Document OnlineForm ASMEPluswithtakafuloptionProductTrainingSlides22April2015

A-SME Plus Product Training
(inclusive of TAKAFUL option, A-SME Plus-i)

Protect your most valuable asset
Prepared by: Corporate Solutions Division

22 April 2015
AIA confidential and proprietary information. Not for distribution.

DISCLAIMER
These presentation slides have been prepared by

AIA Bhd. solely for use of this sales presentation
and may not be reproduced or redistributed without
the written consent of AIA Bhd. These slides serve
only as a guide in the selling concept of the products
mentioned. In the actual selling process, the
customer's needs, affordability and preference must
be considered to deliver fair value to the customer.
The detailed product benefits and cost must be
explained to help customers make informed
decisions. Only AIA Bhd. authorized sales materials
are to be used when prospecting. The contents have
been summarized to suit presentation needs. For
actual definitions, descriptions and exclusions,
please refer to the actual policy contract.

DISCLAIMER
This presentation is purely a training tool for AIA PUBLIC Takaful Bhd.s (AIA PUBLIC) internal agency.
This presentation is not to be used directly/indirectly for soliciting Takaful business, Certificate Owner
services and/or facilitating any other form of communications with external parties whatsoever. Whilst
AIA PUBLIC has taken all reasonable care to ensure that the information contained in this presentation
is not untrue or misleading at the time of publication, we cannot guarantee its accuracy or
completeness. You should not act on it without first independently verifying its contents. Any opinion or
estimate contained in this presentation is subject to change without notice.
The information with regard to investment/savings contained herein does not have any regard to the
specific investment objective(s), financial situation or the particular needs of any person. Any
investment and/or savings returns is subject to risks, including the possible loss of the principal amount
invested. Past performance is not necessarily a guide to the future or likely performance of the plans.
Potential investors may wish to seek advice from AIA PUBLICs representative before participating in
any plan. In the event that potential investors choose not to seek advice from a AIA PUBLICs
representative, they should consider whether the plan is suitable for them.
Any comparison contained herein pertains to specific products in the market and is based on information
gathered from marketing materials of the said product. Comparisons are made based on certain
assumptions as stated in this presentation. As such, the analysis is not to be generalized or applied to
all situations. This presentation is only for internal circulation and not to be construed as a marketing
material to be shared with any external party.
AIA confidential and proprietary information. Not for distribution. 3

Takaful Concept
Takaful is an Arabic word literally means guaranteeing each
other or "joint guarantee".
The concept of Tabarru is the main underlying principle in the

Takaful system making it free from uncertainty and gambling
elements.
Tabarru' means "donation; gift.

TAKAFUL MODEL
Participant
Certificate
Benefits
Contribution Surrender Value Participants Risk Fund

(Common)
50%
Tabarru (1-x%)
X% Medical Expenses
Wakalah Fee Takaful Operators Fund Reserves

(Operator) Al-Qard Al-Hassan
if PRF is deficient
50% Underwriting Surplus

After Reserves
Actual
Management Terms:
Expense 1. Wakalah fee Management Expense
2. Tabarru - Net of Contribution Wakalah Fee
deduction will be allocated in PRF for mutual help
and assistance
AIA confidential and proprietary information. Not for distribution. 3. Al-Qard Al-Hassan No interest loan 5
THE DIFFERENCE OF TERMS USED BETWEEN A-
SME PLUS & A-SME PLUS-i
Items A-SME Plus A-SME PLus-i

(Conventional Version) (Takaful version)
Underwritten by: AIA Bhd. AIA PUBLIC Takaful Bhd.
Payment: Is known as Premium Is known as Contribution
Rates: The premium rates for A-SME The contribution rates of A-SME Plus-i
Plus are lower vary slightly as compared to A-SME
A-SME Plus does not have Plus due to sharing of Underwriting
Underwriting Surplus sharing Surplus between customer & Takaful
Operator
Policy Is known as Policy Is known as Certificate
Document:
Medical Is known as Sum Insured Is known as Sum Covered
Coverage
Insurance Fund Is called Risk Fund Is called Tabarru Fund
Introducing

: The Reasons Behind The Offer
For the Employer For the Employee
Takes care of your valuable Financial security for employee

asset your employees
Promotes employee loyalty
Attracts & retains employee
Enjoy Protection (against
low turnover
uneventful death, disability &
Improve morale & high medical expenses)
productivity
Minimize your companys
exposure to rising healthcare
costs & admin work
Employee Benefits premiums
Tax Allowable Expenses
Create a caring employer
image

