2.  SALAMA is a leading provider of hari ’ ah compliant insurance solutions (Takaful) around the world.  First insurance company in the Gulf region and the second company at the global level

3.  Salama serves both individual and institutional customers through an extensive global network.  At present, Salama has 6 direct Takaful companies who provide solutions to customers in the UAE, Saudi Arabia, Egypt, Senegal, Algeria and Jordan, in addition to Re- Takaful Company located in Tunis.

4.  Vision:  To become one of the top 3 leading cooperative insurance companies in the Saudi market within 5 years  Mission:  To offer comprehensive Takaful services at competitive cost across the Kingdom of Saudi Arabia via committed motivated team, efficient operations and effective distribution, serving the needs of our customers and enhancing shareholders value

5. The company's strategy and objectives  The strategy of the company offering the services of a comprehensive insurance cover the cost of competition throughout the Kingdom of Saudi Arabia  Through the provision of insurance services through distinct focus primarily on the efficiency of their products and the use of several tools to provide a special rate for customers and a mechanism for fair and prompt settlement of their compensation.

6. Company’s Activities The basic idea of the Takaful insurance based on the cooperation of a large number of people exposed to the risk of all, one is well organized, even if the risk for everyone's cooperation to each other through the premiums and the revenue contributed by the investment willingly to alleviate the damage to one of them

7. the company will provide a wide array of insurance products as follows:  Motor Third Party Liability Insurance.  Motor Comprehensive Insurance.  Marine Cargo Insurance.  Medical Insurance.  Marine Hull Insurance.  Fire & Allied Perils Insurance.  Property All Risk Insurance.  Personal Accident Insurance.  Workmen's Compensation Insurance.  Contractor's Plant and Machinery Insurance.  Erection All Risks Insurance.  Cash in Transit / Cash In Safe Insurance.

8. CBAVIP SR 250000 per members for policy period policy ANNUAL LIMIT policy ANNUAL LIMIT G. P SR 50- CONSULTANT SR 150 Maximum consultation fee RESTRICTED PROVIDERS NETWORK PROVIDERS NETWORK Semi – Private room Private room Standard suite IN-PATIENT ACCOMODATION Covered up to the policy limit from inception date Chronic and PRE existing diseases Covered up to the policy annual limit for new born if life threatening Congenital diseases

9. SR 10,000 SR 10,000 MATERNITY ANTENATAL CARE NORMAL DELIVERY Covered in case of recommend from the doctor NATURAL THERAPY Covered for tooth extraction, amalgam filling, root canal treatment and gum treatment - as per the following sup-limits RS 2000 RS 2000DENTAL Visual acuity measures and medical eye glass covered once per the policy period if ordered by the ophthalmologist with the following sup-limits 250 RS 250 RSOPTICAL COVERED ONCE PER THE POLICY PERIOD IF ORDERED BY THE ENT DOCTOR WITH THE FOLLOWING SUB – LIMITS: RS 1500 HEARING TEST AND HEARING AIDS Covered 80% as per the appointed network charges – or the actual cost which one is lower NON-EMERGENCY TREATMENT AT NON- NETWORK PROVIDERS

10. Kingdom of Saudi Arabia and medical emergencies on business trips and annual leaves up to sixty days. GEOGRAPHICAL SCOPE GEOGRAPHICAL SCOPE Covered for the covered diseases up to the policy limit including laboratory and radiology investigations surgeries medical supervision nursing care medicines room and board and I.C.U. In – patient treatment Covered for children up to twelve years old. COMPANION(ESCORT) Circumcision covered for male newborn and ear piercing covered for female newborn. CIRCUMCISION AND EAR PIERCING Covered as per the compulsory vaccination of KSA ministry of health for children up to six years old. VACCINATION If medically indicated covered for the licensed ambulance and red crescent ambulance. AMBULANCE

11. This document will not cover claims arising from the following:  (1) injury caused by the same person to deliberate.  (2) diseases that arise due to the misuse of drugs or stimulants or sedatives or by abuse of alcohol or drugs, or the like.

12.  (3) treatment or cosmetic surgery unless necessitated by accidental bodily injury, however, are excluded in this section.  (4) comprehensive tests and vaccines, drugs or preventive methods that do not require medical treatment stipulated in this document.  (5) deal with pregnancy and childbirth for women with the contractor on the basis that they are not married.

13.  (6) treatment received by the insured person is free of charge.  (7) and wellness programs, health and physical treatment of the role of social welfare.  (8) of any illness or injury arising as a direct result of occupation of the person insured.  (9) dealing with venereal disease or sexually transmitted medically accepted.

14.  (11) All costs relating to the laying of the teeth or dental prostheses, bridges fixed or mobile, calendar, except those caused by the foreign media violent.  (12) To correct the tests of hearing, or visual or audio means of assistance as required were not licensed doctor ordered.  (13) Expenses of the insured person has moved through the transfer of non-local ambulances licensed or of the Saudi Red Crescent Society.

15. (14) Hair loss or baldness or wigs. (15) Psychological treatment to mental or neurological disorders except for acute cases. (16) Tests the sensitivity of whatever nature other than those related to drugs or the diagnosis or treatment. (17) Devices, methods and procedures or drugs, hormone therapy or birth control in order to prevent pregnancy, or infertility, or his sexual impotence or lack of fertility or enriched by the pipes, or any other means of vaccination synthetic.

16. (22) war (23) Ion radiation or contamination by radioactivity (24) characteristics of radioactive or toxic or explosive or other hazardous properties of any nuclear or gatherings of any of the vehicles nuclear weapons. (25) engage the insured person or his participation in the service of the armed forces, police or operations. (26) Riots, strikes, terrorism or similar work.