Branch Network Investment Plan Sindh Digri Saidpur Road Nekapura (Distt. Sialkot) Ghotki Sattelite Town Okara Abul Hasan Isphahani Jacobabad Faisalabad Pir Mahal Bahadurabad Jamshoro Grain Market Qaboola RoshanKal Bohra Pir Kotri Gulistan Colony Rabwa Cloth Market Kandhkot Karkhana Bazar Rahim Yar Khan Dehli Colony Khairpur Liaquat Road Sadiqabad DHA 26th Street Khipro Satiana Road Sahiwal DHA Bokhari Commercial Kunri Gujranwala Sambrial DHA Kh-e-Ittehad Larkana Bank Square Sargodha Maatli G. T. Road Taxila For an even DHA Kh-e-Shahbaz DHA Khadda Market Mehar Sheikhupura Rd Toba Tek Singh DHA Korangi Road, Phase 1 Mirpurkhas Multan Vehari DHA Phase VIII Mitthi Abdali Road Ugoki DHA Zamzama Moro Bosan Road Wazirabad brighter tomorrow Dhoraji Nawabshah Vehari Road Federal B. Area Pano Aqil Gujrat Khyber Pakhtunkhwa Garden West Qambar G. T. Road Peshawar Gulistan-e-Jauhar Sanghar Kacheri Chowk Dabgari Gardens Gulshan Chowrangi Sehwan Shareef Kasur Fakhar-e-Alam Road Gulshan-e-Hadeed Shahdadkot Agrow, Kasur Grain Market Gulshan-e-Iqbal Shahdadpur Chandni Chowk Sikandarpura Hawksbay Road Sheikh Bhirkio Pakpattan Karkhano Hayatabad Hydri Market Shikarpur Agrow, Pakpattan University Road IBA City Campus Sultanabad Pakpattan Sharif Abbotabad Islamia College Tando Adam Sialkot Attock Jheel Park PECHS Tando Allahyar Shahabpura Bafa Jodia Bazar Tando Jam Sialkot Cantt Chitral Tando Muhammad Khan Sheikhupura D.I.Khan Thatta Agrow, Sheikhupura Haripur Umerkot Sheikhupura Branch Mardan Lucky Star Usta Muhammad Arifwala Mingora M. A. Jinnah Road Bahawalpur Saleh Khana Malir Cantt Punjab Bhakkar Timergara Marriott Road Lahore Bahawalnagar Topi N. Karachi Industrial Area Airport Road Burewala Nazimabad Allama Iqbal Town Chak 89 (Distt Sahiwal) Balochistan New Challi Azam Cloth Market Chakwal Quetta North Napier Badami Bagh Chah Chand Wala (District M. A. Jinnah Road North Nazimabad Baghbanpura Rajanpur) Quetta Cantt , Clifton Bahria Town Chichawatni Zarghoon Road Orangi Brandreth Road Chiniot Chamman Park Towers, Clifton Cavalry Ground Chishtian Azad Jammu & Kashmir Progressive Plaza Chowburji Daska Regal Chowk, Saddar Circular Road Dera Ghazi Khan Chaksawari S.I.T.E. College Road Dinga Charhoi Saddar DHA Phase VI Dipalpur Dadyal Safoora Goth DHA T-Block Ellahbad Theengmorr Dina Shah Faisal Colony DHA Z-Block Gagoo Mandi Jatlan Shaheen Complex Ferozepur Road Gojra Khui Ratta Shahrah-e-Faisal Gulberg Gohadpur Kotli Shershah Ichra, Ferozepur Road Gulyana Mirpur Sohrab Goth Johar Town Jalalpur Jattan Teen Talwar Clifton M. M. Alam Road Naarr The Center Model Town Haroonabad Rawalakot Timber Market Mughalpura Hasilpur Sehnsa U.P. Morr Raiwind Road Jauharabad Hattian Urdu Bazar Shadman Town Jehlum Seri Shah Alam Market Jhang Hyderabad Gilgit-Baltistan Anaj Mandi Shadbagh Kamoki Citizen Colony Shahdara Khanewal Gilgit Upper Mall Kharian Cloth Market Federal Capital DHA Urdu Bazar Lalamusa Blue Area Latifabad WAPDA Town Layyah E-11 Qasimabad The Mall Branch Lodhran F-10 Saddar Bazar Zarrar Shaheed Road Mandi Bahauddin F-7 SITE Hyderabad Rawalpindi Mandi Faizabad F-8 Sukkur Airport Housing Society Mian Chunnoo G-11 IBA Campus Bahria Town Mouza Kachi Jamal (Distt. G-13 Military Road Bahria Town, Phase 7 Khanpur) G-15 Shaheed Gunj Bank Road Mouza Parhar Sharqi I-8 Badin Chakri Road I-9 Bhiria DHA Phase 2 Muridke Islamabad Stock Exchange Chak 41 Jamrao Road Khayaban-e-Sir Syed Khanna Pul (Distt. Sanghar) Kurri Road Nankana NPF 0-9, PWD Road Dadu Peshawar Road Nankana Sahib Tarlai Kalan Dera Murad Jamali Raja Bazar Narowal Range Road

