E-TERM TAKAFUL COVER FAMILY TAKAFUL CERTIFICATE SIJIL TAKAFUL KELUARGA. Certificate Serial No. / No. Siri Sijil: FLAH019

Transcription

1 HSBC Amanah Takaful (Malaysia) Berhad (Company No M) E-TERM TAKAFUL COVER FAMILY TAKAFUL CERTIFICATE SIJIL TAKAFUL KELUARGA Certificate Serial No. / No. Siri Sijil: FLAH019 Please read this Certificate carefully. Sila baca Sijil ini dengan teliti. PUBLIC DISCLAIMER: This Takaful Certificate is for general information only and is not binding. Please read the Product Disclosure Sheet, Product Illustration and the complete Takaful Certificate of the Takaful Plan for applicable benefits, features and terms and conditions.

2 FAMILY TAKAFUL CERTIFICATE This Family Takaful plan managed by HSBC Amanah Takaful (Malaysia) Berhad provides you with protection benefit. Takaful is a mutual assistance scheme based on the spirit of brotherhood and solidarity where participants like you agree to assist each other financially in case of certain defined needs. With this intention in mind, a portion of your contribution will be credited into the Family Risk Fund on the basis of Tabarru (donation). This Family Takaful plan is managed in accordance with the Shariah principles guided by our Shariah Committee. In consideration of your participation and contribution, we hereby contract with you on the terms and conditions stated in this Certificate. Any variations or changes to the terms of this Certificate shall only be effective upon our endorsement. The relationship between all participants and HSBC Amanah Takaful (Malaysia) Berhad is based on Wakalah and is governed by this Certificate. This Certificate describes the provisions of this plan in full. Please read this Certificate carefully to ensure that it meets your requirements. PUBLIC Page 2 of 34 ETT082018

3 Family Takaful Certificate / Sijil Takaful Keluarga Contents / Kandungan Page / Muka surat FAMILY TAKAFUL CERTIFICATE...2 Part 1 Certificate Information Statement...4 Part 2 General Provisions...6 Part 3 Family Risk Fund...14 Part 4 Death Benefit...16 Part 5 Contributions and Fees...17 Bahagian 1 Penyataan Maklumat Sijil...19 Bahagian 2 Peruntukan Am...22 Bahagian 3 Dana Risiko Keluarga...31 Bahagian 4 Manfaat Kematian...33 Bahagian 5 Sumbangan dan Fi-fi...34 PUBLIC Page 3 of 34 ETT082018

4 Part 1 Certificate Information Statement 1. You may pay your contribution to us: 1.1 at our Head Office located on 8th Floor, North Tower, No. 2 Leboh Ampang, Kuala Lumpur; 1.2 at any branch of HSBC Bank Malaysia Berhad or HSBC Amanah Malaysia Berhad (collectively HSBC Bank ); or 1.3 by credit card or auto debit - arrangement for this can be made at any HSBC Bank branch. 2. You may nominate a person to receive the benefits payable upon your death under this Certificate either as an executor or a beneficiary. We have prepared standard forms for this purpose but we urge you to ensure that the contents of our standard forms are suitable for your needs and the nominee is aware of your participation in this Certificate. 3. You may notify us in writing to cancel your Certificate within Fifteen (15) days from the date of delivery of this Takaful Schedule and Certificate to the address provided to us in the proposal form ( free-look/cooling-off period ). In such an event and after the refund of your contribution by us, we will cancel this Certificate and our liability in respect of your Coverage under this Certificate shall cease. 4. You may notify us in writing to surrender this Certificate after the free-look/cooling-off period. Kindly note however that doing so would mean losing the benefits under this Certificate and no surrender value is payable. 5. You have to inform us and provide us with the relevant documents immediately to ensure our services to you are not interrupted: 5.1 if there is any change in your address, contact number or other personal details; or 5.2 if you want to change the person whom you have nominated to receive the benefits payable upon your death under this Certificate. 6. In the event of a claim or prior to any payment of the benefits under this Certificate: 6.1 Satisfactory proof of the age of the Covered Person, where applicable, is required if such age was not admitted or the relevant documents of proof have not been submitted to us before; 6.2 The claim and all documents and information required by us must be furnished to us in writing or in such form or nature as we may require (at no expense to us), within Ninety (90) days of the event giving rise to the claim; and 6.3 No action in law or in equity may be brought in respect of a claim pursuant to this Certificate before the expiration of Sixty (60) days after fully adhering to the conditions precedent prescribed above. 7. If you wish to seek any further information, update the Covered Person s or your personal details, enquire, provide feedback regarding or dispute our decisions made under this Certificate, we can be reached at: PUBLIC Page 4 of 34 ETT082018

5 HSBC Amanah Takaful (Malaysia) Berhad Contact Centre P.O. Box 13343, Kuala Lumpur Tel: Fax: BNMLINK, BNMTELELINK and the Ombudsman for Financial Services are set up to offer consumer protection for participants to resolve disputes over claims settlement between the Takaful Operator and participants. Should there be any dispute over claims settlement arising from this Certificate, you may wish to contact or write to the following parties: 8.1 BNMLINK provides face-to-face customer service to walk-in visitors on general enquiries and public complaints. BNMLINK is located at Bank Negara Malaysia s regional offices and the main office is: BNMLINK Bank Negara Malaysia Block D, Jalan Dato Onn Kuala Lumpur 8.2 Alternatively, you may contact BNMTELELINK by telephone, fax, letter or with contact details as follows: Contact Centre (BNMTELELINK) Laman Informasi Nasihat dan Khidmat (LINK) Bank Negara Malaysia P.O. Box Kuala Lumpur Tel: (LINK) Fax: bnmtelelink@bnm.gov.my BNMLINK and BNMTELELINK operating hours are from: Monday Friday, 9.00 a.m p.m. 8.3 Ombudsman for Financial Services (664393P) (Formerly known as Financial Mediation Bureau) Level 14, Main Block Menara Takaful Malaysia No. 4, Jalan Sultan Sulaiman Kuala Lumpur Tel: Fax: enquiry@ofs.org.my Website: PUBLIC Page 5 of 34 ETT082018

