TAKAFULINK Wanita Ultimate Tribute For Women

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3 Wanita You are the pillar of love, as a Mother, a Wife, a Daughter, a Companion and the list goes on You are cherished, admired and respected for your courage and determination in each of every role and challenges and hardship of life You deserve to be rewarded with the best protection and coverage which gives every woman essential financial relief and assistance... TAKAFULINK Wanita Ultimate Tribute For Women

4 The One and Only TAKAFULINK WANITA Takafulink Wanita Plan is a Regular Contribution Investment-Linked Plan that expires at person covered s 1 age 80. It is a unique product that offers both protection and investment benefit. A proportion of your regular contributions are allocated to buy units in any of the MAA Takaful Shariah Funds of your choice. Takafulink Wanita is packaged together with three riders which are Wanita Illness (MTWI), Wanita Maternity Protection (MTMP) and Golden Wanita Protection (MTGW) riders. The value of Takafulink Wanita certificate depends on the performance of your chosen funds. HOW TAKAFULINK WANITA CAN BENEFIT YOU It provides you with a guaranteed 2 Death & Total Permanent Disability benefit. Upon Death or Total Permanent Disability of the person covered, the Sum Covered and Participant Investment Account (PIA) are payable and the coverage will cease. Comprehensive plan that is tailored specially for women with protection against Female Critical Illnesses, Maternity and Disability Protection. It is a plan that provides 24-hours protection with Worldwide Coverage. Affordable contribution payable in monthly, quarterly, semi-annually and annually mode. Payment channel: Salary Deduction through Biro Angkasa, Auto Debit Deduction (RHB, Maybank, BSN & CIMB), Cash, Cheque, Credit Card, Easy Pay (Credit Card Auto Debit), Bank Standing Instruction and Internet Banking. The contribution paid may qualify for a personal tax relief maximum 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 Participant Risk Investment Account (PRIA) with the Takaful Operator based on 50:50 sharing ratio. Eligibility Person Covered: Anyone from the 1 age of 16 years old up to age 69 years old. Participant/Applicant: Anyone from the age of 18 years and above. Note: 1 Not applicable for Wanita Maternity Protection. Please refer to the Benefits Description of Takafulink Wanita. 2 Death and Total Permanent Disability benefit is guaranteed, given that PIA balance is sufficient to pay for tabarru deduction. 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. No surplus will be paid if the certificate is surrendered or terminated due to a claim. The investment profit earned on the Participant Investment Account (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.

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6 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: a. MAA Takaful Shariah Growth Fund It provides a capital growth over medium to long-term investment through predominantly invested in Shariah-compliant equities and equity related securities. A part of the fund will be invested in Islamic debt securities and short-term Islamic money market instruments. It suits for high-risk investors who are looking for a high growth potential. b. MAA Takaful Shariah Balanced Fund It provides a balanced mix of income returns, as well as capital growth over medium to long term investment through a diversified portfolio of Shariah-compliant securities, predominantly Malaysian equities, Islamic debt securities and shortterm Islamic money market. It suits for moderate to high-risk investors who prefer a higher-than-deposits return generated from dividend yield Shariahcompliant equities and fixed income instruments. c. MAA Takaful Shariah Income Fund It provides a steady capital growth at rates higher than average fixed deposit rates over medium to long-term period through primarily invest in Islamic debt securities and short-term Islamic money market instruments. A small portion will be invested in dividend yield Shariah-compliant equities. It suits for low to moderate-risk investors who seek a consistent and stable income distribution from Shariah-compliant fixed income instruments such as Sukuk. d. MAA Takaful Shariah Flexi Fund It aims to provide a positive return over medium to long-term investment period, given the flexibility of the asset allocation. It suits for moderate to high-risk investors who prefer a stable investment returns and potential for medium to long-term capital appreciation. Takafulink Wanita Fees and Charges Tabarru : Based on age, rating (if any) and Basic Sum Covered. Certificate Fee : RM5 per month. Switching Fee : One free switching is allowed each certificate year. Subsequent switching will be subject to a fee of RM50 per transaction. Reinstatement Fee : RM50. Wakalah Fee Irregular Top-Up : 5% of the Irregular Top-Up amount. Service Fee Irregular Top-Up : RM25 for every Irregular Top-Up. *The allocated 95% of Total Irregular Top-Up minus RM25 is available for investment in the Participant Investment Account (PIA). Wakalah Tharawat Fee : 1% - 1.5% per annum, determined based on the weighted (Fund Management Fee) average of total gross assets of each MAA Takaful Shariah Funds. Partial Withdrawal Charge : RM50 per withdrawal. Surrender Charge : NIL.

