客户服务指南

Customer Service Guide

Dear customers:

Thanks for purchasing our Company’s products, and we will return for your support and confidence in our sincere service and professional operation. In order to provide you with service better, please read this Service Guide carefully after you have purchased our products. 1. Cancellation period, within 10 days

Cooling-off period refers to within 10 days after you have signed for the Insurance Contract. If you ask for cancellation of insurance Contract during this period, our Company shall deduct RMB 10.00 cost then return all paid insurance premium, but medical cost shall be deducted to those undertaking physical examination. 2. Cancellation amount, shall be accounted as follows:

To those who has paid insurance premium no more than two years, our Company shall return insurance premium after deducting commission charge; to those who has paid insurance premium for more than two years, our Company shall return the surrender value of such Contract according to Cash Value List attached to the Contract and relevant specified computational methods. 3. Application service, prepare all documents

Our service includes Contract modification, reinstatement, cancellation of Contract, transfer of insurance relations, reissue etc. And please prepare complete set of relevant documents and certificates. 4. Renewal premium, shall be paid on time

To pay renewal premium on time is the premise to remain the effectiveness of insurance Contract. And the Contract shall be invalid if you don’t pay insurance premium in the specific time and grace period. During the termination period of Contract, our Company shall not assume any insurance liability. 5. How to pay, free choice

In order to bring convenience for you to pay insurance premium, our Company has set up a more perfect renewal premium payment network, and you can choose any one means of the following: bank transfer, bank collection, cash and cheque.

6. Payment notice, kindly reminding

Within the payment date or grace period of insurance premium specified in the Contract, you may receive payment notice issued by our Company by telephone, written form or salesman come to your house etc, such notice is only a kindly reminding.

7. Termination of effectiveness, apply for reinstatement

Within two years after the effectiveness of insurance Contract terminates, you can complete Application for Reinstatement of Insurance Contract, and provide health certificate or medical report of the insurant and apply for reinstatement of Contract.

8. Had accident, report to the police timely

In case the insurant had any accident, insurance applicant, insurant or beneficiary shall notify our Company in written form within 10 days after knowing such accident. 9. Unable to go through procedures personally, entrust others

If you can’t come to our Company to prepare claim application and Contract alternation reinstatement, Contract cancellation etc., you should complete Power of Attorney and sign on it to entrust others to deal with relevant matters.

10. Any questions, contact timely

If you have any questions or request, please contact our customer service telephone, or communicate with our salesman, and we will exclude the difficulty and anxiety for you.

Company Address: Building 19, Chengjian Subdistrict, Liuwei Road, Zhenxing District, Dandong P.C.

Hotline: 95519

China Life Insurance Company Limited

China Life Yong-tai Group Annuity Insurance (2003 Participating)

Our Company shall issue this policy according to insurance clauses of Yong-tai Group Annuity (2003 Participating) and all contents in this policy.

Policy No. Insurant Name Address Telephone Number of Insured XXXXXX XXXX Group 4, Nanwei, Shiqiao Contact Guo Miaomiao Application No. Legal Representative P.C. Enterprise Code Beneficiary Guaranteed Interest Rate Effective Date of Police XXXXX XXXX 118100 210621196511161510 Legal Heritor 2.5% May 29, 2004 Public Account ￥.00 1 (Refer to Insurant List) Management Cost Proportion .00% Date of First Payment May 28, 2004 Company payment in individual account ￥.00 Personal payment in individual account ￥25000.00 Amount of First Payment Total insurance premium (in words) RMB Twenty Five Thousand Yuan Only Management Cost: ￥.00 Amount listed into payment account: ￥25000.00 Security Program: Fixed security program, refer to Insurance Clauses Annuity Starting Date Annuity Receipt Means Annuity Type Dividend Receipt Means for Company Payment Retirement & Receipt Age Man Woman Special Agreement: Management cost is 0 for this insurance, and insurance premium shall not be increased halfway. Caution: This insurance Contract consists of policy, insurance clauses, declaration, remarks, endorsement, and insurance application, application (payment) slip, insurant slip, application for alteration and other reports related to this Contract. Please check carefully upon receipt of this policy, and inquire for issuing authority if there are any questions; during valid period of the insurance Contract, if an accident happened, please contact the issuing authority of our Company timely according to specific clauses.

