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COMMERCE TAKAFUL BERHAD (689263-M) Suite 3A-10, Level 10 Block 3A, Plaza Sentral, Jln Stesen Sentral 5 KL Sentral, 50470 Kuala Lumpur Tel : +603-2264 0505, Fax: +603-2264 0555 Quotation Numbers : XXXXX : CIMB BANK : Ridzuan Bin Ibrahim Azmi : Male : No : 27/Jul/1962 Age Nearest Birthday : 44 (Hari / Bulan / Tahun) (Umur Terhampir) Financing Amount : RM 32,000.00 Repayment Period : 3 (Jumlah Pinjaman) (Tempoh Pembayaran) Profit Rate (%) : 4.75% (Kadar Keuntungan) Calculation date (Tarikh Pengiraan) : 29/Dec/2006 Health Extra Rate : 0% (Hari / Bulan / Tahun) (Kadar Kesihatan Tambahan) Contribution Not Incorporated (Sumbangan Tidak Dibiayai) RM 32,000.00 Single Contribution RM 167.00 Contribution Not Incorporated (Sumbangan Tidak Dibiayai) 1 RM 23,163.66 44 2 RM 12,579.16 45 3 RM 1,008.71 46 Notes (Nota) 1) This is an illustration and not a contract . The complete terms and conditions are contained in the Group Master Contract (Ini adalah illustrasi jualan dan bukan suatu kontrak. Syarat-syarat dan terma-terma yang lengkap terdapat di dalam Kontrak Induk berkumpulan) 2) The Takaful Benefit Schedule is based on the Takaful amount as at the beginning of the final month of each year. Any benefit payable will follow the amount applicable as at the month of death and TPD (Jadual Faedah Takaful adalah berdasarkan kepada jumlah Takaful terkumpul sehingga awal bulan terakhir setiap tahun. Sebarang pembayaran faedah adalah menurut jumlah takaful ) yang terkumpul pada bulan berlakunya kematian atau TPD 3) The illustration above assumes that the proposed participant has no medical /health impairments , occupational risk or habits that may require additional loading on the contribution Illustrasi di atas mengandaikan peserta yang dicadangkan tiada sebarang kecacatan kesihatan/perubatan,risiko pekerja atau tabiat yang memerlukan sebarang tambahan ke atas sumbangan) 4) The final contribution shall be confirmed by Commerce Takaful Berhad. Coverage is only effective on the data the contribution is received provided that the application has been approved by Commerce Takaful berhad (Sumbangan muktamad akan disahkan oleh Commerce Takaful Berhad dan hanya akan berkuatkuasa pada tarikh sumbangan di terima dengan syarat cadangan telah diluluskan oleh Commerce Takaful berhad Quotation For Commerce Takaful Hire Purchase / (Sebutharga Untuk Sewa Beli Commerce Takaful) Finacial Institution (Institusi Kewangan Name (Name) Gender (Jantina) Discount (Diskaun) Date of Birth (Tarikh Lahir) Sum Covered (Jumlah Perlindungan) Year (Tahun) Sum Covered (Jumlah Perlindungan) Age (Umur)

HPRTT Commerce Takaful Sales Illustration

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HPRTT Commerce Takaful Sales Illustration

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Factorsi =3.50%Flat Extra090%v =0.9661840.0TPD Load10%List of Banksres(t)RatioFin-Ratioxqx"0.0x%MEMaleFemaleAgeNearest bday (M)Nearest bday (F)MaleFemale100% M8388100.0009450.0009450.0009450.00094510.00094500.00094500.00094500.00094500.00105000.00105Commerce Tijari2250.0009450.0009450.0009450.00094520.00094500.00094500.00094500.00094500.00105000.00105BCB3500.0009450.0009450.0009450.00094530.00094500.00094500.00094500.00094500.00105000.00105Commerce Takaful4750.0009450.0009450.0009450.00094540.00094500.00094500.00094500.00094500.00105000.00105Commerce