PruBSN WarisanPlus

Prepared by: AHMAD HARRIS FITRI BIN HASHIM

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Quotation for Kawan Rafi
PruBSN WarisanPlus

PRODUCT DISCLOSURE SHEET PRUDENTIAL BSN TAKAFUL BERHAD

(Read this Product Disclosure Sheet before you decide to
take out PruBSN WarisanPlus. Be sure to also read PruBSN WarisanPlus
the general terms and conditions.) 12/12/2019

1. What is this product about?

This product is a 5 years regular contribution investment-linked takaful (ILT) plan that offers a combination of takaful protection and investment for 29
years. The benefit is payable upon death during certificate term or Total Permanent Disability (TPD) during the term of the certificate or up to the
certificate anniversary date of the Covered Person's age 70 next birthday, whichever is earlier.
The total investment value depends on the price of underlying units, which in turn depends on the performance of your chosen funds.
This product comes with an option to extend the term of the basic plan and rider(s) (if applicable) up to the certificate anniversary date of the Covered
Person's age 100 next birthday (''Extension of Certificate Term''). During the extended period, all the terms and conditions of the certificate shall apply,
and Tabarru' and other charges will still continue to be deducted. Additional contribution will be required to ensure sufficient value of units. The
certificate shall lapse once there is insufficient value of units to deduct for Tabarru' and other charges.

2. What are the Shariah concept applicable?

Taawun - a cooperative arrangement based on the principles of mutuality and solidarity encompassing the elements of joint indemnity and common
interest. Takaful is premised on the concept of ta`awun as defined under Section 2 of the Islamic Financial Services Act 2013 to mean an arrangement
based on mutual assistance under which takaful participants agree to contribute to a common fund providing for mutual financial benefits payable to
the takaful participants or their beneficiaries on the occurrence of pre-agreed events. The contribution into the common fund i.e. Tabarru ` Fund is
tabarru`at (charitable) in nature.
Wakalah Bil Ajr - an arrangement appointing PruBSN to manage the overall services provided under your takaful certificate. In return for the service,
we are entitled to Wakalah Charges.

3. What are the covers / benefits provided?

This certificate covers:
Death - Basic Sum Covered of RM1,000,000 or the value of units in the Protection Unit Account (PUA), whichever is higher; plus the value of units in
the Investment Unit Account (IUA) (if any); and
Total and Permanent Disability (TPD) - RM1,000,000
The table below summarises the benefits that you have selected. Please refer to the relevant Appendices for more information about the benefits of the
basic plan and riders.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Basic Benefits
Death Benefit (a) Basic Sum Covered of RM 1,000,000; or the value of units in the PUA, whichever is
higher (hereafter referred to as (a)); plus
(b) the value of units in the IUA (if any).
Total and Permanent Disability RM 1,000,000 shall be payable upon certificate anniversary date of the Covered Person's
(TPD) Benefit age 70 next birthday or expiry of the certificate, whichever is earlier.
(Payment of this benefit will reduce the Basic Sum Covered)
Accidental Death Benefit Death Benefit and one of the below shall be payable if the following event happens prior
(ADB) to the certificate expiry date or the certificate anniversary date of the Covered Person's age
70 next birthday, whichever is earlier:
i. an additional 100% of (a) if death is due to accident; or
ii. an additional 200% of (a) if death is due to accident from commuting in public
conveyance, elevator car, burning of theatre, hotel or other public building; or
iii. an additional 300% of (a) if death is due to accident occurring while Covered Person
is residing or travelling outside of Malaysia (except Singapore and Brunei) for not
more than 90 consecutive days, or in Singapore or Brunei for any number of days.
Infectious Disease Benefit RM 5,000 shall be payable for each diagnosis of infectious disease in Category A that
happens prior to the certificate expiry date or the certificate anniversary date of the
Covered Person's age 70 next birthday, whichever is earlier, subject to each infectious
disease only being payable once during the certificate term.
RM 10,000 shall be payable for each hospitalization due to infectious disease in Category
B that happens prior to the certificate expiry date or the certificate anniversary date of the
Covered Person's age 70 next birthday, whichever is earlier, subject to each infectious
disease only being payable once during the certificate term.
Khairat Benefit RM 3,000 shall be payable upon death of the Covered Person due to any causes prior to
the certificate expiry date, subject to terms and conditions stipulated in certificate
documents.
Maturity Value Total investment value of the certificate.
Note: Accidental Death Benefit and Infectious Disease Benefit shall not be payable if Basic Sum Covered is reduced to zero by accelerating benefit such
as TPD Benefit and/or Crisis Shield.
Contributor Benefit
Contributor Protect RM 26,076 p.a.

Funds chosen:
Takafulink Dana Urus 0%
Takafulink Dana Bon 0%
Takafulink Dana Ekuiti 50%
Takafulink Dana Ekuiti Dinasti 50%
Takafulink Dana Dinamik 0%
Takafulink Dana Ekuiti Global 0%
Takafulink Dana Aktif 0%

Reminder: Please read the marketing literature which includes product benefits and objectives 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.

Length of the certificate: 29 years or until death (if death happens earlier).

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: RM 2,219.00 Monthly for the first year with the following breakdown.
Protection Contribution: RM 2,219.00
Total Contribution RM 2,219.00 Monthly
Please refer column "Total Contribution Paid" at the Summary Illustration table for the estimated contribution for each year.
Contribution are paid until age 46 next birthday.
It is important that any receipt that you receive should be kept as proof of payment of contributions.
We allocate a portion of the contribution to purchase units in the investment-linked fund that you have chosen. Any unallocated amount will be used to
pay wakalah charges, which include commissions to our agents and other expenses incurred by PruBSN. You are advised to refer to the allocation rates
given in the plan illustration.
5. What are the deduction and charges I have to pay?
Type Amount
Total Upfront Wakalah Charge 20.23% of contribution or RM 26,933.64 out of RM 133,140.00
Please refer to Summary Illustration for Upfront Wakalah Charge for each certificate year.
The Tabarru' are deducted monthly from value of units in PUA. The Tabarru' deduction will increase as the Covered Person grows older. Details of the
Tabarru' deduction for the certificate are given in the plan illustration.
Other charges are as follows:
Takafulink Dana Bon 0.50% per annum of the fund assets
Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036
Date : 12/12/2019
Version : 1.3.30.5

