# PRUVantage Legacy Index

Safeguard life's greatest treasures with a legacy that endures and grows through time

[p.1]

# PRUVantage Legacy Index
Preserve your legacy through heirlooms that endure beyond a lifetime

Just as a finely crafted jewellery box safeguards its treasures, PRUVantage Legacy can protect and nurture the wealth you have diligently cultivated over time.

PRUVantage Legacy Index is an Indexed Universal Life (IUL) plan designed to safeguard your legacy and enhance it with lifelong coverage, high growth potential with uncapped index performance¹ and protection from market uncertainties, allowing it to shine even brighter for those you hold dear.

Your legacy deserves to be engraved with timeless brilliance.

Like a rare gem meticulously crafted over time, your legacy, be it a cherished family heirloom or the fruits of your labour, deserves to be enriched and preserved.

¹ Subjected to prevailing participation rate.

## Craft your legacy
for the ones you treasure most

## Grow your legacy
so it radiates brilliance for generations to come

[p.2]

Your legacy deserves to be engraved with timeless brilliance.

Like a rare gem meticulously crafted over time, your legacy, be it a cherished family heirloom or the fruits of your labour, deserves to be enriched and preserved.

Just as a finely crafted jewellery box safeguards its treasures, PRUVantage Legacy Index can protect and nurture the wealth you have diligently cultivated over time.

PRUVantage Legacy Index is an Indexed Universal Life (IUL) plan designed to safeguard your legacy and enhance it with lifelong coverage, high growth potential with uncapped index performance¹ and protection from market uncertainties, allowing it to shine even brighter for those you hold dear.

¹ Subjected to prevailing participation rate.

### Preserve your legacy
through heirlooms that endure beyond a lifetime

### Grow your legacy
so it radiates brilliance for generations to come

### Craft your legacy
for the ones you treasure most

[p.2]

# Key Benefits

## Craft your legacy
for the ones you treasure most

## Preserve your legacy
through heirlooms that endure through time

## Grow your legacy
so it radiates brilliance for generations to come

### Maximise growth potential:
- Steady growth on Fixed Account with a First Year Crediting Rate of 4.2% p.a. and Guaranteed Minimum Crediting Rate of 2.0% p.a.³
- Growth potential linked to the uncapped returns of your chosen index²
- One-time bonus crediting rate⁴ of 3.0% on total account value after the end of premium term for fully paid policy
- Guaranteed lifetime 0.0% floor rate for Index Account

### Enjoy protection from market losses:
- Minimum Crediting Rate⁵ of 2.0% p.a.

### No-lapse guarantee¹
Ensure coverage remains intact irrespective of market performance for the first five years

### Lifelong protection
with high death and terminal illness coverage

### Freedom to customise your plan
with Single or Multipay⁶ (5 or 10 years) Premium terms

### Option to choose your preferred index:
- S&P 500 FC Index⁸
- UBS MASTR Index⁹
- Barclays Shiller Allocator Index¹⁰

### Loyalty crediting rate
of 0.35% p.a. on Fixed Account from the 11th year onwards

### Customise premium allocation
between the Fixed and Index Account as per your risk appetite, with the option to change allocations every year after the first policy year

### Protect your Index Account from market volatility
with the option to spread premium allocation into 12 parts, and allocate over 12 months

### Shape your legacy
with options of making additional premium top-ups⁷, changing life assured and nomination of beneficiaries

¹ The No Lapse Period (NLP) will apply only if: there is no change in life assured; and you did not make any withdrawals from your Account Value, or: if you have made withdrawals, you back paid all the withdrawn amounts; the total withdrawn amount is equal to or less than the total top-up amount. | ² Subject to prevailing participation rate. Please refer to Product Summary for details. | ³ Guaranteed crediting rate for future new monies may be changed at Prudential's discretion. | ⁴ Applicable for Multipay premium term only. | ⁵ This refers to Minimum Surrender Value (MSV) feature, please refer to Product Summary for details. | ⁶ Subject to Least Premium Required and Maximum Advance Premium. | ⁷ Subjected to our approval. We reserve the right to reject, refund or limit the amount of top-ups being made to the policy. | ⁸ Refers to the S&P 500® FC TCA 0.50% Decrement Index (USD) ER. | ⁹ Refers to the UBS Multi Asset Strategy Tactical Rotation Index. | ¹⁰ Refers to the Shiller Barclays CAPE® Allocator 6 Dynamic Risk Control Index.

