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PruBSN UmmahLinkIN YOUR QUEST FOR LIFE FULFILMENT, PLAN AHEAD



How many of us have put aside some savings to use

when we encounter an unexpected financial crisis?

We spend years of planning towards a comfortable

future but sometimes still not enough to take

care of things that matter in our life. Whether you

are planning to perform Hajj or Umrah, buildingeducation or retirement fund or simply having

some extra cash to enjoy a nice vacation with your

family, you need a reliable plan that fulfils your

every quest in life.

PruBSN UmmahLink takes you one step ahead in

growing your savings whilst providing you with

the necessary protection for your life plans. With

PruBSN UmmahLink, you will receive back your

savings through cash payout every two years,

enjoy life and financial protection as well as having

information at your fingertips that will take you a

step closer towards life fulfilment.

IN YOUR QUEST FOR LIFEFULFILMENT, PLAN AHEAD



Guides you to a remarkable

spiritual journey with information

at your fingertips.

Savings andCash Payout

Protection

OptimisePotential

InvestmentReturns

PruBSNInsan

Accumulate your savings through

CashBuilder with cash payout every

two years.

Entitlement for a series of lucky draws

through your savings.

Optimise your investments via

investing in the Takafulink Funds.

Ease financial burden with Death or Total

and Permanent Disability (TPD) Benefit,

Double Takaful Benefit, Badal Hajj

Benefit and Compassionate Benefit.

Extend your coverage in medical, critical

illness and other life protection benefits

for total peace of mind.

Build and Safeguardyour Quest



Below is an

illustration of how

PruBSN UmmahLink

with CashBuilder

rewards you in the

long run.

PruBSNUmmahLink

C A S

H

B

U I

L

D E R

M O N

T H L Y

CO N T R I B U T

I O N

=

R

M 1

0 0

B A S

I C M

O N T H L Y C O NTR I B U T

I O N

=

R M 2 0

0

C a s

h

U n

i t

A c c o u

n t (

C U A )

R M

6 0

I n v e s t m e n

t U n i t A

c c o u n t ( I U A )

R M 4 0

P r o t e c t i o n U nit Ac c o u n

t ( P U A

)R M20 0

Potential investment return

Total projected cashvalue (excluding totalcash payout andmaturity amount fromCUA) at year 30:Scenario 1 = RM137,098

Scenario 2 = RM55,629

RM1,000 cash payout every twoyears (auto-transfer to Tabung Haji*/ savings account)

Total cash payout over30 years = RM15,000

Maturity amount from CUAat year 30 = RM6,600

* This option is only applicable to Muslim customers only.

Plan Ahead for EndlessReward

CashBuilder is a saving instrument that can be customised to assist you in your quest for lifefulfilment where it is invested in Cash Unit Account (CUA) and Investment Unit Account (IUA). Oneportion of the CashBuilder provides cash payout every two years for better financial planning withthe amount that you decide to have. You may decide whether to accumulate the cash payout inyour Cash Unit Account (CUA) for higher cash value or auto-transfer the amount to your TabungHaji account or personal savings account if you are planning to perform Hajj or Umrah or your otherquests in life. In order to optimise your investment growth, the other portion provides potential

returns through investment in Takafulink Dana Ekuiti.

The above diagram is for illustration purposes only based on male, 30 years old, and non-smoker with sum covered of RM200,000 and RM1,000 cash payout for every two years.The total projected cash value from your investment portion is based on investment in theTakafulink Dana Ekuiti and Takafulink Dana Simpanan and is not guaranteed. Scenario 1 and2 are based on a gross growth rate of 9% and 2% for Takafulink Dana Ekuiti respectively, and2.42% and nil for Takafulink Dana Simpanan respectively.

That’s not all. Your savings through CashBuilder entitles you for a series of lucky draws carriedout by Bank Simpanan Nasional (BSN) through their Sijil Simpanan Premium (SSP)** draws,thus giving you opportunities to win attractive prizes!

