PRUDENTIAL BSN TAKAFUL BERHAD INVESTMENT-LINKED PLAN ILLUSTRATION

Quotation For PruBSN TakafulLink ALI BIN ABU (NAMA SEKADAR CONTOH)

Agent Date

: YUSOF xxx-xxx-xxx : 16/9/2013

Details Name

Person to be Covered : ALI BIN ABU (NAMA SEKADAR CONTOH) : Male : No : Class 1 : 16/09/1984

Gender Smoking status Occupation class Date of birth

Age next birthday

: 30

Basic sum covered Contribution Payment frequency Payment method Tentative maturity date Plan type Charges

: RM 80,000 : RM 200.00 : Monthly : Auto Debit : 01/10/2063 : Regular Contribution Investment-Linked Takaful : Wakalah Charge Service Charge Asset Management Charge

Fund(s) invested1

: 100% of TDE

(See Definition in Appendix for the description of the charges) Details Of Plan Name of Plan Protection Unit Account (PUA): Basic benefit: PruBSN TakafulLink Additional benefit(s): Crisis Shield Crisis Cover Plus Compassionate Benefit Basic Enhancer Accidental Death and Disablement Accidental Medical Reimbursement Weekly Indemnity Takaful Health2 Hospital Benefit TH Auto Upgrade Contributor Takaful Saver Contributor Term (years) for 50 year(s) for 50 year(s) for 50 year(s) for 50 year(s) for 50 year(s) for 40 year(s) for 40 year(s) for 40 year(s) for 40 year(s) for 40 year(s) for 40 year(s) for 50 year(s) for 50 year(s) Sum Covered (RM) 80,000 30,000 10,000 2,000 1 Unit(s) 20,000 2,000 1 TH2 Plan 200 Deductible: 10,000 4 THAU 2,160 240 Unit(s) Unit(s) p.a. p.a. Contribution (RM) 44.00 11.00 14.00 2.00 6.00 3.00 3.00 4.00 41.00 21.00 15.00 14.00 2.00 180.00 20.00 20.00 200.00

Total Protection Unit Account Contribution (A) Investment Unit Account (IUA): Takaful Saver for 50 year(s) 240 p.a. Total Investment Unit Account Contribution (B) Total Monthly Contribution (A+B) Note(s): TDU - Takafulink Dana Urus TDB - Takafulink Dana Bon TDE - Takafulink Dana Ekuiti TDED - Takafulink Dana Ekuiti Dinasti

Presented by : Date : Version :

YUSOF xxx-xxx-xxx 16/9/2013 SQS - Agency ver 2.3.0.7 a

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IMPORTANT : THIS IS A TAKAFUL PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IT IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS 1. You should read this illustration together with the Fund Fact Sheet(s ) of the investment fund(s) which you have chosen. The Fund Fact Sheet(s ) contains all the important information that you will need to know regarding the investment fund(s). 2. For more information about the benefits of the basic plan and its additional benefits, please refer to the Appendix at the end of this plan illustration. 3. Since only between 40.00% and 70.00% of your annual contribution is allocated to buy units for the first four certificate years, while 95% top-up and Takaful Saver are used to purchase units, you can maximise your investment value by minimising annual contribution and maximising top-up and Takaful Saver rider contribution. - Minimum annual contribution required for PruBSN TakafulLink: RM 1,200. - Minimum top-ups allowed: RM 500. 4. Therefore, if your certificate involves a contribution of sizeable amount say RM5,000 and above, you should consider participating in single contribution investment-linked certificate rather than a regular contribution certificate as single contribution plans offer better allocation rates for investment. 5. Your investment-linked certificate will lapse if there are insufficient units in your fund to pay the required charges. Your units could be insufficient over the years due to: - high Tabarru' if you participate in a lot of riders, and especially if the charges are increased over time as you get older. - poor investment returns. - unpaid contributions - if you stop paying contributions for a long period of time. 6. The choice of funds selected should be based on, among others, your tolerance to risk. Please seek advice from your agent or PruBSN on your tolerance to risk. WARNING YOUR TABARRU' WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED FUND VALUE IS NOT ENOUGH TO PAY FOR YOUR TABARRU' DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN YOUR CERTIFICATE BEING LAPSED. YOU MAY NEED TO INCREASE YOUR CONTRIBUTIONS OR REDUCE THE LEVEL OF TAKAFUL PROTECTION, IF YOU WANT TO MAINTAIN YOUR CERTIFICATE. 2
2

You should request your agent to explain the Tabarru' to you and its effect on your future takaful coverage.

Presented by : Date : Version :

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Quotation For PruBSN TakafulLink ALI BIN ABU (NAMA SEKADAR CONTOH) SUMMARY ILLUSTRATION This summary illustration is intended to show the movements of possible cash flows for the investment and the impact of charges on cash values based on illustration below. The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen investment fund(s). They are not guaranteed and not based on past performance. Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund invest in. The actual returns may even be below the projected rates or negative. All contributions and benefit amounts are stated in monetary value. The below illustration assumes cross support between PUA and IUA. Non-Guaranteed Unallocated Critical Contribution Illness Allocated Charge Contribution Cumulative Total Sum 3 Contribution (Up Front Contribution Tabarru' Paid Covered (RM) (RM) Wakalah (RM) (RM) (RM) Charge) 4 (RM) Other Charges (Service Charge) (RM) Projected Investment Return: (X% p.a) Asset Management Charge (RM) 5 15 27 43 63 84 109 137 165 193 221 248 273 300 324 347 370 390 409 428 Projected Investment Return: (Y% p.a)

End of Certificate Year

Age

Death Sum Covered (RM)

Cash Value (RM)

Total Death Benefit (RM)

