JS Fund of Funds. Benchmark. Returns as at June 30th Benchmark 8.3%* -8.9% -8.9% Benefits of Investing. Product Summary

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1 JS Fund of Funds JS Fund of Funds (JS FoF) aims to grow investor s capital by undertaking minimal risk through investing primarily in any of the available collective investment schemes that includes equity, balanced, fixed income, money market, real estate investment trust (REIT) and commodities etc. The Fund may also invest in short term government securities and money market instruments, not exceeding 90 days maturity. A diverse portfolio of mutual funds; mitigates risk relating to the decisions of a single manager Investment in desirable institutional Funds The returns mentioned are on absolute return basis. * Average Annualized Return since inception as per Morning Star formula No charges on redemption Tax efficient returns and Tax Credit (Under prevailing Tax Laws) JS Fund of Funds (JS FoF) Open End Fund of Fund Scheme Medium Weighted Average of "Three (3) months PKRV rates", "Six (6) months KIBOR rates" and "KSE-100 Index", on the basis of actual investment in money market, income and equity schemes Front end Load 3.00% 1.00% (Exclusive of SST & FED) Cheque or bank draft or pay order, made payable to CDC Trustee JS Fund of Funds Management Quality Rating AM2 by JCR-VIS FY 2018 FY 2013 FY 2014 FY 2015 FY 2016 Fund % -9.5% 21% % 20% 9% 21% 8.3%* -8.9% -8.9% 27% 20% 21% 4% 1 Performance data does not include the cost incurred directly by an investor in the form of sales load etc. The performance reported is net of management fee & all other expenses and based on dividend reinvestment gross of with-holding tax where applicable.

2 JS Income Fund JS Income Fund (JS IF) is an income fund that aims to preserve investor s capital while providing a regular stream of current income on an annual basis which is higher than that offered by commercial banks on deposits of similar liquidity profile as this fund. The Fund operates a diverse portfolio of investment-grade debt securities, government securities and money market instruments. The fund also maintain liquidity in the form of a bank deposits. A regular stream of income through government and high quality debt securities Better returns vis-à-vis bank deposits Seek to maintain liquidity and competitive yields JS Income Fund (JS IF) Fund Rating A+ (f)* Low-Medium Front end Load 1.00% Management Quality Rating AM2 by JCR-VIS *Rating by PACRA FY 2018 Fund 7.9% 8.5% 5.9% 6.5% The returns mentioned are on annualized performance basis. Open End Fixed Income Scheme 5.9% 6.5% No charges on redemption. Tax efficient returns and Tax Credit (Under prevailing Tax Laws) Average Return of Six (6) months KIBOR for any period of return 0.75% (Exclusive of SST & FED) Cheque or bank draft or pay order, made payable to MCB FSL Trustee JS Income Fund FY % 10% FY % 10% FY % 9% FY % 7% Performance data does not include the cost incurred directly by an investor in the form of sales load etc. The performance reported is net of management fee & all other expenses and based on dividend reinvestment gross of with-holding tax where applicable.

3 JS Value Fund The Fund maintains a portfolio of high yielding equity securities aiming at earnings derived from capital appreciation and dividend income. The portfolio seeks capital growth through investments in listed equity securities with dividend yield potential. To benefit from changing interest rate environment and some portion of the portfolio is also kept in cash and near cash instruments (excluding TDR) which may include Government securities not exceeding ninety (90) days maturity. An opportunity to participate in a diverse portfolio of high yielding listed equity securities To benefit from capital market for maximizing investment returns The returns mentioned are on absolute return basis. * Average Annualized Return since last ten year as per Morning Star formula #10 Years Return ( inception not available) Performance data does not include the cost incurred directly by an investor in the form of sales load etc. The performance reported is net of management fee & all other expenses and based on dividend reinvestment gross of with-holding tax where applicable. Aimed at earnings derived from a combination of capital appreciation and dividend income No charges on redemption Tax efficient returns and Tax Credit (Under prevailing Tax Laws) JS Value Fund (JS VF) Open End Equity Scheme High KSE30 (Total Return Index) Front end Load 3.00% 2.00% (Exclusive of SST & FED) Cheque or bank draft or pay order, made payable to MCB FSL Trustee JS Value Fund Management Quality Rating AM2 by JCR-VIS FY 2018 FY 2013 FY 2014 FY 2015 FY 2016 Fund # 6.8%* -12.8% -12.8% 64% 3 10% 14% 2 4.8% -10.0% -10.0% 3 2 0% 18%

