Harvest 101 Investment Plan

from Standard Life

101

This is all aboutHarvest 101 Investment Plan

Who is Standard Life?

Standard Life (Asia) Limited (“Standard Life”) is a subsidiary of Standard Life plc (the ”Group”). With approximately 7 million clients and 10,000 employees, the Group has operations in the United Kingdom, Canada, Germany, the Republic of Ireland, Austria, Hong Kong, India and mainland China.

Established in Edinburgh since 1825, the Group is a financial services group committed to the provision of life assurance and pensions, investment management, banking and healthcare insurance products, with £156 billion assets under management1.

In 2006, the Group was listed on the London Stock Exchange becoming a top FTSE 100 corporation. As a Fortune Global 500 company, Standard Life Assurance Limited is considered to be “Strong” by Standard & Poor’s and “Good” by Moody’s Investor Service in terms of financial strength.

“Harvest 101 Investment Plan” is a Class C linked long-term insurance policy as defined in Part Two of the First Schedule to the Insurance Companies Ordinance.

It is important that you should carefully read this product brochure2, “Standard Life Fund Options”2 and the relevant policy provisions3 before making an investment decision. Please keep this product brochure with your other “Harvest 101 Investment Plan” documents. If you have any doubt about whether “Harvest 101 Investment Plan” is suitable for you, please seek advice from an independent Financial Advisor.

You can have direct access to the performance of the investment funds through our secure website: www.standardlife.hk. You will enjoy our professional customer service care that has made Standard Life internationally recognised.

For more information, please contact your Financial Advisor or you can call our Sales Support Hotline on 2169 2600 from Monday to Friday, 9:00am to 5:30pm.

Investment involves risks. Past performance is not indicative of future performance.

1 Source: Standard Life plc Annual Report 2006.2 The product brochure and the “Standard Life Fund Options” publication together constitute the principal brochure of the Harvest 101 Investment Plan and should be issued and read in conjunction with each other.3 The relevant policy provisions are made available by Standard Life upon request.

Published Date: March 2008

Why choose Harvest 101 Investment Plan?

Each of us has different financial goals at different stages of our lives such as buying property, preparing for marriage, budgeting for children’s education and planning for retirement. Harvest 101 Investment Plan (the “Plan” or “Policy”) is an investment-linked life insurance policy which offers you peace of mind to achieve your various goals in investment and protection.

Holistic approach in financial planning from age 1

“Harvest 101 Investment Plan” is available to all insured from age 1 (last birthday) to “age 80 minus Policy Term chosen”. The Plan combines investment with life insurance in one policy and offers a wide-ranging term from 5 to 25 years.

Low entry level from USD 90

You can easily join the Plan with a Regular Contribution as low as USD 90 per month (or other equivalent Policy Currencies). We offer five Policy Currencies for your selection, i.e. HK Dollar, US Dollar, Pound Sterling, Japanese Yen and Euro. Regular Contributions can be paid monthly, quarterly, semi-annually or annually. For details, please refer to the “General Information - Minimum Contribution” section of this product brochure.

Regular Contributions will be allocated to the Initial Account4 to buy Initial Units during the Initial Period which ranges from 18 to 24 months (as specified in the table below), and to the Accumulation Account4 to buy Accumulation Units after the Initial Period.

Contribution Payment Term Initial Period

(since the effective date of the Initial Account)

4 All relevant fees and charges will be applied during the Policy Term. Premium Charge will be deducted from Single Contribution before making any investment. For details, please refer to the “Fee and Charges” section of this product brochure.

Standard Life Harvest 101 1

5 – 10 years

11 – 15 years

16 – 20 years

21 – 25 years

First 18 months

First 20 months

First 22 months

First 24 months

4 All relevant fees and charges will be applied during the Policy Term. Premium Charge will be deducted from Single Contribution before making any investment. For details, please refer to the “Fee and Charges” section of this product brochure.5 Stop paying Regular Contribution or Additional Regular Contribution will not affect the calculation of outstanding Policy Term of the Policy.6 Policy value may be checked via the regular statement made available by Standard Life upon request without cost.7 Withdrawal will be subject to Exit Charge if the Withdrawal is made from the Initial Units. For details please refer to the “Fees and Charges” section of this product brochure.

