Branch Network Sindh Maatli G.T. Road Chakdara Karachi Mehar Kacheri Chowk Chitral Abul Hasan Isphani Road Mirpur Khas D.I. Khan Disclaimer Bahadurabad Mithi Kasur Dara Adam Khel (FR Kohat) Boat Basin Moro Agrow Kasur Haripur Bohra Pir Naushehro Feroz Kasur Mansehra ROSHAN KAL TAKAFUL • This Takaful product is underwritten by EFU Life – Window Takaful Chase Shaheed-e-Millat Nawabshah Pakpattan Mardan Clifton Block 2 Pano Aqil Agrow Pakpattan Matani Changan Cloth Market Sanghar Pakpattan Mingora Protection & Savings Plan Operations. It is not guaranteed by JS Bank Limited or its affiliates Delhi Colony Sehwan Shareef Nowshera and is not a JS Bank product. DHA 26th Street Shahdadkot Sahiwal Saleh Khana DHA Khadda Market Shahdadpur Chak 89 Dist. Sahiwal Shaidu (NWFP), Nowshera DHA Kh-e-Bokhari Sheikh Bhirkio Sahiwal Shakas DHA Kh-e-Ittehad Shikarpur Sialkot Timergara • The contributions received with respect to the Takaful policies are DHA Kh-e-Shahbaz Sultanabad Paris Road Topi DHA Korangi Road Phase I Tando Adam Shahabpura Upper Dir invested by EFU Life – Window Takaful Operations as per laid down DHA Phase 8 Tando Allah Yaar Sialkot Cantt DHA Zamzama Tando Jam Balochistan terms and conditions and is responsible for all underwriting risk. Dhoraji Tando Muhammad Khan Sheikhupura Quetta Electronic Market Thatta Agrow Sheikhupura M.A. Jinnah Road F.B. Area Umer Kot Sheikhupura Quetta Cantt Fisheries Zarghoon Road Punjab Agrow Allahabad Theeng Morr • All Takaful claims, charges and payments relating to the Takaful Garden East Dera Murad Jamali Garden West Lahore Agrow Chishtian Allama Iqbal Town Agrow Warburton Dukki Policies shall be the sole and exclusive responsibility of EFU Gulistan-e-Jauhar Gwadar Gulshan Chowrangi Azam Cloth Market Alipur Chatta Badami Bagh Arifwala Khanozai Life – Window Takaful Operations. Gulshan-e-Hadeed Khuzdar Gulshan-e-Iqbal Baghbanpura Attock Bahria Town Bahawalpur Loralai Hawksbay Road Muslim Bagh Hyderi Market Brandreth Road Bhakkar • The investment risk of the selected fund shall be borne by Cavalry Ground Bhalwal Ormara IBA City Campus Usta Muhammad Islamia College Chowburji Bahawalnagar the participant. Jheel Park Circular Road Burewala Azad Jammu & Jodia Bazar College Road Chah Chand Wala Jampur Kashmir Karachi Stock Exchange Building Daroughawala, Lahore Chakwal Bagh • The contributions in the plan are invested in the EFU Takaful Korangi Industrial Area DHA Airport Road Chichawatni Chaksawari Landhi DHA Phase VI Chiniot Charhoi Growth Fund. Lucky Star DHA T-Block Daska Dadyal M.A. Jinnah Road DHA Z-Block Depalpur Dina Malir Cantt Ferozepur Road Dera Ghazi Khan Hattian Marriott Road Gulberg Dinga Jatlan • The past performance of fund is not necessarily a guide to future Nazimabad Gulshan Ravi Gagoo Mandi Khui Ratta New Challi Ichra Bazar Ghakkar Mandi Kotli performance. Any forecast made is not necessarily indicative of New Sabzi Mandi Johar Town Gohadpur Mirpur North Karachi Industrial Area M.M. Alam Road Gojra Muza arabad future or likely performance of the funds and neither EFU North Napier McLeod Road Gulyana Naarr North Nazimabad Model Town Ha zabad Rawalakot Life – Window Takaful Operations nor JS Bank Limited will incur any Ocean Tower Mughalpura Haroonabad Sehensa Orangi Town New Garden Town Hasilpur Seri liability for the same. Paposh Nagar PECO Road, Lahore Jalalpur Jattan Raiwind Road Jaranwala Gilgit Baltistan Park Towers Clifton Chilas Progressive Centre, Shahrah-e-Faisal Shadbagh Jauharabad Shadman Town Jhelum Gilgit Regal Chowk Saddar Skardu • A personalized illustration of benefits will be provided to the Safoora Goth Shah Alam Market Jhang Shah Faisal Colony Shahdara Kachi Jamal Khanpur Federal Capital participant by sales representative. Please refer to the notes in the Shaheen Complex State Life Housing Society Lahore Kamoki Barakahu Shahrah-e-Faisal Sunder Industrial Estate Khanewal Blue Area illustration for detailed understanding of the