TABLE OF MONTHLY SAVINGS IN LABBAIK ( ) ACCOUNT-i (TABLE 1)

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2 Labbaik ( ) Account-i is a unique Mudharabah Savings Account facility that comes with Takaful Protection. This saving plan enables you to perform Haj 1 upon maturity or Badal Haji, upon death or Total and Permanent Disability (TPD). This saving plan is based on Mudharabah contract, which entails the concept of profit sharing. You will enjoy the profit gained from investment according to the pre-agreed ratio. THE CALLING TO THE HOLY LAND This is the 5th pillar in Islam, whereby all Muslims are called upon to perform Haj at least once in a lifetime. Labbaik ( ) Account-i gives you the opportunity to answer the call of the Almighty with just minimum monthly savings. INTRODUCTION TO LABBAIK ( ) ACCOUNT-i The Plan Labbaik ( ) Account-i is a 2-in-1 plan which allows you to save as well as to be protected in an untimely death or TPD 2. To enjoy the benefits under this plan, you only need to deposit minimum monthly savings in the Labbaik ( ) Account-i and pay a single contribution for Takaful Protection. Flexible Period of Coverage Labbaik ( ) Account-i will give you more flexibility in planning your financial needs. You may choose the package that best suits your needs from a minimum of 5 years or up to a maximum of 15 years as per Table 1. TABLE OF MONTHLY SAVINGS IN LABBAIK ( ) ACCOUNT-i (TABLE 1) PACKAGE A 30,000 PACKAGE B 40,000 PACKAGE C 50,000 5-yr 10-yr 15-yr 5-yr 10-yr 15-yr 5-yr 10-yr 15-yr Note : The monthly savings is based on the current price of Haj package and is subject to change [to be advised by TH Travel & Services (THTS)]. The Highlights a. Profit (if any) resulted from Mudharabah investment; b. Badal Haji, will be arranged on your behalf in the event of premature death or TPD; c. Umrah packages to be won 3. (By saving longer and consistently, the higher the chances of performing Umrah. Subject to terms and conditions); d. As Bank Islam customers, you will enjoy the privilege of our exclusive arrangement with Tabung Haji Travel Services (THTS), a reputable and established Haji and Umrah Operator with 40 years of experience. 1 subject to the availability of quota allotted by the Kingdom of Saudi Arabia for that year and with priority to the Tabung Haji depositors who have earlier registered for Haj. 2 prior to age 65 years old and subject to the tenure of the plan. 3 all Umrah packages are provided by the bank.

3 ENJOY THE BENEFIT OF TAKAFUL PROTECTION Under this saving plan, you will enjoy Takaful Protection, should you suffer TPD or upon death as per Table 2. TABLE OF TAKAFUL PROTECTION (Table 2) Initial Sum Covered 4 Badal Haji Funeral Expense A 30,000 3,000 1,000 B 40,000 3,000 1,000 C 50,000 3,000 1,000 4 The sum covered will be reduced accordingly over the duration. Entry Age (Years) TABLE OF SINGLE CONTRIBUTION FOR TAKAFUL COVERAGE (Table 3) A () B () C () 5-yr 10-yr 15-yr 5-yr 10-yr 15-yr 5-yr 10-yr 15-yr N/A N/A N/A Note : The cost of Takaful protection is based on the entry age of the contributor, term and package plan. Please refer to the Product Disclosure Sheet (PDS) of Takaful mygroup Badal Haji for the Table of Reducing Sum Covered.

