AIA PUBLIC Takaful Bhd.

(935955-M)
99 Jalan Ampang
50450 Kuala Lumpur
Customer Contact: 1300 88 8922
F: (603) 2056 3690
AIA.COM.MY

December 31, 2020

1-6
KHAIRUN NADIA BINTI MOHAMAD ZUBER Certificate No. : S337738A01
NO 36 Certificate Date : November 15, 2018
JALAN BINTANG 7 Contribution : RM 216.00
Mode : MONTHLY
DESA RENING JAYA
44200 RASA

Dear KHAIRUN NADIA BINTI MOHAMAD ZUBER,

Person Covered : MOHD MUAZ BIN ABD HAMID

Transaction Type: Financial Statement

Your investment-linked financial statement for 2020.

CONTRIBUTION INFORMATION SINCE INCEPTION AMOUNT(RM)

Participant’s Participant’s
Investment Fund Investment Fund
Transactions (Protection Account) (Savings Account)
(PIF-PA) (PIF-SA)
Total Contribution 2,600.00 2,209.00
Total Wakalah Fees 1,540.00 110.45
Total Top Up 0.00 0.00
Total Top Up Charge 0.00 0.00
Total Contribution Invested 1,060.00 2,098.55
Total Monthly Certificate Charge 2,544.74 0.64
Total Fund Switch Fee 0.00 0.00
Total Auto Re-balancing 0.00 0.00
Total Contribution Holiday Charge 0.00 0.00
Total Withdrawal to-date 0.00 0.00
Total Withdrawal Charge 0.00 0.00

Regular contribution allocation :

A-DANA EQUITY : 100.00%

A-Plus Saver-i contribution allocation :

A-DANA EQUITY : 100.00%

COVERAGE INFORMATION
Benefit Type Sum Covered (RM) Effective Date Expiry Date
A-LifeLink-i 100,200.00 Nov 15, 2018 Nov 15, 2087
A-Plus DisabilityCare-i* 100,200.00 Nov 15, 2018 Nov 15, 2057
A-Plus HospitalIncome Extra-i 100.00 Nov 15, 2018 Nov 15, 2087
A-Plus Med-i PLAN150-PC Nov 15, 2018 Nov 15, 2087
A-Plus CriticalCare-i 60,600.00 Nov 15, 2019 Nov 15, 2087
A-Plus WaiverExtra-i # 2,592.00 Nov 15, 2018 Nov 15, 2087

Death Benefit at beginning of January 1, 2020* RM 100,264.66

Death Benefit at ending of December 31, 2020* RM 100,934.94

* Please refer to the Takaful Certificate on Death Benefit. It does not include any Supplementary Benefit with Death Coverage.
 AIA PUBLIC Takaful Bhd. (935955-M)
99 Jalan Ampang
50450 Kuala Lumpur
Customer Contact: 1300 88 8922
F: (603) 2056 3690
AIA.COM.MY

2-6

CERTIFICATE VALUE AS AT DECEMBER 31, 2020

Unit Price Units Total Value

Fund Portfolio
(RM) PIF-PA PIF-SA (RM)

A-DANA EQUITY 0.84950 0.92853 864.21579 734.94

Total Account Value (RM) 0.79 734.15 734.94

Note: You can refer to your fund’s prices published daily in our website at www.aia.com.my or Berita Harian and New Straits Times on the last
working day of the month.

DETAILS OF ASSIGNEE OR NOMINEE

Name Relationship Address
N/A
 3-6
Statement of Account for A-LifeLink-i
Statement Period: January 1, 2020 to December 31, 2020

Action Transaction Price Value Current Value of Balance Balance

Date (RM) Date Units Units(RM) Units Value (RM)

