Rewarding Results In Just 2 Years With HL Enhanced Oil Plan

Kuala Lumpur, 30 November 2009

Hong Leong Bank (HLB) has just launched a new unit-linked insurance plan which pays guaranteed dividends of 3.18% (of 1 annual premium) at the end offirst year, 3.88% (of 2 annual premiums) at the end of second year, and provides customers with the opportunity to earn an additional non-guaranteeddividends of 9.2% (of 1 annual premium) at the end of first year and 16.6% (of 2 annual premiums) at the end of second year by investing in the crude oilmarket.

According to Ms Moey Tan , HLB's Chief Operating Officer, Personal Financial Services, "TheHong Leong Enhanced Oil Plan is an attractiveshort-term unit-linked insurance plan that is suitable for conservative investors who are looking for alternative investments to hedge against inflation.This plan offers customers a unique opportunity to gain guaranteed returns and at the same time tap into the potential gains posed by crude oil.

Moey further adds that the value added advantage of this product is, policyholder will only have to pay their premiums twice and they will have theopportunity to enjoy up to four payouts, 2 guaranteed, and 2 which are non-guaranteed. Customers who buy this product are also provided with insurancecoverage of 150% of their total premiums paid."

The Plan guarantees dividends of 3.18% of the first annual premium at the end of the first year and 3.88% of 2 annual premiums at the end of the secondyear. On top of the guaranteed dividends, policyholders will potentially earn non-guaranteed dividends of 9.2% (of 1 annual premium) at the end of firstyear and 16.6% (of 2 annual premiums) at the end of second year if the oil price stays within specified range. These non-guaranteed dividends are subjectto the USD/MYR exchange rate fluctuations.

"We have studied the market extensively. The back-testing results are encouraging – the probability of earning the non–guaranteed returns is high at 51%.In addition, policyholders can also enjoy peace of mind because there is a 90% capital-back guarantee upon maturity of the plan at the end of the twoyears."

The Hong Leong Enhanced Oil Plan will only be available for a limited time from 23 November to 14 December 2009. To find out more on thenew product, visit any of HLB's branches nationwide. Customers are also offered attractive gifts when they sign up during the first 2 weeks of the offerperiod. Product terms and conditions apply.

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Press Release - 30/11/2009