Direct Distribution Asset Cost 5 ManageTotal Death (RM) Cash Value ment Benefit (RM) Charge (RM) (RM) 5 16 29 47 72 98 130 167 206 248 293 339 387 440 493 548 607 667 730 797 703 1,440 2,346 3,749 5,435 7,206 9,518 11,967 14,556 17,294 20,303 23,299 26,441 29,867 33,326 36,936 40,809 44,727 48,807 53,154 92,703 93,440 94,346 95,749 97,435 104,206 106,518 108,967 116,556 119,294 122,303 130,299 133,441 136,867 145,326 148,936 152,809 156,727 160,807 165,154 873 873 549 549 333 333 9 9 9 9 9 9 9 9 9 9 9 9 9 9

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

30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49

92,000 92,000 92,000 92,000 92,000 97,000 97,000 97,000 102,000 102,000 102,000 107,000 107,000 107,000 112,000 112,000 112,000 112,000 112,000 112,000

40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000

2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400

2,400 4,800 7,200 9,600 12,000 14,400 16,800 19,200 21,600 24,000 26,400 28,800 31,200 33,600 36,000 38,400 40,800 43,200 45,600 48,000

1,308 1,308 1,092 660 444 444 12 12 12 12 12 12 12 12 12 12 12 12 12 12

1,092 1,092 1,308 1,740 1,956 1,956 2,388 2,388 2,388 2,388 2,388 2,388 2,388 2,388 2,388 2,388 2,388 2,388 2,388 2,388

499 509 610 619 652 821 845 859 880 901 1,022 1,114 1,166 1,202 1,278 1,352 1,440 1,532 1,625 1,740

60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60

684 1,359 2,152 3,370 4,775 6,164 7,964 9,756 11,532 13,290 15,141 16,795 18,403 20,087 21,591 23,024 24,482 25,742 26,913 28,081

92,684 93,359 94,152 95,370 96,775 103,164 104,964 106,756 113,532 115,290 117,141 123,795 125,403 127,087 133,591 135,024 136,482 137,742 138,913 140,081

This represents the sum covered for Crisis Shield and Crisis Cover Plus, whichever applicable. If the benefit payable for Crisis Shield, upon claim of critical illness is less than the death sum covered, the plan will be continued with the excess of the death sum covered with the payment of contributions. This represents a charge to your contribution and is used to meet the direct distribution cost and Prudential BSN Takaful Berhad (PruBSN) expenses. Cost directly attributable to the distribution channel for the marketing of this certificate, i.e. payments to agent. This cost is paid from the charges that are imposed on your certificate for services that agent will provide to you for the duration of your certificate.

Presented by : Date : Version :

YUSOF xxx-xxx-xxx 16/9/2013 SQS - Agency ver 2.3.0.7 a

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Quotation For PruBSN TakafulLink ALI BIN ABU (NAMA SEKADAR CONTOH) SUMMARY ILLUSTRATION Non-Guaranteed Projected Investment Return: Projected Investment Return: (X% p.a) (Y% p.a) Asset Management Charge (RM) 444 457 469 478 484 489 490 488 484 475 Asset ManageCash Value Total Death ment Benefit (RM) Charge (RM) (RM) 852 897 944 988 1,031 1,075 1,117 1,156 1,196 1,233 56,084 58,945 61,902 64,718 67,476 70,263 72,864 75,371 77,881 80,134 168,084 170,945 173,902 176,718 179,476 182,263 184,864 187,371 189,881 192,134 Direct Distribution Cost 5 (RM)

End of Certificate Year

Age

Death Sum Covered (RM)

Unallocated Critical Contribution Allocated Illness Contribution Cumulative Charge Total Sum 3 Paid Contribution (Up Front Contribution Tabarru' (RM) Covered (RM) (RM) Wakalah (RM) (RM) Charge)4 (RM)

Other Charges (Service Charge) (RM)

Cash Value Total Death Benefit (RM) (RM)

21 22 23 24 25 26 27 28 29 30
3

50 51 52 53 54 55 56 57 58 59

112,000 112,000 112,000 112,000 112,000 112,000 112,000 112,000 112,000 112,000

40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000 40,000

2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400 2,400

50,400 52,800 55,200 57,600 60,000 62,400 64,800 67,200 69,600 72,000

12 12 12 12 12 12 12 12 12 12

2,388 2,388 2,388 2,388 2,388 2,388 2,388 2,388 2,388 2,388

1,873 2,051 2,176 2,318 2,482 2,667 2,846 3,037 3,239 3,477

60 60 60 60 60 60 60 60 60 60

29,010 29,764 30,501 30,992 31,318 31,568 31,532 31,305 30,983 30,313

141,010 141,764 142,501 142,992 143,318 143,568 143,532 143,305 142,983 142,313

9 9 9 9 9 9 9 9 9 9

This represents the sum covered for Crisis Shield and Crisis Cover Plus, whichever applicable. If the benefit payable for Crisis Shield, upon claim of critical illness is less than the death sum covered, the plan will be continued with the excess of the death sum covered with the payment of contributions. This represents a charge to your contribution and is used to meet the direct distribution cost and Prudential BSN Takaful Berhad (PruBSN) expenses. Cost directly attributable to the distribution channel for the marketing of this certificate, i.e. payments to agent. This cost is paid from the charges that are imposed on your certificate for services that agent will provide to you for the duration of your certificate.

