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PRUDENTIAL BSN TAKAFUL BERHAD INVESTMENT-LINKED PLAN ILLUSTRATION

Quotation For PruBSN SmartLink nurin & suriani Agent Date : roslan mh200072 : 24/1/2012

Details Name

Person to be Covered : nurin

Parent : suriani

Gender Smoking status Occupation class Date of birth Age next birthday

: Female : No : Class 2 : 08/08/2008 :4

: Female : No : Class 1 : 04/04/1976 : 36

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

: RM 20,000 Fund(s) invested 1 : 100% of TDU : RM 150.00 : Monthly : Cash / Cheque : 1/2/2088 : Regular Contribution Investment-Linked Takaful : Wakalah Charge Service Charge Asset Management Charge

(See Definition in Appendix for the description of the charges) Details Of Plan Name of Plan Protection Unit Account (PUA): Basic benefit: PruBSN SmartLink Additional benefit(s): Crisis Shield Accidental Death and Disablement Accidental Medical Reimbursement Takaful Health2 Medical Cover Hospital Benefit Disability Provider TH Auto Upgrade Contributor Parent Contributor Term (years) for 76 year(s) for 76 year(s) for 66 year(s) for 66 year(s) for 66 year(s) for 66 year(s) for 66 year(s) for 66 year(s) for 66 year(s) for 76 year(s) for 21 year(s) Sum Covered (RM) 20,000 10,000 20,000 2,000 TH2 Plan 150 1 4 2,000 THAU 1,560 1,560 Contribution (RM) 10.00 2.00 3.00 3.00 58.00 8.00 16.00 2.00 14.00 4.00 10.00 130.00 20.00 20.00 150.00

Unit(s) Unit(s) p.a. p.a. p.a.

Total Protection Unit Account Contribution (A) Investment Unit Account (IUA): Takaful Saver for 76 year(s) 240 p.a. Total Investment Unit Account Contribution (B) Total Monthly Contribution (A+B) Notes: 1 TDU - Takafulink Dana Urus TDB - Takafulink Dana Bon TDE - Takafulink Dana Ekuiti TDED - Takafulink Dana Ekuiti Dinasti 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. Presented by : Date : Version : roslan mh200072 24/1/2012 SQS - Agency ver 1.9.1.1

Page 1 of 20

Quotation For PruBSN SmartLink nurin & suriani

Agent Date

: roslan mh200072 : 24/1/2012

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 SmartLink: RM 600. - 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 financial adviser 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 financial adviser to explain the Tabarru' to you and its effect on your future Takaful coverage.

Presented by : Date : Version :

roslan mh200072 24/1/2012 SQS - Agency ver 1.9.1.1

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Quotation For PruBSN SmartLink nurin & suriani 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.

Non-Guaranteed Critical Illness Sum Covered (RM) Unallocated Contribution Allocated Charge Contribution Cumulative Total Contribution (Up Front Contribution Tabarru' Paid (RM) (RM) Wakalah (RM) (RM) Charge) 3 (RM) Other Charges (Service Charge) (RM) Projected Investment Return: (X% p.a) Asset Management Charge (RM) 2 7 13 21 32 44 59 75 92 109 125 142 157 174 189 204 220 236 252 269 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 4 ManageTotal Death (RM) Cash Value ment Benefit (RM) Charge (RM) (RM) 2 7 13 23 35 49 66 86 107 129 152 176 201 228 254 282 312 344 377 413 416 784 1,297 2,155 3,198 4,285 5,751 7,295 8,924 10,643 12,494 14,335 16,227 18,282 20,334 22,480 24,839 27,271 29,860 32,702 20,416 20,784 21,297 22,155 23,198 24,285 25,751 27,295 28,924 30,643 32,494 34,335 36,227 38,282 40,334 42,480 44,839 47,271 49,860 52,702 633 633 399 399 243 243 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 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24

20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000

10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000

1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800 1,800

1,800 3,600 5,400 7,200 9,000 10,800 12,600 14,400 16,200 18,000 19,800 21,600 23,400 25,200 27,000 28,800 30,600 32,400 34,200 36,000

948 948 792 480 324 324 12 12 12 12 12 12 12 12 12 12 12 12 12 12

852 852 1,008 1,320 1,476 1,476 1,788 1,788 1,788 1,788 1,788 1,788 1,788 1,788 1,788 1,788 1,788 1,788 1,788 1,788