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Takafulink Dana Urus 1.30% per annum of the fund assets
Takafulink Dana Ekuiti 1.50% per annum of the fund assets
Asset Management Wakalah Charge Takafulink Dana Ekuiti Dinasti 1.50% per annum of the fund assets
Takafulink Dana Dinamik 1.25% per annum of the fund assets
Takafulink Dana Ekuiti Global 1.50% per annum of the fund assets
Takafulink Dana Aktif 1.50% per annum of the fund assets
Note: Asset Management Charge will be deducted on a daily basis and is reflected in the unit price.
For contribution paid by cash or cheque RM8 per month.
Wakalah Service Charge For contribution paid by other payment
RM7 per month.
method
Note: Wakalah Service Charge is illustrated in the Plan Illustration.
First 4 switches in a certificate year No charge.
Fund Switching Wakalah Charge* Subsequent switch within the same 1% of the amount switched, subject to maximum of RM50
certificate year per switch.
Single Contribution Top-up Wakalah
RM25 for every top-up.
Charge*
Partial Withdrawal Wakalah Charge* RM25 for every request.
Notes:
1. *These charges are currently waived until electronic transactions are made available. Thereafter, manual requests for additional fund switching,
contribution top-up and partial withdrawal will be subjected to the charges mentioned.
2. Charges are not guaranteed and may be revised from time to time. We will give you 90 days written notice before any changes are made.
3. Please note that you may need to pay additional contribution even after the contribution payment term if there is any increase in your Tabarru'
deductions and/or charges.
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 the Covered Person's age correctly when
answering any question asked by us. If the certificate is intended wholly for personal purposes, you must take reasonable care to disclose any facts that
you know to be relevant to us and not to mislead us. Your duty of disclosure continues until the takaful certificate is issued.
Free-look period - you may cancel your certificate within 15 days after the certificate has been delivered to you. We will refund to you the
unallocated contribution, the value of units that have been allocated (if any) at unit price at the next valuation date, your Ihsan contribution (if any) and
any Tabarru' deduction, and upfront wakalah charge that have been deducted less any medical charge incurred by PruBSN.
Cash value - the total value of units in your PUA and IUA (if any). This depends on the performance of the investment-linked funds selected. The
higher the level of takaful coverage selected, the more units will be absorbed to pay for the Tabarru' deduction and the fewer units will remain to
accumulate cash values under your certificate.
Certificate lapse - The certificate will lapse when the total investment value of the certificate is insufficient to pay for the Tabarru' deduction and other
charges after the No-Lapse Provision is revoked/expires.
Grace Period - you have a one-month grace period from each contribution due date to pay the contribution for this certificate. The certificate will
remain in force during the grace period. You may refer to certificate document for the definition of contribution due date.
Nomination - you are advised to name a nominee(s) for the takaful certificate to ensure a smooth settlement of claims. You should also ensure that the
nominee(s) is aware of the certificate that you have taken.
No-Lapse Provision - the certificate will not lapse even when the total investment value of the certificate falls to zero within the first 36 months of the
certificate. Any unpaid charges during the period when No-Lapse Provision is in effect are regarded as monies owing to PruBSN, which shall be
deducted when there is payment of contribution, payment of any benefits, or from the total investment value payable under the certificate upon
surrender.
The No-Lapse Provision will be revoked if:
(a) your contribution is not up to date; or
(b) you make a withdrawal from the Protection Unit Account.
Subsequently, the certificate shall lapse if there are insufficient amount to cover for the deduction and charges.
Claims -Please refer to the certificate document to understand further on the claims procedure.
Waiting period - the eligibility for the benefits under the certificate will only start after the waiting periods below from the effective date of the
certificate, the date of certificate revival or the date of endorsement, whichever is later.
Benefit Conditions Waiting
Period
Critical Heart attack, coronary artery by-pass surgery, serious coronary artery disease, angioplasty and other invasive
60 days
Illness & treatments for coronary artery disease and cancer
Contributor
Benefit All other covered illnesses 30 days
Accidental All covered conditions
Death Immediately
Benefit
Infectious All covered Infectious Diseases
Disease 90 days
Benefit
Please note that if you switch your current plan with another or from one provider to another, you may be subject to new underwriting requirements and
Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036
Date : 12/12/2019
Version : 1.3.30.5

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

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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7. What are the major exclusions under this certificate?

Suicide - if death was due to suicide within one year from the effective date of certificate or the date of certificate revival, whichever is later, the total
investment value of the certificate at the valuation date after the date of notification shall be payable.
Total and permanent disability benefit is not payable if the disability is directly or indirectly caused by:
(a) attempted suicide or self-inflicted injuries while sane or insane; or
(b) committing or attempting to commit a criminal offence by the Covered Person; or
(c) drugs or stimulators abuse, or their complications; or
(d) war or aggressive acts, including invasions, acts of foreign countries, enemy's acts (whether with or without war declaration), civil wars,
insurrections, revolutions, riots, interference by military authorities or usurpation; or
(e) engaging in professional sports, scuba diving, racing of any kind, aerial flights other than as a crew member of or as a fare-paying passenger on a
licensed passenger-carrying commercial aircraft operating on a regular scheduled route or any dangerous activities or sports (including bungee
jumping, hang-gliding, ballooning, parachuting and sky-diving), unless we agree in a special endorsement; or
(f) any pre-existing conditions that were not disclosed to us in relation to the Covered Person's health status. This is applicable within 12 months
from the date the certificate becomes effective. Any pre-existing conditions that were not disclosed to us after the 12 months will be handled in
accordance with Schedule 9 of the Islamic Financial Services Act 2013; or
(g) any congenital disorder, birth trauma and its residual complications, for a certificate or Annex approved while the Covered Person is still in the
womb.
Note: The above exclusions are for basic plan only. Exclusions for additional benefits, please refer to the Appendix under Plan Illustration.
This list is non-exhaustive. Please refer to the certificate document for the full list of exclusions and exclusions on other benefits under this certificate.
8. Can I cancel my certificate?
Participating in a regular contribution investment-linked certificate is a long-term financial commitment. It is not advisable to hold this certificate for a
short period of time and/or replace it with a new certificate 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 fund. You are allowed four switches per year without any charges. For additional switches, you may be
charged a Fund Switching Wakalah Charge.
However, the fee is currently waived until electronic transactions are made available. Thereafter, manual requests for additional switches will be subjected
to the fees mentioned.

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

It is important that you inform us of any change in your contact details to ensure that all correspondences reach you in a timely manner.
10. Where can I get further information?

Should you require additional information about investment-linked takaful, please refer to the insuranceinfo booklet on 'Investment-Linked Takaful',
available at all our branches or you can obtain a copy from your agent or visit the website at www.insuranceinfo.com.my.
If you have any enquiries, please contact us at:
Prudential BSN Takaful Berhad (740651-H)
Level 13, Menara Prudential,
Persiaran TRX Barat,
55188 Tun Razak Exchange,
Kuala Lumpur.
Tel: 03-2053 7188
E-mail: customer@prubsn.com.my
You can also log on to our website at www.prubsn.com.my
11. Other similar types of plan available
Please ask your servicing agent for other similar types of plans available.

