Uni.Asia Life Assurance Berhad (co.

No : 277714-A)

PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before You decide to take up this product. Be sure to also read the Policy Summary.) Product Name Proposers Name 1. : POS HAYAT :

What is POS Hayat? POS Hayat is a group life insurance product for customers of POS Malaysia Berhad under the master policy of POS Malaysia Berhad. The product benefit provides coverage against death. What are the covers/benefits provided? The Certificate of Insurance under the Master Policy covers: Coverage Benefit Amount (RM) Plan 1 Plan 2 Within first 2 years of the Certificate of Insurance Plan 3

2.

Death Benefit

Annual Premium paid for the year of death will be refunded

Additional Accidental Death Benefit 10,000 20,000 After first 2 years of the Certificate of Insurance Death Benefit 3,000 5,000 Additional Accidental Death Benefit 10,000 20,000

30,000 7,000 30,000

Period of Coverage: 1 year. The Certificate of Insurance is yearly renewable upon payment of annual premium up to age 70 years old. Note: Please refer to the master policy for the detail definition. 3. How much premium do I have to pay? The Annual Premium You need to pay will correspond to the plan You have chosen and based on Your age at the time of purchase or renewal: Annual Premium (RM) Age Plan 1 Plan 2 Plan 3 18 50 38.00 56.00 75.00 51 60 78.00 121.00 165.00 61 70 151.00 245.00 335.00 The renewal premiums payable are NON-GUARANTEED and will increase according to Your age at renewal. The Company reserves the right to revise the premium by giving You a 90 day written notice. 4. What are the fees and charges that I have to pay? Type Stamp Duty

Amount Not Applicable

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What are some of the key terms and conditions that I should be aware of? Importance of disclosure - You must disclose all important facts that will affect Your risk profile, such as Your occupation and Your age correctly. If You fail to inform Us in the event of any change in Your occupation, we may deny Your coverage. A Grace Period of 31 days from the certificate anniversary will be allowed for the payment of renewal premium during which the Certificate of Insurance is still inforce. After the end of Grace Period, if premium remains unpaid, the Certificate of Insurance will lapse and have no insurance coverage.

Note: This list is non-exhaustive. Please refer to the master policy contract for the full list of terms and conditions under the policy.

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What are the major exclusions under this plan? Death benefit is NOT payable if the Life Assured dies due to Dueling; the hand of justice; or commiting or attempting to commit an unlawful act under Malaysian Law. Additional Accidental Death Benefit is NOT payable if death is caused by: assault or murder, riot, suicide, under the influence of alcohol, drugs abuse, pregnancy, pre-existing disabilities, dangerous pursuits and occupation like boxing, diving and acrobat. Note: This list is non-exhaustive. Please refer to the master policy contract for the full list of terms and conditions under the policy.

7.

Can I cancel my Certificate of Insurance? If Your Certificate of Insurance has been issued and for any reason whatsoever You have decided to cancel Your Certificate of Insurance, You can return the Certificate of Insurance to Us for cancellation. If the request of cancellation is received by Us within the period of fifteen (15) days from the delivery date of the Certificate of Insurance, You are entitled to a refund of the premium paid, without interest. If You cancel the Certificate of Insurance after fifteen (15) days from the delivery date of Your Certificate of Insurance, Your Certificate of Insurance will be terminated on the following Anniversary Date without any refund of premium paid. What do I need to do if there are changes to my contact details? It is important that You inform Us of any change in Your contact details to ensure that all correspondences reach You in a timely manner. Where can I get further information? Should You require additional information about life insurance, please refer to the insuraninfo booklet available at all our branches or visit www.insuranceinfo.com.my. For any enquiries, please contact us at: Uni.Asia Life Assurance Berhad Ground Floor Bangunan Uni.Asia 16, Jalan Tun Tan Siew Sin 50050 Kuala Lumpur, Malaysia P.O. Box 10845, 50726 Kuala Lumpur Customer Service Line: 03-2687 2020 Fax : 03-2026 6097 Email : customerservice@uniasialife.com.my

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10. Other similar types of product? Please contact Us for any other similar types of product offered by Us.

IMPORTANT NOTE: YOU MUST APPOINT A NOMINEE AND ENSURE THAT YOUR NOMINEE IS AWARE OF THE INSURANCE POLICY THAT YOU HAVE PURCHASED. YOU SHOULD READ AND UNDERSTAND YOUR INSURANCE POLICY AND DISCUSS WITH YOUR AGENT OR CONTACT THE INSURANCE COMPANY FOR MORE INFORMATION. The information provided in this product disclosure sheet is valid as at 8 May 2012.