TAKAFULINK. Why Choose TAKAFULINK Plan? How TAKAFULINK Can Benefit You

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1 TAKAFULINK

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3 TAKAFULINK Life is ever changing. Some things in life are beyond our control. Yet, there are also things that we can plan for. We must not merely plan, but we must conjure up the best plan so that it can help us to face the changes and challenges as we go through different stages in our lives. As we move into each stage, we need some flexibility to manage this change. Without flexibility, planning for a change can be quite a challenge. You can now face this challenge with Takafulink! Takafulink is a Family Takaful Plan that gives you the freedom of protection and Shariah approved investments without prejudice until the expiry age of 80. You decide how your money works for you. Takafulink provides you peace of mind with proper financial protection to invest in any of our 8 investment funds, namely MAA Takaful Shariah Growth Fund, MAA Takaful Shariah Balanced Fund, MAA Takaful Shariah Income Fund, MAA Takaful Shariah Flexi Fund, MAA Shariah Growth 2, MAA Shariah Balanced 2, MAA Shariah Income 2 and MAA Shariah Flexi 2. Uniquely, it offers both protection and discipline approach to save regularly under the same plan as it can work harder for you than placing deposits in traditional savings account. Your contributions are pooled and managed by a team of professionals, with the aim of delivering attractive investment returns. With Takafulink, there are 2 *options available for the customer which are Takafulink with Increasing Basic Sum Covered or Takafulink with Decreasing Basic Sum Covered. Note: *This feature is optional to the customer at the point of inception. Why Choose TAKAFULINK Plan? Takafulink Plan is an Investment-Linked Family Takaful Plan which has been specifically designed to overcome your financial uncertainties in life and to allow you to maximize your total returns, added with an opportunity to enjoy higher income. With just RM50 a month, you are on the way to secure the future that you have long desired with the financial protection that you need in case of any mishaps. How TAKAFULINK Can Benefit You It provides you with a guaranteed ¹Death & Total Permanent Disability benefit. Upon Death or Total Permanent Disability (TPD) of the person covered, the Sum Covered and 2 Participant Investment Account (PIA) are payable and the coverage will cease. It is a plan that provides 24-hours protection with Worldwide Coverage. Affordable Contribution payable in monthly, quarterly, semi-annual and annual mode. Payment Channel Cash, Cheque, Credit Card, Easy Pay (Credit Card Auto Debit), MAA Takaful ATM Machine, Over-the-Counter (MAA Takaful Branches or Head Office), BSN Giro, Biro Angkasa, Bank Standing Instruction, Salary Deduction and Internet Banking. The contribution paid may qualify for a personal tax relief up to RM6,000 a year (subject to the final decision of Inland Revenue Board of Malaysia). Surplus Sharing every Participant is entitled to share the surplus if any, from the 3 Participant Risk Investment Account (PRIA) with the Takaful Operator based on 50:50 sharing ratio. 100% of investment profit earned, net of tax, less the Wakalah Tharawat Fee (Fund Management Fee) will remain in the PIA for the benefit of the Participant. There will be no further sharing of the investment profit arising in the PIA with Shareholders. Note: ¹Death and Total Permanent Disability benefit is guaranteed, given the PIA balance is sufficient to pay for Tabarru deduction. Tabarru shall mean a donation and it is the amount that the Participant agrees to relinquish to assist other Participants who are participating in the Takaful plan to pay for the Takaful Benefits. 2 Participant Investment Account (PIA) is an individual investment account used for generating profits. PIA value is based on the actual performance of the fund and it is not guaranteed. 3 Participant Risk Investment Account (PRIA) is a risk fund where the donation will be credited and invested in Shariah compliant investments by the Takaful Operator.

4 Eligibility Person Covered: Anyone from the age of 30 days up to age 69 years old. Participants/Applicant: Anyone from the age of 18 years and above. Wakalah Model MAA Takaful Berhad operates under the principle of Wakalah, whereby the Takaful Operator acts as an agent to the Participant for managing the operations of the Takaful business. A Wakalah Fee will be charged up-front from the contributions paid. Tabarru (donation) will be deducted to the PRIA, where it will be used for mutual aid and assistance, based on the concept of Takaful. The benefits are paid from the PRIA only upon a covered loss, and not upon maturity or surrender of the certificate. Surplus Sharing (if any) at the end of each financial year will be shared between the Participant and MAA Takaful Berhad at 50:50 ratio. The investment profit earned on the PIA is derived from the return on underlying assets and MAA Takaful Berhad charges a Wakalah Tharawat Fee (Fund Management Fee) for managing these assets. The investment risk in PIA is fully borne by the Participant. 100% of investment profit earned, net of tax, less the aforementioned Wakalah Tharawat Fee will remain in the PIA for the benefit of the Participant. There will be no further sharing of the investment profit arising in the PIA with Shareholders. Enjoy maximum benefits with TAKAFULINK: Protection You have a choice of how much protection you need which is called the Basic Sum Covered. The Basic Sum Covered can be increased or decreased subject to current underwriting requirements. In the event of Death prior to age 80, both the Basic Sum Covered and the remaining balance of PIA will be payable. Should TPD occur before age 70, both the Basic Sum Covered and the remaining balance in PIA will be payable. The PIA value will fluctuate based on the underlying performance of the Takafulink funds and is not guaranteed. Investment Account Your contributions net of Wakalah Fee will be allocated to the PIA, which is an individual investment account used for generating profits. The contributions will be invested in MAA Takaful Shariah Funds. Monthly Tabarru will be charged from PIA to the PRIA. PRIA is a pooled risk fund where the participant will contribute on a Tabarru (Donation) basis. The Death and TPD benefit is payable from this fund. The PIA account is subject to Wakalah Tharawat Fee (Fund Management Fee) of 1%-1.5% per annum depending on the type of fund. At maturity age of 80, the PIA will be paid to the Participant. Total Flexibility You may opt to stop paying your contributions and still enjoy the valuable protection of Takafulink, as long as there are sufficient units in your PIA account to pay for the PRIA charges. Takafulink can be yours for as little as RM100 a month or RM1200 a year. You have the flexibility to pay the contributions monthly, quarterly, half-yearly or annually. *Options Available Option 1: Increasing Basic Sum Covered With Takafulink, starting from the 2 nd certificate years and until maturity, the Basic Sum Covered will increase at a rate of 1% per annum of the initial Basic Sum Covered. Option 2: Decreasing Basic Sum Covered With Takafulink, starting from the 2 nd certificate years, the Sum Covered will decrease at a rate of 1% per annum of the initial Basic Sum Covered. The decreasing pattern will cease once the Sum Covered reaches 50% of the initial Basic Sum Covered. Thereafter, the Basic Sum Covered remains at the 50% level till maturity. Note: * This feature is optional to the customer at the point of inception.