IMPORTANT NOTE:
THIS IS A TAKAFUL PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS, AND IT IS NOT A PURE
INVESTMENT PRODUCT SUCH AS UNIT TRUSTS. YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND SATISFY
YOURSELF THAT THE INVESTMENT-LINKED TAKAFUL PLAN CHOSEN MEET YOUR RISK APPETITE, AND THAT YOU CAN
AFFORD THE CONTRIBUTION THROUGHOUT THE CERTIFICATE DURATION. TO INCREASE INVESTMENT VALUE AT ANY
TIME, IT IS ADVISABLE THAT YOU PAY THE ADDITIONAL CONTRIBUTIONS AS 'TOP UPS'. RETURN ON AN
INVESTMENT-LINKED FUND IS NOT GUARANTEED.
The information provided in this disclosure sheet is valid as at or until 12/12/2019.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Details Person to be Covered

Name : Kawan Rafi
Gender : Female
Smoker : No
Occupation : Class 1
Age : 41 next birthday
Date of birth : 12/11/1979
Plan Type : Regular Contribution Investment-linked Takaful
Monthly Total Contribution : RM 2,219.00
Total Annual Contribution : RM 26,628.00
Payment Mode : Debit/Credit Card
Contribution Payment Period : 5 years
Certificate Term : 29 years (i.e. until the certificate anniversary date of Covered Person's age 70 next birthday)
Note: This product comes with an option to extend the term of basic plan and rider(s) (if applicable) up to the certificate anniversary date of the Covered
Person's age 100 next birthday (''Extension of Certificate Term''). During the extended period, all the terms and conditions of the certificate shall apply,
and Tabarru' and other charges will still continue to be deducted. Additional contribution will be required to ensure sufficient value of units. The
certificate shall lapse once there is insufficient value of units to deduct for Tabarru' and other charges.
Ratio Funds chosen:
Takafulink Dana Urus 0%
Takafulink Dana Bon 0%
Takafulink Dana Ekuiti 50%
Takafulink Dana Ekuiti Dinasti 50%
Takafulink Dana Dinamik 0%
Takafulink Dana Ekuiti Global 0%
Takafulink Dana Aktif 0%
Benefits:
Accounts Plan Term (Years) Sum Covered (RM) Contribution (RM)
Protection Unit Account (PUA): PruBSN WarisanPlus (Basic) 29 1,000,000 2,173.00
Contributor Protect 5 26,076 p.a 46.00
Protection Contribution + Allocator Contribution 2,219.00
Total Monthly Contribution 2,219.00
Allocator Contribution (if any) forms part of the contribution in PUA and it is compulsory to be paid to keep the certificate in force.
Please refer to Plan Illustration for Summary Illustration and "Projected Investment Rate of Return" for Projected Investment Return X% and
Y%. Where applicable, the numbers illustrated in the Plan Illustration are rounded to the nearest Ringgit/percent.
NOTES:
1. Actual sustainability of the certificate may be before or after the projected years age/years, depending on the actual investment return, contribution
payment, certificate benefits, Tabarru' deduction and charges.
2. You may consider topping up your contributions to improve the sustainability of your certificate.
3. Please refer to the relevant Appendices for more information about the benefits of the basic plan and riders.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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PruBSN WarisanPlus

Plan Illustration

Takaful AHMAD HARRIS

PRUDENTIAL BSN TAKAFUL BERHAD Agent:
Operator: FITRI BIN HASHIM
Quotation for: PruBSN WarisanPlus Basic Sum
Date: 12/12/2019 Covered: RM 1,000,000
Name: Kawan Rafi Optional/ Rider
Gender: Female Coverage:
Smoker: No Contributor Protect RM 26,076 p.a.
Occupation: Class 1 Contribution: Protection Contribution of RM 2,219.00
Age: 41 next birthday Contribution will be used to pay for the
Plan Type: Regular Contribution coverage of the basic plan and riders.
Investment- Linked Takaful Allocator Contribution (if any) forms part of
Deduction and the contribution in PUA and it is compulsory to
Charges: Tabarru' Deduction be paid to keep the certificate in force.
Wakalah Service Charge Frequency: Monthly
Asset Management Wakalah Charge
Fund Switching Wakalah Charge
Single Contribution Top Up Wakalah Charge
Partial Withdrawal Wakalah Charge
(See below for the description of
the Tabarru' Deduction and charges)
Ratio Funds chosen:
Takafulink Dana Urus 0%
Takafulink Dana Bon 0%
Takafulink Dana Ekuiti 50%
Takafulink Dana Ekuiti Dinasti 50%
Takafulink Dana Dinamik 0%
Takafulink Dana Ekuiti Global 0%
Takafulink Dana Aktif 0%

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

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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IMPORTANT:
You should read this illustration together with the Fund Profile and/or Fund Fact Sheet of the investment fund(s) which you have chosen. The
Fund Profile and/or Fund Fact Sheet contains all the important information that you will need to know regarding the investment fund(s).
Please visit www.prubsn.com.my for the most recent Fund Profile and/or Fund Fact Sheet.
Since only 70% and 73% of the Protection Contribution for the first two certificate years respectively is used to purchase units, while 95% of Allocator
Contribution (if any) and top-up are used to purchase units, you can maximise your investment value by maximising your top-ups.
Minimum Annual Protection Contribution and Allocator Contribution (if any) Required: Adult - RM 1,200 / Juvenile - RM 600
Minimum Top-Ups allowed : RM 50
Therefore, if your certificate involves a contribution of sizeable amount, say RM5,000 and above, you should consider participating in a single
contribution investment-linked certificate (rather than a regular contribution certificate) as single contribution plans offer better allocation rates for
investment.
Your investment-linked certificate will lapse/terminate if there is not enough units in your fund to pay the Tabarru' deduction and charges when
No-Lapse Provision has expired or is revoked. Your units may not be enough over the years due to:
High Tabarru' deductions if you attached many riders, and especially if the Tabarru' deductions are increasing over time as you get older;
Poor investment returns;
Unpaid contribution - i.e. if you stop paying contributions for a long period of time;
Partial withdrawal.
The choice of funds selected should be based on, among others, your tolerance to risk. Please seek advice from your agent or PruBSN on your
tolerance to risk.

WARNING
TABARRU' DEDUCTIONS WILL INCREASE AS THE COVERED PERSON GETS OLDER. IN THE LATER YEARS, IT IS POSSIBLE
THAT THE ACCUMULATED FUND VALUE IS NOT ENOUGH TO PAY FOR TABARRU' DEDUCTIONS DUE TO POOR
INVESTMENT RETURNS, WHICH WILL RESULT IN YOUR CERTIFICATE BEING LAPSED. YOU MAY NEED TO INCREASE
YOUR CONTRIBUTION OR REDUCE THE LEVEL OF TAKAFUL PROTECTION, IF YOU WANT TO MAINTAIN YOUR
CERTIFICATE.

*You should ask the agent/financial adviser to explain to you about the tabarru' deduction and charges and its effect on your future takaful coverage.

