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PRUDENTIAL BSN TAKAFUL BERHADINVESTMENT-LINKED PLAN ILLUSTRATION

Quotation For PruBSN FirstLink

LEHA Date

Agent : SAM AY3

: 4/7/2012

: LEHA

: 1/7/2067Tentative maturity date

Person to be Covered

1 :Basic sum covered : RM 30,000

(See Definition in Appendix for the description of the charges)

: Regular Contribution Investment-Linked Takaful: Wakalah ChargeService ChargeAsset Management Charge

Plan typeCharges

Date of birth : 06/09/1987

100% of TDEFund(s) invested

: Debit / Credit Card

: RM 130.00

: MonthlyPayment methodPayment frequency

Contribution

: Class 1

: No

: Female

: 25

Occupation class

Smoking status

Gender

Age next birthday

Name

Details

Crisis Shield for 55 year(s) 10,000 2.00Compassionate Benefit for 55 year(s) 2,000 1.00

Accidental Death andDisablement

for 45 year(s) 20,000 3.00

Accidental MedicalReimbursement

for 45 year(s) 2,000 3.00

Takaful Health2 for 45 year(s) TH2 Plan 150 68.00

Medical Cover for 45 year(s) 1 Unit(s) 11.00

Hospital Benefit for 45 year(s) 3 Unit(s) 16.00

Contributor for 55 year(s) 1,560 p.a. 6.00

PruBSN FirstLink for 55 year(s) 30,000 20.00

Additional benefit(s):

Basic benefit:

Details Of Plan

Name of Plan

Total Protection Unit Account Contribution (A) 130.00

Protection Unit Account (PUA):

Contribution (RM)Sum Covered (RM)Term (years)

Total Monthly Contribution (A) 130.00

Dana Ekuiti Dinasti

Dana Ekuiti

Dana Bon

Dana UrusNotes:TDU - Takafulink

TDB - Takafulink

TDE - Takafulink

TDED - Takafulink

2.

1.

For more information about the benefits of the basic plan and its additional benefits, please refer to the Appendix at the end of this plan illustration.

THIS IS A TAKAFUL PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IT IS NOT A PURE INVESTMENTPRODUCT SUCH AS UNIT TRUSTS

You should read this Illustration together with the Fund Fact Sheet(s) of the investment fund(s) which you have chosen. The Fund Fact Sheet(s )contains all the important information that you will need to know regarding the investment fund(s).

IMPORTANT :

3.

- Minimum annual contribution required for PruBSN FirstLink: RM 1,200.- Minimum top-ups allowed: RM 500.

Since only between 40.00% and 70.00% of your annual contribution is allocated to buy units for the first four certificate years, while 95 % top-up

and Takaful Saver are used to purchase units, you can maximise your investment value by minimising annual contribution and maximising

top-up and Takaful Saver rider contribution.

Therefore, if your certificate involves a contribution of sizeable amount say RM5,000 and above, you should consider participating in single4.

SAM AY3

SQS - Agency ver 2.0.1.0Version :

Presented by :

4/7/2012Date :

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LEHA Date

Agent : SAM AY3

: 4/7/2012

- high Tabarru' if you participate in a lot of riders, and especially if the charges are increased over time as you get older.- poor investment returns.- unpaid contributions - if you stop paying contributions for a long period of time.

contribution investment-linked certificate rather than a regular contribution certificate as single contribution plans offer better allocation ratesfor investment.

Your investment-linked certificate will lapse if there are insufficient units in your fund to pay the required charges. Your units could beinsufficient over the years due to:

5.

The choice of funds selected should be based on, among others, your tolerance to risk. Please seek advice from your financial adviser or PruBSNon your tolerance to risk.

6.

YOUR TABARRU' WILL INCREASE AS YOU GET OLDER. IN THE LATER YEARS, IT IS POSSIBLE THAT THE ACCUMULATED FUND VALUE IS

NOT ENOUGH TO PAY FOR YOUR TABARRU' DUE TO POOR INVESTMENT RETURNS, WHICH WILL RESULT IN YOUR CERTIFICATE BEING

LAPSED. YOU MAY NEED TO INCREASE YOUR CONTRIBUTIONS OR REDUCE THE LEVEL OF TAKAFUL PROTECTION, IF YOU WANT TO

MAINTAIN YOUR CERTIFICATE.

2

2

WARNING

You should request your financial adviser to explain the Tabarru' to you and its effect on your future Takaful coverage.

SAM AY3


Presented by :

4/7/2012Date :

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Total DeathBenefit(RM)

Cash Value(RM)

Asset

Manage-ment

Charge(RM)

Cash Value(RM)

Projected Investment Return:(X% p.a)

Non-Guaranteed

End ofCertificate

Year

ContributionPaid

(RM)

CriticalIllnessSum

Covered(RM)

AgeDeath Sum

Covered

(RM)

CumulativeContribution

(RM)

UnallocatedContribution

Charge(Up Front

WakalahCharge)(RM)

AllocatedContribution

(RM)

1 26 32,000 10,000 1,560 1,560 936 624 584 60 0 81 32,081 0 81 32,081 624

2 27 32,000 10,000 1,560 3,120 936 624 610 60 1 135 32,135 1 139 32,139 624

3 28 32,000 10,000 1,560 4,680 780 780 730 60 2 225 32,225 2 238 32,238 390

4 29 32,000 10,000 1,560 6,240 468 1,092 734 60 6 624 32,624 7 661 32,661 390

5 30 32,000 10,000 1,560 7,800 312 1,248 755 60 14 1,158 33,158 15 1,253 33,253 234

6 31 32,000 10,000 1,560 9,360 312 1,248 761 60 22 1,689 33,689 24 1,878 33,878 234

7 32 32,000 10,000 1,560 10,920 0 1,560 765 60 33 2,530 34,530 37 2,863 34,863 0

8 33 32,000 10,000 1,560 12,480 0 1,560 774 60 46 3,363 35,363 53 3,903 35,903 0

9 34 32,000 10,000 1,560 14,040 0 1,560 785 60 59 4,187 36,187 69 5,001 37,001 0

10 35 32,000 10,000 1,560 15,600 0 1,560 798 60 72 5,001 37,001 87 6,157 38,157 0