: Key Features
Key Features
Maximum group size increased to 150 employees
Higher SI for GTL max at 300k
Total 7 plans
No Evidence Limit up to RM200,000 apply to group

size above 10
Higher overall limit for outpatient specialist care with
options for RM1,000 or RM1,500 per year
Higher coverage for Compassionate Allowance at
RM10,000

AN OVERVIEW OF A-SME PLUS
Basic Coverage: Group Health Plan

Optional benefits:
Out-Patient Care
18KS Screening
LOG
Basic Coverage: Group Term Life

(GTL)- Death/TPD/PPD
Optional benefits:
Critical Illness
18KS Screening

AN OVERVIEW OF A-SME PLUS-i
A-SME Plus-i
Group
Hospitalisation and Group Term
Surgical Takaful Takaful (GTT)
(GHS)
Basic Basic
Compulsory Rider Compulsory Rider
Optional Rider Optional Rider
Applicable to companies with total workforce of between 5 to 150 employees.

: Schedule of Basic Benefits - Hospitalisation



: SCHEDULE OF OPTIONAL BENEFITS

: Hospitalisation Special Conditions
Waiting Period:
Eligibility for benefits starts thirty (30) days after the Insured has been included in
the Policy, except for a covered Accident occurring after the effective date of coverage.
Specified Illnesses
No benefits shall be payable for hospitalisation, surgery and/or charges incurred
which are caused directly or indirectly by Specified Illnesses and its related
complications.
Specified Illnesses" shall mean the following disabilities and its related
complications, occurring within the first hundred twenty (120) days of Insurance of
the Insured Person:
i) Hypertension, diabetes mellitus and cardiovascular disease.
ii) All tumours, cancers, cysts, nodules, polyps, stones of the urinary system and
biliary system.
iii) All ear, nose (including sinuses) and throat conditions.
iv) Hernias, haemorrhoids, fistulae, hydrocoele, varicocele.
v) Endometriosis including disease of the reproduction system.
vi) Vertebro-spinal disorders (including disc) and knee conditions.

: GUIDELINES FOR LOG ISSUANCE
No Item Guidelines
Medical premium more than
1 Premium per annum
RM10,000
2 Deposit Waived
Upon receipt of first year

3 LOG issuance
premium and signed copy of LOU
4 LOU (letter of undertaking) Client to sign LOU

Must settle within 30 days from
5 Excess bills
Billing Date

: Schedule of Basic Benefits Term Life

: GTL Exclusion for Death/TPD/PPD
5 to 50 employees:
Date of Inclusion: Date of Incident: Anniversary date:
1 Jan 2015 30 Jun 2015 31 Dec 2015
During the 90
First 12 months
days preceding
the date of
inclusion of
Insured
Employee
Where the Insured Employee IS NOT

e.g. died of cancer
in Receipt of:
1. medical treatment Claim
2. diagnosis
3. consultation payable
4. prescribed drugs
: GTL Exclusion for Death/TPD/PPD
5 to 50 employees:
1 Jan 2015 30 Jun 2015 31 Dec 2015
During the 90
First 12 months
days preceding
the date of
inclusion of
Insured
Employee
Where the Insured Member IS

e.g. died of cancer
in Receipt of:
1. medical treatment
2. diagnosis Claim not
3. consultation payable
4. prescribed drugs
: GTL Exclusion for TPD/PPD
51 to 150 employees:
1 Jan 2015 30 Jun 2015 31 Dec 2015
During the 90
First 12 months
days preceding
the date of
inclusion of
Insured
Employee`
Where the Insured Member IS NOT

in Receipt of:
Claim
1. medical treatment payable
2. diagnosis
3. consultation
4. prescribed drugs
e.g. TPD/PPD due to diabetes

: GTL Exclusion for TPD/PPD
51 to 150 employees:
1 Jan 2015 30 Jun 2015 31 Dec 2015
During the 90
First 12 months
days preceding
the date of
inclusion of
Insured
Employee
Where the Insured Member IS

in Receipt of:
1. medical treatment Claim not
2. diagnosis payable
3. consultation
4. prescribed drugs
e.g. TPD/PPD due to diabetes



: Exclusions & Limitations of Critical Illness
Only one payment would be made
i.e. no second payment on the re-occurrence of a Critical

Illness or on diagnosis of a different Critical Illness
No benefit will be payable to the Insured Person who has

at any time prior to the commencement of the Policy
incurred a Critical Illness
or sought medical advice for signs and symptoms that
are present that are related to the diagnosis of the
Critical Illness covered.