5 Fund Options You have the option of choosing any of the following MAA Takaful Shariah Funds which best suit your investment objective and risk tolerance level: MAA Takaful Shariah Growth Fund The fund seeks to provide capital growth over the medium to long-term through investments in a diversified portfolio of Shariah-approved equities with high growth potential. Suitable for participants with high risk tolerance level. MAA Takaful Shariah Balanced Fund The fund aims to provide a stable income and potential capital appreciation over the medium to long term investment horizon. Suitable for participants with moderate to high level of risk tolerance. MAA Takaful Shariah Income Fund The fund aims to provide a stable level of income. Suitable for participants with low to moderate risk tolerance level. MAA Takaful Shariah Flexi Fund The fund seeks to provide a positive return over medium to long-term investment horizon given the flexibility of the asset allocation. Suitable for participants with moderate to high risk tolerance level. MAA Shariah Growth 2 The fund aims to provide capital growth over the medium to long term investment horizon. Suitable for participants who have high risk tolerance level. MAA Shariah Balanced 2 The fund aims to provide a stable income and potential capital appreciation over the medium to long term investment horizon. Suitable for participants with moderate to high level of risk tolerance. MAA Shariah Income 2 The fund aims to provide a stable level of income. Suitable for participants with low to moderate risk tolerance level. MAA Shariah Flexi 2 The fund aims to generate capital appreciation over medium to long term investment horizon given the flexibility of the asset allocation. Suitable for participants with moderate to high risk tolerance level.

6 TAKAFULINK Fees & Charges: Tabarru Cerificate Fee Switching Fee Reinstatement Fee Wakalah Fee Regular & Irregular Top-Up Service Fee Irregular Top-Up Wakalah Tharawat Fee (Fund Management Fee) Surrender Charge Partial Withdrawal Charge : Based on age, gender, Basic Sum Covered and any additional loadings if necessary. : RM6 per month for all methods of contribution payment. : FREE fund switching throughout the certificate years. : RM50 per reinstatement : 5% of the Regular and Irregular Top-Up amount. : RM25 for every Irregular Top-Up. The allocated 95% of Total Irregular Top-Up minus RM25 is available for PIA. : 1% - 1.5% per annum, determined based on the weighted average of total gross assets of each MAA Takaful Shariah Funds. : NIL. : RM50 per withdrawal. 1 Wakalah Fee Certificate Year 2 Wakalah Fee 1 60% 2 50% 3 30% 4 30% 5 20% There are no charges on full surrender of the plan. A partial withdrawal or full surrender of an investment plan may be made by redeeming the available units in PIA. The PIA value will fluctuate based on the underlying performance of the MAA Takaful Shariah fund(s) and it is not guaranteed. The Takaful Operator maintains the right to revise the fees and charges by giving participants a 3-months written notice prior to any changes made. 6 20% Thereafter 0% Total 210% Note: ¹Wakalah Fee shall mean the fee charged by the Takaful Operator as an agent of the Participant for managing the operations of the Takaful business. ²Additional 2% will be added to the Wakalah Fee above for payment made under BIRO ANGKASA. TAKAFULINK Contribution Allocation: The contributions paid are allocated based on the following allocation rates (example based on annual contribution of RM1,000) Year Thereafter Contribution Amount (RM) 1,000 1,000 1,000 1,000 1,000 1,000 1,000 Contribution Allocation 40% 50% 70% 70% 80% 80% 100% Allocated Contribution (RM) ,000 Wakalah Fee (RM) The allocated contributions will be used to purchase units in the MAA Takaful Shariah Funds of your choice. In the example above, in Year 5, RM800 will be used to purchase units, of which some of these units will be deducted to pay for the fees and charges under the certificate. A proportion of unallocated contributions is used to pay for intermediaries commission.

7 FREQUENTLY ASKED QUESTIONS Who is Eligible? Takafulink is available for EVERYBODY aged between 30 days and 69 years old; however, the participant must be at least 18 years old. How much is the contribution? Takafulink can be yours for as little as RM100 a month or RM1200 a year. You have the flexibility to pay the contributions monthly, quarterly, half-yearly or annually. What are the available options? You may opt to stop paying your regular contribution and still enjoy the protection of Takafulink as long as there is sufficient PIA value to pay for tabarru. In the event of insufficient PIA value to pay for the tabarru, the certificate shall lapse. The certificate can be reinstated and subject to a reinstatement fee of RM50. Takafulink gives you added flexibility to top-up on a regular basis with Takaful Saver Regular Top-up, which starts from as low as RM10 a month, whilst giving you 95% contribution allocation. In addition, you also have the flexibility to top-up (Irregular Top-up) your investment at any time with a minimum lump sum payment of RM500 also at 95% contribution allocation, with an additional RM25 fee. These top-up facilities are available to you to maximize your investment value. In addition, the Participant will also have the facility to switch all or some of the allocated units of the Investment Account in a particular MAA Takaful Shariah Funds to other Shariah funds, free of charge. You may exercise partial withdrawal at any time subject to a minimum withdrawal amount of RM500 and a minimum balance of RM1,000 in the PIA fund subject to partial withdrawal fee of RM50. What are the extended benefits/riders that can be attached? There is a wide range of extended benefits available to be attached to Takafulink. You may refer to your consultants for further details. How do I make a claim on the certificate? In the event of claim, please notify Takaful Operator in writing and we shall send the necessary claim forms. Written notification must be done within 90 days from the date of the incidents. Can I surrender my certificate? Yes, you can surrender your certificate. The PIA value is payable when you surrender your certificate. The PIA value is not guaranteed. You will be deemed to have terminated your Takaful Benefit/Coverage and no benefits will be paid from the PRIA. Is there any surrender charge imposed to my certificate? No, there will be no surrender charges imposed to your certificate. What about valuation of unit price? The unit price is valued at the end of each business day. It is derived by dividing the Net Asset Value on the business day before the Valuation Date by the number of units in issue of the relevant MAA Takaful Shariah Investment-linked Funds. Does the contribution paid entitle to Tax Relief? Contributions paid are entitled to Tax Relief in additional to your other Takaful/life insurance. Tax relief per individual is up to RM6,000, subject to final decision of Inland Revenue Board of Malaysia.

