AIA BHD.(AIA Bhd. is licensed under the Insurance Act 1996 and regulated by Bank Negara Malaysia)

CREDIT SHIELD PREMIER PRODUCT DISCLOSURE SHEET

(Please read this Product Disclosure Sheet before you decide to purchase Credit Shield Premier. Be sure to also read the general terms and conditions of the Certificate of Insurance and

sample Policy Contract, where applicable.)

INTERMEDIARY & ADDRESS: Citibank BerhadMenara Citibank165 Jalan Ampang

50450 Kuala Lumpur

Date:

Personal Detail of Insured Card Member and Proposed Plan

Proposed Insured Card Member :

Age nearest birthday :

THINGS YOU NEED TO KNOW

1. What is this product about?

This policy is a non-participating yearly renewable credit insurance that offers insurance protection on the outstanding balance in respect of the Insured Card Member’s Credit Card Facility upon Death, Temporary Total Disability, Permanent Total Disability or Critical Illness.

In addition, there is a No Claim Bonus (NCB) benefit which is equal to ten percent (10%) of all the premiums paid by the Insured Card Member in a particular Policy Year provided that the policy is still in force and no claim was made for the one (1) year period before the Policy Anniversary Date of that Policy Year. This No Claim Bonus (NCB) shall be paid at end of every Policy Year

This policy will terminate upon the Insured Card Member attaining age sixty-five (65) years.

2. What are the covers/benefits provided?

Benefits Coverage

DEATH BENEFIT Settles your credit card Outstanding Balance (as at the date of death, permanent total disability or diagnosis of critical illness), up to a maximum of RM100,000 for Classic* or Gold Insured Card Member and RM300,000 for Platinum Insured Card Member

PERMANENT TOTAL DISABILITY BENEFIT

CRITICAL ILLNESS BENEFIT

TEMPORARY TOTAL DISABILITY BENEFIT

Pays five percent (5%) of the Outstanding Balance as at the date of disability subject to a maximum of twenty (20) monthly payments. The monthly disability benefit is subject to a maximum of RM5,000 per month for each Classic* or Gold Insured Card Member and RM15,000 per month for each Platinum Insured Card Member. The amount of monthly benefit shall remain constant once determined at the date of disability.

The monthly disability benefit will cease if you recover from the disability. In event of death, permanent total disability or diagnosis of critical illness prior to completion of payment of the benefit, the remaining sum will be payable in a lump sum.

No additional Death, Permanent Total Disability or Critical Illness Benefit shall be payable together with the Temporary Total Disability Benefit.

NO CLAIM BONUS (NCB) BENEFIT You will receive a No Claim Bonus (NCB) which is equal to ten percent (10%) of all the premiums paid in a particular Policy Year, provided that your policy is still in force and no claim was made for the one (1) year period before the Policy Anniversary Date of that Policy Year.

* Classic shall mean all Citibank Credit Cards except for Gold and Platinum Cards

** Note: If You submit a claim that falls within the previous Policy Year after receiving the No Claim Bonus (NCB) payment, We shall recover the refund by deducting from the claim payment.

3. How much premium do I have to pay?

The amount of premium to be paid shall be based on the outstanding balance of the Insured Card Member as at the monthly billing dates and at RM6.90 per RM1,000 of outstanding balance.

The premiums may change subject to Our discretion and We reserve the right to revise the premiums by giving thirty (30) days written notice.

4. What are the fees and charges that I have to pay?

Type Amount

Maximum Direct Distribution Cost payable to Intermediary

10% of the total monthly premium

Please note that the maximum Direct Distribution Cost payable will vary according to the premium amount.

5. What are some of the key terms and conditions that I should be aware of?

(a) Importance of disclosure – You are required to disclose all the facts which you know or ought to know during enrolment. If any declaration is untrue in any respect or if the insurance under the policy was obtained through fraud, the policy issued may be invalidated by the Insurer.

(b) Cooling Off Period – You may cancel your insurance by returning the Certificate of Insurance within fifteen (15) days from the date of delivery of the Certificate of Insurance. The premiums that you have paid (less any medical fee incurred, if any) will be refunded to you provided no claims have been paid during this cooling off period.

(c) Nomination – You are encouraged to appoint a nominee(s) in the attached nomination form as it will expedite claim settlement. Please ensure that your nominee is aware of the policy that you have purchased.

