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1 Education Program Supported By Malaysia Medical Insurance Organization (MMI) easicircle Cloud ConneXion introducing Global Medical Insurance Benefits Summary shared by MMI

2 Global Medical Insurance Benefit Summary 1 Group 1 MY, SG, Brunei, Indonesia (Sum Insured & Annual Premium in USD, Age is Based on Next Birthday Malaysian stay in Malaysia Add on 6% Malaysia GST in USD Package 1 : Aman Critical Illness Top Up (CI) Age CI 5K CI 10K CI 15K CI 20K Package 2 : Aman Critical Illness Top Up (CI) + Personal Accident (PA) Age CI 5K + PA 40K CI 10K + PA 40K CI 15K + PA 40K CI 20K + PA 40K

3 Global Medical Insurance Benefit Summary 2 Group 1 MY, SG, Brunei, Indonesia (Sum Insured & Annual Premium in USD, Age is Based on Next Birthday, Max Age 70 PA USD 30 Malaysian stay in Malaysia Add on 6% Malaysia GST in USD, No GST For TLT Package 3 : Aman Term Life Takaful (TLT) USD Rate, Age 42 & above Based on Yearly Rate Age TLT 25K TLT 50K TLT 75K TLT 100K Package 4 : Aman Term Life Takaful (TLT) + Personal Accident (PA) USD Rate Age TLT 25K + PA 40K TLT 50K + PA 40K TLT 75K + PA 40K TLT 100K + PA 40K

4 Global Medical Insurance Benefit Summary 3 Package 1 : Aman Critical Illness Top Up (CI) Group 1 MY, SG, Brunei, Indonesia (Sum Insured & Annual Premium in USD, Age is Based on Next Birthday ) MYR - USD Example Currency Convert ( Stated on 1 st March 2017 ) Malaysia Ringgit (RM) RM 4.50 USD 1.00 Including 6% GST For Malaysian stay in Malaysia. Age USD 5K RM 22.5K USD 10K RM 45K USD 15K RM 65K USD 20K RM 90K USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM

5 Global Medical Insurance Benefit Summary 4 Package 3.1 : Aman Term Life Takaful (TLT) For MYR / USD Group 1 MY, SG, Brunei, Indonesia (Sum Insured & Annual Premium in USD, Age is Based on Next Birthday ) Term Life are No GST apply for All Country. MYR - USD Example Currency Convert ( Stated on 1 st March 2017 ) Malaysia Ringgit (RM) RM 4.50 USD 1.00 No 6% GST For Malaysian stay in Malaysia and All Others Country Citizens. Age USD 25K RM 112.5K USD 50K RM 225K USD 75K RM 337.5K USD 100K RM 450K USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM USD RM

IDR - USD Example Currency Convert ( Stated on 1 st March 2017 ) Indonesia Rupiahs (IDR) IDR 13,350 USD 1.00 No 6% GST For Malaysian stay in Malaysia and All Others Country Citizens.

6 Global Medical Insurance Benefit Summary 5 Package 3.2: Aman Term Life Takaful (TLT) For IDR / USD Group 1 MY, SG, Brunei, Indonesia (Sum Insured & Annual Premium in USD, Age is Based on Next Birthday ) Term Life are No GST apply for All Country. IDR - USD Example Currency Convert ( Stated on 1 st March 2017 ) Indonesia Rupiahs (IDR) IDR 13,350 USD 1.00 No 6% GST For Malaysian stay in Malaysia and All Others Country Citizens.. Age USD 25K 333,750K USD 50K 667,500K USD 75K 1,001,250K USD 100K 1,335,000K USD ,001,250 USD ,002,500 USD ,003,750 USD ,005, USD ,500 USD ,335,000 USD ,002,500 USD ,670, USD ,001,250 USD ,002,500 USD ,003,750 USD ,005, USD ,668,750 USD ,337,500 USD ,006,250 USD ,675, USD ,337,500 USD ,675,000 USD ,012,500 USD ,350, USD ,676,250 USD ,352,500 USD ,028,750 USD ,705, USD ,681,250 USD ,362,500 USD ,043,750 USD ,725,000

