Common use of TABLE OF BENEFITS Clause in Contracts

TABLE OF BENEFITS. Description of Disablement Percentage of sum covered (%) Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 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 55% - lens 55% Loss of four (4) fingers and thumb of one (1) hand 55% Loss of four (4) fingers 45% Loss of thumb - both phalanges 35% - one (1) phalanx 20% Loss of index finger - three (3) phalanges 20% - two (2) phalanges 15% - one (1) phalanx 10% Loss of middle finger - three (3) phalanges 10% - two (2) phalanges 7% - one (1) phalanx 5% Loss of ring finger - three (3) phalanges 8% - two (2) phalanges 7% - one (1) phalanx 5% Loss of little finger - three (3) phalanges 7% - two (2) phalanges 6% - one (1) phalanx 5% Loss of metacarpals - first and second (additional) 6% - third, fourth and fifth (additional) 5% Loss of toes - all phalanges 25% - great, both phalanges 10% - great, one (1) phalanx 5% - other than great, if more than one toe lost each 4% Loss of Hearing - both ears 80% - one (1) ear 30% Loss of Speech 60% 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 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 the following events occur:

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 5550% - lens 5550% Loss of four (4) fingers and thumb of one (1) hand 5550% Loss of four (4) fingers 4540% Loss of thumb - both phalanges 3525% - one (1) phalanx 2010% Loss of index finger - three (3) phalanges 2010% - two (2) phalanges 158% - one (1) phalanx 104% Loss of middle finger - three (3) phalanges 106% - two (phalanges 4% one phalanx 2) phalanges 7% - one (1) phalanx 5% Loss of ring finger - three (3) phalanges 85% - two (phalanges 4% one phalanx 2) phalanges 7% - one (1) phalanx 5% Loss of little finger - three (phalanges 4% two phalanges 3) phalanges 7% - two (one phalanx 2) phalanges 6% - one (1) phalanx 5% Loss of metacarpals - first and or second (additional) 63% - third, fourth and or fifth (additional) 52% Loss of toes - all All phalanges 2515% - 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 41% Loss of Hearing - both ears 8075% - one (1) ear 3015% Loss of Speech 6050% 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 the following events occur:Takaful.

TABLE OF BENEFITS. Description of Disablement Percentage of sum covered insured (%) Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 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 55% - lens 55% Loss of four (4) fingers and thumb of one (1) hand 55% Loss of four (4) fingers 45% Loss of thumb - both phalanges 35% - one (1) phalanx 20% Loss of index finger - three (3) phalanges 20% - two (2) phalanges 15% - one (1) phalanx 10% Loss of middle finger - three (3) phalanges 10% - two (2) phalanges 7% - one (1) phalanx 5% Loss of ring finger - three (3) phalanges 8% - two (2) phalanges 7% - one (1) phalanx 5% Loss of little finger - three (3) phalanges 7% - two (2) phalanges 6% - one (1) phalanx 5% Loss of metacarpals - first and second (additional) 6% - third, fourth and fifth (additional) 5% Loss of toes - all phalanges 25% - great, both phalanges 10% - great, one (1) phalanx 5% - other than great, if more than one toe lost each 4% Loss of Hearing - both ears 80% - one (1) ear 30% Loss of Speech 60% 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 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 Certificate Policy Schedule if either one (1) of the following events occur:

TABLE OF BENEFITS. Description of Disablement Percentage of sum covered insured (%) Loss of Limbs (two limbs) 100% Loss of both hands, or of all fingers and both thumbs 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 55% - lens 55% Loss of four (4) fingers and thumb of one (1) hand 55% Loss of four (4) fingers 45% Loss of thumb - both phalanges 35% - one (1) phalanx 20% Loss of index finger - three (3) phalanges 20% - two (2) phalanges 15% - one (1) phalanx 10% Loss of middle finger - three (3) phalanges 10% - two (2) phalanges 7% - one (1) phalanx 5% Loss of ring finger - three (3) phalanges 8% - two (2) phalanges 7% - one (1) phalanx 5% Loss of little finger - three (3) phalanges 7% - two (2) phalanges 6% - one (1) phalanx 5% Loss of metacarpals - first and second (additional) 6% - third, fourth and fifth (additional) 5% Loss of toes - all phalanges 25% - great, both phalanges 10% - great, one (1) phalanx 5% - other than great, if more than one toe lost each 4% Loss of Hearing - both ears 80% - one (1) ear 30% Loss of Speech 60% 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 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 Certificate Schedule if either one (1) of the following events occur:.