MAA TAKAFUL BERHAD

( Executive Summary )
Mrs Y Female 32 Last Birthday No 7/13/2013 Takafulink Hajj Plan RM 70,000 RM 2,400 RM -

(731996-H)

Takafulink Hajj (MTH2)

A Personal Quotation For Sex Age Smoker Date Of Quotation Plan Basic Sum Covered Annual Regular Contribution MTSVR Annual Regular Contribution Preferred MAA Takaful Shariah Funds : : : : : : : : : :

Fund(s)
MAA Takaful Shariah Growth Fund

Allocation
100%

Supplementary Benefit(s) attached

Rider(s)
MAA Takaful Khusus Protection MAA Takaful Ziarah Protection MAA Takaful Hospital & Surgical Benefit SmartMedic 200 - PR150 MAA Takaful Critical Illness Plus 46

Sum Covered
RM 7,000 RM 10,000 150 per day RM 20,000

Irregular Top-up opted

At the beginning of:

N/A

Top-up amount Scenario 1 (RM) 24,599 24,795 21,800 Scenario 2 (RM) 48,048 58,089 66,761

Benefit(s) Payable :0 In the case of Retirement At age 55 At age 60 At age 65 In Need Of Urgent and Emergency Cash, Amount available at the end of year :-

Cert. Year

5 10 15 20 25 2 Should Death Occur from ALL causes inclusive of accidental death. Your family will receive in lump sum of : At the end of year :

2,987 9,715 16,491 22,103 24,899

3,337 12,388 24,867 40,644 52,055

5 10 15 20

89,987 96,715 103,491 109,103

90,337 99,388 111,867 127,644

Should Total & Permanent Disability occur due to ALL CAUSES inclusive of accidental cause, before age 65. You will receive in lump sum* of : At the end of year :
* For Sum Covered amount of more than RM 1,000,000, the balance of Sum Covered will be payable in nine equal annual payments on the following certificate anniversary

5 10 15 20

82,987 89,715 96,491 102,103 0

83,337 92,388 104,867 120,644 13,961

At Maturity Lump-sum maturity benefit : For the above benefit, you set aside : RM 2,400 a year
Annual profit rates for Investment-Linked Funds : Scenario 1 (%) Fund Yr 1 - Yr 20 Yr 20+ Shariah Growth Fund 2.0% 2.0%

Scenario 2 (%) Yr 1 - Yr 20 Yr 20+ 9.0% 6.0%

The above are for illustration purposes only. The benefits described herein are subject to all terms and conditions contained in the certificate contract.

Investment-Linked Takaful

PRODUCT DISCLOSURE SHEET

TAKAFULINK HAJJ
Date : 13 Jul 2013

(Read this Product Disclosure Sheet before you decide to participate the Takafulink Hajj. Be sure to also read the general terms and conditions.) 1. What is this product about?

Takafulink Hajj is a regular contribution Investment-Linked Takaful (ILT) plan that expires at person covered age 80. It is a unique product that offers both protection and investment benefit. A proportion of the Participants regular contributions are allocated to buy units in any of the MAA Takaful Shariah Funds of the Participants choice. The regular contributions and coverage are up to the age of 80. Takafulink Hajj is packaged together with two riders which are Khusus Protection (MTKP) and Ziarah Protection (MTZP) riders. The value of Takafulink Hajj certificate depends on the price of the underlying units, which in turn depends on the performance of your chosen fund.

2. What are the Shariah concepts applicable? Wakalah MAA Takaful Berhad operates under the principal of Wakalah, whereby the Takaful Operators acts as an agent on behalf of the Participant for managing the operations of the Takaful business. A Wakalah fee will be charged up-front from the contributions paid. Tabarru (donation) will be deducted to the Participant Risk Investment Account (PRIA), where it will be used for mutual aid and assistance, based on the concept of Takaful. The benefits are paid from the PRIA only upon a covered loss and not upon maturity or surrender of the certificate. Surplus arising (if any) from the PRIA at the end of each financial year will be shared between the Participants and MAA Takaful on 50:50 ratio. The investment profit earned on the Participant Investment Account (PIA) is derived from the return on underlying assets and MAA Takaful Berhad charges a Wakalah Tharawat Fee (Fund Management Fee) for managing these assets. 100% of investment profit earned, net of tax, less the aforementioned Wakalah Tharawat Fee will remain in PIA, with no further sharing to MAA Takaful. The investment risk in PIA is fully borne by the Participant. Takaful Based on the concept of Takaful, Participants will contribute to the Participant Risk Investment Account (PRIA) as tabarru' (donation), where it will be used for mutual aid and assistance. 3. What are the covers / benefits provided? This certificate will cover against: Death - RM 70,000 plus PIA balance at the time of claims. Total and Permanent Disability (TPD) - RM 70,000 plus PIA balance at the time of claims. Death coverage is until the age of 80 years old while the TPD coverage is up to the age of 70 years old. Takaful coverage will cease if one of the above claim is made. Funds chosen for PIA: 100% 0% 0% 0% MAA MAA MAA MAA Takaful Takaful Takaful Takaful Shariah Shariah Shariah Shariah Growth Fund Balanced Fund Income Fund Flexi Fund 0% 0% 0% 0% MAA MAA MAA MAA Shariah Shariah Shariah Shariah Growth 2 Balanced 2 Income 2 Flexi 2

