Wakalah Fee Shall mean an upfront fee payable to HLM Takaful in return of the services rendered.

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PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in this Personal Accident Takaful-MATTA Haji. Be sure to also read the general terms and conditions.

1 PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in this Personal Accident Takaful-MATTA Haji. Be sure to also read the general terms and conditions.) HONG LEONG MSIG TAKAFUL BERHAD (HLM Takaful) PERSONAL ACCIDENT TAKAFUL- MATTA HAJI DATE: 01/01/ What is this product about? This certificate provides compensation in the event of accidental bodily injuries being sustained by a Participant during the Period of Takaful coverage, caused solely and directly by violent, accidental, external and visible events, which shall result in death or disablement while travelling. Please refer to the Master Certificate for full details. 2. What are the Shariah concepts applicable? Takaful is a concept of mutual guarantee which is in compliance with Shariah principles. Contributions collected from participants are pooled together to provide for the benefits in the event of losses suffered by any of its members or participants. Hong Leong MSIG Takaful Berhad (HLM Takaful) as a Takaful operator is entrusted to properly invest and manage this mutual fund. Iltizam Bi Al Tabarru Shall mean the commitment to make Tabarru. Tabarru Shall mean a certain portion of the contribution that the participant agrees to donate upon occurrence of events approved by Shariah Committee of HLM Takaful, thus enabling him to fulfil his obligation of mutual help and joint guarantee should any of his fellow participants suffer a defined loss where his donation is meant to help others and others donations are meant to help him. Wakalah Shall mean an arrangement appointing HLM Takaful to manage the overall services provided under the Certificate. HLM Takaful will take a portion of the contribution as Wakalah Fee in return of the services rendered. Wakalah Fee Shall mean an upfront fee payable to HLM Takaful in return of the services rendered. Ju alah Shall mean a contract in which the Participant agrees to reward HLM Takaful for its achievement or good performance in managing the Risk Fund. Risk Fund Shall mean a pool of funds for the purposes of mutual assistance, solidarity, brotherhood and for the mutual benefits of all Participants. 100% of gross contribution paid by the Participant, net of Wakalah Fee shall be allocated to the relevant Risk Fund under Iltizam Bi Al Tabarru' Page 1 of 6

2 concept. Within the Risk Fund, the Participant s tabarru' shall be deemed to have occurred upon any claim payment made in respect of fellow participants and incurrence of reserves, Retakaful cost as well as other costs as approved by the Shariah Committee of HLM Takaful with the remaining balance to be managed according to the terms and conditions of this Certificate. Note: Distribution of Surplus Any surplus exceeding reserves from Risk Fund may be distributed to HLM Takaful and Participants with ratio of 50: What are the covers / benefits provided? The relevant benefits for both Overseas Trips and Domestic Trips are listed in the Table of Benefits and are subject to the relevant terms and conditions described hereunder. This certificate covers; SCHEDULE OF BENEFITS Section Benefits Individual Plan (RM) Individual and Spouse, Individual and Children and Plan (RM) 1. Personal Accident (a) Accidental Death 20, , Adult (b) Permanent Disablement 20, , Adult 5, Child 2. Funeral Expenses 1, , Medical Expenses/Person 1, , Adult Child Children) 4. Emergency Medical Evacuation Trip Covered up to RM500, Repatriation of Mortal Remains/Person Covered up to RM2, Compassionate Visitation Benefit Covered up to 7. Badal Haji (for Umrah Package) Person RM2, for Adult Only 8. Reimbursement of Deposits or Full Payment of Air Tickets or Tour Packages due to liquidation of agency (within 3 months from date of purchased) Up RM5, whichever is lower 9. Loss of Travel Documents/Trip in aggregate Page 2 of 6

3 Note: You must be between the ages of eighteen (18) and seventy five (75) years on the Commencement Date for Individual: Adult and (0) month till eighteen (17) years old for accompanied ren under Plan. 4. How much contribution do I have to pay? The total contribution that you have to pay depends on the plan which you have selected as Medical Expenses / Person RM1,000 Adult - RM1,000 RM ren) RM90.00 / Rate RM RM8.00 / Additional Children (Unlimited) indicated above. <1-15 days days >23 days RM1,000 Adult - RM1,000 RM ren) RM Additional Children (Unlimited) Medical Expenses / Person RM5,000 Adult - RM5,000 ren) Rate RM RM / RM RM10.00 / Additional Children (Unlimited) Medical Expenses / Person RM10,000 Adult - RM10,000 RM2, ren) Rate RM RM / RM RM15.00 / RM / RM12.00 / RM5,000 Adult - RM5,000 ren) RM / RM15.00 / RM10,000 Adult - RM10,000 RM2, ren) 5. What are the fees and charges that I have to pay? RM / RM20.00 / RM1,000 Adult - RM1,000 RM ren) RM RM / RM14.50 / RM5,000 Adult - RM5,000 ren) RM RM / RM18.00 / RM10,000 Adult - RM10,000 RM2, ren) RM RM / RM25 / Type Stamp Duty Amount RM10.00 Page 3 of 6