474 544 582 587 615 679 688 697 703 710 907 943 1,000 1,031 1,072 1,099 1,098 1,081 1,071 1,055

72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72

409 752 1,220 2,003 2,925 3,847 5,087 6,335 7,595 8,866 10,184 11,407 12,590 13,836 14,980 16,112 17,342 18,525 19,736 21,060

20,409 20,752 21,220 22,003 22,925 23,847 25,087 26,335 27,595 28,866 30,184 31,407 32,590 33,836 34,980 36,112 37,342 38,525 39,736 41,060

This represents a charge to your contribution and is used to meet the direct distribution cost and PruBSN's 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 the agent will provide to you for the duration of your certificate.

Presented by : Date : Version :

roslan mh200072 24/1/2012 SQS - Agency ver 1.9.1.1

Page 3 of 20

Quotation For PruBSN SmartLink nurin & suriani SUMMARY ILLUSTRATION: Non-Guaranteed Projected Investment Return: Projected Investment Return: (X% p.a) (Y% p.a) Asset Management Charge (RM) 286 302 319 335 351 369 386 402 420 437 Direct Distribution Asset Cost 4 Manage(RM) Cash Value Total Death ment Benefit (RM) Charge (RM) (RM) 446 475 505 536 567 600 634 669 706 743 34,897 37,074 39,403 41,738 44,155 46,732 49,323 52,004 54,852 57,719 54,897 57,074 59,403 61,738 64,155 66,732 69,323 72,004 74,852 77,719 9 9 9 9 9 9 9 9 9 9

End of Certificate Year

Age

Death Sum Covered (RM)

Critical Illness Sum Covered (RM)

Unallocated Contribution Allocated Contribution Cumulative Charge Total Paid Contribution (Up Front Contribution Tabarru' (RM) (RM) (RM) Wakalah (RM) Charge)3 (RM)

Other Charges (Service Charge) (RM)

Cash Value Total Death Benefit (RM) (RM)

21 22 23 24 25 26 27 28 29 30
3 4

25 26 27 28 29 30 31 32 33 34

20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000 20,000

10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000

1,800 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680 1,680

37,800 39,480 41,160 42,840 44,520 46,200 47,880 49,560 51,240 52,920

12 12 12 12 12 12 12 12 12 12

1,788 1,668 1,668 1,668 1,668 1,668 1,668 1,668 1,668 1,668

1,038 1,014 1,018 1,023 1,027 1,030 1,036 1,041 1,048 1,059

72 72 72 72 72 72 72 72 72 72

22,340 23,542 24,829 26,056 27,298 28,625 29,894 31,175 32,540 33,840

42,340 43,542 44,829 46,056 47,298 48,625 49,894 51,175 52,540 53,840

This represents a charge to your contribution and is used to meet the direct distribution cost and PruBSN's 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 the agent will provide to you for the duration of your certificate.

Presented by : Date : Version :

roslan mh200072 24/1/2012 SQS - Agency ver 1.9.1.1

Page 4 of 20

Quotation For PruBSN SmartLink nurin & suriani

Summary Illustration Definition NOTE: 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 friendly PruBSN representative. 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 and service charges for the respective accounts will be deducted through cancellation of units, subject to consent given by you. 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 slack in your PUA. This option is subject to underwriting. 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 certificate owner) 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 certificate owner) pay for this certificate up to the end of respective certificate year. 4. Allocated Contribution and Unallocated Contribution (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 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 % Allocated Contribution RM % Unallocated Contribution RM IUA Contribution % Allocated Contribution RM % Unallocated Contribution RM 1 1,560.00 40.00 624.00 60.00 936.00 240.00 95.00 228.00 5.00 12.00 2 1,560.00 40.00 624.00 60.00 936.00 240.00 95.00 228.00 5.00 12.00 3 1,560.00 50.00 780.00 50.00 780.00 240.00 95.00 228.00 5.00 12.00 4 1,560.00 70.00 1,092.00 30.00 468.00 240.00 95.00 228.00 5.00 12.00 5 1,560.00 80.00 1,248.00 20.00 312.00 240.00 95.00 228.00 5.00 12.00 6 1,560.00 80.00 1,248.00 20.00 312.00 240.00 95.00 228.00 5.00 12.00 7 & Above 1,560.00 100.00 1,560.00 0.00 0.00 240.00 95.00 228.00 5.00 12.00