11 36 32,000 10,000 1,560 17,160 0 1,560 816 60 85 5,877 37,877 107 7,455 39,455 0

12 37 32,000 10,000 1,560 18,720 0 1,560 832 60 98 6,661 38,661 127 8,740 40,740 0

13 38 32,000 10,000 1,560 20,280 0 1,560 849 60 110 7,431 39,431 147 10,091 42,091 0

14 39 32,000 10,000 1,560 21,840 0 1,560 867 60 123 8,263 40,263 170 11,596 43,596 0

15 40 32,000 10,000 1,560 23,400 0 1,560 886 60 135 8,999 40,999 193 13,097 45,097 0

16 41 32,000 10,000 1,560 24,960 0 1,560 942 60 146 9,682 41,682 217 14,640 46,640 017 42 32,000 10,000 1,560 26,520 0 1,560 984 60 157 10,401 42,401 243 16,324 48,324 0

18 43 32,000 10,000 1,560 28,080 0 1,560 1,013 60 167 11,016 43,016 268 18,006 50,006 0

19 44 32,000 10,000 1,560 29,640 0 1,560 1,059 60 176 11,587 43,587 295 19,752 51,752 0

20 45 32,000 10,000 1,560 31,200 0 1,560 1,100 60 186 12,196 44,196 324 21,654 53,654 0

TotalTabarru'

(RM)Asset

Manage-ment

Charge(RM)


SUMMARY ILLUSTRATION:

This summary illustration is intended to show the movements of possible cash flows for the investment and the impact of charges on cash values based on illustration below.

The projected investment returns used below are for illustrative purposes and not meant to show possible returns of your chosen investment fund(s). They are not guaranteed and notbased on past performance.

Actual returns of the fund will fluctuate (i.e. rise or fall) each year based on the performance of the assets the fund invest in. The actual returns may even be below the projected rates ornegative.

All contributions and benefit amounts are stated in monetary value.

Projected Investment Return:(Y% p.a)Other

Charges(Service

Charge)(RM)


DirectDistribution

Cost(RM)

This represents a charge to your contribution and is used to meet the direct distribution cost and PruBSN's expenses.

Cost directly attributable to the distribution channel for the marketing of this certificate, i.e. payments to agent. This cost is paid from the charges that are imposed on your certificate for services that theagent will provide to you for the duration of your certificate.

LEHA

3

4

3

4


Presented by :

4/7/2012Date :

SAM AY3

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Non-Guaranteed

Projected Investment Return:(X% p.a)

Projected Investment Return:(Y% p.a)

DirectDistribution

Cost(RM)Total Death

Benefit(RM)

Cash Value(RM)


AssetManage-

mentCharge

(RM)

Cash Value(RM)

AssetManage-

mentCharge

(RM)

OtherCharges(ServiceCharge)

(RM)

CumulativeContribution

(RM)

UnallocatedContribution

Charge(Up FrontWakalahCharge)

(RM)

AllocatedContribution

(RM)

TotalTabarru'

(RM)

ContributionPaid(RM)

CriticalIllnessSum

Covered(RM)

End ofCertificate

Year

LEHA


21 46 32,000 10,000 1,560 32,760 0 1,560 1,160 60 194 12,668 44,668 348 22,942 54,942 0

22 47 32,000 10,000 1,560 34,320 0 1,560 1,223 60 201 13,079 45,079 368 24,217 56,217 0

23 48 32,000 10,000 1,560 35,880 0 1,560 1,273 60 208 13,519 45,519 390 25,571 57,571 0

24 49 32,000 10,000 1,560 37,440 0 1,560 1,338 60 213 13,816 45,816 409 26,830 58,830 025 50 32,000 10,000 1,560 39,000 0 1,560 1,404 60 217 14,049 46,049 429 28,070 60,070 0

26 51 32,000 10,000 1,560 40,560 0 1,560 1,484 60 221 14,279 46,279 449 29,359 61,359 0

27 52 32,000 10,000 1,560 42,120 0 1,560 1,564 60 223 14,353 46,353 468 30,534 62,534 0

28 53 32,000 10,000 1,560 43,680 0 1,560 1,622 60 224 14,369 46,369 486 31,695 63,695 0

29 54 32,000 10,000 1,560 45,240 0 1,560 1,718 60 224 14,366 46,366 505 32,886 64,886 0

30 55 32,000 10,000 1,560 46,800 0 1,560 1,835 60 222 14,168 46,168 522 33,923 65,923 0

Cost directly attributable to the distribution channel for the marketing of this certificate, i.e. payments to agent. This cost is paid from the charges that are imposed on your certificate for services that theagent will provide to you for the duration of your certificate.

This represents a charge to your contribution and is used to meet the direct distribution cost and PruBSN's expenses.

AgeDeath Sum

Covered(RM)

SUMMARY ILLUSTRATION:

4

3

3

4


Presented by :

4/7/2012Date :

SAM AY3

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LEHA

Summary Illustration Definition

paid and is used to meet PruBSN's expenses andan upfront wakalah charge on the contribution

The wakalah charge for this investment-linked certificate might be different from which illustrated in the brochure, if loading(s) applies.

You should satisfy yourself that the plan serves your needs and that you can afford the contribution. You should ensure that the allocation of

your takaful contribution towards protection and investment meets your financial circumstances. If you need clarification, please contact yourfriendly PruBSN representative.

PruBSN believes it is important that you fully understand all the benefits under the certificate, and that you also understand how the cost ofTakaful protection and distribution affect these benefits.

Participating in a regular contribution family Takaful certificate is a long-term commitment. It is not advisable to hold this certificate for a shortperiod of time in view of the high initial costs.

The information set out below explains the individual items in the marketing illustration table.

NOTE:

Should you stop making regular contributions, the plan may continue for as long as there are sufficient units in the account. The Tabarru'deduction and service charges for the respective accounts will be deducted through cancellation of units, subject to consent given by you.

