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Dawood Family Takaful Ltd.

Illustration for Salamti ID: 273465

http://sales.e-dftl.com/SalamtiPrint.aspx?Illustration_ID=273465&Authori...

Dawood Family Takaful Limited Illustration of Benefits for Salamti Plan Prepared for Sherzada Basic Details Date of Birth: 14-Feb-1980 CNIC: 1111111111111

Name: Sherzada Commencement Date: 21-Apr-2014 Half Y early Contribution: Pak Rupees 15,750 Only. Name of Plan/Rider Basic Plan Accidental Death & Disability Benefit (ADDB) Certificate Fee Total Annual Contribution

Gender: Male Medical: Non Medical

Age: 34 ID: 273465

Coverage Details Compound Indexation of Basic Annual Contribution: 5% Sum Covered 600,000 600,000 Payment/Coverage Term 10 / 10 10 / 10 Annual Contribution 30,000 900 600 31,500

Plan Y ear 1 2 3 4 5 6 7 8 9 10

Basic Annual Contribution 30,000 31,500 33,075 34,729 36,465 38,288 40,203 42,213 44,324 46,540

Illustrative Values Assumed Investment Returns Cumulative Basic Plan 7% rate of return 9% rate of return 11% rate of return Contribution Basic Plan Basic Plan Basic Plan Cash Value Cash Value Cash Value Paid Death Benefit Death Benefit Death Benefit 30,000 604,233 4,233* 604,293 4,293* 604,352 4,352* 61,500 628,219 28,219* 628,701 28,701* 629,184 29,184* 94,575 657,865 57,865 659,334 59,334 660,823 60,823 129,304 693,864 93,864 697,044 97,044 700,301 100,301 165,769 733,642 133,642 739,413 139,413 745,390 145,390 204,057 777,500 177,500 786,860 186,860 796,672 196,672 244,260 825,644 225,644 839,748 239,748 854,714 254,714 286,473 878,407 278,407 898,578 298,578 920,245 320,245 330,797 936,146 336,146 963,894 363,894 994,071 394,071 377,337 999,750 399,750 1,036,844 436,844 1,077,687 477,687

Notes Contribution Allocation Percentages: Year 1*: 15% Year 2*: 80% Year 3: 90% Year 4-10: 100% Year 11 onwards: 105% (100% Basic Allocation + 5% reward every year from 11th year and onwards) *Cash Value Payable at Surrender: Year 1 and 2; 0%. The ownership of the units will rest with the Takaful Operator till 3 years' full contribution is paid. Expense Charge Details: 1. The Takaful Operator would charge Modaribs Share of 15% per annum on the investment return of the Waqf. 2. The Takaful Operator would charge Tharawat Fee of 1.5% per annum on the Net Asset Value of PIA. 3. Bid-Offer spread is 5%. 4. In addition to this, an annual certificate fee of Rs 600 p.a. will be charged. 5. Tabarru Charges (risk charges) will be deducted and transferred to Waqf based on the rates filed with the SECP. 6. All the above mentioned charges are reviewable by the Takaful Operator. 7. All values given illustrated above are net of all charges. Other Notes for Participant Information 1. Death Benefit = (a) Sum Covered from Waqf + (b) Distributable Surplus from Waqf, if any + (c ) Net balance available in PIA at death. 2. Cash Value before maturity = (a) Net balance available in PIA + (b) Distributable Surplus from Waqf, if any. 3. Maturity Benefit (CV at Maturity) = (a) Net balance available in PIA + (b) Distributable Surplus from Waqf, if any. 4. Distributable Surplus from Waqf (a) 0% for years 1-4, 80% for years 5-9, and 95% for years 10+. 5 The rate of return assumptions mentioned in the table above is before deduction of the Tharawat Charge. These charges have been deducted from the rate of return assumptions prior to determining the Illustrative Values in the table above. 6. The Cash Values given above are based on assumptions. The actual values can be higher or lower than the ones illustrated above depending upon the performance of the underlying investments, and mortality experience of the Company. 7. The Funds may be invested in Shariah Balance Fund, Shariah Income Fund or Shariah Aggressive Fund. 8. This is an approved illustration of the Company. Any other illustration which contradicts this illustration should not be given any consideration and should be reported to the Company. Declarations Declaration by Takaful Operator's Representative: I confirm that I have not made any verbal, written or electronic presentation which is in contradiction to this illustration. I also confirm that I have not misrepresented or deceived the prospective participant in any way. In case of any misconduct on my part, the Takaful Operator and I shall be responsible for any loss to the prospective participant. In such circumstances, the SECP shall have the authority to take any necessary action in light of the Insurance Ordinance 2000 and Takaful Rules 2005. Signature: Name & Code: Date: Designation:

Declaration by Client: I confirm that I have studied the above illustration along with Notes and understood the same fully. I also confirm that no other illustration, verbal, written or electronic, in contradiction to this illustration has been given to me. Signature: Date:

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4/14/2014 8:25 AM

Dawood Family Takaful Ltd. Illustration for Salamti ID: 273465

http://sales.e-dftl.com/SalamtiPrint.aspx?Illustration_ID=273465&Authori...

Name: Address: Version: 4.0

CNIC Number:

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