6 Part 2 General Provisions 1. Meanings and Definitions 1.1 In this Certificate, unless there is something in the subject or context inconsistent therewith: Attained Age means your current age based on your last birthday during the Certificate Year. Certificate means this Family Takaful Certificate, the proposal form, the Takaful Schedule and all endorsements. Certificate Anniversary means each anniversary of the Commencement Date. Certificate Year means the yearly period between the Certificate Anniversary dates. The first Certificate Year commences from the Commencement Date. Commencement Date means the Commencement Date as stated in the Takaful Schedule and is the date on which the Coverage under this Certificate commences. Connected Person means a person or entity other than yourself whose information (including personal data or tax information) is either provided by you, or on your behalf, in connection with any Takaful Certificate. Examples of Connected Person include any person identified as a beneficiary under a Takaful Certificate or a trustee of a trust holding a Takaful Certificate. Contribution Due Date means the date when payment of contribution is due according to the frequency of payment stated in the Takaful Schedule. The first Contribution Due Date is the Commencement Date. Contribution Year means the One (1) full year of regular contributions. A Contribution Year shall only be counted as One (1) Contribution Year upon payment of each One (1) full year of regular contributions. Coverage means type of Coverage as stated in the Takaful Schedule. Covered Person means the person named in the Takaful Schedule as the Covered Person for whom the relevant Takaful protection is provided under this Certificate. Death Benefit means the benefit payable under Part 4 of this Certificate. Expiry Date means the Expiry Date under this Certificate as stated in the Takaful Schedule. Family Risk Fund means the Family Risk Fund under Clause 1, Part 3 of this Certificate. HSBC Group means HSBC Holdings plc, its affiliates, subsidiaries, associated entities and any of their branches and offices (together or individually). PUBLIC Page 6 of 34 ETT082018

7 Issue Date means the date of the issuance of this Certificate as stated in the Takaful Schedule. Participant, you or your means the person named in the Takaful Schedule as the Participant who participates in the Takaful plan under this Certificate, an assignee or any individual entitled to the Certificate or any benefit thereunder. Only the Participant can exercise all rights, privileges and options provided under this Certificate. Registered Medical Practitioner means a person duly qualified to practise western medicine and who is registered with the appropriate authority in Malaysia to practise medicine within the scope allowed by such authority and by his training, but excludes you, your spouse and your near relative. Shariah means Islamic law. Interpretations and decisions by the Shariah Committee shall be binding on all parties to this Certificate. Shariah Committee means the committee constituted by us to advise on the operation of our Takaful business in order to ensure compliance with the Shariah. Sum Covered means the amount of sum covered stated in the Takaful Schedule for each Coverage as may be revised from time to time. Tabarru means donation, gift or contribution. In this Certificate, Tabarru means donation for the purpose of Takaful. Takaful means a scheme based on brotherhood, solidarity and mutual assistance which provides for mutual financial aid and assistance to participants of a scheme in case of need whereby the participants mutually agree to contribute for that purpose. Takaful Operator, we, our or us means HSBC Amanah Takaful (Malaysia) Berhad. Takaful Schedule means the Takaful Schedule issued by us to you in respect of this Certificate. Wakalah means the appointment by one party of another to act on his behalf. In the context of this Certificate, you are deemed to have appointed us to manage this plan. 2. Misrepresentation 2.1 You are required to exercise reasonable care in answering the proposal form and/or in voluntarily disclosing information to us. If the information you provide is inaccurate or fraudulently made, or we find that you have suppressed any material fact, and such information is important to our decision whether to provide Coverage to you and/or the Covered Person under the Certificate, then we may take certain action(s) as provided in this Certificate. PUBLIC Page 7 of 34 ETT082018

8 2.2 Deliberate or Reckless Misrepresentation Where we find any statements, documents, information in relation to this Certificate are untrue, misleading or suppressed information from us ( Misrepresentation ) and:- (a) was made recklessly or intentionally; and (b) are relevant to us in so far as had such information been properly disclosed to us, it would have led to:- (i) our refusal to issue this Certificate; or (ii) us imposing terms that are less favourable to the Participant and/or the Covered Person then, we may choose to terminate the Certificate. If we choose to terminate the Certificate, we will refund from the Family Risk Fund, all Tabarru deducted with respect to the Covered Person, less the total surplus distribution (if any) from the Family Risk Fund under the Certificate from the Commencement Date. 2.3 Careless or Innocent Misrepresentation If the Misrepresentation was:- (a) unintentional or innocent; and (b) had the condition or statement was correctly or accurately made known to us at the point of inception of the Certificate; and (i) as a result, we would not have issued the Certificate from the very beginning then, we may terminate the Certificate and refuse any claim thereunder as if we had never issued the Certificate. The Certificate shall be treated as if it was terminated due to Deliberate or Reckless Misrepresentation; OR (ii) as a result, we would have issued the Certificate but on different terms then, we may opt to impose those different terms in the Certificate and those terms may be applied retrospectively from the date of inception of the Certificate as if the Certificate was issued with those terms; OR PUBLIC Page 8 of 34 ETT082018

9 (iii) as a result, we would have issued the Certificate but with higher contribution or higher Tabarru then we may opt to reduce proportionately the benefit payable from the Family Risk Fund based on our standard operating methodology for such cases If the Certificate is not terminated according to Clause 5.1 of this Part 2 or are not automatically terminated under the applicable clauses of this Certificate, we may opt to:- (a) terminate the Certificate or rider/benefit(s) as the case maybe, as if the Certificate or rider/benefit(s) of this Certificate was terminated due to Deliberate or Reckless Misrepresentation; or (b) continue the Certificate or rider/benefit(s) of this Certificate with revised terms or contributions If we decide to continue the Certificate, we will notify you in writing of the revised terms or contributions of the Certificate. You have the choice to accept the revised Certificate or terminate the revised Certificate or rider/benefit(s) by replying to us in writing within Fifteen (15) days of delivery of revised terms to you. If you do not reply in writing to us of your decision, it is deemed that you accept the revised terms or contributions of the Certificate or rider/ benefit. 3. Adjustment If you decide to terminate the Certificate, the benefits payable would be as if the Certificate or Coverage was terminated due to Deliberate or Reckless Misrepresentation. 3.1 If an error or omission is found in any transaction, calculation or operation already performed pursuant to or affecting the application of this Certificate, we may make such corrective adjustments to any balance, amount, number or calculation as we consider practicable, fair and reasonable. 3.2 All payments to be made under this Certificate to or by us will be payable in Ringgit Malaysia. 4. Assignment 4.1 You may at anytime after the issuance of this Certificate and subject to terms and conditions imposed by us, assign this Certificate to a third party by completing and submitting the prescribed assignment form. We are not responsible for the consequences, validity or effect of any assignment or attempted assignment. 5. Termination 5.1 Regardless of anything contained in this Certificate, this Certificate shall terminate immediately and will discharge us from any further liability under this Certificate on: (a) the Expiry Date; or PUBLIC Page 9 of 34 ETT082018