Reminder: Please read the brochure/product illustration which includes product benefits and objectives of the investment linked fund. It is important to select a fund or a combination of funds that suit your financial goals and risk profile. 3.1 Riders for Takafulink Hajj (applicable if the box is ticked): Rider Code MTKP

Packaged Rider Khusus Protection

Benefit Description Funeral Expenses (Khairat Kematian) of RM2,000.This benefits is payable within 24 hours of presentation of claim supported by certified copy of Police Report and Death Certificate. Upon full approval of death claim, an additional benefit of RM5,000 is payable on death, where the beneficiery has the option to use the benefit for the purpose of: 1. Repatriation Benefit - Transportation of the mortal remains of the person covered back to Malaysia. 2. Ziarah - Cost incurred in funeral/flight/hotel etc for person covered's family to arrange for funeral outside Malaysia. 3. Other purposes This rider provides 100% of the rider sum covered to be payable in the event of Death or Total and Permanent Disability due to accidental causes. 200% of the Rider Sum Covered is payable if Accidental Death or Total and Permanent Disability occurs in Saudi Arabia (Max RM200,000)

MTZP

Ziarah Protection

Rider Code MT46P MT46S

Optional Rider Critical Illness Plus 46 Critical Illness

Benefit Description This rider is accelerated on the BASIC certificate. It covers 46 types of diseases/treatments. A portion or 100% of the rider sum covered will be payable on first diagnosis of a dread disease. The rider provides an additional lump sum to the Basic Certificate on the first diagnosed of one of the

Super 46 MTJCI MTIAI2 Juvenile Critical Illness Improved Accident Indemnity 2

MTFB MTWI

Family Benefit Wanita Illness Protection

MTGW MTMP

Golden Wanita Protection Maternity Protection

MTHBR2

Hospital Benefit 2

MTHSR

Hospital & Surgical Benefit

46 dread diseases without affecting your basic certificates Death and Total & Permanent Disability (TPD). Coverage for TPD benefits ceases upon the person covered reaches the age of 65. The rider is accelerated on the BASIC certificate. It covers 8 types of juvenile diseases/treatments. 100% of the rider sum covered will be payable on first diagnosis of a dread disease (except for a Juvenile Lien). Improved Accident Indemnity is a rider that matures up to age of 70 years old. This rider provides a comprehensive death or injuries resulting within 365 days after the occurrence of the accident. There are 5 types of coverage: 1. Accidental Death & Dismemberment 2. Temporary Disability Indemnity 3. Permanent Disability Indemnity 4. Medical Expenses 5. Double Indemnity This rider will pay a fixed amount of coverage in the event of the death of Family Members of the Person Covered. The fixed amount payable is RM2,000 for each person which comprises of 1 legal spouse and any 4 children. This rider provides 12 types of benefits which is Female Yearly Medical Check-up, Female Cancers (Breast, cervix, uteri,Fallopian Tube, Ovary, Uterus,Vagina/Vulva), Female Carcinoma In-situ (Breast and Cervix Uteri), Systemic Lupus Erythematosus (SLE) with Lupus Nephritis, High Grade Squamous Intraepithelial Lesion (HSIL) With Severe Dysplasia, Fibroid , Ovarian Cyst, Facial Reconstructive Surgery (above the neck) Due To Accident, Breast Reconstructive Surgery Due To Accident and Cancer, Skin Grafting Due To Burns and Skin Cancer, Fractures Due To Osteoporosis and Rheumatoid Arthritis with Complication This rider provide coverage for a permanent disability (lasting for a minimum of six (6) months to perform at least three (3) of the Activities of Daily Living. This rider provides 5 types of coverage for woman maternity protection. 1. Newborn Allowance 2. Hospitalisation Benefit Due to Complication Arising from Pregnancy 3. Death Due to Childbirth 4. Pregnancy Complication 4. Infant Congenital Illness Hospital Benefit is a rider that provides coverage up to age of 70 years old. This rider provides the customers a daily income benefit when they are admitted to the hospital. The benefit will be paid for the period during the Person Covered is hospitalized and for not more than 120 days per annum. This rider provides coverage based on period of confinement to a licensed hospital due to illness or injury occurring more than 30 days after the issue date or date of reinstatement: Upon acceptance of Proof of Hospitalisation, the Takaful Operator will pay: Hospitalisation in Govermnent Hospitals and Purchased Daily Benefit for period of Government licensed private hospitals in Hospitalisation (up to 500 times the Singapore, Malaysia and Brunei. Daily rate of Compensation) Hospitalisation in Hospitals other than those 50% of the Purchased Daily Benefit stated above for period of Hospitalisation (up to 500 times the Daily rate of Compensation) Surgery & Anesthetic Fee As charged (subject to the limit of 30 times the daily rate for each operation and to an overall limit of 500 times the daily rate of compensation.

