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Appendix 3


                           NOMINATION OF BENEFICIARY FORM



               To:





               Attention: Human Resource Department.


               Dear Sir,

               I  hereby  nominate  the  following  person(s)  as  my  beneficiary  to  receive  the  Group
               Insurance benefits in the event of my death. I confirm that this nomination supersedes
               all previous nominations made by me.

                            Name                    IC Number           Relationship         % share of
                                                  (where applicable)                          benefits












                                                                             TOTAL             100%


               Name of Employee           :


               IC Number                  :

               Date                       :


               Signature                  :


               Witnessed by               :


               Name                       :







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