7 1 Wakalah Fee Certificate Year 2 Wakalah Fee 1 60% 2 50% 3 30% 4 30% 5 15% 6 10% Thereafter 0% Note: 1 Wakalah Fee shall mean the fee charged by the Takaful Operator as an agent of the Participant for managing the operations of the Takaful business. 2 Additional 2% will be added to the Wakalah Fee above for payment under BIRO ANGKASA. 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 fees and charges are subject to changes from time to time, initiated by the Takaful Operator. The Takaful Operator maintains the right to revise the fees and charges by giving Participants a 3-month notice in writing prior to the certificate anniversary. Takafulink Wanita 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% 85% 90% 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, RM850 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. The Wakalah Fee represents the unallocated contributions for Takafulink Wanita. Frequently Asked Questions 1. Am I eligible to be covered by this plan? All women from the age 16 to 69 years old are eligible to be covered under this plan. 2. When will my coverage begin? Your coverage will take effect upon Takaful Operator s approval of your application together with the payment of contribution. A certificate of Takaful will be issued to all successful Participants. 3. How much is the contribution? Takafulink Wanita can be yours for as little as RM50 a month or RM600 a year. You have the flexibility to pay the contributions in monthly, quarterly, half-yearly or annually. 4. How do I pay my contribution*? You can pay your contribution through convenient and various methods such as Cash, Cheque, Credit Card, Easy Pay (Credit Card Auto Debit), MAA ATM Machine, Over-the-Counter (MAA Branches or Head Office), BSN Giro, Biro Angkasa, Bank Standing Instruction, Salary Deduction and Internet Banking.*Please refer to your consultants for further details. 5. What are the available options? You may opt to stop paying your regular contribution under a contribution holiday and still enjoy the protection of Takafulink Wanita as long as there is sufficient PIA value to pay for 1 Tabarru. If the PIA value becomes zero, the Takaful Coverage shall automatically terminate. Note: 1 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.

8 You may also exercise a partial withdrawal at any time subject to a minimum withdrawal amount of RM500 and a minimum remaining balance of RM1, 000 in the PIA fund. A partial withdrawal fee of RM50 will be imposed for any withdrawal amount. Takafulink Wanita gives you added flexibility to top-up on a regular basis with Takaful Saver, which starts from as low as RM50 a month, whilst giving you 95% contribution allocation. In addition, you also have the flexibility to top-up your investment at any time with a minimum lump sump payment of RM1,000 also at 95% contribution allocation, less an additional RM25 fee. These top-up facilities are available to you to maximize your investment value. In addition, the Participant also will have the facility to switch all or some of the allocated units of the PIA fund in a particular MAA Takaful Shariah Funds to other Shariah funds, subject to fees and charges as prescribed in the certificates. 6. 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. 7. Can I surrender my certificate? Yes, you can surrender your certificate. The 2 Participant Investment Account (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. 8. Is there any surrender charge imposed on my certificate? No, there will be no surrender charges imposed on your certificate. 9. 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 Funds. 10. What are the extended benefits/riders that can be attached to Takafulink Wanita? There are extended benefits/riders available to be attached to Takafulink Wanita. You may refer to your consultant for further details. Note: 2 Participant Investment Account (PIA) value is based on the actual performance of the fund and it is not guaranteed. Exclusions 1. 1 Exclusion 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 Participant Investment Account value on the date of the death calculated according to the Unit Price on the immediate next Valuation Date following the date of death Exclusion 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.