Offset insurance premium Birthday of mandatory retirement age of the insurant The insurant shall apply for receiving annuity to our Company

Company Name: China Life Insurance Company Limited Dandong Branch P.C.: 118000 Telephone: 2136107 Registered Address: XXXXX

Salesperson: XXXX (040 ) Policy Issuer: XXX Checked by: Customer No. of Insurance Applicant: 2004-210621-00031367-0

Seal & Signature of the Company: Branch

Authorized Signature: XXXX Issue Date: May 28, 2004

China Life Insurance Company Limited

Clauses for China Life Yong-tai Group Annuity Insurance (Participating)

(2003)

(China Insurance Regulatory Commission BaoJianFu [2003] No. 91)

Article 1: Insurance Contract Formation

China Life Yong-tai Group Annuity Insurance (Participating) Contract (hereinafter referred to as this Contract) consists of policy or other insurance voucher and attached clauses, notification, remarks, endorsement, and relevant insurance application and other written agreements.

Article 2: Insurance Coverage

Enterprise and other organization could apply for this insurance to China Life Insurance Company Limited (hereinafter referred to as our Company) as insurant applicant, and make its interested person as the insurant.

Article 3: Commencement of Cover

This contract shall take effect on the second day since or Company accepts the cover, and receives the first insurance premium and issue policy. Unless agreed otherwise, the effective date of this contract is the date that our Company assumes the insurance liability.

Article 4: Annuity Starting Date

Annuity starting date of this contract is the birthday of mandatory retirement age of the insurant. The insurant who receives annuity in advance, shall comply with national laws, rules and relevant regulations of governmental competent authority and insurance supervision.

Article 5: Opening, Cancellation and Equity Attribution of Public Account, Personal Account

Our Company shall open public account for the insurance applicant, and open personal account for each insurant, personal account is composed of “Company payment” and “individual payment”.

If the insurance applicant, public account and personal account shall be cancelled; if the insurant deceases, begins to receive annuity or dismiss, the personal account of such insurant shall be cancelled.

Equity attribution of “individual payment” in public account and personal account shall be processed according to this contract. With regard to “Company payment” in personal account, the equity attribution shall be determined by the insurance applicant in case the insurance applicant cancels the contract, and the insurant dismiss; otherwise, equity attribution under other circumstances shall be processed according to this contract.

Article 6: Insurance Premium

Before the insurant began to receive the annuity, thorough approval of our Company, the insurance applicant shall pay insurance premium to our Company periodically or non-periodically, quota or non-quota. The insurant under this contract shall pay insurance premium via insurance applicant.

The insurance applicant shall, after deducting management cost from per insurance premium, according to the requirement of insurance applicant, listed into the public account of insurance applicant and “company payment” part of personal account of the insurant. Withdrawal proportion of management cost shall be determined by the insurance applicant and our company upon insurance.

The insurance applicant could apply to transfer the capital in public account into “company payment” part of personal account of the insurant, and our company shall not withdraw the management cost.

Article 7: Account Guaranteed Benefits

The account under this contract (including public account, “company payment” part of personal account, and “individual payment of personal account, the same below”) enjoys guaranteed benefit. Our company shall, at the end of each fiscal year or require for account settlement, allocate the guaranteed benefit into the account to be one part of balance of account capital.

Article 8: Account Dividend Items

1) The account under this contract preserves the right to attend dividend distribution of participating insurance of our company. Our company shall, based on the actual operation status of last fiscal year to determine dividend distribution schedule, and issue dividend to the valid account in last fiscal year after

approved by insurance supervision.

