What is Takaful? Takaful is a concept of mutual guarantee, which is in compliance with Shariah principles.

Contributions collected are pooled together to provide for benefits in the event of losses suffered by any of its participants. Hong Leong Tokio Marine Takaful Berhad (HLTM Takaful) as a Takaful Operator is entrusted to efficiently manage and invest this mutual fund.

What is HLTMT i-Save plan? It is a regular contribution investment-linked family takaful plan, which provides both protection and investment returns.

How can you and your family benefit from HLTMT i-Save plan?

Assistance in times of misfortune In the event of Death, the amount of sum covered and the value of units in your Participant's Investment Account (PIA) will be paid to your beneficiary. For Total Permanent Disability (TPD), the same will be paid to you. Flexible contribution mode You can choose your mode of contribution payment that is either monthly, quarterly, half yearly or annually. Upon maturity You will receive the full value of your PIA units (based on the current unit price at the time of maturity). Easy withdrawal for greater financial flexibility The minimum amount you can withdraw is RM500 (subject to a minimum balance of RM3,000 to be maintained). Top up anytime you want The minimum top up is RM500.

Your Choice of Fund

HLTMT i-Income Fund This fund aims to preserve capital and generate stable income by investing predominantly in Islamic debt securities and to a certain degree in equities. HLTMT i-Balanced Fund This fund targets medium to long-term capital growth as well as generates regular income through a diversified investment portfolio containing a mixed balance of Islamic debt securities and equities. Both funds are invested in accordance with Shariah principles.

Tabarru' Tabarru', which means donation, gift or contribution is the underlying principle of the Takaful concept, making it free from uncertainty (gharar) and gambling (maisir). A Tabarru' charge/fee will be deducted monthly from your PIA and transferred into a pooled fund, known as Risk Fund. This fund will be used to pay out Death or TPD benefits. The Tabarru charges are varied by sum covered, attained age, occupation and medical rating (if any). The Tabarru' rates may vary and HLTM Takaful will give three (3) months written notice to the participants before the revision.

Contribution Allocation The contributions are allocated according to the certificate year and its corresponding percentages. Year 1 2 3 4 5 6 7 onwards % of Contribution 42.00 53.00 67.50 67.50 77.50 77.50 96.50

How will your contribution be invested? After deducting wakalah fee, your contribution will be allocated in PIA to create units in your choice of either HLTMT i-Income Fund or HLTMT i-Balanced Fund. The profits from these funds are based on the actual performance of the funds. As with all types of investments, our HLTMT i-Save plan also involves exposure to investment risks. This is because the value of HLTMT i-Save plan is linked to the unit price of an investment

fund, which fluctuates in tandem with the unit price. When the unit price increases, the value of your investment will also increase and vice versa. The investment risk of the investment fund will be borne solely by you and the benefits payable upon withdrawal may be less than the total contributions.

How will your contribution in the PIA and Risk Fund be invested? Both funds will be invested in compliance with Shariah principles. The investment profits shall be kept in the respective funds.

How are surpluses, if any, from the Risk Fund treated? Any surpluses exceeding reserves may be donated by HLTM Takaful to selected charities as advised by our Shariah Advisory Committee.

What happens if the Risk Fund is insufficient to pay for the benefits? HLTM Takaful will provide a benevolent loan (Qardhul Hasan) to ensure continued solvency of the Risk Fund to pay the benefits. This loan will be repaid in time from emerging surpluses that may arise in the Risk Fund in subsequent periods.