8 EXCLUSIONS ¹Exclusion for Death Benefit Death from suicide within one (1) year from the commencement date or date of increase in the Sum Covered, whichever is later, whether the Person Covered is sane or insane, shall limit the Takaful Operator s liability to the PIA value on the date of the death calculated according to the Unit Price on the immediate next Valuation Date following the date of death. ¹Exclusion for Total Permanent Disability Benefit a. Self-destruction or any attempt thereat while sane or insane: b. Armed forces service in time of declared or undeclared war or while under orders for warlike operations or restoration of public order; c. Entering, operating or servicing, riding in or on, ascending or conveyance except while the Person Covered is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route. Note: 1 The above exclusions are not exhaustive and cross reference may be made to the exclusion clause of the Certificate Contract. Juvenile Lien In the event of the person covered s death/tpd prior to his or her attaining the age of 5 years old, the amount payable under the Certificate shall be in accordance with the following schedule. Age of Death/TPD (Last Birthday) Percentage (%) of Sum Covered Payable 0 year 20 1 year 40 2 years 60 3 years 80 4 years 100

9 TAKAFULINK Kehidupan sentiasa berubah-ubah. Beberapa perkara dalam hidup kadang kala melangkaui kawalan kita. Namun, ada juga perkara-perkara yang boleh dirancang. Kita bukan hanya merancang, tetapi mesti menjadikannya satu kenyataan supaya ia boleh membantu kita menghadapi perubahan dan cabaran yang dilalui dalam pelbagai tahap yang berbeza dalam hidup. Bagi melaluinya, fleksibiliti diperlukan untuk menguruskan perubahan ini. Tanpa fleksibiliti, persediaan untuk menghadapi sesuatu perubahan mungkin menjadi satu cabaran yang sukar. Kini anda boleh menghadapi cabaran ini dengan Takafulink! Takafulink adalah satu Pelan Takaful Keluarga yang memberi anda kebebasan perlindungan dan pelaburan yang diluluskan Shariah tanpa prejudis sehingga tarikh matang pada umur 80. Anda yang menentukan bagaimana wang simpanan anda diuruskan. Takafulink menyediakan anda ketenangan dengan perlindungan kewangan sesuai untuk melabur dalam mana mana 8 dana pelaburan kami, iaitu Dana Shariah Growth MAA Takaful, Dana Shariah Balanced MAA Takaful, Dana Shariah Income MAA Takaful, Dana Shariah Flexi MAA Takaful, Dana Shariah Growth II MAA Takaful, Dana Shariah Balanced II MAA Takaful, Dana Shariah Income II MAA Takaful dan Dana Shariah Flexi II MAA Takaful. Ianya unik kerana ia menawarkan perlindungan serta kaedah menabung secara tetap yang berdisiplin. Pelan ini menghasilkan pulangan yang lebih baik jika dibandingkan dengan deposit yang disimpan dalam akaun simpanan. Sebahagian daripada caruman anda dikumpul dan diurus oleh para profesional yang bermatlamat menawarkan keuntungan pelaburan yang menarik Dengan Takafulink, terdapat 2 *pilihan tersedia untuk pelanggan iaitu, Takafulink dengan kadar kenaikan berkala ke atas Jumlah Asas Yang Dilindungi dan Takafulink dengan kadar penurunan berkala ke atas Jumlah Asas Yang Dlilindungi. Nota: *Ciri-ciri tersebut adalah atas pilihan pemohon apabila pemohon bersetuju untuk menyertai pelan perlindungan ini. Mengapa Pelan TAKAFULINK? Pelan Takafulink merupakan Pelan Takaful Keluarga Berkaitan Pelaburan yang dirangka khusus untuk mengatasi ketidakpastian hidup serta memaksimakan jumlah pulangan anda sambil membuka peluang untuk menjana pendapatan yang lebih tinggi. Dengan hanya RM50 sebulan, anda menjamin masa depan yang anda impikan serta perlindungan kewangan yang anda perlukan sekiranya perkara yang tidak diingini berlaku. Bagaimana TAKAFULINK dapat memberi manfaat kepada anda? Pelan ini memberikan anda ¹Manfaat Kematian & Hilang Upaya Keseluruhan dan Kekal yang dijamin. Sekiranya berlaku Kematian & Hilang Upaya Keseluruhan dan Kekal, Jumlah Perlindungan dan 2 Akaun Pelaburan Peserta (PIA) akan dibayar dan perlindungan akan tamat. Perlindungan 24-jam di seluruh dunia. Pembayaran caruman yang berpatutan dilakukan secara bulanan, suku tahun, setengah tahun, atau tahunan. Cara bayaran yang mudah: Tunai, Cek, Kad Kredit, Easy Pay (Auto Debit daripada Kad Kredit), Mesin ATM MAA Takaful, Pembayaran di Kaunter (Cawangan MAA Takaful atau di Ibu Pejabat), BSN GIRO, Perintah Arahan Tetap dari Bank, Sistem Potongan Gaji dan Perbankan Internet. Caruman yang dibayar layak untuk pelepasan cukai peribadi sehingga RM 6,000 setahun (tertakluk kepada keputusan muktamad Lembaga Hasil Dalam Negeri (LHDN). Perkongsian Lebihan Anda layak berkongsi lebihan sekiranya ada, daripada ³Akaun Pelaburan Risiko Peserta (PRIA) dengan Pengendali Takaful berdasarkan kepada nisbah perkongsian 50: % keuntungan pelaburan selepas cukai, ditolak dengan Yuran Wakalah Tharawat (Yuran Pengurusan Dana) akan kekal di dalam PIA untuk manfaat Peserta.Tiada perkongsian ke atas sebarang keuntungan yang ada di dalam PIA dengan pemegang saham. Nota: ¹Manfaat Kematian & Hilang Upaya Keseluruhan dan Kekal adalah dijamin, dengan syarat baki di dalam PIA adalah mencukupi untuk membayar potongan Tabarru. Tabarru bermaksud menderma jumlah yang telah dipersetujui oleh Peserta untuk membantu Peserta lain yang menyertai Pelan Takaful untuk membayar manfaat Takaful. ² Akaun Pelaburan Peserta (PIA) adalah akaun pelaburan individu yang bertujuan untuk menjana keuntungan. Nilai PIA adalah berdasarkan kepada prestasi sebenar dan ianya tidak dijamin. ³ Akaun Pelaburan Risiko Peserta (PRIA) adalah dana risiko dimana derma itu akan dikreditkan dan dilaburkan berlandaskan Shariah oleh Pengendali Takaful.

