* Happy Retirement Savings Program (the “Program”) is not a savings plan. Contributions made to the Program invest solely in the Constituent Funds offered under AIA Mandatory Provident Fund Scheme or AIA Premium MPF Scheme and, therefore, do not guarantee the repayment of capital under all circumstances.

^ On the condition that your monthly contribution will not be discontinued or reduced in the first 12-month period and no closure of such account occurs within the first 60 months of participation.