9 Wanita Anda adalah tiang cinta, sebagai seorang Ibu, seorang Isteri, seorang Anak,seorang Sahabat dan bukan setakat itu sahaja... Anda dihargai, dikagumi dan dihormati atas keberanian dan keteguhan dalam setiap peranan, cabaran dan kesulitan hidup... Anda berhak untuk dihargai dengan perlindungan terbaik yang memberi ketenangan dari segi kewangan kepada setiap wanita... TAKAFULINK Wanita Penghargaan Tertinggi Bagi Wanita

10 Satu-satunya TAKAFULINK WANITA Takafulink Wanita adalah Pelan Caruman Lazim Takaful Keluarga berkaitan pelaburan yang berakhir pada Orang Yang Dilindungi tahun. Produk ini adalah produk unik yang menawarkan manfaat perlindungan dan juga manfaat pelaburan.sebahagian daripada jumlah caruman anda diperuntukkan untuk membeli unit di mana-mana Dana Shariah MAA Takaful mengikut dana pilihan anda. Takafulink Wanita telah dipakej bersama dengan tiga manfaat tambahan iaitu Perlindungan Penyakit Wanita (MTWI), Perlindungan Kehamilan Wanita (MTMP) dan Perlindungan Golden Wanita (MTGW). Nilai Sijil MAA Takafulink Wanita adalah tertakluk kepada harga unit yang disandarkan, dimana ia adalah tertakluk kepada prestasi Dana Shariah MAA Takaful yang telah dipilih oleh anda. BAGAIMANA TAKAFULINK WANITA DAPAT MEMBERI MANFAAT KEPADA ANDA Pelan ini memberikan anda 2 Manfaat Kematian & Kehilangan Upaya Keseluruhan dan Kekal yang dijamin.sekiranya berlaku Kematian & Kehilangan Upaya Keseluruhan dan Kekal, Jumlah Perlindungan dan Akaun Pelaburan Peserta akan dibayar dan perlindungan akan tamat. Pelan Komprehensif yang direncanakan khusus bagi wanita dengan perlindungan terhadap Penyakit Kritikal Wanita, Perlindungan Kehamilan Wanita dan Perlindungan Kurang Upaya. Perlindungan 24-jam di seluruh dunia. Pembayaran caruman yang berpatutan dilakukan secara bulanan, suku tahun, setengah tahun, atau tahunan. Cara bayaran yang mudah: melalui pemotongan dari Biro Angkasa, pemotongan melalui Auto Debit (RHB Bank, Maybank, BSN Giro), Tunai, Cek, Kad Kredit, Easy Pay (Auto Debit daripada Kad Kredit), Perintah Arahan Tetap dari Bank dan Perbankan Internet. Caruman yang dibayar diberi pelepasan cukai, berserta Takaful Keluarga/ Insurans Hayat anda yang lain.pelepasan cukai bagi setiap individu adalah sehingga maksimum RM6,000 tertakluk kepada Lembaga Hasil Dalam Negeri (LHDN). Perkongsian untung Anda layak berkongsi lebihan, jika ada daripada Akaun Pelaburan Risiko Peserta (PRIA) dengan Pengendali Takaful, sekiranya ada dan tertakluk kepada tiada tuntutan dibuat. Perkongsian untung adalah berdasarkan kepada nisbah perkongsian 50:50. Kelayakan Orang Yang Dilindungi: Sesiapa sahaja yang 1 berumur di antara 16 tahun sehingga 69 tahun. Peserta/Pemohon: Sesiapa sahaja yang berumur di antara 18 tahun ke atas. Nota: 1 Tidak termasuk bagi Pelan Perlindungan Wanita Hamil. Sila rujuk kepada Manfaat Takafulink Wanita. 2 Manfaat Kematian & Kehilangan Upaya Keseluruhan dan Kekal adalah dijamin, dengan syarat baki di dalam Akaun Pelaburan Peserta (PIA) adalah mencukupi untuk membayar potongan tabarru. Model Wakalah MAA Takaful 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 Akaun Pelaburan Risiko Peserta (PRIA) dimana ia akan digunakan untuk membantu Peserta lain berdasarkan Konsep Takaful. Lebihan pada akhir tahun (jika ada) akan dikongsi diantara Peserta dan MAA Takaful mengikut nisbah 50:50. Tiada lebihan akan dibayar jikalau Peserta menyerahkan sijil kembali kepada MAA Takaful atau sijil dimansuhkan disebabkan tuntutan yang dibuat.keuntungan daripada pelaburan yang diperolehi daripada Akaun Pelaburan Peserta (PIA) adalah berdasarkan kepada aset yang disandarkan dan MAA Takaful Berhad akan mengenakan bayaran Wakalah Tharawat (Yuran Pengurusan Dana) untuk menguruskan aset tersebut. Risiko Pelaburan di dalam Akaun Pelaburan Peserta (PIA) ditanggung sepenuhnya oleh Peserta.

