PRUDENTIAL BSN TAKAFUL BERHAD PruBSN Ummah PLAN ILLUSTRATION

PruBSN Ummah Plan for AMIRA BINTI MOHD

Date: Prepared by :

30/6/2013 RAMLAN BIN OTHMAN 8RO00001

Details Name

Person to be Covered : AMIRA BINTI MOHD

Gender Smoking status Occupation class Date of birth Age next birthday Basic sum covered Payment frequency Payment method Tentative maturity date Projected Investment Profit Scenario 1 Scenario 2

: Female : No : Class 1 : 30/06/1969 : 45 : RM 13,000 : Monthly : Cash / Cheque : 1/7/2033 Gross 3.00% 4.61% Net 2.21% 3.39% Allocation of Investment Profit Participant 80% PruBSN 20% 2010 2009 2008 2007 2006 Actual Investment Profit Year Tabarru' Fund 4.31% 2.70% 3.80% 2.91% N/A ISA 4.24% 3.35% 3.65% 2.56% N/A

Note : Net projected investment profit after tax deduction and investment profit sharing

AMIRA BINTI MOHD is eligible for simplified underwriting. Please fill in Section A and B of Part 3 in the Proposal Form.If AMIRA BINTI MOHD has existing PruBSN Protect, PruBSN ProtectPlus, PruBSN CrisisCover, PruBSN Ummah certificate or any other PruBSN's traditional plan, AMIRA BINTI MOHD may need to provide additional requirement when advised. Details Of Plan Plan Basic: PruBSN Ummah Compassionate Benefit Badal Hajj Benefit

Term for 20 year(s) for 20 year(s) for 20 year(s)

Sum Covered (RM) 13,000 2,000 3,000 Basic Contribution (A)

Contribution (RM) 42.00

RM 42.00 11,000 13,000 516 p.a. 120 p.a. 120 p.a. 13.00 1.00 11.00 3.00 10.00 RM 38.00 RM 80.00

Supplementary: Crisis Shield Double Takaful Plus Contributor Ummah Saver Contributor Ummah Saver

for 20 year(s) for 15 year(s) for 20 year(s) for 20 year(s) for 20 year(s)

Supplementary Contribution (B) Total Contribution (A + B) Plan Type : Term Takaful Plan Description : PruBSN Ummah plan is a regular contribution Term Takaful certificate.

This certificate offers Takaful protection for 20 years. It pays a lump sum benefit upon death or total and permanent disability of the covered person before the expiry of the term. This plan participates in investment profit. Compassionate benefit is payable upon death of the covered person on top of the Basic Sum Covered. Badal Hajj benefit is payable upon death or total and permanent disability of the covered person. This is paid on top of the Basic Sum Covered benefit on per life basis. The Basic Contribution covers PruBSN Ummah, Compassionate benefit and Badal Hajj benefit. Presented by : Date : Version : RAMLAN BIN OTHMAN 8RO00001 30/6/2013 SQS - Agency ver 2.2.1.5 a

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PruBSN Ummah Plan for AMIRA BINTI MOHD

Date: Prepared by :

30/6/2013 RAMLAN BIN OTHMAN 8RO00001

Basic Sum Covered payable is double upon death or total and permanent disability while performing Hajj or Umrah for unlimited trip per year during the certificate term. Crisis Shield Sum Covered is payable upon the diagnosis of a critical illness. This is paid in lieu with the Basic Sum Covered. The excess of Basic Sum Covered (if any) can be continued with the payment of contributions. Contributor pays an annual benefit equal to the certificate contributions on the covered person total and permanent disability or diagnosis of a critical illness during the term of the certificate. If the Crisis Shield Sum Covered is equal to Basic Sum Covered, it is not advisable to attach Contributor to this plan. Ummah Saver Contributor pays an annual benefit equal to the Ummah Saver certificate contributions on the covered person total and permanent disability before age 70 or diagnosis of critical illness during the term of the certificate.