Flexible contribution and top up arrangement

If you want to adjust your investment objectives and personal goals in the future, you can increase the Regular Contribution (the “Additional Regular Contribution”) with as low as USD 30 per month (or other equivalent Policy Currencies) or make additional Single Contribution4 at a minimum of USD 1,200 (or other equivalent Policy Currencies). For details, please refer to the “General Information - Minimum Contribution” section of this product brochure.

The Additional Regular Contribution will be treated as new Regular Contribution with its own Initial Account, Initial Period and Contribution Payment Term. The Contribution Payment Term of Additional Regular Contribution should not be less than 5 years and not exceeding the Policy Maturity Date. Any Single Contribution paid will be allocated to Accumulation Account to buy Accumulation Units. The Plan also offers you the convenience to reduce the Regular Contribution after its relevant Initial Period to a level not less than the minimum Regular Contribution requirement. Alternatively, you may stop paying Regular Contributions5 to meet unexpected conditions, provided that the relevant contribution is stopped after its relevant Initial Period and the Minimum Policy Value6 is maintained throughout the remaining Policy Term. Otherwise, your Policy will be terminated with applicable Exit Charge. For details, please refer to the “Fees and Charge” section, the “General Information - Minimum Policy Value” and “General Information - Termination” sections of this product brochure.

Also, withdrawal7 is allowed at anytime, either on an ad hoc or regular basis, subject to the Minimum Policy Value and Minimum Withdrawal requirements. If the Minimum Policy Value is not maintained immediately after withdrawal, your Policy will be terminated with applicable Exit Charge. For details, please refer to the “General Information - Withdrawal” and “General Information - Termination” sections of this product brochure.

The Plan offers a wide range of funds managed by reputable investment managers. This full spectrum of investment funds helps you capture the best market opportunities and enhance potential returns.

Standard Life’s open fund platform provides you with a wide range of best possible fund choice. We will rigorously select fund managers and update fund options for you to capture market opportunities. You may visit our website www.standardlife.hk for the latest funds available in “Standard Life Fund Options”.

Various fund choices to capture market opportunities

Standard Life Harvest 1012

For Additional Regular Contribution, Extra Allocation will be determined separately by the amount of the Additional Regular Contribution and its own Contribution Payment Term.

We will allocate the Extra Allocation to your relevant Initial Account once we receive your contribution.

8 If death of the Life Insured occurs within the first 24 months from the Policy Start Date, the amount of Extra Allocation will be deducted from the value of the Initial Account before calculation of the Death Benefit. 9 Administration Charge will be applied to Initial Units. For details, please refer to “Fees and Charges” section of this product brochure.10 The discount rate given is based on the value of the Accumulation Units at the due date of the Accumulation Account Charge.

- Extra Allocation8:

Extra Allocation and Large Fund Discount

During the relevant Initial Period, if your Regular Contribution or Additional Regular Contribution reaches USD250 or above per month (or other equivalent Policy Currencies), you can enjoy Extra Allocation ranging from 1% to 15% of each Regular Contribution or Additional Regular Contribution paid as follows to buy more Initial Units9 of your selected funds:

Quality hassle-free service

We provide efficient services for all our customers. With our online portfolio enquiry system, zero- charge fund switching arrangement, regular statements and Customer Service Hotline, you can keep track of your investments at your fingertip, anytime and anywhere.

The applicable discount rate will be directly deducted from the Accumulation Account Charge (either 0.1% or 0.075% per month). For details of this charge, please refer to the “Fees and Charges” section of this product brochure.

