Change to Triple C surrender terms

The surrender value of a Triple C Plan policy is determined by Nordben having regard
to the advice of the Actuary. The surrender value depends on:

• Equity market returns
• Yield on fixed interest securities
• The size of the policyholders' reserve fund

These factors may vary from currency to currency

Due to changes in the factors outlined above, effective from 1 August 2009, the amount of the accumulated account payable (including interim bonus) for policies denominated in GBP, USD and EUR will be 97.5%. Policies denominated in CHF and NOK will remain at 95%.

For policies denominated in all other currencies, 100% of the accumulated account
(including interim bonus) will continue to be payable.

Nordben reserves the right to review the surrender terms from time to time for
all currencies.

If you have any questions regarding the above please contact us.