Presented by : Date : Version :

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PruBSN Ummah Plan for AMIRA BINTI MOHD Illustration of Expected Benefits Continued -------> Wakalah Charge End of Certificate Year Contribution Paid Beginning of Year (RM) Up Front Wakalah Percentage (%) (d) 74.93 59.93 49.93 44.86 29.86 24.93 19.86 14.93 14.93 14.93 10.00 10.00 9.93 9.93 9.93 5.00 5.00 5.00 5.00 5.00 Actual Amount (RM) (e) 629.40 503.40 419.40 376.80 250.80 209.40 166.80 125.40 125.40 125.40 84.00 84.00 83.40 83.40 83.40 41.40 41.40 41.40 41.40 41.40 Basic Death Benefit (RM) (f) 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 Additional Death Benefit upon Hajj/Umrah (RM) (g) 0 0 0 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 13,000 0 0 0 0 Guaranteed TF Compassionate Benefit (RM) (h) 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 2,000 Badal Hajj Benefit (RM) (i) 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 3,000 Crisis Shield Benefit (RM) (j) 11,000 11,000 11,000 11,000 11,000 11,000 11,000 11,000 11,000 11,000 11,000 11,000 11,000 11,000 11,000 11,000 11,000 11,000 11,000 11,000

Age

(a) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

(b) 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64

(c) 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 828.00 828.00 828.00 828.00 828.00

Presented by : Date : Version :

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PruBSN Ummah Plan for AMIRA BINTI MOHD Illustration of Expected Benefits Non-Guaranteed Contribution Paid Beginning of Year (RM) ISA
Contribution Paid Beginning of year into ISA (RM)

Total Benefits OF Accumulated ISA Scenario 1 (x%)1 Scenario 2 (y%)2

End of Certificate Age Year

Investment Profit Total Tabarru' Scenario 1 (RM) (x%) 1 (RM) (l) 108.60 115.56 122.40 129.84 138.36 146.76 155.88 165.48 176.16 186.00 197.40 208.92 222.60 237.60 245.16 257.28 275.76 295.80 318.12 337.68 (m) 1.22 4.91 10.81 18.06 27.22 38.18 50.10 63.01 76.40 89.86 103.85 118.35 132.89 147.42 162.08 177.14 192.52 207.82 222.97 238.01 Scenario 2 (y%) 2 (RM)

Scenario 1 (x%) 1 (RM) o(t ) =o(t-1) + (k) - (l) + (m) 103.22 329.17 638.18 989.60 1,467.66 1,989.68 2,557.10 3,169.23 3,784.07 4,402.53 5,064.98 5,730.41 6,397.30 7,063.72 7,737.24 8,443.70 9,147.06 9,845.68 10,537.13 11,224.06

Scenario 2 (y%) 2 (RM) p(t ) = p(t -1) + (k) - (l) + (n) 103.87 332.48 647.41 1,008.84 1,502.15 2,045.80 2,642.01 3,290.81 3,950.75 4,623.07 5,348.73 6,087.30 6,837.60 7,598.09 8,376.67 9,199.88 10,032.22 10,872.39 11,718.33 12,573.04

Accumulated Loyalty Bonus (RM)

Accumulated Cash Value (RM)

Total Death Benefit (RM)

Accumulated Cash Value (RM)

Total Death Benefit (RM)

(a) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
1 2

(b) 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64

(c) 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 840.00 828.00 828.00 828.00 828.00 828.00

(k) = (c)-(e) 210.60 336.60 420.60 463.20 589.20 630.60 673.20 714.60 714.60 714.60 756.00 756.00 756.60 756.60 756.60 786.60 786.60 786.60 786.60 786.60

(n) 1.87 7.57 16.73 28.07 42.47 59.81 78.89 99.68 121.50 143.72 167.06 191.49 216.30 241.49 267.14 293.89 321.50 349.37 377.46 405.79

(q) 0.00 0.00 0.00 0.00 42.00 42.00 42.00 42.00 42.00 168.00 168.00 168.00 168.00 168.00 420.00 420.00 420.00 420.00 420.00 834.00

(r) 103.22 329.17 638.18 989.60 1,467.66 1,989.68 2,557.10 3,169.23 3,784.07 4,402.53 5,064.98 5,730.41 6,397.30 7,063.72 7,737.24 8,443.70 9,147.06 9,845.68 10,537.13 11,224.06

(s) = (r) + (f) + (h) 15,103.22 15,329.17 15,638.18 15,989.60 16,467.66 16,989.68 17,557.10 18,169.23 18,784.07 19,402.53 20,064.98 20,730.41 21,397.30 22,063.72 22,737.24 23,443.70 24,147.06 24,845.68 25,537.13 26,224.06