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 not based on the 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 invests in.
The actual returns may even be below the projected rates or negative.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Summary Illustration
Non-Guaranteed Return (RM)
Projected Investment Return: Projected Investment Return:
Basic Total Unallocated Direct
End of Ihsan (X% p.a.) (Y% p.a.)
Sum Contribution Allocated Wakalah Service
Certificate
Covered Paid
Contribution Contribution1 Contribution (RM) Charges (RM) Asset Asset Distribution
Year (RM) (RM) 2
(RM) (RM) Tabarru' Management Cash Death Tabarru' Management Cash Death Cost (RM)
Deduction Wakalah Value Benefit Deduction Wakalah Value Benefit
Charge Charge
1 1,000,000 26,628 0 7,988 18,640 84 1,463 139 17,124 1,000,000 1,463 142 17,714 1,000,000 2,863
2 1,000,000 26,628 0 7,190 19,438 84 1,421 403 35,149 1,000,000 1,420 423 37,501 1,000,000 2,863
3 1,000,000 26,628 0 4,660 21,968 84 1,369 695 55,821 1,000,000 1,368 750 61,306 1,000,000 1,864
4 1,000,000 26,628 0 3,462 23,166 84 1,336 1,015 77,797 1,000,000 1,332 1,128 88,004 1,000,000 1,864
5 1,000,000 26,628 0 1,198 25,430 84 1,362 1,364 102,090 1,000,000 1,354 1,559 118,835 1,000,000 1,198
6 1,000,000 0 0 0 0 84 1,379 1,522 100,971 1,000,000 1,363 1,825 125,393 1,000,000 0
7 1,000,000 0 0 0 0 84 1,552 1,504 99,675 1,000,000 1,524 1,925 132,228 1,000,000 0
8 1,000,000 0 0 0 0 84 1,671 1,483 98,256 1,000,000 1,629 2,030 139,417 1,000,000 0
9 1,000,000 0 0 0 0 84 1,871 1,460 96,631 1,000,000 1,810 2,140 146,907 1,000,000 0
10 1,000,000 0 0 0 0 84 2,119 1,434 94,753 1,000,000 2,030 2,254 154,676 1,000,000 0
11 1,000,000 0 0 0 0 84 2,385 1,403 92,602 1,000,000 2,262 2,372 162,732 1,000,000 0
12 1,000,000 0 0 0 0 84 2,672 1,369 90,156 1,000,000 2,505 2,494 171,081 1,000,000 0
13 1,000,000 0 0 0 0 84 3,016 1,329 87,357 1,000,000 2,793 2,621 179,699 1,000,000 0
14 1,000,000 0 0 0 0 84 3,216 1,286 84,348 1,000,000 2,942 2,753 188,746 1,000,000 0
15 1,000,000 0 0 0 0 84 3,611 1,237 80,933 1,000,000 3,256 2,890 198,082 1,000,000 0
16 1,000,000 0 0 0 0 84 3,825 1,184 77,292 1,000,000 3,401 3,034 207,899 1,000,000 0
17 1,000,000 0 0 0 0 84 4,293 1,126 73,170 1,000,000 3,754 3,182 218,017 1,000,000 0
18 1,000,000 0 0 0 0 84 4,523 1,062 68,803 1,000,000 3,893 3,338 228,677 1,000,000 0
19 1,000,000 0 0 0 0 84 5,057 992 63,886 1,000,000 4,271 3,499 239,668 1,000,000 0
20 1,000,000 0 0 0 0 84 5,675 913 58,334 1,000,000 4,696 3,666 250,964 1,000,000 0
21 1,000,000 0 0 0 0 84 6,502 823 51,934 1,000,000 5,281 3,789 255,571 1,000,000 0
22 1,000,000 0 0 0 0 84 7,288 720 44,726 1,000,000 5,835 3,855 259,799 1,000,000 0
23 1,000,000 0 0 0 0 84 8,158 605 36,621 1,000,000 6,436 3,915 263,581 1,000,000 0
24 1,000,000 0 0 0 0 84 9,146 475 27,498 1,000,000 7,109 3,967 266,828 1,000,000 0
25 1,000,000 0 0 0 0 84 10,239 329 17,249 1,000,000 7,840 4,010 269,459 1,000,000 0
26 1,000,000 0 0 0 0 84 10,874 170 6,330 1,000,000 8,388 4,046 271,635 1,000,000 0
27 1,000,000 0 0 0 0 84 - - - - 9,328 4,072 272,939 1,000,000 0
28 1,000,000 0 0 0 0 84 - - - - 9,760 4,088 273,854 1,000,000 0
29 1,000,000 0 0 0 0 84 - - - - 10,225 4,098 274,331 1,000,000 0
1 This represents a charge to your contribution and is used to meet the direct distribution cost and PruBSN's expenses.
2 Cost directly attributed to the distribution channel for the marketing of this certificate, i.e. payments to agent/ financial adviser. This cost is paid from the charges that are imposed on your certificate for services that
the agent/financial adviser will provide to you for the duration of your certificate.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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PruBSN WarisanPlus Breakdown of Tabarru' Deductions
Projected Projected
Investment Investment
Return: Return: Contributor
End of (X% p.a.) (Y% p.a.) Protect
Certificate Tabarru'
Year Basic Basic Deduction
Tabarru' Tabarru' (RM)
Deduction Deduction
(RM) (RM)
1 1,117 1,117 345
2 1,109 1,108 312
3 1,100 1,098 269
4 1,137 1,133 199
5 1,253 1,244 109
6 1,379 1,363 0
7 1,552 1,524 0
8 1,671 1,629 0
9 1,871 1,810 0
10 2,119 2,030 0
11 2,385 2,262 0
12 2,672 2,505 0
13 3,016 2,793 0
14 3,216 2,942 0
15 3,611 3,256 0
16 3,825 3,401 0
17 4,293 3,754 0
18 4,523 3,893 0
19 5,057 4,271 0
20 5,675 4,696 0
21 6,502 5,281 0
22 7,288 5,835 0
23 8,158 6,436 0
24 9,146 7,109 0
25 10,239 7,840 0
26 10,874 8,388 0
27 - 9,328 0
28 - 9,760 0
29 - 10,225 0

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Projected Investment Rate of Return

The returns of X% and Y% have been used respectively to represent the range of possible returns on the following funds:

Projected Investment Rate of Return

Investment Funds X% Y%
All Years First 20 years After 20 years
Takafulink Dana Urus 3.0% 8.0% 5.5%
Takafulink Dana Bon 4.0% 7.0% 5.0%
Takafulink Dana Ekuiti 2.0% 9.0% 6.0%
Takafulink Dana Ekuiti Dinasti 2.0% 9.0% 6.0%
Takafulink Dana Dinamik 3.0% 8.0% 5.5%
Takafulink Dana Ekuiti Global 3.0% 8.0% 5.5%
Takafulink Dana Aktif 3.0% 8.0% 5.5%

Please refer to the Fund Profile and/or Fund Fact Sheet for the past actual annual investment returns.

NOTES:

PruBSN believes it is important that you fully appreciate all the benefits under your certificate, and that you also understand how the Tabarru',
distribution, administration, investment and other costs affect these benefits.
You should satisfy yourself that the plan serves your needs and that you can afford the contribution. If you need clarification, please contact us or
your agent.
Participating in a regular contribution family certificate is a long-term commitment. It is not advisable to hold this certificate for a short period of
time in view of the high initial costs.
The information set out below explains the individual items in the Summary Illustration table.
PruBSN WarisanPlus is a Shariah-compliant product. Please refer to the certificate document for more details on the product.