10 Kelayakan Orang Yang Dilindungi: Sesiapa sahaja yang berumur di antara 30 hari sehingga 69 tahun. Peserta/Pemohon: Sesiapa sahaja yang berumur di antara 18 tahun ke atas. Model Wakalah MAA Takaful Berhad beroperasi di bawah prinsip Wakalah di mana Pengendali Takaful selaku agen mengendalikan operasi perniagaan Takaful kepada Peserta. Yuran Wakalah akan dikenakan sekali bersama dengan caruman yang dibayar. Jumlah Tabarru akan dimasukkan ke dalam PRIA dimana ia akan digunakan untuk membantu Peserta lain berdasarkan Konsep Takaful. Manfaat akan dibayar dari PRIA hanya untuk kerugian yang dilindungi, dan dan bukanlah semasa Sijil matang atau penyerahan Sijil. Lebihan pada setiap akhir tahun kewangan (jika ada) akan dikongsi di antara Peserta dan MAA Takaful Berhad mengikut nisbah 50:50. Keuntungan daripada pelaburan yang diperolehi daripada PIA adalah berdasarkan kepada aset yang disandarkan dan MAA Takaful Berhad akan mengenakan bayaran Yuran Wakalah Tharawat (Yuran Pengurusan Dana) untuk menguruskan aset tersebut. Risiko pelaburan di dalam PIA ditanggung sepenuhnya oleh Peserta. 100% keuntungan pelaburan selepas cukai akan kekal di dalam PIA untuk manfaat Peserta. Tiada perkongsian ke atas sebarang keuntungan yang ada di dalam PIA dengan pemegang saham. Nikmati manfaat maksimum dengan TAKAFULINK: Perlindungan Akaun Pelaburan Jumlah Fleksibiliti *Pilihan yang ada Anda boleh memilih jumlah perlindungan yang diperlukan, iaitu Jumlah Asas Dilindungi. Jumlah ini boleh ditambah atau dikurangkan tertakluk kepada proses taja jamin semasa. Sekiranya berlaku Kematian sebelum umur 80 tahun, kedua-dua Jumlah Asas yang Dilindungi dan baki di dalam PIA akan dibayar. Sekiranya Hilang Upaya Keseluruhan dan Kekal dialami sebelum umur 70 tahun, kedua-dua Jumlah Asas yang Dilindungi dan baki di dalam PIA akan dibayar. Nilai PIA akan berubah-ubah mengikut prestasi Dana Takafulink dan ianya tidak dijamin. Caruman anda selepas ditolak Yuran Wakalah akan diperuntukkan untuk PIA, iaitu akaun pelaburan yang bertujuan untuk menjana keuntungan. Caruman anda akan dilaburkan ke Dana Shariah MAA Takaful. Tabarru bulanan akan dicajkan dari PIA ke PRIA. PRIA adalah dana risiko terkumpul dimana para peserta akan membuat caruman berdasarkan Tabarru (derma). Manfaat Kematian dan Hilang Upaya Keseluruhan dan Kekal adalah dibayar daripada dana ini. Akaun PIA ini adalah tertakluk kepada Yuran Wakalah Tharawat ( Yuran Pengurusan Dana) iaitu 1%-1.5% setahun bergantung kepada jenis dana. Pada usia matang pada umur 80 tahun, PIA akan dibayar kepada Peserta. Anda boleh memilih untuk berhenti membayar caruman anda dan tetap menikmati perlindungan bernilai Takafulink, selama mana unit-unit mencukupi dalam PIA anda bagi membayar caj-caj PRIA. Takafulink boleh menjadi milik anda melalui caruman serendah RM100 sebulan atau RM1200 setahun. Anda mempunyai fleksibiliti bagi membayar caruman dalam bulanan, suku tahunan, setengah tahun atau tahunan. Pilihan 1: Kenaikan secara berkala ke atas Jumlah Asas Yang Dilindungi Dengan Takafulink, bermula dari tahun sijil ke 2 sehingga sijil matang, Jumlah Asas Yang Dilindungi akan meningkat secara berkala pada kadar 1% setahun daripada Jumlah permulaan Perlindungan Asas. Pilihan 2: Penurunan secara berkala ke atas Jumlah Asas Yang Dilindungi Dengan Takafulink, bermula dari tahun sijil ke 2, Jumlah Asas Yang Dilindungi akan menurun secara berkala pada kadar 1% setahun daripada Jumlah permulaan Perlindungan Asas. Corak penurunan ini akan tamat sebaik sahaja Jumlah Perlindungan mencapai 50% daripada Jumlah permulaan Perlindungan Asas. Seterusnya, Jumlah Perlindungan akan kekal pada tahap 50% sehingga sijil matang. Nota: * Ciri-ciri tersebut adalah atas pilihan pemohon apabila pemohon bersetuju untuk menyertai pelan perlindungan ini.