PIF-PA
A-DANA EQUITY

Jan-01-20 Fund Balance Brought Forward 0.68599 Jan-01-20 0.00000 0.00 0.00117- 0.00
Jan-15-20 Fund Subsidy 0.68525 Jan-15-20 147.71251 101.22 147.71134 101.22
Jan-17-20 Renewal Contribution Applicati 0.68656 Jan-16-20 58.26148 40.00 205.97282 141.41
Jan-17-20 Tabarru' 0.68583 Jan-17-20 20.04870- 13.75- 185.92412 127.51
Jan-17-20 Cert Fee 0.68583 Jan-17-20 11.66469- 8.00- 174.25943 119.51
Jan-17-20 Tabarru' 0.68583 Jan-17-20 15.30991- 10.50- 158.94952 109.01
Jan-17-20 Tabarru' 0.68583 Jan-17-20 88.34550- 60.59- 70.60402 48.42
Jan-17-20 TPA Fee 0.68583 Jan-17-20 7.29043- 5.00- 63.31359 43.42
Jan-17-20 Tabarru' 0.68583 Jan-17-20 4.92833- 3.38- 58.38526 40.04
Feb-04-20 Renewal Contribution Applicati 0.66972 Feb-03-20 59.72645 40.00 118.11171 79.10
Feb-15-20 Fund Subsidy 0.69134 Feb-15-20 28.29288 19.56 146.40459 101.22
Feb-18-20 Fund Subsidy 0.69096 Feb-18-20 0.08684 0.06 146.49143 101.22
Feb-18-20 Tabarru' 0.69096 Feb-18-20 19.89984- 13.75- 126.59159 87.47
Feb-18-20 Cert Fee 0.69096 Feb-18-20 11.57809- 8.00- 115.01350 79.47
Feb-18-20 Tabarru' 0.69096 Feb-18-20 15.19624- 10.50- 99.81726 68.97
Feb-18-20 Tabarru' 0.69096 Feb-18-20 87.68959- 60.59- 12.12767 8.38
Feb-18-20 TPA Fee 0.69096 Feb-18-20 7.23630- 5.00- 4.89137 3.38
Feb-18-20 Tabarru' 0.69096 Feb-18-20 4.89174- 3.38- 0.00037- 0.00
Mar-16-20 Fund Subsidy 0.61419 Mar-16-20 172.27568 105.81 172.27531 105.81
Mar-18-20 Renewal Contribution Applicati 0.59043 Mar-17-20 67.74724 40.00 240.02255 141.72
Mar-18-20 Tabarru' 0.59366 Mar-18-20 23.16140- 13.75- 216.86115 128.74
Mar-18-20 Cert Fee 0.59366 Mar-18-20 13.47572- 8.00- 203.38543 120.74
Mar-18-20 Tabarru' 0.59366 Mar-18-20 17.68689- 10.50- 185.69854 110.24
Mar-18-20 Tabarru' 0.59366 Mar-18-20 102.06178- 60.59- 83.63676 49.65
Mar-18-20 TPA Fee 0.59366 Mar-18-20 8.42232- 5.00- 75.21444 44.65
Mar-18-20 Tabarru' 0.59366 Mar-18-20 7.27689- 4.32- 67.93755 40.33
Mar-18-20 Tabarru' 0.59366 Mar-18-20 6.14830- 3.65- 61.78925 36.68
Apr-06-20 Renewal Contribution Applicati 0.61878 Apr-03-20 64.64333 40.00 126.43258 78.23
Apr-15-20 Fund Subsidy 0.63409 Apr-15-20 40.43590 25.64 166.86848 105.81
Apr-16-20 Tabarru' 0.64202 Apr-16-20 21.41677- 13.75- 145.45171 93.38
Apr-16-20 Cert Fee 0.64202 Apr-16-20 12.46067- 8.00- 132.99104 85.38
Apr-16-20 Tabarru' 0.64202 Apr-16-20 16.35463- 10.50- 116.63641 74.88
Apr-16-20 Tabarru' 0.64202 Apr-16-20 94.37400- 60.59- 22.26241 14.29