: Exclusions & Limitations of Critical Illness
There will be a waiting period of thirty (30) days from the

Insured Employee's effective date of insurance with the
exception of the following, which shall be subject to a waiting
period of sixty (60) days:
i) Cancer
ii) Heart Attack
iii) Other Serious Coronary Artery Disease
iv) Coronary Artery By-Pass Surgery.

: EXECUTIVE SCREENING - OPTIONAL

A-SME Plus-i :
EXECUTIVE SCREENING - OPTIONAL

: PREMIUM RATES - MEDICAL

A-SME Plus-i Contribution RATES (GHS)

: PREMIUM RATES TERM LIFE

A-SME Plus-i CONTRIBUTION RATES (GTT)

: FREQUENTLY ASKED QUESTIONS



: Access to Medical Care - Outpatient ID Card
Member ID Card
Must be used when seeking care at any Panel GP Clinic
Front Back

Access to Medical Care - Outpatient ID Card
Member ID Card
Must be used when seeking care at any Panel GP Clinic
Medical card with magnetic strip (i.e. swipe facility)

for Out-Patient treatment at panel GPs.

: Visiting Panel GP Clinic
Member presents member

ID card & IC
Member seeks treatment
Member AIA Panel GP Clinic
Clinic staff swipes Card at

EDC terminal
EDC Printout
Member to sign and Benefits / Limits verified
keep a copy for & approved
records
EDC terminal linked
To AIA
EDC Printout Benefits / Limits

Member to pay verified & rejected
You on
Log cantoonly visit a non-Panel
AIA@MyService clinic
for the in an Emergency
Directory or Clinics
of Panel GP there are no Panel GP Clinics within a 5 km radius of your
locationcheck with your HR Department for Monthly Directory updates
Always

: SAMPLE EDC PRINTOUT
DATE/TIME : 08 JUNE 13 11:55

MERCHANT ID : 000000000000000
TERMINAL ID : 12376925
BATCH NUM : 000001
INVOICE UM : 000003
CARD NUM : 8000146803440373
PAY
AIA CORPORATE SOLUTIONS
Name of Clinic POLIKLINIK ABC
Patient Name TAN YEN YEN
75090710508202
Membership Number ABC COMPANY Company Name
Visit Date 08/06/2013 TRAN# 000771 Transaction Code
Diagnosis Code DIAG:1028/0 MC: 0 DAY MC Days
CONSULTATION 15.00
MEDICATION 25.00
INJECTION 10.00
Bill Itemization LAB TEST 10.00
X.RAY 10.00
PROCEDURE 10.00
TRANSACTION AMT: 70.00 Total Transaction Amount (billed to AIA
Total Billed Amount TOTAL BILLED: 80.00 Insurance)
(PATIENT TO PAY) 0.00 Amount Payable by Patient (RM0)
---------------------------------------------
SIGNATURE
X __________________________________

: Visiting the Hospital (without LOG)
Member
Hospital / Gov
Medical Centres
Submit original receipts &

Seek treatment itemised bills to AIA for
and pay first reimbursement

: VISITING THE HOSPITAL (WITH LOG)
Member
Member to Fax Admission

Letter (PAF) to AIA

Member
Member to Follow-up with call

to AIA Call Centre

Member
AIA will fax a LOG to the

Member or Hospital
AIA will also send a
confirmation SMS once the
LOG has been issued
Hospital

Member
AIA will fax a LOG to the

Member or Hospital
AIA will also send a
confirmation SMS once the
LOG has been issued
Hospital
The LOG is valid for 14 days from the date of issue.
Hospitalisation: One admission only & that follow up visits (within 60 days) will
be on Pay & Claims basis.