various Terms and Shershah The Mall Kharian DHA Phase 2 Conditions; you are required to fully understand the illustration and SITE Timber Market Ravi Road Lala Musa E-11 Markaz Sohrab Goth Upper Mall Layyah F-10 Markaz other Terms and Conditions of the plan. Soldier Bazar Urdu Bazar Lodhran F-7 Markaz Teen Talwar Clifton Valencia Society Mouza Fadda (Mailsi) F-8 Markaz The Center Saddar Walton Road Mandi Bahauddin F-11 Markaz Islamabad Timber Market WAPDA Town Mandi Faizabad G-11 Markaz • JS Bank is just a promoter and corporate takaful agent of this product UP Morr Zarar Shaheed Road Mian Chunnoo G-13 Markaz Urdu Bazar Mouza Gajju Hatta Shujabad G-15 Markaz Rawalpindi Mouza Ghalwan Alipur to its valued customers. AECHS Gulberg Green Hyderabad Mouza Parhar Sharqi I-8 Markaz Anaj Mandi Bahria Town Phase 4 Muridke Bahria Town Phase 7 I-9 Markaz Citizen Colony Muzaargarh Islamabad Stock Exchange Cloth Market Bank Road Nankana Sahib • Taxes will be applicable as per taxation laws as stipulated by Chaklala Scheme 3, Rawalpindi Khanna Pul DHA Narowal NPF 0-9, PWD Road Latifabad Chakri Road Nekapura Sialkot relevant authorities. Falcon Complex Tarlai Latifabad No. 6 Okara B-17 Islamabad Qasimabad GHQ Rawalpindi Pattoki Saddar Khayaban-e-Sir Syed Pir Mahal Kurri Road Bahrain SITE Qaboola Manama Kohsar, Hyderabad Lalazar Rawalpindi Cantt Rabwa Peshawar Road Mouza Chak 72 N/P Sukkur Raja Bazar Rahimyar Khan IBA Sukkur Range Road Sadiqabad Military Road RCCI Industrial Estate Rawat Sambrial Shaheed Gunj Saidpur Road Sargodha Satellite Town Badin Talagang Bhiria City Faisalabad Taxila Chak 41 Jamrao Sanghar Ghulam Muhammadabad Toba Tek Singh Chambar Grain Market Ugoki Dadu Gulistan Colony Vehari Dharki Karkhana Bazar Wah Cantt Digri Liaqat Road Wazirabad Ghotki Satiana Road KPK Golarchi Peshawar Jacobabad Gujranwala Bank Square Dabgari Garden Jamshoro Grain Market Kandhkot G.T. Road Sheikhupura Road G.T. Road Kashmore Islamia Road Khairpur Multan Karkhano Market Khipro Abdali Road Naz Cinema, Peshawar Kot Ghulam Muhammad Bosan Road University Road Kotri Vehari Road Abbottabad Kunri WAPDA Town Phase 1 Bafa Larkana Gujrat Bannu

EFU Life House: Plot No. 112, 8th East Street, 0800-011-22 | www.jsbl.com Phase I, DHA, Karachi, Pakistan. Tel: (021) 111-EFU-HEM (111-338-436) 0800-011-22 | www.jsbl.com 345 Branches in 172 Cities Fax: (021) 34537519 345 Branches in 172 Cities Website: www.efuhemayahtakaful.com https://www.facebook.com/JSBankLtd/ https://www.facebook.com/JSBankLtd/ Allocation as Percentage of Indexation Bene t: ROSHAN KAL TAKAFUL Year Contribution Protection & Savings Plan 1 30% Under this option, the regular contribution will increase every year by 2 80% 5% of previous year’s contribution with appropriate increase in Roshan Kal Takaful is a protection & savings plan empowering you to benefits, without any medical evidence. Similarly, the Sum Covered of accomplish necessary financial goals while providing you peace of mind 3 90% the main plan and any additional riders, will increase in the same through valuable Takaful coverage benefits. Roshan Kal Takaful is a regular 4 to 5 100% proportion. However, one may opt to increase only the contribution contribution, unit-linked Wakalah Waqf Takaful plan that is Shari’ah 6 to 10 103% while keeping the Sum Covered at initial level. compliant, underwritten by EFU Life – Window Takaful Operations. 11 to 15 105% 16 to 20 107% Minimum Contribution What is Takaful? 21 to 25 110% The minimum contribution for the Roshan Kal Takaful plan is Rs. 20,000 Takaful is a Shari’ah compliant way of safeguarding yourself and your per annum. family against future financial losses. EFU Life’s Takaful model is based on Takaful (Protection) Death Bene t: the Wakalah-Waqf principal. Individuals in the community come together for a common purpose and contribute into a Waqf Fund operated by a In case of an unfortunate event of death during the membership Fund Management Expertise & Investments Takaful Operator to protect themselves against future financial losses. term, the Takaful benefit will be payable as follows: Avenues The Greater of Sum Covered or the Basic Cash value in Participant’s