Terms and Conditions apply. Please refer to Product Summary for more information.

[p.3]

# Key Benefits

## Preserve your legacy
through heirlooms that endure through time

### Lifelong protection
with high death and terminal illness coverage

### No-lapse guarantee¹
Ensure coverage remains intact irrespective of market performance for the first five years

## Craft your legacy
for the ones you treasure most

### Freedom to customise your plan
with Single or Multipay⁶ (5 or 10 years) Premium terms

### Option to choose your preferred index:
- S&P 500 FC Index⁸
- UBS MASTR Index⁹
- Barclays Shiller Allocator Index¹⁰

### Customise premium allocation between the Fixed and Index Account
as per your risk appetite, with the option to change allocations every year after the first policy year

## Grow your legacy
so it radiates brilliance for generations to come

### Maximise growth potential:
- Growth potential linked to the uncapped returns of your chosen index²
- Steady growth on Fixed Account with a First Year Crediting Rate of 4.2% p.a. and Guaranteed Minimum Crediting Rate of 2.0% p.a.³
- Loyalty crediting rate of 0.35% p.a. on Fixed Account from the 11th year onwards
- One-time bonus crediting rate⁴ of 3.0% on total account value after the end of premium term for fully paid policy

### Enjoy protection from market losses:
- Guaranteed lifetime 0.0% floor rate for Index Account
- Minimum Crediting Rate⁵ of 2.0% p.a.

### Protect your Index Account from market volatility
with the option to spread premium allocation into 12 parts, and allocate over 12 months

### Shape your legacy
with options of making additional premium top-ups⁷, changing life assured and nomination of beneficiaries

¹ The No Lapse Period (NLP) will apply only if: there is no change in life assured; and you did not make any withdrawals from your Account Value, or: if you have made withdrawals, you back paid all the withdrawn amounts; the total withdrawn amount is equal to or less than the total top-up amount. | ² Subject to prevailing participation rate. Please refer to Product Summary for details. | ³ Guaranteed crediting rate for future new monies may be changed at Prudential's discretion. | ⁴ Applicable for Multipay premium term only. | ⁵ This refers to Minimum Surrender Value (MSV) feature, please refer to Product Summary for details. | ⁶ Subject to Least Premium Required and Maximum Advance Premium. | ⁷ Subjected to our approval. We reserve the right to reject, refund or limit the amount of top-ups being made to the policy. | ⁸ Refers to the UBS Multi Asset Strategy Tactical Rotation Index. | ⁹ Refers to the Shiller Barclays CAPE® Allocator 6 Dynamic Risk Control Index.

[p.4]

# Safeguarding your greatest treasures in 5 easy steps:

## 1. Choose the right coverage

ENJOY HIGH COVERAGE

## 2. Choose your preferred premium term¹

| | SINGLE | MULTIPAY |
|---|---|---|
| | | |

## 3. Select your premium² options

For Multipay, the Maximum Advance Premium gives you the flexibility to pay up to 3 times of the annual premium each year during premium term so that you can accelerate your account value growth in the early years.

| | MINIMUM PREMIUM | HIGHER PREMIUM |
|---|---|---|
| | $ | $ $ $ $ $ $ $ $ $ |

## 4. Allocate your premiums³ and choose your preferred index

| FIXED ACCOUNT | INDEX ACCOUNT |
|---|---|
| $ STEADY GROWTH | $ $ $ $ $ $ $ $ $ UNCAPPED GROWTH POTENTIAL |

## 5. Leave a radiating legacy for your loved ones

High payout for your dependants when you are no longer around

¹ Multipay premium term is subject to Least Premium Required and Maximum Advance Premium. | ² The premium option is to be chosen at the time of application. A Higher Premium Option allows customer to start the policy with a higher fund at inception to pay for future policy charges and/or support a longer policy sustainability. | ³ Premium charge will be applied on Single Premium or each premium payment for Multipay before monies are placed into the Fixed Account and/or Index Account based on the allocation option chosen at the start of the policy ("Net Premium Allocation").

