Surplus allocation prioritises policyholder benefits and prescribes member reserves, permitted uses, and periodic disclosure requirements.

Amendment revises surplus allocation: a dominant share must be allocated to policy-holders, a Board-approved portion of remaining surplus reserved for members (credited to separate accounts or reserves), distinct treatment for participating and non-participating policy-holders, authorised uses of member-allocated surplus including dividends and bonus shares, and a requirement to publish a Board-approved surplus distribution policy on the Corporation's website at prescribed intervals.

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