Apr-16-20 TPA Fee 0.64202 Apr-16-20 7.78791- 5.00- 14.47450 9.29
Apr-16-20 Tabarru' 0.64202 Apr-16-20 6.72876- 4.32- 7.74574 4.97
Apr-16-20 Tabarru' 0.64202 Apr-16-20 5.68518- 3.65- 2.06056 1.32
May-05-20 Renewal Contribution Applicati 0.64413 May-04-20 62.09927 40.00 64.15983 41.33
May-15-20 Fund Subsidy 0.66634 May-15-20 94.63637 63.06 158.79620 105.81
May-18-20 Tabarru' 0.66989 May-18-20 20.52575- 13.75- 138.27045 92.63
May-18-20 Cert Fee 0.66989 May-18-20 11.94225- 8.00- 126.32820 84.63
May-18-20 Tabarru' 0.66989 May-18-20 15.67421- 10.50- 110.65399 74.13
May-18-20 Tabarru' 0.66989 May-18-20 90.44768- 60.59- 20.20631 13.54
May-18-20 TPA Fee 0.66989 May-18-20 7.46391- 5.00- 12.74240 8.54
May-18-20 Tabarru' 0.66989 May-18-20 6.44881- 4.32- 6.29359 4.22
May-18-20 Tabarru' 0.66989 May-18-20 5.44865- 3.65- 0.84494 0.57
Jun-03-20 Renewal Contribution Applicati 0.73619 Jun-02-20 54.33380 40.00 55.17874 40.62
Jun-15-20 Fund Subsidy 0.74631 Jun-15-20 86.59940 64.63 141.77814 105.81
Jun-16-20 Fund Subsidy 0.72302 Jun-16-20 4.56419 3.30 146.34233 105.81
Jun-16-20 Tabarru' 0.72302 Jun-16-20 19.01745- 13.75- 127.32488 92.06
Jun-16-20 Cert Fee 0.72302 Jun-16-20 11.06470- 8.00- 116.26018 84.06
Jun-16-20 Tabarru' 0.72302 Jun-16-20 14.52241- 10.50- 101.73777 73.56
Jun-16-20 Tabarru' 0.72302 Jun-16-20 83.80127- 60.59- 17.93650 12.97
Jun-16-20 TPA Fee 0.72302 Jun-16-20 6.91543- 5.00- 11.02107 7.97
Jun-16-20 Tabarru' 0.72302 Jun-16-20 5.97493- 4.32- 5.04614 3.65
Jun-16-20 Tabarru' 0.72302 Jun-16-20 5.04826- 3.65- 0.00212- 0.00
Jul-03-20 Renewal Contribution Applicati 0.75669 Jul-02-20 52.86181 40.00 52.85969 40.00
Jul-15-20 Fund Subsidy 0.81975 Jul-15-20 76.21836 62.48 129.07805 105.81
Jul-16-20 Fund Subsidy 0.80925 Jul-16-20 1.66821 1.35 130.74626 105.81
Jul-16-20 Tabarru' 0.80925 Jul-16-20 16.99104- 13.75- 113.75522 92.06
Jul-16-20 Cert Fee 0.80925 Jul-16-20 9.88569- 8.00- 103.86953 84.06
Jul-16-20 Tabarru' 0.80925 Jul-16-20 12.97497- 10.50- 90.89456 73.56
Jul-16-20 Tabarru' 0.80925 Jul-16-20 74.87179- 60.59- 16.02277 12.97
Jul-16-20 TPA Fee 0.80925 Jul-16-20 6.17856- 5.00- 9.84421 7.97
Jul-16-20 Tabarru' 0.80925 Jul-16-20 5.33827- 4.32- 4.50594 3.65
Jul-16-20 Tabarru' 0.80925 Jul-16-20 4.51034- 3.65- 0.00440- 0.00
Aug-11-20 Renewal Contribution Applicati 0.86288 Aug-10-20 46.35639 40.00 46.35199 40.00
Aug-15-20 Fund Subsidy 0.84335 Aug-15-20 79.11306 66.72 125.46505 105.81
Aug-17-20 Fund Subsidy 0.83043 Aug-17-20 1.95080 1.62 127.41585 105.81
