Prepared by : rohani abd ghaper

Agent's Code : jas00081

Handphone No : 0127073367
Quotation Date : 10/May/2011

SUMMARY SHEET
PARTICIPANT DETAILS

Person Covered (PC)

Participant's Name : MUHAMMAD AFIQ DANISH BIN MOHAMAD KHAIRI
Date of Birth : 11/Jan/2010
Entry Age (Next Birthday): 2
Gender : M
Smoker : No
Occupation Class : 2

PAYOR DETAILS

Payor's Name (PY) : MOHAMAD KHAIRI BIN GHAZALI

Date of Birth : 10/May/1981
Entry Age : 30
Gender : M
Smoker : No
Occupation Class : 3

PLAN DETAILS

Type of plan : Sarjana

Term of Coverage : 18
Basic Sum Covered (RM): 69,953.62
Mode of payment : Monthly
SUMMARY OF PLAN AND
RIDERS

Sum Covered Contribution Contribution (RM)

Covered Term of
Plan/Riders (RM) / Benefit Payment Half
Person Coverage Monthly Quarterly Yearly
Type Term Yearly

1. Sarjana Plan 69,953.62 18 18 72.46 217.38 434.76 869.52

2. Hospital Benefit Rider (HBR) PC1 50.00 18 18 5.42 16.25 32.50 65.00
3. Payor Benefit Rider (PBR) with CI PY 16,822.08 18 18 2.12 6.06 11.97 23.80
TOTAL CONTRIBUTION 80.00 239.69 479.23 958.32

Illustrasi Pelan v3.1/01032011

 Prepared by : rohani abd ghaper
Agent's Code : jas00081
Handphone No. : 0127073367
Quotation Date : 10/May/2011

Takaful Sarjana
1. Participant Information
Participant's Name : MUHAMMAD AFIQ DANISH BIN MOHAMAD KHAIRI
Gender : M
Smoker : No
Date of Birth : 11/Jan/2010
Entry Age : 2 Next Birthday

2. Certificate Information
2.1 For Participant:
Sum
Contribution Profit
Term of Covered / Contribution Contribution Profit Sharing
Plan Name Payment Contribution Sharing to
Coverage Benefit Split to PA Split to PSA to Participant
Term Shareholder
Type
Takaful Sarjana 18 18 869.52 69,953.62 (refer to Table1) 80% 20%
Hospital Benefit Rider (HBR) 18 18 65.00 50.00 0% 100% 50% 50%
###
2.2 For Payor: ###
Sum
Contribution Profit
Term of Covered / Contribution Contribution Profit Sharing
Plan Name Payment Contribution Sharing to
Coverage Benefit Split to PA Split to PSA to Participant
Term Shareholder
Type
Payor Benefit Rider (PBR) with CI 18 18 23.80 16,822.08 0% 100% 50% 50%

Contribution Split (Table1): Certificate Percentage Percentage

Year PA PSA Term
1 0% 100% SC
2 10% 90% ###
3 50% 50% ###
4 to 18 75% 25% ### Payment Mode:
Contribution Mode : Yearly H
M
3. Basic Plan Illustration Q
Plan Type : Individual Family Takaful Plan Y
Description : i) This product is a 18-year regular contribution takaful plan that provides protection as well as accruing cash savings to the Participant.
ii) In the event of Death of the person covered due to Natural or Accidental causes; the sum covered and the accrued PA will be
payable by lump sum.
iii) In the event of TPD of the person covered due to Natural or Accidental causes, before age 65 years old, the sum covered will be
payable by five annual payments. Each of the first four annual payments will be 10% of sum covered and the fifth payment will be
60% of sum covered. The accrued PA will be refunded together with the first TPD payment.
iv) Upon Surrender of the Certificate; the accrued PA will be refunded.
v) Upon Maturity of the Certificate; the accrued PA and surplus (if any) will be payable.
vi) This plan participates in investment profit of the investment fund.