11 Pilihan Dana Anda mempunyai pilihan untuk memilih mana-mana Dana Shariah MAA Takaful yang bersesuaian dengan tujuan pelaburan anda dan tahap toleransi risiko: Dana Shariah Growth MAA Takaful Menyediakan pertumbuhan modal dalam jangka masa sederhana hingga panjang dengan melabur di dalam portfolio pelaburan ekuiti yang berlandaskan Shariah dan mempunyai potensi pertumbuhan modal yang tinggi. Sesuai bagi pelabur yang mempunyai toleransi risiko yang tinggi. Dana Shariah Balanced MAA Takaful Menyediakan pulangan dalam jangka masa sederhana hingga panjang dengan melabur di dalam pelaburan yang menggunakan strategi peruntukan aset campuran berlandaskan prinsip Shariah. Sesuai bagi pelabur yang mempunyai profil sederhana dan tinggi. Dana Shariah Income MAA Takaful Menyediakan pulangan pendapatan yang stabil melalui pelaburan Sukuk dan instrumen pasaran wang Islam di samping pelaburan ekuiti yang berlandaskan Shariah dan menjana dividen. Sesuai bagi pelabur yang mempunyai profil rendah dan sederhana. Dana Shariah Flexi MAA Takaful Menyediakan pertumbuhan modal dalam jangka masa sederhana hingga panjang dengan fleksibiliti peruntukan aset. Sesuai bagi pelabur yang memilih untuk menerima aliran pendapatan tetap, pulangan pelaburan stabil dan potensi peningkatan modal jangka pertengahan hingga jangka panjang. MAA Growth Syariah 2 Growth Syariah 2 MAA bertujuan untuk menyediakan pertumbuhan modal dalam jangkamasa sederhana hingga panjang. Ini dapat dicapai dengan memberi tumpuan kepada pelaburan dalam pelbagai portfolio ekuiti yang diluluskan Syariah dengan potensi pertumbuhan yang tinggi. Sesuai bagi pelabur yang mempunyai toleransi risiko yang tinggi yang mana mereka lebih suka akan pertumbuhan modal. MAA Balanced Syariah 2 Balanced Syariah 2 MAA bertujuan untuk menyediakan pendapatan yang stabil dan potensi peningkatan modal jangka masa sederhana hingga panjang. Ini dapat dicapai dengan melabur dalam campuran portfolio yang seimbang mengikut Syariah termasuk ekuiti berlandaskan Syariah, sukuk dan lain-lain Instrumen hutang Islam dan deposit dan instrumen pasaran wang yang dibenarkan Syariah. Sesuai bagi pelabur yang mempunyai profil sederhana dan tinggi yang mana mereka lebih suka akan kadar yang berpatutan. MAA Income Syariah 2 Income Syariah 2 MAA bertujuan untuk menyediakan tahap pendapatan yang stabil. Ini dapat dicapai dengan melabur dalam pelbagai portfolio sukuk dan instrumen pasaran wang jangka pendek yang diluluskan Syariah, dengan sebahagian kecil dalam ekuiti berlandaskan Syariah. Sesuai bagi pelabur yang mempunyai profil rendah dan sederhana yang mana mereka lebih suka akan peningkatan modal yang stabil. Flexi Syariah 2 MAA Flexi Syariah 2 MAA bertujuan untuk menjana peningkatan modal jangkamasa sederhana hingga panjang. Ini dapat dicapai melalui fleksibiliti peruntukan aset dalam ekuiti berlandaskan Syariah, sukuk dan lain-lain Instrumen hutang Islam dan deposit dan instrumen pasaran wang yang dibenarkan Syariah. Sesuai bagi pelabur yang memilih aliran pendapatan tetap, pulangan pelaburan stabil dan potensi peningkatan modal jangka pertengahan hingga jangka panjang.

12 Yuran & Bayaran TAKAFULINK: Tabarru Yuran Sijil Yuran Penukaran Yuran Penguatkuasaan Semula Yuran Wakalah Tambah Nilai Lazim dan Tambah Nilai Bukan Lazim Yuran Perkhidmatan Tambah Nilai Bukan Lazim Yuran Wakalah Tharawat (Kos Pengurusan Dana) Bayaran Serahan Caj Pengeluaran Separa : Berdasarkan umur, jantina, Jumlah Asas Dilindungi dan Sumbangan tambahan jika perlu. : RM6 sebulan, untuk kesemua kaedah pembayaran caruman. : Tiada bayaran untuk Penukaran dana sepanjang tahun sijil. : RM50 bagi setiap Penguatkuasaan Semula. : 5% daripada jumlah Tambah Nilai Lazim dan Tambah Nilai Bukan Lazim. : RM25 bagi setiap Tambah Nilai Bukan Lazim. 95% daripada jumlah peruntukan Tambah Nilai Bukan Lazim ditolak dengan RM25 disediakan untuk pelaburan di dalam PIA. : 1% - 1.5% secara tahunan, akan ditentukan berdasarkan purata wajaran ke atas jumlah aset kasar bagi setiap Dana Shariah MAA Takaful. : TIADA : RM50 setiap pengeluaran. 1 Yuran Wakalah Tahun Sijil 2 Yuran Wakalah 1 60% 2 50% 3 30% 4 30% 5 20% 6 20% Seterusnya 0% Tiada caj akan dikenakan ke atas bayaran penuh. Pengeluaran separa atau penyerahan sepenuhnya boleh dilakukan dengan menebus unit di dalam PIA. Jumlah PIA akan turun naik berdasarkan prestasi Dana Shariah MAA Takaful dan ianya tidak dijamin. Yuran dan caj adalah tertakluk kepada semakan dari semasa ke semasa oleh Pengendali Takaful. Pengendali Takaful mempunyai hak untuk menyemak yuran dan caj dengan memberi Peserta notis bertulis 3-bulan sebelum sebarang perubahan dilakukan. Jumlah 210% Nota: 1 Yuran Wakalah adalah bermaksud yuran yang dikenakan oleh Pengendali Takaful selaku agen mengendalikan operasi perniagaan Takaful kepada Peserta. 2 Lebihan 2% Yuran Wakalah akan dikenakan bagi bayaran melalui BIRO ANGKASA. Peruntukan Caruman TAKAFULINK: Caruman yang dibayar adalah berdasarkan jumlah peruntukan seperti berikut (contoh adalah berdasarkan caruman tahunan sebanyak RM1,000) Tahun Tahun Seterusnya Jumlah Caruman (RM) 1,000 1,000 1,000 1,000 1,000 1,000 1,000 Peruntukan Caruman 40% 50% 70% 70% 80% 80% 100% Caruman Diperuntukkan(RM) ,000 Yuran Wakalah (RM) Caruman yang telah diperuntukkan, akan digunakan untuk membeli unit di Dana Shariah MAA Takaful yang telah dipilih oleh anda.berdasarkan contoh di atas,pada tahun ke 5, RM800 akan digunakan untuk membeli unit di mana beberapa unit akan ditolak untuk membayar yuran dan caj untuk sijil. Sebahagian daripada caruman yang tidak diperuntukkan digunakan untuk membayar komisen perantara.