- Large Fund Discount:

You will be awarded an attractive Large Fund Discount if the value of all Accumulation Units reaches USD15,000 or above (or other equivalent Policy Currencies). The Large Fund Discount will be applied on a monthly basis and is a percentage of the value of the Accumulation Units as follows to offset part of the Accumulation Account Charge:

Regular Contribution (per month) of each Initial Account Extra Allocation(CPT= Contribution

Payment Term)USD HKD EUR GBP JPY

250 — lessthan 600

2,000 — less than 4800



32,500 — lessthan 78,000

600 — lessthan 1,200

4,800 — lessthan 9,600

600 — lessthan 1,200


78,000 — lessthan 156,000

0.2% x CPT

0.4% x CPT

1,200 or above 9,600 or above 1,200 or above 800 or above 156,000 or above 0.6% x CPT

Value of Accumulation Units10 Large Fund

Discount(per month)

15,000 — lessthan 45,000

45,000 — lessthan 90,000

90,000 — lessthan 120,000

120,000 — lessthan 360,000

360,000 — lessthan 720,000

15,000 — lessthan 45,000

45,000 — lessthan 90,000

10,000 — lessthan 40,000

40,000 — lessthan 60,000

1,950,000 — lessthan 5,850,000

5,850,000 — lessthan 11,700,000

720,000 — lessthan 960,000

90,000 — lessthan 120,000

60,000 — lessthan 80,000

11,700,000 — lessthan 15,600,000

120,000 or above 960,000 or above 120,000 or above 80,000 or above 15,600,000 or above

0.005%

0.010%

0.015%

0.020%

USD HKD EUR GBP JPY


Fees and Charges

Administration Charge

Policy Fee

Accumulation Account Charge

Premium Charge

Exit Charge(Applicable on Initial Account only)

During the Policy Term, 0.5% per month of the value of the Initial Account (6% per annum) will be deducted at the beginning of each Policy Month by redeeming the Initial Units.

- During the Policy Term, subject to the Policy Currency below, the Policy Fee will be deducted at the beginning of each Policy Month. - The fee will be deducted from the Accumulation Account first, and if the value of the Accumulation Account is insufficient, the Policy Fee will then be deducted from the Initial Account11 .

During the Policy Term, when there is any values in the Accumulation Account, this charge will be applied and deducted at the beginning of each Policy Month by redeeming the Accumulation Units at:- 0.1% per month of the value of the Accumulation Account (1.2% per annum) for the first 10 policy years - 0.075% per month of the value of the Accumulation Account (0.9% per annum) after the 10th policy year

5% will be deducted as the Premium Charge from Single Contribution. There is currently no Premium Charge levied on Regular Contribution.

- This charge applies in respect of Regular Withdrawal, ad hoc Withdrawal and relevant situations in the “Termination” section under “General Information” of this product brochure.- This charge will be made as a percentage of the Initial Units withdrawn and /or surrendered from the relevant Initial Account. - During the first year of the relevant Initial Account, this charge will be 100%. - Thereafter, the charge for the relevant Initial Account will be reduced depending on its own outstanding term as outlined in the table below:

HKD EUR GBP JPYUSD

6 48 6 4 780

Outstanding Term12

(in years)Exit Charge (%) Outstanding Term12

(in years)Exit Charge (%)

24 86% 12 46%

23 83% 11 42%

22 80% 10 38%

21 77% 9 34%

20 74% 8 30%

19 71% 7 26%

18 68% 6 22%

17 65% 5 18%

16 62% 4 14%

15 58% 3 10%

14 54% 2 6%

13 50% 1 3%

11 If there is more than one contribution (i.e. Regular Contribution, Additional Regular Contribution or Single Contribution), the fee will be deducted in proportion to the value of the accounts made from each contribution. Within each contribution, if the value of the Accumulation Account is insufficient, the fee will then be deducted from the Initial Account.12 Part years will be rounded up to the next whole year.


Fund Switching Fee

Bid / Offer Spread

Underlying Fund Charge

Currently Nil

Currently nil for most of the investment funds. For details, please refer to “Standard Life Fund Options”.

Vary according to the underlying funds and the charges will be reflected in the Unit Price. For details, please refer to “Standard Life Fund Options”.

Example 1: An Initial Account with a 5- year Contribution Payment Term: • The Exit Charge during the first year will be 100%. • Thereafter, the Exit Charge will be o 14% for the Initial Account with 4 years outstanding term. o 10% for the Initial Account with 3 years outstanding term. o 6% for the Initial Account with 2 years outstanding term. o 3% for the Initial Account with 1 year outstanding term. o 0% upon the end of Contribution Payment Term.