Duration of Contract Entry Age (Next birthday)

Up to age 80 next birthday Minimum: 30 days Maximum: 60 years old

Minimum Contribution RM100 per month Sum Covered Minimum: 5x Annual Contribution Maximum: 50x Annual Contribution

What would be the acceptance procedure to participate? You are required to fill in an Application Form. However, HLTM Takaful may require additional information from you if deemed necessary. This may include medical examination, the cost of which, will be borne by us. Charges/ Fees Wakalah fee on contribution: Year 1 2 3 4 5 6 7 onwards % of Contribution 58.00 47.00 32.50 32.50 22.50 22.50 3.50 Other charges:

Administrative Charge Top Up Charge Wakalah Fee on Top Up Partial Withdrawal Charge Surrender Charge

RM5 per month RM25 per top up 5% of top up amount RM50 per withdrawal 1 st year = 5%, 2 nd year = 4%, 3 rd year = 3%, 4 th year = 2%, 5 th year = 1%, 6 th year onwards = 0% HLTMT i -Income Fund : 1.00% HLTMT i - Balanced Fund : 1.25%

Fund Management Fee

Note: The above fees and charges are the current charges. HLTM Takaful may vary the rates by giving three (3) months written notice to the participants before the revision. Exclusions to the coverage No benefit shall be paid if:

Death is due to or arising from suicide or attempted suicide and/or other causes prohibited by civil and criminal laws and/or by Shariah. Under such circumstances, only the value of your PIA at the time of Death will be payable. TPD is due to AIDS or the influence of intoxicants.

For the full details of the exclusion list, please refer to your certificate contract. Notes:

For cases of ceasing contribution, your certificate will remain in force, as long as your PIA value is enough to cover the Tabarru' deduction. If any contribution remains unpaid after the PIA amount becomes insufficient to advance any Tabarru', the Certificate shall lapse. This certificate will lapse if the PIA value at unit price is less than or equal to zero. You should satisfy yourself that the plan best serve your needs and the contribution is an amount you can afford. This leaflet is merely for brief information and is not intended to be the basis of a Takaful contract. The information contained in this leaflet may change without prior notice. The precise benefits, terms and conditions and other details of coverage are set out in the Takaful Certificate. In the event of any dispute or ambiguity arising out of the Bahasa Malaysia translation, the English version shall prevail. What is Hajj by Proxy (Badal Haji)? Hajj by Proxy (Badal Haji) is performing an obligatory Hajj (Pilgrimage to Mecca ) on behalf of those who is unable to perform Hajj due to sickness, old age or dies before fulfilling part of his/ her Five Pillars of Islam duties. As mentioned in Surah Al-Imran verse 97: "In it are Clear Signs (and) the Station of Ibrahim; and whoever comes within its bound he is in a state of peace. And Pilgrimage to the House is a duty men to Allah owned by all people, (upon) everyone who is able to undertake the journey to it; but whoever disbelieves, then surely Allah is above any need of (all) creatures." What are the Shariah rulings for Hajj by Proxy? Whoever is able to perform Hajj and then something detains / stop him from performing it, whether illness, old age or Death, should charge someone to perform Hajj on his behalf. Al-Fadl bin 'Abbas reported that a woman from Khath`am said to the Prophet Muhammad s.a.w., "O Messenger of Allah! The rite of Hajj which Allah ordained upon His servants has become obligatory upon my father, but he is too old to ride a camel. May I perform Hajj on his behalf?" He answered, "Yes". Another Hadith narrated by Ibn `Abbas classified Hajj as a debt to Allah. A woman asked the Prophet Muhammad SAW, if she should perform Hajj for her mother who vowed to perform Hajj for the sake of Allah but had died. The Prophet SAW said: "Perform Hajj for her. Have you seen that if she has a debt, you would have paid for her?" She said: "Yes." He said: "So pay it. For Allah has more right to be paid." What is Hajj? Hajj is one of the Five Pillars of Islam duties incumbent on every Muslim. Literally the word "Hajj" means heading for an honorable person or place and legally Hajj means worshipping Allah by performing the Hajj rituals, which are defined as specific acts performed at a specific time and place in a specific way. As mentioned in Surah Al-Imran verse 96: "Verily, the first House among all marked for worship for people is that which is in Makkah abounding in blessings and a guide for the entire world." If a person dies without performing Hajj as an Islamic obligation or as a vow, it is then obligatory upon his successor to charge someone to perform Hajj on his behalf and to finance his journey from the deceased person's money. What are the Shariah rulings in performing Hajj? The Prophet Muhammad s.a.w. said:"The Hajj which is accepted will receive no other reward than Paradise ." "He who performs Hajj and neither spoke indecently nor did he act wickedly would return free of sin as on the (very first) day his mother born him." "O people, Allah made Hajj obligatory for you; so perform Hajj. Thereupon a person said, `Messenger of Allah, (is it to be performed) every year?' He (the Holy Prophet) kept quiet, and the man repeated (these words) thrice, whereupon Allah's Messenger said, `If I were to say: yes, it would become obligatory (for you to perform it every year) and you would not be able to do it." Hajj by Proxy offered by HLTM Takaful At HLTM Takaful, we provide Hajj by Proxy service in appointing someone to perform Hajj on behalf of the deceased or the unfit person in the event of Death or Total Permanent Disability (TPD) for our Participants. What is the different between Hajj by Proxy service offered by HLTM Takaful and other travel agency?

