The AXA International Business Team

1. The AXA International Business Team

2. Overview • A new partnership and exclusive relationship between AXA and Globaleye • Access to : • AXA Evolution PPB – Lump Sum & QROPS/SIPPS • AXA Regular Premium ILP (Pulsar) • Whole of Life – Smart Protector • Whole of Life – Smart Saver • Term Life – 5 & 10 year, & YRT • Available for all, and includes eligible products for Americans • Hong Kong & Isle of Man based products This document is produced for internal use and should not be reproduced or distributed, in whole or part, by the recipient to any other persons for any purpose. No information contained in this document should be regarded as an offer or a recommendation or an invitation by, or on behalf of, AXA to the public to buy or sell any of the investments or AXA products mentioned in this document. Investment involves risks. Past performance figures shown are not indicative of future performance. Information provided in this document is for reference only; no investment advice should be given to clients based on the knowledge or information gained from these materials. You shall be held wholly liable for all losses, damages, claims, actions, costs and expenses of any kind whatsoever, directly or indirectly, arising from or in connection with any unauthorized use.

3. Overview of AXA • As of 31st December 2010 • 7th January 2011, AM Best • As of 31st March 2011

4. AXA Lump Sum – ‘Evolution’

5. Product Overview - AXA Evolution Portfolio Bond • Open-architecture Portfolio Bond • Access to 4000+ funds, ETF’s, Stocks from around the world • Entry level: US$30K/GBP15K/Euro22,500 • Top-Ups: US$10K/GBP5K/Euro7,500 • Penalty Free Withdrawal: Leave in GBP10K + Exit Fee • 24/7 Online Valuations for clients and advisers AND…………………………………………………… • Online Fund Switching for clients and advisers This document is produced for internal use and should not be reproduced or distributed, in whole or part, by the recipient to any other persons for any purpose. No information contained in this document should be regarded as an offer or a recommendation or an invitation by, or on behalf of, AXA to the public to buy or sell any of the investments or AXA products mentioned in this document. Investment involves risks. Past performance figures shown are not indicative of future performance. Information provided in this document is for reference only; no investment advice should be given to clients based on the knowledge or information gained from these materials. You shall be held wholly liable for all losses, damages, claims, actions, costs and expenses of any kind whatsoever, directly or indirectly, arising from or in connection with any unauthorized use.

6. Product Overview - AXA Evolution Portfolio Bond Evolution Fees: 3 Different Charging Options: a) 1.65% x 5 years on Initial Premium b) 1.05%p.a (8 year surrender/lock in period) c) 1% Upfront to AXA + whatever the adviser wants to take upfront/ongoing Quarterly Fee: GBP106.50 per quarter Buy/Sell Fee: GBP28.75 This document is produced for internal use and should not be reproduced or distributed, in whole or part, by the recipient to any other persons for any purpose. No information contained in this document should be regarded as an offer or a recommendation or an invitation by, or on behalf of, AXA to the public to buy or sell any of the investments or AXA products mentioned in this document. Investment involves risks. Past performance figures shown are not indicative of future performance. Information provided in this document is for reference only; no investment advice should be given to clients based on the knowledge or information gained from these materials. You shall be held wholly liable for all losses, damages, claims, actions, costs and expenses of any kind whatsoever, directly or indirectly, arising from or in connection with any unauthorized use.

7. AXA Regular Savings – ‘Pulsar’

8. Product Overview - Pulsar Set-up of Pulsar After 18 months first 18 months Initial Contribution Period Accumulated Units Account (AUA) Initial Units Account (IUA) 只供內部培訓使用

9. Product Overview - Pulsar • 18 Month Initial Contribution Period • Upfront Bonuses of 128%-225% • Loyalty Bonus of 40% after year 10 • 90 Direct Funds, no Mirror Funds • No Bid-Offer Spread • Available in six currencies HKD, USD, EUR, GBP, AUD, SGD • Miniumum entry HKD2,400 / USD200 / EUR200 / GBP200 / AUD 300 / SGD400 • Free Credit Card This document is produced for internal use and should not be reproduced or distributed, in whole or part, by the recipient to any other persons for any purpose. No information contained in this document should be regarded as an offer or a recommendation or an invitation by, or on behalf of, AXA to the public to buy or sell any of the investments or AXA products mentioned in this document. Investment involves risks. Past performance figures shown are not indicative of future performance. Information provided in this document is for reference only; no investment advice should be given to clients based on the knowledge or information gained from these materials. You shall be held wholly liable for all losses, damages, claims, actions, costs and expenses of any kind whatsoever, directly or indirectly, arising from or in connection with any unauthorized use.

