Private Estate Life: life assurer in Luxembourg

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PanEuroLife Target Fund II

Subscription period: 20 December 2006 - 7 March 2007
Subscriptions will be accepted at latest on Monday 5th March 2007.

You may be seeking a short-term investment that gives an attractive performance, in both rising and falling markets. The PanEuroLife Target Fund II could be of interest to you.

Features:

Return of nominal value of investment at maturity
Short-term investment: only 36 months
Basket of 20 shares consisting of some of the world’s largest comapnies
Potential return of up to 75%* whatever the evolution of the markets

*The policy is subject to the tax rules applicable in the country of residence of the policyholder.

PanEuroLife Crystal Fund

Subscription period: 20 December 2006 - 7 March 2007
Subscriptions will be accepted at latest on Monday 5th March 2007.

Given the current market situation PanEuroLife seeks a balance between risk and performance rather than aiming for performance only. The new structured fund, PanEuroLife Crystal Fund, enables you to take advantage on a mid-term, of the highest performance of the equity markets. All this and with the capital garanteed.

Features:

An investment horizon of 6 years
Return of nominal value of investment at maturity
A participation of 100% on the highest performance of a basket of 12 international shares, increased with the nominal value of the investment on the maturity date.

The policy is subject to the tax rules applicable in the country of residence of the policyholder.

PanEuroLife Triple Seven Fund

Subscription period: 20 December 2006 - 7 March 2007
Subscriptions will be accepted at latest on Monday 5th March 2007.

PanEuroLife Triple Seven Fund is a structured fund that, through an innovative mechanism, combines a fixed income on a short term with a participation of equity markets. All the while with limited risks in the longer term.

Features:

An 8 year investment horizon
a diversified basket of 30 international shares
A fixed coupon* of 7% during the first three years, over the nominal value of the investment
From the 4th year on, a yearly coupon indexed on the performance of a selection of 10 shares of the basket
Innovative and transparant mechanism: optimal value at the start and security limits
From the 4th year onwards, an annual coupon depending on the performance of a selection of 10 shares of the basket
When the annual performance of the selection for each year from the fourth year is equal to or greater than the fixed limit, the applicant receives for that year a variable coupon and for the years remaining until the maturity date a fixed coupon of 7% on the nominal value of the investment. In this case he receives at the end of the investment period, on top of the last coupon, 100% of the nominal value of his investment.

*The policy is subject to the tax rules applicable in the country of residence of the policyholder.

Fund investment
During the subscription period, net payments, subject to acceptance by the assurer, shall be directly invested in the fund, which will act as a minimum guaranteed rate fund without beneficiary participation, with the NAVs known in advance .
As of 14/03/2007, the NAV will be calculated weekly based on market conditions**.

Please consult the fund fact sheets for more information.

** For the full term of the investment, the NAV remains subject to market fluctuations and can go up as well as down.This value will depend upon the options composing the assets of the PanEuroLife Target Fund II and PanEuroLife Crystal Fund or upon the valorisation of the fixed coupons and the options composing the assets of the PanEuroLife Triple Seven Fund.