Our Hajj by Proxy service is offered via an official appointed representative, TH Travel & Services Sdn. Bhd. Only qualified personnel can execute Hajj by Proxy which will be selected by TH Travel & Services Sdn. Bhd. The permissibility of this service is fully recognized and approved by the Malaysian Government. How can you and your family benefit from Hajj by Proxy service? This service is offered to all Muslim participants who participate in HLTM Takaful schemes. With Hajj by Proxy , HLTM Takaful Muslim Participants are able to fulfil part of the Five Pillars of Islam duties in the event of Death or TPD. How Hajj by Proxy is executed? This hallmark initiative service will be managed by TH Travel & Services Sdn Bhd, a wholly owned subsidiary of Lembaga Tabung Haji in appointing the qualified person to perform Hajj on behalf of HLTM Takaful's participant. In the event of Death or TPD, a sum of RM 2500.00 shall be deducted from the benefit payable to the Nominee for payment of Hajj by Proxy to TH Travel & Services Sdn Bhd. TH Travel & Services Sdn. Bhd. shall appoint a qualified person to perform Hajj by Proxy service on behalf of HLTM Takaful's participant. Hajj by Proxy shall be executed during Hajj season in accordance with the queue list. Is the benefit payable subject to Islamic Law of Inheritance (Faraid)? The benefit payable is not subject to Islamic Law of Inheritance (Faraid) until the Participant's Nominee has settled all debts, funeral observances, zakat and any requirements set by the Shariah. Any balance shall then be under the Islamic Law of Inheritance (Faraid) What happens if the Nominee refuses to discharge the payment for Hajj by Proxy? Consent given by the Nominee in the form is a binding contract under Malaysian Contract Act 1950 and must be observed. Failure to observe may be subject to breach of contract for non-performance of contract. What does the Participant/Next-of-Kin receive? The Participant/Next-of-Kin shall receive a certificate from TH Travel & Services Sdn. Bhd. as prove the Hajj by Proxy has been performed on behalf of the participant. What are the requirements to participate in the Hajj by Proxy offered by HLTM Takaful ?

Participate in any of HLTM Takaful's schemes Fill in the Hajj by Proxy Application Form Nominate a Nominee (must be 18 years old and above).

What are the prerequisites in performing Hajj? The person performing Hajj should observe the following: i. Muslim The person must be a Muslim Freedom The person is not owned or a slave to anyone. Eligibility Attain the age of puberty. Physical and financial ability This ability is subject to the following conditions: a. b. c. d. e. Have sufficient food and other provisions for the journey to and from Hajj; A means of transportation should be available; Provisions and the cost of transport should not affect in repaying one's debts nor providing for one's family; Have enough strength to endure the journey; and The journey should be safe and secure.

ii.

iii.

iv.

For a female, pilgrimage should be with a secured and trustworthy companion.