Total Contribution Paid

This is the amount that you (the participant) pay for this certificate for the particular certificate year. The Total Contribution amount consists of
Protection contribution, Allocator contribution (if any), Investment contribution (if any) and Ihsan contribution (if any).
Take note that not all of the amount paid will be invested into the investment fund(s) you selected. See explanation on unallocated and allocated
contribution below.
Please note that contributions are not guaranteed and may be revised by PruBSN from time to time by giving 90 days written notice to the
participants. However, for critical illness benefit (if attachable), 30 days written notice will be given to the participants.

Ihsan Contribution

Ihsan is a regular contribution rider solely for donation based on Sadaqah concept. Sadaqah comes from the word sidq (sincerity) and it denotes a
voluntary charity. 100% of Ihsan contribution will be used for PruBSN Microtakaful Jariyah. PruBSN Microtakaful Jariyah provides takaful
coverage to deserving hardcore poor and poor families.
It does not provide any protection cover to you.

Unallocated Contribution

The unallocated contribution charge is an upfront wakalah charge on the contribution paid and is used to meet PruBSN's expenses and direct
distribution cost, including commissions payable to the agent/financial adviser.
The agent/financial adviser may also be entitled to production and persistency bonus during the first three years of the certificate provided that the
agent/financial adviser meets the qualifying criteria set by the PruBSN.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Allocated Contribution

This is the amount that will be used to purchase units in the investment fund(s) which you selected.
The allocated contribution and rates for this investment-linked certificate are as follows (as RM and % of contribution):-

Certificate Year 1 2 3 4 5
Protection Contribution (RM) 26,628.00 26,628.00 26,628.00 26,628.00 26,628.00
% 70.00 73.00 82.50 87.00 95.50
Allocated Contribution
RM 18,640.00 19,438.00 21,968.00 23,166.00 25,430.00
Allocator Contribution 0.00 0.00 0.00 0.00 0.00
% 0.00 0.00 0.00 0.00 0.00
Allocated Contribution
RM 0.00 0.00 0.00 0.00 0.00
Investment Contribution (RM) 0.00 0.00 0.00 0.00 0.00
% 0.00 0.00 0.00 0.00 0.00
Allocated Contribution
RM 0.00 0.00 0.00 0.00 0.00

Basic Sum Covered

This is the minimum amount to be received on death. This benefit is only applicable as long as the certificate is in force.
Basic Sum Covered is guaranteed as in the event of deficiency in Tabarru' Fund, PruBSN shall rectify the Sum at Risk deficit through an interest
free loan (Qard).

Deduction and Charges

These deduction and charges are taken out of your investment fund(s).
The illustrated Tabarru' deduction and other charges are based on current levels. The Tabarru' deduction and other charges are not guaranteed and
may be varied from time to time by giving 3 months notice to participant (except for critical illness benefit where 30 days notice will be provided).
Tabarru' are deducted monthly from the value of units in PUA of the certificate for your takaful coverage. The Tabarru deduction for takaful
coverage varies by the attained age, sex, occupation, medical rating and smoking status of the Covered Person. The Tabarru' deduction will
increase as the Covered Person grow older.
Wakalah Service Charge is RM 7.00 per month.
Asset Management Wakalah Charge:This refers to the annual management fee (% of investment fund) deducted to cover the cost of managing
the investment fund(s). It will be deducted on a daily basis based on your account value as follows:
Takafulink Dana Bon 0.50% per annum of the fund assets
Takafulink Dana Urus 1.30% per annum of the fund assets
Takafulink Dana Ekuiti 1.50% per annum of the fund assets
Takafulink Dana Ekuiti Dinasti 1.50% per annum of the fund assets
Takafulink Dana Dinamik 1.25% per annum of the fund assets
Takafulink Dana Ekuiti Global 1.50% per annum of the fund assets
Takafulink Dana Aktif 1.50% per annum of the fund assets
In addition to the abovementioned fees and charges, please refer to Appendix for Other Certificate Benefits and Options for the description of
transaction fees including Fund Switching Wakalah Charge, Single Contribution Top-up Wakalah Charge and Partial Withdrawal Wakalah Charge.

Note:We may change the Tabarru' deduction and charges above at certificate anniversary by giving 3 months notice to you (except for critical illness
benefit where 30 days notice will be provided). We may change the Asset Management Wakalah Charge from time to time.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Cash Value

This is the projected investment values at the end of the certificate year that you may receive if you surrender the certificate and is net of tax and all
applicable charges.
If the certificate is terminated early, you may get less than the amount of contributions paid.

Death Benefit

This is the amount that will be payable on the Covered Person's death.
If death was due to suicide within one year from the date of certificate or the date of certificate revival, whichever is later, death benefits payable
shall be the total investment value of the certificate at the valuation date after the date of notification.

Supplementary Benefits

For the breakdown of the benefit of basic plan and riders, please refer to the following appendices for details:
Appendix: Death & Total and Permanent Disability Benefit
Appendix: Accidental Death Benefit
Appendix: Infectious Disease Benefit
Appendix: Khairat Benefit
Appendix: Critical Illness and Contributors Benefit
Appendix: Other Certificate Benefits and Options

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Appendix: Projection by Accounts

Protection Unit Account, PUA Investment Unit Account, IUA
Projected Projected
Projected Investment Projected Investment Direct
Investment Investment
End of Return (X%) Return (Y%) Distri-
Return (X%) Return (Y%)
Certificate Unallocated Allocated Unallocated Allocated bution
Year Contribution Contribution Asset Asset Contribution Contribution Asset Asset Cost
Managem- Cash Managem- Cash Managem- Cash Managem- Cash (RM)
ent Wakalah Value ent Wakalah Value ent Wakalah Value ent Wakalah Value
Charge Charge Charge Charge
1 7,988 18,640 139 17,124 142 17,714 0 0 0 0 0 0 2,863
2 7,190 19,438 403 35,149 423 37,501 0 0 0 0 0 0 2,863
3 4,660 21,968 695 55,821 750 61,306 0 0 0 0 0 0 1,864
4 3,462 23,166 1,015 77,797 1,128 88,004 0 0 0 0 0 0 1,864
5 1,198 25,430 1,364 102,090 1,559 118,835 0 0 0 0 0 0 1,198
6 0 0 1,522 100,971 1,825 125,393 0 0 0 0 0 0 0
7 0 0 1,504 99,675 1,925 132,228 0 0 0 0 0 0 0
8 0 0 1,483 98,256 2,030 139,417 0 0 0 0 0 0 0
9 0 0 1,460 96,631 2,140 146,907 0 0 0 0 0 0 0
10 0 0 1,434 94,753 2,254 154,676 0 0 0 0 0 0 0
11 0 0 1,403 92,602 2,372 162,732 0 0 0 0 0 0 0
12 0 0 1,369 90,156 2,494 171,081 0 0 0 0 0 0 0
13 0 0 1,329 87,357 2,621 179,699 0 0 0 0 0 0 0
14 0 0 1,286 84,348 2,753 188,746 0 0 0 0 0 0 0
15 0 0 1,237 80,933 2,890 198,082 0 0 0 0 0 0 0
16 0 0 1,184 77,292 3,034 207,899 0 0 0 0 0 0 0
17 0 0 1,126 73,170 3,182 218,017 0 0 0 0 0 0 0
18 0 0 1,062 68,803 3,338 228,677 0 0 0 0 0 0 0
19 0 0 992 63,886 3,499 239,668 0 0 0 0 0 0 0
20 0 0 913 58,334 3,666 250,964 0 0 0 0 0 0 0
21 0 0 823 51,934 3,789 255,571 0 0 0 0 0 0 0
22 0 0 720 44,726 3,855 259,799 0 0 0 0 0 0 0
23 0 0 605 36,621 3,915 263,581 0 0 0 0 0 0 0
24 0 0 475 27,498 3,967 266,828 0 0 0 0 0 0 0
25 0 0 329 17,249 4,010 269,459 0 0 0 0 0 0 0
26 0 0 170 6,330 4,046 271,635 0 0 0 0 0 0 0
27 0 0 - - 4,072 272,939 0 0 - - 0 0 0
28 0 0 - - 4,088 273,854 0 0 - - 0 0 0
29 0 0 - - 4,098 274,331 0 0 - - 0 0 0