4 Frequently Asked Questions (FAQ) 1. Who is eligible? All Bank Islam Muslim customers between the ages of 18 and 60 years are eligible to apply. 2. When will my coverage under this plan begin? Immediately after you have paid the stipulated amount as per Table 1 and Table 3 and provided we have accepted and approved your health declaration, your coverage takes effect. 3. What would be my initial and subsequent deposit? Under this plan, you will need to deposit minimum monthly savings in Labbaik ( ) Account-i and pay a single contribution for Takaful protection. Opening of account 2nd month 3rd month 4th month and above Savings Takaful Contribution Debit Card (Optional) Total Assumption : Age 25 years old, A, 5 Years. 4. How do I make payments? Initial payment can be made : a. via cash over the counter; b. by debiting from your Current/ Savings account in Bank Islam. Subsequent deposit can be made : a. via cash over the counter; b. by debiting from your Current/ Savings account in Bank Islam; c. by standing instruction from other financial institutions; d. by Self Service Terminals, Internet Banking and Mobile Banking-i (TAP). 5. Can I perform withdrawal? Will my Takaful Protection expire if I withdraw? Withdrawal can only be made from Labbaik ( ) Account-i when the savings reaches 1,500 and provided that the minimum balance after withdrawal is 1,500. Under such circumstance, your Takaful Protection will still be intact. Jan Feb Mar April May June Savings Withdrawal X X * Takaful Coverage *The amount which can be withdrawn is 102. Subject to a minimum holding amount of 1, Will I get anything upon maturity of the Takaful plan? This plan protects and prepares you in an untimely death or TPD. Upon maturity, any Participant s Accounts (PA) balance and any distribution amount of investment will be payable to you. In addition, the participant will also receive the accumulated amount in his savings account (please refer to PDS of Labbaik Account-i for illustration).

5 7. What happens if death or TPD occurs? a. Death Your next-of-kin will be receiving: i. Balance in the savings account; ii. iii. Funeral expenses of 1,000; and Reducing Sum Covered and Participant s Accounts (PA) balance (if any). Subsequently, Takaful Malaysia will then issue a cheque amounting to 3,000 payable to THTS upon instruction from Bank Islam as to ensure the Badal Haji is performed accordingly (i.e. next available period of Haj as per the Islamic Calendar). b. TPD Upon completion of TPD claims process, you will be receiving: i. Balance in the savings account; ii. Reducing Sum Covered and Participant s Accounts (PA) balance (if any); and iii. For Badal Haji, your physical condition will be assessed accordingly to determine if you could perform the proper Haj process as per Tabung Haji s guidelines. If you are ABLE to perform Haj, we will reimburse the 3,000 into your account. (please refer to the PDS of Labbaik ( ) Account-i for illustration). 8. Would I be able to perform Haj immediately after maturity? Bank Islam would advise prospective pilgrims to plan and register early for their Haj at Lembaga Tabung Haji as the number of Haj places for the year of the Haj is subject to the availability of quota allotted by the Kingdom of Saudi Arabia for that year and with priority to the Tabung Haji depositors who have earlier registered for Haj. 9. Can I cancel the Takaful plan under Labbaik ( ) Account-i? Yes you may cancel and surrender the plan. The balance in your savings account can be taken out and any remaining amount in Participant s Account from your Takaful fund will be payable, subject to 40 surrender charge. 10. How LABBAIK ( ) ACCOUNT-i can assist me on top of my Tabung Haji savings? Labbaik ( ) Account-i is not a replacement for your Tabung Haji savings. It complements your Tabung Haji savings by providing you with additional savings and Takaful Protection. 11. What is the step to be taken if there is a claim to be made on Takaful Coverage? Your next-of-kin needs to notify the nearest Bank Islam branch. 12. How do I open this account? You may contact us at or visit any of our branches nationwide. Important Notes : For further details on the Takaful Protection, please refer to the PDS of Takaful mygroup Badal Haji. A free-look period of 15 days is given to you to review the terms and conditions of this plan upon receipt of the Takaful certificate.

6 This plan is underwritten by: Syarikat Takaful Malaysia Berhad ( K) Tingkat 26, Blok Annex, Menara Takaful Malaysia, No.4, Jalan Sultan Sulaiman, Kuala Lumpur. Peti Surat 11483, Kuala Lumpur. Product by : Bank Islam Malaysia Berhad (No X), Level 32, Menara Bank Islam, No.22, Jalan Perak, Kuala Lumpur. The Bank reserves the right to add, delete, amend or alter any of these Rules and Regulations, including the profit sharing ratio at any time. Such changes shall become effective upon being displayed of such notices in the Bank s premises or by any other mode of communication which the Bank may deem fit.