In addition to the duties contained in Article (15) herein, an Actuary shall perform the following duties while working with Takaful Insurance Companies:

1. Review the level of contributions which the Company requires the participants to pay and whether they are based on the sound technical bases.
    
2. Review the loss ratio in the participants’ account, and in case of continuing losses in this account, the Actuary must conduct technical analysis to determine the reasons behind such continuing losses and whether they are due to the loadings debited to the account or due to the underwriting policy adopted by the Company or for both reasons. He must also submit an annual report to the Company's board of directors along with the measures he recommends to rectify the situation.
    
3. Review the investment policy applied by the Company with regard to investing the monies available in the participants’ account and submit his reports thereon to the board of directors.
    
4. Review the bases on which the surplus in the participants account is distributed and prepare reports in this regard to be submitted to the board of directors of the Company.
    
5. Review the Company's policy in calculating the Wakala Fee and Mudarabah share, and submit his report thereto to the Shariah Supervisory Committee and the board of directors.