10. AXA Pulsar At a Glance – Fees & Charges Fees and charges AXA: 4.0% Initial Units Company F: 6% Initial Units AXA: 1.5% FUM Company F: 1.2% FUM AXA: US$6.50 per month Company F: US$6.50 per month AXA: 0.5% on premium (Refunded) Credit card fee This document is produced for internal use and should not be reproduced or distributed, in whole or part, by the recipient to any other persons for any purpose. No information contained in this document should be regarded as an offer or a recommendation or an invitation by, or on behalf of, AXA to the public to buy or sell any of the investments or AXA products mentioned in this document. Investment involves risks. Past performance figures shown are not indicative of future performance. Information provided in this document is for reference only; no investment advice should be given to clients based on the knowledge or information gained from these materials. You shall be held wholly liable for all losses, damages, claims, actions, costs and expenses of any kind whatsoever, directly or indirectly, arising from or in connection with any unauthorized use.

11. AXA Pulsar At a Glance – Bonuses This document is produced for internal use and should not be reproduced or distributed, in whole or part, by the recipient to any other persons for any purpose. No information contained in this document should be regarded as an offer or a recommendation or an invitation by, or on behalf of, AXA to the public to buy or sell any of the investments or AXA products mentioned in this document. Investment involves risks. Past performance figures shown are not indicative of future performance. Information provided in this document is for reference only; no investment advice should be given to clients based on the knowledge or information gained from these materials. You shall be held wholly liable for all losses, damages, claims, actions, costs and expenses of any kind whatsoever, directly or indirectly, arising from or in connection with any unauthorized use.

12. AXA Pulsar At a Glance- Reduction in Yield What returns are needed to offset the charges of a Regular Savings Plan? This document is produced for internal use and should not be reproduced or distributed, in whole or part, by the recipient to any other persons for any purpose. No information contained in this document should be regarded as an offer or a recommendation or an invitation by, or on behalf of, AXA to the public to buy or sell any of the investments or AXA products mentioned in this document. Investment involves risks. Past performance figures shown are not indicative of future performance. Information provided in this document is for reference only; no investment advice should be given to clients based on the knowledge or information gained from these materials. You shall be held wholly liable for all losses, damages, claims, actions, costs and expenses of any kind whatsoever, directly or indirectly, arising from or in connection with any unauthorized use.

13. AXA Whole of Life –SMART Series

14. Want guaranteed coverage and premiums Want a combination of Protection and Savings Want access to capital and guaranteed cash value Wants rewards/returns if they don’t die (ie can see future upside of living longer in $$ terms) Pay for a set-period when earning (in job), and covered forever Estate Tax Planning purposes For which clients? EFC M2-3

15. Premiums are fixed and guaranteed not to change Cover up to the age of 100 Annual dividends as well as interest on these dividends (currently 4.5% for USD policies) Guaranteed cash value upon early surrender Flexible payments – 5 years, 10 years, 20 years, Whole of Life Non-Medical limit for <40 year olds of US$500K Also available for Americans Why AXA Whole of Life? EFC M2-3

16. Options AXA Smart Protector – More Protection, Less Savings AXA Smart Saver – Protection and Savings AXA Smart Jumbo Saver – More Savings, Less Protection Add on riders to fully cover your clients Accident Protector Critical Illness Waiver of Premium Why AXA Whole of Life? EFC M2-3

17. AXA support team • Andrew Boughey (International Sales Manager) • andrew.boughey@axa.com.hk • +852 2519 1279 (Work), +852 9721 9486 (Mobile) • Jonna Seto (Broker Support) • jonna.seto@axa.com.hk • +852 2519 5463 (Work), +852 9333 7005 • Karen Tse (Back-up Broker Support) • karen.tse@axa.com.hk • +852 2519 1951 (Work)