Example 2: An Initial Account with a 15- year Contribution Payment Term: • The Exit Charge during the first year will be 100%. • During the second year, the outstanding term will be 14 years (i.e. 15 years Initial Account – 1 year) and the Exit Charge will be 54%. • At 2.5 years, the outstanding term will be 13 years (i.e. 15 years Initial Account – 2.5 years and part years of outstanding term will be rounded up to next whole year) and the Exit Charge will be 50%. • The charge will be reduced year by year and becomes 0% upon the end of Contribution Payment Term.

- The Withdrawal amount or surrender value will be paid after deducting the relevant Exit Charge.- If there is more than one Initial Account, Exit Charge will be applied to the Initial Units withdrawn or surrendered from each Initial Account.- No Exit Charge will apply to withdrawals from Accumulation Account.


To apply for “Harvest 101 Investment Plan”, you simply need to complete the application form and return it to us with the required payments. The Policy is available on both a single life and joint life basis with an issue age of the life insured from age 1 (last birthday) to “age 80 minus Policy Term chosen”.

Application

All your contributions, after deducting the Premium Charge for Single Contribution, will be used to buy units of funds available under the Policy, using the offer price14 on the valuation day immediately following the date we receive your contribution(s).

You may determine the allocation of your contributions when you start your Policy, provided that your allocation:

- Specifies a whole number percentage allocation for each fund in which you wish to invest;- Allocates to each fund not less than 10% of your contribution; and - The total allocation percentage equals 100%.

Allocation of Contributions

General Information

Plan Ownership

The Policy Currencies include HK Dollar ‘HKD’, US Dollar ‘USD’, Pound Sterling ‘GBP’, Japanese Yen ‘JPY’ and Euro ‘EUR’. Benefits payable under the Policy will be made in the Policy Currency13. Upon request, benefit can be paid out in the currency other than the Policy Currency at an exchange rate determined by us.

Policy Currency

Payment is to be made in the Policy Currency specified at the time of application. We may accept payment in currency other than the Policy Currency at our discretion. Such payment will be converted to the Policy Currency at the prevailing exchange rate (as determined by us) on the date the payment is processed by us.

Currency of Payment

The initial Regular Contribution made at the outset and any additional contributions (Single Contribution or Additional Regular Contribution) made are subject to the minimum amounts as outlined below:

Minimum Contribution

Minimum Requirement

Regular Contribution (per month)

Single Contribution

Additional Regular Contribution (per month)

90

30

720

240

90

30

60

20

11,700

3,900

1,200 9,600 1,200 800 156,000

Policy Currency

USD HKD EUR GBP JPY

As your personal investment objectives change, the Policy allows you to switch between funds at no switching charge. However, the minimum amount of each selected new fund cannot be less than 1% of the total fund value of the funds switching out.

Fund Switching

You may request to make withdrawals on an ad hoc or regular basis provided that immediately after withdrawals, the value of the Policy must not be less than the Minimum Policy Value; otherwise, we will surrender the Policy and pay you the surrender value as specified in the “Surrender” section.

Any ad hoc or regular withdrawals are subject to the following Minimum Withdrawal amount:

Regular Withdrawal can be made monthly, quarterly, semi-annually or annually. In respect of non-annual mode withdrawal, the Minimum Withdrawal is divided by 12, 4 and 2 for monthly, quarterly and semi-annual withdrawal respectively.

If there is more than one account, you may designate the account for each withdrawal. If the withdrawal is made from Initial Units, an Exit Charge will apply and the withdrawal amount will be paid after deducting the Exit Charge, whereas withdrawals from Accumulation Units will be free of Exit Charge. For details, please refer to the “Fees and Charges” section of this product brochure.