13 SOALAN LAZIM Adakah saya layak untuk menyertai pelan ini? Takafulink disediakan untuk SEMUA yang berusia di antara 30 hari dan 69 tahun; walaubagaimanapun, para peserta mesti berusia sekurang-kurangnya 18 tahun. Bagaimana dengan kadar caruman? Anda boleh memiliki Takafulink dengan caruman serendah RM100 sebulan atau RM1200 setahun. Anda diberi fleksibiliti untuk membayar caruman secara bulanan, suku tahun, setengah tahun atau secara tahunan. Apakah pilihan yang disediakan? Anda boleh memberhentikan caruman lazim anda melalui pemberhentian caruman dan masih menikmati Perlindungan Takafulink selagi baki di dalam PIA masih mencukupi untuk membayar Tabarru. Sekiranya jumlah PIA tidak cukup untuk membayar Tabarru, Sijil Takaful akan tamat. Sijil Takaful boleh dikuatkuasakan semula dengan membayar Yuran Penguatkuasaan Semula sebanyak RM50. Takafulink memberikan anda tambahan fleksibiliti kepada tambah nilai di atas dasar yang tetap dengan Takaful Saver, yang mana bermula serendah RM50 sebulan, dan pada masa yang sama memberikan 95% peruntukan caruman. Anda juga mempunyai fleksibiliti untuk melakukan tambah nilai (bukan lazim) kepada pelaburan anda pada bila-bila masa dengan jumlah minimum sebanyak RM1,000 pada 95% peruntukan caruman, dengan yuran tambahan sebanyak RM25. Kemudahan tambah nilai disediakan untuk memaksimumkan pelaburan anda. Tambahan pula, Peserta juga mempunyai kemudahan untuk memindahkan semua atau sebahagian daripada jumlah peruntukan unit di dalam PIA ke Dana MAA Takaful Shariah yang tertentu kepada Dana Shariah yang lain secara percuma. Anda boleh membuat pengeluaran separa pada bila-bila masa, tertakluk kepada pengeluaran minimum berjumlah RM500 dan baki minimum sebanyak RM1,000 dalam PIA tertakluk kepada bayaran bagi pengeluaran separa sebanyak RM50. Adakah Manfaat Tambahan boleh disertakan pada pelan Takafulink? Terdapat pelbagai jenis Manfaat Tambahan untuk disertakan bersama Takafulink. Sila rujuk kepada konsultan anda untuk maklumat lanjut. Bagaimana cara saya membuat tuntutan di atas Sijil Takaful? Apabila berlaku tuntutan, anda hanya perlu maklumkan Pengendali Takaful secara bertulis tentang hal tuntutan yang ingin dikemukakan dan kami akan menghantar borang tuntutan yang perlu kepada anda. Makluman bertulis mesti dibuat dalam masa 90 hari dari tarikh tuntutan. Bolehkah saya menyerahkan Sijil Takaful saya? Ya, anda boleh menyerahkan Sijil anda. Jumlah PIA akan dibayar apabila anda menyerahkan Sijil Takaful anda. Jumlah PIA adalah tidak dijamin.oleh itu, anda dianggap telah menamatkan Perlindungan Takaful anda dan tiada Manfaat akan dibayar daripada PRIA. Adakah terdapat caj serahan dikenakan ke atas Sijil saya? Tidak. Tiada caj serahan akan dikenakan ke atas Sijil anda. Bagaimanakah dengan penilaian harga unit? Harga unit dinilai pada akhir setiap hari perniagaan. Ianya diperolehi dengan membahagikan Nilai Aset Bersih pada hari perniagaan sebelum Tarikh Penilaian dengan bilangan unit yang dikeluarkan bagi dana berkaitan pelaburan Dana Shariah MAA Takaful. Adakah Caruman Yang Dibayar Diberi Pelepasan Cukai? Caruman yang dibayar diberi Pelepasan Cukai, berserta Takaful Keluarga/Insuran Hayat anda yang lain. Pelepasan cukai bagi setiap individu adalah sebanyak jumlah maksimum RM6,000 tertakluk kepada keputusan muktamad Lembaga Hasil Dalam Negeri.