[p.4]

# Safeguarding your greatest treasures in 5 easy steps:

## Choose the right coverage

ENJOY HIGH COVERAGE

## Choose your preferred premium term¹

| | SINGLE | MULTIPAY |
|---|---|---|
| | | |

## Select your premium² options

For Multipay, the Maximum Advance Premium gives you the flexibility to pay up to 3 times of the annual premium each year during premium term so that you can accelerate your account value growth in the early years.

| | MINIMUM PREMIUM | HIGHER PREMIUM |
|---|---|---|
| | $ | $ $ $ $ $ $ $ $ $ |

## Allocate your premiums³ and choose your preferred index

| FIXED ACCOUNT | INDEX ACCOUNT |
|---|---|
| $ STEADY GROWTH | $ $ $ $ $ $ $ $ $ UNCAPPED GROWTH POTENTIAL |

## Leave a radiating legacy for your loved ones

High payout for your dependants when you are no longer around

¹ Multipay premium term is subject to Least Premium Required and Maximum Advance Premium. | ² The premium option is to be chosen at the time of application. A Higher Premium Option allows customer to start the policy with a higher fund at inception to pay for future policy charges and/or support a longer policy sustainability. | ³ Premium charge will be applied on Single Premium or each premium payment for Multipay before monies are placed into the Fixed Account and/or Index Account based on the allocation option chosen at the start of the policy ("Net Premium Allocation").

[p.5]

# Giving your legacy an added shine with PRUVantage Legacy Index

## Mariam
Age 45, Non-Smoker.

A second-generation business owner with two children. Mariam hopes to pass on the business to her son, Nathan, upon her retirement, while also taking measures to ensure that her daughter, Nadiah is financially supported without compromising on Mariam's own retirement lifestyle.

She purchases a PRUVantage Legacy Index policy to distribute her estate equitably and carve out a larger retirement nest for herself.

### Coverage
US$ 15.0m

### Single premium
US$ 1.7m

### Premium option
Minimum Premium

### Index Account allocation
100.0%

### Participation rate
68.0%

### Index choice
S&P 500 FC Index²

### Without PRUVantage Legacy Index

**Total: US$ 28.0m**

#### Nadiah
- Family Home: US$ 6.0m
- Investments: US$ 4.0m
- **Total: US$ 10.0m**

#### Nathan
- Family Business: US$ 12.0m
- **Total: US$ 12.0m**

#### Mariam
- Cash: US$ 6.0m
- **Total: US$ 6.0m**

### With PRUVantage Legacy Index

**Total: US$ 41.3m**

#### Nadiah
- Family Home: US$ 6.0m
- Policy Payout after Mariam passes on: US$ 10.5m
- **Total: US$ 16.5m**

#### Nathan
- Family Business: US$ 12.0m
- Policy Payout after Mariam passes on: US$ 4.5m
- **Total: US$ 16.5m**

#### Mariam
- Cash: US$ 4.3m
- Investments: US$ 4.0m
- **Total: US$ 8.3m**

Mariam reallocates investments to her retirement nest, as policy payout facilitates fair and equal wealth distribution between her children

### Mariam is able to increase her total estate by
**US$ 13.3m¹ (or 47.5%)**

### including her retirement savings by
**US$ 2.3m (or 38.3%)**

¹ Increase in estate is due to Coverage of US$ 15.0m less Single Premium of US$ 1.7m. | ² Refers to the S&P 500® FC TCA 0.50% Decrement Index (USD) ER.

