Common use of TABLE OF BENEFITS Clause in Contracts

TABLE OF BENEFITS. Description of Disablement Percentage of Sum Covered (%) Accidental Death 100% Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 100% Total paralysis 100% Total insanity 100% Injuries resulting in being permanently bedridden 100% Any other injury causing Permanent Total Disablement 100% Loss of arm at shoulder 100% Loss of arm between shoulder and elbow 100% Loss of arm at elbow 100% Loss of arm between elbow and wrist 100% Loss of hand at wrist 100% Loss of leg at hip 100% between knee and hip 100% below knee 100% Eye: Loss of whole eye 100% Sight 100% Sight, except perception of light 50% lens 50% Loss of four fingers and thumb of one hand 50% Loss of four fingers 40% Loss of thumb both phalanges 25% one phalanx 10% Loss of index finger three phalanges 10% two phalanges 8% one phalanx 4% Loss of middle finger three phalanges 6% two phalanges 4% one phalanx 2% Loss of ring finger three phalanges 5% two phalanges 4% one phalanx 2% Loss of little finger three phalanges 4% two phalanges 3% one phalanx 2% Loss of metacarpals first or second (additional) 3% third, fourth or fifth (additional) 2% Loss of toes All phalanges 15% two great, both phalanges 5% great one phalanges 2% other than great, if more than one toe lost, each 1% Loss of Hearing both ears 75% one ear 15% Loss of Speech 50% Where the Bodily Injury is not specified, We reserve the right to adopt a percentage of sum covered based on the disablement, which, in Our opinion, is consistent with the provisions of the above Table of Benefits. “Loss” of limb or member or part thereof shall mean loss by actual physical severance or total and permanent Loss of Use. Loss of Use of body member shall be treated as loss of body member. The aggregate of all percentages payable in respect of any one (1) Accident shall not exceed 100%. In the event a total of 100% is paid, all coverage hereunder shall immediately cease to be in force. All other losses less than 100% if having been paid shall reduce the coverage under Benefit A or B by that amount from the date of Accident until the expiry of the Certificate of Takaful.

TABLE OF BENEFITS. Description of Disablement Percentage of Sum Covered sum covered (%) Accidental Death 100% Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 100% Total paralysis 100% Total insanity 100% Injuries resulting in being permanently bedridden 100% Total insanity 100% Any other injury causing Permanent Total Disablement 100% Loss of arm at shoulder 100% Loss of arm between shoulder and elbow 100% Loss of arm at elbow 100% Loss of arm between elbow and wrist 100% Loss of hand at wrist 100% Loss of leg - at hip 100% - between knee and hip 100% - below knee 100% Eye: Loss of - whole eye 100% - Sight 100% - Sight, except perception of light 5055% - lens 5055% Loss of four (4) fingers and thumb of one (1) hand 5055% Loss of four (4) fingers 4045% Loss of thumb - both phalanges 2535% - one (1) phalanx 20% Loss of index finger - three (3) phalanges 20% - two (2) phalanges 15% - one (1) phalanx 10% Loss of index middle finger - three (3) phalanges 10% - two (2) phalanges 87% - one (1) phalanx 4% Loss of middle finger three phalanges 6% two phalanges 4% one phalanx 25% Loss of ring finger - three (3) phalanges 8% - two (2) phalanges 7% - one (1) phalanx 5% two phalanges 4% one phalanx 2% Loss of little finger - three (3) phalanges 47% - two (2) phalanges 36% - one (1) phalanx 25% Loss of metacarpals - first or and second (additional) 36% - third, fourth or and fifth (additional) 25% Loss of toes All - all phalanges 1525% two - great, both phalanges 10% - great, one (1) phalanx 5% great one phalanges 2% - other than great, if more than one toe lost, lost each 14% Loss of Hearing - both ears 7580% - one (1) ear 1530% Loss of Speech 5060% Shortening of arm - more than 1” up to 2” 5% - more than 2“ up to 4” 8% - more than 4” 15% Shortening of leg - more than 1” up to 2” 8% - more than 2” up to 4” 15% - more than 4” 30% The degree of shortening of limbs must be certified by a Physician. Where the Bodily Injury is not specified, We reserve the right to adopt a percentage of sum covered based on the disablement, which, in Our opinion, is consistent with the provisions of the above Table of Benefits. “Loss” of limb or member or part thereof shall mean loss by actual physical severance or total and permanent Loss of Use. Loss of Use of body member shall be treated as loss of body member. The aggregate of all percentages payable in respect of any one (1) Accident shall not exceed 100%. In the event a total of 100% is paid, all coverage hereunder shall immediately cease to be in force. All other losses less than 100% if having been paid shall reduce the coverage under Benefit A or B by that amount from the date of Accident until the expiry of the Certificate Schedule. BENEFIT C – Double Indemnity We will pay the amount stated in the Certificate Schedule if either one (1) of Takaful.the following events occur:

TABLE OF BENEFITS. Description of Disablement Percentage of Sum Covered sum insured (%) Accidental Death 100% Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 100% Total paralysis 100% Total insanity 100% Injuries resulting in being permanently bedridden 100% Total insanity 100% Any other injury causing Permanent Total Disablement 100% Loss of arm at shoulder 100% Loss of arm between shoulder and elbow 100% Loss of arm at elbow 100% Loss of arm between elbow and wrist 100% Loss of hand at wrist 100% Loss of leg - at hip 100% - between knee and hip 100% - below knee 100% Eye: Loss of - whole eye 100% - Sight 100% - Sight, except perception of light 5055% - lens 5055% Loss of four (4) fingers and thumb of one (1) hand 5055% Loss of four (4) fingers 4045% Loss of thumb - both phalanges 2535% - one (1) phalanx 20% Loss of index finger - three (3) phalanges 20% - two (2) phalanges 15% - one (1) phalanx 10% Loss of index middle finger - three (3) phalanges 10% - two (2) phalanges 87% - one (1) phalanx 4% Loss of middle finger three phalanges 6% two phalanges 4% one phalanx 25% Loss of ring finger - three (3) phalanges 8% - two (2) phalanges 7% - one (1) phalanx 5% two phalanges 4% one phalanx 2% Loss of little finger - three (3) phalanges 47% - two (2) phalanges 36% - one (1) phalanx 25% Loss of metacarpals - first or and second (additional) 36% - third, fourth or and fifth (additional) 25% Loss of toes All - all phalanges 1525% two - great, both phalanges 10% - great, one (1) phalanx 5% great one phalanges 2% - other than great, if more than one toe lost, lost each 14% Loss of Hearing - both ears 7580% - one (1) ear 1530% Loss of Speech 5060% Shortening of arm - more than 1” up to 2” 5% - more than 2“ up to 4” 8% - more than 4” 15% Shortening of leg - more than 1” up to 2” 8% - more than 2” up to 4” 15% - more than 4” 30% The degree of shortening of limbs must be certified by a Physician. Where the Bodily Injury is not specified, We reserve the right to adopt a percentage of sum covered insured based on the disablement, which, in Our opinion, is consistent with the provisions of the above Table of Benefits. “Loss” of limb or member or part thereof shall mean loss by actual physical severance or total and permanent Loss of Use. Loss of Use of body member shall be treated as loss of body member. The aggregate of all percentages payable in respect of any one (1) Accident shall not exceed 100%. In the event a total of 100% is paid, all coverage hereunder shall immediately cease to be in force. All other losses less than 100% if having been paid shall reduce the coverage under Benefit A or B by that amount from the date of Accident until the expiry of the Certificate Policy Schedule. BENEFIT C – Double Indemnity We will pay the amount stated in the Policy Schedule if either one (1) of Takaful.the following events occur:

TABLE OF BENEFITS. Description of Disablement Percentage of Sum Covered (%) Accidental Death 100% Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 100% Total paralysis 100% Total insanity 100% Injuries resulting in being permanently bedridden 100% Any other injury causing Permanent Total Disablement 100% Loss of arm at shoulder 100% Loss of arm between shoulder and elbow 100% Loss of arm at elbow 100% Loss of arm between elbow and wrist 100% Loss of hand at wrist 100% Loss of leg at hip 100% between knee and hip 100% below knee 100% Eye: Loss of whole eye 100% Sight 100% Sight, except perception of light 50% lens 50% Loss of four fingers and thumb of one hand 50% Loss of four fingers 40% Loss of thumb both phalanges 25% one phalanx 10% Loss of index finger three phalanges 10% two phalanges 8% one phalanx 4% Loss of middle finger three phalanges 6% two phalanges 4% one phalanx 2% Loss of ring finger three phalanges 5% two phalanges 4% one phalanx 2% Loss of little finger three phalanges 4% two phalanges 3% one phalanx 2% Loss of metacarpals first or second (additional) 3% third, fourth or fifth (additional) 2% Loss of toes All phalanges 15% two great, both phalanges 5% great one phalanges 2% other than great, if more than one toe lost, each 1% Loss of Hearing both ears 75% one ear 15% Loss of Speech 50% The degree of shortening of limbs must be certified by a Physician. Where the Bodily Injury is not specified, We reserve the right to adopt a percentage of sum covered based on the disablement, which, in Our opinion, is consistent with the provisions of the above Table of Benefits. “Loss” of limb or member or part thereof shall mean loss by actual physical severance or total and permanent Loss of Use. Loss of Use of body member shall be treated as loss of body member. The aggregate of all percentages payable in respect of any one (1) Accident shall not exceed 100%. In the event a total of 100% is paid, all coverage hereunder shall immediately cease to be in force. All other losses less than 100% if having been paid shall reduce the coverage under Benefit A or B by that amount from the date of Accident until the expiry of the Certificate of Takaful.Schedule. OPTIONAL BENEFITS (WHEREVER APPLICABLE) BENEFIT B – Weekly Benefit

