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Monday, February 13, 2006

Combined funds earned 8.2% in 2005

Dear Policyholder,

Investment Linked Funds

Thank you for investing in our investment linked funds. I have good news for you again.

Our investment funds continued to perform well in 2005. The average weighted return was 6.8%, after deduction of fees. Total fund under management has grown to more than $5,000 million.

Our combined funds performed better. The average weighted return was 8.2%. It has also outperformed its benchmark over the past 3 years.

Our funds performed well, due to the expertise of our fund managers and our commitment to bring you best value.

In a recent survey, 88% of our policyholders who invested in the combined fund are happy with the returns. More than 50% are interested to increase their investment.

To find out more about our funds, I invite you to my investment seminars held once every two weeks. You can visit our website www.income.coop or call 6877 3366.

Tan Kin Lian
Chief Executive Officer

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