End of Guaranteed Non-Guaranteed

Certificate Contribution PSA PA Total Benefits
Year Death Total Investment Profit Accumulated PA ###
Benefit Contribution Scenario 1 Scenario 2 Scenario 1 Scenario 2 Scenario 1 Scenario 2 Wakalah
Contributed
Accumulated Death Benefit Accumulated Death
at Beg. of
Cash Value Cash Value Benefit
Year to PA
Year
(a) (b) (c) (d) (e) (f) (g) = (d)+(e) (h) = (d)+(f) (i) = (g) (j) = (c)+(g) (k) = (h) (l) = (c)+(h)
###
1 870 69,954 0 0 0 0 0 0 69,954 0 69,954 ###
2 870 69,954 87 2 4 89 91 89 70,042 91 70,044 ###
3 870 69,954 435 12 23 535 549 535 70,489 549 70,502 ###
4 870 69,954 652 26 53 1,214 1,254 1,214 71,167 1,254 71,208 ###
5 870 69,954 652 41 84 1,907 1,990 1,907 71,861 1,990 71,944 ###
6 870 69,954 652 57 117 2,616 2,759 2,616 72,569 2,759 72,713 ###
7 870 69,954 652 72 151 3,340 3,562 3,340 73,294 3,562 73,516 ###
8 870 69,954 652 88 186 4,080 4,401 4,080 74,034 4,401 74,354 ###
9 870 69,954 652 105 223 4,837 5,276 4,837 74,791 5,276 75,230 ###
10 870 69,954 652 121 262 5,611 6,190 5,611 75,564 6,190 76,144 ###
11 870 69,954 652 138 302 6,401 7,145 6,401 76,355 7,145 77,099 ###
12 870 69,954 652 156 345 7,209 8,142 7,209 77,163 8,142 78,095 ###
13 870 69,954 652 174 389 8,035 9,182 8,035 77,989 9,182 79,136 ###
14 870 69,954 652 192 435 8,879 10,269 8,879 78,833 10,269 80,223 ###
15 870 69,954 652 211 483 9,742 11,404 9,742 79,696 11,404 81,358 ###
16 870 69,954 652 230 533 10,624 12,589 10,624 80,577 12,589 82,543 ###
17 870 69,954 652 249 585 11,525 13,827 11,525 81,479 13,827 83,780 ###
18 870 69,954 652 269 640 12,446 15,119 12,446 82,400 15,119 85,072 ###
* The above figures are rounded to the nearest Ringgit Malaysia (RM) (E. & O. E.) ###

###
4. Notes ###
1. PA refers to Participant's Account (investment fund). ###
2. PSA refers to Participant's Special Account (tabarru' fund). ###
3. Total death benefits (j) or (l) will never be less than those in column PSA (c). ###
4. Notes no. 5 to 13 are applicable to products with savings (PA) portion only. ###
5. Accumulated PA illustrates the benefits payable based on the investment strategy for this type of plan and the takaful operator's current practices and assessment ###
of future experience in scenario 1 or scenario 2 investment profit scenarios. ###
6. The accumulated PA may fall below the total contributions in the PA, depending on the actual performance of the fund. ###
7. The investment profits illustrated here are for illustration purposes only and are NOT GUARANTEED. ###
8. The projected net investment profit shown in this illustration is net of 8% investment profit tax and proportionate to Allocation of Mudharabah. ###
9. The actual investment profit that would be declared may be more or less, depending on the operating and investment results experienced by the takaful operator.
10. Past actual performance is not a guide to future performance which may be different.
11. Projected Investment Profit:
Gross Net
Scenario 1 3.00% 2.21%
Scenario 2 6.00% 4.42%
12. Actual Annual Gross Investment Profit Rate of PA:
Financial Year Rate
1 Jul 2008 to 30 Jun 2009 5.30%
1 Jul 2007 to 30 Jun 2008 6.20%
1 Jul 2006 to 30 Jun 2007 6.30%
13. You should satisfy yourself that the plan serves your needs and that you can afford the contribution.
14. Death benefit is GUARANTEED as in the event of deficiency in tabarru' fund, takaful operator shall rectify the deficit through qard or outright transfer.
15. This is an illustration and not a contract. Complete terms, conditions and definitions of this Takaful Plan are specified in the Takaful Certificate.