This is the minimum amount to be received on death or when you become disabled. The benefit is only applicable as long as the certificate isin force.

1. Death Sum Covered

You have the ability to increase your sum covered without increasing your regular contribution with minimum RM 10,000 per increment as longas you have enough slack in your PUA. This option is subject to underwriting.

This is the amount that will be payable upon diagnosis of a critical illness. The benefit is only applicable as long as the certificate is in force.

2. Critical Illness Sum Covered

Contribution Paid is the amount that you (the certificate owner) pay for this certificate for the particular certificate year. Take note that not all ofthe amount paid will be invested into the investment fund(s) you selected. See explanation on unallocated and allocated contribution below.

3. Contribution Paid and Cumulative Contribution

Cumulative Contribution is the total amount that you (the certificate owner) pay for this certificate up to the end of respective certificate year.

4. Allocated Contribution and Unallocated Contribution (Up Front Wakalah Charge)

The unallocated contribution charge is

The allocated contribution will be used to purchase units in the investment fund(s).

Agent may also be entitled to production and persistency bonus during the first three years of the certificate provided that the agent meets thequalifying criteria set by PruBSN.

The allocated contribution and wakalah charge for this investment-linked certificate are as follows (as a % of contributions):-

direct distribution cost, including the commissions payable to agent.

RM

RM

%Unallocated Contribution

Allocated Contribution

PUA Contribution

6Certificate Year 1 7 & Above432 5

%

1,560.00 1,560.00 1,560.00 1,560.00 1,560.00 1,560.00 1,560.00

40.00 40.00 50.00 70.00 80.00 80.00 100.00

624.00 624.00 780.00 1,092.00 1,248.00 1,248.00 1,560.00

60.00 60.00 50.00 30.00 20.00 20.00 0.00

936.00 936.00 780.00 468.00 312.00 312.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

0.00 0.00 0.00 0.00 0.00 0.00 0.00

RM

RM

%Unallocated Contribution


IUA Contribution

%

assumes 9.00% weighted gross growth in the PUA and IUA for the first 20 years, while 6.00% beyond 20th year.

assumes 2.00% weighted gross growth in the PUA and IUA.

This refers to the annual managemant charge as a percentage of investment fund deducted to cover the cost of managing the investmentfund.

7. Asset Management Charge

This is the projected value of units at any particular point in time that you may receive if you surrender the certificate and is net of tax and allapplicable charges.

8. Cash Value

If the certificate is terminated early, you may get less than the amount of contributions paid.

Other Charges include service charge.

The illustrated Tabarru' and other charges are based on current levels. These are not guaranteed and may be varied from time to time bygiving 90 calendar days notice to certificate owners.

Tabarru' are deducted monthly from the value of your units to pay for your Takaful coverage. The Tabarru ' for Takaful coverage varies by agenext birthday, gender, occupation, medical rating and smoking status. The Tabarru' will increase as you grow older. Please refer to Illustrationof Tabarru' and Other Charges Table for the Tabarru breakdown.

5. Tabarru' and Other ChargesThese charges are taken out of your investment fund(s).

Y

X

6. Projected Investment Rate of return

The returns of X% and Y% have been used respectively to represent the range of possible weighted returns on the funds selected.

Please refer to the Fund Fact Sheet(s) for the past actual annual investment returns.

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LEHA

This is the commissions payable to agent comprises of basic commissions, production and persistency bonus.10. Direct Distribution Cost

It is inclusive of Takaful Saver commissions ( if any). If you decide to stop the Takaful Saver contribution, the Takaful Saver commissiondeduction will stop unless you continue to pay for the Takaful Saver contributon.

If the death is due to suicide within the first certificate year, no Takaful coverage will be payable, but the remaining value in PUA and IUA willbe payable.

9. Total Death Benefit

This is the amount that will be payable on your death.

This amount comprises of the cash value of the PUA and IUA. Please refer to Illustration of Expected Benefits Table for the breakdown.

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LEHA

Protection UnitAccount (RM)

Investment UnitAccount (RM)

Non-Guaranteed

Illustration of Expected Benefits

Projected Investment Return X p.a

1 26 0 0 100 81 0 0 100 81

2 27 0 0 100 135 0 0 100 139

3 28 0 0 100 225 0 0 100 238

4 29 298 0 100 326 308 0 100 353

5 30 732 0 100 426 777 0 100 476

6 31 1,162 0 100 527 1,270 0 100 608

7 32 1,901 0 100 629 2,115 0 100 748

8 33 2,633 0 100 730 3,006 0 100 897

9 34 3,355 0 100 832 3,945 0 100 1,056

10 35 4,067 0 100 934 4,932 0 100 1,225

11 36 4,763 78 100 1,114 5,966 78 100 1,48912 37 5,444 0 100 1,217 7,052 0 100 1,688

13 38 6,111 0 100 1,320 8,192 0 100 1,899

14 39 6,761 78 100 1,502 9,389 78 100 2,207

15 40 7,393 0 100 1,606 10,644 0 100 2,453

16 41 7,972 0 100 1,710 11,925 0 100 2,715

17 42 8,509 78 100 1,892 13,247 78 100 3,077

18 43 9,019 0 100 1,997 14,626 0 100 3,380

19 44 9,485 0 100 2,102 16,049 0 100 3,703

20 45 9,910 78 100 2,286 17,523 78 100 4,131

21 46 10,276 0 100 2,392 18,551 0 100 4,391

22 47 10,581 0 100 2,498 19,555 0 100 4,662

23 48 10,836 78 100 2,683 20,547 78 100 5,024

24 49 11,027 0 100 2,789 21,511 0 100 5,319

25 50 11,152 0 100 2,897 22,445 0 100 5,625

26 51 11,197 78 100 3,082 23,334 78 100 6,025

27 52 11,163 0 100 3,190 24,175 0 100 6,359

28 53 11,070 0 100 3,299 24,990 0 100 6,705

29 54 10,881 78 100 3,485 25,739 78 100 7,147

30 55 10,574 0 100 3,594 26,398 0 100 7,525

Protection UnitAccount (RM)

End ofCertificate

Year

Age

Project Investment Return Y p.a

Investment UnitAccount (RM)

Projected CashValue

Projected CashValue

Projected CashValue

Projected CashValue

Loyalty BonusCredited

No ClaimBonus

Credited

Loyalty BonusCredited

No ClaimBonus

Credited

With the assumption that the contributions are paid in full and timely manner, the above illustration assumes cross support between PUA andIUA.