Figures and diagrams are for illustrative purposes only.

[p.5]

# Giving your legacy an added shine with PRUVantage Legacy Index

## Mariam
Age 45, Non-Smoker.

A second-generation business owner with two children. Mariam hopes to pass on the business to her son, Nathan, upon her retirement, while also taking measures to ensure that her daughter, Nadiah is financially supported without compromising on Mariam's own retirement lifestyle.

She purchases a PRUVantage Legacy Index policy to distribute her estate equitably and carve out a larger retirement nest for herself.

### Coverage
US$ 15.0m

### Single premium
US$ 1.7m

### Premium option
Minimum Premium

### Index Account allocation
100.0%

### Participation rate
68.0%

### Index choice
S&P 500 FC Index²

**Without PRUVantage Legacy Index**

US$ 28.0m

**With PRUVantage Legacy Index**

US$ 41.3m

Mariam is able to increase her total estate by **US$ 13.3m¹ (or 47.5%)** including her retirement savings by **US$ 2.3m (or 38.3%)**

#### Nadiah

Without:
- Family Home: US$ 6.0m
- Investments: US$ 4.0m
- **Total: US$ 10.0m**
- + US$ 6.5m

With:
- Family Home: US$ 6.0m
- Policy Payout after Mariam passes on: US$ 10.5m
- **Total: US$ 16.5m**

#### Nathan

Without:
- Family Business: US$ 12.0m
- **Total: US$ 12.0m**
- + US$ 4.5m

With:
- Family Business: US$ 12.0m
- Policy Payout after Mariam passes on: US$ 4.5m
- **Total: US$ 16.5m**

#### Mariam

Without:
- Cash: US$ 6.0m
- **Total: US$ 6.0m**
- + US$ 2.3m

With:
- Cash: US$ 4.3m
- Investments: US$ 4.0m
- **Total: US$ 8.3m**

Mariam reallocates investments to her retirement nest, as policy payout facilitates fair and equal wealth distribution between her children

¹ Increase in estate is due to Coverage of US$ 15.0m less Single Premium of US$ 1.7m. | ² Refers to the S&P 500® FC TCA 0.50% Decrement Index (USD) ER.

Figures and diagrams are for illustrative purposes only.

[p.6]

# Safeguard your loved one's future with PRUVantage Legacy Index

## Albert
Age 40, Non-Smoker.

Albert is a top executive and shareholder in an engineering company. After many years, he has accumulated US$ 5.0m worth of assets. Him and his wife have 2 children. His biggest priority is to ensure that his family continues to lead happy, comfortable lives and chase their dreams, even when unexpected events in life occur.

To safeguard his family's future, Albert purchases a PRUVantage Legacy Index policy.

### Coverage
US$ 2.0m

### Multipay Premium
US$ 0.28m¹ over 10 years

### Premium option
Minimum Premium

### Index Account allocation
80.0%

### Participation rate
85.0%

### Index choice
UBS MASTR Index⁴

### Before purchasing PRUVantage Legacy Index

**Cash**
US$ 1.3m

**Shares**
US$ 1.5m

**Family home**
US$ 1.2m

**Investment property**
US$ 1.0m

### After purchasing PRUVantage Legacy Index

**Age 40**
Purchased policy
Paid US$ 0.28m¹ over 10 years with coverage of US$ 2.0m.

**Age 50**
Received a one-time 3.0% bonus crediting rate after completing premium payment
- US$ 6,198 for Index Account
- US$ 1,198 for Fixed Account

**Age 51**
Started receiving loyalty crediting rate
- 0.35% p.a. crediting rate on Fixed Account

**Age 60**
Diagnosed with advanced stage pancreatic cancer with survival diagnosis of 8 months, and incurred US$ 500,000 out of pocket treatment cost.
Receives a terminal illness payout of US$ 2.0m² (7.1x of total premium paid)