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12 Pilihan Dana Anda mempunyai pilihan untuk memilih mana-mana Dana Syariah MAA Takaful yang bersesuaian dengan tujuan pelaburan anda dan tahap toleransi risiko: a. Dana Shariah Growth MAA Takaful Menyediakan peningkatan modal dalam jangka masa sederhana hingga panjang. Kekuatan dari dana dilaburkan dalam ekuiti dan sekuriti berkaitan ekuiti yang menurut prinsip Shariah. Sebahagian daripada dana akan dilaburkan dalam sekuriti kredit Islam dan instrumen pasaran kewangan Islam jangka pendek. Sesuai bagi pelabur yang mahukan pulangan pelaburan yang tinggi. b. Dana Shariah Balanced MAA Takaful Menyediakan pulangan pendapatan yang seimbang dan juga menghasilkan peningkatan modal dalam jangka masa sederhana hingga panjang melalui dana yang dilaburkan dalam sekuriti yang berlandaskan Shariah yang pelbagai, terutamanya pasaran ekuiti di Malaysia, sekuriti kredit Islam dan instrumen pasaran kewangan Islam jangka pendek. Sesuai bagi pelabur yang berprofil risiko sederhana hingga tinggi dan memilih pulangan yang lebih tinggi daripada deposit yang dijana daripada ekuiti dividen yang berlandaskan Shariah dan instrumen pendapatan tetap. c. Dana Shariah Income MAA Takaful Menjanakan pertumbuhan modal mantap pada kadar yang lebih tinggi daripada kadar deposit purata dalam tempoh jangka sederhana hingga jangka panjang dan dana dilaburkan terutamanya dalam sekuriti kredit Islam dan instrumen pasaran kewangan Islam jangka pendek.sebahagian kecil daripada dana akan dilaburkan dalam ekuiti dividen yang berlandaskan Shariah. Sesuai bagi pelabur yang berprofil risiko rendah hingga sederhana yang mahukan pendapatan yang stabil daripada instrumen pendapatan tetap patuh Shariah seperti Sukuk. d. Dana Shariah Flexi MAA Takaful Bertujuan menjanakan pulangan positif dalam jangka masa sederhana hingga panjang dengan fleksibiliti peruntukan aset daripada dana tersebut. Dikhususkan untuk pelabur yang memilih untuk menerima aliran pendapatan tetap, pulangan pelaburan stabil dan potensi peningkatan modal jangka pertengahan hingga jangka panjang. Yuran & Bayaran Takafulink Wanita: Tabarru : Berdasarkan umur, penilaian (jika ada), dan Jumlah Asas Dilindungi. Yuran Sijil : RM5 sebulan. Yuran Penukaran : Satu penukaran percuma dibenarkan setiap tahun.penukaran berikutnya dikenakan yuran penukaran sebanyak RM50 bagi setiap transaksi. Yuran Penguatkuasaan Semula : RM50. Yuran Wakalah Tambah : 5% daripada jumlah Tambah Nilai Bukan Lazim. Nilai Bukan Lazim Yuran Perkhidmatan Tambah : RM25 bagi setiap Tambah Nilai Bukan Lazim. Nilai Bukan Lazim *95% daripada jumlah peruntukan Tambah Nilai Bukan Lazim ditolak dengan RM25, adalah untuk pelaburan didalam Akaun Pelaburan Peserta (PIA). Yuran Wakalah Tharawat : 1% - 1.5% secara tahunan, akan ditentukan berdasarkan purata (Kos Pengurusan Dana) wajaran ke atas jumlah aset kasar bagi setiap Dana Shariah MAA Takaful. Caj Pengeluaran Separa : RM50 setiap pengeluaran. Bayaran Serahan : Tiada.

