DUBAI ISLAMIC BANK Dubai Islamic Fixed Deposit Account offers the ideal mix of long and short

term benefits to depositors seeking attractive and Halal returns on their savings. Wi th a history of high profit payouts Dubai Islamic Fixed Deposit Account is an ex cellent investment vehicle for depositors with excess funds. By investing in the Dubai Islamic Fixed Deposit Account, the depositor (fund pro vider or Rabbul-Maal) authorizes DIBPL (fund manager or Mudarib) to invest his/h er funds on the basis of unrestricted Mudaraba contract according to the princip les of Sharia. DIBPL invests these funds in its Common Mudaraba Pool with other deposits and the shareholders equity. The profit on the Common Mudaraba Pool is d istributed amongst the shareholders and depositors on the basis of agreed upon we ightages which take into consideration the tenor, amount of deposit and profit p ayment frequency of the account. Fixed Deposit placements can be made in: Pak Rupees US Dollars Investment options are indicated below PAK RUPEES Tenors Monthly Profit payment Quarterly profit Payment Half Yearly Prof it Payment Maturity Profit Payment 1 Month NA NA NA Available 3 Month NA NA NA Available 6 Month NA NA NA Available 1 year Available Available Available Available 2 years Available Available Available Available 3 years Available Available Available Available 5 years Available Available Available Available 7 years Available Available Available Available US DOLLARS Tenors Monthly profit Payment 1 Month Available 3 Month Available 1 Year Available

payment Quarterly profit payment NA NA NA NA NA NA

Maturity Profit

Note: Profits are declared by the Bank on a monthly basis. Profit / loss may var y from month to month Features of the Fixed Deposit Account Free access to Dubai Islamic Internet Banking gives you the convenience to easil y monitor your fixed deposits Minimum investment amount as low as Pak Rs.100,000/- or USD 2000/ Available in tenors of 1, 3, 6 months or 1, 2, 3, 5 and 7 years Profit frequency options are monthly or quarterly, semi-annually or at maturity Pre-mature withdrawal shall be at the discretion of DIBPL. In case of such a pre mature encashment, profit shall be recalculated/adjusted on the basis of the wei ghtage of the tier for which the deposit has remained in the Bank

 24/7 Call Center with complete Tele-banking services Acceptable as Collateral for other Banking Facilities Profit sharing on Mudaraba basis within the Common Mudaraba Pool with weightage points allocated on the basis of tenor, amount of deposit and profit payment fre quency In case of loss Account Holder bears the loss in proportion to his/her investmen t in the Mudaraba Pool Account Holder can give instructions for re-investment or roll-over of deposit f or the next applicable period at the time of the booking MEEZAN BANK Certificate of Islamic Investment Truly Halal and Absolutely Riba-Free!

The Certificate of Islamic Investment (COII) is a Mudarabah-based deposit produc t through which you can invest your savings for periods ranging from 3 months to 5 years and earn Halal profit on a periodic basis. The Certificates of Islamic Investment is an ideal investment for Individuals, Sole Proprietorships, Partnerships and Limited Companies Key Features Enjoy a range of valuable features including: Investment can be made for 3 months, 6 months, 1 year, 2 years, 3 years and 5 y ears Profit payment options are monthly, quarterly or at maturity Minimum investment required for quarterly and on-maturity payment is Rs. 50,000/ Minimum investment required for monthly profit payment is Rs. 200,000/ Pre-mature withdrawal can be made as per approved schedule Profit sharing & Distribution Method The Bank calculates the profit of the deposit pool every month. Gross income of the deposit pool is shared between the Bank (Mudarib) and customers (Rab-ul-Maa l) on the basis of a predetermined profit-sharing ratio announced at the beginni ng of the month. The profit is distributed amongst the Account holders on the ba sis of predetermined weightages, announced at the beginning of the month. In cas e of a loss, as per the rules of Mudarabah, the Rab-ul-Maal shall bear the loss in the ratio of their investment. Premature Encashment of a Certificate(s) In case of Premature Encashment of a certificate(s), profit will be paid with re spect to the applicable product category rate mentioned below. Early Redemption Schedule for the Certificate of Islamic Investment (Effective: December 20, 2010) S No. Tenure Rates Applicable on Premature Encashment within Within 1 Month 1-3 Months 3-6 Months 6-12 Months 1-2 Years 2-3 Years 3-4 Years 5 Years 1. 3 Months No Profit Saving Account Rate 2. 3. COII 4. COII 5. COII 6. COII 7. COII 8. 6 Months 1 6 1 6 1 6 2 6 2 6 2 No Profit Saving Account Rate 3 Months COII 3 Months 3 Months 3 Months 3 Months 3 Months 3 Months

Year - Monthly Months COII Year -Quarterly Months COII Year -Maturity Months COII Years -Monthly Months COII 1 Year Years -Quarterly Months COII 1 Year Years -Maturity

No Profit No Profit No Profit No Profit Monthly COII No Profit Monthly COII No Profit

Saving Account Rate Saving Account Rate Saving Account Rate Saving Account Rate Saving Account Rate Saving Account Rate

COII 9. COII 10. COII 11. COII

6 Months COII 1 Year Monthly COII 3 Years -Monthly No Profit 6 Months COII 1 Year Monthly COII 3 Years -Quarterly No Profit 6 Months COII 1 Year Monthly COII 3 Years -Maturity No Profit 6 Months COII 1 Year Monthly COII No Profit Monthly COII No Profit Monthly COII No Profit Monthly COII

Saving Account Rate 2 Y Monthly COII Saving Account Rate 2 Y Monthly COII Saving Account Rate 2 Years Monthly COII Saving Account Rate 2 Years Monthly COII Saving Account Rate 2 Years Monthly COII Saving Account Rate 2 Years Monthly COII

3 Months 3 Months 3 Months 3 Months 3 Years 3 Months 3 Years 3 Months 3 Years

12. 5 Years- Monthly COII 6 Months COII 1 Year Monthly COII 3 Years QuarterlyCOII 13. 5 Years- Quarterly COII 6 Months COII 1 Year Monthly COII 3 Years QuarterlyCOII 14. 5 Years- Maturity COII 6 Months COII 1 Year Monthly COII 3 Years QuarterlyCOII