4 5

Presented by : Date : Version :

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Quotation For PruBSN TakafulLink ALI BIN ABU (NAMA SEKADAR CONTOH)

Summary Illustration Definition NOTES: 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 and distribution affect these benefits. You should satisfy yourself that the plan serves your needs and that you can afford the contribution. You should ensure that the allocation of your takaful contribution towards protection and investment meets your financial circumstances. If you need clarification, please contact your agent. Participating in a regular contribution family takaful certificate is a long-term commitment. It is not advisable to hold this certificate for a short period of time in view of the high initial costs. Should you stop making regular contributions, the plan may continue for as long as there are sufficient units in the account. The Tabarru ' deduction for the basic plan, asset management charges and service charges for the respective accounts will continue to be deducted through cancellation of units. Tabarru ' deduction for additional benefits will also continue to be deducted, subject to consent given by you as provided in the proposal form. In this plan illustration, Age refers to Age next birthday. The information set out below explains the individual items in the marketing illustration table. 1. Death Sum Covered This is the minimum amount to be received on death or when you become disabled. The benefit is only applicable as long as the certificate is in force. You have the ability to increase your sum covered without increasing your regular contribution with minimum RM 10,000 per increment as long as you have enough excess of contribution in your PUA. This option is subject to underwriting. The Sum Covered Multiple (SCM) for this plan is 129. 2. Critical Illness Sum Covered This is the amount that will be payable upon diagnosis of a critical illness. The benefit is only applicable as long as the certificate is in force. 3. Contribution Paid and Cumulative Contribution Contribution Paid is the amount that you (the participant) pay for this certificate for the particular certificate year. Take note that not all of the amount paid will be invested into the investment fund(s) you selected. See explanation on unallocated and allocated contribution below. Cumulative Contribution is the total amount that you (the participant) pay for this certificate up to the end of respective certificate year. 4. Allocated Contribution and Unallocated Contribution Charge (Up Front Wakalah Charge) The allocated contribution will be used to purchase units in the investment fund(s). The unallocated contribution charge is an upfront wakalah charge on the contribution paid and is used to meet PruBSN's expenses and direct distribution cost, including the commissions payable to agent. Agent may also be entitled to production and persistency bonus during the first three years of the certificate provided that the agent meets the qualifying criteria set by PruBSN. The allocated contribution and wakalah charge for this investment-linked certificate (including Takaful Saver if applicable ) are as follows (as a % of contributions): The wakalah charge for this investment-linked certificate might be different from which illustrated in the brochure, if loading(s) applies. Certificate Year PUA Contribution (RM) % Allocated Contribution RM % Unallocated Contribution RM IUA Contribution (RM) % Allocated Contribution RM % Unallocated Contribution RM 1 2,160.00 40.00 864.00 60.00 1,296.00 240.00 95.00 228.00 5.00 12.00 2 2,160.00 40.00 864.00 60.00 1,296.00 240.00 95.00 228.00 5.00 12.00 3 2,160.00 50.00 1,080.00 50.00 1,080.00 240.00 95.00 228.00 5.00 12.00 4 2,160.00 70.00 1,512.00 30.00 648.00 240.00 95.00 228.00 5.00 12.00 5 2,160.00 80.00 1,728.00 20.00 432.00 240.00 95.00 228.00 5.00 12.00 6 2,160.00 80.00 1,728.00 20.00 432.00 240.00 95.00 228.00 5.00 12.00 7 & Above 2,160.00 100.00 2,160.00 0.00 0.00 240.00 95.00 228.00 5.00 12.00

5. Total Tabarru' and Other Charges (Service Charge) The amount to be channeled into your investment fund(s) will be less the Tabarru' deduction and other charges. The illustrated Tabarru ' and other charges are based on current levels. These are not guaranteed and may be varied from time to time by giving 90 calendar days written notice to participants. Tabarru' are deducted monthly from the value of your units to pay for your takaful coverage. The Tabarru ' for takaful coverage varies by age next birthday, gender, smoking status, occupation class, medical rating and sum covered. The Tabarru ' will increase as you grow older. Please refer to Illustration of Tabarru' and Other Charges Table for the Tabarru' breakdown. Other Charges include service charge. 6. Projected Investment Return X assumes 2.00% weighted gross growth in the PUA and IUA. Y assumes 9.00% weighted gross growth in the PUA and IUA for the first 20 years, while 6.00% beyond 20th year. The returns of X% and Y% have been used respectively to represent the range of possible weighted returns on the funds selected. Please refer to the Fund Fact Sheet(s ) for the past actual annual investment returns. The Fund Fact Sheet can be downloaded from our website at www.prubsn.com.my. 7. Asset Management Charge This refers to the annual management charge as a percentage of investment fund deducted to cover the cost of managing the investment Page 5 of 20 fund.

Quotation For PruBSN TakafulLink ALI BIN ABU (NAMA SEKADAR CONTOH)

8. Cash Value This is the projected value of units at any particular point in time that you may receive if you surrender the certificate and is net of tax and all applicable charges. If the certificate is terminated early, you may get less than the amount of contributions paid. This amount comprises of the cash value of the PUA and IUA. Please refer to Illustration of Projected Benefits Table for the breakdown. 9. Total Death Benefit This is the amount that will be payable on your death. The Total Death Benefit consist of the Death Sum Covered and the Cash Value, if any. If the death is due to suicide within the first certificate year, no takaful coverage will be payable, but the remaining value in PUA and IUA will be payable. 10. Direct Distribution Cost This is the commissions payable to agent comprises of basic commissions, production and persistency bonus. It is inclusive of Takaful Saver commissions (if any). If you decide to stop the Takaful Saver contribution, the Takaful Saver commission deduction will stop unless you continue to pay for the Takaful Saver contributon.