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Where applicable, the numbers illustrated in this Appendix are rounded to the nearest Ringgit/percent.
The value of units in PUA is the value of all past allocated Protection Contribution and Allocator Contribution (if any) taking into account of the assumed projection return less any charges.
Under Projected Investment Return X%, the certificate is projected to lapse during certificate year 27. Charges illustrated are based on the projected number of in-force months in the particular year. You may
consider topping-up your contributions to improve the sustainability of your certificate.
Under Projected Investment Return Y%, the certificate is projected to lapse during certificate year 29. Charges illustrated are based on the projected number of in-force months in the particular year. You may
consider topping-up your contributions to improve the sustainability of your certificate.
The value of units in IUA is the value of all past allocated Takaful Saver or Takaful Saver Kid (if applicable) contribution, taking into account of the assumed projection return less any charges.
The Direct Distribution Cost is a cost directly attributed to the distribution channel for the marketing of this certificate, i.e. payments to agent/financial adviser. This cost is paid from the charges that are imposed on
your certificate for services that the agent/ financial adviser will provide to you for the duration of your certificate.
The Direct Distribution Cost illustrated above includes commission and bonuses payable to the agent/financial adviser. The agent/ financial adviser may be entitled to production, persistency, and other bonuses
during the first three years of the certificate provided that agent/financial adviser meets the qualifying criteria set by PruBSN.
Where "-" is shown in the above illustration, this indicates that the certificate has ceased to be in-force under the respective projected investment returns. You may consider topping-up your contributions to improve
sustainability of your certificate.
You will receive 50% of the distributable surplus (if any), inclusive of investment profit, arising from Tabarru' deduction and such amount will be credited into PUA. PruBSN will take 50% of the distributable
surplus (if any) as the incentive for managing the Tabarru' fund. The exact amount of distributable Surplus will be determined by PruBSN and subject to approval by both our Shariah Committee and Board of
Directors. However, for projection purposes, the surplus will not be illustrated.

Note: This table further illustrates the contributions, cash value and the Asset Management Wakalah Charge under respective accounts. This illustration assumes that you pay all your contributions up to date and you
do not perform any withdrawals from PUA and/or IUA. Cross subsidisation shall take effect after Certificate Year 3 when there's insufficient value in PUA.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Appendix: Death & Total and Permanent Disability Benefit

PruBSN WarisanPlus
Plan Description & Benefits
PruBSN WarisanPlus is a regular contribution investment-linked takaful plan. In the event of death of the Covered Person during the certificate term,
either the Basic Sum Covered or value of units in the PUA, whichever is higher, plus value of units in the IUA (if any) will be payable.
In the event of Covered Person's Total and Permanent Disability (TPD) before certificate anniversary of age 70 next birthday or expiry of the certificate,
whichever is earlier, TPD benefit equivalent to TPD Sum Covered is payable. It will reduce the basic sum covered by the sum covered paid.
At maturity, this certificate will pay the remaining value of units in PUA (if any) and IUA (if any).
Upon certificate termination due to surrender, the remaining value of units in PUA (if any) and IUA (if any) will be payable. All benefits will cease after
the termination.

Conditions:
Total and Permanent Disability
In the event of total and permanent disability before the certificate anniversary date of the of the Covered Person age 70 next birthday, one lump sum
payable under all certificates with us on any one life is up to RM1 million. Any excess will be paid on the anniversary of the disability subject to
proof of continued disability. Upon earlier death, the balance shall be payable.
Total and permanent disability shall means:
- while below the age of 16 years, suffers an accident, or illness or sickness and as a direct result of such accident or illness or sickness, the Covered
Person:
(a) requires constant care and attention; and
(b) is confined to his home under medical supervision or in a hospital or similar institution.
- while aged 16 years but below the age of 61 years, the Covered Person becomes permanently and completely unable to engage in any occupation
and is permanently and completely unable to perform any work for remuneration or profit.
- while aged 61 years but below the age of 70 years, the Covered Person receives confirmation by a Consultant Physician of the loss of independent
existence and resulting in a permanent inability to perform at least 3 of the following Activities of Daily Living either with or without the use of
mechanical equipment, special devices or other aids and adaptations in use for disabled persons.
Activities of Daily Living are:
(a) Transfer
(b) Dressing
(c) Mobility
(d) Bathing/Washing
(e) Eating
(f) Continence
- the following disabilities will also be regarded as satisfying the definition of total and permanent disability:
(a) totally and irrecoverably loses sight in both eyes; or
(b) totally and irrecoverably loses by severance one limb each at or above his wrist and ankle, or two limbs at or above his wrist or ankle; or
(c) totally and irrecoverably loses sight in one eye and totally and irrecoverably loses by severance one limb at or above the wrist or ankle.
In all cases, such disability must be permanent and must have lasted for a period of at least 6 consecutive months.
For the purpose of this benefit, the word "permanent" shall mean beyond the hope of recovery with current medical knowledge and technology.