10 (b) the next Contribution Due Date after you surrender this Certificate; or (c) the payment of the Death Benefit; or (d) the lapsation of this Certificate; WHICHEVER is earlier. 6. Grace Period and Lapsation of this Certificate 6.1 If we do not receive the contribution for the Takaful Coverage for this Certificate within Sixty (60) days from the Contribution Due Date as stated in Takaful Schedule, this Certificate will lapse. 7. Reinstatement 7.1 You may apply to reinstate this Certificate within Six (6) months from the date this Certificate lapsed, provided you have not surrendered this Certificate. 7.2 The reinstatement of this Certificate is subject to our underwriting rules, you providing us with such other evidence as we may require and the payment of contribution prescribed by us. It shall be our absolute discretion whether or not to reinstate this Certificate. 7.3 If more than Six (6) months has passed since this Certificate lapsed, we will not consider reinstating this Certificate. 7.4 If after the reinstatement of this Certificate, any statements, documents, information in relation to this Certificate are found to have been Deliberately/Recklessly Misrepresented (as defined in Clause 2.2 of this Part 2) or Carelessly/Innocently Misrepresented (as defined in Clause 2.3 of this Part 2) to us, then Clause 2.2 of this Part 2 or Clause 2.3 of this Part 2 will be applicable. 7.5 For the avoidance of doubt, all references to the words issue, issued, Commencement Date, inception and from the very beginning in Clause 2.2 and 2.3 of this Part 2 shall be replaced with reinstate, reinstated, Reinstatement Date, reinstatement and from reinstatement respectively. 8. Anti-Money Laundering and Counter Financing of Terrorism 8.1 If we discover or have reasonable suspicion that you are sanctioned under any competent authorities recognised by us or suspected to be/is in breach of any law or this Certificate or any Coverage under this Certificate is exploited for money laundering activities or to finance terrorism, or if any instruction/request given may lead to a breach of any sanction/law, we reserve the right to reject any instruction/request given or terminate this Certificate or any Coverage under this Certificate, immediately. In such an event, we shall deal with all contributions paid and all benefits/sum payable in respect of this Certificate or Coverage in any manner it deems fit, including but not limited to handing it over to the relevant authorities. PUBLIC Page 10 of 34 ETT082018

11 9. Personal Data Protection Act This Clause refers to The Notice to Customers Relating to the Personal Data Protection Act 2010 ( The Notice ) attached to this Certificate. 9.2 You and the Covered Person (if you are not the Covered Person) agree to the content of The Notice, as well as consent and authorise us to the collection, processing and sharing of all your personal data, such as your full name, I/C Number, address and medical records, for the purposes and with the parties stated in The Notice. 9.3 You or the Covered Person (if you are not the Covered Person) can request access to or for correction of your respective personal data or for information regarding policies and practices and kinds of data held by us by filling and returning to us a Data Access Request form, to the address stated in The Notice. 9.4 You or the Covered Person (if you are not the Covered Person) also have the right to request that we stop processing your respective personal data for the purposes of this Certificate by writing to us at the address stated in The Notice after this Certificate is issued. In such an event and to comply with the Personal Data Protection Act 2010, we will terminate your Certificate as if it was surrendered according to Clause 5.1(b). 9.5 We reserve the right to amend The Notice at any time and will place notice of such amendments on our website or via any other mode we view suitable. 10. Collection and Use of Customer Information, Financial Crime Risk Management Activity and Tax Compliance 10.1 This Clause refers to the Collection and Use of Customer Information, Financial Crime Risk Management Activity and Tax Compliance ( Global Clause ) attached to this Certificate. Terms used in this Clause shall have the same meaning as defined in the Global Clause You and all Connected Person(s) agree to the content of the Global Clause as well as consent and authorise us to the collection, processing and sharing of your and/or any Connected Person(s) personal data, such as your full name, I/C Number and address for the purposes and with the parties stated in the Global Clause You agree to inform us promptly, in writing if there are any changes to your or any Customer Information supplied and to promptly respond to any request from us If you or a Connected Person fail to provide us with Customer Information that we request or we have reasonable suspicions regarding the possible commission of a Financial Crime or associated risk, we may:- PUBLIC Page 11 of 34 ETT082018

12 (a) be unable to provide new Services, or carry out any of your instructions in relation to this Certificate; and/or (b) take actions necessary for us or a member of the HSBC Group to meet the Compliance Obligations In addition and subject to Malaysian law and regulations, your or the Connected Person s failure to provide promptly your or a Connected Person s, Tax Information when requested may result in us making our own decision regarding your status or a Connected Person s, including whether to report you or a Connected Person to a Tax Authority, and may require us to withhold amounts as may be legally required by any Tax Authority and paying such amounts to the Tax Authority We reserve the right to amend the Global Clause at any time and will place notice of such amendments on our website or via any other mode we view suitable In the event there are any inconsistency(ies) between this Clause and the Global Clause, the Global Clause will prevail. 11. Interpretation 11.1 In this Certificate, unless otherwise stated: (a) headings are inserted for convenience only and shall not affect the construction of this Certificate; (b) references to persons shall include a body of persons, associations/societies, partnerships, as well as bodies incorporated and unincorporated; (c) words denoting the singular shall where appropriate include the plural and vice-versa; (d) words denoting a gender shall include every gender; and (e) references to any notice or request to be given to us shall be in writing Each provision of this Certificate is severable and distinct from the others and if one or more of such provisions are or becomes invalid, void or illegal, the enforceability of the remaining provisions of this Certificate shall not in any way be affected or impaired by it If there is any conflict between the English version of this Certificate and any other version, the English version shall prevail. 12. Subject to Laws, Rules and Regulations 12.1 This Certificate is subject to and shall be performed in accordance with the laws, rules and regulations currently in force in Malaysia and such laws, rules and regulations shall include but shall not be PUBLIC Page 12 of 34 ETT082018