4 JS Islamic Income Fund JS Islamic Income Fund (JS IIF) is an open end Shariah Compliant Unit Trust Income Scheme which aims at generating a stable stream of current HALAL income while ensuring low risk and capital enhancement in the medium to long term by investing primarily in Shariah Compliant Government Securities. Shariah compliance criteria set and monitored by Shariah Advisors Riba free and competitive returns Better expected returns compared to bank accounts. Suitable for investors seeking stable returns of halal income Flexibility to withdraw your profit on monthly, quarterly, semiannual or annual basis* Tax Efficient returns and Tax Credit (Under prevailing Tax laws) *Subject to terms and conditions as specific in the Offering Documents. Fund Rating Front end Load Management Quality Rating *Rating by PACRA FY 2018 Fund 5.1% 5.5% 3.4% 2. The returns mentioned are on annualized return basis JS Islamic Income Fund (JS IIF) Open End Shariah Compliant Sovereign Income Scheme AA- (f)* Low-Medium Average 6 month Placement (Deposit) rate of 3 Islamic Banks (including Islamic windows of Commercial Banks) 1.00% 0.75% (Exclusive of SST & FED) Cheque or bank draft or pay order, made payable to MCB FSL Trustee JS Islamic Income Fund AM2 by JCR-VIS 3.4% 2. FY % FY % 7% FY % FY % 5% 4% 4% Performance data does not include the cost incurred directly by an investor in the form of sales load etc. The performance reported is net of management fee & all other expenses and based on dividend reinvestment gross of with-holding tax where applicable.

5 JS Islamic Fund JS Islamic Fund (JS ISF) aims to maximize total returns along with capital gain that includes a combination of capital appreciation and dividend income. The Fund invests in Shariah compliant equity securities approved by the Shariah Advisors and can also deposit cash with Islamic Banks/Islamic windows of commercial banks. Shariah compliance criteria set and monitored by Shariah Advisors Interest free (Riba free) Tax credit (rebate) to investors under prevailing tax laws JS Islamic Fund (JS ISF) Open End Shariah Compliant-Equity Scheme high KMI-30 Index Front end Load 3.00% 2.00% (Exclusive of SST & FED) Cheque or bank draft or pay order, made payable to CDC Trustee JS Islamic Fund Management Quality Rating AM2 by JCR-VIS FY 2018 Fund 15.7%* 14.3%* -19.8% % -9. FY % FY % 30% FY % 20% FY % The returns mentioned are on absolute return basis. * Average Annualized Return since inception as per Morning Star formula Performance data does not include the cost incurred directly by an investor in the form of sales load etc. The performance reported is net of management fee & all other expenses and based on dividend reinvestment gross of with-holding tax where applicable.

6 JS Growth Fund The main objective of JS Growth Fund (JS GF) is to enable the Unit Holders to participate in a diversified portfolio of high quality equity securities listed on the stock exchanges and to maximize the investment return, by prudent investment management. Consistent with its Objective, the Scheme shall predominantly invest in high quality equity securities which have potential of higher expected growth rates. Well diversified, professionally managed and transparent investment avenue No charges on redemption Tax efficient returns and Tax Credit (Under prevailing Tax Laws) Low cost vis-à-vis individual stock investment JS Growth Fund (JS GF) Open End Equity Scheme High KSE30 Index (Total Return Index) Front end Load 3.00% 2.00% (Exclusive of SST & FED) Cheque or bank draft or pay order, made payable to MCB FSL Trustee JS Growth Fund Management Qaulity Rating AM2 by JCR-VIS FY 2018 Fund 9.5%* -15.9% -15.9% FY % FY 2014 % FY % FY % 38% 5.4% -10.0% -10.0% 3 2 0% 18% The returns mentioned are on absolute return basis. * Average Annualized Return since inception as per Morning Star formula Performance data does not include the cost incurred directly by an investor in the form of sales load etc. The performance reported is net of management fee & all other expenses and based on dividend reinvestment gross of with-holding tax where applicable.