Life51000.0009450.0009450.0009450.00094550.00094500.00094500.00094500.00094500.00105000.00105Others61250.0009450.0009450.0009450.00094560.00094500.00094500.00094500.00094500.00105000.00105Maybank70.0009450.0009450.0009450.00094570.00094500.00094500.00094500.00094500.00105000.00105RHB80.0009450.0009450.0009450.00094580.00094500.00094500.00094500.00094500.00105000.00105Public Bank90.0009450.0009450.0009450.00094590.00094500.00094500.00094500.00094500.00105000.00105Citibank100.0009450.0009450.0009450.000945100.00094500.00094500.00094500.00094500.00105000.00105Standard Chartered110.0009360.0009360.0009450.0009450.0000788110.00093600.00094500.00093600.00094500.00104000.00104OCBC120.0008640.0008640.0009450.0009450.0000788120.00086400.00094500.00086400.00094500.00096000.00096AM Bank130.0008190.0008190.0009450.0009450.0000788130.00081900.00094500.00081900.00094500.00091000.00091140.0008010.0008010.0009450.0009450.0000788140.00080100.00094500.00080100.00094500.00089000.00089150.0008010.0008010.0009360.0009360.0000780150.00080100.00093600.00080100.00093600.00089000.00089160.0008280.0008280.0008640.0008640.0000720160.00082800.00086400.00082800.00086400.00092000.00092170.0009600.0009600.0009010.0009010.0000751170.00087300.00081900.00096030.00090090.00097000.00097180.0010400.0010400.0008810.0008810.0000735180.00094500.00080100.00103950.00088110.00105000.00105190.0011480.0011480.0008810.0008810.0000735190.00104400.00080100.00114840.00088110.00116000.00116200.0012770.0012770.0009110.0009110.0000759200.00116100.00082800.00127710.00091080.00129000.00129210.0014360.0014360.0009600.0009600.0000801210.00130500.00087300.00143550.00096030.00145000.00145220.0015440.0015440.0010400.0010400.0000867220.00140400.00094500.00154440.00103950.00156000.00156230.0015150.0015150.0011480.0011480.0000958230.00137700.00104400.00151470.00114840.00153000.00153240.0014360.0014360.0012770.0012770.0001065240.00130500.00116100.00143550.00127710.00145000.00145250.0013460.0013460.0014360.0014360.0001197250.00122400.00130500.00134640.00143550.00136000.00136260.0012670.0012670.0015440.0015440.0001288260.00115200.00140400.00126720.00154440.00128000.00128270.0011980.0011980.0015150.0015150.0001263270.00108900.00137700.00119790.00151470.00121000.00121280.0011290.0011290.0014360.0014360.0001197280.00102600.00130500.00112860.00143550.00114000.00114290.0010590.0010590.0013460.0013460.0001123290.00096300.00122400.00105930.00134640.00107000.00107300.0010000.0010000.0012670.0012670.0001057300.00090900.00115200.00099990.00126720.00101000.00101310.0009600.0009600.0011980.0011980.0000999310.00087300.00108900.00096030.00119790.00097000.00097320.0009600.0009600.0011290.0011290.0000941320.00087300.00102600.00096030.00112860.00097000.00097330.0009900.0009900.0010590.0010590.0000883330.00090000.00096300.00099000.00105930.00100000.001340.0010400.0010400.0010000.0010000.0000834340.00094500.00090900.00103950.00099990.00105000.00105350.0010990.0010990.0009600.0009600.0000801350.00099900.00087300.00109890.00096030.00111000.00111360.0011880.0011880.0009600.000960360.00108000.00087300.00118800.00096030.00120000.0012370.0012770.0012770.0009900.000990370.00116100.00090000.00127710.00099000.00129000.00129380.0013760.0013760.0010400.001040380.00125100.00094500.00137610.00103950.00139000.00139390.0014850.0014850.0010990.001099390.00135000.00099900.00148500.00109890.00150000.0015400.0016240.0016240.0011880.001188400.00147600.00108000.00162360.00118800.00164000.00164410.0017920.0017920.0012770.001277410.00162900.00116100.00179190.00127710