13 limited to any circulars, directives or guidelines now or hereafter issued by Bank Negara Malaysia (including its Shariah Advisory Council) applicable to the Takaful industry ("Rules and Regulations"). In the event of conflict between the provisions of this Certificate and such Rules and Regulations, the Rules and Regulations shall prevail We shall have the absolute authority to make any changes that may be required to comply with the Rules and Regulations by written notice to you. 13. Restriction on Certificate 13.1 This Certificate is intended for distribution only in Malaysia and governed by the laws of Malaysia. If you, or anyone else with authority over or otherwise connected to this Certificate (such as the Covered Person or the beneficiary) is, temporarily or permanently: (a) outside of Malaysia; or (b) otherwise subject to the laws of any other place; such that we reasonably believe that by complying with a particular term or condition of this Certificate we would breach any laws of Malaysia or such other place, then we are entitled not to comply with such term or condition for any period of time we deem necessary, regardless of what such term or condition may provide. This might include declining to service some of your requests related to this Certificate. You agree we will not be liable for any losses, damages, claims, liabilities or costs you or any other relevant person may suffer from our exercise of our rights under this clause. The prior sentence continues to apply even if this Certificate terminates for any reason. 14. Notices 14.1 Any notice may be given to you at the latest address stated in our records by (a) personal delivery and shall be taken to have been received at the time of delivery; or (b) ordinary or registered post (whether AR or not) or courier and shall be taken to have been received on the 3rd day after posting or the 3rd day after despatch to the courier service provider, even though it may later be returned undelivered, or we are not in receipt of the signed AR card or your s acknowledgement of receipt. PUBLIC Page 13 of 34 ETT082018

14 Part 3 Family Risk Fund 1. Family Risk Fund and Surplus Distribution 1.1 The contribution paid in respect of the Takaful Coverage under this Certificate less any Wakalah fee will be credited into the Family Risk Fund managed by us on the basis of Tabarru. 1.2 The Family Risk Fund is for the collective benefit of all its participants and provides a means of financial protection. 1.3 The Family Risk Fund is used to pay the Sum Covered for the relevant Coverage under this Certificate. 1.4 We will manage the Family Risk Fund in accordance with principles of Shariah and will avoid investing the assets of the Family Risk Fund in securities and assets prohibited by Shariah. 1.5 We are authorised to and may secure retakaful/reinsurance as we see fit in respect of the Family Risk Fund/Takaful Coverage granted under this Certificate. Any reinsurance arrangement will be subject to Shariah Committee approval. The contribution/premium payable in respect of such retakaful/reinsurance shall be paid out of the Family Risk Fund. All proceeds (if any) from the retakaful/reinsurance arrangements will be credited into the Family Risk Fund. 1.6 All costs, expenses, charges and levies for maintaining and investing the assets of the Family Risk Fund and any other related expenses shall be borne and paid from the Family Risk Fund. 1.7 At the end of each financial year, the surplus in the Family Risk Fund is determined. Part of the surplus may be retained for contingencies and subject to Clause 1.8 below, the balance will be distributed to eligible participants. 1.8 As a reward for managing and administering the Family Risk Fund, we are entitled to an incentive equal to Fifty percent (50%) of any surplus distributable from the Family Risk Fund. The balance Fifty percent (50%) of any surplus distributable will be distributed among eligible participants and your entitlement will be credited into your savings account or credit card account, depending on the contribution payment method you chose in the proposal form, on a yearly basis. One attempt will be made to credit the surplus into your account and if the attempt fails, the surplus will be donated for charitable purposes as approved by our Shariah Committee. 1.9 If the Family Risk Fund is in deficit, we will grant Qard (interest free loan) from our Operator Fund to rectify the deficit. Future surplus distributable in the Family Risk Fund will be used to repay the Qard before the distribution of any surplus. PUBLIC Page 14 of 34 ETT082018

15 2. Surrender of Certificate 2.1 You may surrender this Certificate by giving us a written notice at any time. 2.2 No request for surrender will be acted on until we receive the written request for surrender. 2.3 There will be no surrender value applicable upon surrender of this Certificate. 2.4 This Certificate will terminate on the next Contribution Due Date after you have surrendered it to us. PUBLIC Page 15 of 34 ETT082018

16 Part 4 Death Benefit 1. Death Benefit 1.1 The Death Benefit will be payable in one lump sum on the death of the Covered Person provided this Certificate is in force at the date of death. 1.2 The Death Benefit shall consist of the Sum Covered as stated in Takaful Schedule less outstanding contribution, if any. 2. Suicide 2.1 In the event the Covered Person commits suicide (whether while sane or insane) within Twelve (12) months from the Issue Date or the date of reinstatement of this Certificate, whichever is later, no Death Benefit will be payable. 3. Discharge 3.1 Payment of the Death Benefit in accordance with this Part 4, shall discharge us from any further liability under this Certificate. PUBLIC Page 16 of 34 ETT082018

17 Part 5 Contributions and Fees 1. Contribution 1.1 This Certificate is issued and the benefits under this Certificate are available to you in consideration of the payment of the prescribed contribution. 1.2 The contributions payable and the frequency of the contribution are as stated in the Takaful Schedule. 2. Wakalah Fee 2.1 Each contribution will be subject to a Wakalah fee and the percentages and amounts are prescribed in the Takaful Schedule. 3. Tabarru 3.1 The contributions paid less Wakalah fee will be credited into the Family Risk Fund as Tabarru. 4. Change in Wakalah Fee 4.1 We may revise the Wakalah fee rates provided we give you at least Three (3) months notice in writing. Revisions shall take effect at the next Certificate Anniversary after the Three (3) months notice period. PUBLIC Page 17 of 34 ETT082018

18 SIJIL TAKAFUL KELUARGA Pelan Takaful Keluarga ini diuruskan oleh HSBC Amanah Takaful (Malaysia) Berhad di mana ia menyediakan manfaat perlindungan kepada anda. Takaful merupakan skim saling bantu membantu berdasarkan semangat persaudaraan dan perpaduan di mana peserta-peserta seperti anda bersetuju untuk saling membantu dari segi kewangan jika berlaku keadaan yang tertentu. Sebahagian daripada sumbangan anda akan disalurkan ke Dana Risiko Keluarga berdasarkan konsep Tabarru (derma). Pelan Takaful Keluarga ini diurus berlandaskan prinsip-prinsip Syariah di bawah bimbingan Jawatankuasa Syariah kami. Sebagai balasan kepada penyertaan dan sumbangan anda, kami dengan ini membuat perjanjian dengan anda di atas terma dan syarat yang dinyatakan dalam Sijil ini. Sebarang perubahan atau pertukaran yang diminta ke atas termaterma di dalam Sijil ini akan berkuatkuasa dengan pengendorsan kami. Hubungan antara semua peserta dan HSBC Amanah Takaful (Malaysia) Berhad adalah ditentukan oleh Sijil ini berdasarkan kontrak Wakalah. Sijil ini menghuraikan peruntukan-peruntukan penuh untuk pelan ini. Sila baca Sijil ini dengan teliti untuk memastikan pelan ini menepati keperluan anda. PUBLIC Page 18 of 34 ETT082018