14 PENGECUALIAN ¹Pengecualian untuk Manfaat Kematian Kematian akibat membunuh diri dalam masa (1) satu tahun dari tarikh mula, atau penambahan di dalam Jumlah Perlindungan,yang mana lebih kemudian, sama ada Orang Yang Dilindungi siuman atau tidak siuman, akan menghadkan liabiliti Pengendali Takaful kepada jumlah Akaun Pelaburan Peserta (PIA) pada tarikh kematian dan dikira mengikut harga unit pada Tarikh Penilaian yang seterusnya mengikut tarikh kematian. ¹Pengecualian untuk Manfaat Hilang Upaya Keseluruhan dan Kekal (HUKK) a. Mencederakan diri sendiri atau sebarang percubaan ke arahnya sewaktu siuman atau tidak siuman; b. Perkhidmatan tentera pada masa peperangan yang diisytiharkan atau tidak semasa berada di bawah arahan berupa peperangan atau pemulihan pemerintahan awam; c. Memasuki, beroperasi atau berkhidmat, menaiki di dalam atau di atas, menaiki atau membawa kecuali semasa Orang Yang Dilindungi berada di dalam pesawat udara yang dikendalikan oleh penerbangan penumpang komersial yang mengikut jadual penerbangan biasa atau melalui laluan penumpang yang tetap. Nota: 1 Pengecualian di atas tidak menyeluruh dan segala bentuk rujukan hendaklah dirujuk kepada klausa pengecualian di dalam Sijil Kontrak.

15 ABOUT MAA TAKAFUL MAA Takaful Berhad is a result of strategic joint venture between MAA Group Berhad ( MAAG ) [Formerly known as MAA Holdings Berhad] and Solidarity Company BSC (C) of Bahrain, one of the leading companies in the Arab world. On 21st February 2006, a joint venture was signed with Solidarity, to form a JV company called MAA Takaful to carry on the Takaful business. On 3rd March 2006, Bank Negara Malaysia granted approval for a new Takaful license for the joint venture of MAAG and Solidarity. On 2nd May 2006, MAA Takaful was incorporated with a paid up capital of RM100 Million and licensed on 1st July 2007 as a composite Takaful Operator. Today, MAA Takaful has an agency forces of over 10,000. MAAG holds 75% equity interest in MAA Takaful while Solidarity holds 25%. Takaful Regulations The Takaful industry in Malaysia is regulated under the Takaful Act 1984 and is supervised by Bank Negara Malaysia.Takaful Operators are required to follow strict compliance with Shariah, Statutory and Regulations requirements. a. This is a Takaful product and it is designed in line with Shariah principles. The funds, MAA Takaful Shariah Growth Fund, MAA Takaful Shariah Balanced Fund, MAA Takaful Shariah Income Fund, MAA Takaful Shariah Flexi Fund, MAA Shariah Growth 2, MAA Shariah Balanced 2, MAA Shariah Income 2 and MAA Shariah Flexi 2. b. The investment risk of the PIA fund will be borne solely by the participant and the benefits may be less than the total contributions made to the investment fund. c. The certificate will not provide any benefit from the PRIA in the event of surrender, maturity or expiry of the certificate. d. The benefits of the investment fund will be based on the actual performance of the fund and it is not guaranteed. The fund values are dependent on prevailing market values and the underlying investment performance of the respective funds. Past performance may not be a reliable guide to future performance, which may be different. e. If you find the product is unsuitable for whatever reason, you have the right to return the certificate under the clause of free-look period/cooling off period to the Takaful Operator within fifteen (15) days from the date of receipt of your certificate document. The Takaful Operator shall refund: (i) The unallocated contributions; (ii) Value of units that have been allocated (if any) at the unit price at the next valuation date; and (iii) Any takaful charges and certificate fee that have been deducted; less expenses which may have been incurred for the medical examination of the person covered/participant. f. You should satisfy yourself that this plan can best serve your needs and that the contributions payable under this certificate is an amount that you can afford. g. The Asset Allocation on each of the MAA Takaful Shariah Funds may vary depending on the fund manager s outlook and in the event of unfavorable market conditions, which will be positioned to benefit from potential capital growth and preserving the unit holder s investment returns. h. A purchase of a Takaful plan is a long-term commitment and it is not advisable to hold the certificate for a short period of time in view of the high initial costs. i. A contribution holiday may lead to the possibility of the certificate to be lapsed if the Tabarru amount is higher than the value in the PIA. j. A participant who is buying too many unit deducting riders may deplete the value in the PIA. k. If you terminate the certificate in the early years, you may get back less than the amount that you have paid for. l. This brochure merely provides a brief information in relation to Takafulink, Takafulink Education, Takafulink Hajj and Takafulink Wanita. It is never intended to be a basis of a takaful certificate or contract. The information contained in this brochure maybe changed without prior notice. For further details of terms and conditions, please refer to the certificate documents and sales illustration. m. If the consultant discontinues to be operating under Takaful Operator, the Takaful Operator will appoint a new consultant to transmit the future contribution to the Takaful Operator for the affected customer. n. If your contributions are not paid by the due date, your tabarru amounts will be automatically deducted from your PIA into the PRIA, until the PIA is insufficient at which time the certificate shall lapse. A Grace Period of thirty-one (31) days from the due date will be allowed for you to make a payment. o. This plan is designed for contributions to be paid regularly until age 80 (except for Takafulink Education which matured upon the age of 25). p. The information provided in this brochure is valid at the time of printing. Sign Up Now MAA Takaful Berhad, 8th Floor, No.566, Jalan Ipoh, Kuala Lumpur. For personal assistance, please contact your nearest MAA Takaful consultant. For further enquiries, please call us at or fax to or us at info@maatakaful.com.my