(u) 103.87 332.48 647.41 1,008.84 1,502.15 2,045.80 2,642.01 3,290.81 3,950.75 4,623.07 5,348.73 6,087.30 6,837.60 7,598.09 8,376.67 9,199.88 10,032.22 10,872.39 11,718.33 12,573.04

(v) = (u) + (f) + (h) 15,103.87 15,332.48 15,647.41 16,008.84 16,502.15 17,045.80 17,642.01 18,290.81 18,950.75 19,623.07 20,348.73 21,087.30 21,837.60 22,598.09 23,376.67 24,199.88 25,032.22 25,872.39 26,718.33 27,573.04

Scenario 1 (x%) assumes growth of 3.00% per annum gross before tax in the Individual Special Account. Scenario 2 (y%) assumes growth of 4.61% per annum gross before tax in the Individual Special Account. t = Current year

Presented by : Date : Version :

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PruBSN Ummah Plan for AMIRA BINTI MOHD Illustration of Expected Benefits - Ummah Saver Wakalah Charge End of Certificate Year Ummah Saver Contribution Paid Beginning of Year (RM) Up Front Wakalah Percentage (%) (x) 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 Actual Amount (RM) (y) 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 6.00 Contribution Paid Beginning of year into ISA for Ummah Saver (RM) (z) = (w)-(y) 114.00 114.00 114.00 114.00 114.00 114.00 114.00 114.00 114.00 114.00 114.00 114.00 114.00 114.00 114.00 114.00 114.00 114.00 114.00 114.00 Non-Guaranteed ISA for Ummah Saver Investment Profit Scenario 1 (x%)1 (aa) 1.35 3.91 6.50 9.17 11.90 14.65 17.52 20.40 23.38 26.42 29.52 32.68 35.92 39.23 42.61 46.07 49.62 53.23 56.92 60.68 Scenario 2 (y%) 2 (ab) 2.09 6.03 10.09 14.34 18.66 23.17 27.82 32.63 37.62 42.75 48.06 53.56 59.28 65.12 71.20 77.48 83.99 90.70 97.65 104.83 Accumulated ISA for Ummah Saver Scenario 1 (x%)1 ac(t ) =ac( t -1) + (z) + (aa) 115.35 233.26 353.76 476.93 602.83 731.48 863.00 997.40 1,134.78 1,275.20 1,418.72 1,565.40 1,715.32 1,868.55 2,025.16 2,185.23 2,348.85 2,516.08 2,687.00 2,861.68 Scenario 2 (y%)2 ad(t ) =ad(t-1) + (z) + (ab) 116.09 236.12 360.21 488.55 621.21 758.38 900.20 1,046.83 1,198.45 1,355.20 1,517.26 1,684.82 1,858.10 2,037.22 2,222.42 2,413.90 2,611.89 2,816.59 3,028.24 3,247.07

Age

(a) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
1 2

(b) 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64

(w) 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.00

Scenario 1 (x%) assumes growth of 3.00% per annum gross before tax in the Individual Special Account. Scenario 2 (y%) assumes growth of 4.61% per annum gross before tax in the Individual Special Account. t = Current year

Presented by : Date : Version :

RAMLAN BIN OTHMAN 8RO00001 30/6/2013 SQS - Agency ver 2.2.1.5 a

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PruBSN Ummah Plan for AMIRA BINTI MOHD Notes: The information set out below forms part of the Plan Illustration. 1. This is a summary illustration of projected benefits. It is intended to show the movements of possible cash flows for the investment and the impact of wakalah charges and Tabarru' on surrender value based on the assumptions stated in this illustration. 2. 3. 4. 5. 6. 7. 8. 9. ISA refers to Individual Special Account. TF refers to Tabarru' Fund. OF refers to Operator's Fund. Total death benefits ((s) or (v)) will never be less than those in column (f). Accumulated ISA illustrates the benefits payable based on the investment strategy for this type of plan, PruBSN current practices and assessment of future experience in a Scenario 1 and Scenario 2 investment profit scenarios. The accumulated ISA may fall below the total contributions in the ISA, depending on the actual performance of the fund. The investment profits illustrated here are for illustration purposes only and are NOT GUARANTEED. The actual return may be below the projected rates or negative. The actual investment profit that would be declared may be more or less, depending on the operating and investment results experienced by PruBSN.