19 Bahagian 1 Penyataan Maklumat Sijil 1. Anda boleh membayar sumbangan anda kepada kami: 1.1 di Ibu Pejabat kami di Tingkat 8, North Tower, No. 2, Leboh Ampang, Kuala Lumpur; 1.2 di mana-mana cawangan HSBC Bank Malaysia Berhad atau HSBC Amanah Malaysia Berhad (secara kolektif HSBC Bank ); atau 1.3 dengan kad kredit atau auto debit ini boleh diatur di mana-mana cawangan HSBC Bank. 2. Anda boleh melantik seseorang untuk menerima manfaat-manfaat yang dibayar di bawah Sijil ini sama ada sebagai wasi atau benefisiari apabila anda meninggal dunia. Kami telah menyediakan borang standard untuk tujuan ini tetapi kami menegaskan supaya anda memastikan kandungan di dalam borang kami adalah sesuai untuk keperluan anda dan penama dimaklumkan berkenaan penyertaan anda di dalam Sijil ini. 3. Anda boleh membatalkan Sijil ini dengan memaklumkan kepada kami secara bertulis dalam tempoh Lima Belas (15) hari dari tarikh penghantaran Jadual dan Sijil Takaful ini ke alamat yang anda berikan kepada kami di dalam borang cadangan ( tempoh percubaan ). Dalam keadaan sedemikian dan selepas bayaran balik sumbangan anda, kami akan membatalkan Sijil ini dan liabiliti kami berkenaan dengan Perlindungan anda di bawah Sijil ini akan tamat. 4. Anda boleh memberitahu kami secara bertulis untuk menyerahkan Sijil ini selepas tamat tempoh percubaan. Sila ambil perhatian bahawa dengan berbuat demikian, anda akan kehilangan manfaat-manfaat di bawah Sijil ini dan tiada nilai serahan akan dibayar. 5. Anda mesti memaklumkan kepada kami dan menyediakan dokumen-dokumen yang berkaitan dengan segera untuk memastikan perkhidmatan kami kepada anda tidak akan terganggu: 5.1 jika ada pertukaran alamat dan nombor perhubungan anda atau maklumat peribadi yang lain; atau 5.2 jika anda ingin menukar orang yang anda telah namakan untuk menerima manfaat-manfaat yang dibayar di bawah Sijil ini sekiranya anda meninggal dunia. 6. Sekiranya berlaku tuntutan atau sebelum pembayaran manfaat di bawah Sijil ini: 6.1 Bukti yang memuaskan berkenaan umur Orang yang Dilindungi, di mana berkaitan, diperlukan sekiranya umur tidak diberikan atau dokumen bukti yang relevan belum diberikan kepada kami; 6.2 Tuntutan dan semua dokumen dan maklumat yang diperlukan oleh kami mesti diberikan kepada kami secara bertulis atau dalam bentuk atau format yang mungkin kami kehendaki (tanpa sebarang perbelanjaan kepada kami), dalam masa Sembilan Puluh (90) hari dari tarikh kejadian yang menyebabkan tuntutan dibuat; dan PUBLIC Page 19 of 34 ETT082018

20 6.3 Tiada tindakan undang-undang atau ekuiti yang boleh diambil berhubung dengan tuntutan berlandaskan kepada Sijil ini sebelum tamat tempoh Enam Puluh (60) hari selepas mematuhi sepenuhnya syarat-syarat yang dinyatakan di atas. 7. Jika anda ingin mendapatkan sebarang maklumat lanjut, mengemaskini maklumat peribadi Orang yang Dilindungi atau maklumat peribadi anda, membuat pertanyaan, memberi maklumbalas, atau mempertikaikan sebarang keputusan kami berkaitan dengan Sijil ini, kami boleh dihubungi di: Pusat Perhubungan HSBC Amanah Takaful (Malaysia) Berhad Peti Surat 13343, Kuala Lumpur Tel: Faks: BNMLINK, BNMTELELINK dan Ombudsman Perkhidmatan Kewangan ditubuhkan bagi menawarkan perlindungan pengguna kepada peserta-peserta untuk menimbangtara sebarang pertikaian ke atas pembayaran tuntutan di antara Pengendali Takaful dan peserta-peserta. Jika ada sebarang pertikaian ke atas pembayaran tuntutan yang timbul daripada Sijil ini, anda boleh menghubungi atau menulis kepada: 8.1 BNMLINK menyediakan perkhidmatan pelanggan secara bersemuka untuk pelawat-pelawat yang datang untuk membuat pertanyaan umum dan aduan-aduan awam. BNMLINK terletak di pejabatpejabat wilayah Bank Negara Malaysia dan ibu pejabatnya adalah di: BNMLINK Bank Negara Malaysia Block D, Jalan Dato Onn Kuala Lumpur 8.2 Anda juga boleh menghubungi BNMTELELINK melalui telefon, faks, surat atau e-mel dengan menghubungi alamat seperti di bawah: Pusat Perhubungan (BNMTELELINK) Laman Informasi Nasihat dan Khidmat (LINK) Bank Negara Malaysia P.O. Box Kuala Lumpur Tel: (LINK) Faks: E-mel: BNMLINK dan BNMTELELINK beroperasi dari: Isnin Jumaat, 9.00 pagi 5 petang PUBLIC Page 20 of 34 ETT082018

21 8.3 Ombudsman Perkhidmatan Kewangan (664393P) (Dahulu dikenali sebagai Biro Pengantaraan Kewangan) Tingkat 14, Blok Utama Menara Takaful Malaysia No. 4, Jalan Sultan Sulaiman Kuala Lumpur Tel: Faks: E-mel: Laman web: PUBLIC Page 21 of 34 ETT082018

