1. This 100% return of premiums is payable in 5 yearly instalments starting from the policy anniversary immediately after the Life Insured's 65th birthday or at the end of the 15th policy year, whichever is later.
2. The lump sum payment includes the Sum Insured, accumulated yearly cash bonuses (if any) and interest on the accumulated yearly cash bonuses (if any), less amounts owing to us (if any).
3. This plan will mature on the policy anniversary following the Life Insured's 100th birthday, and will automatically terminate on the maturity date.
4. The cash bonuses, which we may pay starting from the end of the 5th policy year, are not guaranteed and are dependent on the future performance of the participating fund.
5. The interest rate on your accumulated cash bonuses is non-guaranteed and is subject to change according to prevailing market conditions. We have the right to change it by giving 30 days' notice.
6. In the event of death of the Life Insured, we will pay the sum of the Sum Insured, premiums paid less premiums returned, accumulated yearly cash bonuses (if any) and interest on the accumulated yearly cash bonuses (if any), less amounts owing to us (if any).