**Result**
**Cash**
US$ 2.52m³

**With PRUVantage Legacy Index, Albert is able to build financial protection for his family, while ensuring that his legacy is not eroded by life's unexpected events.**

¹ Rounded up to the nearest US$ 10,000. | ² The values in the above illustration are projected based on the Current Crediting Rate for Fixed Account of 4.1% p.a., Current Assumed Crediting Rate for Index Account of 6.8% and prevailing charges. The actual benefits payable will depend on the actual crediting rate credited to the Fixed and/or Index Account. At Guaranteed Minimum Crediting Rate for Fixed Account of 2.0% p.a., Guaranteed Minimum Crediting Rate for Index Account of 0.0% p.a., and maximum charges, the projected one-time 3.0% bonus crediting rate is US$ 3,955 for Index Account and US$ 1,233 for Fixed Account. | ³ Increase in cash due to initial amount of US$ 1.3m less off total premium of US$ 0.28m and US$ 500,000 for cancer treatment, plus the terminal illness payout of US$ 2.0m. | ⁴ Refers to the UBS Multi Asset Strategy Tactical Rotation Index.

Figures and diagrams are for illustrative purposes only.

[p.6]

# Safeguard your loved one's future with PRUVantage Legacy Index

## Albert
Age 40, Non-Smoker.

Albert is a top executive and shareholder in an engineering company. After many years, he has accumulated US$ 5.0m worth of assets. Him and his wife have 2 children. His biggest priority is to ensure that his family continues to lead happy, comfortable lives and chase their dreams, even when unexpected events in life occur.

To safeguard his family's future, Albert purchases a PRUVantage Legacy Index policy.

### Coverage
US$ 2.0m

### Multipay Premium
US$ 0.28m¹ over 10 years

### Premium option
Minimum Premium

### Index Account allocation
80.0%

### Participation rate
85.0%

### Index choice
UBS MASTR Index⁴

**Before purchasing PRUVantage Legacy Index**

- **Cash**: US$ 1.3m
- **Shares**: US$ 1.5m
- **Family home**: US$ 1.2m
- **Investment property**: US$ 1.0m

**After purchasing PRUVantage Legacy Index**

**Age 40**
- Purchased policy
- Paid US$ 0.28m¹ over 10 years with coverage of US$ 2.0m.

**Age 50**
- Received a one-time 3.0% bonus crediting rate after completing premium payment
  - US$ 6,198 for Index Account
  - US$ 1,198 for Fixed Account

**Age 51**
- Started receiving loyalty crediting rate
  - 0.35% p.a. crediting rate on Fixed Account

**Age 60**
- Diagnosed with advanced stage pancreatic cancer with survival diagnosis of 8 months, and incurred US$ 500,000 out of pocket treatment cost.
- Receives a terminal illness payout of US$ 2.0m² (7.1x of total premium paid)

**Result**

**Cash**
US$ 2.52m³

**With PRUVantage Legacy Index, Albert is able to build financial protection for his family, while ensuring that his legacy is not eroded by life's unexpected events.**

¹ Rounded up to the nearest US$ 10,000. | ² The values in the above illustration are projected based on the Current Crediting Rate for Fixed Account of 4.1% p.a., Current Assumed Crediting Rate for Index Account of 6.8% and prevailing charges. The actual benefits payable will depend on the actual crediting rate credited to the Fixed and/or Index Account. At Guaranteed Minimum Crediting Rate for Fixed Account of 2.0% p.a., Guaranteed Minimum Crediting Rate for Index Account of 0.0% p.a., and maximum charges, the projected one-time 3.0% bonus crediting rate is US$ 3,955 for Index Account and US$ 1,233 for Fixed Account. | ³ Increase in cash due to initial amount of US$ 1.3m less off total premium of US$ 0.28m and US$ 500,000 for cancer treatment, plus the terminal illness payout of US$ 2.0m. | ⁴ Refers to the UBS Multi Asset Strategy Tactical Rotation Index.