Participants Investment Account (PIA). Your contribution is managed by experts to maximize capital growth by investing in a portfolio spread across a wide range of Shari’ah Plus Compliant investments such as: Contribution

Wakalah Fee The Cash Value from Fund Acceleration Contributions in the Participant’s Islamic mutual funds (Administration, Allocation Fee) Investment Contribution Investment Investment Account (PIA). Takaful Account Approved equity markets Maturity Bene t: Term deposits in Islamic Banks

Tabarru Sukuk Bonds (Takaful Donation) At the end of the membership term, the maturity benefit will be payable as follows: Wakalah Fee for Waqf Donation Managing Basic Cash Value of the Participant’s Investment Account (PIA) Waqf Fund WAQF (Unit-Linked) Operator's Fund (Participants’ Participants’ Takaful Fund) Investment Fund Waqf Donation, which depends on the Takaful cover and age of the Plus Participant, will be transferred from basic plan Contribution into Wakalah Fee for Investment Management Participant’s Takaful Fund. Cash Value from Fund Acceleration Contributions in the Participant’s Investment Account. Full & Partial Funds Withdrawal Opportunity Payment of Claims Surplus distribution as bonus units (If any) Additional Takaful Bene ts: Although not advisable, but as a member of Roshan Kal Takaful plan, Features of Roshan Kal Takaful you are entitled to make withdrawals from your plan. Your options are Participants can opt for following extra benefits: as follows: Roshan Kal Takaful plan provides flexibility in selecting the level of Takaful Additional Term Takaful cover as per your needs, as well as customizing the solution by including - Total cash value at any time. additional protection benefits. Takaful Family Income Benefit Takaful Accidental Death Benefit * - Partial withdrawal with at least Rs. 25,000 remaining as cash value. Protection Multiple: Takaful Accidental Death and Disability Benefit * Takaful Waiver of Contribution The Sum Covered is determined as the Basic Plan Annual Contribution Eligibility & Terms multiplied by the “Protection Multiple”, which may be selected from a The Roshan Kal Takaful plan is available to anyone between 18 and 65 range depending on the age at entry as illustrated below. *Note: Only one of the two accidental supplementary benefits may be selected. years, the maximum maturity age of the participant is 75 years. The term of the Takaful contract can vary between 10 and 25 years. Levels of Coverage Surplus Sharing: Age based on Protection Multiple Charges Minimum Maximum You can enjoy unique feature of Surplus Sharing in addition to risk mitigation benefits. By contributing Tabarru (donation) into the Following applicable charges, on the basic Takaful Plan, are 18 35 5 75 Participant’s Takaful Fund (PTF), you may be entitled to a share of possible based on the principle of Wakalat-ul-Istismar: 36 40 5 50 surplus in the form of bonus units in PIA to enhance your plan cash value. 41 49 5 30 • An Allocation Fee will be charged as Year 1: 70% - Year 2: 50 60 5 10 Fund Acceleration Contributions: 20% - Year 3: 10% - Year 4 and onwards: 0% 61 65 5 5 You can enjoy plan flexibility by further boosting your savings through • An Administration Charge of Rs.1,500 per annum will lump sum contribution during the policy period as Fund Acceleration be applicable. Allocation of Contribution: Contributions (FAC). The minimum FAC amount is Rs. 20,000 per payment. • B id Spread of 5% of allocable contribution will be charged. Year-wise allocation percentages of the participant’s contribution are • Investment Management Fee of 1.5% p.a. of the Fund Value • 100% of FAC payment is allocated to purchase units. shown in the table below: will be applied.