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Quotation For PruBSN TakafulLink ALI BIN ABU (NAMA SEKADAR CONTOH)

Illustration of Projected Benefits Non-Guaranteed Projected Investment Return X% p.a End of Certificate Age Year Protection Unit Account (RM) Project Investment Return Y% p.a Investment Unit Account (RM) No Claim Projected Cash Bonus Value Credited 150 150 150 150 150 300 300 300 300 300 400 400 400 400 400 400 400 400 400 400 400 400 400 400 400 400 400 400 400 400 386 797 1,236 1,703 2,202 2,883 3,609 4,383 5,208 6,087 7,240 8,353 9,541 10,921 12,278 13,724 15,381 17,032 18,792 20,784 22,224 23,719 25,385 27,004 28,686 30,545 32,364 34,254 36,329 38,373

Investment Unit Protection Unit Account (RM) Account (RM) No Claim Projected Cash Projected Cash Loyalty Bonus Projected Cash Loyalty Bonus Bonus Value Value Credited Credited Value Credited 306 602 1,015 1,852 2,874 3,730 4,996 6,252 7,491 8,711 9,814 10,826 11,790 12,721 13,578 14,362 15,061 15,669 16,185 16,589 16,860 16,954 16,922 16,749 16,410 15,885 15,180 14,282 13,179 11,835 0 0 0 0 0 0 0 0 0 0 108 0 0 108 0 0 108 0 0 108 0 0 108 0 0 108 0 0 108 0 150 150 150 150 150 300 300 300 300 300 400 400 400 400 400 400 400 400 400 400 400 400 400 400 400 400 400 400 400 400 378 757 1,137 1,518 1,901 2,434 2,968 3,504 4,041 4,579 5,327 5,969 6,613 7,366 8,013 8,662 9,421 10,073 10,728 11,492 12,150 12,810 13,579 14,243 14,908 15,683 16,352 17,023 17,804 18,478 317 643 1,110 2,046 3,233 4,323 5,909 7,584 9,348 11,207 13,063 14,946 16,900 18,946 21,048 23,212 25,428 27,695 30,015 32,370 33,860 35,226 36,517 37,714 38,790 39,718 40,500 41,117 41,552 41,761 0 0 0 0 0 0 0 0 0 0 108 0 0 108 0 0 108 0 0 108 0 0 108 0 0 108 0 0 108 0

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Notes:

30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59

The info set out below explains the individual items in the sales illustration table. With the assumption that the contributions are paid in full and timely manner, the above illustration assumes cross support between PUA and IUA. The Participant will receive at least 50% of the surplus (if any), inclusive of investment profit, arising from Tabarru' at the end of each financial year and such amount will be credited into PUA. PruBSN will take up to 50% of the distributable surplus (if any) as the incentive for managing the Tabarru' fund. However, for projection purposes, the surplus will not be illustrated. The projected illustrations above are net after deduction of tax, asset management charge and Tabarru', where applicable.

1. Projected Investment Return Please refer to item 6 in Summary Illustration definition. 2. Protection Unit Account Please refer to definition of Protection Unit Account (PUA) in Appendix. 2.1. Projected Cash Value Projected cash value in Protection Unit Account. 3. Investment Unit Account Please refer to definition of Investment Unit Account (IUA) in Appendix. 3.1. Loyalty Bonus Credited PruBSN shall credit 5% of annualised contribution (excluding contributions for top-ups and Takaful Saver contribution) into units in IUA upon completion of 10th certificate year and every 3-years thereafter if you consistently pay your contribution on a timely manner, subject to terms and condition stipulated in your certificate document. You have grace period of 30 days every month to ensure the contribution is paid on time. Page 7 of 20

Quotation For PruBSN TakafulLink ALI BIN ABU (NAMA SEKADAR CONTOH)

3.2. No Claim Bonus Credited (if Takaful Health2 is attached, other than Zero deductible option) The projected cash value assumes no medical claims are made from Takaful Health2. Note that if you make claim from Takaful Health2, the projected cash value will be lower than illustrated. 3.3. Projected Cash Value Projected cash value in Investment Unit Account. This value include Loyalty Bonus and No Claim Bonus.

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Quotation For PruBSN TakafulLink ALI BIN ABU (NAMA SEKADAR CONTOH)

Illustration of Tabarru' and Other Charges Table Allocated Contribution End of Certificate Year Death Benefit Tabarru' (RM) 130 130 131 132 132 139 140 141 149 151 155 182 204 229 270 307 345 391 441 495 558 628 703 787 875 975 1,085 1,209 1,344 1,494 Tabarru' Deduction Medical Benefit Tabarru' (RM) 288 293 354 358 361 518 529 535 540 548 652 695 707 698 712 726 753 772 786 817 849 936 962 982 1,027 1,074 1,122 1,162 1,188 1,242 Other Additional Benefits Tabarru' (RM) 81 86 124 129 159 164 175 183 191 202 215 238 255 274 296 319 343 369 398 428 465 487 512 549 581 618 639 666 706 740 Annual Charges

Age

Protection Investment Unit Account Unit Account (RM) (RM) 864 864 1,080 1,512 1,728 1,728 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 2,160 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228

Service Charge (RM) 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60 60

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Notes:

30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59

The information set out below forms part of the Plan Illustration. 1. Allocated Contribution Please refer to item 4 in Summary Illustration definition. 1.1. Protection Unit Account Please refer to definition of Protection Unit Account (PUA) in Appendix. 1.2. Investment Unit Account Please refer to definition of Investment Unit Account (IUA) in Appendix. 2. Tabarru' Deduction Please refer to item 5 in Summary Illustration definition. 2.1. Death Benefit Tabarru' This column consists of the Tabarru' deduction for basic death benefit, Basic Enhancer benefit, Crisis Cover Plus benefit and Compassionate Benefit, whichever applicable. 2.2. Medical Benefit Tabarru' This column consists of Tabarru' deduction for Takaful Health2, Medic Essential, Medical Cover, Hospital Benefit, TH Retirement, TH Annual Limit Waiver, TH Auto Upgrade, and TH Overseas , whichever applicable. 2.3. Other Additional Benefits Tabarru' This column consists of Tabarru' deduction for Additional Benefits excluding Death Benefits and Medical Benefits. 3. Annual Charge Please refer to item 5 in Summary Illustration definition. 3.1. Service Charge Please refer to definition of Service Charge in Appendix. Page 9 of 20