PR150 xxMTPB MTWD46 xxMS46 MTWS46

SmartMedic 200 Payor Benefit Waiver of Principal Contribution on 46 Critical Illness Payor on Saver Benefit Waiver of Regular Saver Contribution on 46 Critical Illness Payor's Spouse Benefit Payor's Spouse on Saver Benefit Increasing Basic Sum Covered Decreasing Basic Sum Covered

This rider provides a card based comprehensive medical coverage which guarantees to take care of your eligible medical bills upon discharge at our panel hospitals. Payor Benefit rider allows waiver of contribution in the event the contributor dies, becomes totally and permanently disabled or is diagnosed with 46 dread diseases. This rider provides for the waiver of contribution of the basic certificate when the person covered is diagnosed to be suffering from any one of the 46 dread diseases Waives all future saver contributions in the event the participant dies or becomes totally and permanently disabled (TPD) or is diagnosed with any one of the 46 dread diseases covered under this rider prior to the expiration of coverage of 25 years or age 65 for TPD This rider provides for the waiver of saver contribution when the person covered is diagnosed to be suffering from any one of the 46 dread diseases. Waives all future contributions in the event the participant's spouse dies or becomes totally and permanently disabled (TPD) or is diagnosed with any one of the 46 dread diseases covered under this rider prior to the expiration of coverage of 7 years or age 65 for TPD Waives all future saver contributions in the event the participant's spouse dies or becomes totally and permanently disabled (TPD) or is diagnosed with any one of the 46 dread diseases covered under this rider prior to the expiration of coverage of 7 years or age 65 for TPD Starting from the second certificate year and until maturity, the Sum Covered will increase at a rate of 1% per annum of the initial Basic Sum Covered. Starting from the second certificate year, the Sum Covered will decrease at a rate of 1% per annum of the initial Basic Sum Covered. The decreasing pattern will cease once the Sum Covered reaches 50% of the initial Basic Sum Covered. Thereafter, the Basic Sum Covered remains at the 50% level till maturity.

xxMJPB xxMJ46 MTIB MTDB

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 the underwriting requirements of the Takaful Operator. Takaful Operator allocates a portion of the contribution to purchase units in the investment-linked fund that you have chosen. Any unallocated amount will be used to pay wakalah fees, which include commissions to consultants and other expenses of the Takaful Operator.

You are advised to refer the allocation rates given in the product illustration Please refer to Takafulink Hajj Sales Illustration for your exact contribution amount. The minimum contribution is set at RM 50 for monthly mode of payment or RM 600 annual mode of payment. The applicable modes of payment are monthly, semi annually, quarterly and annually. Your estimated annual contribution is RM 2,400.00 and your contribution term will be 48 years.

5. What are the fees and charges I have to pay? Wakalah Fee Certificate Year 1 2 3 4 5 6 Thereafter Total % of Contribution Wakalah Fee 60% 50% 30% 30% 20% 20% 0% 210% *Commission 40% 40% 25% 25% 15% 15% 0% 160%

Note 1: You are advised to refer to Sales Illustration for other charges. Note 2: *The Fee incurred is not an additional deduction from the contribution to pay the commission. It is part of the Wakalah Fee.

Other Charges Tabarru Certificate Fee Switching Fee Reinstatement Fee Wakalah Fee Regular & Irregular Top-Up Service Fee Irregular Top-Up Wakalah Tharawat Fee (Fund Management Fee) Surrender Charge Partial Withdrawal Fee : : : : : Based on age, gender, Basic Sum Covered and any additional loading if necessary. RM6 per month for all methods of contribution payment. FREE switching throughout the certificate years. RM50 per reinstatement. 5% of the Regular & Irregular Top-Up amount.

: RM25 for every Irregular Top-Up. : 1% to 1.5% per annum, determined based on the weighted average of total gross assets of each MAA Takaful Shariah Funds. : NIL : RM50 per withdrawal

The tabarru' are deducted monthly from the value of your units. The tabarru' will increase as you grow older. Details of your tabarru' and other charges for this product is given in the product illustration.