2) The dividend of the “individual payment” of personal account under this contract shall be allocated to “individual payment” of personal account, and become one part of account balance. The dividend of the “company payment” of and public and personal account under this contract shall adopt any one of the following methods:

(1) Allocated into “company payment” of public account and personal account; (2) Paid to insurance applicant directly in the means of transfer; (3) The dividend shall be kept in our company to accrue interest.

If the insurance applicant didn’t select the dividend type upon insurance, our company shall adopt the first one.

Article 9: Insurance Liability

During the valid period of this contract, our company shall resume the following insurance liability:

1) If the insurant deceased before receipt of the annuity, our company shall pay death insurance premium

based on the balance of personal account, and the liability of this contract to the insurant cancels. 2) If the insurant lived till receipt of the annuity, our company shall pay annuity in one of the following

methods:

(1) To receive personal account balance in one time, the liability of this contract to the insurant cancels; (2) Personal account balance shall be transferred to annuity received annually (monthly) based on the

annuity type and annuity beginning date, according to the current regulations on annuity transfer standard.

1. Limited annuity: Such annuity shall be divided into ten years, fifteen years and twenty years,

which shall be selected by the insurant. 2. Ordinary life annuity: our company shall pay annuity to the insurant since annuity beginning date

per year (month) till the insurant died the liability of this contract to the insurant cancels. 3. Ten-year payment life annuity: our company shall pay annuity to the insurant since annuity

beginning date per year (month) for ten years. If the insurant died within 10 years, his/her beneficiary will continue to accept the rest annuity. 4. Ten-year payment increment life annuity: our company shall pay annuity to the insurant since

annuity beginning date per year (month) for ten years. Since the second year, annual (monthly) payment shall, on the basis of payment standard in the last year, increase 5%. If the insurant died within 10 years, his/her beneficiary will continue to accept the rest annuity, and the liability of this contract to this insurant cancels. 5. Annuity certain: Such annuity shall be divided into ten years, fifteen years and twenty years,

which shall be selected by the insurant. Our company shall pay annuity to the insurant since annuity beginning date per year (month). (3) Transfer all personal account balance into annuity, the rest of personal account balance shall be paid

when the insurant receives the first annuity.

Annuity receipt method shall be unchanged unless determined.

Article 10: Faithful Notification

Our company shall specify all contract clauses to insurance applicant while signing this contract, and require information related to insurance applicant and the insurant and insurance applicant and the insurant shall notify faithfully.

Article 11: Beneficiary

The insurant or insurance applicant could appoint one or more persons to be beneficiary of death insurance, if beneficiary is not one person, shall be determined beneficiary number and beneficiary shares; to those undetermined beneficiary shares, beneficiary enjoys beneficiary interest based on equivalent shares. The insurant or insurance applicant who intends to change beneficiary of death insurance, shall notify our company advance in written form.

The insurance applicant, while appointing or changing the beneficiary of death insurance shall be approved by the insurant in written form.

If the beneficiary of annuity is the insurant, our company shall not accept other designation and alteration.

Article 12: Insurance Accident Notification

Insurance applicant or beneficiary shall notify our company in written form within 10 days after being aware of the insurance accident, otherwise, insurance applicant or beneficiary shall assume the research and investigation cost caused by delay to notify, but except those delay caused by force majeure.

Article 13: Application and Payment of Insurance Premium

1) During the valid period of this contract, if the insurant deceased, the beneficiary shall complete Application

for Insurance Premium Payment as applicant and submit the following certificates and documents:

(1) Certificate of Insurance Applicant;

(2) Household Certificates and Identity Card of Beneficiary;

(3) Death Certificate of the Insurant issued by Public Security Bureau or county (or above) hospital; (4) Household Cancellation Certificate of the Insurant;

(5) Certificates and Documents related to nature and reason of insurance accident required by our

company. 2) At the date of annuity receipt, the insurant shall complete Application for Insurance Premium Payment as

applicant and submit the following certificates and documents:

(1) Certificate of Insurance Applicant;

(2) Household Certificates and Identity Card of Insurant

3) The right insurance applicant or beneficiary to ask for insurance premium payment shall be cancelled after

5 years if it isn’t performed.