.00181000.00181420.0020000.0020000.0013760.001376420.00181800.00125100.00199980.00137610.00202000.00202430.0022470.0022470.0014850.001485430.00204300.00135000.00224730.00148500.00227000.00227440.0025340.0025340.0016240.001624440.00230400.00147600.00253440.00162360.00256000.00256450.0028410.0028410.0017920.001792450.00258300.00162900.00284130.00179190.00287000.00287460.0031880.0031880.0020000.002000460.00289800.00181800.00318780.00199980.00322000.00322470.0035740.0035740.0022470.002247470.00324900.00204300.00357390.00224730.00361000.00361480.0039800.0039800.0025340.002534480.00361800.00230400.00397980.00253440.00402000.00402490.0044150.0044150.0028410.002841490.00401400.00258300.00441540.00284130.00446000.00446500.0049010.0049010.0031880.003188500.00445500.00289800.00490050.00318780.00495000.00495510.0054350.0054350.0035740.003574510.00494100.00324900.00543510.00357390.00549000.00549520.0060290.0060290.0039800.003980520.00548100.00361800.00602910.00397980.00609000.00609530.0066920.0066920.0044150.004415530.00608400.00401400.00669240.00441540.00676000.00676540.0073950.0073950.0049010.004901540.00672300.00445500.00739530.00490050.00747000.00747550.0081480.0081480.0054350.005435550.00740700.00494100.00814770.00543510.00823000.00823560.0089200.0089200.0060290.006029560.00810900.00548100.00891990.00602910.00901000.00901570.0096820.0096820.0066920.006692570.00880200.00608400.00968220.00669240.00978000.00978580.0103950.0103950.0073950.007395580.00945000.00672300.01039500.00739530.01050000.0105590.0111180.0111180.0081480.008148590.01010700.00740700.01111770.00814770.01123000.01123600.0119390.0119390.0089200.008920600.01085400.00810900.01193940.00891990.01206000.01206610.0129490.0129490.0096820.009682610.01177200.00880200.01294920.00968220.01308000.01308620.0142070.0142070.0103950.010395620.01291500.00945000.01420650.01039500.01435000.01435630.0156220.0156220.0111180.011118630.01420200.01010700.01562220.01111770.01578000.01578640.0172160.0172160.0119390.011939640.01565100.01085400.01721610.01193940.01739000.01739650.0189980.0189980.0129490.012949650.01727100.01177200.01899810.01294920.01919000.01919660.0190710.0190710.0129150.012915660.01907100.01291500.01907100.01291500.02119000.02119670.0210510.0210510.0142020.014202670.02105100.01420200.02105100.01420200.02339000.02339680.0231750.0231750.0156510.015651680.02317500.01565100.02317500.01565100.02575000.02575690.0254610.0254610.0172710.017271690.02546100.01727100.02546100.01727100.02829000.02829700.0279810.0279810.0190710.019071700.02798100.01907100.02798100.01907100.03109000.03109710.0307710.0307710.0210510.021051710.03077100.02105100.03077100.02105100.03419000.03419720.0338760.0338760.0231750.023175720.03387600.02317500.03387600.02317500.03764000.03764730.0371970.0371970.0254610.025461730.03719700.02546100.03719700.02546100.04133000.04133740.0407790.0407790.0279810.027981740.04077900.02798100.04077900.02798100.04531000.04531750.0446850.0446850.0307710.030771750.04468500.03077100.04468500.03077100.04965000.04965760.0489780.0489780.0338760.033876760.04897800.03387600.04897800.03387600.05442000.05442770.0536940.0536940.0371970.037197770.05369400.03719700.05369400.03719700.05966000.05966780.0587430.0587430.0407790.040779780.05874300.04077900.05874300.04077900.06527000.06527790.0641610.0641610.0446850.044685790.06416100.04468500.06416100.04468500.07129000.07129800.0699930.0699930.0489780.048978800.06999300.04897800.06999300.04897800.07777000.07777810.0762930.