Notes:

The Participant will receive at least 50% of the surplus (if any), inclusive of investment profit, arising from Tabarru' at the end of each financialyear and such amount will be credited into PUA. PruBSN will take up to 50% of the surplus ( if any) as the incentive for managing the Tabarru '

fund. However, for projection purposes, the surplus will not be illustrated.

The info set out below explains the individual items in the sales illustration table.

The projected illustrations above are net after deduction of tax, asset management charge and Tabarru' where applicable.

Please refer to item 6 in Summary Illustration definition.

1. Projected Investment Return

2. Protection Unit Account

Please refer to definition of Protection Unit Account (PUA) in Appendix.

2.1. Projected Cash Value

Projected cash value in Protection Unit Account.

3. Investment Unit Account

Please refer to definition of Investment Unit Account (IUA) in Appendix.

3.1. Loyalty Bonus Credited

PruBSN shall credit 5% of annualised contribution (excluding contributions for top-ups and Takaful Saver contribution) into units in IUAupon completion of 10th certificate year and every 3-years thereafter if you consistently pay your contribution on a timely manner,subject to terms and condition stipulated in your certificate document. You have grace period of 30 days every month to ensure thecontribution is paid on time.

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LEHA

Projected cash value in Investment Unit Account. This value include Loyalty Bonus and No Claim Bonus.

3.3. Projected Cash Value

The projected cash value assumes no medical claims are made from Takaful Health2. Note that if you make claim from Takaful Health2,the projected cash value will be lower than illustrated.

3.2. No Claim Bonus Credited (if Takaful Health2 is attached)

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LEHA

InvestmentUnit Account

(RM)Service Charge

(RM)

Annual Charges

AgeEnd of

CertificateYear


Illustration of Tabarru' and Other Charges Table

1 26 624 0 43 497 44 60

2 27 624 0 43 522 45 60

3 28 780 0 43 618 69 60

4 29 1,092 0 43 621 71 60

5 30 1,248 0 43 623 89 60

6 31 1,248 0 43 626 93 60

7 32 1,560 0 43 627 96 60

8 33 1,560 0 43 633 98 60

9 34 1,560 0 43 641 101 60

10 35 1,560 0 43 650 105 60

11 36 1,560 0 43 660 112 6012 37 1,560 0 43 670 119 60

13 38 1,560 0 43 682 124 60

14 39 1,560 0 43 694 130 60

15 40 1,560 0 43 706 137 60

16 41 1,560 0 43 748 151 60

17 42 1,560 0 43 780 161 60

18 43 1,560 0 43 799 171 60

19 44 1,560 0 47 831 181 60

20 45 1,560 0 53 856 191 60

21 46 1,560 0 60 898 203 60

22 47 1,560 0 67 942 213 60

23 48 1,560 0 76 977 220 60

24 49 1,560 0 85 1,024 228 60

25 50 1,560 0 97 1,070 237 60

26 51 1,560 0 109 1,131 243 60

27 52 1,560 0 123 1,192 249 60

28 53 1,560 0 139 1,228 255 60

29 54 1,560 0 156 1,296 265 60

30 55 1,560 0 176 1,382 278 60

Medical

BenefitTabarru'

(RM)

Tabarru' Deduction

Protection

Unit Account(RM)

Death

BenefitTabarru'

(RM)

OtherAdditional

BenefitsTabarru'

(RM)

Notes:

The information set out below forms part of the Plan Illustration.

Please refer to definition of Protection Unit Account (PUA) in Appendix.

1.1. Protection Unit Account


1. Allocated Contribution

1.2. Investment Unit Account

Please refer to definition of Investment Unit Account (IUA) in Appendix.

This includes Tabarru' deduction for Additional Benefits excluding Death Benefits and Medical Benefits.

2.3. Other Additional Benefits Tabarru'

This includes the Tabarru' deduction for basic death benefit, Crisis Cover Plus benefit and Compassionate Benefit benefit.

2.1. Death Benefit Tabarru'


2. Tabarru' Deduction

2.2. Medical Benefit Tabarru'

This includes Tabarru' deduction for Takaful Health2, Medic Essential, Medical Cover, Hospital Benefit, TH Retirement, TH Annual LimitWaiver, TH Auto Upgrade and TH Overseas.

Please refer to definition of Service Charge in Appendix.

3.1. Service Charge


3. Annual Charge

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LEHA

Appendix

Comprises of the certificate servicing expenses that is debited from the PUA.

Service Charge

Comprises of the investment management expenses for the PUA and IUA.

Asset Management Charge

Comprises of the agent's commission and distribution related expenses.

Commission and Distribution Related Charge

Any charges that the Participant pays to PruBSN for the services rendered. These charges consist of commission and distribution relatedcharge, asset management charge and service charge.

Wakalah Charge

An arrangement where a portion of your contribution is donated into a fund to assist fellow participants in need through the benefits entitled tothem.

Tabarru'

The surplus arising from the Tabarru' fund, inclusive of investment profit after claims payable. The surplus, if any, is calculated and distributedbetween the Participant and PruBSN in the stated proportion.

Surplus

Investment Unit Account (IUA)

Definitions

The account where the amount from the Takaful Saver contribution will be used to purchase units for investment purpose and non-forfeitureoption.

The account where units are allocated, depending on the amount of contribution paid for basic and/or additional benefit and surplus arising.

Protection Unit Account (PUA)

The Takaful Concept

Takaful is a mutual assistance concept based on the principles of shared responsibility, cooperation and common interest. Each participantcontributes on the basis of Tabarru' (donation) into a fund that will be used to support each other in times of need.