TABLE OF BENEFITS. Description of Disablement Percentage of Sum Covered SumInsured (%) Accidental Death 100% Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 100% Total paralysis 100% Total insanity 100% Injuries resulting in being permanently bedridden 100% Any other injury causing Permanent Total Disablement 100% Loss of arm at shoulder 100% Loss of arm between shoulder and elbow 100% Loss of arm at elbow 100% Loss of arm between elbow and wrist 100% Loss of hand at wrist 100% Loss of leg at hip 100% between knee and hip 100% below knee 100% Eye: Loss of whole eye 100% Sight 100% Sight, except perception of light 50% lens 50% Loss of four fingers and thumb of one hand 50% Loss of four fingers 40% Loss of thumb both phalanges 25% one phalanx 10% Loss of index finger three phalanges 10% two phalanges 8% one phalanx 4% Loss of middle finger three phalanges 6% two phalanges 4% one phalanx 2% Loss of ring finger three phalanges 5% two phalanges 4% one phalanx 2% Loss of little finger three phalanges 4% two phalanges 3% one phalanx 2% Loss of metacarpals first or second (additional) 3% third, fourth or fifth (additional) 2% Loss of toes All phalanges 15% two great, both phalanges 5% great one phalanges 2% other than great, if more than one toe lost, each 1% Loss of Hearing both ears 75% one ear 15% Loss of Speech 50% The degree of shortening of limbs must be certified by a Physician. Where the Bodily Injury is not specified, We reserve the right to adopt a percentage of sum covered insured based on the disablement, which, in Our opinion, is consistent with the provisions of the above Table of Benefits. “Loss” of limb or member or part thereof shall mean loss by actual physical severance or total and permanent Loss of Use. Loss of Use of body member shall be treated as loss of body member. The aggregate of all percentages payable in respect of any one (1) Accident shall not exceed 100%. In the event a total of 100% is paid, all coverage hereunder shall immediately cease to be in force. All other losses less than 100% if having been paid shall reduce the coverage under Benefit A or B by that amount from the date of Accident until the expiry of the Certificate of TakafulInsurance.

TABLE OF BENEFITS. Description of Disablement Percentage of Sum Covered sum insured (%) Accidental Death 100% Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 100% Total paralysis 100% Total insanity 100% Injuries resulting in being permanently bedridden 100% Total insanity 100% Any other injury causing Permanent Total Disablement 100% Loss of arm at shoulder 100% Loss of arm between shoulder and elbow 100% Loss of arm at elbow 100% Loss of arm between elbow and wrist 100% Loss of hand at wrist 100% Loss of leg - at hip 100% - between knee and hip 100% - below knee 100% Eye: Loss of - whole eye 100% - Sight 100% - Sight, except perception of light 5055% - lens 5055% Loss of four (4) fingers and thumb of one (1) hand 5055% Loss of four (4) fingers 4045% Loss of thumb - both phalanges 2535% - one (1) phalanx 20% Loss of index finger - three (3) phalanges 20% - two (2) phalanges 15% - one (1) phalanx 10% Loss of index middle finger - three (3) phalanges 10% - two (2) phalanges 87% - one (1) phalanx 4% Loss of middle finger three phalanges 6% two phalanges 4% one phalanx 25% Loss of ring finger - three (3) phalanges 8% - two (2) phalanges 7% - one (1) phalanx 5% two phalanges 4% one phalanx 2% Loss of little finger - three (3) phalanges 47% - two (2) phalanges 36% - one (1) phalanx 25% Loss of metacarpals - first or and second (additional) 36% - third, fourth or and fifth (additional) 25% Loss of toes All - all phalanges 1525% two - great, both phalanges 10% - great, one (1) phalanx 5% great one phalanges 2% - other than great, if more than one toe lost, lost each 14% Loss of Hearing - both ears 7580% - one (1) ear 1530% Loss of Speech 5060% Shortening of arm - more than 1” up to 2” 5% - more than 2“ up to 4” 8% - more than 4” 15% Shortening of leg - more than 1” up to 2” 8% - more than 2” up to 4” 15% - more than 4” 30% The degree of shortening of limbs must be certified by a Physician. Where the Bodily Injury is not specified, We reserve reserves the right to adopt a percentage of sum covered insured based on the disablement, which, in Our opinion, is consistent with the provisions of the above Table of Benefits. “Loss” of limb or member or part thereof shall mean loss by actual physical severance or total and permanent Loss of Use. Loss of Use of body member shall be treated as loss of body member. The aggregate of all percentages payable in respect of any one (1) Accident shall not exceed 100%. In the event a total of 100% is paid, all coverage hereunder shall immediately cease to be in force. All other losses less than 100% if having been paid shall reduce the coverage under Benefit A or B by that amount from the date of Accident until the expiry of the Certificate of TakafulPolicy Schedule.