Exclusions
Death
If it is a suicide of Covered Person within the first year from the effective date of the certificate or date of certificate revival, we shall pay the value of
units in the PUA (if any) and units in IUA (if any).
Total and Permanent Disability
No benefit is paid if the disability is directly or indirectly caused by
a) attempted suicide or self-inflicted injuries while sane or insane; or
b) committing or attempting to commit a criminal offence by the Covered Person; or
c) drugs or stimulators abuse, or their complications; or
d) war or aggressive acts, including invasions, acts of foreign countries, enemy's acts (whether with or without war declaration), civil wars,
insurrections, revolutions, riots, interference by military authorities or usurpation; or
e) engaging in professional sports, scuba diving, racing of any kind, aerial flights other than as a crew member of or as a fare-paying passenger on a
licensed passenger-carrying commercial aircraft operating on a regular scheduled route or any dangerous activities or sports (including bungee
jumping, hang-gliding, ballooning, parachuting and sky-diving), unless we agree in a special endorsement; or
f) any pre-existing conditions that were not disclosed to us in relation to the Covered Person's health status. This is applicable within 12 months from
the date the certificate becomes effective. Any pre-existing conditions that were not disclosed to us after the 12 months will be handled in
accordance with Schedule 9 of the Islamic Financial Services Act 2013; or
g) any congenital disorder, birth trauma and its residual complications, for a certificate or Annex approved while the Covered Person is still in the
womb.
Note: This list is non-exhaustive. Please refer to the certificate document for the full list of exclusions under this certificate.
Other Certificate Conditions
Non-guaranteed Tabarru': The Tabarru' rates for death and TPD is not guaranteed.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Appendix: Accidental Death Benefit

Plan Description & Benefits
On top of Death Benefit, Accidental Death Benefit pays:
a) an additional 100% of the Death Benefit (exclude value of units in IUA) if death is due to accident; or
b) an additional 200% of the Death Benefit (exclude value of units in IUA) if death is due to accident while commuting in public conveyance, elevator
car, burning of theatre, hotel or other public building; or
c) an additional 300% of the Death Benefit (exclude value of units in IUA) if death is due to accident occurring while Covered Person is residing or
travelling outside of Malaysia (except Singapore and Brunei) for not more than 90 consecutive days, or in Singapore or Brunei for any number of
days.
Note: This benefit shall not be payable if Basic Sum Covered is reduced to zero by accelerating benefit such as TPD benefit and/or Crisis Shield.
Exclusions

Accidental Death Benefit is not paid as a consequence of:

a) war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped
power, direct participation in riot, strike or civil commotion; or
b) breaking or trying to break any law or to resist arrest; or
c) attempted suicide or self-inflicted injuries while sane or insane; or
d) pregnancy, childbirth, miscarriage or any complications; or
e) pre-existing physical or mental defect or infirmity; or
f) alcoholic intoxication; or
g) engaging in or taking part in professional sports, scuba diving, racing of any kind, aerial flights (including bungee jumping, hang-gliding,
ballooning, parachuting and sky-diving) other than as a crew member of or as a fare-paying passenger on a licensed passenger- carrying
commercial aircraft operating on a regular scheduled route or any hazardous activities or sports, unless agreed to by special endorsement; or
h) narcotics or drugs unless taken as prescribed by a doctor.

Note: This list is non-exhaustive. Please refer to the certificate document for the full list of exclusions under this certificate.
Other Certificate Conditions
Change in Occupation, Avocation & Sports
You must inform us if there is any change of occupation, business or personal pursuits because it may affect the contributions, terms, conditions and
benefits of the product.
Non-guaranteed Tabarru'
We reserve the right to revise the Tabarru' rates for Accidental Death Benefit at certificate anniversary by giving 3 months written notice.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Appendix: Infectious Disease Benefit

Plan Description & Benefits
RM5,000 shall be payable for each diagnosis of infectious disease in Category A that happens prior to the certificate anniversary of the Covered Person
age 70 next birthday or expiry of certificate, whichever is earlier, subject to each infectious disease only being payable once during the certificate term.
RM10,000 shall be payable for each hospitalization of infectious disease in Category B that happens prior to the certificate anniversary of the Covered
Person age 70 next birthday or expiry of certificate, whichever is earlier, subject to each infectious disease only being payable once during the certificate
term.
Conditions:
Infectious Disease
The infectious disease listed below are covered under this benefit.
Category A Category B
1 Measles 1 Zika virus
2 Hand Foot Mouth Disease 2 MERS-CoV
3 Chikungunya Fever 3 Ebola
4 Typhoid Fever 4 SARS
5 Rabies Influenza A - Avian Influenza A(H7N9) &
5
A(H5N1)
6 Nipah Virus Encephalitis
7 Japanese Encephalitis
8 Creutzfeldt-Jakob Disease
9 Malaria

Note: This benefit shall not be payable if basic sum covered is reduced to zero by accelerating benefit such as TPD benefit and/or Crisis Shield.

Exclusions

Infectious Disease Benefit is not paid as a consequence of:

a) symptoms of any of the Infectious Diseases that is manifested prior to or within 90 days after the certificate has commenced or the date it is revived;
or
b) Infectious Diseases arises directly or indirectly from any Pre-Existing Conditions; or
c) the history of drug, substance or alcohol abuse; or
d) war (declared or undeclared) foreign invasion to another country, hostile acts against another country, terrorism, civil war, rebellion, revolution, riot,
civil unrest, military operation, or coup d'état; or
e) the presence of the Acquired Immune Deficiency Syndrome ("AIDS") / Human Immunodeficiency Virus ("HIV") infection.

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

Other Certificate Conditions

Waiting Period
Infectious Disease benefits under the certificate will only start 90 days after the effective date of the certificate.
Change in Occupation, Avocation & Sports
You must inform us if there is any change of occupation, business or personal pursuits because it may affect the contributions, terms, conditions and
benefits of the product.
Non-guaranteed Tabarru'
We reserve the right to revise the Tabarru' rates for Infectious Disease Benefit at certificate anniversary by giving 3 months written notice.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Appendix: Khairat Benefit

Plan Description & Benefits
RM3,000 shall be payable upon death of the Covered Person due to any causes prior to the expiry of certificate, subject to the terms and conditions
specified in the certificate document. The payment of Khairat Benefit is independent from any approval of death claim under the certificate.
Exclusions
Death
If it is a suicide of Covered Person within the first year from the effective date of the certificate or date of certificate revival, we shall pay the value of
units in the PUA (if any) and units in IUA (if any).

Note: This list is non-exhaustive. Please refer to the certificate document for the full list of exclusions under this certificate.
Other Certificate Conditions
Non-guaranteed Tabarru'
We reserve the right to revise the Tabarru' rates for Khairat Benefit at certificate anniversary by giving 3 months written notice.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Appendix: Critical Illness and Contributor Benefit

Contributor Protect
Plan Description & Benefits
Contributor Protect pays the Basic, Crisis Shield, Crisis Protector, Level Term Benefit and Hajj Protection contributions throughout the rider benefit term
upon Covered Person suffering from TPD before certificate anniversary of age 70 next birthday or diagnosis of a covered critical illness. Provided the
certificate is in force, this benefit will be payable until the end of the contribution payment term.

Conditions:
Critical Illnesses

A total of 43 illnesses are covered under the Critical Illness.