Free Look PeriodYou are required to study the plan illustration and pay particular attention to the benefits which are guaranteed and benefits which are notguaranteed. If there are discrepancies between the plan illustration and the certificate documents, you may cancel the certificate within 15calendar days from the delivery date of the certificate documents.

Tabarru' Fund

It is the pool of funds for the purpose of solidarity and cooperation among the participants that is used to help all participants in time ofmisfortune.

Date : 4/7/2012

Presented by :

Version : SQS - Agency ver 2.0.1.0

SAM AY3

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Appendix

LEHA

Brief Description Of The Plan


In the event of death, the value of units in the PUA and the value of units in the IUA will be payable. In addition, the basic sum coveredfrom the Tabarru fund will also be payable.

Benefits

-

- In the event of total and permanent disability before age 70, the basic sum covered is payable. This is paid in lieu of basic sum covered.The units remain in the PUA.

If basic sum covered is less than or equal to RM 4 million, basic sum covered ceases. If basic sum covered is more than RM 4 million,the excess of basic sum covered can be continued with payment of contributions. Riders (without disability plus) can be continued withpayment of contributions.

-

- In the event of surrender, the surrender value of the certificate is payable. The value of the units will be based on the unit price at thenext valuation date following the notification of surrender. The participant will be able to withdraw the notification before the closingvaluation time.

Loyalty Bonus

Loyalty Bonus is a benefit to eligible participants subject to terms and conditions specified in the certificate document and this benefit isnot guaranteed.

-

This bonus pays 5% of your yearly PUA contributions upon completion of the 10th certificate year and every 3 years after that.

You are only entitled to the loyalty bonus if you pay all the contributions due for each prevailing certificate year before the next certificateanniversary.

There will be no pro-rated amount of loyalty bonus payable upon death or maturity.

-

-

-

AchieveFirst Bonus

AchieveFirst Bonus is a benefit to eligible participants subject to terms and conditions specified in the certificate document and thisbenefit is not guaranteed.

-

You will get RM500 if you complete the event below before you reach 50 years old.-

You can only claim this benefit once per life.

You are only entitled to the AchieveFirst bonus if your contribution is up to date as at application date of claiming the benefit.

-

-

There is 3-years waiting period before the first event that entitles you to receive this benefit.-

(a) Buy your first house

(b) Get married

(c) When your child is born

(d) Perform Hajj

(e) Perform Umrah

(f) Completed post-graduate degree

- The payment of contributions may be stopped but the benefits above continue as long as there are units in the plan for Tabarru'deduction and other charges. The Tabarru' deduction and other charges will be deducted from the account through cancellation of units,subject to consent given by you.

Options

Non-forfeiture option:

Fund switching:

If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch funds. You are allowed 4 freeswitches per year without any fee. Any subsequent switches within the year, you will be charged a processing fee of 1% subject tomaximum of RM50 per switching application. Units can be switched between Takafulink funds at any time.

-

Top-ups can be made at any time. The minimum amount required for top-ups is RM500. Apart from 5% wakalah charge on every singlecontribution top-up, there will be an aditional one-off top-up fee of RM25 for top-up less than RM5,000. For single contribution top-uppayment of RM5,000 and above, there will be no top-up charge imposed.

-

Top-ups:

You may revise the proportion of your regular contribution (in multiple of 5%) you want to invest and may also revise your choice ofTakafulink fund.

-

Contribution re-direction:

Partial Withdrawals:

You can make partial withdrawals from PUA, either in terms of number of units or fixed monetary amount (where units will be cancelledaccordingly based on the price at the next valuation date).

-

Partial withdrawal is allowed for IUA. Complete withdrawal is allowed but strongly discouraged.-

- You may increase the sum covered without increasing the regular contribution with minimum RM10,000 per increment as long as youhave enough slack in your PUA, subject to underwriting.You may also reduce your sum covered without any change in contribution

subject to minimum sum covered of RM10,000.

Option to vary sum covered

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Appendix

LEHA



-

-

-

Tabarru' amount and wakalah charges above may be varied from time to time by giving 90 calendar days notice to the certificateowners.

Asset management charge will be deducted on a daily basis and is reflected in the unit price.

Service charge of RM6 for contribution paid by cash/cheque or RM5 for other payment methods are levied monthly.

Tabarru' amount, which is based on age next birthday, gender, smoking status, occupational class and the sum covered, is leviedmonthly.

-

Tabarru' amount and wakalah charges

(c) Loss of sight of one eye and one limb at or above the wrist or ankle.

(b) Loss by severance of 2 limbs at or above the wrist or ankle.

(a) Total and irrecoverable loss of sight of both eyes.

In addition of the above definitions, the following disabilities will also be regarded as total and permanent disability regardless of-

Total and Permanent Disability

- For disability below age 16, total and permanent disability means that the child must need constant care and attention and is confinedby reason of accident or sickness to his/her home under medical supervision or in a hospital or similar institution. The disability must bepermanent and must last for at least 180 consecutive days.

For disability between age 16 and 60 years old, total and permanent disability means the complete inability to engage in any occupationand to perform any work for remuneration or profit. The disability must be permanent and must last for at least 180 consecutive days.

For disability above 60 years old, total and permanent disability means that she/he is unable to perform at least 3 of the activities of dailyliving either with or without the use of mechanical equipment, special devices or other aids and adaptations in use for disabled persons.The disability must be permanent and must last for at least 180 consecutive days.

-

-

Critical Illnesses

A total of 36 critical illnesses are covered:

1. AIDS due to a blood transfusion or full blown AIDS2. Aplastic anaemia3. Apallic syndrome4. Alzheimers disease5. Benign brain tumour6. Blindness7. Brain surgery8. Cancer9. Cardiomyopathy10. Chronic liver disease11. Chronic lung disease

12. Coma13. Coronary artery disease including Angioplasty andother invasive treatments for coronary artery disease

14. Deafness15. Encephalitis16. Fulminant viral hepatitis17. Heart attack18. Heart valve replacement19. Kidney failure20. Loss of independent existence21. Loss of speech22. Major burns23. Major head trauma24. Major organ transplant

25. Medullary cystic disease26. Meningitis

27. Motor neurone disease28. Multiple sclerosis29. Muscular dystrophy30. Paralysis31. Parkinsons disease32. Poliomyelitis33. Primary pulmonary arterial hypertension34. Stroke35. Surgery to the aorta36. Systemic lupus erythematosus lupus nephritis

The contributions and Tabarru' of PruBSN FirstLink and additional benefits may be varied by PruBSN from time to time by giving 90calendar days written notice.