22 Bahagian 2 Peruntukan Am 1. Makna dan definisi 1.1 Di dalam Sijil ini, melainkan sesuatu perkara atau konteks di dalam perkara itu tidak konsisten: Umur Tercapai bermaksud umur anda sekarang berdasarkan tarikh lahir terakhir anda semasa Tahun Sijil. Sijil bererti Sijil Takaful Keluarga ini, borang cadangan, Jadual Takaful dan semua pengendorsan. Ulang Tahun Sijil bermaksud setiap ulang tahun Tarikh Kuatkuasa. Tahun Sijil bermaksud tahun antara Ulang Tahun Sijil. Tahun pertama Sijil bermula dari Tarikh Kuatkuasa. Tarikh Kuatkuasa bermaksud Tarikh Kuatkuasa seperti yang dinyatakan di dalam Jadual Takaful dan tarikh di mana Perlindungan di bawah Sijil ini bermula. Orang yang Berhubungkait bermaksud orang atau entiti lain selain daripada diri anda yang mana maklumat (termasuk data peribadi atau maklumat cukai) sama ada diberikan oleh anda, atau untuk pihak anda, berkaitan dengan sebarang Sijil Takaful. Contoh Orang yang Berhubungkait termasuk orang yang dikenal pasti sebagai penerima manfaat dalam Sijil Takaful atau pemegang amanah yang memegang Sijil Takaful. Tarikh Sumbangan Perlu Dibayar bermaksud tarikh di mana sumbangan perlu dibayar berdasarkan frekuensi pembayaran yang dinyatakan di dalam Jadual Takaful. Tarikh Sumbangan Perlu Dibayar yang pertama ialah Tarikh Kuatkuasa. Tahun Sumbangan bermaksud Satu (1) tahun penuh dengan sumbangan berkala. Tahun Sumbangan hanya akan dikira Satu (1) Tahun Sumbangan jika bayaran sumbangan berkala cukup Satu (1) tahun penuh. Perlindungan bermaksud jenis Perlindungan yang dinyatakan di dalam Jadual Takaful. Orang yang Dilindungi bermaksud orang yang dinamakan di dalam Jadual Takaful sebagai Orang yang Dilindungi yang layak mendapat Perlindungan Takaful di bawah Sijil ini. Manfaat Kematian bermaksud manfaat yang dibayar di bawah Bahagian 4 Sijil ini. Tarikh Luput bermaksud Tarikh Luput di bawah Sijil ini seperti yang dinyatakan di dalam Jadual Takaful. Dana Risiko Keluarga bermaksud Dana Risiko Keluarga seperti yang dinyatakan di bawah Klausa 1, Bahagian 3 Sijil ini. PUBLIC Page 22 of 34 ETT082018

23 Kumpulan HSBC bermaksud HSBC Holdings plc, syarikat sekutunya, anak-anak syarikatnya, entiti-entiti berkaitan dan mana-mana cawangan dan pejabatnya (bersama-sama atau perseorangan). Tarikh Dikeluarkan bermaksud tarikh Sijil ini dikeluarkan seperti yang dinyatakan di dalam Jadual Takaful. Peserta, anda bermaksud orang yang dinamakan di dalam Jadual Takaful sebagai Peserta yang menyertai pelan Takaful di bawah Sijil ini, pemegang serah hak atau individu yang berhak ke atas Sijil atau manfaat-manfaat di bawahnya. Hanya Peserta boleh melaksanakan semua hak, hak keistimewaan dan pilihan yang disediakan di bawah Sijil ini. Pengamal Perubatan Berdaftar bermaksud orang yang bertauliah untuk mengamal perubatan barat dan yang didaftar dengan pihak berkuasa yang sewajarnya di Malaysia untuk mengamalkan perubatan di dalam skop yang dibenarkan oleh pihak berkuasa tersebut dan melalui latihannya, tetapi tidak termasuk anda, pasangan anda atau keluarga terdekat anda. Syariah bermaksud undang-undang Islam. Tafsiran dan keputusan Jawatankuasa Syariah akan mengikat semua pihak di dalam Sijil ini. Jawatankuasa Syariah bermaksud jawatankuasa yang dilantik oleh kami untuk memberi nasihat berkaitan dengan operasi perniagaan Takaful kami bagi memastikan ianya patuh Syariah. Jumlah Perlindungan bermaksud jumlah perlindungan yang dinyatakan di dalam Jadual Takaful untuk setiap Perlindungan dan boleh diubah dari semasa ke semasa. Tabarru bermaksud derma, hadiah atau sumbangan. Di dalam Sijil ini, Tabarru bermakna derma untuk tujuan Takaful. Takaful bermaksud satu skim berasaskan semangat persaudaraan, perpaduan dan bantuan bersama yang menyediakan bantuan kewangan bersama-sama dan pertolongan kepada peserta-peserta di dalam satu skim jika ia diperlukan di mana peserta-peserta bersetuju untuk memberi sumbangan bagi tujuan tersebut. Pengendali Takaful, kami merujuk kepada HSBC Amanah Takaful (Malaysia) Berhad. Jadual Takaful bermaksud Jadual Takaful yang dikeluarkan oleh kami kepada anda berhubung dengan Sijil ini. Wakalah bermaksud perlantikan oleh satu pihak kepada pihak yang lain untuk bertindak bagi pihaknya. Di dalam konteks Sijil ini, anda dianggap telah melantik kami untuk menguruskan pelan ini. 2. Salah Nyata 2.1 Anda hendaklah menggunakan pertimbangan sewajarnya semasa mengisi borang cadangan dan/atau mendedahkan maklumat secara sukarela kepada kami. Jika maklumat yang anda berikan adalah tidak PUBLIC Page 23 of 34 ETT082018

24 tepat atau melibatkan penipuan, atau jika kami mendapati bahawa anda telah menyembunyikan sebarang fakta yang berkenaan, dan maklumat tersebut penting dalam keputusan kami sama ada untuk memberikan Perlindungan kepada anda dan/atau Orang yang Dilindungi di bawah Sijil, maka kami boleh mengambil tindakan tertentu seperti yang diperuntukkan di dalam Sijil ini. 2.2 Salah Nyata Sengaja atau Melulu Sekiranya kami mendapati sebarang kenyataan-kenyataan, dokumen-dokumen, maklumat-maklumat yang berkaitan dengan Sijil ini adalah tidak benar, mengelirukan atau terdapat maklumat disembunyikan daripada kami ( Salah Nyata ) dan:- (a) dilakukan secara melulu atau sengaja; dan (b) adalah penting kepada kami kerana sekiranya maklumat tersebut telah didedahkan dengan sewajarnya kepada kami, ia akan menyebabkan:- (i) keengganan kami untuk mengeluarkan Sijil ini; atau (ii) kami mengenakan syarat yang lebih ketat kepada Peserta dan/atau Orang yang Dilindungi. maka, kami boleh membuat keputusan untuk menamatkan Sijil ini. Jika kami memilih untuk menamatkan Sijil, kami akan memulangkan daripada Dana Risiko Keluarga, semua Tabarru yang ditolak berkenaan dengan Orang yang Dilindungi, ditolak lebihan yang diagihkan (jika ada) daripada Dana Risiko Keluarga di bawah Sijil dari Tarikh Kuatkuasa. 2.3 Salah Nyata Cuai atau Tidak Disedari Jika Salah Nyata adalah:- (a) cuai atau tidak disedari; dan (b) sekiranya keadaan atau kenyataan dimaklumkan dengan betul atau tepat kepada kami pada masa permulaan Sijil; dan (i) kami sepatutnya tidak mengeluarkan Sijil sejak dari mula lagi, maka kami boleh menamatkan Sijil dan menolak sebarang tuntutan di bawahnya seolah-olah kami tidak pernah mengeluarkan Sijil. Sijil hendaklah dianggap seolah-olah ia telah ditamatkan kerana Salah Nyata Sengaja atau Melulu; ATAU (ii) kami sepatutnya mengeluarkan Sijil tetapi mengikut syarat berbeza, maka kami boleh memilih untuk mengenakan syarat berbeza dalam Sijil dan syarat tersebut boleh diguna pakai secara retrospektif dari tarikh permulaan Sijil seolah-olah Sijil tersebut telah dikeluarkan dengan syarat tersebut; PUBLIC Page 24 of 34 ETT082018

