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Dear Policyowner,

We would like to take this opportunity to thank you for your loyal support since ING Insurance Berhad Malaysia officially came into being on May 6 2002.

ING Insurance Malaysia is a member of the global financial services group, ING Group based in the Netherlands. At ING, we conduct our business in accordance with the Group's Business Principles based on the Company's core values: responsiveness to the needs of the customers, entrepreneurship, professionalism, teamwork and integrity. These values are paramount in all ING's activities and all our operations, as we strike a careful balance between the interests of our customers, employees and shareholders.

Our company's tagline " Make Life Worth More ..., START LIVING " encapsulates the philosophy that insurance and the financial services that we offer are all about life choices that allow you our policyowner to start living your life to the fullest.

Just as we remain committed to ensuring our policyowners live their lives to the fullest whilst letting us manage their risks and financial needs, we will continue to uphold our key initiative of making the company " easy to do business with ". we have and will continue to provide a higher level of service performance to our customers. Our achievements in the Asia 1 to 1 Innovators Award 2002 for our vision and focus in implementing customer based business strategies are testament to our commitment to deliver quality and uncompromising services to our policyowners.

Whilst we as a company have been prudent and focused in our financial management, the insurance industry over the last few years has faced a difficult and challenging economic environment. At ING we consider your financial security and future well-being to be of paramount importance, and as such, will continue to declare year after year bonus and dividend payments. Reversionary bonus and dividend payments, once declared, are guaranteed and will enhance your policy values in meeting your personal financial obligations. Naturally, since future bonus's and dividends have yet to be declared, they are dependent on the future operating results and investment returns of the participating fund. As such, we wish to take this opportunity to remind you of their non-guaranteed nature, and that the future amount declared may be more or less than that originally illustrated.

Rest assured that in today's fast paced and ever-changing society, ING will remain the constant in your lives by striving to be your insurer and financial services provider of choice in delivering premier service and products designed to meet your financial needs. As such, we are pleased to announce that one again we will be declaring bonuses for 2004, which will be reported to you in the Annual Statement you can expect to receive from us in a few months.

Finally, we wish to extend our thanks to you, our policyowner, for your continued and unwavering support.

Should you wish to speak to us with regard to this letter, please contact our ING Customer Service Representatives at 1-800-XX-XXXX or your ING agent or any of our ING Service Centers nearest to you.

Dato' Christopher Davies


uncompromising   If people or their beliefs are uncompromising, they are fixed and do not change, especially when faced with opposition:
obligation   the state of being obligated to do or pay something
unwavering   marked by firm determination or resolution; not shakable

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