The convincing reasons to invest with NTUC INCOME are:

1) Good returns of 5-6% p.a. with less risk
(due to broad diversification)

2) Well managed by 9 top fund managers
(best of breed and closely monitored by Income)

3) Low expenses of under 1% p.a.
(makes a big difference in long-term returns due to compounding effect)
Bonus Units Allocation

The additional units to clients will be applicable for the following investment
amounts. This promotion is also applicable for top-up cases.

Premium Range                     Bonus Units

$10,000 to $24999                      0.5%
$25,000 and above                        1%

The above is applicable to Ideal Plan for the 3 Combined Funds
- Growth,Balanced and Conservative only.

All cases must be submitted from 1 Jan - 28 Feb 2005.
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