Triple C Plan Bonus: Latest Declaration

	2010 Bonus	Interim Bonus on  maturity/death	Interim Bonus on surrender/change of currency
Danish Krone	5.00%	0.00%	0.00%
Euro	3.75%	1.00%	0.50%
Norwegian Krone	3.50%	1.50%	0.75%
Pound Sterling	5.00%	0.00%	0.00%
Swedish Krona	3.25%	2.00%	1.00%
Swiss Franc	0.00%	0.00%	0.00%
United States Dollar	3.00%	0.00%	0.00%

These rates are applicable from 1 December 2011 and have changed from those previously declared.  See the News items in Product News dated 18 August 2011 and 7 December 2011

The above 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 for a policy which matures due to either death or retirement before the next declaration will be the guaranteed bonus rates notified to the Grantee. The amount credited will be a pro rata proportion of the full annual bonus rate based on completed months to the date of the claim. Interim bonus rates may be reviewed by the Directors at any time.

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