Aug-18-20 Fund Subsidy 0.82130 Aug-18-20 1.41239 1.16 128.82824 105.81
Aug-18-20 Tabarru' 0.82130 Aug-18-20 16.74175- 13.75- 112.08649 92.06
Aug-18-20 Cert Fee 0.82130 Aug-18-20 9.74065- 8.00- 102.34584 84.06
Aug-18-20 Tabarru' 0.82130 Aug-18-20 12.78460- 10.50- 89.56124 73.56
Aug-18-20 Tabarru' 0.82130 Aug-18-20 73.77328- 60.59- 15.78796 12.97
Aug-18-20 TPA Fee 0.82130 Aug-18-20 6.08790- 5.00- 9.70006 7.97
Aug-18-20 Tabarru' 0.82130 Aug-18-20 5.25995- 4.32- 4.44011 3.65
Aug-18-20 Tabarru' 0.82130 Aug-18-20 4.44417- 3.65- 0.00406- 0.00
Sep-03-20 Renewal Contribution Applicati 0.86689 Sep-02-20 46.14196 40.00 46.13790 40.00
Sep-15-20 Fund Subsidy 0.83128 Sep-15-20 81.15196 67.46 127.28986 105.81
Sep-17-20 Tabarru' 0.83406 Sep-17-20 16.48562- 13.75- 110.80424 92.42
Sep-17-20 Cert Fee 0.83406 Sep-17-20 9.59163- 8.00- 101.21261 84.42
Sep-17-20 Tabarru' 0.83406 Sep-17-20 12.58902- 10.50- 88.62359 73.92
Sep-17-20 Tabarru' 0.83406 Sep-17-20 72.64465- 60.59- 15.97894 13.33
Sep-17-20 TPA Fee 0.83406 Sep-17-20 5.99477- 5.00- 9.98417 8.33
Sep-17-20 Tabarru' 0.83406 Sep-17-20 5.17948- 4.32- 4.80469 4.01
Sep-17-20 Tabarru' 0.83406 Sep-17-20 4.37618- 3.65- 0.42851 0.36
Oct-07-20 Renewal Contribution Applicati 0.85086 Oct-06-20 47.01126 40.00 47.43977 40.36
Oct-15-20 Fund Subsidy 0.87368 Oct-15-20 73.66542 64.36 121.10519 105.81
Oct-16-20 Fund Subsidy 0.87003 Oct-16-20 0.50573 0.44 121.61092 105.81
Oct-16-20 Tabarru' 0.87003 Oct-16-20 15.80405- 13.75- 105.80687 92.06
Oct-16-20 Cert Fee 0.87003 Oct-16-20 9.19508- 8.00- 96.61179 84.06
Oct-16-20 Tabarru' 0.87003 Oct-16-20 12.06854- 10.50- 84.54325 73.56
Oct-16-20 Tabarru' 0.87003 Oct-16-20 69.64127- 60.59- 14.90198 12.97
Oct-16-20 TPA Fee 0.87003 Oct-16-20 5.74692- 5.00- 9.15506 7.97
Oct-16-20 Tabarru' 0.87003 Oct-16-20 4.96534- 4.32- 4.18972 3.65
Oct-16-20 Tabarru' 0.87003 Oct-16-20 4.19525- 3.65- 0.00553- 0.00
Nov-03-20 Renewal Contribution Applicati 0.84298 Nov-02-20 59.31339 50.00 59.30786 50.00
Nov-16-20 Fund Subsidy 0.86823 Nov-16-20 72.06616 62.57 131.37402 114.06
Nov-17-20 Fund Subsidy 0.85685 Nov-17-20 1.73893 1.49 133.11295 114.06
Nov-17-20 Tabarru' 0.85685 Nov-17-20 16.63068- 14.25- 116.48227 99.81
Nov-17-20 Cert Fee 0.85685 Nov-17-20 9.33652- 8.00- 107.14575 91.81
Nov-17-20 Tabarru' 0.85685 Nov-17-20 12.34755- 10.58- 94.79820 81.23
 4-6
Statement of Account for A-LifeLink-i
Statement Period: January 1, 2020 to December 31, 2020