10. Past actual performance is not a guide to future performance which may be different. 11. You should satisfy yourself that the plan serves your needs and that you can afford the contribution. 12. Death benefit is guaranteed as in the event of deficiency in Tabarru fund, PruBSN shall rectify the deficit through an interest free loan (Qard al-hasan). 13. The benefit(s) is only applicable as long as the certificate is in force. 14. All contributions and benefit amounts are stated in monetary value. 15. PruBSN believes it is important that you fully understand all the benefits under the certificate, and that you also understand how the cost of Takaful protection, distribution and risk management affect these benefits. 16. The illustration includes a schedule that shows how the value of the certificate changes over time. 17. Should you stop paying the regular contributions, the plan may continue for as long as there is sufficient ISA value in your certificate. The Tabarru' for basic and supplementary benefits (if any) will be deducted as usual. Basic and supplementary benefits (if any) will be kept in force until it has no ISA value at which time you should resume the payment of regular contribution or risk lapsing your certificate.

Commissions Commissions borne by you and paid from your contributions Proportion of Contributions Deducted for Commissions (%) 57.18 35.36 23.16 17.91 9.20 9.20 Actual Amount (RM) 548.88 339.48 222.36 171.96 88.32 88.32

End of Certificate Year

1 2 3 4 5 6

The above illustration assumes a non investment-linked product for a 20-year term and an annual contribution of RM 960.00.

Presented by : Date : Version :

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PruBSN Ummah Plan for AMIRA BINTI MOHD Definitions Appendix

The Takaful Concept Takaful is a mutual assistance concept based on the principles of shared responsibility, cooperation and common interest. Each participant contributes on the basis of Tabarru' (donation) into a fund that will be used to support each other in times of need. Individual Special Account (ISA) The account where contributions and surplus and/or investment profit arising shall be paid. Investment Profit Profit arising from managing the investment of the ISA, which will be distributed between the participant and PruBSN in the stated proportion. Participant's portion will be placed back into their account respectively. Surplus The surplus, inclusive of Tabarru' fund investment profit, arising from the Tabarru' fund after claims payable and reserves. The surplus, if any, is calculated and distributed at the end of each financial year. Tabarru' An arrangement where a portion of your contribution is donated into a fund to assist fellow participants in need through the benefits entitled to them. Tabarru' Fund (TF) It is the pool of fund for the purpose of solidarity and cooperation among the participants that is used to help all participants in time of misfortune. Up Front Wakalah Charge Any charges that you pay to PruBSN for services rendered. These fees consist of commission and distribution related charge. Commission and Distribution Related Charge Comprises of the agent's commission and distribution related expenses. Compassionate Benefit Compassionate benefit is meant to cover funeral expenses upon death of the covered person. Badal Hajj Badal Hajj is when a nominee performs Hajj on behalf of the covered person in the event of death or TPD. Badal Hajj benefit is payable as an additional sum covered if covered person's age is less than 13 years old or covered person is a non-muslim. Ummah Saver Ummah Saver contribution is used for saving purposes subject to terms and conditions. Minimum Ummah Saver contribution is RM10 while the maximum contribution is 5 times of the basic contribution. Single Top-ups Top-ups can be made at any time. The minimum amount required for top-ups is RM500. Apart from 5% wakalah charge on every single contribution top-up, there will be an aditional one-off top-up fee of RM25 for top-up less than RM5,000. For single contribution top-up payment of RM5,000 and above, there will be no top-up charge imposed.

Brief Description Of The Plan Benefits - In the event of death or total and permanent disability before age 70, total amount in the ISA will be payable. In addition, the Basic Sum Covered, compassionate benefit and Badal Hajj benefit from the Tabarru Fund will also be payable. - In the event of surrender, the surrender value of the Certificate is payable. This is inclusive of your surplus (if any). - Partial withdrawal of money from ISA is allowed subject to terms and conditions specified in the certificate document. Tabarru' amount and wakalah charges - Tabarru' amount, which is based on age next birthday, gender, smoking status, and the sum covered, is levied monthly. - Tabarru' amount and wakalah charges above may be varied by PruBSN from time to time by giving ninety (90) calendar days' notice to the certificate owners.