- PruBSN FirstLink is a Shariah-compliant product.

--

Notes:

Claims Submission:

-

-

If you need to make a claim, you must send us a written notice to the following address. For accidental claim, it should be within thirty(30) days while for other claim within sixty (60) days from the event date:-Prudential BSN Takaful BerhadLevel 8A, Menara Prudential,No. 10, Jalan Sultan Ismail,50250 Kuala Lumpur

Once we have received the notice, we will let you know what documents we need so that we can process your claim.

Date : 4/7/2012

Presented by :


SAM AY3

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LEHA

Appendix

Additional Benefits

Crisis Shield pays the sum covered on diagnosis of a critical illness. This is paid in lieu of the basic plan sum covered. Units remain inthe plan. If the sum covered of Crisis Shield paid is less than that of basic plan sum covered, the excess sum covered of the basic plancan be continued with the payment of contributions.

Compassionate Benefit will be paid on death of Covered Person. This benefit will be payable within 3 working days if the nominee or

immediate family member present full requirement to PruBSN.

Accidental Death and Disablement pays- the compassionate allowance of RM2,000 per life on death due to natural and accidental causes.- the sum covered on death or total and permanent disability due to accident.- a percentage of the sum covered on disablement (based on scale of benefits) due to accident.

Accidental Medical Reimbursement reimburses the actual expenses incurred for medical treatment up to the sum covered within 104weeks from date of accident.

Takaful Health2 pays the benefits according to the plan selected below in the event of hospitalisation or out-patient treatment due toillness or injury before selected expiry age.

RM 500,000RM 50,000

RM 1,000

RM 150

TH 150

}

}

}

}

}

}

}

}As charged

}As charged

Yes

Surgical

In-hospital and related services

Out-patient Treatment Benefits**

Hospital daily room and board (up to 120 days per certificate year)

Post-hospitalisation treatment (within 90 days after hospital discharge)

Home nursing care (up to 180 days per lifetime)

Day surgery

Cancer treatment

Kidney dialysis

Emergency treatment for accidental injury (Annual Limit)

Overall Annual LimitLifetime Limit

Intensive care unit (up to 30 days per certificate year)

Emergency Medical Assistance

Pre-hospitalisation treatment (within 30 days before hospitalisation)

Plan

Hospital and Surgical Benefits*

Co-Takaful

For hospital and surgical benefits (except hospital daily room and board benefit), the participant need to pay 10% of total eligibleexpenses subject to a minimum co-Takaful amount of RM300 and a maximum co-Takaful amount of RM1,000.

*

For out-patient treatment benefits, the participants need to pay 10% of total eligible expenses subject to maximum co-Takaful ofRM2,000. PruBSN reserves the right to revise the minimum and maximum co-Takaful amount once in every 12 months, by giving30 calendar days notice. For the minimum co-Takaful amount only, the amount to be increased during such revision shall notexceed RM100.

**

1. Overall Annual Limit and Lifetime Limit do not apply to Emergency Medical Assistance.

Notes

No Claim Bonus

RM100 will be payable on each anniversary of the benefit provided no claims were made in the previous year.

2. Emergency Medical Assistance is a complimentary service provided by a contracted third provider and can be terminated by giving14 calendar days notice.

Medical Cover pays the benefits below in the event of hospitalisation due to illness or injury before selected expiry age. One unit ofMedical Cover pays

- RM50 per day (up to 100 days in a certificate year) for hospital confinement.- RM100 per day (up to 30 days in a certificate year) while confined to an intensive care unit, and- a lump sum up to RM2,500 (up to RM12,500 in a certificate year) for a surgical procedure, depending on its severity rating.

Hospital Benefit pays a daily cash benefit in the event of hospitalisation due to illness or injury before selected expiry age. One unit of HospitalBenefit pays RM50 per day (up to 100 days in a certificate year) for hospital confinement.

Date : 4/7/2012

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LEHA

Appendix

Contributor pays an annual benefit equal to the PUA certificate contributions under the certificate on total and permanent disabilitybefore age 70 or diagnosis of a critical illness during the certificate term.

Date : 4/7/2012

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Quotation For PruBSN FirstLinkLEHA

Tabarru'

Product Disclosure Sheet

Read this Product Disclosure Sheet before you decide to take up PruBSNFirstLink. Be sure to also read the general terms and conditions.

1. What is this product about?This investment-linked Takaful certificate (ILT) offers a combination of Takaful protection and investment. It pays a lump sum death benefit ifyou die or are totally and permanently disabled during the term of the certificate and the value of the investment units, at the time of claim. Thevalue of the ILT depends on the price of the underlying units, which in turn depends on the performance of your chosen fund. Medical andhealth rider provides for hospitalisation and surgical expenses incurred due to illnesses covered under the certificate.

2. What are the Shariah concepts applicable?An arrangement where a portion of your contribution is donated into a fund to assist fellow participants in need throughthe benefits entitled to them.

An arrangement appointing PruBSN to manage the overall services provided under your certificate. We will take a portionof your contribution in return of these services, which include commission, distribution related charge, asset managementcharge and service charge.