7 JS Large Cap. Fund JS Large Cap. Fund (JS LCF) is an open-end Equity Scheme that aims to benefit from Capital Market to maximize the total investment return consisting of a combination of capital appreciation and dividend income. Consistent with its Investment Objective, the Fund shall invest primarily in equity securities of listed Large-Cap companies with market capitalization of over Rupees one billion. The remaining Funds shall be invested in Authorized Investments including cash and/or near cash instruments which include cash in bank accounts, and Government securities not exceeding ninety (90) days maturity. Better expected returns through a diverse portfolio of shares of listed companies of over PKR One Billion Mainly benefits from capital appreciation and dividend income Front end Load Management Qaulity Rating FY 2018 Fund 15.2% 8.4% -12.1% -10.0% The returns mentioned are on absolute return basis. * Average Annualized Return since inception as per Morning Star formula No charges on redemption. Tax efficient returns and Tax Credit (Under prevailing Tax Laws) JS Large Cap. Fund (JS LCF) Open End Equity Scheme High KSE30 Index (Total Return Index) 3.00% 2.00% (Exclusive of SST & FED) Cheque or bank draft or pay order, made payable to CDC Trustee JS Large Cap. Fund AM2 by JCR-VIS -12.1% -10.0% FY % 3 FY 2014 % 2 FY % FY % 0% 44% 18% Performance data does not include the cost incurred directly by an investor in the form of sales load etc. The performance reported is net of management fee & all other expenses and based on dividend reinvestment gross of with-holding tax where applicable.

8 Unit Trust of Pakistan Unit Trust of Pakistan (UTP) is a balanced fund that aims to preserve and grow investor s capital in the long term while providing a regular stream of current income on an annual basis. The Fund operates a diverse portfolio of equity and fixed income investments whereby the equity component is meant to provide the growth in capital while dividends on the equity component along with the fixed income investments help generate the current income. Balanced investment strategy Potential of consistent profitable returns through efficient mix of debt and equity investments Tax efficient returns and Tax Credit (Under prevailing Tax Laws) Unit Trust Pakistan (UTP) Open End Balanced Scheme Medium Rate of return of KSE-30 Index and six (6) month KIBOR, for any period of return, on the basis of actual proportions of the portfolio. Front end Load 3.00% 2.00% (Exclusive of SST & FED) Cheque or bank draft or pay order, made payable to CDC Trustee Unit Trust of Pakistan Management Qaulity Rating AM2 by JCR-VIS FY 2018 Fund 15.1% 11.8% -12.5% % -5. FY % 23% FY % 18% FY % 8% FY % 4% 24% 12% The returns mentioned are on absolute return basis. * Average Annualized Return since inception as per Morning Star formula Performance data does not include the cost incurred directly by an investor in the form of sales load etc. The performance reported is net of management fee & all other expenses and based on dividend reinvestment gross of with-holding tax where applicable.

9 JS Cash Fund JS Cash Fund (JS CF) is an open-end Money Market Scheme that mainly invests in low risk short-term fixed income instruments including money market instruments to provide a regular return to investors while maintaining high liquidity with minimum downside risk. JS CF also manages to seek preservation of capital, liquidity and competitive yields. Same-day redemption facility available* Better expected returns vis-à-vis bank accounts Low volatility and high liquidity Fund Rating Front end Load Management Qaulity Rating *Rating by JCR-VIS FY 2018 Fund 8.4% 7.9% 5.3% 5.5% The returns mentioned are on annualized return basis. Entitled to tax credit (rebate) under the prevailing tax laws No charges on redemption *Subject to terms and conditions. However, Constitutive Documents also allow up to 06 working days JS Cash Fund (JS CF) Open End Money Market Scheme AA(f)* Extremely Low 70% three (3) months PKRV rates + 30% three (3) months average deposit rate of three (3) AA rated scheduled Banks as selected by MUF AP 1.00% 0.% (Exclusive of SST & FED) Cheque or bank draft or pay order, made payable to MCB FSL Trustee JS Cash Fund AM2 by JCR-VIS 5.3% 5.5% FY % 9% FY % 9% FY % 8% FY % Performance data does not include the cost incurred directly by an investor in the form of sales load etc. The performance reported is net of management fee & all other expenses and based on dividend reinvestment gross of with-holding tax where applicable.

