(1)   Your premium is invested into a selected        policyholders short-term Insurance fund with a        return potential of 25% of your annual premium        in the first insurance year and 30% in the        second year of insurance, when performing at a        loss ratio of 40%

(2)   The policyholder still enjoys the        InsurancePlus enhanced short-term risk        cover, even if the fund performs at a level        (61% to 66%) where no return on premium        investment is possible.

(3)   The policyholders earn investment income in        relation to the performance of the insurance        fund loss ratio performance. (At 60% - 5% to        10% / At 40% - 25% to 30%)

(4)   The InsurancePlus fund is professionally        managed with the aim to achieve optimum        results for its selected policyholders.