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  Before using the online services or the web sites or any electronic communications and/or electronic applications offered by YF Life Insurance International Limited ("YF Life") and its subsidiaries (collectively called "the Electronic System"), please read the following terms and conditions.

This is a legally binding agreement between you and YF Life and its subsidiaries governing the terms and conditions under which the Electronic System may be used or accessed. Use or access of the Electronic System implies that you accept all the terms and conditions stated hereunder.

If you do not accept any of the terms and conditions hereunder, please do not use or access the Electronic System.
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