7 Strategic International Insurer Global Market Insurance Program Archipelago Life Insurance Limited also offers peace of mind, thanks to its backing by the world s fifth largest reinsurer, with a rating of A+ given by Standard & Poor s and with 5billion in shareholder equity. Archipelago Life Insurance Limited Archipelago Life Insurance Limited is licensed under the Labuan Financial Services and Securities Act 2010 to carry on business as a Labuan life insurer. It operates within the strong Labuan IBFC regulated environment and is also a member of the Labuan International Insurance Association (LIIA). With its co-located office in Kuala Lumpur, it aims to penetrate the Asia Pacific region with its innovative suite of products targeted towards the high net worth individuals and multinational corporations. Archipelago Life Insurance is licensed to underwrite all lines of life insurance including captives and reinsurance. By working closely with licensed insurance brokers, we are dedicated to delivering exceptional service to their corporate clients. Our strength lies in being able to provide customized insurance solutions to meet each unique client needs. Archipelago Life Insurance is an operating company and the life insurance arm of the Archipelago Group of Companies. Through its three operating entities licensed by Labuan FSA, the Group adopts a comprehensive and multifaceted approach to developing products and services encompassing general insurance, life insurance, protected cell captives and captive management services.

8 Strategic International Insurer Global Market Insurance Program Asia Specialty Insurance Ltd (ASIL) was established in Labuan in 2012 with a paid up capital of USD 3,356,994 and which will be increased to USD 50,000,000. With the intention to increase the capitalization significantly, the company is attempting to get an international credit rating from a reputable rating agency, AM Best. Asia Specialty Insurance Ltd is a newly incorporated general insurance company with its headquarters in Labuan FT, Malaysia. Asia Specialty Insurance Ltd is emphasizing its insurance business on Aviation and Marine insurance in the South East Asia region. The company writes mostly short-tail facultative business in the Far East with the initial focus on South East Asia. ASIL intends to be a niche player, with the strategic positioning of being a flexible and innovative underwriter complementing the existing significant list of international and national reinsurers in the region. The company would be underwriting-focused, and wish to establish itself as a reputable reinsurer in the region which offers good service including that of claims. The company would rely on its network of regional brokers and strategic alliances to develop its business.

9 Global Medical Insurance Benefits Aman CI Top Up Aman CI Top Up Underwritten by Archipelago Life Insurance Limited Underwritten by Archipelago Life Insurance Limited, specially designed to sit on top of your existing Critical Illness Takaful or Insurance Plans. This certificate is a yearly renewable term Certificate, for individuals between 19 to 70 years old. Aman Critical Illness (CI) Top-Up offers high protection at affordable Contributions and this is how you can maximize your coverage without spending too much. There are 4 options of Sum Covered that you can choose from to top-up your Critical Illness cover, namely USD 5,000,USD 10,000, USD 15,000 and USD 20,000.

10 Global Medical Insurance Benefits Aman Term Takaful Aman Term Takaful Underwritten by Archipelago Life Insurance Limited, specially designed for individual involved in non-hazardous occupation, this certificate offers yearly Takaful coverage for death due to all causes. To qualify, you must be between 19 to 70 years old on your next birthday. Underwritten by Archipelago Life Insurance Limited There are 4 options of Sum Covered that you can choose from to suit your own risk profile, namely USD 25,000, USD 50,000, USD 75,000 and USD 100,000 in the event of death due to all causes. This plan is specially designed to mitigate risk associated with working outdoors, safeguard your family s financial future and ensuring your family has one less thing to worry about when the time comes.

11 Global Medical Insurance Benefits Golden Sunshine Travel Insurance 1.1 TRAVEL INSURANCE - Golden Sunshine USD 50 per year only for a protection of up to USD 50,000 Golden Sunshine is a comprehensive and affordable travel coverage underwritten by Asia Specialty Insurance Limited. This plan is specially designed the ways travellers want - cover the unexpected when travel. Underwritten by Asia Specialty Insurance Limited When you travel domestically or internationally whether for business or leisure, the last thing you want is some unfortunate event occurring in the course of your travels that could ruin everything. That s why it is wise to be prepared for anything including having someone to count on when the going gets tough. That s why travel insurance is absolutely necessary. We can give you a comprehensive protection, so that you are well taken care of even when you are miles away from home.