Quotation For PruBSN TakafulLink ALI BIN ABU (NAMA SEKADAR CONTOH) Appendix

Definitions 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. Protection Unit Account (PUA) The account where units are allocated, depending on the amount of contribution paid for basic and/or additional benefit and surplus arising. Investment Unit Account (IUA) The account where the amount from the Takaful Saver contribution will be used to purchase units for investment purpose and non-forfeiture option. Surplus The surplus arising from the Tabarru' fund, inclusive of investment profit after claims payable. The surplus, if any, is calculated and distributed between the Participant and PruBSN in the stated proportion. 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 It is the pool of funds for the purpose of solidarity and cooperation among the participants that is used to help all participants in times of misfortune. Wakalah Charge Any charges that the Participant pays to PruBSN for the services rendered. These charges consist of commission and distribution related charge, asset management charge and service charge. Commission and Distribution Related Charge Comprises of the agent's commission and distribution related expenses. Asset Management Charge Comprises of the investment management expenses for the PUA and IUA. Service Charge Comprises of the certificate servicing expenses that is debited from the PUA. Grace Period You are given a grace period of 30 days from the contribution due date for each subsequent contribution payment. Free Look Period You are required to study the plan illustration and pay particular attention to the benefits which are guaranteed and benefits which are not guaranteed. If there are discrepancies between the plan illustration and the certificate documents, you may cancel the certificate within 15 calendar days from the delivery date of the certificate documents.

Presented by : Date : Version :

YUSOF xxx-xxx-xxx 16/9/2013 SQS - Agency ver 2.3.0.7 a

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Quotation For PruBSN TakafulLink ALI BIN ABU (NAMA SEKADAR CONTOH)

Appendix Benefits - In the event of death, the value of units in the PUA and the value of units in the IUA will be payable. In addition, the basic sum covered from the Tabarru fund will also be payable. The value of units will be based on the unit price at the next valuation date following the official notification date. - In the event of total and permanent disability before age 70, the basic sum covered is payable. This is paid in lieu of basic sum covered. The units remain in the PUA. - The maximum benefit payable for total and permanent disability is RM4 million per life. If basic sum covered is more than RM4 million, the excess of basic sum covered can be continued for death benefit with payment of contributions. Riders (without disability plus) can be continued with payment of contributions. - In the event of surrender, the surrender value of the certificate is payable. The value of the units will be based on the unit price at the next valuation date following the notification of surrender. The participant will be able to withdraw the notification before the closing valuation time. 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. - This bonus pays 5% of your yearly PUA contributions upon completion of the 10th certificate year and every 3 years after that. - You are only entitled to the loyalty bonus if you pay all the contributions due for each prevailing certificate year before the next certificate anniversary. - There will be no pro-rated amount of loyalty bonus payable upon death or maturity. Options Non-forfeiture option: - The payment of contributions may be stopped but the basic benefits above continue as long as there are units in the plan for Tabarru ' deduction and other charges for the basic plan. The Tabarru' deduction for additional benefits will also continue to be deducted, subject to your consent. Lapse and Revival: - The certificate will lapse if there is insufficient units in PUA and IUA (if any) to pay for the Tabarru ' deduction and other charges for the basic plan and additional benefits. - Upon non-payment of contribution, additional benefits (if any) will also lapse if the there is no consent given to deduct the Tabarru ' deduction for additional benefits although there are sufficient units in the PUA. - If all or any part of the benefits lapse, you may apply to revive them subject to the terms and conditions set by us. Fund switching: - If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch funds. You are allowed 4 switches per year without any charge. Any subsequent switches within the year, you will be charged a processing fee of 1% subject to maximum of RM50 per switching application. Units can be switched between Takafulink funds at any time. Contribution re-direction: - You may revise the proportion of your regular contribution (in multiple of 5%) you want to invest and may also revise your choice of Takafulink fund. 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 additional one-off top-up charge 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. Partial Withdrawals: - You can make partial withdrawals from PUA, either in terms of number of units or fixed monetary amount (where units will be cancelled accordingly based on the unit price at the next valuation date). The minimum withdrawal amount is RM1,000 per transaction with remaining balance of RM1,000 after withdrawal. - Partial withdrawal is allowed for IUA. The minimum withdrawal amount is RM500 per transaction. Complete withdrawal is allowed but strongly discouraged. Option to vary sum covered - You may increase the sum covered without increasing the regular contribution with minimum RM10,000 per increment as long as you have enough excess of contribution in your PUA, subject to underwriting. You may also reduce your sum covered without any change in contribution subject to minimum sum covered of RM10,000.

