Prudential will determine and pay you bonus/dividend (if any) in accordance with the policy provision. Should your plan be with-profits by nature, you may be entitled to receive a share of the profits of PHKL's With-Profits Fund ("Fund"), in which your premiums are invested, through the addition of bonus/ dividend. The profits and the amount available for distribution among policyholders and shareholders are decided by Prudential in accordance with its Articles of Association. By participating in our With-Profits Fund through the plan, policyholders can receive their share of distributable profits, if any, from our With-Profits Fund in the form of non-guaranteed bonuses. No less than 90% of the distributable profit from our With-Profits Fund will be allocated to With-Profits policyholders. The calculation of the distributable profit of With-Profits Fund is performed separately and is not the same as that of the total profits of Prudential Hong Kong Limited. The bonus/dividend system aims to give policyholders a fair share of profits which are put through a "smoothing" process that is applied over the course of the policy life div.
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