13 1 Yuran Wakalah Tahun Sijil 2 Yuran Wakalah 1 60% 2 50% 3 30% 4 30% 5 15% 6 10% Seterusnya 0% 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. Tiada caj akan dikenakan ke atas penyerahan 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 ulang tahun sijil. Peruntukan Caruman Takafulink Wanita 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% 85% 90% 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, RM850 akan digunakan untuk membeli unit di mana beberapa unit akan ditolak untuk membayar yuran dan caj untuk sijil.yuran Wakalah merupakan jumlah caruman yang tidak diperuntukkan untuk caruman Takafulink Wanita. Soalan Lazim 1. Adakah saya layak untuk menyertai pelan ini? Semua wanita yang berumur 16 tahun hinga 69 tahun layak untuk menyertai pelan ini. 2. Bilakah perlindungan saya akan bermula? Perlindungan anda akan berkuatkuasa setelah pihak Pengendali Takaful meluluskan permohonan anda dan caruman telah dibayar. Satu Sijil Takaful akan dikeluarkan untuk permohonan yang diluluskan. 3. Bagaimana dengan kadar caruman? Anda boleh memiliki Takafulink Wanita dengan caruman serendah RM50 sebulan atau RM600 setahun.anda diberi fleksibiliti untuk membayar caruman secara bulanan, suku tahun, setengah tahun atau secara tahunan. 4. Bagaimana cara saya membayar caruman*? Anda boleh membayar dengan tunai, cek, Kad Kredit, Easy Pay (Auto Debit daripada Kad Kredit), Mesin ATM MAA, Pembayaran dikaunter (cawangan MAA atau di Ibu Pejabat), BSN Giro,Biro Angkasa, Perintah Arahan Tetap dari Bank, Sistem Potongan Gaji dan Perbankan Internet. * Sila rujuk kepada konsultan untuk maklumat lebih lanjut. 5. Apakah pilihan yang disediakan? Anda boleh memberhentikan caruman lazim anda melalui pemberhentian caruman dan masih menikmati Perlindungan Takafulink Wanita selagi baki di dalam PIA masih mencukupi untuk membayar Tabarru. Sekiranya jumlah PIA menjadi sifar, perlindungan Takaful akan tamat secara automatik. Nota: 1 Tabarru bermaksud menderma dengan niat yang ikhlas sebahagian daripada jumlah caruman yang telah dipersetujui oleh Peserta untuk membantu peserta lain yang menyertai Pelan Takaful dan juga untuk membayar Manfaat Takaful.