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Appendix Tabarru' amount and wakalah charges - Tabarru ' amount, which is based on age next birthday, gender, smoking status, occupational class, medical rating and the sum covered, is levied monthly. - Service charge of RM6 for contribution paid by cash/cheque or RM5 for other payment methods are levied monthly. - Asset management charge will be deducted on a daily basis and is reflected in the unit price. - Tabarru ' amount and wakalah charges above may be varied from time to time by giving 90 calendar days written notice to the participants. Total and Permanent Disability - For disability below age 16, total and permanent disability means that the child must need constant care and attention and is confined by reason of accident or sickness to his/her home under medical supervision or in a hospital or similar institution. The disability must be permanent and must last for at least 180 consecutive days. - For disability between age 16 and 60 years old, total and permanent disability means the complete inability to engage in any occupation and to perform any work for remuneration or profit. The disability must be permanent and must last for at least 180 consecutive days. - For disability above 60 years old, total and permanent disability means that she/he is unable to perform at least 3 of the activities of daily living either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons. The disability must be permanent and must last for at least 180 consecutive days. - In addition of the above definitions, the following disabilities will also be regarded as total and permanent disability regardless of disability age: (a) Total and irrecoverable loss of sight of both eyes. (b) Loss by severance of 2 limbs at or above the wrist or ankle. (c) Loss of sight of one eye and one limb at or above the 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 including Angioplasty and other invasive treatments for 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

Claims Submission: - If you need to make a claim, you must send us a written notice to the following address. For accidental claims, it should be within 30 calendar days while for other claim within 60 calendar days from the event date: Prudential BSN Takaful Berhad Level 8A, Menara Prudential, No. 10, Jalan Sultan Ismail, 50250 Kuala Lumpur. - Once we have received the notice, we will let you know what documents we need so that we can process your claim. Notes: - The contributions and Tabarru' of PruBSN TakafulLink and additional benefits may be varied by PruBSN from time to time by giving 90 calendar days written notice to participants. - PruBSN TakafulLink is a Shariah-compliant product.

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Brief Description Of The Plan Additional Benefits

Appendix

Crisis Shield pays the sum covered upon diagnosis of a critical illness. This is paid in lieu of the basic plan sum covered. Units remain in the plan. If the sum covered of Crisis Shield paid is less than that of basic plan sum covered, the excess sum covered of the basic plan can be continued with the payment of contributions. Crisis Cover Plus pays the sum covered in the event of total permanent disability before age 70, death or diagnosed with a critical illness before selected expiry age. This is paid on top of the basic plan sum covered. Compassionate Benefit will be paid on death of Covered Person. This benefit will be payable within 3 working days if the nominee or immediate family member present full requirement to PruBSN. Basic Enhancer will increase the initial basic sum covered on 5th, 8th, 11th and 14th rider benefit anniversary with a fixed amount according to the unit selected. Accidental Death and Disablement pays - the compassionate allowance of RM2,000 per life on death due to natural and accidental causes. - the sum covered on death or total and permanent disability due to accident. - a percentage of the sum covered on disablement (based on scale of benefits) due to accident. Accidental Medical Reimbursement reimburses the actual expenses incurred for medical treatment up to the sum covered within 104 weeks from date of accident. Weekly Indemnity pays a weekly benefit in the event of temporary disability due to accidental causes. One unit of Weekly Indemnity pays RM 100 per week for temporary total disability and RM 50 per week for temporary partial disability, subject to a combined total of 104 weeks. Takaful Health2 pays the benefits according to the plan selected below in the event of hospitalisation or out-patient treatment due to illness or injury before selected expiry age. Plan Hospital and Surgical Benefits* Hospital Daily Room & Board Benefit (120 days per year) Intensive Care Unit (30 days per year) Surgical Benefit In-hospital & Related Service Benefit Outpatient Treatment Benefits** Pre-hospitalisation Treatment Benefit (within 30 days before hospitalisation) Post-hospitalisation Treatment Benefit (within 90 days after hospital discharge) Home Nursing Care Benefit (up to 180 days per lifetime) Day Surgery Benefit Cancer Treatment Benefit Kidney Dialysis Treatment Benefit Emergency Treatment for Accidental Injury Benefit (Annual Limit) Overall Annual Limit Lifetime Limit Emergency Medical Assistance Deductible * For hospital and surgical benefits (except hospital daily room and board benefit ), the participant need to pay the first RM 10,000 for any one disability. ** For out-patient treatment benefits, the participants also need to pay the first RM 10,000 for any one disability. No Claim Bonus RM150 will be payable on each anniversary of the benefit provided no claims were made in the previous year. Notes 1. Overall Annual Limit and Lifetime Limit do not apply to Emergency Medical Assistance. 2. Emergency Medical Assistance is a complimentary service provided by a third party provider and can be terminated by giving 14 calendar days prior notice to you. TH Auto Upgrade provides an automatic upgrade on Takaful Heath2 plan to higher plan on 5th and 10th rider benefit anniversary regardless of your health condition or any medical claims that you have made. Hospital Benefit pays a daily cash benefit in the event of hospitalisation due to illness or injury before selected expiry age. One unit of Hospital Benefit pays RM50 per day (up to 100 days in a certificate year) for hospital confinement. TH 200 RM 200 } }As charged }

} } }As charged } } } RM 1,500 RM 62,500 RM 625,000 Yes

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Brief Description Of The Plan Additional Benefits

Appendix

Contributor pays an annual benefit equal to the PUA certificate contributions under the certificate upon covered person's total and permanent disability before age 70 or diagnosis of a critical illness during the certificate term, whichever earlier. Takaful Saver Contributor pays an annual benefit equal to the IUA certificate contributions under the certificate upon covered person's total and permanent disability before age 70 or diagnosis of a critical illness during the certificate term, whichever earlier. Takaful Saver contribution is used to purchase unit in IUA for investment purposes only.