After Sales Inquiries
After Sales inquiries,

including information on:
Benefits
Claims
my.cslp@aia.com
Member updates
Billing
A-Health Maximiser
inquiries: my.ahm@aia.com
All claims inquiries: 03-2056 1111 ext: 7885

IMPORTANT TELEPHONE NUMBERS (CONVENTIONAL)
To obtain LOG, fax to:

1300 8888 90
Call to check if LOG is ready:
1300 8888 60/70

IMPORTANT TELEPHONE NUMBERS
(TAKAFUL)
To obtain LOG, fax to:

603-2026 1910/15
Call to check if LOG is ready:
1300 88 8933

A SUMMARY
Basic Coverage: Group Health Plan
*Eligibility to claim starts 30 days after the
Insured was included in the policy, except for a
covered accident occurring after the effective
date of coverage
*120 days waiting period for specified illnesses
*No Pre-Existing Condition clause
Basic Coverage: Group Term Life -

Death/PPD/TPD
*Pre-Existing Condition clause applies for
first 12 months
Critical Illness:
*Not payable for Pre-Existing conditions
*Waiting period of 30 days from Insured
Employees effective date of insurance,
except for 4 items: Cancer, Heart Attack,
Other Serious Coronary Artery Disease and
Coronary Artery By-Pass Surgery, which
shall be subject to a waiting period of 60
days
Corporate Solutions Agency Team (from April, 2015)

Corporate Solutions Agency Team (from April, 2015)

Appendix

Index
Illustration of Surplus Sharing

Comparison of between SMI Plan GTT and A-SME Plus-i GTT
Comparison of between SMI Plan GHS and A-SME Plus-i GHS
Document Checklist
Application Forms
Letter of Undertaking (LOU)

Example:
Financial Year End : 1 December 2012 to 30 Nov 2013

Assumption : a. Pool of Tabarru eligible for surplus is RM100,000,000 as at FYE 2013
b. Pool has surplus of RM10,000,000 for FYE 2013
Scenario 1:
Contract Incepted : 1 June 2013 with contribution of RM1,250,000 and claims of RM300,000 as at 30 Nov
2013
Surplus payout for : Pro-rated Tabarru (contribution minus Wakalah 30%)
FYE 2013 RM1,250,000 x (100%- 30%) x 183/365 = RM438,699
less claim: RM438,699 - RM300,000= RM138,699
The surplus is shared 50/50, hence the payout to client is

RM138,699/RM100,000,000 x RM10,000,000 x 50% = RM 13,870
: This eligible surplus of RM 13,869 will be payable upon renewal in Y2014. The remaining
portion (1 Dec 2013 to 1 May 2014) will be determined at FYE2014 and payable in Y2015
Conditions : a. Contract must be profitable

b. Contract must be renewed
c. Payout will be made 3 months after expiry of contract
Note: This proposal is subject to approval of Management and Shariah Committee

Example:
Financial Year End :1 December 2012 to 30 Nov 2013

Assumption :a. Pool of Tabarru eligible for surplus is RM100,000,000 as at FYE 2013
b. Pool has surplus of RM10,000,000 for FYE 2013
Scenario 2:
Contract Incepted :1 June 2013 with contribution of RM1,250,000 and claims of

RM600,000 as at 30 Nov 2013
Surplus payout for : Pro-rated Tabarru(contribution minus Wakalah 30%)

FYE 2013 RM1,250,000 x (100%- 30%) x 183/365 = RM438,699
less claim: RM438,699 RM600,000= - RM161,301
: No surplus will be payable upon renewal in Y2014 since the claim is higher than
pro-rated Tabarru. The remaining portion (1 Dec 2013 to 1 May 2014) will be determined at
FYE2014 and payable in Y2015
Conditions :a. Contract must be profitable

b. Contract must be renewed
c. Payout will be made 3 months after expiry of contract
Note: This proposal is subject to approval of Management and Shariah Committee

COMPARISON between SMI PLAN GTT
and A-SME Plus-i GTT
SMI Plan GTT A-SME Plus-i GTT

(Existing SMI Packaging)
Basic Plan: Death Benefit for all causes Basic Plan: Death Benefit for all causes
Compulsory Riders - No extra contribution: Compulsory Riders - No extra contribution:

