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, building education 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 LIFE FULFILMENT, PLAN AHEAD

Guides you to a remarkable spiritual journey with information at your fingertips.

Savings and Cash Payout

Protection

Optimise Potential

Investment Returns

PruBSN Insan

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 Safeguard your Quest

Below is an illustration of how

PruBSN UmmahLink with CashBuilder rewards you in the

long run.

PruBSNUmmahLink

CASH

BU

I LD

ER M

ONTH LY C ONTR IBUT ION

= R

M100

BASIC MONTHLY CONTRIBUTION = RM200

Cash

Uni

t Acc

ount

(CUA)

RM60

Investment Unit Account (I UA)

RM40

Protection Unit Account (PUA)RM200

Potential investment return

Total projected cash value (excluding total cash payout and maturity amount from CUA) at year 30:Scenario 1 = RM137,098 Scenario 2 = RM55,629

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

Total cash payout over30 years = RM15,000Maturity amount from CUA at year 30 = RM6,600

* This option is only applicable to Muslim customers only.

Plan Ahead for Endless RewardCashBuilder is a saving instrument that can be customised to assist you in your quest for life fulfilment where it is invested in Cash Unit Account (CUA) and Investment Unit Account (IUA). One portion of the CashBuilder provides cash payout every two years for better financial planning with the amount that you decide to have. You may decide whether to accumulate the cash payout in your Cash Unit Account (CUA) for higher cash value or auto-transfer the amount to your Tabung Haji account or personal savings account if you are planning to perform Hajj or Umrah or your other quests 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 the Takafulink Dana Ekuiti and Takafulink Dana Simpanan and is not guaranteed. Scenario 1 and 2 are based on a gross growth rate of 9% and 2% for Takafulink Dana Ekuiti respectively, and 2.42% and nil for Takafulink Dana Simpanan respectively.That’s not all. Your savings through CashBuilder entitles you for a series of lucky draws carried out 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 Bank

Simpanan Nasional. Subject to terms and conditions.

BASICCOVERAGE

Sum coveredin the event

of loss of life or Total and Permanent

Disability (TPD).

COMPASSIONATEBENEFIT

Choice to enhance your plan to

complement your life style and needs with additional

coverage on medical, critical illness, accidental

or disability. ENHANCEDBENEFITS

DOUBLETAKAFULBENEFIT

BADALHAJJ

Double basicsum covered

amount 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 your nominee to perform Hajj

on your behalf with amount payable

of RM3,000.

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

For non-Muslimcustomers, this benefitis payable as additional

compassionatebenefit.

Protect What Matters the Most

DOWNLOAD

NOW!Available in Google Play

& Apple App Store.

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

PruBSN UmmahLink is a regular contribution investment-linked takaful plan that provides 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 on the 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 Deductions

Details

UPFRONT WAKALAH CHARGE

This charge allows us to pay commission and distribution related expenses as well as management expenses. The percentage below is based on term 20 years or more. For term less than 20 years, you may refer to the Plan Illustration.

Certificate year 1 2 3 4 5 & 6 7 &

above

Upfront wakalah charge

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. There is no wakalah charge for contribution that is allocated into the CUA.

ASSET MANAGEMENT CHARGE

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

SERVICE CHARGE

This is charged for certificate servicing expenses.

Payment method Charge

Cash/ cheque RM6 per month

Others RM5 per month

TOP-UP CHARGE

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 of RM25.

FUND SWITCHING CHARGE

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 contribution into 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 pure investment product such as unit trusts.

2 This brochure does not form a contract between you and Prudential BSN Takaful Berhad (PruBSN). Please refer to 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 right at 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 IUA of 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 performance

of 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 contributions

paid.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 contribution

rates and/or Tabarru’ by giving 90 days written notice. For medical benefits (if attachable), 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 manage your takaful plan. Your contribution will be placed in PUA, IUA and CUA after deducting a wakalah charge which constitutes the fee for the overall management services provided. The takaful protection comes from the 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 the surplus and PruBSN will receive the balance of up to 50% as incentive for managing the Tabarru’ Fund. Your portion of the distributable surplus will be placed back into your PUA. The exact amount of distributable surplus will be determined annually and is subject to approval by both the Shariah Committee and the Board of 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 or

insane.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-carrying commercial aircraft operating on a regular scheduled route.

The exclusion and limitations above are not exhaustive and you should refer to the certificate document for further 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: customer@prubsn.com.my SMS PruBSN and send to 33080

www.prubsn.com.my

All information is correct at the time of print. Printed 25 April 2016

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