5. Tabarru' and Other Charges These charges are taken out of your investment fund(s). 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 notice to certificate owners. 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, occupation, medical rating and smoking status. 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 Rate of return X assumes 3.00% weighted gross growth in the PUA and IUA. Y assumes 8.00% weighted gross growth in the PUA and IUA for the first 20 years, while 5.50% 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. 7. Asset Management Charge This refers to the annual managemant charge as a percentage of investment fund deducted to cover the cost of managing the investment fund. 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. Page 5 of 20

Quotation For PruBSN SmartLink nurin & suriani

This amount comprises of the cash value of the PUA and IUA. Please refer to Illustration of Expected Benefits Table for the breakdown. 9. Total Death Benefit This is the amount that will be payable on your 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 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 SmartLink nurin & suriani

Illustration of Expected 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 100 100 100 100 100 150 150 150 150 150 300 300 300 300 300 300 300 300 300 300 300 300 300 300 300 300 300 300 300 300 335 690 1,067 1,465 1,888 2,385 2,912 3,471 4,062 4,689 5,586 6,453 7,372 8,428 9,465 10,563 11,810 13,047 14,359 15,831 16,946 18,102 19,375 20,621 21,912 23,326 24,717 26,159 27,729 29,282

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 79 88 217 656 1,230 1,748 2,579 3,412 4,251 5,095 5,752 6,383 6,965 7,523 8,049 8,554 9,068 9,605 10,161 10,741 11,346 11,863 12,383 12,905 13,432 13,961 14,493 15,027 15,562 16,093 0 0 0 0 0 0 0 0 0 0 78 0 0 78 0 0 78 0 0 78 0 0 72 0 0 72 0 0 72 0 100 100 100 100 100 150 150 150 150 150 300 300 300 300 300 300 300 300 300 300 300 300 300 300 300 300 300 300 300 300 330 664 1,003 1,347 1,695 2,099 2,508 2,923 3,344 3,771 4,432 5,024 5,625 6,313 6,931 7,558 8,274 8,920 9,575 10,319 10,994 11,679 12,446 13,151 13,866 14,664 15,401 16,148 16,978 17,747 81 94 230 690 1,310 1,900 2,839 3,824 4,862 5,954 6,908 7,882 8,855 9,854 10,869 11,917 13,029 14,224 15,501 16,871 17,951 18,972 20,028 21,117 22,243 23,406 24,606 25,845 27,123 28,437 0 0 0 0 0 0 0 0 0 0 78 0 0 78 0 0 78 0 0 78 0 0 72 0 0 72 0 0 72 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:

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 31 32 33 34

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 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 SmartLink nurin & suriani

3.2. No Claim Bonus Credited (if Takaful Health2 is attached) 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.

Page 8 of 20

Quotation For PruBSN SmartLink nurin & suriani

Illustration of Tabarru' and Other Charges Table Allocated Contribution End of Certificate Year Death Benefit Tabarru' (RM) 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 Tabarru' Deduction Medical Benefit Tabarru' (RM) 351 418 420 421 422 480 483 486 486 487 681 713 766 804 853 885 891 883 884 882 884 884 887 890 892 894 897 899 903 911 Other Additional Benefits Tabarru' (RM) 96 99 134 139 166 172 178 184 190 195 200 203 206 201 192 187 180 171 160 146 127 103 104 106 107 109 112 115 118 121 Annual Charges

Age

Protection Investment Unit Account Unit Account (RM) (RM) 624 624 780 1,092 1,248 1,248 1,560 1,560 1,560 1,560 1,560 1,560 1,560 1,560 1,560 1,560 1,560 1,560 1,560 1,560 1,560 1,440 1,440 1,440 1,440 1,440 1,440 1,440 1,440 1,440 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228 228

Service Charge (RM) 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72 72

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:

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 31 32 33 34

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 includes the Tabarru' deduction for basic death benefit, Crisis Cover Plus benefit and Compassionate Benefit benefit. 2.2. Medical Benefit Tabarru' This includes Tabarru' deduction for Takaful Health2, Medic Essential, Medical Cover, Hospital Benefit, TH Retirement, TH Annual Limit Waiver, TH Auto Upgrade and TH Overseas. 2.3. Other Additional Benefits Tabarru' This includes 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 SmartLink nurin & suriani 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 time 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. 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 :

roslan mh200072 24/1/2012 SQS - Agency ver 1.9.1.1

Page 10 of 20

Quotation For PruBSN SmartLink nurin & suriani

Brief Description Of The Plan

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. - 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. - If basic sum covered is less than or equal to RM 4 million, basic sum covered ceases. If basic sum covered is more than RM 4 million, the excess of basic sum covered can be continued 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. EduSmart Bonus - EduSmart Bonus is a benefit to eligible participants subject to terms and conditions specified in the certificate document and this benefit is not guaranteed. - It is payable to participant upon excellent academic achievement as follows; Exam UPSR PMR SPM STPM or STAM Diploma or Degree Award 780 1,560 2,340 2,340 3,120 Minimum Achievement 5A 7A 8A 4A CGPA 3.5/1st class

- You are only entitled to the EduSmart Bonus if your contribution is up to date as at application date of claiming the benefit. - There is 3-years waiting period before the first event that entitles you to receive this benefit. - You need to notify PruBSN within 6 months from the date the exam result is obtained by submitting the certified true copy of your original exam certificate. The copy of exam certificate can only be certified or acknowledged by the school.

Presented by : Date : Version :

roslan mh200072 24/1/2012 SQS - Agency ver 1.9.1.1

Page 11 of 20

Quotation For PruBSN SmartLink nurin & suriani

Brief Description Of The Plan Options

Appendix

Non-forfeiture option: - The payment of contributions may be stopped but the benefits above continue as long as there are units in the plan for Tabarru ' deduction and other charges. The Tabarru' deduction and other charges will be deducted from the account through cancellation of units, subject to consent given by you. 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 free switches per year without any fee. 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 aditional one-off top-up fee of RM25 for top-up less than RM5,000. For single contribution top-up payment of RM5,000 and above, there will be no top-up charge imposed. 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 price at the next valuation date). - Partial withdrawal is allowed for IUA. 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 slack 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. Tabarru' amount and wakalah charges - Tabarru ' amount, which is based on age next birthday, gender, smoking status, occupational class 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 notice to the certificate owners. 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 (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

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Quotation For PruBSN SmartLink nurin & suriani

Brief Description Of The Plan Claims Submission: - If you need to make a claim, you must send us a written notice to the following address. For accidental claim, it should be within thirty (30) days while for other claim within sixty (60) 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 SmartLink and additional benefits may be varied by PruBSN from time to time by giving 90 calendar days written notice. - PruBSN SmartLink is a Shariah-compliant product.

Appendix

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Brief Description Of The Plan Additional Benefits

Appendix

Crisis Shield pays the sum covered on 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. 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. 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 and board (up to 120 days per certificate year) Intensive care unit (up to 30 days per certificate year) Surgical In-hospital and related services Out-patient Treatment Benefits** Pre-hospitalisation treatment (within 30 days before hospitalisation) Post-hospitalisation treatment (within 90 days after hospital discharge) Home nursing care (up to 180 days per lifetime) Day surgery Cancer treatment Kidney dialysis Emergency treatment for accidental injury (Annual Limit) Overall Annual Limit Lifetime Limit Emergency Medical Assistance Co-Takaful * For hospital and surgical benefits (except hospital daily room and board benefit), the participant need to pay 10% of total eligible expenses subject to a minimum co-Takaful amount of RM300 and a maximum co-Takaful amount of RM1,000. ** For out-patient treatment benefits, the participants need to pay 10% of total eligible expenses subject to maximum co-Takaful of RM2,000. PruBSN reserves the right to revise the minimum and maximum co-Takaful amount once in every 12 months, by giving 30 calendar days notice. For the minimum co-Takaful amount only, the amount to be increased during such revision shall not exceed RM100. No Claim Bonus RM100 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 contracted third provider and can be terminated by giving 14 calendar days notice. 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. Medical Cover pays the benefits below in the event of hospitalisation due to illness or injury before selected expiry age. One unit of Medical Cover pays - RM50 per day (up to 100 days in a certificate year) for hospital confinement. - RM100 per day (up to 30 days in a certificate year) while confined to an intensive care unit, and - a lump sum up to RM2,500 (up to RM12,500 in a certificate year) for a surgical procedure, depending on its severity rating. 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 150 RM 150 } }As charged }

} } }As charged } } } RM 1,000 RM 50,000 RM 500,000 Yes

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Quotation For PruBSN SmartLink nurin & suriani

Brief Description Of The Plan

Appendix

Contributor pays an annual benefit equal to the PUA certificate contributions under the certificate on total and permanent disability before age 70 or diagnosis of a critical illness during the certificate term. Parent Contributor pays an annual benefit equal to PUA certificate contribution under the certificate on the parent's total and permanent disability before age 70, death or diagnosis of a critical illness during the certificate term or before age of parent reach 100, whichever earlier. Takaful Saver contribution is used to purchase unit in IUA for investment purposes only.