** SSP (which includes the lucky draws) is a Shariah-compliant product approved by the Shariah Committee of BankSimpanan Nasional. Subject to terms and conditions.



BASIC

COVERAGESum coveredin the event

of loss of life orTotal PermanentDisability (TPD).

COMPASSIONATE

BENEFIT

Choice to enhanceyour plan to

complement your life styleand needs with additional

coverage on medical,critical illness, accidental

or disability.ENHANCED

BENEFITSDOUBLE

TAKAFUL

BENEFIT

BADAL

HAJJ

Double basic

sum coveredamount in the eventof loss of life or TPD

during anyHajj or Umrah

trip.

In the event thatyou are incapable of

performing Hajj due toloss of life or TPD, the

Badal Hajj benefit opens

up the possibility for yournominee to perform Hajj

on your behalf withamount payable

of RM3,000.

Provides RM2,000for funeral expensesin the event of death.

For non-Muslimcustomers, this benefitis payable as additional

compassionatebenefit.

Protect What Mattersthe Most



Upcoming pra yer

SE T TINGS

PRA YER TIMES

Plan your spiri tual journe y ahead.

SEARCH

Find Mas jid / K iblah b y Loca tions.

K uala Lumpur, Mala ysia

ABOU T CALENDAR SURAH

HAJJ

ZOHOR 1:05 PM

5 Oc tober 2014

10 Zulhi j jah 1435

D O W N L OA D N O W !A v a i l a

b l e i n G o o g

l e P l a y

& A p p l e A p p

S t o r e.

Linking You withTechnologyPruBSN Insan is a mobile app that is designed to guide youto a remarkable spiritual journey. It provides you with:



PruBSN UmmahLink is a regular contribution investment-linked takaful plan thatprovides you with protection, investment and savings.

How much is the contribution?The minimum contribution is RM150 per month

including the contribution of CashBuilder. The

contribution for the CashBuilder is based onthe cash payout amount.

Who is eligible for this plan?The plan is open to individual aged

between 19 and 70 years old. The expiry

age of the plan is 80 years old. Age refers

to Age Next Birthday.

What are the charges and deductions?The details of charges and deductions are listed

in the table on the next page. All charges are not

guaranteed. PruBSN reserves the right to change the

rates by giving prior notice to customers.

About PruBSN UmmahLink



Types of Charges

and DeductionsDetails

UPFRONTWAKALAHCHARGE

This charge allows us to pay commission and distribution related expenses

as well as management expenses. The percentage below is based on term20 years or more. For term less than 20 years, you may refer to the Plan

Illustration.

Certificateyear

1 2 3 4 5 & 67 &

above

Upfrontwakalahcharge

60% 60% 50% 30% 20% 0%

For CashBuilder, the upfront wakalah charge is 5% throughout the

certificate term for contribution that is allocated into the IUA only. Thereis no wakalah charge for contribution that is allocated into the CUA.

ASSETMANAGEMENTCHARGE

This is charged on a daily basis from your investment account value for

your investment management expenses.

Takafulink Dana Bon 0.5% p.a.

Takafulink Dana Ekuiti 1.5% p.a.

Takafulink Dana Urus 1.3% p.a.

Takafulink Dana Simpanan Not Applicable

SERVICECHARGE

This is charged for certificate servicing expenses.

Payment method Charge

Cash/ cheque RM6 per month

Others RM5 per month

TOP-UPCHARGE

We charge 5% on every single contribution top-up. On top of that, for

each top-up of less than RM5,000, there will be an additional charge ofRM25.

FUNDSWITCHINGCHARGE

We provide four free switches every year. For any subsequent switches

within the year, the switch charge is set at 1% of the amount switched

(subject to maximum of RM50).

TABARRU’

We deduct an amount each month from your protection account based

on your age, gender, sum covered, occupational class and smoking status.

Tabarru’ means a donation of a specified portion from the contributioninto the Tabarru’ Fund for the purpose of mutual aid and assistance among

fellow participants according to the agreed benefits under the plan.



1 This is a takaful product that is tied to the performance of the underlying assets, and it is not a pureinvestment product such as unit trusts.