Withdrawal

USD

1,500

HKD

12,000

EUR

1,500

GBP

1,000

JPY

195,000

13 The currencies invested in the Policy may be different from the currencies of the underlying funds. As such, the performance of the investment fund under the Policy may be different from that of the underlying fund due to exchange risk.14 In general, there is no bid and offer spread for most of the funds. If there is no bid and offer spread, the offer price will be equal to the bid price and the offer value will be equal to bid value. For details, please refer to “Standard Life Fund Options”.


The Plan allows for sole or joint ownership. All Policy Owners should have (regulatory) insurable interest with the Life Insured. For the Policy with joint ownership, we require application with signatures from all Policy Owners before we process any transactions related to the Policy. The Policy Owner(s) may assign the Plan to a third party by sending us a written notice of assignment.

You may surrender your Policy while it remains in force. The surrender value of the Policy is the value (the bid value)14 of your Policy Account less the Exit Charge if applicable. Details are outlined in the “Fees and Charges” section of this product brochure.

The effective date of Surrender will be the Valuation Day immediately following the date on which we receive your valid written request for such Surrender. The Policy will automatically terminate on the effective date of Surrender. We will pay out the value of your Policy Account less the applicable Exit Charge within 15 Hong Kong Business Days after the effective date for such Surrender.

Surrender

We will surrender your relevant account and determine the value of your account at the end of its Contribution Payment Term (the “Contribution Maturity Date”) and pay out the value of the account within 15 Hong Kong Business Days after the Contribution Maturity Date.

Contribution

We will surrender the Policy and determine the value of your Policy Account in the Policy Currency at the Policy Maturity Date and pay out the value within 15 Hong Kong Business Days after the Policy Maturity Date.

Policy Maturity

The Plan provides life coverage on a single life and joint life basis. The life coverage will be equal to 101% of the Account Value (the bid value)14 of the Policy. In addition to the life coverage, an extra 10% of the value (the bid value)14 of the Initial Units held, subject to a maximum of USD 10,000 (HKD 80,000 / EUR 10,000 / GBP 6,667 / JPY 1,300,000), will be payable as additional benefit15 in the event of accidental death of the Life Insured on or before age 65.

Death benefit will be paid out on the occurrence of one of the following two events: 1. Single life – the death of the sole Life Insured;2. Joint life – the death of the last surviving Life Insured. Only one Death Benefit is payable under this Policy.

While the Policy remains in force and we have received satisfactory proof of the Life Insured’s death, we will pay out the proceeds of Death Benefit to the person(s) entitled within 15 Hong Kong Business Days after we receive all relevant documentation completed to our satisfaction. Such payment will discharge all our obligations under the Policy16.

Death Benefit

The Minimum Policy Value requirement for each Policy Currency is specified in the table below:

Minimum Policy Value

USD

1,500

HKD

12,000

EUR

1,500

GBP

1,000

JPY

195,000

The Policy will automatically terminate and will be subject to Exit Charge (except iv. and v. listed below) on the earliest of the following:

i. The value of the Policy Account, o immediately after the Withdrawal or Regular Withdrawal; or o while the policy is a paid-up policy, [i.e. stop paying Regular Contribution and all Additional Regular Contributions (if applicable) after the relevant Initial Period]; is less than the Minimum Policy Value in effect at the time; orii. The effective date of Surrender; oriii. Stop paying any Regular Contribution or Additional Regular Contributions (if applicable) during its relevant Initial Period; oriv. The maturity of the Policy; orv. The proceeds of Death Benefit is paid.

Termination

14 In general, there is no bid and offer spread for most of the funds. If there is no bid and offer spread, the offer price will be equal to the bid price and the offer value will be equal to bid value. For details, please refer to “Standard Life Fund Options”.15 For details of the additional benefit, please refer to the Policy Provisions.16 If there is no nominated Beneficiary or any information given on the nominated Beneficiary is incomplete, the Death Benefit shall be payable to the Policy Owner.


We will give you at least three months’ written notice in advance or such shorter notice as agreed by the Securities and Futures Commission before we close any fund currently available under this Plan.

Fund Closure

Underlying Fund Charge is made on investment funds to cover administration costs and is expressed as a percentage of the value of each fund. For the annual management fee and other charges of the underlying funds, please refer to “Standard Life Fund Options” and the relevant funds’ offering documents made available at Standard Life.