Article 14: Change of the Insurant

1) If it is required to increase the insurant, insurance applicant shall notify our company, and we will assume

insurance liability at the second day of receiving first insurance premium after being approved by our company. 2) If it is required to decrease the insurant as the insurant dismiss, insurance applicant shall notify our

company, and the insurance liability of our company to such insurant cancels.

Article 15: Reduction Options

1) Insurance applicant shall notify our company in written form to ask for decreasing the public account

capital or the insurant or “company payment” of personal account after the second fiscal year or later, but the deceased amount shall not exceed 15% of account balance, and our company shall return the deceased amount to insurance applicant. 2) The insurant shall notify our company in written form to ask for decreasing the “individual payment” of

personal account after the second fiscal year or later, and before the annuity beginning date, but the deceased amount shall not exceed 15% of account balance, and our company shall return the deceased amount to insurant.

Article 16: Modification of Contract

During valid period of this contract, insurance applicant could complete Application for Modification to ask for change of relevant information, and our company shall issue the approval list or sign written agreement with insurance applicant through research.

Article 17: Address Change

When the address of insurance applicant has changed, he shall notify our company in written form. And our company shall submit the relevant notice to the latest address if the insurance applicant doesn’t notify us in written form.

Article 18: Age Calculation and Error Processing

Coverage age of the insurant shall be calculated as full age. Insurance applicant shall specify the true age of

the insurant on the insurance application, and our company shall deal with according to the following regulations in case of any error occurred:

1) The insurant received more annuity than due annuity caused by the age of insurant declared by

insurance applicant is not true; our company preserves the right to return back the more annuity paid to the insurant. 2) The insurant received less annuity than due annuity caused by the age of insurant declared by insurance

applicant is not true; our company shall return back the differential annuity to the insurant free of interest.

Article 19: Processing for Contract Cancellation of Insurance Applicant

After this contract is made, insurance applicant could ask for terminate the contract, but our company shall not terminate the contract to those who has already received annuity annually (monthly). Upon termination of this contract, application for contract shall be completed, and insurance contract and payment voucher of latest insurance premium shall also be submitted.

This contract shall cancel since our company receives the Application for Cancellation. Our company shall return to insurance applicant in the means of bank transfer after deducting contract cancellation cost from balance of public account and “company payment” of personal account.

Cost Proportion of Annual Cancellation of each policy (proportion of cancellation cost and account balance) is as follows:

Year Contract cancellation cost First Year 4.5% Second Year 3.0% Third Year 1.5% Fourth Year & Later 0% Article 20: Settlement of Disputes The settlement of disputes under this contract shall be one of the following determined by interest parties: 1) Any disputes arising in connection with execution of this contract, shall be dissolved by interest parties, if no agreement is reached, such dispute shall be submitted to arbitration commission.

2) Any disputes arising in connection with execution of this contract, shall be dissolved by interest parties, if no agreement is reached, such dispute shall be submitted to competent People’s Court at the place of policy issue.

Article 21: Definition

The definition of terms related to this clause is as follows: Fiscal year: from Jan. 1 to Dec. 31 in the Gregorian calendar.

Guaranteed benefit: To calculate according to account capital period and guaranteed interest rate. Account capital period means the period since the interest settlement of last fiscal year, allocate into insurance premium in current fiscal year, and transfer capital or decrease capital till settlement date; the guaranteed annual interest rate of this insurance is 2.5%.

Account balance: account balance shall be divided into account balance at the end of fiscal year and account balance in the mid of fiscal year based on settlement date.