TABLE OF BENEFITS. Description of Disablement Percentage of Sum Covered (%) Accidental Death 100% Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 100% Total paralysis 100% Total insanity 100% Injuries resulting in being permanently bedridden 100% Any other injury causing Permanent Total Disablement 100% Loss of arm at shoulder 100% Loss of arm between shoulder and elbow 100% Loss of arm at elbow 100% Loss of arm between elbow and wrist 100% Loss of hand at wrist 100% Loss of leg at hip 100% between knee and hip 100% below knee 100% Eye: Loss of whole eye 100% Sight 100% Sight, except perception of light 50% lens 50% Loss of four fingers and thumb of one hand 50% Loss of four fingers 40% Loss of thumb both phalanges 25% one phalanx 10% Loss of index finger three phalanges 10% two phalanges 8% one phalanx 4% Loss of middle finger three phalanges 6% two phalanges 4% one phalanx 2% Loss of ring finger three phalanges 5% two phalanges 4% one phalanx 2% Loss of little finger three phalanges 4% two phalanges 3% one phalanx 2% Loss of metacarpals first or second (additional) 3% third, fourth or fifth (additional) 2% Loss of toes All phalanges 15% two great, both phalanges 5% great one phalanges 2% other than great, if more than one toe lost, each 1% Loss of Hearing both ears 75% one ear 15% Loss of Speech 50% The degree of shortening of limbs must be certified by a Physician. Where the Bodily Injury is not specified, We reserve the right to adopt a percentage of sum covered based on the disablement, which, in Our opinion, is consistent with the provisions of the above Table of Benefits. “Loss” of limb or member or part thereof shall mean loss by actual physical severance or total and permanent Loss of Use. Loss of Use of body member shall be treated as loss of body member. The aggregate of all percentages payable in respect of any one (1) Accident shall not exceed 100%. In the event a total of 100% is paid, all coverage hereunder shall immediately cease to be in force. All other losses less than 100% if having been paid shall reduce the coverage under Benefit A or B by that amount from the date of Accident until the expiry of the Certificate of Takaful.

TABLE OF BENEFITS. Description of Disablement Percentage of Sum Covered (%) Accidental Death 100% Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 100% Total paralysis 100% Total insanity 100% Injuries resulting in being permanently bedridden 100% Any other injury causing Permanent Total Disablement 100% Loss of arm at shoulder 100% Loss of arm between shoulder and elbow 100% Loss of arm at elbow 100% Loss of arm between elbow and wrist 100% Loss of hand at wrist 100% Loss of leg at hip 100% between knee and hip 100% below knee 100% Eye: Loss of whole eye 100% Sight 100% Sight, except perception of light 50% lens 50% Loss of four fingers and thumb of one hand 50% Loss of four fingers 40% Loss of thumb both phalanges 25% one phalanx 10% Loss of index finger three phalanges 10% two phalanges 8% one phalanx 4% Loss of middle finger three phalanges 6% two phalanges 4% one phalanx 2% Loss of ring finger three phalanges 5% two phalanges 4% one phalanx 2% Loss of little finger three phalanges 4% two phalanges 3% one phalanx 2% Loss of metacarpals first or second (additional) 3% third, fourth or fifth (additional) 2% Loss of toes All phalanges 15% two great, both phalanges 5% great one phalanges 2% other than great, if more than one toe lost, each 1% Loss of Hearing both ears 75% one ear 15% Loss of Speech 50% The degree of shortening of limbs must be certified by a Physician. Where the Bodily Injury is not specified, We reserve the right to adopt a percentage of sum covered based on the disablement, which, in Our opinion, is consistent with the provisions of the above Table of Benefits. “Loss” of limb or member or part thereof shall mean loss by actual physical severance or total and permanent Loss of Use. Loss of Use of body member shall be treated as loss of body member. The aggregate of all percentages payable in respect of any one (1) Accident shall not exceed 100%. In the event a total of 100% is paid, all coverage hereunder shall immediately cease to be in force. All other losses less than 100% if having been paid shall reduce the coverage under Benefit A or B by that amount from the date of Accident until the expiry of the Certificate of Takaful.