Have you ever drive a car without a brake? And without any other safety gear such as seatbelt and air bag? Without realizing it, that’s what happen and experienced by many financial market investors in Indonesia. Who can precisely predict and guarantee that our financial market will be free from harm? The answer is no one. For that reason, investing is like driving a car, you need your safety gear, such as brake, seatbelt and air bag.

Ultimate Balance Protection (UB Pro) is a Single Premium Unit Linked product that offers a flexible allocation between investment and life Insurance that suits your needs.

UB Pro is equipped with sophisticated features; auto risk management systems as investment safety gear and at the same time able to optimize your investment return. One of the features is Auto Trading which has a function as a brake that made it possible for you  to determine the level of profit you want to achieve as well as your tolerance level towards loss. The Auto Re-Entry feature has a function as an automatic gear in a car that allows you to automatically determine the right time to re-invest in the financial market, when the condition is ideally reach the level that you want. And the Auto Balancing feature works like a car’s cruise control which able to maintain the speed, keep your investment portfolio movement stable and in accordance to your decision.

Maximize your investment with 3 sophisticated features from UB Pro:

1. Auto Trading

Auto – Trading is a feature that serves to monitor and maintain the performance of your investment portfolio in accordance to purpose of your investment – automatically – from time to time. This feature helps you to obtain all investments you've earned when your investment objective has been achieved, and / or secure the entire value of the investment you have gained from further downside risks which may go beyond the level of risk that you can accept.

2. Auto Balancing

Auto – Balancing is a feature that serves to maintain the Asset Allocation Investment Portfolio according to your own risk profile – automatically and consistently – from time to time. This feature is useful to ensure your investment risk exposure is in accordance to the level of risk you can accept.

3. Auto Re-Entry

Auto Re-Entry is a feature that works to Re-invest to your previous portfolio which has been obtained and / or secured - automatically – in accordance to your Risk Profile and Investment Objectives. This feature is – indirectly – has helped you to gain right momentum when the price of investing is in accordance with the expected price.

The advantage of this product for you

• 2 (two) benefits within 1 (one) product:
  1. Investment Portfolio Growth associated with the optimal market risks under control and adequate liquidity
  2. Protection of life until the age of 99 years, and up to 65 years for an additional Personal Accident Insurance (if additional insurance)

• All Information Technology based auto risk management system features are free of charge for the convenience of personal financial planning
• Competitive Transaction costs
• Easy underwriting process
• Periodic Investments results report

Options for Your Single Premium Allocation

You may determine the benefits you want by determining the Single Premium allocation as follow:

Min. Single Premium : Rp.50.000.000 consisting of :
Basic Premium : Rp. 25.000.000,-	Top-Up Premium : Rp. 25.000.000,-

Note :

• Investment Portfolio = Basic Premium + Premium Top-Up
• Life Protection Benefit:
  1. 125% x Basic Premium
  2. 250% x Basic Premium - If death caused by accident (If you purchase additional Personal Accident Insurance)

Options for your Investment Portfolio Asset Allocation

Choices of the investment funds allocation amount that can be chosen by customers are as follow:

Type of Investment Fund	Invested on
Generali Money Market II	100% Money Market
Generali Fixed Income II	80% - 100% Fixed Income Fund 0% - 20% Money Market

            Deutche Bank as the custodian bank

Fees

• Transaction fees charges are as follow:
  1. Entry fee: 2% per transaction
  2. Manual switching , will be free of charge up to 6 times a year.    
     Switching fee of Rp. 100,000, - will be charged for 7th switching and so on in the same year
  3. Free of charge for Ultimate Balance Protection facilities (Auto Trading, Auto balancing, Auto Re-Entry)
  4. Single Premium Top Up fee: 2 % per transaction
  5. Surrender and withdrawal in the first year of the policy will be charged as stated in the the table below.

