Giro Takaful Premier. A plan that takes care of what matters most to you BSNMalaysia

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1 Giro Takaful Premier A plan that takes care of what matters most to you BSNMalaysia

2 A plan that takes care of what matters most to you It is everyone s dream to live a comfortable lifestyle. It is also inevitable that there are challenges which await us in our daily life and we need to do our best to ensure our lifestyle is not compromised. Indeed, growing your wealth and being financially protected is an ideal plan that you need to enjoy a secured lifestyle. You need a plan that takes care of what matters most to you, whether you are building an education fund, retirement fund or planning to perform Hajj or Umrah. You may also be able to plan ahead and enjoy spending time with your loved ones. Giro Takaful Premier offers a complete investment, savings and protection plan for your life plans. With Giro Takaful Premier, you will receive a cash payout every two years, enjoy life and financial protection as well as have spiritual guidance information at fingertips that takes care of all that matters the most to you.

3 Taking care your life plans at a glance Savings & cash payout Accumulate your savings through CashBuilder with cash payout every two years. Optimise potential investment returns Optimise your investments via investing in the Takafulink Funds. Protection Ease financial burden with Death or Total and Permanent Disability (TPD) Benefit, Double Takaful Benefit, Badal Hajj Benefit and Compassionate Benefit. Extend your coverage in medical, critical illness and other life protection benefits for total peace of mind. PruBSN Insan Guides you to a remarkable spiritual journey with information at your fingertips.

4 It pays when you plan ahead CashBuilder is a saving instrument that can assist you in planning ahead to ensure you enjoy the lifestyle you want, where it is invested in Cash Unit Account (CUA) and Investment Unit Account (IUA). One portion of the CashBuilder provides cash payout every two years for better financial planning with the amount that you decide to have. You may decide whether to accumulate the cash payout in your Cash Unit Account (CUA) for higher cash value or auto-transfer the amount to your Tabung Haji account or personal savings account if you are planning to perform Hajj or Umrah or your other quests in life. In order to optimise your investment growth, the other portion provides potential returns through investment in Takafulink Dana Ekuiti.

5 Below is an illustration of how Giro Takaful Premier with CashBuilder rewards you in the long run. Cash Unit Account (CUA) RM30 Investment Unit Account (IUA) RM20 CashBuilder monthly contribution = RM50 RM500 cash payout every two years (auto-transfer to Tabung Haji* / savings account) * This option is applicable to Muslim customers only. Total cash payout over 30 years = RM7,500 Maturity amount from CUA at year 30 = RM3,300 Potential investment return Total projected cash value (excluding total cash payout and maturity amount from CUA) at year 30: Scenario 1 = RM63,614 Scenario 2 = RM30,751 Giro Takaful Premier Protection Unit Account (PUA) RM100 Basic monthly Contribution = RM100 Note: The above diagram is for illustration purposes only based on male, 30 years old, and non-smoker with sum covered of RM100,000 and RM500 cash payout for every two years. The total projected cash value from your investment portion is based on investment in the Takafulink Dana Ekuiti, Takafulink Dana Urus and Takafulink Dana Simpanan and is not guaranteed. Scenario 1 and 2 are based on a gross growth rate of 9% and 2% for Takafulink Dana Ekuiti; 8% and 3% for Takaful Dana Urus and 2.42% and nil for Takafulink Dana Simpanan respectively. That s not all. Your savings through CashBuilder entitles you for series of lucky draws carried out by Bank Simpanan Nasional (BSN) through their Sijil Simpanan Premium (SSP)** draws, thus giving you opportunities to win attractive prizes! ** SSP is a Shariah-compliant product approved by the Shariah Committee of Bank Simpanan Nasional. Subject to terms and conditions.

6 Protection on what matter the most Basic Coverage Sum covered in the event of loss of life or Total and Permanent Disability (TPD). Compassionate Benefit Provides RM2,000 for funeral expenses in the event of death. Badal Hajj In the event that you are incapable of performing Hajj due to loss of life or TPD, the Badal Hajj benefit opens up the possibility for your nominee to perform Hajj on your behalf with amount payable of RM3,000. For non-muslim customers, this benefit is payable as additional compassionate benefit. Double Takaful Benefit Double basic sum covered amount in the event of loss of life or TPD during any Hajj or Umrah trip. Enhanced Benefits Choice to enhance your plan to complement your life style and needs with additional coverage on medical, critical illness, accidental death or disability.

7 Experience speed through technology PruBSN Insan is a mobile app that is designed to guide you to a remarkable spiritual journey. Download Now! Available in Google Play & Apple App Store!

8 About Giro Takaful Premier What is Giro Takaful Premier? Giro Takaful Premier is a regular contribution investment-linked takaful plan that provides you with investment, savings and protection. How much is the contribution? The minimum contribution is RM150 per month including the contribution of CashBuilder. The contribution for the CashBuilder is based on the cash payout amount. Who is eligible for this plan? The plan is open to individuals aged between 19 and 70 years old. The expiry age of the plan is 80 years old. Age refers to Age Next Birthday. What are the charges and deductions? The details of charges and deductions are listed in the table below. All charges are not guaranteed. PruBSN reserves the right to change the rates by giving prior notice to customers. Type of Charges and Deductions Upfront wakalah charge Details This charge allows us to pay commission and distribution related expenses as well as management expenses. The percentage below is based on term 20 years or more. For term less than 20 years, you may refer to the Plan Illustration. Certificate year Upfront wakalah charge 7 & & 6 above 65% 40% 30% 20% 10% 0% For CashBuilder, the upfront wakalah charge is 5% throughout the certificate term for contribution that is allocated into the IUA only. There is no wakalah charge for contribution that is allocated into the CUA.