14 Anda boleh membuat pengeluaran separa pada bila-bila masa, tertakluk kepada pengeluaran minimum berjumlah RM500 dan baki minimum sebanyak RM1,000 dalam PIA.Bayaran bagi pengeluaran separa sebanyak RM50 akan dikenakan bagi setiap jumlah pengeluaran separa. Takafulink Wanita memberikan anda tambahan fleksibiliti kepada tambah nilai di atas dasar yang tetap dengan Takaful Saver, yang mana bermula serendah RM50 sebulan, pada masa yang sama memberikan 95% peruntukan caruman ditolak dengan yuran tambahan sebanyak RM25. Kemudahan tambah nilai disediakan untuk memaksimumkan pulangan pelaburan anda. Tambahan pula, Peserta juga mempunyai kemudahan untuk memindahkan semua atau sebahagian daripada jumlah peruntukan unit di dalam PIA ke Dana Shariah MAA Takaful yang tertentu kepada Dana Shariah yang lain, tertakluk kepada yuran dan bayaran seperti di dalam Sijil Takaful. 6. Bagaimana cara saya membuat tuntutan di atas Sijil Takaful? Apabila berlaku tuntutan Kematian, 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. 7. Bolehkah saya menyerahkan Sijil Takaful saya? Ya, anda boleh menyerahkan Sijil anda. Akaun Pelaburan Peserta (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 Akaun Pelaburan Risiko Peserta (PRIA). 8. Adakah penalti akan dikenakan jika saya menyerahkan Sijil Takaful saya? Tidak, tiada penalti akan dikenakan sekiranya anda menyerahkan Sijil Takaful anda. 9. 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. 10. Adakah Manfaat Tambahan boleh disertakan pada pelan Takafulink Wanita? Terdapat pelbagai jenis Manfaat Tambahan untuk disertakan bersama Takafulink Wanita. Sila rujuk kepada konsultan anda untuk maklumat lanjut. Nota: 2 Nilai Akaun Pelaburan Peserta (PIA) adalah berdasarkan prestasi dana yang sebenar dan ianya tidak dijamin Pengecualian 1. 1 Pengecualian 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 Pengecualian 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 diatas tidak menyeluruh dan segala bentuk rujukan hendaklah dirujuk kepada klausa pengecualian di dalam Sijil Kontrak.

15 About MAA Takaful Experience and Expertise MAA Takaful Berhad is a result of a strategic joint venture between MAA Holdings Berhad (MAAH) and Solidarity Company BSC (C) of Bahrain, one of the leading companies in the Arab world. On 21 st February 2006, a Joint Venture (JV) Agreement was signed with Solidarity, to form a JV company called MAA Takaful to carry on the Takaful business. On 3 rd March 2006, Bank Negara Malaysia granted approval for a new Takaful license for the joint venture of MAAH and Solidarity. On 2 nd May 2006, MAA Takaful was incorporated with a paid up capital of RM100 Million and licensed on 1 st July 2007 as a composite Takaful Operator. Today, MAA Takaful has an agency force of over 12,000. MAAH holds 75% equity interest in MAA Takaful while Solidarity holds 25%. MAAH is listed on the Main Board of Bursa Malaysia Securities Berhad. Its subsidiaries and associated companies are involved in general and life insurance businesses, including offshore and reinsurance businesses, hire purchase, leasing and other credit facilities, unit trust, property management, fund management and investment advisory, security and consultancy services and the operation of charitable dialysis centres. Over the years, MAAH has expanded its operations into Indonesia, Philippines and Thailand through MAA International Assurance Ltd, the offshore insurance arm of the Group. 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 Regulatory requirements. a. This is a Takaful product and it is designed in line with Shariah principles.the funds are MAA Takaful Shariah Growth Fund, MAA Takaful Shariah Balanced Fund, MAA Takaful Shariah Income Fund and MAA Takaful Shariah Flexi Fund. 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 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. d. If you find the product 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) calendar days from the date of delivery 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 policy/certificate fee that have been deducted; less expenses which may have been incurred for the medical examination of the life insured/participant. e. You should satisfy yourself that this plan can best serve your needs and that the contributions payable under this certificate are the amount that you can afford. The contributions payable under this certificate are guaranteed. f. 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. g. 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. h. It is advisable for a Participant to buy a Single Contribution Investment-Linked Plan if the annual contribution paid is above RM5,000. 