3. What are the covers/benefits provided?

RM 32,000Death benefit :

RM 30,000Total and permanent disability benefit:

RM 1,560 p.a

- Lump sum

- Regularly

PruBSN FirstLink

4/7/2012

Wakalah Bil Ajr

-

-

- Lump sum

Critical illness benefit :RM 10,000- Lump sum

- Regularly RM 1,560 p.a

As charge (subject to max RM2,000)- Medical reimbursementRM 20,000- Death

Accidental benefit :

RM 50,000 p.aAnnual limit on benefits payable

Aggregate lifetime limit on benefits payable RM 500,000

Medical benefit - Takaful Health2 :

RM 150

- Reimbursement of medical expenses up to:

- Room and board

- Hospital and surgical benefit

- Outpatient treatment benefitAs charged (subject to co-takaful)As charged (subject to co-takaful)

Hospitalization income benefit:

RM 100 per day

RM 200 per day- Normal hospital confinement

- ICU confinement

- Surgical procedure RM 2,500 per procedure

Funds chosen:

Takafulink (TDE): 100%Dana Ekuiti

Please read the marketing literature which include product benefits and objective of the investment-linked fund.It is important to select a fund or a combination of funds that suit your financial goals and risk profile.

Reminder:

RM

4. How much contribution do I have to pay?

The total contribution that you have to pay and the certificate terms may vary depending on the underwriting requirements of PruBSN.

The estimated total contribution that you have to pay:

Protection Unit Account: 130.00

We will allocate a portion of the contribution to purchase units in the investment-linked fund that you have chosen. Any unallocated amount willbe used to pay wakalah charges, which include commissions to agents and other expenses incurred by PruBSN. You are advised to refer tothe allocation rates given in the plan illustration.

Investment Unit Account:

Total Contribution :

RM

RM

0

130.00 Monthly

SAM AY3


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-

-

-

Fund switch charge is set at 1% subject to a maximum of RM50. Four free switches are allowed every certificate year.

Service charge of RM6 for contribution paid by cash or cheque and RM5 for contribution which paid by other paymentmethod. The service charges are levied monthly.

Charges above may be varied from time to time.

Top-up incurs a one-off top-up charge of RM25 for every top-up less than RM5,000.

Other charges are as follows:

The Tabarru' is deducted monthly from the value of your units. The Tabarru' will increase as you grow older. Details of Tabarru' and othercharges for the ILT are given in the plan illustration.

5. What are the charges I have to pay?

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Lapse of certificate - The ILT certificate will lapse when the value of investment units is insufficient to pay for the Tabarru' and other charges.

Cash value - the cash value of the ILT depends on the performance of the investment-linked funds selected. The higher the level of Takafulcoverage selected, the more units will be absorbed to pay for the Tabarru' and fewer units will remain to accumulate cash values under yourcertificate.

General

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

Importance of disclosure - you must disclose all material facts such as medical condition, and state your age correctly.

Free-look period - you may cancel your ILT by returning the certificate within 15 calendar days from the delivery date of the certificate. PruBSNwill refund to you the unallocated contributions, the value of units that have been allocated (if any) at unit price at the next valuation date andany Tabarru' and certificate charge that have been deducted less any medical fee incurred.

In the event of total and permanent disability before age 70, one lump sum payable under all certificates with PruBSN on a person is up toRM1 million per person. Any excess is paid on the first anniversary of the Covered Person's total and permanent disability subject to proof ofcontinued disability. Upon earlier death, the balance of any unpaid benefit is paid immediately. The maximum payable under all certificates isRM4 million per person.

For Medical & Health Takaful5

Qualifying/waiting period - The eligibility for:

Critical illness benefits under the certificate will only start 60 days after the effective date of the certificate for heart attack, coronaryartery disease that needs surgery, cancer or other serious coronary artery heart disease and 30 days for other critical illnesses.

-

- Medical Cover and/or Hospital Benefit and/or Medic Essential under the certificate will start immediately for hospitalisation due to

accidents and 30 days for any other causes.

Takaful Health2 and/or TH Annual Limit Waiver under the certificate will only start 120 days after the effective date of the certificate forspecified illnesses and 30 days for all other illnesses. Cover for hospitalisation due to accidents commences immediately.

-

- Accidental Medical Reimbursement under this certificate will start immediately.

Takaful Health2

Co-takaful:

- You will have to pay 10% of the total costs incurred, subject to minimum of RM300 and maximum of RM1,000 for hospital & surgicalbenefit while for outpatient treatment benefit there are no minimum of co-takaful but subject to maximum of RM2,000.

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

5 Applicable to Crisis Shield, Crisis Cover Plus, Accidental Medical Reimbursement, Takaful Health2, Medic Essential, Medical Cover, HospitalBenefit, Takaful Puteri, Takaful Puteri Plus, Crisis Cover Income, Family Income Benefit, TH Retirement, TH Annual Limit Waiver, TH AutoUpgrade, TH Overseas, Contributor, Takaful Saver Contributor, Spouse Contributor, Takaful Saver Spouse Contributor, Parent Contributor,

Takaful Saver Parent Contributor, Joint Contributor, and Takaful Saver Joint Contributor only.

Total and Permanent Disability

Attempted suicide or self-inflicted injuries while sane or insane.

Engaging in aerial flights including parachuting and sky-diving other than as a crew member of or as a fare-paying passenger on a licensedpassenger-carrying commercial aircraft operating on a regular scheduled route.

If the death is due to suicide within the first certificate year, no takaful coverage will be payable, but the remaining value in PUA and IUA willbe paid.

Death

7. What are the major exclusions under this certificate?

Critical Illness

Illness is directly or indirectly caused by acquired AIDS or any HIV infection, except when AIDS is full blown or is caused by a bloodtransfusion.

Plastic/Cosmetic surgery, circumcision, eye examination, glasses, lens and refracrion or sugical correction of nearsightedness and/ orfarsightedness and the use or acquisition of external prosthetic appliances or devices such as artifical limbs, heatring aids, cochlear apparatus,implanted pacemaker and prescriptions thereof.

Pre-existing condition if such condition was not disclosed in the proposal form or any other form relating to your health status after thecertificate is in-force.

Medical and Health

Dental conditions including dental treatment or oral surgery as necessitated by accidental injuries to sound natural teeth occuring whollyduring the period of takaful. Expenses arising from placement of denture, root canal treatment and prosthetic services such as bridges,implants an crown or their replacement will not be payable.