9 Type of Charges and Deductions Asset management charge Details This is charged on a daily basis from your investment account value for your investment management expenses. Takafulink Dana Ekuiti Takafulink Dana Urus Takafulink Dana Bon Takafulink Dana Simpanan 1.5% p.a. 1.3% p.a. 0.5% p.a. Not Applicable Service charge This is charged for certificate servicing expenses. Payment method Cash / cheque Others Charge RM6 per month RM5 per month Top-up charge Fund switching charge Tabarru We charge 5% on every single contribution top-up. On top of that, for each top-up of less than RM5,000, there will be an additional charge of RM25. We provide four free switches every year. For any subsequent switches within the year, the switch charge is set at 1% of the amount switched (subject to maximum of RM50). We deduct an amount each month from your protection account based on your age, gender, sum covered, occupational class and smoking status. Tabarru means a donation of a specified portion from the contribution into the Tabarru Fund for the purpose of mutual aid and assistance among fellow participants according to the agreed benefits under the plan.

10 Important Notes 1. 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. 2. This brochure does not form a contract between you and Prudential BSN Takaful Berhad (PruBSN). Please refer to the Plan Illustration, Product Disclosure Sheet and Fund Profile before participating in the plan. 3. The contribution amount for CashBuilder will be allocated in a pre-defined amount between IUA and CUA. The cash payout is payable from CUA which is invested in Takafulink Dana Simpanan and we reserve the right at any time to change the underlying investment of Takafulink Dana Simpanan. 4. The chosen funds for CashBuilder are fixed and cannot be changed. However, fund switching is allowed for IUA of Takafulink Dana Ekuiti. 5. The cash payout is non-guaranteed and may be subjected to be pro-rated upon any non-payment of contribution. 6. The SSP Draw is subject to the availability as offered by Bank Simpanan Nasional. 7. The investment profit is only declared at the end of every 12 months for each contribution paid to CUA, provided that each contribution paid has not been withdrawn by you or made as cash payout by us. 8. The investment returns from your PUA, IUA and profit rate from CUA will be based on the actual performance of the fund and it is not guaranteed. 9. The investment risk of your fund is borne solely by you and the benefits may be less than your total contributions paid. 10. If you cease paying contribution, your coverage might terminate prematurely. 11. The contribution and Tabarru rates are not guaranteed. PruBSN reserves the right to revise the contribution rates and/or Tabarru by giving 90 days written notice.

11 12. For Giro Takaful Premier, you are entitled to tax relief in respect of your contribution up to RM6,000. Any tax relief is subject to terms and conditions of Inland Revenue Board (IRB). 13. Giro Takaful Premier does not provide any benefit amount from the Tabarru Fund on termination, expiry or maturity of certificate. 14. Giro Takaful Premier is based on Wakalah Bil Ajr model which is an arrangement for PruBSN to manage your takaful plan. Your contribution will be placed in PUA, IUA and CUA after deducting a wakalah charge which constitutes the fee for the overall management services provided. The takaful protection comes from the Tabarru Fund. 15. You are entitled to receive any distributable surplus inclusive of investment profit (if any) arising from Tabarru Fund at the end of each financial year. Together with other participants, you are entitled to at least 50% of the surplus and PruBSN will receive the balance of up to 50% as incentive for managing the Tabarru Fund. Your portion of the distributable surplus will be placed back into your PUA. The exact amount of distributable surplus will be determined annually and is subject to approval by both the Shariah Committee and the Board of Directors of PruBSN. Exclusions Giro Takaful Premier does not cover any of the following situations: 1. Death is caused by suicide within one year from the date of certificate. 2. TPD is directly or indirectly caused by attempting suicide or self-inflicted bodily injuries while sane or insane. 3. TPD is directly or indirectly caused by engaging in aerial flights (including parachuting and skydiving) 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. The exclusion and limitations above are not exhaustive and you should refer to the certificate document for further information.

12 Takafulink Funds are invested in Shariah-approved shares and securities. Giro Takaful Premier is a Shariah-compliant product. This plan is underwritten by: For further information, please contact: Prudential BSN Takaful Berhad is a registered Takaful Operator under the Islamic Financial Services Act 2013 and is regulated by Bank Negara Malaysia. For more information/enquiries, please contact: Prudential BSN Takaful Berhad ( H) Level 8A, Menara Prudential, No. 10, Jalan Sultan Ismail, Kuala Lumpur. Tel: Fax: customer@prubsn.com.my log on: Bank Simpanan Nasional Wisma BSN, 117 Jalan Ampang, Kuala Lumpur Tel: Important: You are responsible to ensure that you are satisfied that this product will best serve your needs and that the contribution payable under the certificate is an amount that you can afford. All information is correct at the time of print. Printed 1 April 2016.