Underlying Fund Charge

The unit price of each investment fund is calculated on each valuation day, subject to our right to suspend the determination of the unit price, by dividing the value of the net assets of the fund by the number of outstanding units.

The valuation of the net assets of a fund is determined by valuing the assets attributable to that fund, then deducting all outstanding costs, expenses and liabilities attributable to that fund.

The unit price of each fund is available to you at our website www.standardlife.hk or you can call our Customer Service Hotline on 2169 0300 from Monday to Friday, 9:00am to 5:30pm.

Fund Valuation

The denominating currency of each fund may differ from the reference currency of the underlying fund. Please refer to “Standard Life Fund Options” for details. Changes in foreign currency exchange rate may therefore affect the unit price of funds invested with investments denominated in other currencies.

Exchange Rates

We may borrow up to 10% of the net assets of each fund at our discretion, provided that such borrowings are made only on a temporary basis. Collateral arrangements with respect to the writing of options or the purchase or sale of forward or future contracts are not deemed to constitute borrowings for the purposes of this restriction.

We may also borrow up to 10% of the net assets of each fund at our discretion to acquire property essential for the operations of the fund. Such borrowings and those referred above may not in any case exceed 15% of the net assets of that fund.

Borrowing Restrictions

We may reasonably round any calculations by an adjustment of

not more than 4 decimal places. Rounding adjustments

include, but not limited to, the determination of charges, unit,

and unit price.

Rounding

We reserve the right to alter the charges at any time by

giving you at least three months’ notice in writing, or such

shorter period as the Securities and Futures Commission may

approve.

Plan Charges


You may cancel this Policy within the latest of (a) 14 days from the date of issue of the Policy; (b) 21 days from the date of your application; (c) if you have replaced or intend to replace any of your existing life insurance policies by this Policy and have completed a Customer Protection Declaration, 14 days after the date on which the declaration has been delivered to the insurer(s) of the policy(ies) replaced/to be replaced; and (d) 5 days from the date of delivery of the Policy or a notice informing you or your representative about the availability of the Policy and the expiry date of the cancellation rights described in the Policy Provisions.

If you want to cancel this Policy within the time period referred above, you should send a written notice to us. When we receive your written request, we will refund all Regular Contributions and Single Contributions paid without interest, from which we may deduct a market value adjustment charge to cover any investment loss resulting from realizing the value of any assets acquired through our investment of any investment contributions at that time. No refund of the Regular Contributions and Single Contributions will be paid if payment in respect of a claim has been made.

Cooling-off Period

The Policy is governed by and shall be construed in accordance with the laws of the Hong Kong Special Administrative Region.

Applicable Law

The Plan and the documentation of the Plan have been authorised by the Securities and Futures Commission pursuant to sections 104(1) and 105(1) of the Securities and Futures Ordinance.

In giving this authorisation, the Commission has made no assessment of, nor does it take responsibility for, the financial soundness or merits of the scheme, nor does it verify the accuracy or truthfulness of statements made, or options expressed, in this document, nor does such authorization imply any official approval or recommendation by the Securities and Futures Commission or any other relevant regulator in Hong Kong.

Authorisation

Standard Life (Asia) Limited accepts responsibility for the accuracy of the information contained in this product brochure at the date of publication and that no material facts have been omitted from the information provided, to the best of Standard Life (Asia) Limited’s knowledge.

Responsibility

You will receive a statement each year stating the balance of your Policy. Upon your request, a similar statement will be provided to you at dates other than the anniversary of your Policy without cost.

Statement

Under the laws of the Hong Kong Special Administrative Region, where the Policy Owners are Hong Kong residents, the Plan is not subject to capital gains tax. You are advised to seek your own independent professional adviser regarding your particular tax circumstances.

Taxation

Plan Underwriter

Standard Life (Asia) Limited is an authorized insurer in Hong Kong to write class A, class C and class I of long term business, and is a subsidiary of Standard Life plc.

