Life has its rewards, and a conscientiously thought out and comprehensive plan can bring about a great future.

While the future is unpredictable, your family¡¦s future will be at risk if the financial contributions made by you are interrupted.

Comprehensive Protection to Age 100
Embrace your future with confidence. The Premier Estate Protector Series is available for all ages between 15 days and 80 (subject to the plan selected), giving you comprehensive life protection to age 100 and helps you create an estate for your loved ones in case of mishaps. It protects your family from financial loss in the event of your death.

Helping You Meet Your Financial Goals
The Premier Estate Protector Series features an integrated savings plan. Annual dividends can be left on deposit in the policy, accumulating interest, with the option to become ready cash. The guaranteed cash value is also available when the need arises for a loan. The plan provides you with protection to age 100 as well as flexible financial management to meet your financial goals.

A Choice of Premium Periods
The Premier Estate Protector Series offers 8 different premium payment plans with protection to age 100 available in HKD, USD, CAD and GBP to fit your needs and budget. The shorter the premium paying period, the quicker you pay up the policy and have your money working for you to yield even better returns than longer premium paying options.

Name of Plan	Premium Paying Period
Premier Estate Protector 5 Premier Estate Protector 10 Premier Estate Protector 15 Premier Estate Protector 20 Premier Estate Protector 25	Pay at a fixed period of 5, 10, 15, 20 or 25 years
Premier Estate Protector 60	Pay until age 60
Premier Estate Protector 65	Pay until age 65
Premier Estate Protector	Pay until age 100 with lower premium

The Simplicity of Level Premium
These level and guaranteed premium plans allow you to pay the same amount of premium throughout the between premium-paying, simplifying your financial planning. The younger you purchase, the lower the premium when you start the plan!

Protect Yourself and Your Family Today
The Premier Estate Protector Series provides comprehensive protection and savings to help you and your family make the best of life. It is designed to help you accumulate a substantial amount in savings and gives you a choice of premium paying periods with simplicity of paying the same amount of premium throughout the period.

Start your path to total peace of mind now with an affordable premium.

Underwritten by Manulife (International) Limited
Manulife (International) Limited is a member of the Manulife Financial group of companies. Manulife Financial is a leading Canadian-based financial services group serving millions of customers in 22 countries and territories worldwide. Operating
as Manulife Financial in Canada and Asia, and primarily through John Hancock in the United States, the Company offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents and distribution partners. Funds under management by
Manulife Financial and its subsidiaries were Cdn$421 billion (approximately HK$ 2,805.7 billion) as at June 30, 2009.

Manulife Financial Corporation trades as ¡¥MFC¡¦ on the TSX, NYSE and PSE, and under ¡¥945¡¦ on the SEHK. Manulife Financial can be found on the Internet at www.manulife.com.

Plan for your future Analyse your financial situation now
At DBS, we are dedicated to assisting you in financial planning for each step of your life. Visit any DBS branch to arrange an appointment for a financial needs analysis.