Action Transaction Price Value Current Value of Balance Balance

Date (RM) Date Units Units(RM) Units Value (RM)

Nov-17-20 Tabarru' 0.85685 Nov-17-20 78.57851- 67.33- 16.21969 13.90

Nov-17-20 TPA Fee 0.85685 Nov-17-20 5.83532- 5.00- 10.38437 8.90
Nov-17-20 Tabarru' 0.85685 Nov-17-20 5.54356- 4.75- 4.84081 4.15
Nov-17-20 Tabarru' 0.85685 Nov-17-20 4.84332- 4.15- 0.00251- 0.00
Dec-04-20 Renewal Contribution Applicati 0.87043 Dec-03-20 57.44287 50.00 57.44036 50.00
Dec-15-20 Fund Subsidy 0.84272 Dec-15-20 77.90251 65.65 135.34287 114.06
Dec-16-20 Tabarru' 0.84857 Dec-16-20 16.79295- 14.25- 118.54992 100.60
Dec-16-20 Cert Fee 0.84857 Dec-16-20 9.42762- 8.00- 109.12230 92.60
Dec-16-20 Tabarru' 0.84857 Dec-16-20 12.46803- 10.58- 96.65427 82.02
Dec-16-20 Tabarru' 0.84857 Dec-16-20 79.34525- 67.33- 17.30902 14.69
Dec-16-20 TPA Fee 0.84857 Dec-16-20 5.89226- 5.00- 11.41676 9.69
Dec-16-20 Tabarru' 0.84857 Dec-16-20 5.59765- 4.75- 5.81911 4.94
Dec-16-20 Tabarru' 0.84857 Dec-16-20 4.89058- 4.15- 0.92853 0.79
Dec-31-20 Fund Balance Carried Forward 0.84950 Dec-31-20 0.00000 0.00 0.92853 0.79
Dec-31-20 Fund Cash Surrender Value 0.84950 Dec-31-20 0.00000 0.00 0.92853 0.79