Presented by : Date : Version :

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PruBSN Ummah Plan for AMIRA BINTI MOHD Brief Description Of The Plan Investment Profit Sharing and Surplus - We will share any investment profit from the ISA. You will receive 80% of the profit while we will receive 20% from it. Your profit will be placed back into the ISA. - There will be no sharing of the investment profit from the TF. Any profit arise will be retained in the TF and distributed together with the surplus (if any). - You are entitled to receive the surplus (if any) arising from the TF after deductions are made due from payment of claims and provision for future claims. This surplus is inclusive of the investment profit of the TF as explained above. You are entitled for at least 50% of the surplus and we will receive the balance of 50% as incentive for managing the fund. The surplus amount will need to be tabled to Shariah Committee on year to year basis for their approval. Loyalty Bonus - Loyalty Bonus is a benefit to eligible participants subject to terms and conditions specified in the certificate document and this benefit is not guaranteed. - It is payable upon your death or total and permanent disability, or when you perform Hajj or on the maturity date, whichever happens first. - You are not entitled to the loyalty bonus if you miss any contribution payment or make the payment past its due date. Conditions Total and Permanent Disability Total and permanent disability means the complete inability to engage in any occupation and to perform any work for remuneration or profit. This also includes (a) total and irrecoverable loss of sight of both eyes (b) loss by severance of two (2) limbs at or above wrist or ankle (c) loss of sight of one (1) eye and one (1) limb at or above wrist or ankle Critical Illnesses A total of 36 critical illnesses are covered: 1. AIDS due to a blood transfusion or full blown AIDS 2. Aplastic anaemia 3. Apallic syndrome 4. Alzheimers disease 5. Benign brain tumour 6. Blindness 7. Brain surgery 8. Cancer 9. Cardiomyopathy 10. Chronic liver disease 11. Chronic lung disease 12. Coma 13. Coronary artery disease 14. Deafness 15. Encephalitis 16. Fulminant viral hepatitis 17. Heart attack 18. Heart valve replacement 19. Kidney failure 20. Loss of independent existence 21. Loss of speech 22. Major burns 23. Major head trauma 24. Major organ transplant 25. Medullary cystic disease 26. Meningitis 27. Motor neurone disease 28. Multiple sclerosis 29. Muscular dystrophy 30. Paralysis 31. Parkinsons disease 32. Poliomyelitis 33. Primary pulmonary arterial hypertension 34. Stroke 35. Surgery to the aorta 36. Systemic lupus erythematosus lupus nephritis Appendix

Claims Submission: - If you need to make a claim, you must send us a written notice to the following address. For accidental claim, it should be within thirty (30) days while for other claim within ninety (90) days from the event date:Prudential BSN Takaful Berhad Level 8A, Menara Prudential, No. 10, Jalan Sultan Ismail, 50250 Kuala Lumpur Notes: - The contributions and Tabarru' of basic and supplementary benefits may be varied by PruBSN from time to time by giving ninety (90) calendar days written notice. - PruBSN Ummah plan is a Shariah-compliant product.

Presented by : Date : Version :

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PruBSN Ummah Plan for AMIRA BINTI MOHD Product Disclosure Sheet Read this Product Disclosure Sheet before you decide to participate in the PruBSN Ummah plan. Be sure to also read the general terms and conditions. PruBSN Ummah Family Takaful Term Plan 30/6/2013 1. What is this product about? This is a regular contribution Term Takaful Plan that provides Takaful cover for 20 years. It pays a lump sum benefit upon death or total and permanent disability during the term of the certificate. In addition to that, it will also pay Compassionate benefit, Badal Hajj benefit and double of the death and total and permanent disabilty benefit upon death or total and permanent disability while performing Hajj or Umrah. You can also enhance your protection to cover critical illness by participating in Crisis Shield and / or Contributor benefit. 2. What are the Shariah concepts applicable? Tabarru' - An arrangement where a portion of your contribution is donated into a fund to assist fellow participants in need through the benefits entitled to them. Wakalah Bil Ajr - An arrangement appointing us to manage the overall services provided under your Certificate. We will take a portion of your contribution in return of these services, which include commission and distribution related charge. Mudharabah - An arrangement allowing us to invest your funds from ISA where any profit from such investments will be shared according to a fixed ratio. 3. What are the covers/benefits provided? Death benefit: Total and Permanent Disability benefit: - Lump sum (in lieu of Death benefit) - Regularly Death while performing Hajj/Umrah: Total and Permanent Disability while performing Hajj/Umrah (in lieu of Death benefit): Compassionate benefit: Badal Hajj benefit: Critical illness benefit: - Lump sum (in lieu of Death benefit) - Regularly RM 11,000 RM 636 p.a.

