Triple C Plan: Latest Declaration

	2011 Bonus	Interim Bonus on  maturity/death	Interim Bonus on surrender/change of currency
Danish Krone	2.00%	2.00%	1.00%
Euro	1.45%	0.25%	0.125%
Norwegian Krone	3.00%	0.25%	0.125%
Pound Sterling	6.00%	1.00%	0.50%
Swedish Krona	4.50%	0.00%	0.00%
Swiss Franc	0.50%	0.00%	0.00%
United States Dollar	0.75%	0.00%	0.00%

The above rates (including the interim rates) are subject to a minimum of the guaranteed bonus which varies between 0% and 3% depending on the currency of the contract, the date the Plan was started and/or the date Plan premiums were paid to Nordben.

The Triple C Plan bonus is added to each policyholder’s account at the end of the year. A proportion of the full annual rate of bonus is credited in relation to each part of the account which has been held for a period less than a full year.

The interim bonus rates apply to policies maturing due to death, retirement, surrender or change of currency, before the next declaration.  The amount credited will be a proportion of the full annual bonus rate based on completed months to the date of the claim.  Interim bonus rates may be reviewed at any time. 

The bonus to be credited to a policy which is surrendered or changes currency before the next declaration of bonus will be 50% of the bonus credited to a policy which matures due to either death or retirement.