5. Other Riders Description ###

Rider Name Description
Hospital Benefit Rider (HBR) i) This rider provides daily cash benefits to the participant upon admission to hospital due to Natural or ###
Accident causes.
Payor Benefit Rider (PBR) with CI i) In the event of Death/Total Permanent Disability (all causes) or upon diagnosis of any one of the 36 critical ###
illnesses ofterm
remaining the of
participant,
coverage.aBoth
sum basic
of basic
andand riders
riders (where applicable)
(applicable contributions
to child) remain will be
Inforce until waived for the
each
maturity
dates. List of critical illnesses is available under Appendix 1.

6. Appendix 1: List of 36 Ctirical Illnesses ###

1. Alzheimer'S Disease 19. Kidney Failure
2. Angioplasty 20. Loss Of Hearing
3. Aorta Surgery 21. Loss Of Independent Existance
4. Apallic Syndrome 22. Loss Of Limbs
5. Aplastic Anaemia 23. Loss Of Sight
6. Bacterial Meningitis 24. Loss Of Speech
7. Benign Brain Tumor 25. Major Burns
8. Brain Surgical 26. Major Head Trauma
9. Cancer 27. Major Organ Transplant
10. Cardiomyopathy 28. Motor Neurone Disease
11. Chronic Liver Disease 29. Multiple Sclerosis
12. Chronic Lung Disease 30. Muscular Dystrophy
13. Coma 31. Other Serious Coronary Artery Disease
14. Coronary Artery Disease 32. Paralysis
15. Encephalitis 33. Parkinson'S Disease
16. Fulminant Viral Hepatitis 34. Poliomyelitis
17. Heart Attack 35. Primary Pulmonary Arterial Hypertension
18. Heart Valve Replacement 36. Stroke
PRODUCT DISCLOSURE SHEET Etiqa Takaful Berhad (“Takaful Operator”)

Read this Product Disclosure Sheet before you decide to take TAKAFUL SARJANA
out the TAKAFUL SARJANA. Be sure to also read the general
terms and conditions. 10/May/2011

1. What is this product about?

Sarjana plan combines savings and coverage and is an effort to provide a special fund for Your child’s future education. The basic Sum
Covered is payable during the term of the certificate and You are expected to receive all Your savings including Mudharabah declared
upon maturity.
2. What are the Shariah concepts applicable?

Tabarru’
This plan applies Tabarru' concept, whereby the Participant agree to donate or contribute a specified portion from the contribution paid to
the Participant Special Account (Tabarru' Fund) for the purpose of mutual aid and assistance to the participants in case of need.
Any surplus arising from Tabarru’ Fund for this plan at the end of each financial year will be distributed on 20:80 bases between
Takaful Operator and the Participant. Takaful Operator receives 20% of surplus as an incentive for operating and for being
responsible for the management of Tabarru’ Fund. The balance of 80% will be accumulated and payable to the Participant upon
maturity.
Mudharabah
This plan also applies Mudharabah concept, whereby the Participant (act as capital provider) provides the contribution to Us (acts as
entrepreneur) to manage the Takaful Fund. If the Fund is profitable, the profit will be shared based on an 80%:20% basis between
Participant and Takaful Operator, respectively.

3. What are the covers / benefits provided?

Contribution Coverage
No Coverage / Benefit Benefit Payable Description
Payment Term Term
Upon Death of the Person Covered before the
expiry of the Takaful period due to natural or
accidental causes, the amount of Sum Covered
1 Death 69,953.62 18 18
and Participant Account (PA) together with
Mudharabah will be payable upon satisfactory
proof of death.

Upon TPD of the Person Covered due to natural

or accidental causes, before the expiry of the 18 or up to age
Takaful period and before age 65 years old, the 65 next
Total Permanent
2 69,953.62 amount of Sum Covered and PA together with 18 birthday;
Disability (TPD)
Mudharabah will be payable. whichever is
The disability must continue uninterruptedly for a earlier.
period of at least six (6) months.