Figures and diagrams are for illustrative purposes only.

[p.7]

# Other Product Features and Benefits

## Premium Term

### Single Premium

**Entry Age (Age Next Birthday)**
18 - 70

**Coverage**
Whole of Life

**Currency**
US dollar

**Minimum Sum Assured**
US$ 500,000

**Premium Charge**
8.5% on Single Premium

### Multipay Premium¹

**5 years**

**Entry Age (Age Next Birthday)**
18 - 70

**Premium Charge**
8.5% on Initial Annual Premium (IAP) and 6.0% on premium in excess of IAP

**10 years**

**Entry Age (Age Next Birthday)**
18 - 65

**Premium Charge**
8.5% on Initial Annual Premium (IAP) and 6.0% on premium in excess of IAP

## Index Account

**Index Account Allocation**
100.0% into choice of index

**Index Cap Rate**
Uncapped²

**Guaranteed Minimum Crediting Rate**
0.0%

## Fixed Account

**New Money Crediting Rate**
4.2% p.a. for first year

**Guaranteed Minimum Crediting Rate**
2.0% p.a.³

**Loyalty Crediting Rate**
0.35% p.a. from 11th policy year

**One-time Bonus Crediting Rate on Fixed and Index Account**
3.0% on total account value after the end of premium term for fully paid policy

## Options for Net Premium allocation (%):
Fixed Account | Index Account

| | |
|---|---|
| 0.0 | 100.0 |
| 20.0 | 80.0 |
| 40.0 | 60.0 |
| 60.0 | 40.0 |
| 80.0 | 20.0 |
| 100.0 | 0.0 |

**Minimum Surrender Value**
2.0% p.a.

**Administration Charges**
First 15 Policy Years

¹ Subject to Least Premium Required and Maximum Advance Premium.
² Subject to prevailing participation rate.
³ Guaranteed crediting rate for future new monies may be changed at Prudential's discretion.

[p.7]

# Other Product Features and Benefits

| | Single Premium | Multipay Premium¹ |
|---|---|---|
| | | 5 years | 10 years |
| **Entry Age (Age Next Birthday)** | 18 - 70 | 18 - 70 | 18 - 65 |
| **Coverage** | Whole of Life |
| **Currency** | US dollar |
| **Minimum Sum Assured** | US$ 500,000 |
| **Premium Charge** | 8.5% on Single Premium | 8.5% on Initial Annual Premium (IAP) and 6.0% on premium in excess of IAP |
| **Minimum Surrender Value** | 2.0% p.a. |
| **Administration Charges** | First 15 Policy Years |

## Index Account

| | |
|---|---|
| **Index Account Allocation** | 100.0% into choice of index |
| **Index Cap Rate** | Uncapped² |
| **Guaranteed Minimum Crediting Rate** | 0.0% |

## Fixed Account

| | |
|---|---|
| **New Money Crediting Rate** | 4.2% p.a. for first year |
| **Guaranteed Minimum Crediting Rate** | 2.0% p.a.³ |
| **Loyalty Crediting Rate** | 0.35% p.a. from 11th policy year |

## One-time Bonus Crediting Rate on Fixed and Index Account
3.0% on total account value after the end of premium term for fully paid policy

## Options for Net Premium allocation (%):
Fixed Account | Index Account

| | |
|---|---|
| 0.0 | 100.0 |
| 20.0 | 80.0 |
| 40.0 | 60.0 |
| 60.0 | 40.0 |
| 80.0 | 20.0 |
| 100.0 | 0.0 |

¹ Subject to Least Premium Required and Maximum Advance Premium.
² Subject to prevailing participation rate.
³ Guaranteed crediting rate for future new monies may be changed at Prudential's discretion.

[p.8]

# For more information, speak to your Prudential Financial Representative.
Call us at 1800 333 0 333 today.

## Important Notes:

You are recommended to read the product summary and seek advice from a qualified Prudential Financial Representative for a financial analysis before purchasing an insurance policy suitable to meet your needs.