12 Global Medical Insurance Benefits Golden Sunshine Travel Insurance 1.2 Golden Sunshine is a comprehensive and affordable travel coverage underwritten by Asia Specialty Insurance Limited. This plan is specially designed the ways travellers want - cover the unexpected when travel. Golden Sunshine offers you: Pays a cash sum up to USD 50,000 in the event of accidental death; Pays a cash sum up to USD 50,000 in the event of total permanent disablement due to accident; Medical Benefits for Overseas Travels Covers medical expenses due to accidental or sickness up to USD 15,000. Cover emergency evacuation in the event of accidental injury or death up to USD 25,000. Cover mortal remains repatriation in the event of accidental injury or death up to USD 12,500. Compassionate care up to USD 1,500. Travel inconvenience benefits Trip cancellation (reimburse up to maximum of USD 500 for cost of flight due to the hospitalization for serious illness or accidental bodily injuries or death of the Insured Person and the Insured Person s immediate family member). Trip curtailment (reimburse up to maximum of USD 250 for returning flight when the Insured Person needs to curtail the trip due to hospitalization for accidental bodily injuries or death or illness of the insured person and the Insured Person s immediate family member). Flight delay (reimburse up to maximum of USD 500 in the event the scheduled flight in which the Insured Person is booked to travel is delayed for at least 6 consecutive hours. The reimbursement amount shall be USD 50 for the first 6 hours consecutive delay and additional USD 50 for every 6 hours consecutive delay). Luggage delay (reimburse up to maximum of USD 100 If the Insured Person s luggage is delayed for at least six (6) hours form the actual time of arrival at scheduled destination outside the Insured Person s home country during the Journey). Not applicable to the Insured Person s return journey. Loss of travel documents (pay up to maximum of USD 250 for travel and accommodation expenses including cost of obtaining replacement passports, travel tickets and other relevant travel documents). Luggage damage/ loss (compensates up to maximum of USD 500 for loss or damage to the Insured Person s personal luggage and/or personal effects during the Journey, maximum limit USD 100 /item).

13 Global Medical Insurance Benefits Golden Protection PA 1.1 Golden Protection PA» You pay USD 30 or equivalent per year for the policy, and you will gain : Underwritten by Asia Specialty Insurance Limited USD 40,000 in the event of accidental death Up to USD 40,000 in the event of permanent disability due to accident Up to USD 800 for the funeral expenses due to accident Up to USD 2,000 for repatriation expenses due to accident» specially designed for individuals aged between 19 to 70 on their next birthday and not travel with motorcycles while on duty Annual Premium USD or RM ( Updated 1 st March 2017) If Malaysian Including MY GST 6%

14 Global Medical Insurance Benefits Golden Protection PA 1.2 For Training Purpose as Example Country Currency Rate (updated 1 March 2017) Golden Protection 30 Personal Accident (PA) USD 40, USD Easi points (ECP) Country Sum Insured Annual Premium Currency Rate USD 1 Malaysia (MYR) RM 181 K ++ RM (incl 6% GST) 4.45 (MYR) Indonesia (IDR) IDR 544,680K ++ (544 Juta ++) IDR 400, (IDR) China (CNY) CNY 280K ++ CNY (CNY) India (INR) INR 2725K ++ INR (INR) Singapore (SGD) SGD 57K ++ SGD (SGD) Thailand (THB) THB 1400K ++ THB (THB) Philippines (PHP) PHP 2060K ++ PHP (PHP) Vietnam (VND) VND 930,240K++ VND 684, (VND) Myanmar (MMK) MMK 56,300K ++ MMK 41, (MMK) Cambodia (KHR) KHR 167,280K ++ KHR 123, (KHR) Bangladesh (BDT) BDT 3,264K ++ BDT (BDT) 1 ECP = USD 1.

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Education Program Supported By Malaysia Medical Insurance Organization (MMI) easicircle Cloud ConneXion www.easicirle.com introducing easicircle Group of Companies since year 1996 The above information