25 ATAU (iii) kami sepatutnya mengeluarkan Sijil tetapi dengan sumbangan yang lebih tinggi atau Tabarru yang lebih tinggi, maka kami boleh memilih untuk mengurangkan manfaat yang perlu dibayar daripada Dana Risiko Keluarga secara bersekadar berasaskan kaedah operasi standard bagi kes sedemikian Jika Sijil tidak ditamatkan menurut Klausa 5.1 Bahagian 2 atau tidak ditamatkan secara automatik di bawah klausa-klausa yang berkenaan di bawah Sijil ini, kami boleh memilih untuk:- (a) menamatkan Sijil atau rider/manfaat, seolah-olah Sijil atau rider/manfaat Sijil ini ditamatkan kerana Salah Nyata Sengaja atau Melulu; atau (b) meneruskan Sijil atau rider/manfaat Sijil ini dengan terma-terma atau sumbangan yang telah diubah Jika kami membuat keputusan untuk meneruskan Sijil, kami akan memaklumkan anda secara bertulis tentang syarat atau sumbangan Sijil ini yang telah diubah. Anda mempunyai pilihan untuk menerima Sijil yang diubah atau menamatkan Sijil atau rider/manfaat yang diubah dengan memberikan jawapan kepada kami dalam masa Lima Belas (15) hari selepas penghantaran syarat yang diubah kepada anda. Jikalau anda tidak membalas secara bertulis kepada kami akan keputusan anda, maka anda dianggap telah menerima terma-terma atau sumbangan bagi Sijil ini atau rider/manfaat yang telah diubah Jika anda membuat keputusan untuk menamatkan Sijil, manfaat yang perlu dibayar adalah seolah-olah Sijil atau Perlindungan ditamatkan kerana Salah Nyata Sengaja atau Melulu. 3. Pembetulan 3.1 Jika terdapat sebarang kesilapan atau maklumat yang tertinggal dalam sebarang transaksi, pengiraan atau operasi yang telah dibuat berlandaskan kepada atau menjejaskan permohonan Sijil ini, kami mungkin akan membuat pembetulan terhadap sebarang baki, amaun, nombor atau kiraan yang kami rasa praktikal, adil dan munasabah. 3.2 Semua bayaran yang dibuat di bawah Sijil ini kepada atau daripada kami akan dibayar di dalam Ringgit Malaysia. PUBLIC Page 25 of 34 ETT082018

26 4. Penyerahan Hak 4.1 Anda boleh menyerahkan hak Sijil ini kepada mana-mana pihak ketiga pada bila-bila masa dengan melengkapkan dan mengemukakan borang serahan hak yang ditetapkan selepas pengeluaran Sijil ini dan tertakluk kepada terma dan syarat yang dikenakan oleh kami. Kami tidak akan bertanggungjawab ke atas akibat-akibat, kesahihan atau kesan-kesan penyerahan hak atau cubaan penyerahan hak. 5. Penamatan 5.1 Tanpa mengambil kira sebarang kandungan dalam Sijil ini, Sijil ini akan tamat dengan serta-merta dan ini akan melepaskan kami daripada sebarang liabiliti di bawah Sijil ini: (a) pada Tarikh Luput; atau (b) pada Tarikh Sumbangan Perlu Dibayar seterusnya selepas anda menyerahkan Sijil ini; atau (c) apabila pembayaran Manfaat Kematian dibuat; atau (d) apabila Sijil ini telah luput; YANG MANA berlaku dahulu. 6. Tempoh Tenggang dan Peluputan Sijil ini 6.1 Jika kami tidak menerima sumbangan untuk Perlindungan Takaful untuk Sijil ini dalam tempoh Enam Puluh (60) hari dari Tarikh Sumbangan Perlu Dibayar seperti yang dinyatakan di dalam Jadual Takaful, Sijil ini akan luput. 7. Penyambungan Semula 7.1 Anda boleh memohon untuk menyambung semula Sijil ini dalam masa Enam (6) bulan dari tarikh luput Sijil ini dengan syarat anda masih belum menyerahkan Sijil ini. 7.2 Penyambungan semula Sijil ini adalah tertakluk kepada syarat-syarat pengunderaitan kami, anda menyerahkan kepada kami bukti-bukti lain yang kami mungkin kehendaki bersama dengan pembayaran sumbangan yang ditentukan oleh kami. Ia adalah atas budi bicara mutlak kami sama ada akan atau tidak menyambung semula Sijil ini. 7.3 Jika Sijil ini telah luput lebih daripada Enam (6) bulan, kami tidak akan mempertimbangkan untuk menyambung semula Sijil ini. 7.4 Sekiranya selepas penyambungan semula Sijil ini, sebarang kenyataan, dokumen, maklumat berkaitan dengan Sijil ini didapati disalahnyatakan secara Sengaja/Melulu (seperti yang ditakrifkan dalam Klausa 2.2 pada Bahagian 2 ini) atau disalahnyatakan secara Cuai/Tidak Disedari (seperti yang PUBLIC Page 26 of 34 ETT082018

