Dawood Family Takaful Ltd.

Illustration for Salamti ID: 273467

http://sales.e-dftl.com/SalamtiPrint.aspx?Illustration_ID=273467&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 Annual Contribution: Pak Rupees 31,950 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: 273467

Coverage Details Compound Indexation of Basic Annual Contribution: 0% Sum Covered 900,000 900,000 Payment/Coverage Term 10 / 10 10 / 10 Annual Contribution 30,000 1,350 600 31,950

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

Basic Annual Contribution 30,000 30,000 30,000 30,000 30,000 30,000 30,000 30,000 30,000 30,000

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 30,000 904,204 4,204* 904,283 4,283* 904,361 4,361* 60,000 926,853 26,853* 927,440 27,440* 928,029 28,029* 90,000 953,527 53,527 955,157 55,157 956,814 56,814 120,000 984,443 84,443 987,772 87,772 991,193 91,193 150,000 1,017,220 117,220 1,023,011 123,011 1,029,034 129,034 180,000 1,051,971 151,971 1,061,052 161,052 1,070,614 170,614 210,000 1,088,651 188,651 1,101,946 201,946 1,116,126 216,126 240,000 1,127,373 227,373 1,145,913 245,913 1,165,943 265,943 270,000 1,168,259 268,259 1,193,186 293,186 1,220,471 320,471 300,000 1,212,205 312,205 1,244,856 344,856 1,281,071 381,071

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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Dawood Family Takaful Ltd. Illustration for Salamti ID: 273467

http://sales.e-dftl.com/SalamtiPrint.aspx?Illustration_ID=273467&Authori...

Name: Address: Version: 4.0

CNIC Number:

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