LOL, very confusing. As i know from the plan , the dividend is under the HLA performance which is scenario A (6.5%), or the scenario B (4.5%) from BNM. And the 5.5% interest is extra for the holder didn't touch any GUARANTEED YEARLY INCOME and DIVIDEND on second year. Example :

G.Y.I = RM25,000 + 5.5% = RM26735 (2rd year.)
Dividend = RM10,000 + 5.5% = RM10550 (2rd year.)
G.Y.I + Dividend = RM37285 in second year.

That only Example, forgive me if any wrong. =)

This post has been edited by myrealstory: May 17 2011, 02:22 PM