1.Total and Permanent Disability Benefit for all 1.Terminal Illness Benefit
causes 2.Repatriation Benefit
2.Permanent Partial Disability Benefit for all 3.Total and Permanent Disability Benefit for all
causes causes
4.Permanent Partial Disability Benefit for all
causes
Optional Riders - With extra contribution: Optional Riders - With extra contribution:
1.Non-accelerated Critical Illness Benefit 1.Non-accelerated Critical Illness Benefit
(50% of Basic Death Benefit) 2.Executive Screening

and A-SME Plus-i GTT
SMI Plan GTT

A-SME Plus-i GTT
Minimum Group Size 5-100 employee 5-150 employee
Max Entry Age : Up to 60 yrs old Max Entry Age : Up to 65 yrs old
Eligibility age Min Entry Age : 16 yrs old Min Entry Age : 16 yrs old
Renewable Age : Up to 65 yrs old Renewable Age : Up to 70 yrs old
12 months Pre-Existing
Not Applicable Applicable if headcount < 51
Conditions
Pre-Existing Conditions -
12 month of Pre-Existing Conditions
TPD/PPD Applicable.
- Applicable regardless of headcount
Free Cover Limit Not Applicable 11-150 employee : RM 200K
Wakalah Fee 30% (10% Direct Distribution Cost,

25% with 10% commission
20% Management Expense)

and A-SME PLUS-i GTT
SMI Plan GTT

A-SME Plus-i GTT
AIDS, suicide, misuse of drugs and

Exclusion - CI
alcohol, congenital conditions with AIDS
entry age of 2 years.
30 days: All others 30 days: All others
60 days: Coronary artery disease, 60 days: Cancer, heart attack,

Waiting Period - CI cancer, heart attack, other serious other serious coronary artery
coronary artery disease, coronary disease, coronary artery by-pass
by-pass surgery surgery
90 days: Carcinoma-in-situ
Pre-Existing Conditions - CI
Applicable. N/A
Take over - minimum group

Subject to management approval
size 25

COMPARISON between SMI PLAN GHS
with A-SME Plus-i GHS
SMI Plan GHS A-SME Plus-i GHS

Basic: Group Hospitalisation and Surgical Basic: Group Hospitalisation and Surgical
Care Benefit Care Benefit
Compulsory Riders: No extra contribution Compulsory Riders: No extra contribution

1.Compulsory Compassionate Allowance 1.Emergency Evacuation
Benefit of RM5,000 per Covered Member 2.Compulsory Compassionate Allowance
Benefit of RM10,000 per Covered Member (if
not combined with a Group Term Takaful
(GTT) Master Certificate).
Optional Riders: With extra contribution Optional Riders: With extra contribution
1.Out-Patient General Practitioner Benefit 1.Out-Patient General Practitioner Benefit
2.Out-Patient Specialist Benefit 2.Out-Patient Specialist Benefit
3.Out-Patient Diagnostic Services 3.Out-Patient Diagnostic Services
4.Executive Screening

SMI Plan GHS

A-SME Plus-i GHS
Minimum Group Size 5-100 employee 5-150 employee
Employee & Spouse Max Entry Age : Up Employee & Spouse Max Entry Age :
to 60 years old Up to 65 years old
Employee & Spouse Min Entry Age : 16 Employee & Spouse Min Entry Age :
years old 16 years old
Employee & Spouse Renewable Age : Up Employee & Spouse Renewable Age
Eligibility age to 65 years old : Up to 70 years old
Child Max Entry Age : Up to 23 years old Child Max Entry Age : Up to 23 years
if still studying, 19 years old otherwise old if still studying, 19 years old
otherwise
Child Min Entry Age : 30 days old Child Min Entry Age : 15 days old
LOG facility Applicable regardless of the contribution Only applicable if the medical
size contribution size is > RM10K
Issued for Admission + 60 days follow up No LOG for inner limit plans.
Issued for Admission only
Compassionate Allowance RM5K RM10K
SMI Plan GHS

A-SME Plus-i GHS
Active duty in arm force, direct

Illness or injury sustained during air participation in strikes, dental
Exclusions difference travel except travelling at a legal condition covers for direct
aircraft treatment of acute traumatic
injury or cancer
No. of days per disability for

120 days 180 days
RB/In Hospital Physician's visit
No. of days per disability for ICU 20 days 30 days
Government Daily Cash Allowance N/A Applicable
Accidental Dental Treatment N/A Applicable

DOCUMENT CHECKLIST

DOCUMENT CHECKLIST

GROUP APPLICATION FORM:
FORM A PART 1 (CONVENTIONAL)

FORM A PART 2 (CONVENTIONAL)

GOODS & SERVICES TAX (GST) COMPLIANCE AND
GST REGISTRATION FORM (CONVENTIONAL)

FORM A PART 1 (TAKAFUL OPTION)

FORM A PART 2 (TAKAFUL OPTION)