27 ditakrifkan di bawah Klausa 2.3 Bahagian 2 ini) kepada kami, maka Klausa 2.2 Bahagian 2 atau Klausa 2.3 Bahagian 2 akan diguna pakai. 7.5 Bagi mengelakkan sebarang keraguan, perkataan dikeluarkan, telah dikeluarkan, Tarikh Kuatkuasa, permulaan dan sejak dari mula dalam Klausa 2.2 dan 2.3 dalam Bahagian 2 ini hendaklah masing-masing digantikan dengan menyambung semula, telah disambungkan semula, Tarikh Penyambungan Semula, penyambungan semula dan dari penyambungan semula. 8. Pencegahan Pengubahan Wang Haram dan Pembiayaan Keganasan Secara Haram 8.1 Jika kami mendapat tahu atau mempunyai kesangsian yang berasas bahawa anda telah disekat oleh mana-mana pihak berkuasa yang layak yang dikenalpasti oleh kami atau anda mungkin melanggar sebarang undang-undang, atau Sijil ini atau sebarang Perlindungan di bawah Sijil ini dieksploitasi untuk aktiviti-aktiviti pengubahan wang haram atau untuk membiayai keganasan, atau jika sebarang arahan/permintaan yang diberi berkemungkinan membawa kepada perlanggaran sebarang sekatan/undang-undang, kami berhak untuk menolak sebarang arahan/permintaan yang diberi atau menamatkan Sijil ini atau Perlindungan anda, di bawah Sijil ini, dengan serta-merta. Dalam keadaan yang sedemikian, kami boleh menguruskan kesemua sumbangan yang dibayar dan kesemua manfaat/jumlah perlu dibayar berkaitan Sijil ini atau Perlindungan anda dalam apa-apa cara sekalipun yang dianggap sesuai, termasuk tetapi tidak terhad kepada penyerahan kepada pihak berkuasa yang berkenaan. 9. Akta Perlindungan Data Peribadi Klausa ini merujuk kepada Notis Pelanggan Berkenaan dengan Akta Perlindungan Data Peribadi 2010 ( Notis tersebut ), yang dikepilkan bersama dengan Sijil ini. 9.2 Anda dan Orang yang Dilindungi (jikalau anda bukan Orang yang Dilindungi) bersetuju dengan kandungan Notis tersebut, serta membenarkan dan memberi kuasa kepada kami untuk mengumpul, mengguna dan berkongsi semua data peribadi anda, seperti nama penuh, No. K/P, alamat dan rekod perubatan, untuk tujuan-tujuan dan dengan pihak-pihak seperti yang terkandung di dalam Notis tersebut. 9.3 Anda atau Orang yang Dilindungi (jikalau anda bukan Orang yang Dilindungi) boleh meminta akses kepada atau membetulkan data anda atau mendapatkan maklumat mengenai polisi-polisi dan amalanamalan dan jenis-jenis data yang disimpan oleh kami dengan mengisi dan memulangkan kepada kami Borang Akses Data kepada alamat yang terkandung di dalam Notis tersebut. 9.4 Anda atau Orang yang Dilindungi (jikalau anda bukan Orang yang Dilindungi) juga boleh meminta kami berhenti memproses data peribadi masing-masing untuk tujuan-tujuan berkaitan dengan Sijil ini dengan menulis kepada kami di alamat yang terkandung dalam Notis tersebut selepas Sijil ini dikeluarkan. Dalam keadaan sedemikian dan bagi mematuhi Akta Perlindungan Data Peribadi 2010, kami akan menamatkan Sijil anda selaras dengan Klausa 5.1(b). PUBLIC Page 27 of 34 ETT082018

28 9.5 Kami berhak untuk meminda Notis tersebut pada bila-bila masa dan akan meletakkan notis pindaan tersebut di laman sesawang kami atau melalui apa-apa cara lain yang kami anggap sesuai. 10. Notis berkenaan Kutipan dan Penggunaan Maklumat Pelanggan, Aktiviti Pengurusan Risiko Jenayah Kewangan dan Pematuhan Cukai 10.1 Klausa ini merujuk kepada Kutipan dan Penggunaan Maklumat Pelanggan, Aktiviti Pengurusan Risiko Jenayah Kewangan dan Pematuhan Cukai ( Klausa Global ), yang dikepilkan bersama dengan Sijil ini. Terma-terma yang digunakan di dalam Klausa ini mengandungi makna yang sama seperti yang ditakrif di dalam Klausa Global Anda dan semua Orang yang Berhubungkait bersetuju dengan kandungan Klausa Global tersebut, serta membenarkan dan memberi kuasa kepada kami untuk mengumpul, mengguna dan berkongsi semua data peribadi anda dan/atau Orang yang Berhubungkait, seperti nama penuh, No. K/P dan alamat, untuk tujuan-tujuan dan dengan pihak-pihak seperti yang terkandung di dalam Klausa Global tersebut Anda bersetuju untuk memberitahu kami dengan kadar segera, secara bertulis jika terdapat sebarang perubahan kepada maklumat anda atau Maklumat Pelanggan yang dibekalkan kepada kami dan bertindak dengan segera terhadap sebarang permintaan daripada kami Jikalau anda atau Orang yang Berhubungkait gagal untuk membekalkan Maklumat Pelanggan yang kami minta atau kami mempunyai syak wasangka yang munasabah mengenai kemungkinan berlakunya Jenayah Kewangan atau risiko yang berkaitan, kami boleh:- (a) tidak menyediakan Perkhidmatan baru atau menjalankan apa-apa arahan anda berhubung dengan Sijil ini; dan/atau (b) mengambil tindakan yang sewajarnya bagi kami atau ahli Kumpulan HSBC untuk memenuhi Kewajipan Pematuhan Sebagai tambahan dan tertakluk kepada undang-undang dan peraturan-peraturan Malaysia, kegagalan anda atau Orang yang Berhubungkait untuk membekalkan Maklumat Cukai anda atau Orang yang Berhubungkait bila diminta boleh mengakibatkan kami membuat keputusan sendiri berkenaan status anda atau Orang Yang Berhubungkait, termasuk sama ada untuk melaporkan anda atau Orang Yang Berhubungkait kepada Pihak Berkuasa Cukai, dan mungkin menghendaki kami untuk menahan jumlah yang sah yang dikehendaki oleh mana-mana Pihak Berkuasa Cukai dan membayar jumlah itu kepada Pihak Berkuasa Cukai Kami berhak untuk meminda Klausa Global ini pada bila-bila masa dan akan meletakkan notis pindaan tersebut di laman sesawang kami atau melalui apa-apa cara lain yang kami anggap sesuai Sekiranya terdapat percanggahan di antara Klausa ini dan Klausa Global, Klausa Global akan diguna pakai. PUBLIC Page 28 of 34 ETT082018