10 JS Islamic Hybrid Fund of Funds JS Islamic Hybrid Fund of Funds aims to generate need based returns for its clients by offering several Allocation Baskets/Plans with varying mix of exposures to low / high risk asset classes via underlying mutual funds. Investment Objectives of the Allocation Baskets/Plans initially offered under JSIHFOF are Mustanad, Mustahkem, Mutanasib, Mufeed & Munafa. A diverse portfolio of mutual funds; mitigate risk relating to the decisions of a single manager Investment in desirable institutional Shariah Compliant Funds Tax efficient returs and tax credit (under prevailing tax laws) Fund Rating Front end Load Management Quality Rating JS Islamic Hybrid Fund of Funds (JS IHFoF) Open- end - Shariah Compliant Fund of Funds A+ (Long Term), A1 (Short Term) Low-Moderate-High (as per allocation basket/plan) Weighted average daily return of KMI 30 index, six (6)/ three (3) month average deposit rates of three (3) 'A' rated scheduled Islamic Banks or Islamic Banking windows of scheduled Commercial Banks, as selected by MUFAP based on actual proportion of the Equity Portion consisting of Shariah Compliant Equity Funds, Income Portion consisting of Shariah Compliant Income and Money Market Funds, and any Cash or Near cash instruments in each of the Allocation Baskets" Mustanad 0% Mustehkam 0.5% Mutanasib Up to 3% Mufeed Up to 3% Munafa Up to 3% of NAV(FED & SST rate applicable) None (Up to 1% M.Fee p.a. applicable on investments made in CIS not managed by JSIL Cheque or bank draft or pay order, made payable to MCB FSL Trustee JS Islamic Hybrid Fund of Funds AM2 by JCR-VIS *Rating by PACRA Mustahkem Munafa Mustanad* Mutanasib* Mufeed* Inceptio n % -18.3% -0.8% 6.4% 2.1% -17.2% -9.1 % -18.0% -7.8% % -1.8% -2.1% -5.0% 0.2% 0.0% % -2.1% -4.4 % The returns mentioned are on annualized performance basis. Performance data does not include the cost incurred directly by an investor in the form of sales load etc. The performance reported is net of management fee & all other expenses and based on dividend reinvestment gross of with-holding tax where applicable.

11 JS Pension Savings Fund Fund Objective Eligibility Retirement age Investment Policy Types of Allocation Schemes Re-Allocation Policy Front-end Fee Tax Credit Withdrawal Early Withdrawal Transfer Free Insurance Cover Trustee Dealing Days & Cut off time 1 Required minimum contribution of PKR,000/-.Terms & conditions apply. For details please read clause 5.4 of offering Document (Page no. 20) Annual Taxable Income (PKR) (A) 2,100,000 3,0,000 5,000,000 21,000,000 2,100,000 3,0,000 5,000,000 21,000,000 1 Tax Slab Slab 5 Slab 6 Slab 7 Slab 8 Slab 5 Slab 6 Slab 7 Slab 8 To provide a reliable source of savings and retirement income. Any individual holding valid CNIC / NTN / NICOP The retirement age for the participants shall be any between sixty and seventy years or twenty - five years since the age of first contribution to a pension funds, whichever is earlier. Under the prescribed guidelines of the SECP. Different Asset Allocations available to suit the Clients retirement goals. Atleast once a year, reallocation between sub fund shall be carried out by the Pension Fund Manager to bring in line with the allocation scheme selection. 3% on all Contributions 1.5% p.a. on average net assets of each Sub - Fund Up to 20% of taxable income till age of forty () years. or above Additional 2% p.a. for each year exceeding the age of forty years. Up to a maximum of 30% of the taxable income of the preceding year. At retirement (including permissible disability), withdraw % lump sum in cash free of any tax Remaining % balance may be utilized to: Purchase an Approved Annuity Plan from a Life Insurance / Takaful Company OR Transfer into an approved income payment plan offered by the JSIL Prior to minimum retirement age; subject to applicable tax and zakat Transfer part or whole amount to another Pension Fund of your choice Free accidental death and disability insurance of up to PKR 5 Million Central Depository Company of Pakistan Ltd. Gross Tax Liablity (B) 264,0 594,0 1,019,0 6,569,0 264,0 594,0 1,019,0 6,569,0 Allocation Scheme (Select only one) Debt Equity Money Market High Volatility nil 0 0 Medium Volatility Low Volatility Lower Volatility -60 nil Customized Asset Allocation* You may change your selected Allocation Scheme on an annual basis as per details provided in the Offering Document. *Customized Asset Allocation Scheme shall have the choice of investing up to 100 percent (i.e. between 0 100%) in any Sub-Fund(s). Monday to Friday (3.00pm) For Non Salaried Individual Permissible Investment For Tax Credit Mutual Funds 2 (C) 700,000 1,000,000 1,0, ,000 1,000,000 1,0,000 Pension Funds 3 (D) Age Years 700,000 1,000,000 4,200,000 Age 45 Years & Above 630,000 1,0,000 1,0,000 6,300,000 Sub-Fund Allocation (Specify % in increments of five) Mutual Funds E = (CxB/A) 52, , , ,2 52, , , ,2 Pension Funds F = (DxB/A) 52, , ,900 1,313,900 79,3 178,3 305,8 1,970,8 Tax Credit Total Tax Credit (PKR) I = ( E + F ) 105, ,800 7,800 1,783,1 132,2 297,2 9,7 2,4,100 Total (Ensure total is 100%) 2 Lower of 20% of Taxable Income or PKR 1,0,000/- 3 20% of Taxable Income; Additional 2% for each year of age exceeding years, subject to a max. Of 30% of the Total Taxable Income of the Preceding year Total Tax Credit (%) J = (I/Bx100) 27 37