6. What are some of the key terms and conditions that I should be aware of? Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly. Cash value - the cash value of the Investment-Linked Fund (ILT) depends on the performance of the investment-linked funds selected. The higher the level of Takaful coverage selected, the more units will be absorbed to pay for the tabarru charges and the fewer units will remain to accumulate cash values under your certificate. Lapse of certificate The ILT certificate will lapse when the value of investment units is insufficient to pay for the tabarru and other charges. Free Look Period - you may cancel your ILT by returning the certificate within 15 calendar days after you have received the certificate. The Takaful Operator will refund to you the unallocated contributions, the value of units that have been allocated (if any) at unit price at the next valuation date and any tabarru charge and certificate fee that have been deducted less any medical fee incurred.
Note: This list is non-exhaustive. Please refer to the certificate contract for the terms and conditions under this certificate

7. What are the major exclusions under this certificate? Exclusion for Death Benefit Death from suicide within one (1) year from the commencement date or date of increase in Face Amount, whether the Person Covered is sane or insane, shall limit the Takaful Operators liability to the Participant Investment Account value on the date of death calculated according to the Unit Price on the immediate next Valuation Date following the date of death. Exclusion for Total and Permanent Disability Benefit a. Self-destruction or any attempt thereat while sane or insane; b. Armed forces service in time of declared or undeclared war or while under orders for warlike operations or restoration of public order; c. Entering, operating or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance except while the Person Covered is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route. In the event of death or TPD of the Person Covered prior attaining the age of four (4) years at last birthday, the amount payable under the Certificate shall be in accordance with the following schedule: Age of Death/TPD (Last Birthday) 0 Year 1 Year 2 Year 3 Year 4 Year Percentage (%) of Sum Covered Payable 20% 40% 60% 80% 100%

Note: This list is non-exhaustive. Please refer to the certificate contract for the full list of exclusions 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 grace period,

your certificate may lapse. The cash amount that the Takaful Operator will pay you when you cancel the certificate before the maturity period will be much less than the total amount of contribution that you have paid. Participating in a regular contribution ILT is a long-term financial commitment. It is not advisable to hold this certificate for a short period of time in view of the high initial costs. If you find that the fund that you have chosen is no longer appropriate, you have the flexibility to switch fund. You are allowed one switch per year without any fee. For additional switches, you may be charged a processing fee. There will be free switching throughout the certificate years.

9. What are the available options? You may opt to stop paying your regular contributions and still enjoy the protection of Takafulink Hajj as long as there is sufficient PIA value to pay the tabarru. In the event of insufficient PIA value to pay for the tabarru, the certificate shall lapse. The certificate can be reinstated and subject to a reinstatement fee of RM50. Takafulink Hajj gives you added flexibility to top-up on a regular basis with Takaful Saver Regular Top-up, which starts from as low as RM10 a month, whilst giving you 95% contribution allocation. In addition you also have the flexibility to top-up (Irregular Top-up) your investment at any time with a minimum a lump sum of RM500 also at 95% contribution allocation, with an additional RM25 fee. These top-up facilities are available to you to maximize your investment value. In addition, the Participant will also have the facility to switch all or some of the allocated units of the Investment Account in a particular MAA Takaful Shariah Funds to other Shariah Funds, free of charge. You may exercise partial withdrawal at any time subject to a minimum withdrawal amount of RM500 and a minimum balance of RM1,000 in the PIA fund subject to partial withdrawal fee of RM50.

10. What do I need to do if there are changes to my contact details? It is important that you inform us of any changes in your contact details to ensure that all correspondences reach you in a timely manner.

11. Where can I get further information? Should you require additional information about investment-linked Takaful, please refer to Takafulink Hajj Brochure or you may refer to the insuranceinfo booklet on Investment-linked Takaful, available at all our branches or you can obtain a copy from the Takaful agent or visit www.insuranceinfo.com.my. If you have any enquiries, contact us at: MAA Takaful Berhad, 8th Floor, No. 566 Jalan Ipoh, 51200, Kuala Lumpur. Tel: 603 6287 6666 Fax: 603 6259 0088 E-mail: info@maatakaful.com.my 12. Other similar types of plan available Not Available

IMPORTANT NOTE: THIS IS A TAKAFUL PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNITS TRUSTS. YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY YOURSELF THAT THE INVESTMENT-LINKED PLAN CHOSEN MEET YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE CONTRIBUTION THROUGHOUT THE CERTIFICATE DURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE ADDITIONAL CONTRIBUTIONS AS TOP UPS. RETURN ON AN INVESTMENT-LINKED FUND IS NOT GUARANTEED.
The information provided in this disclosure sheet is valid as at 15/05/2013.