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Product Disclosure Sheet Read this Product Disclosure Sheet before you decide to take up PruBSN TakafulLink. Be sure to also read the general terms and conditions. PruBSN TakafulLink 16/9/2013 1. What is this product about? This investment-linked takaful certificate (ILT) offers a combination of takaful protection and investment. The benefit is payable upon total and permanent disability before age 70 or death during the term of the certificate together with the value of the investment units, at the time of claim. The value of the ILT depends on the price of the underlying units, which in turn depends on the performance of your chosen fund. Medical and health rider provides for hospitalisation and surgical expenses incurred due to illnesses covered under the certificate. 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 PruBSN 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, distribution related charge, asset management charge and service charge. 3. What are the covers/benefits provided? Death benefit : - Lump sum

RM 92,000

Total and permanent disability benefit: - Lump sum - Regularly

RM 90,000

Contributors Critical illness benefit : - Lump sum - Regularly

RM 2,400 p.a RM 40,000

Contributors Accidental benefit : - Death - Medical reimbursement - Temporary total disability - Temporary partial disability Medical benefit (1) - Takaful Health2: - Daily room and board - Hospital and surgical benefits - Outpatient treatment benefits - Reimbursement of medical expenses up to: Annual limit on benefits payable Aggregate lifetime limit on benefits payable - No claim bonus Hospitalisation income benefit: - Normal hospital confinement Funds chosen:

RM 2,400 p.a

RM 20,000 As charge (subject to max RM2,000) RM 100 per week RM 50 per week RM 200 As charged (subject to deductible) As charged (subject to deductible) RM 62,500 p.a RM 625,000 RM 150 RM 200 per day

Takafulink Dana Ekuiti

(TDE): 100%

Reminder: Please read the marketing literature which include product benefits and objective 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. 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 PruBSN. The estimated total contribution that you have to pay: Presented by : Date : Version : YUSOF xxx-xxx-xxx 16/9/2013 SQS - Agency ver 2.3.0.7 a

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Protection Unit Account : Investment Unit Account : Total Contribution :

RM RM RM

180.00 20.00 200.00 Monthly

We will allocate 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 charges, which include commissions to agents and other expenses incurred by PruBSN. You are advised to refer to the allocation rates given in the plan illustration. 5. What are the charges I have to pay? The Tabarru' is deducted monthly from the value of your units. The Tabarru' will increase as you grow older. Details of Tabarru' and other charges for the ILT are given in the plan illustration. Other charges are as follows: - Service charge of RM6 for contribution paid by cash or cheque and RM5 for contribution paid by other payment method. The service charges are levied monthly. - Top-up incurs a one-off top-up charge of RM25 for every top-up less than RM5,000. - Fund switch charge is set at 1% subject to a maximum of RM50. Four free switches are allowed every certificate year. Charges above may be varied from time to time, for which 90 calendar days written notice will be given to the participants.

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6. What are some of the key terms and conditions that I should be aware of? General Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly. Free-look period - you may cancel your ILT by returning the certificate within 15 calendar days from the delivery date of the certificate. PruBSN 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' and certificate charge that have been deducted less any medical charge incurred by PruBSN. Cash value - the cash value of the 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' and 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. In the event of total and permanent disability before age 70, one lump sum payable under all certificates with PruBSN on a person 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. For Medical & Health Takaful Qualifying/waiting period - The eligibility for: - Critical illness benefits under the certificate will only start 60 calendar days after the commencement date of the certificate for heart attack, coronary artery heart disease or cancer and 30 calendar days for other critical illnesses. - Medical Cover and/or Hospital Benefit and/or Medic Essential under the certificate will start immediately for hospitalisation due to accidents and 30 calendar days for any other causes. - Takaful Health2 and/ or TH Annual Limit Waiver and /or TH Overseas under the certificate will only start 120 days after the commencement date of the certificate for specified illnesses and 30 days for all other illnesses. Cover for hospitalisation due to accidents commences immediately. - Accidental Medical Reimbursement under this certificate will start immediately. Deductible: Takaful Health2 - You will have to pay the first RM10,000 for any one disability. Note: 1. This list is non-exhaustive. Please refer to the certificate document for the terms and conditions under this certificate.
* *

Applicable to Crisis Shield, Crisis Cover Plus,Vital Care, Accidental Medical Reimbursement, Takaful Health2, Medic Essential, Medical Cover, Hospital Benefit, Takaful Puteri, Takaful Puteri Plus, Crisis Cover Income, Family Income Benefit, TH Retirement, TH Annual Limit Waiver, TH Auto Upgrade, TH Overseas, Parent Income Benefit, Parent Double Income Benefit, Baby Care, Contributor, Takaful Saver Contributor, Spouse Contributor, Takaful Saver Spouse Contributor, Parent Contributor, Takaful Saver Parent Contributor, Joint Contributor, and Takaful Saver Joint Contributor only.

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7. What are the major exclusions under this certificate? Death If the death is due to suicide within the first certificate year, no takaful coverage will be payable, but the remaining value in PUA and IUA will be paid. Total and Permanent Disability Attempted suicide or self-inflicted injuries while sane or insane. 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 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. Medical and Health Pre-existing condition if such condition was not disclosed in the proposal form or any other form relating to your health status after the certificate is in-force. Plastic/ cosmetic surgery, circumcision, eye examination, glasses, lens and refraction or sugical correction of nearsightedness and/ or farsightedness and the use or acquisition of external prosthetic appliances or devices such as artifical limbs, hearing aids, cochlear apparatus, implanted pacemaker and prescriptions thereof. Dental conditions including dental treatment or oral surgery as necessitated by accidental injuries to sound natural teeth occuring wholly during the period of takaful. Expenses arising from placement of denture, root canal treatment and prosthetic services such as bridges, implants an crown or their replacement will not be payable. Private nursing (except for Home Nursing Care Benefit), rest cures or sanitaria care, illegal drugs, intoxication (including and not limited to alcohol and drugs ), sterilization, venereal disease and its sequele, AIDS and AIDS related complex and HIV related diseases, and any communicable diseases requiring quarantine by law. Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions. Pregnancy, current and previous pregnancies (and related complications), child birth (including surgical delivery and any surgical or non surgical procedure of the female reproductive system during surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control, treatment pertaining to infertility as well as erectile dysfunction, and tests or treatment related to impotence or sterilization. Hospitalisation primarily for investigatory purposes, diagnosis, x-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of covered disability or any treatment which is not deemed medically necessary and any preventive treatments, preventive medicines or examinations carried out by a physician, and treatments specifically for weight reduction or gain. Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane. War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection. Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclear weapons material. Expenses incurred for donation of any body organ by a covered person and costs of acquisition of the organ including all costs incurred by the donor during organ transplant and its complications. Investigation and treatment of sleep and snoring disorders, hyperhidrosis treatment, hormone replacement therapy, stem cells therapy (other than for haemopoeitic blood disorder), hyperbaric oxygen therapy and alternative therapy such as treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bonesetting, herbalist treatment, massage or aroma therapy or other alternative treatment. Care or treatment for which payment is not required or to the extent which is payable by any other takaful or indemnity covering the covered person and disabilities arising out of duties of employment or profession that is covered under a Workman's Compensation Takaful Contract. Psychotic, mental or nervous disorders and those due to senile disorders (including any neuroses and their physiological or psychosomatic manifestations). Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, broadband services, electricity bills, radios or similar facilities, admission kit/pack and other ineligible non-medical items. Sickness or injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to parachuting, skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities. Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes. Expenses incurred for sex changes. Any insect bite including mosquito bites and worm infestation during the 30 days waiting period. Charges which are not Reasonable and Customary Charges, or any surgery or treatment which is not Medically Necessary, or charges in excess of Reasonable and Customary Charges, or charges which are incurred for hospitalisation, pre-hospitalisation and / or post hospitalisation after the expiry date.