16 MENGENAI MAA TAKAFUL MAA Takaful Berhad adalah hasil daripada usahasama strategik diantara MAA Group Berhad ( MAAH ) [Dahulunya dikenali sebagai MAA Holdings Berhad] dan Solidarity Company BSC (C) dari Bahrain, iaitu salah satu syarikat Takaful yang terbesar di dunia Arab. Pada 21 Februari 2006, satu Perjanjian Usahasama telah ditandatangani bersama Solidarity, bagi membentuk syarikat usahasama yang dikenali sebagai MAA Takaful untuk menjalankan perniagaan takaful. Pada 3 Mac 2006, Bank Negara Malaysia (BNM) telah menganugerahkan lesen Pengendali Takaful untuk syarikat usahasama yang dikenali sebagai MAAG dan Solidarity dari Bahrain. Pada 2 Mei 2006, MAA Takaful telah ditubuhkan dengan modal berbayar sebanyak RM100 juta dan seterusnya pada 1 Julai 2007, MAA Takaful telah dianugerahkan lesen untuk beroperasi sebagai Pengendali Takaful Komposit. Hari ini, MAA Takaful mempunyai kekuatan agensi 10,000. MAAG memegang 75% pegangan ekuiti di MAA Takaful Berhad, sementara Solidarity memegang 25% pegangan ekuiti. Undang-Undang Takaful Industri Takaful di Malaysia tertakluk di bawah Akta Takaful 1984 dan diselia oleh Bank Negara Malaysia. Para Pengendali Takaful perlu mematuhi Shariah, syarat-syarat Berkanun dan kawal selia yang ketat. a. Produk ini adalah produk Takaful dan ianya dirangka mengikut prinsip Shariah. Dana Shariah yang terlibat adalah Dana Shariah Growth MAA Takaful, Dana Shariah Balanced MAA Takaful, Dana Shariah Income MAA Takaful, Dana Shariah Flexi MAA Takaful, Dana Shariah Growth II MAA Takaful, Dana Shariah Balanced II MAA Takaful, Dana Shariah Income II MAA Takaful dan Dana Shariah Flexi II MAA Takaful. b. Risiko pelaburan dalam PIA akan ditanggung oleh peserta dan manfaat yang diperolehi mungkin bernilai kurang dari jumlah caruman yang dilaburkan ke dalam dana. c. Sijil Takaful ini tidak akan memberi apa-apa manfaat dari PRIA sekiranya sijil diserahkan, sijil matang atau sijil tamat tempoh. d. Manfaat dana pelaburan adalah berdasarkan prestasi sebenar dan tidak dijamin.nilai dana akan bergantung kepada nilai pasaran semasa dan tidak dijamin.nilai dana akan bergantung kepada nilai pasaran semasa dan dasar pelaburan dana-dana berkaitan.prestasi dana yang lalu mungkin bukan satu panduan sebaiknya untuk prestasi masa depan, yang mungkin berlainan. e. Jika anda mendapati produk ini tidak sesuai atas apa jua sebab, anda berhak untuk memulangkan Sijil dibawah fasa tempoh penilaian percuma kepada Pengendali Takaful dalam tempoh lima belas (15) hari dari tarikh resit dokumen Sijil. Pengendali Takaful akan membayar balik: (i) Caruman yang tidak diperuntukkan; (ii) Nilai unit yang telah diperuntukkan (jika ada) pada harga unit pada tarikh penilaian berikutnya; (iii) Sebarang caj takaful/ yuran sijil yang telah ditolak, juga ditolak perbelanjaan yang mungkin telah ditanggung untuk Pemeriksaan perubatan ke atas Orang yang Dilindungi / Peserta. f. Anda harus memastikan bahawa pelan ini merupakan pelan yang terbaik untuk memenuhi keperluan anda dan caruman yang dibayar adalah jumlah yang mampu anda bayar. g. Peruntukan Aset daripada Dana Shariah MAA Takaful boleh berubah-ubah, bergantung kepada pandangan Pengurus Dana dan di dalam keadaan pasaran yang kurang menguntungkan, yang mana ianya adalah untuk manfaat pertumbuhan modal dan memelihara potensi hasil pelaburan pemegang unit. h. Penyertaan di dalam pelan Takaful adalah komitmen jangka panjang dan anda dinasihatkan untuk tidak menyertainya dalam jangka masa yang pendek kerana kos permulaan yang tinggi. i. Pemberhentian caruman akan menjuruskan kepada kebarangkalian untuk Sijil menjadi lupus sekiranya jumlah Tabarru adalah lebih tinggi daripada jumlah di dalam PIA. j. Peserta yang menyertai terlalu banyak unit deducting riders mungkin menghabiskan nilai di dalam PIA. k. Jika Sijil ini ditamatkan pada tahun-tahun awal,anda mungkin mendapat jumlah yang kurang dari jumlah caruman yang dibayar. l. Risalah ini adalah hanya untuk memberi maklumat ringkas berkenaan Pelan Takafulink, Takafulink Education, Takafulink Hajj dan Takafulink Wanita. Risalah ini juga bukanlah menjadi asas untuk Sijil Takaful atau pun kontrak. Maklumat di dalam risalah ini mungkin ditukar tanpa memberitahu dengan lebih awal.untuk maklumat lanjut mengenai terma dan syarat, sila rujuk kepada dokumen sijil dan illustrasi jualan. m. Sekiranya konsultan telah menamatkan perkhidmatan dengan Pengendali Takaful, Pengendali Takaful haruslah melantik konsultan baru kepada perserta untuk membuat bayaran seterusnya kepada Pengendali Takaful. n. Sekiranya caruman tidak dibayar mengikut tempoh yang ditentukan, jumlah Tabarru anda akan ditolak secara automatik daripada PIA ke PRIA sehingga PIA tidak lagi mencukupi dan Sijil Takaful akan lupus. Tempoh Bertenang selama tiga puluh satu (31) daripada tarikh yang ditentukan akan diberi untuk anda membuat bayaran. o. Pelan ini direka untuk caruman yang perlu dibayar secara tetap sehingga umur 80 tahun. p. Maklumat yang diberikan di dalam risalah ini adalah sah pada masa percetakan. Sertailah Sekarang MAA Takaful Berhad, Tingkat 8, No 566, Jalan Ipoh, Kuala Lumpur. Untuk bantuan peribadi, sila hubungi perunding MAA Takaful yang berhampiran anda. Untuk pertanyaan selanjutnya, sila hubungi kami di atau faks ke atau e-mel kami di info@maatakaful.com.my

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