Important notice: o It may not be advantageous to switch from one Medical and Health Insurance plan to

another, as you may be subject to new underwriting requirements, full waiting period and any applicable period for the exclusion of specified illnesses/pre-existing conditions of the new insurance policy.

o Please keep a copy of the credit card statement as a proof of payment.o Please note that the limitations, terms and conditions as stated in this Product Disclosure

Sheet are not exhaustive. Please refer to the Certificate of Insurance for detailed benefits, limitations, terms and conditions. The contents of the Certificate of Insurance shall prevail if there is any discrepancy between the Product Disclosure Sheet and the Certificate of Insurance.

o If you do not receive the Certificate of Insurance after one (1) month from the date of purchase, please contact Us.

6. What are the major exclusions under this policy?

Benefits under this Policy shall not be made as a result of

Death: -

(a) From suicide within twelve (12) months from the Insured Card Member’s Effective Date of Coverage into the Credit Shield Premier Insurance Scheme.

(b) Due to any illness or injury for which the Insured Card Member has taken any treatment or advice within twelve (12) months prior to the Effective Date of Coverage into the Credit Shield Premier Insurance Scheme.

(c) Due to any illness occurring within thirty (30) days from the Effective Date of Coverage of the Insured Card Member into the Credit Shield Premier Insurance Scheme.

Temporary Total Disability and Permanent Total Disability:-

(a) Due to any illness or injury for which the Insured Card Member has taken any treatment or advice within twelve (12) months prior to the Effective Date of Coverage into the Credit Shield Premier Insurance Scheme.

(b) Due to any illness occurring within thirty (30) days from the Effective Date of Coverage of the Insured Card Member into the Credit Shield Premier Insurance Scheme

(c) Occasioned or contributed to by war, or hostilities (whether war be declared or not), or due to intentional self injury.

(d) Sustained whilst the Insured Card Member is under the influence of intoxicants, drugs or is suffering from insanity.

(e) Sustained by the Insured Card Member whilst engaged in flying for the purpose of any trade or technical operation or as a member of an air-crew or in any other aerial activities except whilst travelling as a passenger in an aircraft operating on a scheduled service.

(f) Occasioned or contributed to by HIV infection, AIDS related conditions.

(g) Pregnancy or any related complications arising from it.

(h) Resulting while sane or insane from attempted suicide.

Critical Illness: -

(a) Diagnosed within thirty (30) days of the Insured Card Member's Effective Date of Coverage into the Credit Shield Premier Insurance Scheme, with the exception of the following, which shall be subject to a waiting period of sixty (60) days:-

(i) Cancer(ii) Heart Attack

(iii) Other Serious Coronary Artery Disease (iv) Coronary Artery By-Pass Surgery.

(b) Disease(s) resulting from Acquired Immuno Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immuno Deficiency Virus (HIV) unless the condition or disease or infection arose as a result of blood transfusion or occupationally acquired in accordance with Critical Illness definitions of the Policy.

(c) Pre-existing Illness which existed before the Effective Date of Coverage, where Pre-existing Illness shall mean disabilities that the Insured Card Member has reasonable knowledge of. An Insured Card Member may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:

The Insured Card Member had received or is receiving treatment; Medical advice, diagnosis, care or treatment has been recommended; Clear and distinct symptoms are or were evident; Its existence would have been apparent to a reasonable person in the

circumstances.

(d) Any self-inflicted injuries while sane or insane, whether or not Critical Illness was caused directly or indirectly as a result of the said injury.

7. Can I cancel my policy?

You can call Our Care Line at 1800 38 3464 to cancel your policy over the phone before the certificate of insurance has been issued. Alternatively, you may cancel your coverage at any time by written notice to Us. Your policy shall be terminated on the date of receipt by Us of a written request for cancellation of the insurance by you.

8. What do I need to do if there are changes to my contact details?

It is important that you inform Us of any change in your personal details such as your change of address so that we can keep you informed of important information.

9. Where can I get further information?

Should you require additional information about medical and health insurance, please refer to the insuranceinfo booklet on ‘Medical & Health Insurance’, available at all Our Service Centres. You may also visit the insurance info website www.insuranceinfo.com.my or Our website AIA.COM.MY. For further information on claims procedures, please refer to Our website.

If you have any enquiries, please contact us at:

AIA Bhd. (790895-D)Menara AIA99 Jalan Ampang50450 Kuala LumpurP.O.Box 1084650927 Kuala LumpurCare Line : 1800 38 3464T : 03 - 2056 1111F : 03 – 2056 3891

10. Other types of Medical and Health Insurance cover available

Please ask Us for other similar types of plans offered by AIA Bhd.

IMPORTANT NOTE:YOU SHOULD SATISFY YOURSELF THAT THIS POLICY WILL BEST SERVE YOUR NEEDS. YOU SHOULD READ AND UNDERSTAND THE CERTIFICATE OF INSURANCE AND DISCUSS WITH THE BANK OFFICER OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION.

The information provided in this disclosure sheet is printed on June 2013 .