TAKAFUL LIL-ISTITHMAR. An Investment Linked Takaful

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1 TAKAFUL LIL-ISTITHMAR An Investment Linked Takaful

2 Contents 4 Peace of Mind 5 Islamic Ethics 6 Takaful Protection 7 International Investment 8 The Portfolios 9 The Specialists 10 More Benefits 11 Product Guide 12 Type of Fees 13 Our Strength and Track Record 14 Contact Us

3 4 Peace of Mind In search of a solution to secure and enhance your financial well being, giving you peace of mind and to enjoy God's bounties Takaful Lil-Istithmar is the answer. A truly Islamic Takaful-linked investment product presented to you by Asean Retakaful International (L) Ltd. (ARIL), from the international offshore financial center (I.O.F.C.) of Labuan, Malaysia.

5 Islamic Ethics Takaful Lil-Istithmar is the

investment product proudly launched in the I.O.

Investing only in international Islamic funds

Supervisory Council, Takaful Lil-Istithmar

invested in accordance with the rules and

4 5 Islamic Ethics Takaful Lil-Istithmar is the first Shariah compliant takaful-linked investment product proudly launched in the I.O.F.C. of Labuan. Investing only in international Islamic funds that are approved by ARIL's Religious Supervisory Council, Takaful Lil-Istithmar assures that your hard earned money is being invested in accordance with the rules and practices of Shariah. You can invest with ease in Takaful Lil-Istihmar as it is administered by a team of dedicated professionals with state-of-the art facility to meet your individual needs efficiently.

6 Takaful Protection Putting your money to work for

you and your loved ones is also one of our

In the event of death of the person covered under

equivalent to 101 % of the value of the fund at the

(administrator) who will be responsible to

accordance with the Islamic inheritance law

5 6 Takaful Protection Putting your money to work for you while giving an extra layer of protection to you and your loved ones is also one of our objectives. This is provided by way of takaful. In the event of death of the person covered under your Takaful Lil-Istithmar, a Takaful benefit equivalent to 101 % of the value of the fund at the time of death will be payable to the appointed Wasi (administrator) who will be responsible to distribute the proceeds of the takaful benefit in accordance with the Islamic inheritance law (Faraid). For non-muslim, the same Takaful benefit will be paid to the named beneficiaries.

world. No complicated paper work, no hassle of monitoring funds from different sources, no unnecessary charges for constant buying and selling of funds.

6 7 International Investment Another unique advantage of Takaful Lil-Istithmar is the access to the international market. You can reduce your investment risk by diversifying your money to a wide variety of funds denominated in different currencies and in different parts of the world. No complicated paper work, no hassle of monitoring funds from different sources, no unnecessary charges for constant buying and selling of funds. All this can be achieved easily by choosing a portfolio within Takaful Lil-Istithmar. Just let the specialists do the work for you. You will be kept updated on your investment through yearly report or upon request.

8 the Portfolios For the ease of your financial management, Takaful Lil-Istithmar currently offers you three portfolios with different risk return profiles to suit your investment strategy.

It rewards investors with a reasonable rate of return on income to realise capital growth in the long term.

7 8 the Portfolios For the ease of your financial management, Takaful Lil-Istithmar currently offers you three portfolios with different risk return profiles to suit your investment strategy. Istithmar Bil-'Awaid Al-Thaabitah An income portfolio that best suits the conservative investors, featuring lower risk and lower return. It rewards investors with a reasonable rate of return on income to realise capital growth in the long term. Istithmar Bil-'Awaid Al-Mutawassitah A balance portfolio that gives the average investors a medium risk and medium return profile. Investors are rewarded with a consistent and reasonable level of income with capital growth over medium and long term. Istithmar Bil-'Awaid Al-Mustafi'ah A growth portfolio for investors who are willing to take higher risk for a higher return. It maximises the total return and capital appreciation over medium and long term.

(BILL) Fund Managers The portfolios are managed on an ongoing basis by investment

8 9 the Specialists Product Underwriter and Administrator Asean Retakaful International (L) Ltd. (ARIL) Fund Advisor Bank Islam (L) Ltd. (BILL) Fund Managers The portfolios are managed on an ongoing basis by investment specialist institutions having particular expertise in their respective fields and are monitored on a regular basis.

9 10 More Benefits Liquidity You are free to withdraw partially at anytime by giving 30 days notice as long as your fund's balance remaining in your Takaful Lil-Istithmar is not lower than USD 15,000. You may also surrender your Takaful Lil-Istithmar at anytime by giving 30 days notice. Your Takaful Lil-Istithmar Certificate may also be used as a collateral if agreed by banks. Flexibility You have the choice to simply switch between portfolios easily at no extra charge. Tax Advantage Takaful Lil-Istithmar is a product from Labuan I.O.F.C. and are therefore exempted from income tax as well as capital gains tax. There may be more tax advantages for you depending on your country of residence Confidentiality Your investment also enjoys the highest level of confidentiality as prescribed by the laws of Labuan I.O.F.C.

10 11 Takaful Lil-Istithmar -Product Guide- Minimum Takaful Payment : US 20,000 - or equivalent in other currencies Top Up : US 10,000 - or equivalent in other currencies Investment Margin : 94% Term of Participation : Until age 80 years. Minimum age at entry : 2 years Maximum age at entry : 78 years Takaful sum covered : 101 % of Fund Value Scope of cover : Death Eligibility : Open to all nationalities Applicable Laws : This product is subject to applicable laws of Labuan, Malaysia. Note : For Muslims, the obligatory tithe (Zakat) may be payable under this Takaful Certificate. Kindly contact your relevant Zakat authorities for details.

11 12 Type of Fees Establishment Fee : 6% of initial or additional investment payment Management Fee : % of fund value per month Managed Portfolio Fee : % of fund value per month Switching Fee : No charges from ARIL. Other Fee : Banks may charge handling fees directly to you.

BIMB Holdings has been in the forefront as the major provider of Islamic financial services in this region, offering a myriad range of innovative Islamic products and services

12 13 Our Strength and Track Record Asean Retakaful International (L) Ltd. and Bank Islam (L) Ltd. are members of BIMB Holdings Bhd (Bank Islam Malaysia Berhad Group of Companies). BIMB Holdings has been in the forefront as the major provider of Islamic financial services in this region, offering a myriad range of innovative Islamic products and services such as Islamic banking and finance, Islamic stock broking, Islamic fund management, takaful, retakaful and training services. Our strong commitment, wide experience and above all with foundation firmly established, coupled with our deep understanding of Islamic financial services will provide a valuable support in realising your financial goals.

14 Contact Us You may contact us Asean Retakaful International (L) Ltd, Level 14, Block 4, Financial Park Complex, Jalan Merdeka, 87000 F.T. Labuan, Malaysia.

13 14 Contact Us You may contact us Asean Retakaful International (L) Ltd, Level 14, Block 4, Financial Park Complex, Jalan Merdeka, F.T. Labuan, Malaysia. Telephone : / 2 Facsimile : istithmar@aseanretakaful.com or visit our website at Asean Retakaful International (L) Ltd, Level 14, Block 4, Financial Park Complex, Jalan Merdeka, F.T. Labuan, Malaysia. / This brochure is only a guide. The precise terms and conditions are available in the Takaful Certificate.

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