12 JS Pension Savings Fund Fund Objective Eligibility Retirement age Investment Policy To provide a reliable source of savings and retirement income. Any individual holding valid CNIC /NTN/ NICOP JS investments Mon,tNni, Mutual Funds Bottari The retirement age for the participants shall be any between sixty and seventy years or twenty - five years since the age of first contribution to a pension funds, whichever is earlier. Under the prescribed guidelines of the SECP. Different Asset Allocations available to suit the Clients retirement goals. Types of Allocation Allocatlon Sch ma Sub Fund Alloa11tlon Total Schemes Re-Allocation Policy Front-end Fee Tax Credit Withdrawal Early Withdrawal Transfer Free Insurance Cover 1 Trustee (SeledorJyoneJ (Spedfy% In Increments of five) (Ensure total Is 10096) Dabt Equity MonayMark t HlghVoh1tllfty D DD 65.. o DD OJ@]@] Mad lum Volatility D -55 DD 15- DD DD OJ@]@] Low Volatlllty D DD DD DD OJ@]@] LowerVolatlllty D "" DD -60 DD OJ@]@] Customized Asset Allocation* D DOD DOD DOD OJ@]@] You may change your selected Allocation Scheme on an annual basis as per details provided in the Offering Document. *CustomCZed Asset Allocation Scheme shall have the choice of investing up to 100 percent (i.e. between ;, in any Sub-Fund(s). Atleast once a year, reallocation between sub fund shall be carried out by the Pension Fund Manager to bring in line with the allocation scheme selection. 3% on all Contributions 1.5% p.a. on average net assets of each Sub - Fund Up to 20% of taxable income till age of forty () years. or above Additional 2% p.a. for each year exceeding the age of forty years. Up to a maximum of30% of the taxable income of the preceding year. % lump sum in cash free of any tax Remaining % balance may be utilized to: At retirement (including permissible disability), withdraw Purchase an Approved Annuity Plan from a Life Insurance /Takaful Company OR Transfer into an approved income payment plan offered by the JSIL Prior to minimum retirement age; subject to applicable tax and zakat Transfer part or whole amount to another Pension Fund of your choice Free accidental death and disability insurance of up to PKR 5 Million Central Depository Company of Pakistan Ltd. Dealing Days & Cut off time Monday to Friday (3.00pm) 1 Required minimum contribution of PKR,000/-. Terms & conditions apply. For details please read clause 5.4 of offering Document (Page no. 20) For Salaried Individual Annual Permissible Investment Tax Credit Taxable Gross Tax For Tax Credit Income Tax Slab Liablity (PKR) Mutual Pension Mutual Pension Total Tax Total Tax Funds 1 Funds 2 Funds Funds Credit (PKR) Credit(%) (A) (B) (C) (D) E=(CxB/A) F = (DxB/A) I=( E+ F ) J = (1/BxlOO) AgeVears 2,100,000 Slab 7 189,0 37,900 37,900 75,800 2,900,000 Slab 8 339,0 580, ,000 67,900 67, ,800 A(\ 5,1,000 Slab ,2 1,030,000 1,030, ,6 182,6 365,300 21,000,000 Slab 12 5,622,000 1,0,000 4,200,000 1,571 1,124,0 1,525, Age 45 Years & Above 2,100,000 Slab 7 189,0 630,000 37,900 56,8 94,7 so 2,900,000 Slab 8 339,0 580, ,000 67, ,8 169,7 so 5,1,000 Slab ,2 1,030,000 1,545, ,6 273, ,625 21,000,000 Slab 12 5,622,000 1,0,000 6,300,000 1,571 1,686,600 2,088, Lower of 20% of Taxable Income or PKR 1,0,000/- 320% oft axable Income; Additional 2% for each year of age exceeding years, subject to a max. Of 30% of the Tota/Taxable Income of the Preceding year