RM 13,000 RM 13,000 RM 636 p.a. RM 26,000 RM 26,000 RM 2,000 RM 3,000

Length of the plan: 20 years or until you die (if you die earlier) 4. How much contribution do I have to pay? The total contribution that you have to pay and the certificate terms may vary depending on our assessment of the risks involved: The estimated total contribution that you have to pay: RM 80.00 Monthly Contributions paid until age 65. It is important that any receipt that you receive should be kept as proof of payment of contributions. 5. What are the fees and charge I have to pay? Type Up front wakalah charge Top-up wakalah charge Amount 21.25% of contribution or RM 3,557.40 out of RM 16,740.00 5 % of top-up amount; and RM25 for every top-up less than RM5,000

6. What are some of the key terms and conditions that I should be aware of? It is your duty to tell us about important facts - you must tell us all important facts such as your medical condition, and state your age correctly. Free-look period - you may cancel your certificate by writing to us and returning the certificate within fifteen (15) calendar days of us delivering it to you. We will refund the contributions that you have paid less any medical fee incurred. Lapse of the certificate - the certificate will end when the amount in ISA is not enough to pay for the Tabarru' and other charges. Any partial withdrawal made from the ISA will reduce the fund balance. This can potentially cause the fund to be insufficient to pay for the Tabarru' deduction and other charges, thus may cause your certificate to lapse prematurely. In the event of total and permanent disability before age 70, one lump sum payable under all certificates with PruBSN is up to RM1 million per person. Any excess is paid on the first anniversary of the covered person's total and permanent disability subject to proof of continued disability. Upon earlier death, the balance of any unpaid benefit is paid immediately. The maximum payable under all certificates is RM4 million per person. Note: This list is non-exhaustive. Please refer to the takaful certificate for the terms and conditions under this certificate.

Presented by : Date : Version :

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PruBSN Ummah Plan for AMIRA BINTI MOHD 7. What are the major exclusions under this certificate? Death (a) If death is due to suicide within the first certificate year, we will not pay any claim. However, we will pay the value in the ISA. (b) If death is due to suicide during Hajj or Umrah, we will not pay the double takaful benefit. Total and permanent disability (a) Attempted suicide or self-inflicted injuries while sane or insane. (b) Engaging in aerial flights including parachuting and sky-diving other than as a crew member of or as a fare-paying passenger on a licensed passenger-carrying commercial aircraft operating on a regular scheduled route. Critical illness (a) If symptoms of illness occur before or within 60 calendar days after the certificate has commenced for heart attack, coronary artery heart disease that needs surgery, cancer or other serious coronary artery heart disease and 30 calendar days for all other critical illness. (b) If illness is directly or indirectly caused by acquired AIDS or any HIV infection, except when AIDS is full blown or is caused by a blood transfusion. Note: This list is non-exhaustive. Please refer to the takaful certificate for the terms and conditions under this certificate.

8. Can I cancel my certificate? Participating in a Family Takaful plan is a long-term financial commitment. If you do not pay your contributions within the period we allow, your protection may end. The cash amount that we will pay you when you cancel the certificate before it ends will be much less than the total amount of contribution that you have paid. You may cancel your certificate by giving written notice to PruBSN. 9. What do I need to do if there are changes to my contact details? It is important that you inform us about any change in your contact details to make sure that all correspondence reaches you on time. 10. Where can I get further information? If you need other information about Family Takaful, please see the insuranceinfo booklet on Family Takaful', available at all our branches or you can get a copy from the Takaful agent or visit www.insuranceinfo.com.my. If you have any enquiries, please contact us at: Prudential BSN Takaful Berhad (740651-H) Level 8A, Menara Prudential, No. 10, Jalan Sultan Ismail 50250 Kuala Lumpur Tel: 03 2053 7188 Fax: 03 2072 6188 Email: customer@prubsn.com.my You can also log on to www.prubsn.com.my IMPORTANT NOTE: PARTICIPATING IN A FAMILY TAKAFUL PLAN IS A LONG-TERM FINANCIAL COMMITMENT. YOU MUST CHOOSE THE TYPE OF CERTIFICATE THAT BEST SUITS YOUR PERSONAL CIRCUMSTANCES. YOU SHOULD READ AND UNDERSTAND THE TAKAFUL CERTIFICATE AND DISCUSS WITH THE AGENT OR CONTACT US DIRECTLY FOR MORE INFORMATION. The information provided in this disclosure sheet is valid as at 30/6/2013.

Presented by : Date : Version :

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