Manulife Financial and the block design are registered service marks andtrademarks of The Manufacturers Life Insurance Company and are used by itand its affiliates, including Manulife Financial Corporation.

Here is an example of how much your child will receive from

Scholar if you buy him/her the plan when he/she is born.

Boy age 0, Sum Insured $50,000 with 20 years premium term

and first guaranteed payout at age 20.

Age % of sum insured 3 Payouts

20 40% $20,000

21 40% $20,000

22 20% + bonuses1 & interest2 $10,000 + $51,263

Total (if the 1st and 2nd payouts are left with the company to earn interest2) $101,263

Girl age 0, Sum Insured $50,000 with 17 years premium term

and first guaranteed payout at age 17.

Age % of sum insured 3 Payouts

17 40% $20,000

18 40% $20,000

19 20% + bonuses1 & interest2 $10,000 + $43,238

Total (if the 1st and 2nd payouts are left with the company to earn interest2) $93,238

1 Based on projected investment return of 5.25%. As bonus rates are not guaranteed, the actual return may vary according to the future performance of the participating life fund.2 3.5% p.a. is the prevailing interest rate and is subject to change.

Manulife Financial and the block design are registered service marks andtrademarks of The Manufacturers Life Insurance Company and are used by itand its affiliates, including Manulife Financial Corporation.

以下例子将显示您若在孩子出世时就购买保额5万元

的状元保单，未来可获得的教育款项:

男孩, 0岁，保费缴付20年，保额$50,000，第一次给付金额

于20岁。

年龄 保额之百分比 3次周年给付金额

20 40% $20,000

21 40% $20,000

22 20% + 预估红利1+ 累积利息2 $10,000 + $51,263

总数(若首两年的保证给付保留在宏利保险公司累积利息2. )

$101,263

女孩, 0岁，保费缴付17年，保额$50,000，第一次给付金额

于17岁。

年龄 保额之百分比 3次周年给付金额

17 40% $20,000

18 40% $20,000

19 20% + 预估红利1+ 累积利息2$10,000 + $43,238

总数(若首两年的保证给付保留在宏利保险公司累积利息2. )

$93,238

1 根据5.25%的预估投资回报，预估红利并非保证，实际利益将依人寿保险

基金的未来表现而定。

2 现行年利率为3.5% ，未来可能有所变动。状元储蓄保单