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 Participant Investment Account. j. A Participant who is buying too many unit deducting riders may deplete the value in the Participant Investment Account. k. If you terminate the certificate in the early years, you may get back less than the amount that you have paid in. l. This brochure merely provides a brief information in relation to Takafulink Wanita Plan. 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 Participant Investment Account into the Participant Risk Investment Account, until the Participant Investment Account 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. MAA Takaful Berhad, 8th Floor, No. 566, Jalan Ipoh, Kuala Lumpur. Sign Up Now / Sertailah Sekarang 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 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

16 Mengenai MAA Takaful Pengalaman dan Kepakaran MAA Takaful Berhad adalah hasil daripada usahasama strategik diantara MAA Holdings Berhad (MAAH) 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 MAA Holdings dan Solidarity dari Bahrain. Pada 2 Mei 2006, MAA Takaful telah ditubuhkan dengan modal berbayar sabanyak 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 melebihi 12,000. MAAH memegang 75% pegangan ekuiti di MAA Takaful Berhad, sementara Solidarity memegang 25% pegangan ekuiti. MAAH disenaraikan di Papan Utama Bursa Malaysia Berhad.Anak syarikat dan syarikat-syarikat bersekutunya terlibat dalam perniagaan jual beli, pajak gadai dan kemudahan kredit yang lain, unit amanah, pengurusan hartanah, pengurusan dana dan perunding pelaburan, keselamatan dan perkhidmatan dan juga dialisis amal. Saban tahun, MAAH telah mengembangkan operasinya ke Indonesia, Filipina dan Thailand melalui MAA International Ltd; salah satu syarikat insurans persisir pantai dalam kumpulan MAAH. 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 dan Dana Shariah Flexi MAA Takaful. b. Risiko pelaburan di dalam Akaun Pelaburan Peserta (PIA) akan ditanggung sepenuhnya oleh Peserta dan mungkin manfaat itu akan menjadi kurang daripada jumlah caruman penuh yang telah dibuat kedalam dana pelaburan. c. Manfaat dana pelaburan adalah berdasarkan prestasi sebenar dan tidak dijamin.nilai dana akan bergantung kepada nilai pasaran semasa dan prestasi pelaburan yang disandarkan kepada dana yang berkaitan. Prestasi dana yang lalu mungkin bukan satu panduan sebaiknya untuk prestasi masa depan, yang mungkin berlainan. d. 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 kalendar dari tarikh penerimaan dokumen Sijil. Pengendali Takaful akan mengembalikan : (i) sumbangan yang tidak diperuntukkan; (ii) nilai unit yang telah diperuntukkan (jika ada) dengan harga unit pada tarikh penilaian yang berikutnya ;dan (iii) semua kos takaful dan polisi / yuran sijil yang telah dikurangkan; ditolak dengan kos yang mungkin telah dikeluarkan untuk pemeriksaan perubatan Orang Yang Dilindungi / peserta. e. Anda harus memastikan bahawa pelan ini merupakan pelan yang terbaik untuk memenuhi keperluan anda dan caruman yang dibayar adalah jumlah yang mampu anda bayar.caruman yang dibayar dibawah Sijil ini adalah dijamin. f. 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. g. 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. h. Anda dinasihatkan untuk menyertai pelan Pelaburan Caruman Tunggal sekiranya jumlah tahunan yang dibayar adalah melebihi RM5,000. i. Pemberhentian caruman akan menjuruskan kepada kebarangkalian untuk Sijil menjadi lupus sekiranya jumlah Tabarru adalah lebih tinggi daripada jumlah di dalam Akaun Pelaburan Peserta (PIA). j. Peserta yang menyertai terlalu banyak unit deducting riders mungkin menghabiskan nilai di dalam Akaun Pelaburan Peserta (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 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 peserta untuk membuat bayaran seterusnya kepada Pengendali Takaful. n. Sekiranya caruman tidak dibayar mengikut tempoh yang ditentukan, jumlah Tabarru anda akan ditolak secara automatik daripada Akaun Pelaburan Peserta Ke Akaun Pelaburan Risiko Peserta sehingga Akaun Pelaburan Peserta tidak lagi mencukupi dan Sijil Takaful akan lupus. Tempoh Bertenang selama tiga puluh satu (31) hari daripada tarikh yang ditentukan akan diberi untuk anda membuat bayaran. MAA Takaful Berhad, 8th Floor, No. 566, Jalan Ipoh, Kuala Lumpur. Sign Up Now / Sertailah Sekarang 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 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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