GOODS & SERVICES TAX (GST) COMPLIANCE AND
GST REGISTRATION FORM (TAKAFUL)

ENROLMENT/ CHANGE FORM:
FORM B (CONVENTIONAL)

ENROLMENT/ CHANGE FORM:
FORM B (TAKAFUL OPTION)

PERSONAL HEALTH DECLARATION FORM:
FORM C PART 1 (CONVENTIONAL)

FORM C PART 2 (CONVENTIONAL)

FORM C PART 1 (TAKAFUL)

FORM C PART 2 (TAKAFUL)

AIA CORP. CLIENT PORTAL ACCESS APPLICATION
FORM: FORM D PART 1 (CONVENTIONAL)

FORM: FORM D PART 2 (CONVENTIONAL)

FORM: FORM D PART 1 (TAKAFUL)

FORM: FORM D PART 2 (TAKAFUL)

LETTER OF UNDERTAKING (LOU) (CONVENTIONAL)

LETTER OF UNDERTAKING (LOU) (CONVENTIONAL)

LETTER OF UNDERTAKING (LOU)
(TAKAFUL)

LETTER OF UNDERTAKING (LOU)
(TAKAFUL)

Thank you

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A-SME Plus Product Training

(inclusive of TAKAFUL option, A-SME Plus-i)

Prepared by: Corporate Solutions Division

AIA confidential and proprietary information. Not for distribution.

These presentation slides have been prepared by

AIA confidential and proprietary information. Not for distribution.

AIA confidential and proprietary information. Not for distribution. 3

The concept of Tabarru is the main underlying principle in the

Tabarru' means "donation; gift.

AIA confidential and proprietary information. Not for distribution. 4

Contribution Surrender Value Participants Risk Fund

Wakalah Fee Takaful Operators Fund Reserves

50% Underwriting Surplus

Items A-SME Plus A-SME PLus-i

Payment: Is known as Premium Is known as Contribution

AIA confidential and proprietary information. Not for distribution. 7

For the Employer For the Employee

Takes care of your valuable Financial security for employee

AIA confidential and proprietary information. Not for distribution. 8

Maximum group size increased to 150 employees

Higher SI for GTL max at 300k

No Evidence Limit up to RM200,000 apply to group

AIA confidential and proprietary information. Not for distribution. 9

Basic Coverage: Group Health Plan

Basic Coverage: Group Term Life

AIA confidential and proprietary information. Not for distribution. 10

Applicable to companies with total workforce of between 5 to 150 employees.

AIA confidential and proprietary information. Not for distribution. 11

AIA confidential and proprietary information. Not for distribution. 12

AIA confidential and proprietary information. Not for distribution. 13

AIA confidential and proprietary information. Not for distribution. 14

AIA confidential and proprietary information. Not for distribution. 15

AIA confidential and proprietary information. Not for distribution. 16

Upon receipt of first year

4 LOU (letter of undertaking) Client to sign LOU

AIA confidential and proprietary information. Not for distribution. 17

AIA confidential and proprietary information. Not for distribution. 18

Where the Insured Employee IS NOT

Where the Insured Member IS

Where the Insured Member IS NOT

AIA confidential and proprietary information. Not for distribution. 21

Where the Insured Member IS

AIA confidential and proprietary information. Not for distribution. 22

AIA confidential and proprietary information. Not for distribution. 23

AIA confidential and proprietary information. Not for distribution. 24

Only one payment would be made

i.e. no second payment on the re-occurrence of a Critical

No benefit will be payable to the Insured Person who has

AIA confidential and proprietary information. Not for distribution. 25

There will be a waiting period of thirty (30) days from the

AIA confidential and proprietary information. Not for distribution. 26

AIA confidential and proprietary information. Not for distribution. 27

AIA confidential and proprietary information. Not for distribution. 28

AIA confidential and proprietary information. Not for distribution. 29

AIA confidential and proprietary information. Not for distribution. 30

AIA confidential and proprietary information. Not for distribution. 31

AIA confidential and proprietary information. Not for distribution. 32

AIA confidential and proprietary information. Not for distribution. 33

AIA confidential and proprietary information. Not for distribution. 34

AIA confidential and proprietary information. Not for distribution. 35

AIA confidential and proprietary information. Not for distribution. 36

Medical card with magnetic strip (i.e. swipe facility)

AIA confidential and proprietary information. Not for distribution. 37