PIF-SA
A-DANA EQUITY

Jan-01-20 Fund Balance Brought Forward 0.68599 Jan-01-20 0.00000 0.00 240.03722 164.66
Jan-15-20 Fund Subsidy 0.68525 Jan-15-20 147.71251- 101.22- 92.32471 63.27
Jan-17-20 Renewal Contribution Applicati 0.68656 Jan-16-20 95.47600 65.55 187.80071 128.94
Feb-04-20 Renewal Contribution Applicati 0.66972 Feb-03-20 97.87672 65.55 285.67743 191.32
Feb-15-20 Fund Subsidy 0.69134 Feb-15-20 28.29288- 19.56- 257.38455 177.94
Feb-18-20 Fund Subsidy 0.69096 Feb-18-20 0.08684- 0.06- 257.29771 177.78
Mar-16-20 Fund Subsidy 0.61419 Mar-16-20 172.27568- 105.81- 85.02203 52.22
Mar-18-20 Renewal Contribution Applicati 0.59043 Mar-17-20 186.64363 110.20 271.66566 160.40
Apr-06-20 Renewal Contribution Applicati 0.61878 Apr-03-20 178.09238 110.20 449.75804 278.30
Apr-15-20 Fund Subsidy 0.63409 Apr-15-20 40.43590- 25.64- 409.32214 259.55
May-05-20 Renewal Contribution Applicati 0.64413 May-04-20 171.08348 110.20 580.40562 373.86
May-15-20 Fund Subsidy 0.66634 May-15-20 94.63637- 63.06- 485.76925 323.69
Jun-03-20 Renewal Contribution Applicati 0.73619 Jun-02-20 149.68962 110.20 635.45887 467.82
Jun-15-20 Fund Subsidy 0.74631 Jun-15-20 86.59940- 64.63- 548.85947 409.62
Jun-16-20 Fund Subsidy 0.72302 Jun-16-20 4.56419- 3.30- 544.29528 393.54
Jul-03-20 Renewal Contribution Applicati 0.75669 Jul-02-20 145.63428 110.20 689.92956 522.06
Jul-15-20 Fund Subsidy 0.81975 Jul-15-20 76.21836- 62.48- 613.71120 503.09
Jul-16-20 Fund Subsidy 0.80925 Jul-16-20 1.66821- 1.35- 612.04299 495.30
Aug-11-20 Renewal Contribution Applicati 0.86288 Aug-10-20 127.71185 110.20 739.75484 638.32
Aug-15-20 Fund Subsidy 0.84335 Aug-15-20 79.11306- 66.72- 660.64178 557.15
Aug-17-20 Fund Subsidy 0.83043 Aug-17-20 1.95080- 1.62- 658.69098 547.00
Aug-18-20 Fund Subsidy 0.82130 Aug-18-20 1.41239- 1.16- 657.27859 539.82
Sep-03-20 Renewal Contribution Applicati 0.86689 Sep-02-20 127.12109 110.20 784.39968 679.99
Sep-15-20 Fund Subsidy 0.83128 Sep-15-20 81.15196- 67.46- 703.24772 584.60
Oct-07-20 Renewal Contribution Applicati 0.85086 Oct-06-20 129.51602 110.20 832.76374 708.57
Oct-15-20 Fund Subsidy 0.87368 Oct-15-20 73.66542- 64.36- 759.09832 663.21
Oct-16-20 Fund Subsidy 0.87003 Oct-16-20 0.50573- 0.44- 758.59259 660.00
Nov-03-20 Renewal Contribution Applicati 0.84298 Nov-02-20 130.72671 110.20 889.31930 749.68
Nov-16-20 Fund Subsidy 0.86823 Nov-16-20 72.06616- 62.57- 817.25314 709.56
Nov-17-20 Fund Subsidy 0.85685 Nov-17-20 1.73893- 1.49- 815.51421 698.77
Dec-04-20 Renewal Contribution Applicati 0.87043 Dec-03-20 126.60409 110.20 942.11830 820.05
Dec-15-20 Fund Subsidy 0.84272 Dec-15-20 77.90251- 65.65- 864.21579 728.29
Dec-31-20 Fund Balance Carried Forward 0.84950 Dec-31-20 0.00000 0.00 864.21579 734.15
Dec-31-20 Fund Cash Surrender Value 0.84950 Dec-31-20 0.00000 0.00 864.21579 734.15

Note:
1. Fund Cash Surrender Value shown above is subject to the Surrender Charge, if any.
2. The actual Fund Cash Surrender Value upon surrender and the actual Account Value payable for the death benefit are
subject to the terms and conditions in the Certificate.
3. Monthly Certificate Charge consists of Monthly Service Charge (if applicable), Medical Service Charge (if applicable),
Tabarru’, Certificate Fee (if applicable) and Government Tax (if applicable).
4. Value in the PIF is not guaranteed and depends on the investment performance of the fund(s).
5. If the total charges during the year exceed the Account Value, the number and value of the units in PIF will be zero (0). In
the event the PIF balance is insufficient to cover for all the Certificate charges, the Certificate may lapse. To avoid this, you
may increase your regular contribution or pay an ad hoc top up contribution.
 AIA PUBLIC Takaful Bhd. (935955-M)
99 Jalan Ampang
50450 Kuala Lumpur
Customer Contact: 1300 88 8922
F: (603) 2056 3690
AIA.COM.MY
5-6

Update on Certificate Sustainability

As your preferred protection partner, we are committed to look after your long-term protection needs. Therefore, we are taking steps to update
you on the sustainability of your certificate.

Certificate sustainability is the ability of your investment-linked certificate to continue providing takaful coverage until the end of the coverage
term. This means that your certificate should have sufficient account value to be deducted to pay for the Tabarru’ and certificate charges.

Please refer to the details below on the sustainability information of your certificate:
SUSTAINABILITY INFORMATION AS AT 31/12/2020
Current Modal Contribution (including Government Tax if any) RM 216.00
Certificate Maturity or Expiry Date 15/11/2087
Estimated Sustainability Date 15/06/2045
Estimated Sustainability Age 57 Years old

We wish to inform you that your certificate will lapse earlier than expected. The sustainability of your certificate could be caused by one or a
combination of several reasons below:
l You have exercised contribution holidays, i.e. you have stopped making payments when contribution is/are due;
l You have made partial withdrawals;
l Lower than expected investment returns on your investment-linked funds;
l You have increased your takaful coverage at a certain point, however the contribution remains the same;
l There has been a revision to the takaful charges for your certificate, of which you would have been notified by the Company before any
revisions were made. You continued to pay the same contribution amount after the revision.