Private nursing (except for Home Nursing Care Benefit), rest cures or sanitaria care, illegal drugs, intoxication (including and not limited toalcohol and drugs ), sterilization, venereal disease and its sequele, AIDS and AIDS related complex and HIV related diseases, and anycommunicable diseases requiring quarantine by law.

Any treatment or surgical operation for congenital abnormalities or deformities including hereditary conditions.

Pregnancy, current and previous pregnancies (and related complications), child birth (including surgical delivery and any surgical or nonsurgical procedure of the female reproductive system during surgical delivery), miscarriage, abortion and prenatal or postnatal care andsurgical, mechanical or chemical contraceptive methods of birth control, treatment pertaining to infertility as well as erectile dysfunction, and

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Hospitalisation primarily for investigatory purposes, diagnosis, x-ray examination, general physical or medical examinations, not incidental totreatment or diagnosis of covered disability or any treatment which is not deemed medically necessary and any preventive treatments,preventive medicines or examinations carried out by a physician, and treatments specifically for weight reduction or gain.

tests or treatment related to impotence or sterilization.

Suicide, attempted suicide or intentionally self-inflicted injury while sane or insane.

War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riotsand civil commotion or insurrection.

Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear fission or from any nuclearweapons material.

Expenses incurred for donation of any body organ by a covered person and costs of acquisition of the organ including all costs incurred by thedonor during organ transplant and its complications.

Investigation and treatment of sleep and snoring disorders, hyperhidrosis treatment, hormone replacement therapy, stem cells therapy (otherthan for haemopoeitic blood disorder), hyperbaric oxygen therapy and alternative therapy such as treatment, medical service or supplies,including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bonesetting, herbalist treatment, massage or aromatherapy or other alternative treatment.

Care or treatment for which payment is not required or to the extent which is payable by any other takaful or indemnity covering the coveredperson and disabilities arising out of duties of employment or profession that is covered under a Workman's Compensation Takaful Contract.

Psychotic, mental or nervous disorders and those due to senile disorders (including any neuroses and their physiological or psychosomaticmanifestations).

Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, broadband services, electricity bills, radiosor similar facilities, admission kit/pack and other ineligible non-medical items.

Sickness or Injury arising from racing of any kind (except foot racing), hazardous sports such as but not limited to parachuting, skydiving,water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports and illegal activities.

Private flying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over establishedroutes.

Expenses incurred for sex changes.

Any insect bite including mosquito bites and worm infestation during the 30 days waiting period.

Charges which are not Reasonable and Customary Charges, or any surgery or treatment which is not Medically Necessary, or charges inexcess of Reasonable and Customary Charges, or charges which are incurred for Hospitalisation, pre-hospitalisation and/ or post -hospitalisation after the expiry date.

Accidental

War, invasion, act of foreign enemy hostilities whether it is declared or not, civil war, rebellion, revolution, insurrection, military or usurpedpower, direct participation in riot, strike or civil commotion.

Engaging in professional sports, scuba diving, racing of any kind, aerial flights other than as crew member of or as a fare-paying passenger ona licensed passenger-carrying commercial aircraft operating on a regular scheduled route or any dangerous activities or sports (includingbungee jumping, hang-gliding, ballooning, parachuting and sky-diving), unless agreed to by a special endorsement.

Taking drugs or narcotic unless taken as prescribed by a qualified doctor or physician.

Attempted suicide or self-inflicted injuries while sane or insane.

Any violation or attempted violation of the law or resistance to arrest.

Pregnancy, current and previous pregnancies (and related complications), child birth (including surgical delivery and any surgical or nonsurgical procedure of the female reproductive system during surgical delivery), miscarriage, abortion and prenatal or postnatal care andsurgical, mechanical or chemical contraceptive methods of birth control, treatment pertaining to infertility as well as erectile dysfunction, andtests or treatment related to impotence or sterilization.

Pre-existing physical or mental defect or infirmity.

Alcohol and drugs intoxication.

Any insect bite including mosquito bites and worm infestation.

Note: The list is non-exhaustive. Please refer to the certificate document for the full list of exclusions under this certificate.

8. Can I cancel my certificate?

Participating in a regular contribution ILT is a long-term financial commitment. It is not advisable to hold this certificate for a short period oftime in view of the high initial costs. If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch thefund. You are allowed four switches per certificate year without any charge. You may cancel your certificate by giving a written notice toPruBSN.

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

It is important that you inform us about any change in your contact details to make sure that all correspondence reaches you on time.

10. Where can I get further information?

Should you require additional information about investment-linked Takaful and medical and health product, please refer to the insuranceinfobooklet on 'Investment-linked Takaful' and 'Medical and Health Takaful', available at all our branches or you can obtain a copy from theTakaful agent or visit the website at www.insuranceinfo.com.my.

Prudential BSN Takaful Berhad (740651-H)

If you have any enquiries, please contact us at:

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Please contact your agent or PruBSN for other types of similar covers available.

11. Other similar types of family takaful cover available:

The information provided in this disclosure sheet is valid as at 4/7/2012

NOT

www.prubsn.com.myYou can also log on to our website at

Level 8A, Menara Prudential, No. 10, Jalan Sultan Ismail50250 Kuala Lumpur

Tel: 03 2053 7188 Fax: 03 2072 6188 Email: [email protected]

YOU MUST EVALUATE YOUR OPTION CAREFULLY AND SATISFY YOURSELF THAT THE INVESTMENT-LINKED TAKAFUL PLANCHOSEN MEETS YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE CONTRIBUTION THROUGHOUT THE CERTIFICATEDURATION. TO INCREASE INVESTMENT VALUE AT ANY TIME, IT IS ADVISABLE THAT YOU PAY THE ADDITIONALCONTRIBUTIONS AS 'TOP UPS'. RETURN ON AN INVESTMENT-LINKED FUND IS GUARANTEED. YOU SHOULD READ ANDUNDERSTAND THE TAKAFUL CERTIFICATE AND DISCUSS WITH THE AGENT OR CONTACT PRUBSN DIRECTLY FOR MOREINFORMATION.

IMPORTANT NOTE:

SAM AY3Presented by :

4/7/2012Date :

sh soleha quo

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