As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.

This brochure is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to this insurance product in the policy documents that can be obtained from your Prudential Financial Representative. In case of discrepancy between the English and other language versions, the English version shall prevail. This brochure is for distribution in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 2 September 2025.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

### S&P 500 FC Index Disclaimer:

The S&P 500 FC TCA 0.5% Decrement Index (USD) ER (the "Index") is a product of S&P Dow Jones Indices LLC or its affiliates ("S&P DJI") and has been licensed for use by Prudential Assurance Co. Singapore (Pte) Ltd. ("Prudential"). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). Fast Convergence and FC are trademarks of BofA Securities, Inc. and/or its affiliates ("BofAS"). BofAS has licensed the Fast Convergence (FC) patented methodology and related trademarks to S&P DJI for use in the Index. Prudential's products are not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, BofAS or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Index.

### UBS MASTR Index Disclaimer:

UBS AG and its affiliates ("UBS") do not sponsor, endorse, sell, or promote PRUVantage Legacy Index (the "Product"). A decision to purchase the Product should not be made in reliance on any of the statements set forth in this document. Prospective investors are advised to purchase the Product only after carefully considering the risks associated with purchasing the Product, as detailed in any product information that is prepared by or on behalf of Prudential Assurance Company Singapore (Pte) Ltd. ("Licensee"), the issuer of the Product. UBS has licensed certain UBS marks and other data to Licensee for use in connection with the Product and the branding of the Product, but UBS is not involved in the calculation of the Product, the construction of the Product's methodology or the creation of the Product, nor is UBS involved in the sale or offering of the Product, and UBS does not make any representations or warranties with respect to the Product.

### Barclays Shiller Allocator Index Disclaimer:

Neither Barclays Bank PLC ('BB PLC') nor any of its affiliates (collectively 'Barclays') is the issuer or producer of PRUVantage Legacy Index and Barclays has no responsibilities, obligations or duties to investors in PRUVantage Legacy Index. The Shiller Barclays CAPE® Allocator 6 Dynamic Risk Control Index (the 'Index'), together with any Barclays indices that are components of the Index, is a trademark owned by Barclays and, together with any component indices and index data, is licensed for use by Prudential Assurance Co. Singapore (Pte) Ltd. ("Prudential") as the issuer or producer of PRUVantage Legacy Index (the 'Issuer').

[p.8]

# For more information, speak to your Prudential Financial Representative.
Call us at 1800 333 0 333 today.

## Barclays Shiller Allocator Index Disclaimer (cont'd):

Barclays' only relationship with the Issuer in respect of the Index is the licensing of the Index, which is administered, compiled and published by BB PLC in its role as the index sponsor (the 'Index Sponsor') without regard to the Issuer or the PRUVantage Legacy Index or investors in the PRUVantage Legacy Index. Additionally, Prudential as issuer or producer of PRUVantage Legacy Index may for itself execute transaction(s) with Barclays in or relating to the Index in connection with PRUVantage Legacy Index. Investors acquire PRUVantage Legacy Index from Prudential and investors neither acquire any interest in the Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in PRUVantage Legacy Index. The PRUVantage Legacy Index is not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the PRUVantage Legacy Index or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, investors or to other third parties in respect of the use or accuracy of the Index or any data included therein.

**Prudential Assurance Company Singapore (Pte) Limited. (Reg. No. 199002477Z)**
30 Cecil Street #30-01
Prudential Tower
Singapore 049712
Tel: 1800 333 0 333 Fax: 6734 6953
Part of Prudential plc
www.prudential.com.sg

[p.9]

---

## Important Notes:

You are recommended to read the product summary and seek advice from a qualified Prudential Financial Representative for a financial analysis before purchasing an insurance policy suitable to meet your needs. As buying a life insurance policy is a long-term commitment, an early termination of the policy usually involves high costs and the surrender value, if any, that is payable to you may be zero or less than the total premiums paid.

