|     EDUCATION / EPF / HOLIDAY PLAN FOR 10 YEARS  |   ||||||||
|     FREE INSURANCE RM 100,000 FOR DEATH & PERMENANT   DISABILITY  |   ||||||||
| 
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |   
| 
 |    
 |        YEARLY  |        RM  |        14,500.00  |    
 |    
 |    
 |    
 |   
| 
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |   
|     YEAR  |        PREMIUM  |        4% LESS  |        BALANCE PREMIUM PAID  |    
 |    
 |   |||
|     1  |        RM  |        145,000.00  |        RM  |        14,500.00  |        RM  |        130,500.00  |    
 |    
 |   
|     2  |        RM  |        130,500.00  |        RM  |        5,220.00  |        RM  |        121,220.00  |    
 |    
 |   
|     3  |        RM  |        121,220.00  |        RM  |        4,848.80  |        RM  |        111,568.80  |    
 |    
 |   
|     4  |        RM  |        111,568.80  |        RM  |        4,462.75  |        RM  |        101,531.55  |    
 |    
 |   
|     5  |        RM  |        101,531.55  |        RM  |        4,061.26  |        RM  |        91,092.81  |    
 |    
 |   
|     6  |        RM  |        91,092.81  |        RM  |        3,643.71  |        RM  |        80,236.53  |    
 |    
 |   
|     7  |        RM  |        80,236.53  |        RM  |        3,209.46  |        RM  |        68,945.99  |    
 |    
 |   
|     8  |        RM  |        68,945.99  |        RM  |        2,757.84  |        RM  |        57,203.83  |    
 |    
 |   
|     9  |        RM  |        57,203.83  |        RM  |        2,288.15  |        RM  |        44,991.98  |    
 |    
 |   
|     10  |        RM  |        44,991.98  |        RM  |        1,799.68  |        RM  |        32,291.66  |    
 |    
 |   
|     FREE DIVIDENT 10 YEARS  |        RM  |        32,291.66  |           |           |    
 |    
 |   ||
| 
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |   
|     AFTER 10 YEARS  |    
 |    
 |    
 |    
 |    
 |    
 |    
 |   |
|     11  |        YEARS  |    
 |        RM  |        52,874.66  |    
 |    
 |    
 |   |
|     EVERY 3 YEARS  |    
 |        RM  |        22,500.00  |    
 |    
 |    
 |   ||
|     EVERY 3 YEARS  |    
 |        RM  |        22,500.00  |    
 |    
 |    
 |   ||
|     EVERY 3 YEARS  |    
 |        RM  |        22,500.00  |    
 |    
 |    
 |   ||
|     EVERY 3 YEARS  |    
 |        RM  |        22,500.00  |    
 |    
 |    
 |   ||
|     EVERY 3 YEARS  |    
 |        RM  |        22,500.00  |    
 |    
 |    
 |   ||
|     EVERY 3 YEARS  |    
 |        RM  |        22,500.00  |    
 |    
 |    
 |   ||
|     UNTIL 87 YEARS  |    
 |        RM  |        577,500.00  |    
 |    
 |    
 |   ||
|     TERMINAL BONUS  |    
 |        RM  |        357,868.00  |    
 |    
 |    
 |   ||
|     TOTAL  |    
 |    
 |        RM  |        935,368.00  |    
 |    
 |    
 |   |
|     EDUCATION / EPF / HOLIDAY PLAN FOR 10 YEARS  |   ||||||||||
|     FREE INSURANCE RM 50,000 FOR DEATH & PERMENANT   DISABILITY  |   ||||||||||
| 
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |   |
| 
 |    
 |        YEARLY  |        RM  |        7,500.00  |    
 |    
 |    
 |    
 |    
 |   |
| 
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |   |
|     YEAR  |        PREMIUM  |        4% LESS  |        BALANCE PREMIUM PAID  |    
 |    
 |    
 |   ||||
|     1  |        RM  |        75,000.00  |        RM  |        7,500.00  |        RM  |        67,500.00  |    
 |    
 |    
 |   |
|     2  |        RM  |        67,500.00  |        RM  |        2,700.00  |        RM  |        62,700.00  |    
 |    
 |    
 |   |
|     3  |        RM  |        62,700.00  |        RM  |        2,508.00  |        RM  |        57,708.00  |    
 |    
 |    
 |   |
|     4  |        RM  |        57,708.00  |        RM  |        2,308.32  |        RM  |        52,516.32  |    
 |    
 |    
 |   |
|     5  |        RM  |        52,516.32  |        RM  |        2,100.65  |        RM  |        47,116.97  |    
 |    
 |    
 |   |
   
  |        RM  |        47,116.97  |        RM  |        1,884.68  |        RM  |        41,501.65  |    
 |    
 |        |   |
|     7  |        RM  |        41,501.65  |        RM  |        1,660.07  |        RM  |        35,661.72  |    
 |    
 |    
 |   |
|     8  |        RM  |        35,661.72  |        RM  |        1,426.47  |        RM  |        29,588.19  |    
 |    
 |    
 |   |
|     9  |        RM  |        29,588.19  |        RM  |        1,183.53  |        RM  |        23,271.71  |    
 |    
 |    
 |   |
|     10  |        RM  |        23,271.71  |        RM  |        930.87  |        RM  |        16,702.58  |    
 |    
 |    
 |   |
|     FREE DIVIDENT 10 YEARS  |        RM  |        24,202.58  |           |           |    
 |    
 |    
 |   |||
| 
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |    
 |   |
|     AFTER 10 YEARS  |    
 |    
 |    
 |    
 |    
 |    
 |    
 |   |||
|     11  |        YEARS  |        RM  |        34,493.58  |    
 |    
 |    
 |    
 |   |||
|     EVERY 3 YEARS  |        RM  |        11,250.00  |    
 |    
 |    
 |    
 |   ||||
|     EVERY 3 YEARS  |        RM  |        11,250.00  |    
 |    
 |    
 |    
 |   ||||
|     EVERY 3 YEARS  |        RM  |        11,250.00  |    
 |    
 |    
 |    
 |   ||||
|     EVERY 3 YEARS  |        RM  |        11,250.00  |    
 |    
 |    
 |    
 |   ||||
|     EVERY 3 YEARS  |        RM  |        11,250.00  |    
 |    
 |    
 |    
 |   ||||
|     EVERY 3 YEARS  |        RM  |        11,250.00  |    
 |    
 |    
 |    
 |   ||||
|     UNTIL 87 YEARS  |        RM  |        866,250.00  |    
 |    
 |    
 |    
 |   ||||
|     TERMINAL BONUS  |        RM  |        600,000.00  |    
 |    
 |    
 |    
 |   ||||
|     TOTAL  |    
 |    
 |        RM  |        1,466,250.00  |    
 |    
 |    
 |    
 |   ||