0762930.0536940.053694810.07629300.05369400.07629300.05369400.08477000.08477820.0830970.0830970.0587430.058743820.08309700.05874300.08309700.05874300.09233000.09233830.0903690.0903690.0641610.064161830.09036900.06416100.09036900.06416100.10041000.10041840.0981000.0981000.0699930.069993840.09810000.06999300.09810000.06999300.10900000.109850.1062900.1062900.0762930.076293850.10629000.07629300.10629000.07629300.11810000.1181860.1149480.1149480.0830970.083097860.11494800.08309700.11494800.08309700.12772000.12772870.1240920.1240920.0903690.090369870.12409200.09036900.12409200.09036900.13788000.13788880.1337670.1337670.0981000.098100880.13376700.09810000.13376700.09810000.14863000.14863890.1439280.1439280.1062900.106290890.14392800.10629000.14392800.10629000.15992000.15992900.1544850.1544850.1149480.114948900.15448500.11494800.15448500.11494800.17165000.17165910.1653570.1653570.1240920.124092910.16535700.12409200.16535700.12409200.18373000.18373920.1765170.1765170.1337670.133767920.17651700.13376700.17651700.13376700.19613000.19613930.1881360.1881360.1439280.143928930.18813600.14392800.18813600.14392800.20904000.20904940.2001240.2001240.1544850.154485940.20012400.15448500.20012400.15448500.22236000.22236950.2122920.2122920.1653570.165357950.21229200.16535700.21229200.16535700.23588000.23588960.2244870.2244870.1765170.176517960.22448700.17651700.22448700.17651700.24943000.24943970.2363850.2363850.1881360.188136970.23638500.18813600.23638500.18813600.26265000.26265980.2474100.2474100.2001240.200124980.24741000.20012400.24741000.20012400.27490000.2749990.2583270.2583270.2122920.212292990.25832700.21229200.25832700.21229200.28703000.287031000.9000000.9000000.2244870.2244871000.90000000.22448700.90000000.22448701.00000001101102103104105106107108109110111112

(Warning!!!)Do not enter anything in this cell!Thank you...(Warning!!!)Do not enter anything in this cell!Thank you...Eric Tham:

Age NearestEric Tham:

qxmaleEric Tham:

qxfemale

QuotationCOMMERCE TAKAFUL BERHAD (689263-M)Suite 3A-10, Level 10Block 3A, Plaza Sentral, Jln Stesen Sentral 5KL Sentral, 50470 Kuala LumpurTel : +603-2264 0505, Fax: +603-2264 0555Quotation Numbers :XXXXXQuotation For Commerce Takaful Hire Purchase / (Sebutharga Untuk Sewa Beli Commerce Takaful)Finacial Institution (Institusi Kewangan):CIMB BANKName (Name):Ridzuan Bin Ibrahim AzmiGender (Jantina):MaleDiscount (Diskaun):NoDate of Birth (Tarikh Lahir):27/Jul/1962Day / Month / YearAge Nearest Birthday:440(Hari / Bulan / Tahun)(Umur Terhampir)44.0Financing Amount:RM 32,000.00Repayment Period:3(Jumlah Pinjaman)(Tempoh Pembayaran)Profit Rate (%):4.75%(Kadar Keuntungan)Calculation date (Tarikh Pengiraan):29/Dec/2006Day / Month / YearHealth Extra Rate:0%(Hari / Bulan / Tahun)(Kadar Kesihatan Tambahan)Contribution Not Incorporated(Sumbangan Tidak Dibiayai)Sum Covered (Jumlah Perlindungan)RM 32,000.00Single ContributionRM 167.00Contribution Not Incorporated(Sumbangan Tidak Dibiayai)Year (Tahun)Sum Covered (Jumlah Perlindungan)Age (Umur)1RM23,163.66442RM12,579.16453RM1,008.714600.