2 This brochure does not form a contract between you and Prudential BSN Takaful Berhad (PruBSN). Please referto the Plan Illustration, Product Disclosure Sheet and Fund Profile before participating in the plan.

3 The contribution amount for CashBuilder will be allocated in a pre-defined amount between IUA and CUA.The cash payout is payable from CUA which is invested in Takafulink Dana Simpanan and we reserve the rightat any time to change the underlying investment of Takafulink Dana Simpanan.

4 The chosen funds for CashBuilder are fixed and cannot be changed. However, fund switching is allowed for IUAof Takafulink Dana Ekuiti.

5 The cash payout is non-guaranteed and may be subjected to be pro-rated upon any non-payment of contribution.

6 The SSP Draw is subject to the availability as offered by Bank Simpanan Nasional.

7 The investment profit is only declared at the end of every 12 months for each contribution paid to CUA,provided that each contribution paid has not been withdrawn by you or made as cash payout by us.

8 The investment returns from your PUA, IUA and profit rate from CUA will be based on the actual performanceof the fund and it is not guaranteed.

9 The investment risk of your fund is borne solely by you and the benefits may be less than your total contributionspaid.

10 If you cease paying contribution, your coverage might terminate prematurely.

11 The contribution and Tabarru’ rates are not guaranteed. PruBSN reserves the right to revise the contributionrates and/or Tabarru’ by giving 90 days written notice. For HealthEnrich, 30 days written notice will be provided.

12 For PruBSN UmmahLink, you are entitled to tax relief in respect of your contribution up to RM6,000. Any tax

relief is subject to terms and conditions of Inland Revenue Board (IRB).13 PruBSN UmmahLink does not provide any benefit amount from the Tabarru’ Fund on termination, expiry or

maturity of certificate.

14 PruBSN UmmahLink is based on Wakalah Bil Ajr model which is an arrangement for PruBSN to manageyour takaful plan. Your contribution will be placed in PUA, IUA and CUA after deducting a wakalah chargewhich constitutes the fee for the overall management services provided. The takaful protection comes fromthe Tabarru’ Fund.

15 You are entitled to receive any distributable surplus inclusive of investment profit (if any) arising from Tabarru’at the end of each financial year. Together with other participants, you are entitled to at least 50% of thesurplus and PruBSN will receive the balance of up to 50% as incentive for managing the Tabarru’ Fund. Yourportion of the distributable surplus will be placed back into your PUA. The exact amount of distributablesurplus will be determined annually and is subject to approval by both the Shariah Committee and the Boardof Directors of PruBSN.

PruBSN UmmahLink does not cover any of the following situations:

1 Death is caused by suicide within one year from the date of certificate.

2 TPD is directly or indirectly caused by attempting suicide or self-inflicted bodily injuries while sane orinsane.

3 TPD is directly or indirectly caused by engaging in aerial flights (including parachuting and skydiving)other than as a crew member of or as a fare-paying passenger on a licensed passenger-carryingcommercial aircraft operating on a regular scheduled route.

The exclusion and limitations above are not exhaustive and you should refer to the certificate document forfurther information.

Important Notes

Exclusions



PruBSN UmmahLink is a Shariah-compliant product.

Prudential BSN Takaful Berhad is a registered Takaful Operator under

the Islamic Financial Services Act 2013 and is regulated by Bank Negara Malaysia.

For more information/enquiries, please contact:

PRUDENTIAL BSN TAKAFUL BERHAD (740651-H)

Level 8A, Menara Prudential, No. 10, Jalan Sultan Ismail, 50250 Kuala Lumpur.

Tel: 03 2053 7188 Fax: 03 2072 6188

E-mail: [email protected] SMS PruBSN and send to 33080

www.prubsn.com.my

All information is correct at the time of print.Printed 5 October 2014

Important: You must ensure that you are satisfied that this product will best serve your needs and thatthe contribution payable under the certificate is an amount that you can afford.

Documents

Prubsn Ummahlink En