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Quotation For PruBSN SmartLink nurin & suriani

Product Disclosure Sheet Read this Product Disclosure Sheet before you decide to take up PruBSN SmartLink. Be sure to also read the general terms and conditions. PruBSN SmartLink 24/1/2012 1. What is this product about? This investment-linked Takaful certificate (ILT) offers a combination of Takaful protection and investment. It pays a lump sum death benefit if you die or are totally and permanently disabled during the term of the certificate and 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 20,000

Total and permanent disability benefit: - Lump sum - Regularly Critical illness benefit : - Lump sum - Regularly Accidental benefit : - Death - Medical reimbursement

RM 20,000 RM 3,560 p.a

RM 10,000 RM 1,560 p.a

RM 20,000 As charge (subject to max RM2,000)

Medical benefit - Takaful Health2 : - Room and board - Hospital and surgical benefit - Outpatient treatment benefit - Reimbursement of medical expenses up to: Annual limit on benefits payable Aggregate lifetime limit on benefits payable Hospitalization income benefit: - Normal hospital confinement - ICU confinement - Surgical procedure Parent's death, critical illness and total and permanent disability benefit : Funds chosen: Takafulink Dana Urus (TDU): 100%

RM 150 As charged (subject to co-takaful) As charged (subject to co-takaful) RM 50,000 p.a RM 500,000 RM 250 per day RM 100 per day RM 2,500 per procedure RM 1,560 p.a

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: Protection Unit Account: Investment Unit Account: Total Contribution : RM RM RM 130.00 20.00 150.00 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 Presented by : Date : Version : roslan mh200072 24/1/2012 SQS - Agency ver 1.9.1.1

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Quotation For PruBSN SmartLink nurin & suriani

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 which 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.

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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 fee incurred. 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 death or total and permanent disability or diagnosis of a critical illness for children before age 5 next birthday, the sum covered payable are as follow: Age next birthday 1 2 3 % of sum covered 20% 40% 60%

4 80% 5 100% 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 days after the effective date of the certificate for heart attack, coronary artery disease that needs surgery, cancer or other serious coronary artery heart disease and 30 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 days for any other causes. - Takaful Health2 and/or TH Annual Limit Waiver under the certificate will only start 120 days after the effective 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. Co-takaful: Takaful Health2 - You will have to pay 10% of the total costs incurred, subject to minimum of RM300 and maximum of RM1,000 for hospital & surgical benefit while for outpatient treatment benefit there are no minimum of co-takaful but subject to maximum of RM2,000. Note: This list is non-exhaustive. Please refer to the certificate document for the terms and conditions under this certificate. 5 Applicable to Crisis Shield, Crisis Cover Plus, 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, Contributor, Takaful Saver Contributor, Spouse Contributor, Takaful Saver Spouse Contributor, Parent Contributor, Takaful Saver Parent Contributor, Joint Contributor, and Takaful Saver Joint Contributor only. 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 refracrion or sugical correction of nearsightedness and/ or farsightedness and the use or acquisition of external prosthetic appliances or devices such as artifical limbs, heatring aids, cochlear apparatus, implanted pacemaker and prescriptions thereof. Presented by : Date : Version : roslan mh200072 24/1/2012 SQS - Agency ver 1.9.1.1
5

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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. 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: The list is non-exhaustive. Please refer to the certificate document for the full list of exclusions 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 to PruBSN. Presented by : Date : Version : roslan mh200072 24/1/2012 SQS - Agency ver 1.9.1.1

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Quotation For PruBSN SmartLink nurin & suriani

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 insuranceinfo booklet on 'Investment-linked Takaful' and 'Medical and Health Takaful', available at all our branches or you can obtain a copy from the Takaful 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 Email: 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 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. YOU SHOULD READ AND UNDERSTAND THE TAKAFUL CERTIFICATE AND DISCUSS WITH THE AGENT OR CONTACT PRUBSN DIRECTLY FOR MORE INFORMATION. The information provided in this disclosure sheet is valid as at 24/1/2012

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