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.0000.00Notes (Nota)1)This is an illustration and not a contract . The complete terms and conditions are contained in the Group Master Contract(Ini adalah illustrasi jualan dan bukan suatu kontrak. Syarat-syarat dan terma-terma yang lengkap terdapat di dalam Kontrak Induk berkumpulan)2)The Takaful Benefit Schedule is based on the Takaful amount as at the beginning of the final month of each year.Any benefit payable will follow the amount applicable as at the month of death and TPD(Jadual Faedah Takaful adalah berdasarkan kepada jumlah Takaful terkumpul sehingga awal bulan terakhir setiap tahun. Sebarang pembayaran faedah adalah menurut jumlah takaful )yang terkumpul pada bulan berlakunya kematian atau TPD3)The illustration above assumes that the proposed participant has no medical /health impairments , occupational risk or habits that mayrequire additional loading on the contributionIllustrasi di atas mengandaikan peserta yang dicadangkan tiada sebarang kecacatan kesihatan/perubatan,risiko pekerja atau tabiat yang memerlukan sebarang tambahan ke atas sumbangan)4)The final contribution shall be confirmed by Commerce Takaful Berhad. Coverage is only effective on the data the contribution is receivedprovided that the application has been approved by Commerce Takaful berhad(Sumbangan muktamad akan disahkan oleh Commerce Takaful Berhad dan hanya akan berkuatkuasa pada tarikh sumbangan di terima dengan syarat cadangan telah diluluskan oleh Commerce Takaful berhad

CalcMRTA CalculationContribution CalculationInitial Loan32,000.00StandardRounded StandardFinance Rate4.75%99.61%Single Contribution167.02Contribution*167.00FromToFactorTerm3Health Extra0%Factor 193040Deferment0Medical Loading0.00Round Contribution167.005545Entry Age44Medical Cost175.47Discount Rate0.00%559910GenderMTotal Contribution167.02Round Loading0.00Mort Interest4.50%Finance167.90Total Contribution167.00Loading20.00%Finance Factor167.88Finance Contr168.00MonthFactorv(t)q(x)Sub MultRisk SingleFactor2PRFinance Loading0.0011.000000.996340.000210.000210.000211.0000000.1425Total Contribution168.0020.974100.992690.000210.000200.000210.975970.03173611110.134797297330.948100.989060.000210.000200.000200.951720.06347222220.1273085586Error Checking040.921990.985430.000210.000190.000200.927260.09520833330.120033783850.895780.981830.000210.000190.000190.902580.12694444440.11297297360.869470.978230.000210.000180.000190.877690.15868055560.106126126170.843050.974650.000210.000180.000180.852590.19041666670.099493243280.816530.971080.000210.000170.000170.827270.22215277780.093074324390.789900.967530.000210.000160.000170.801740.25388888890.0868693694100.763170.963980.000210.000160.000160.776000.2856250.0808783784110.736330.960450.000210.000150.000160.750040.31736111110.0751013514120.709390.956940.000210.000150.000150.723860.34909722220.069538288323163.6636636637130.682340.953430.000240.000160.000170.697480.38083333330.064189189222319.2792792793140.655180.949940.000240.000150.000160.670880.41256944440.059054054121468.048048048150.627910.946470.000240.000140.000150.644060.44430555560.054132882920609.96996997160.600540.943000.000240.000140.000150.617030.47604166670.049425675719745.045045045170.573060.939550.000240.000130.000140.589790.50777777780.044932432418873.2732732733180.545470.936110.000240.000120.000130.562330.53951388890.040653153217994.6546546547190.517770.932680.000240.000120.000130.534660.571250.036587837817109.1891891892200.489960.929260.000240.000110.000120.506780.60298611110.032736486516216.8768768769210.462040.925860.000240.000110.000110.478680.63472222220.029099099115317.7177177177220.434010.922470.000240.000100.000110.450370.66645833330.025675675714411.7117117117230.405870.919100.000240.000090.000100.421840.69819444440.022466216213498.8588588589240.377620.915730.000240.000090.000090.393100.72993055