PRIME WEALTH AS BUSINESS PROVIDENT FUND

1. Wealth Accumulation for Retirement.

2. Reserved Fund For Rainy Days.

3. CCRIS

4. Creditor Proof
-Building Invisible Wall Against the creditors

5. Ensure Hard Earned Money goes to

Family
members,( section 166/167 Ins Acc )

6. Most Liquidate Assets

Prime Wealth Structured Account

2007-2008 Premier Cash 60M
2008-2009 HLA Promise 90M
2009-2010 HLA Cash Builder 150M
2010-2011 HLA Wealth Builder 250M
2011-2012 HLA Cash Builder 100M
2011-2012 HLA Income Builder 100M

IDEAL STRUCTURED SAVING ACCOUNT

1. Private Pension Scheme for “Small Business Owner”

2. Education Fund for Children
3. Compliment FD/ASB saving
4. Diversify your Investment Portfolio
5. EPF Account for Housewife
6. Travel Account for Lovely Couple
 HLA Participating Life Fund Investment Returns

Financial Year Investment Return Rate

1994-1995 7.15%
1995-1996 7.16%
1996-1997 8.72%
1997-1998 4.44%
1998-1999 8.08%
1999-2000 9.61%
2001-2002 6.70%
2002-2003 9.50%
2003-2004 10.70%
2004-2005 5.80%
2005-2006 6.30%
2006-2007 8.87%
2008-2009 5.50%
2009-2010 10.20%
2010-2011 9.10%
2011-2012* 6.30%
Averange past 3 years return=8.27% Averange past 10 years return= 7.82%

Averange past 5 years return =8.15 Averange past 15 years return = 7.72 %

12 MONTH FD INTEREST RATES

AS at Malaysia Singapore Thailand

Dec 98 5.74% 2.51% 6.00%
Dec 99 3.95% 2.46% 4.00%
Dec 00 4.24% 2.42% 3.05%
Dec 01 4.00% 1.53% 2.80%
Dec 02 3.70% 1.32% 2.00%
Dec 03 3.70% 0.70% 1.00%
Dec 04 3.70% 0.72% 1.00%
Dec 05 3.70% 1.00% 1.55%
Dec 06 3.70% 1.10% 1.55%
Dec 07 3.50% 1.00% 1.50%
Dec 08 3.00% 0.25% 1.25%
Dec 09 2.50% 0.05% 1.25%
Dec 10 3.00% 1.00% 1.50%
Dec 11 3.25% 1.00% 1.75%