The illnesses listed below except for Angioplasty and Other Invasive Treatments for Coronary Artery Disease are covered under Contributor Benefit.
1) Stroke 11) Benign Brain Tumor 22) Loss Of Speech 32) Alzheimer's Disease
2) Heart Attack 12) Paralysis Of Limbs 23) Brain Surgery / Severe Dementia
3) Kidney Failure 13) Blindness 24) Heart Valve Surgery 33) Muscular Dystrophy
4) Cancer 14) Deafness 25) Terminal Illness 34) Surgery To Aorta
5) Coronary Artery By-Pass 15) Third Degree Burns 26) Loss Of Independent Existence 35) Multiple Sclerosis
Surgery 16) HIV Infection Due To 27) Bacterial Meningitis 36) Primary Pulmonary
6) Serious Coronary Blood Transfusion 28) Major Head Trauma Arterial Hypertension
Artery Disease 17) Occupationally Acquired 29) Chronic Aplastic Anemia 37) Medullary Cystic Disease
7) Angioplasty And Other Human Immunodeficiency 30) Motor Neuron Disease 38) Cardiomyopathy
Invasive Treatments Virus 31) Parkinson's Disease 39) Systemic Lupus
For Coronary Artery (HIV) Infection Erythematosus With
Disease 18) Full-Blown AIDS Severe Kidney
8) End-Stage Liver Failure 19) End-Stage Lung Disease Complications
9) Fulminant Viral Hepatitis 20) Encephalitis 40) Progressive Scleroderma
10) Coma 21) Major Organ / Bone 41) Chronic Relapsing
Marrow Transplant Pancreatitis
42) Poliomyelitis
43) Apallic Syndrome

For conditions for death & total and permanent disability, please refer to Appendix: Death & Total and Permanent Disability Benefit.
Exclusions

Critical Illness
Critical illness benefit is not paid for:
a) symptoms of illness that occur prior to or within 30 days after the rider has commenced or the date it is revived, except for Cancer, Heart Attack and
Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease and Angioplasty and Other Invasive Treatments for Coronary Artery Disease in
which a 60-day waiting period applies.
b) Illness that is directly or indirectly caused by the existence of AIDS or the presence of any HIV infection, except for ''HIV Infection Due To Blood
Transfusion'', ''Occupationally Acquired Human Immunodeficiency Virus (HIV) Infection'' and ''Full-Blown AIDS''.
c) Illness arising directly or indirectly from pre-existing illnesses.
d) Illness that is a congenital condition or is caused directly or indirectly from a congenital condition which happens, or which the Covered Person start
to get symptoms of, within the first 2 years from the date of birth of the Covered Person.
For exclusion of death & total and permanent disability, please refer to Appendix: Death & Total and Permanent Disability.

Note: This list is non-exhaustive. Please refer to the certificate document for the full list of exclusions under this certificate.
Other Certificate Conditions
i) Waiting Period
Critical illness benefits under the certificate will only start 60 days after the effective date of the rider for heart attack, coronary artery by-pass surgery,
serious coronary artery disease, angioplasty and other invasive treatments for coronary artery disease and cancer, and 30 days for all other covered
illnesses.
ii) Non-guaranteed Tabarru'
We reserve the right to revise the Tabarru' rates at certificate anniversary by giving 30 days written notice for Critical Illness Benefit and 90 days
written notice for Contributor Benefit.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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Appendix: Other Certificate Benefits and Options

Benefits

Maturity Benefit
At maturity, the total investment value of the certificate shall be payable. The value of the units will be based on the unit price at the next valuation date
following the maturity date.
Surrender Benefit
Upon certificate termination due to surrender, the total investment value of the certificate shall be payable. The value of the units will be based on the
unit price at the next valuation date following the notification of surrender. You will be able to withdraw the notification before the closing valuation
time. All benefits will cease after the termination.

Options

Non-payment of Contribution:
You may stop paying the contribution but the certificate may lapse, unless there are available units in the plan to pay Tabarru' deduction and other
charge. The Tabarru' and charges will be deducted from the accounts through cancellation of units. However, if you do not wish to continue with the
cancellation of units for rider's coverage, please provide us a written notice and the rider(s) attached in the certificate will be cancelled.
During non-payment of contribution, the certificate will no longer be guaranteed to be in force for the first 36 months of the certificate.
Lapse and Revival:
The certificate will lapse if there is insufficient value of units in the PUA and IUA (if any) to pay for Tabarru' deduction for the basic plan and riders. If
your certificate lapse, you may apply to revive it subject to the terms and conditions set by us as stated in the certificate documents.
Fund switching:
If you find that the fund you have chosen is no longer appropriate, you have the flexibility to switch fund at any time. Fund Switching Wakalah Charge
is set at 1% of the switched amount subject to a maximum of RM 50 per switch. Four free switches are allowed every certificate year. Fund Switching
Wakalah Charge will be waived until electronic transaction is available. Thereafter, manual request for additional switches will be subjected to the
charge mentioned above. Units can be switched between investment-linked funds at any time.
Contribution Re-direction:
You have the flexibility to revise the proportion of your regular contribution invested in different funds in multiple of 5% or revise your choice of
investment-linked fund for future allocated contribution.
Single Contribution Top-ups:
Top-ups can be made at any time. The minimum amount required for top-ups is RM50. Each single contribution top-up incurs a top-up wakalah charge
of RM 25. This charge will be waived until electronic transaction is available. Thereafter, manual request for top-up will be subjected to the charge
mentioned.
Partial Withdrawals:
Withdrawals can be made at any time in terms of number of units or fixed monetary amount through cancellation of units. Each partial withdrawal
incurs a Partial Withdrawal Wakalah Charge of RM 25. Partial Withdrawal Wakalah Charge will be waived until electronic transaction is available.
Thereafter, manual request for partial withdrawal will be subjected to the charge mentioned
Partial withdrawal is allowed for IUA. The minimum withdrawal amount is RM500 per transaction. Complete withdrawal is allowed but strongly
discouraged.
Partial withdrawal is allowed for PUA. Complete withdrawal from IUA must be made before withdrawal is allowed for PUA. The minimum withdrawal
amount is RM1,000 per transaction with remaining balance of RM5,000 after withdrawal. If you make a withdrawal from PUA, the certificate will no
longer be guaranteed to be in force for the first 36 months of the certificate.
Please note that partial withdrawal for PUA can only be performed 1 year after the certificate inception date and any partial withdrawal made from PUA
will REDUCE your Basic Sum Covered.
Option to Vary Sum Covered:
You may increase the sum covered with minimum RM10,000 per increment, subject to underwriting. You may also reduce your sum covered subject to
a minimum sum covered of RM10,000.
Option to Vary Takaful Saver, Takaful Saver Kid & Ihsan contribution:
You also may vary the contribution of Takaful Saver, Takaful Saver Kid and Ihsan (if any) subject to our requirement.
Extension of Certificate Term:
This product comes with an option to extend the term of the basic plan and rider(s) (if applicable) up to the certificate anniversary date of the Covered
Person's age 100 next birthday. During the extended period, all the terms and conditions of the certificate shall apply, and Tabarru' and other charges
will still continue to be deducted. Additional contribution will be required to ensure sufficient value of units. The certificate shall lapse once there is
insufficient value of units to deduct for Tabarru' and other charges.

Note:PruBSN reserves the right to review all the charges mentioned above from time to time if necessary by giving 3 months notice.

Presented by : AHMAD HARRIS FITRI BIN HASHIM NR200036

Date : 12/12/2019
Version : 1.3.30.5

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