560.019470720712579.1591591592250.349250.912380.000270.000090.000100.364140.76166666670.016689189211652.6126126126260.320780.909040.000270.000080.000090.334980.79340277780.014121621610719.2192192192270.292190.905710.000270.000070.000080.305590.82513888890.0117680189778.978978979280.263490.902390.000270.000070.000070.276000.8568750.00962837848831.8918918919290.234670.899090.000270.000060.000070.246190.88861111110.00770270277877.957957958300.205740.895800.000270.000050.000060.216160.92034722220.0059909916917.1771771772310.176700.892520.000270.000040.000050.185920.95208333330.00449324325949.5495495496320.147540.889250.000270.000040.000040.155470.98381944440.00320945954975.0750750751330.118260.885990.000270.000030.000030.124801.01555555560.00213963963993.7537537538340.088870.882750.000270.000020.000020.093921.04729166670.00128378383005.5855855856350.059360.879520.000270.000010.000020.062831.07902777780.00064189192010.5705705706360.029740.876300.000270.000010.000010.031521.11076388890.0002139641008.7087087087370.000000.873090.000300.000000.000000.000001.142500380.000000.869890.000300.000000.000000.000001.17423611110390.000000.866710.000300.000000.000000.000001.20597222220.000213964400.000000.863530.000300.000000.000000.000001.23770833330.0006418919410.000000.860370.000300.000000.000000.000001.26944444440.0012837838420.000000.857220.000300.000000.000000.000001.30118055560.0021396396430.000000.854080.000300.000000.000000.000001.33291666670.0032094595440.000000.850960.000300.000000.000000.000001.36465277780.0044932432450.000000.847840.000300.000000.000000.000001.39638888890.005990991460.000000.844740.000300.000000.000000.000001.4281250.0077027027470.000000.841640.000300.000000.000000.000001.45986111110.0096283784480.000000.838560.000300.000000.000000.000001.49159722220.011768018490.000000.835490.000330.000000.000000.000001.52333333330.0141216216500.000000.832430.000330.000000.000000.000001.55506944440.0166891892510.000000.829380.000330.000000.000000.000001.58680555560.0194707207520.000000.826350.000330.000000.000000.000001.61854166670.0224662162530.000000.823320.000330.000000.000000.000001.65027777780.0256756757540.000000.820310.000330.000000.000000.000001.68201388890.0290990991550.000000.817300.000330.000000.000000.000001.713750.0327364865560.000000.814310.000330.000000.000000.000001.74548611110.0365878378570.000000.811330.000330.000000.000000.000001.77722222220.0406531532580.000000.808360.000330.000000.000000.000001.80895833330.0449324324590.000000.805400.000330.000000.000000.000001.84069444440.0494256757600.000000.802450.000330.000000.000000.000001.87243055560.0541328829610.000000.799510.000370.000000.000000.000001.90416666670.0590540541620.000000.796590.000370.000000.000000.000001.93590277780.0641891892630.000000.793670.000370.000000.000000.000001.96763888890.0695382883640.000000.790760.000370.000000.000000.000001.9993750.0751013514650.000000.787870.000370.000000.000000.000002.03111111110.0808783784660.000000.784980.000370.000000.000000.000002.06284722220.0868693694670.000000.782110.000370.000000.000000.000002.09458333330.0930743243680.000000.779250.000370.000000.000000.000002.12631944440.0994932432690.000000.776390.000370.000000.000000.000002.15805555560.1061261261700.000000.773550.000370.000000.000000.000002.18979166670.112972973710.000000.770720.000370.000000.000000.000002.22152777780.1200337838720.000000.767900.000370.000000.000000.000002.2532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