4 What is included in the contribution? Type Commissions paid to the intermediaries (if any) Amount Maximum up to 25% 6. What are some of the key terms and conditions that I should be aware of? Importance of disclosure Statement Pursuant to Schedule 9 of the Islamic Financial Services Act 2013 You are required by Law to tell us all facts that you know or are expected to know about the risk that we are accepting from you. These facts can influence our decision whether to accept your application for insurance or what terms we imposed on you. You must tell us immediately if at any time any of the information on which this Takaful coverage is based is incorrect, inaccurate or changes. You must take reasonable care to provide us with all the answers and not to make misrepresentation. If you mispresented any facts to us before the certificate was entered into, we may:- - Declare your certificate void from inception (which means treating it as invalid), we may not make any return of contribution and also recover any unpaid contribution; - Cancel this certificate and return any contribution less our cancellation charge or recover any unpaid contribution; - Recover any shortfall in contribution; - Not pay any claim that has been or will be made under the certificate; - Be entitled to recover from you the total amount of any claim already paid under the certificate or any claim we have to pay under any relevant legislation, plus any recovery Free-look period You may cancel Your Coverage simply by notifying us within fifteen (15) days after you receive Your Coverage. However, there is no refund of contribution upon cancellation of Your Coverage. 7. Procedure for making a claim On the happening of any occurrence which will likely give rise to a claim under the Master Certificate, You or Your legal representative must give us written notice as soon as possible and, in any event, within 15 days after the date of occurrence. 8. What are the major exclusions under this certificate? This certificate does not cover; Self-inflicted injury and suicide Driving while intoxicated Page 4 of 6

5 Professional/motor sports War (whether declared or not), invasion, civil war, riot, civil commotion Engaging in aviation other than as a fare-paying Illness and diseases Venereal disease, congenital conditions Pregnancy, birth, miscarriage or abortion Acupuncture treatment Carrying out high risk and hazardous occupations or trade Note: This list is non-exhaustive. Please refer to the Master Certificate for the full list of exclusions. 9. Can I cancel my certificate? You can cancel Your Coverage by giving us a written notice at least one month s prior notice. However, there is no refund of Contribution upon cancellation of Your Coverage. 10. What do I need to do if there are changes to contact / personal details/ trip? It is important that you inform us of any changes in your contact or details of your which would affect the acceptance of the risk. 11. Where can I get further information? Should you require additional information about personal accident Takaful, please refer to the insurance info booklet on Personal Accident Insurance, available at all our branches or you can obtain a copy from the Takaful agent or visit If you have any enquiries, please contact us at Hong Leong MSIG Takaful Berhad ( M) Level 5 Tower B, PJ City Development, No 15A, Jalan 219, Seksyen 51A Petaling Jaya ReachUs@takaful.hongleong.com.my 12. Other types of Personal Accident cover available Please refer to our website Page 5 of 6

6 IMPORTANT NOTE: YOU ARE ADVISED TO NOTE THE SCALE OF BENEFITS FOR DEATH AND DISABLEMENT IN YOU TAKAFUL CERTIFICATE. YOU MUST NOMINATE A NOMINIEE AND ENSURE THAT YOUR NOMINEE IS AWARE OF THE PERSONAL ACCIDENT TAKAFUL CERTIFICATE THAT YOU HAVE PARTICIPATED. YOU SHOULD READ AND UNDERSTAND THE TAKAFUL CERTIFICATE AND DISCUSS WITH THE AGENT OR CONTACT THE TAKAFUL OPERATOR DIRECTLY FOR MORE INFORMATION. The information provided in this disclosure sheet is valid as at 01/01/2015 Page 6 of 6

PRODUCT DISCLOSURE SHEET

PRODUCT DISCLOSURE SHEET (Read this Product Disclosure Sheet before you decide to participate in the IKHLAS Kembara Hajj and Umrah Takaful. Be sure to also read the general terms and conditions of this