13 JS Islamic Pension Savings Fund Fund Objective Investment Objective Eligibility Retirement age Investment Policy Types of Allocation Schemes Re-Allocation Policy Front-end Fee Tax Credit Withdrawal Early Withdrawal Transfer Trustee Dealing Days & Cut off time Shariah Advisors Annual Taxable Income (PKR) (A) 2,100,000 3,0,000 5,000,000 21,000,000 2,100,000 3,0,000 5,000,000 21,000,000 Tax Slab Slab 5 Slab 6 Slab 7 Slab 8 Slab 5 Slab 6 Slab 7 Slab 8 JS Islamic Pension Savings Fund. To provide a reliable Shariah Compliant source of savings and retirement income. Ensure optimum return and reasonable safety of capital by investing in Shariah Compliant securities and instruments approved by the Shariah Advisory Council. Any individual holding valid CNIC / NTN / NICOP The retirement age for the participants shall be any between sixty and seventy years or twenty - five years since the age of first contribution to a pension funds, whichever is earlier. Under the prescribed guidelines of the SECP. Different Asset Allocations available to suit the Clients retirement goals. At least once a year, reallocation between sub fund shall be carried out by the Pension Fund Manager to bring in line with the allocation scheme selection. 3% on all Contributions. 1.5% p.a. on average net assets of each Sub-Fund. Up to 20% of taxable income till age of forty () years. or above Additional 2% p.a. for each year exceeding the age of forty years. Up to a maximum of 30% of the taxable income of the preceding year. At retirement (including permissible disability), withdraw: % lump sum in cash free of any tax Remaining % balance may be utilized to: Purchase an Approved Annuity Plan from a Life Insurance / Takaful Company OR Transfer into an approved income payment plan offered by the JSIL Prior to minimum retirement age; subject to applicable Tax and Zakat. Transfer part or whole amount to another Pension Fund Manager of your choice Central Depository Company of Pakistan Ltd. Monday to Friday (3.00pm) Al- Hilal Shariah Advisory Board. Gross Tax Liablity (B) 264,0 594,0 1,019,0 6,569,0 264,0 594,0 1,019,0 6,569,0 Allocation Scheme (Select only one) Debt Equity Money Market High Volatility nil 0 0 Medium Volatility Low Volatility Lower Volatility -60 nil Customized Asset Allocation* You may change your selected Allocation Scheme on an annual basis as per details provided in the Offering Document. *Customized Asset Allocation Scheme shall have the choice of investing up to 100 percent (i.e. between 0 100%) in any Sub-Fund(s). For Non Salaried Individual Permissible Investment For Tax Credit Mutual Funds 1 (C) 700,000 1,000,000 1,0, ,000 1,000,000 1,0,000 Pension Funds 2 (D) Age Years 700,000 1,000,000 4,200,000 Age 45 Years & Above 630,000 1,0,000 1,0,000 6,300,000 Sub-Fund Allocation (Specify % in increments of five) Mutual Funds E = (CxB/A) 52, , , ,2 52, , , ,2 Pension Funds F = (DxB/A) 52, , ,900 1,313,900 79,3 178,3 305,8 1,970,8 Tax Credit Total Tax Credit (PKR) I = ( E + F ) 105, ,800 7,800 1,783,1 132,2 297,2 9,7 2,4,100 Total (Ensure total is 100%) 1 Lower of 20% of Taxable Income or PKR 1,0,000/- 2 20% of Taxable Income; Additional 2% for each year of age exceeding years, subject to a max. Of 30% of the Total Taxable Income of the Preceding year Total Tax Credit (%) J = (I/Bx100) 27 37