1) Account balance at the end of fiscal year: account balance in the last fiscal year+ insurance premium allocated into account and other transferred in capital from other accounts in the current fiscal year- decreased capital from account in the current fiscal year + guaranteed benefit in the current fiscal year+ dividend allocated into account at the end of current fiscal year. Such dividend shall be distributed in the next fiscal year.

2) Account balance in the mid of fiscal year: account balance in the last fiscal year+ insurance premium allocated into account and other transferred in capital from other accounts from the current fiscal year to settlement date- decreased capital from account from the current fiscal year to settlement date+ guaranteed benefit in the current fiscal year+ guaranteed benefit from the of current fiscal year to settlement date. Personal account balance: the sum of balance of “individual payment” of personal account and balance of “company payment” of personal account.

Force majeure: refers to the objective circumstance that can’t be foreseen, avoided or overcome.

the insurant on the insurance application, and our company shall deal with according to the following regulations in case of any error occurred:

1) The insurant received more annuity than due annuity caused by the age of insurant declared by

insurance applicant is not true; our company preserves the right to return back the more annuity paid to the insurant. 2) The insurant received less annuity than due annuity caused by the age of insurant declared by insurance

applicant is not true; our company shall return back the differential annuity to the insurant free of interest.

Article 19: Processing for Contract Cancellation of Insurance Applicant

After this contract is made, insurance applicant could ask for terminate the contract, but our company shall not terminate the contract to those who has already received annuity annually (monthly). Upon termination of this contract, application for contract shall be completed, and insurance contract and payment voucher of latest insurance premium shall also be submitted.

This contract shall cancel since our company receives the Application for Cancellation. Our company shall return to insurance applicant in the means of bank transfer after deducting contract cancellation cost from balance of public account and “company payment” of personal account.

Cost Proportion of Annual Cancellation of each policy (proportion of cancellation cost and account balance) is as follows:

Year Contract cancellation cost First Year 4.5% Second Year 3.0% Third Year 1.5% Fourth Year & Later 0% Article 20: Settlement of Disputes The settlement of disputes under this contract shall be one of the following determined by interest parties: 1) Any disputes arising in connection with execution of this contract, shall be dissolved by interest parties, if no agreement is reached, such dispute shall be submitted to arbitration commission.

2) Any disputes arising in connection with execution of this contract, shall be dissolved by interest parties, if no agreement is reached, such dispute shall be submitted to competent People’s Court at the place of policy issue.

Article 21: Definition

The definition of terms related to this clause is as follows: Fiscal year: from Jan. 1 to Dec. 31 in the Gregorian calendar.

Guaranteed benefit: To calculate according to account capital period and guaranteed interest rate. Account capital period means the period since the interest settlement of last fiscal year, allocate into insurance premium in current fiscal year, and transfer capital or decrease capital till settlement date; the guaranteed annual interest rate of this insurance is 2.5%.

Account balance: account balance shall be divided into account balance at the end of fiscal year and account balance in the mid of fiscal year based on settlement date.

1) Account balance at the end of fiscal year: account balance in the last fiscal year+ insurance premium allocated into account and other transferred in capital from other accounts in the current fiscal year- decreased capital from account in the current fiscal year + guaranteed benefit in the current fiscal year+ dividend allocated into account at the end of current fiscal year. Such dividend shall be distributed in the next fiscal year.

2) Account balance in the mid of fiscal year: account balance in the last fiscal year+ insurance premium allocated into account and other transferred in capital from other accounts from the current fiscal year to settlement date- decreased capital from account from the current fiscal year to settlement date+ guaranteed benefit in the current fiscal year+ guaranteed benefit from the of current fiscal year to settlement date. Personal account balance: the sum of balance of “individual payment” of personal account and balance of “company payment” of personal account.

Force majeure: refers to the objective circumstance that can’t be foreseen, avoided or overcome.

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