Upon maturity, Participant will receive the whole

PA Accumulation and PSA accumulated amount in the PA including the
3 Maturity 18 18
Surplus (if any) Mudharabah and the surplus (if any) from the
Participant Special Account.
RM500 for UPSR with 5A
RM750 for PMR with 8A Participant will reward a sum of money from
Intellectual Award RM1,000 for SPM with min his/her academic execellent through UPSR,
4 18 18
Benefit 8A PMR, SPM or STPM examination. This benefit is
RM1,000 for STPM with min applicable on the first attempt only.
5A
Optional Riders PC PY Description PC PY PC PY
Upon hospitalization due to illness or injury,
1 Hospital Benefit 50.00 - benefits will be payable by a basis of 18 - 18 -
reimbursement only.

Upon death/TPD or upon diagnosis of any one of

Payor Benefit Rider Waiver of the thirty six (36) critical illnesses of the payor, all
2 - - 18 - 18
with Critical Illness Contribution future contribution payments will be waived while
the certificate continues for the Child.

Note:
Please refer to the quotation for the sum covered, term of coverage and contribution payment term details of Your certificate.

4. How much contribution do I have to pay?

The total contribution that You have to pay may vary based on underwriting decisions of the Takaful Operator on Your health and financial
conditions.
#N/A

5. What are the fees and charges that I have to pay?

Certificate related expenses such as commission and management expenses have been incorporated in Your total contribution. Should
You decide to terminate Your Certificate earlier within the coverage term, Your surrender value may be lower than Your total contribution
paid to cover for the above expenses.

6. What are some of the key terms and conditions that I should be aware of?

• Importance of disclosure – You must disclose all material facts such as medical condition, and state Your age correctly.
• Grace period – Your certificate may lapse if You do not pay Your contributions within thirty (30) days of the grace period.
• You should satisfy Yourself that the plan serves Your needs and that You can afford the contribution.

Note: This list is non-exhaustive. Please refer to the Takaful Certificate for the terms and conditions under this certificate

7. What are the major exclusions under this certificate?

Suicide
If the Participant, while sane or insane, Our liability shall be limited to the refund of the accumulated PA with Mudharabah

Note: This list is non-exhaustive. Please refer to the Takaful Certificate for the full list of exclusions under this certificate.

8. Can I cancel my certificate?

• Cancellation during cooling off period – You may cancel Your certificate by returning the certificate within fifteen (15) days from the
date of delivery of the certificate. The contributions that You have paid (less any medical fee incurred) will be refunded to You.
• Cancellation after cooling off period – You may cancel Your certificate and the accumulated cash amount from the contributions that
You have paid (if any) will be refunded to You.

9. What do I need to do if there are changes to my contact details?

It is important that You inform Us of any change in Your contact details to ensure that all correspondences reach You in a timely manner.

10. Where can I get further information?

Should You require additional information about Family Takaful, please refer to the insuranceinfo booklet on “Family Takaful”, available at
all Our branches or You can obtain a copy from the Takaful agent or visit website: www.insuranceinfo.com.my.

If You have any enquiries, please contact Us at:

Etiqa Takaful Berhad (266243-D)

(Registered under Takaful Act and Regulated by Bank Negara Malaysia)
Level 19, Tower C, Dataran Maybank,
No. 1, Jalan Maarof,
59000 Kuala Lumpur, Malaysia
Tel: 03-2297 3888 Faks : 03-2297 3800
Etiqa Oneline : 1 300 13 8888
Email: info@etiqa.com.my
Homepage: www.etiqa.com.my

11. Other similar types of cover available

Please refer to Our distributors for other similar types of cover available.

IMPORTANT NOTE:
PARTICIPATING IN A FAMILY TAKAFUL PLAN IS A LONG-TERM FINANCIAL COMMITMENT. YOU MUST CHOOSE THE TYPE OF
CERTIFICATE THAT BEST SUITS YOUR PERSONAL CIRCUMSTANCES. YOU SHOULD READ AND UNDERSTAND THE TAKAFUL
CERTIFICATE AND DISCUSS WITH THE TAKAFUL AGENT OR CONTACT THE TAKAFUL OPERATOR DIRECTLY FOR MORE
INFORMATION.

The information provided in this disclosure sheet is valid within 3 months after the issue date 10-May-2011.