As it is important to ensure that you are adequately covered especially in times of need, we highly encourage you to consider taking one of the
options recommended below before your next contribution payment due date. This will help increase your certificate’s value over time which will
ensure a longer coverage period.

Option 1: You may choose to extend your takaful coverage term by increasing your contribution amount via a Scheduled Top-Up / Saver-i in
addition to your current contribution based on the sustainability options below:
OPTIONAL CONTRIBUTION INFORMATION
Till age 70 Till age 80 Till end of contractual term
(age 100)
Estimated Additional Scheduled Top Up / Saver-i to RM 90.00 RM 160.00 RM 290.00
Sustain Certificate per Monthly
Government Tax for Additional Scheduled Top Up / RM 0.00 RM 0.00 RM 0.00
Saver-i
Total New Modal Contribution RM 306.00 RM 376.00 RM 506.00
(including Government Tax if any)
Note: 95% of your Scheduled Top-Up/ Saver-i will be allocated to purchase units in the investment-linked fund that you have selected. Any
unallocated amount will be used to pay commissions (3.75%) and other expenses (1.25%).

Option 2: You may choose to extend your takaful coverage term by performing a one-off top-up:
AD HOC TOP UP INFORMATION
Till age 70 Till age 80 Till end of contractual term
(age 100)
Estimated Ad Hoc Top Up to Sustain Certificate RM 13,209.00 RM 24,900.00 RM 48,677.00
Government Tax for Ad Hoc Top Up RM 0.00 RM 0.00 RM 0.00
Total Ad Hoc Top Up RM 13,209.00 RM 24,900.00 RM 48,677.00
(including Government Tax if any)
Note: 95% of your Ad Hoc Top Up/ Saver-i will be allocated to purchase units in the investment-linked fund that you have selected. Any
unallocated amount will be used to pay commissions (3.75%) and other expenses (1.25%).

Option 3: You may consider reducing your sum covered and/or removing the unit-deducting rider(s) to continue your coverage. A thorough
review with your Life Planner will help you to better understand the coverage you have now, ensuring the coverage is in line with your current
protection and financial needs.

The advised outcome of the above options may differ from the actual experience as our estimation assumes that:
l you will continue to pay your current contributions by its due date (if applicable), and you will not make any partial / early withdrawal in the
future;
l no changes have been made to your certificate (e.g. addition or removal of rider(s) and/or changes to the sum covered) - if applicable;
l the fund value to be growing at our best estimate assumption (8.40%). This does not reflect the potential volatility over the short term
resulting in potential sharp movements, up or down, of the underlying assets of the funds. The actual return may be lower than the
illustrated rates or may even be negative. Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the
assets the fund invests in. Changes in fund selection will impact the level and volatility in investment performance.
l
the certificate charges will be deducted from your certificate’s Savings Account (PIF-SA) when the Account Value in the Certificate's
Protection Account (PIF-PA) is insufficient to pay the certificate charges (this assumption may differ from the chosen cross-subsidy option).

If you wish to explore either one of these options, including reviewing your current contribution amount, or if you require any further clarification or
 AIA PUBLIC Takaful Bhd. (935955-M)
99 Jalan Ampang
50450 Kuala Lumpur
Customer Contact: 1300 88 8922
F: (603) 2056 3690
AIA.COM.MY
6-6
assistance, please contact your Life Planner. Alternatively, you may also call our Customer Contact at 1300 88 8922, e-mail us at
my.customer@aiapublic.com.my or visit any of our Customer Centre nearest to you.

55, (KL IMTIYAZ DIRGAHAYU) (MUHAMMAD BIN ROSLI)/06987/3925Q