This brochure is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to this insurance product in the policy documents that can be obtained from your Prudential Financial Representative. In case of discrepancy between the English and other language versions, the English version shall prevail. This brochure is for distribution in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.

This policy is protected under the Policy Owners' Protection Scheme which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please contact your insurer or visit the GIA/LIA or SDIC websites (www.gia.org.sg or www.lia.org.sg or www.sdic.org.sg).

Information is correct as at 2 September 2025.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

## S&P 500 FC Index Disclaimer:

The S&P 500 FC TCA 0.5% Decrement Index (USD) ER (the "Index") is a product of S&P Dow Jones Indices LLC or its affiliates ("S&P DJI") and has been licensed for use by Prudential Assurance Co. Singapore (Pte) Ltd. ("Prudential"). S&P®, S&P 500®, US 500, The 500, iBoxx®, iTraxx® and CDX® are trademarks of S&P Global, Inc. or its affiliates ("S&P"); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC ("Dow Jones"). Fast Convergence and FC are trademarks of BofA Securities, Inc. and/or its affiliates ("BofAS"). BofAS has licensed the Fast Convergence (FC) patented methodology and related trademarks to S&P DJI for use in the Index. Prudential's products are not sponsored, endorsed, sold or promoted by S&P DJI, Dow Jones, S&P, BofAS or their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Index.

## UBS MASTR Index Disclaimer:

UBS AG and its affiliates ("UBS") do not sponsor, endorse, sell, or promote PRUVantage Legacy Index (the "Product"). A decision to purchase the Product should not be made in reliance on any of the statements set forth in this document. Prospective investors are advised to purchase the Product only after carefully considering the risks associated with purchasing the Product, as detailed in any product information that is prepared by or on behalf of Prudential Assurance Company Singapore (Pte) Ltd. ("Licensee"), the issuer of the Product. UBS has licensed certain UBS marks and other data to Licensee for use in connection with the Product and the branding of the Product, but UBS is not involved in the calculation of the Product, the construction of the Product's methodology or the creation of the Product, nor is UBS involved in the sale or offering of the Product, and UBS does not make any representations or warranties with respect to the Product.

## Barclays Shiller Allocator Index Disclaimer:

Neither Barclays Bank PLC ('BB PLC') nor any of its affiliates (collectively 'Barclays') is the issuer or producer of PRUVantage Legacy Index and Barclays has no responsibilities, obligations or duties to investors in PRUVantage Legacy Index. The Shiller Barclays CAPE® Allocator 6 Dynamic Risk Control Index (the 'Index'), together with any Barclays indices that are components of the Index, is a trademark owned by Barclays and, together with any component indices and index data, is licensed for use by Prudential Assurance Co. Singapore (Pte) Ltd. ("Prudential") as the issuer or producer of PRUVantage Legacy Index (the 'Issuer'). Barclays' only relationship with the Issuer in respect of the Index is the licensing of the Index, which is administered, compiled and published by BB PLC in its role as the index sponsor (the 'Index Sponsor') without regard to the Issuer or the PRUVantage Legacy Index or investors in the PRUVantage Legacy Index. Additionally, Prudential as issuer or producer of PRUVantage Legacy Index may for itself execute transaction(s) with Barclays in or relating to the Index in connection with PRUVantage Legacy Index. Investors acquire PRUVantage Legacy Index from Prudential and investors neither acquire any interest in the Index nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in PRUVantage Legacy Index. The PRUVantage Legacy Index is not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the PRUVantage Legacy Index or use of the Index or any data included therein. Barclays shall not be liable in any way to the Issuer, investors or to other third parties in respect of the use or accuracy of the Index or any data included therein.

**Prudential Assurance Company Singapore (Pte) Limited. (Reg. No. 199002477Z)**
30 Cecil Street #30-01
Prudential Tower
Singapore 049712
Tel: 1800 333 0 333 Fax: 6734 6953
Part of Prudential plc
www.prudential.com.sg

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