40/F, Tower 1, Times Square, 1 Matheson Street, Causeway Bay, Hong KongGeneral: + 852 2169 0700Fax: + 852 2169 0220Web: www.standardlife.hk

The Policy is only available to investors signed within the Hong Kong Special Administrative Region. It is not available to United States and Canadian residents due to taxation issue.

Geographical Limits

1.

2.


有關標準人壽

標準人壽保險(亞洲)有限公司(「標準人壽」)為標準人壽股份有限公司(「本集團」)的附屬公司。

本集團擁有近七百萬位客戶及一萬名員工，業務遍佈英國、加拿大、德國、愛爾蘭、奧地利、香港、

印度及中國內地。

本集團於1825年在英國愛丁堡成立，為一家專門提供人壽和退休金、投資管理、銀行及健康醫療保

險服務的金融服務供應商，旗下管理的資產總值達1,560億英鎊1。

2006年，本集團成功在倫敦交易所上市，並名列英國富時 (FTSE)100指數的頂級企業之一。作為

Fortune Global 500之企業，本集團旗下之Standard Life Assurance Limited憑著雄厚的財政實力，

更獲得標準普爾評為「強」以及獲穆迪投資者服務評為「良好」。

「盈聚101」投資計劃是一項香港《保險公司條例》附表1第2部所界定的「C類別相連長期保險計劃」。

當您作出任何投資決定前，請細心閱讀本產品推銷刊物2、《標準人壽基金選擇》2 及其他相關保單條款3，並

將本產品推銷刊物與其他「盈聚101」投資計劃文件一併保留。若想進一步了解本計劃是否適合您，請諮詢

您的獨立理財顧問之意見。

您可在我們的網址 www.standardlife.hk 上進行安全網上登入，直接查閱有關基金表現的資料。享譽國際的

標準人壽樂意為您提供優質的專業客戶服務。

如欲查詢詳情，請聯絡您的理財顧問，或於星期一至五上午九時至下午五時半，致電我們的銷售服務熱線

2169 2600。

投資涉及風險，過往的投資表現對未來的投資表現並無指導性意義。

1 資料來源：標準人壽股份有限公司2006年報2 本產品推銷刊物及《標準人壽基金選擇》為「盈聚101」投資計劃之主要推銷刊物，並應一併發出及閱覽。3 有關保單條款的詳細資料，可向標準人壽索取。

出版日期︰二零零八年三月

101 ?

101 80

5 25

90

90

5

18 244

4

4

5 10

11 15

16 20

21 25

18

20

22

24

101 11

4

5

6

7

4 30

1,200

5

5

6

7 7

www.standardl i fe.hk

10112

8 24 9

10

250

1% 15% 9

15,000

0.1% 0.075%

0.2% x

0.4% x

250 — 600

600 — 1,200

1,200

2,000 — 4,800

4,800 — 9,600

9,600

250 — 600

600 — 1,200

1,200

167 — 400

400 — 800

800

32,500 — 78,000

78,000 — 156,000

156,000 0.6% x

10

15,000 — 45,000

45,000 — 90,000

90,000 — 120,000

120,000

120,000 — 360,000

360,000 — 720,000

720,000 — 960,000

960,000

15,000 — 45,000

45,000 — 90,000

90,000 — 120,000

120,000

10,000 — 40,000

40,000 — 60,000

60,000 — 80,000

80,000

1,950,000 — 5,850,000

5,850,000 — 11,700,000

11,700,000 — 15,600,000

15,600,000

0.005%

0.010%

0.015%

0.020%

101 13

0.5%

6%

11

0.1% 1.2%

0.075% 0.9%

5%

100%

6 48 6 4 780

11

12

12

24

23

22

21

20

19

18

17

16

15

14

13

%

86%

83%

80%

77%

74%

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www.standardlife.hk

2169 0300

10118

(a)

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(c)

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104(1) 105(1)

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+ 852 2169 0700 + 852 2169 0220 www.standardlife.hk

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Standard Life (Asia) Limited40/F, Tower 1, Times Square, 1 Matheson Street, Causeway Bay, Hong Kong

HA

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B-E

T/D

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30

8

Standard Life (Asia) Limited is a subsidiary of Standard Life plc

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