Number of Cancellations/ Redemption (% Of Value Investing)	Cost Cancellation/ Redemption (% Of Total Cancellation/ Sales Return)  in first year
>80%	8%
>70%-80%	5%
>60%-70%	3%
>50%-60%	2%
>30%-50%	1%
≤ 30%	0%

• Investment Management Fee, subject to the Investment Portfolio

Generali Money Market II	Max.  2% per year
Generali Fixed Income II	Max.  2,1% per year

• Cost of Insurance will be charged to the Investment Portfolio, every month according to Age, Health Condition, History of mental illness, sum insured while for cost of rider based on the occupation class and sum insured
• Admission fee IDR 30.000 per month

Risk Product :

• Liquidity Risk
  Risks which relates to the difficulty for investor to liquidate their investment. This risk might occur in case where withdrawal of investment in large amount done in one or several days in a row that may cause difficulties for fund managers to sell the investment portfolio to pay off the withdrawal.

• Value Units Reduction Risk
  Losses that arise when the investment value declining. This loss will not occur if the funds withdrawn is higher than the unit price applied during the initial purchase.

• Operational Risk
  Potential loss that may occur from a lack of internal control, human error, system failure, and execution risk as well as other events occured beyond the control.

• Market risk
  Risks that arise due to economic changes or other things that may resulting a decrease in the nett asset value portfolio

Other Annotation:

• During 14 (fourteen) days after policy being issued, 100% of the funds paid by the policyholders will be placed  in the Generali Money Market II. The period is called Free Look Period.
• After the Free Look Period ends, the funds allocation will be adjusted in accordance to the Asset Allocation which has been stated by the Policy Holder, related to the Investment Objectives and Risk Profile of the Policy Holder.

For further information please contact the nearest ANZ Panin Bank branch near you.

ANZ  Juanda Tel. (021) 2312777 Fax. (021) 2313222	ANZ Balikpapan Tel. (0542) 441 944 Fax. (0542) 441 940
ANZ  Kelapa Gading Inkopal Tel. (021) 450 1874 Fax. (021) 4585 9057	ANZ Bandung Dago Tel. (022) 426 1126 Fax. (022) 426 1130
ANZ  Kelapa Gading Boulevard Tel. (021) 4585 9058 Fax. (021) 4585 9057	ANZ Bandung Jawa Tel. (022)  420 2656 Fax. (022) 423 2883
ANZ  Kemang Tel. (021) 718 1378 Fax. (021) 718 1378	ANZ Darmo Tel. (031) 561 3288 Fax. (031) 561 3299
ANZ  Mangga Dua Tel. (021) 6231 1540 Fax. (021) 6231 1301	ANZ Denpasar Tel. (0361) 224 225 Fax. (0361) 224 211
ANZ  Nusantara Tel. (021)  3983 5949 Fax. (021) 3983 5948	ANZ Makassar Tel. (0411) 330 888 Fax. (0411) 330 911
ANZ  Pluit Village Tel. (021) 668 3768 Fax. (021) 668 3769	ANZ Mal Galaxy Tel. (031) 591 5200 Fax. (031) 591 5502
ANZ CBD Pluit Tel. (021) 6667 3073 Fax. (021) 6667 3072	ANZ Manado Tel. (0431) 855777 Fax. (0431) 859880
ANZ  Metro Pondok Indah Tel. (021) 750 5763 Fax. (021) 750 5758	ANZ Medan Diponegoro Tel. (061) 452 7011 Fax. (061) 452 7611
ANZ  Wisma Pondok Indah Tel. (021) 7592 3088 Fax. (021) 7592 3077	ANZ Medan Imam Bonjol Tel. (061) 415 4488 Fax. (061) 414 5488
ANZ  Puri Indah Tel. (021) 7592 3088 Fax. (021) 580 8488	ANZ Palembang Tel. (061) 452 701 Fax. (061) 452 7611
ANZ  Sunter Tel.  (021) 6531 8500 Fax. (021) 6531 8505	ANZ Pemuda Tel. (031) 531 1612 Fax. (031) 531 4855
ANZ Tower Tel. (021) 5795 1199 Fax. (021) 5795 1169	ANZ Rich Palace  Tel. (031) 561 3288 Fax. (031) 561 3299
Private Banking Tel. (021) 5750 300 ext. 23360	ANZ Semarang Tel. (024) 845 6718 Fax. (024) 845 6719
ANZ Solo Tel. (0271) 741 800 Fax. (0271) 741 500