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Hospitalisation Routine medical examinations or consultations. Cosmetic or plastic surgery, dental care and treatment, organ and tissue donation, gender transformation and exploratory or experimental surgery or any other elective procedures other than as a result of an accidental injury, surgery or illness. Treatments or procedures relating to pregnancy or childbirth and its complications. Tests or treatment related to infertility, contraception, sterilisation, birth defects, congenital anomalies, hereditary conditions, circumcision or any abortion performed due to psychological or social reasons, and any consequences of any of these procedures. Treatment of mental illness and psychiatric disorders, self-inflicted injury while sane or insane, attempted suicide, abuse of alcohol, and drug addiction and abuse. Any treatment or test in connection with AIDS or the presence of any Human Immuno-deficiency Virus (HIV) infection and all sexually transmitted diseases. Injuries or sickness arising from professional sports, racing of any kind, scuba-diving, bungee jumping, aerial flights other than as a crew member or as a fare-paying passenger, on a licensed passenger-carrying commercial aircraft operating on a regular scheduled route, or any dangerous activities or sports (including hang-gliding, ballooning, parachuting and sky-diving ), unless we agree differently in a special endorsement. Any injury or illness caused by war, invasion, act of foreign enemy hostilities (whether war be declared or not ), civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in a riot, strike or civil commotion. Any violation, or attempted violation of the law or to resist arrest. Pre-existing condition if such condition was not disclosed in the proposal form or any other form relating to your health status after the certificate is in-force. Accidental War, invasion, act of foreign enemy hostilities whether it is declared or not, civil war, rebellion, revolution, insurrection, military or usurped power, direct participation in riot, strike or civil commotion. Any violation or attempted violation of the law or resistance to arrest. Attempted suicide or self-inflicted injuries while sane or insane. Pregnancy, current and previous pregnancies (and related complications), child birth (including surgical delivery and any surgical or non surgical procedure of the female reproductive system during surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth control, treatment pertaining to infertility as well as erectile dysfunction, and tests or treatment related to impotence or sterilization. Pre-existing physical or mental defect or infirmity. Engaging in professional sports, scuba diving, racing of any kind, aerial flights other than as crew member of or as a fare-paying passenger on a licensed passenger-carrying commercial aircraft operating on a regular scheduled route or any dangerous activities or sports (including bungee jumping, hang-gliding, ballooning, parachuting and sky-diving), unless agreed to by a special endorsement. Taking drugs or narcotic unless taken as prescribed by a qualified doctor or physician. Alcohol and drugs intoxication. Any insect bite including mosquito bites and worm infestation. Note: This list is non-exhaustive. Please refer to the certificate document for the terms and conditions under this certificate. 8. Can I cancel my certificate? 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 you have chosen is no longer appropriate, you have the flexibility to switch the fund. You are allowed four switches per certificate year without any charge. You may cancel your certificate by giving a written notice and returning the original certificate documents 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? Should you require additional information about investment-linked takaful and medical and health product, please refer to the insurance info booklet on 'Investment-linked Takaful' and 'Medical and Health Takaful', available at all our branches or you can obtain a copy from the your agent or visit the website at 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 E-mail: customer@prubsn.com.my You can also log on to our website at www.prubsn.com.my 11. Other similar types of family takaful cover available: Please contact your agent or PruBSN for other types of similar covers available. IMPORTANT NOTE: YOU MUST EVALUATE YOUR OPTION CAREFULLY AND SATISFY YOURSELF THAT THE INVESTMENT-LINKED TAKAFUL PLAN Presented by : Date : Version : YUSOF xxx-xxx-xxx 16/9/2013 SQS - Agency ver 2.3.0.7 a

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CHOSEN MEETS 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 FULL TERMS AND CONDITIONS ARE SET OUT IN THE CERTIFICATE DOCUMENTS. PLEASE ASK FOR A SAMPLE OF THE TERMS AND CONDITIONS SHOULD YOU NEED DETAILED INFORMATION OF THE PLAN. YOU SHOULD READ AND UNDERSTAND THE TAKAFUL CERTIFICATE AND DISCUSS WITH YOUR AGENT OR CONTACT PRUBSN DIRECTLY FOR MORE INFORMATION.

The information provided in this disclosure sheet is valid as at 16/9/2013

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