Gain positive returns regardless of the market conditions

Hong Leong Tokio Marine Takaful and Hong Leong Bank forge partnership for new scheme

Hong Leong Tokio Marine Takaful (HLTM Takaful) Berhad today launched its new Capital Protection Investment-Linked (CPIL) scheme, the Alpha CrescentInvestment Plan. The investment plan is a 3-year Shariah-compliant 100% capital protected investment-linked plan using the concepts of Murabahah and Wa'ad(unilateral undertaking) where the potential investment returns at maturity are referenced against the performance of a unique investment strategy based onthe Alpha Crescent Index.

The plan is managed by HLTM Takaful and is exclusively distributed by Hong Leong Bank Berhad (HLBB).

The Alpha Crescent Index is derived from a "buy low, sell high" strategy from the performances of a universe of Top 100 pre-selected Shariah Compliantstocks which goes through stringent filtering process and it is further rebalanced weekly with an overlay of a dynamic risk adjustment feature, to form theCrescent Index. Thus, the strategy attempts to create positive performance irrespective of bull, bear or flat markets without the need to switch products.The strategy is unique, robust, entirely rule based and well-tested over the last 10 years to be profitable under all market conditions.

"The launch of the Alpha Crescent Investment Plan is timely as it uses a rule-based strategy which allows investors to gain positive returns regardless ofthe market conditions and direction. The strategy removes the element of "fear” often associated with investing in such volatile times and allows investorsto make better and less emotional decisions when they invest," said En. Ab Latiff Haji Abu Bakar, Chief Executive Officer of HLTM Takaful.

Another added benefit of this rule-based strategy is that it has low correlations with other types of traditional investments, providing a high degree ofdiversification to an investor's portfolio.

The Investment Plan is 100% capital protected if held to maturity, creating a win-win situation for all parties. Investors can expect good returns if thestrategy performs, while protecting their capital if the strategy does not. Initial investments start as low as RM10,000 up to a maximum of RM2 million perinvestor. In addition, the Investment Plan provides a very attractive participation rate and there is no exit fees should customer wish to exit early aftermaking profits.

"As the fund offer commences for only 45 days beginning 12 January 2009 and has a limited fund size of Ringgit Malaysia, an amount equivalent to USD10million, we urge investors to take this opportunity to capitalize on this new scheme," stressed En. Ab Latiff.

There is also a protection element in the Investment Plan where investors are able to have insurance coverage of up to 125% Takaful Protection on theirinvestment amount, giving investors peace of mind financially.

En. Ab Latiff further emphasized, "In short, HLTM Takaful's CPIL is a wise, ethical and safe investment scheme that provides customers with an attractiveinvestment alternative with protection as an additional feature".

For more information, please call us directly at 03-21642339 or e-mail us atReachUS@hltm.hongleong.com.my or visit our website www.hltmt.com.my or contact our friendly Personal Financial Consultants at your nearest HLBB branch.

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Press Release - 13/01/2009