14 JS Islamic Pension Savings Fund Fund Objective Investment Objective Eligibility Retirement age Investment Policy Types of Allocation Schemes Re-Allocation Policy Front-end Fee Tax Credit Additional Withdrawal Early Withdrawal Transfer Trustee Dealing Days & Cut off time Shariah Advisors Annual Taxable Income (PKR) (A) 2,100,000 2,900,000 5,1,000 21,000,000 2,100,000 2,900,000 5,1,000 21,000,000 Tax Slab Slab 7 Slab 8 Slab 11 Slab 12 Slab 7 Slab 8 Slab 11 Slab 12 JS Islamic Pension Savings Fund To provide a reliable Shariah Compliant source of savings and retirement income. Ensure optimum return and reasonable safety of capital by investing in securities and instruments approved by the Shariah Advisory Council. Any individual holding valid CNIC or NTN / Passport Any age of above 60 years (Client s choice) Under the prescribed guidelines of the SECP. Different Asset Allocations available to suit the Clients retirement goals Atleast once a year, reallocation between sub fund shall be carried out by the Pension Fund Manager to bring in line with the allocation scheme selection. 3% on all Contributions. 1.5% p.a. on average net assets of each Sub-Fund. Up to 20% of taxable income till age of above years. 2% p.a. for each year exceeding the age of forty years. Up to a maximum of 30% of the taxable income of the preceding year. At retirement (including permissible disability), withdraw: % lump sum in cash free of any tax Remaining % balance may be utilized to: Purchase an Approved Annuity Plan from a Life Insurance / Takaful Company OR Transfer into an approved income payment plan offered by the JSIL. Prior to minimum retirement age; subject to applicable Tax and Zakat Transfer part or whole amount to another Pension Fund Manager of your choice Central Depository Company of Pakistan Ltd. Monday to Friday (3.00pm) Al- Hilal Shariah Advisory Board. Gross Tax Liablity (B) 189,0 339,0 913,2 5,622, ,0 339,0 913,2 5,622,000 Allocation Scheme (Select only one) Debt Equity Money Market High Volatility nil 0 0 Medium Volatility Low Volatility Lower Volatility -60 nil Customized Asset Allocation* You may change your selected Allocation Scheme on an annual basis as per details provided in the Offering Document. *Customized Asset Allocation Scheme shall have the choice of investing up to 100 percent (i.e. between 0 100%) in any Sub-Fund(s). For Salaried Individual Permissible Investment For Tax Credit Mutual Funds 1 (C) 580,000 1,030,000 1,0, ,000 1,030,000 1,0,000 Pension Funds 2 (D) Age Years 580,000 1,030,000 4,200,000 Age 45 Years & Above 630, ,000 1,545,000 6,300,000 Sub-Fund Allocation (Specify % in increments of five) Mutual Funds E = (CxB/A) 37,900 67, ,6 1,571 37,900 67, ,6 1,571 Pension Funds F = (DxB/A) 37,900 67, ,6 1,124,0 56,8 101,8 273,975 1,686,600 Tax Credit Total Tax Credit (PKR) I = ( E + F ) 75, , ,300 1,525,971 94,7 169,7 456,625 2,088,171 Total (Ensure total is 100%) 1 Lower of 20% of Taxable Income or PKR 1,0,000/- 2 20% of Taxable Income; Additional 2% for each year of age exceeding years, subject to a max. Of 30% of the Total Taxable Income of the Preceding year Total Tax Credit (%) J = (I/Bx100) 27 37