Plot No. 112, 8th East Street Phase 1, DHA Karachi. Access to Savings Overcome life’s challenges with JS Bank’s • After the contributions have been made for two full years, the RoashanKal Investment Plan. fund can be withdrawn for its full or partial value. • In case the customer opts for compete surrender, all units in the fund will be en-cashed at the current bid price and the plan will be cancelled. foundations for an even brighter tomorrow. Roshan Kal allows you to plan your monetary growth and at the same You can also avail other options apart from the benefits offered time gives you a comprehensive life protection plan. The under the basic plan to enhance the overall advantage you get from perfect plan for a brighter future, exactly what you and your RoshanKal, such as: family deserve. • Infaltion Protection • AdditionalTerm Assurance Features of RoshanKal • Accidental Death and Disability Benefit Opportunity for Growth • Accidental Death and Disability Plus Benefit • Every contribution in RoshanKal is utilized to purchase units in the • Family Income Benefit selected fund. Policyholders have an option to select a unit fund based • Life Care Plus Benefit on their risk preferences and investment objectives at the policy • Waiver of Premium inception. The funds available are: Unit Allocation 40

• EFU Managed Growth Fund • EFU Guaranteed Growth Fund Policy Year Allocation • The objective of the fund is to maximize capital growth by investing in a balanced portfolio spread across a wide range of shares, 1 Year 40% government and other fixed interest securities and cash. The fund is 2 Year 80% managed by investment experts who adjust the mix of the underlying 3 Year 90% investments in light of economic conditions and investment 4 to 10 Year 100% opportunities. 11 Onwards 100% plus Loyalty Bonus Allocation Minimum Premium The minimum premium is PKR 24,000 per annum. Charges 30 Loyalty Bonus • Investment Management Charge: 0.125% of the value of the fund per month. You can enjoy loyalty bonus for your long standing relationship.these Bid/Offer Spread: 5 % of the net regular premium. bonus unit will be applicable every 5 years starting from the end of 11th • Administration Charge: Rs. 30 per month. Ipolicy year. The loyalty bonus allocation,in addition to the basic plan D•isclaimers contribution,is as follows • This product is underwritten by EFU Life Assurance Ltd. It is not guaranteed Policy year Extra Unit Allocation or insured by JS Bank Limited or its affiliates and is not a JS Bank Limited 11 30% product. 16 45% Growth in the value of your contributions depends on the performance of 60% • 21 the selected Fund in which the contributions are invested. 26 75% 31 90% And so on in later years • All investments made in the selected Fund are subject to market risks. The past performance of the fund is not necessarily a guide to future Fund Acceleration Premium(FAP) performance. Any forecast made is not necessarily indicative of future or RoshanKal is a regular contribution plan but also gives you the exibilty to likely performance of the Fund and neither EFU Life Assurance Ltd. nor JS top up your savings by depositing surplus funds as lump sum contribution Bank Limited will incur any liability for the same. The investment risk of the called" Fund Acceleration Premium".(FAP) payments can be made at any selected Fund shall be borne by the policyholder. policy anniversary .The FAP payments will incraesethe cas value of the • A personalized illustration of benefits will be provided to you by our sales plan , but will not eect the sum assured. representative. Please refer to the notes in the illustration for detailed The minimum FAP payment is Rs. 24,000 understanding of the various Terms and Conditions. Investment with a Safety Net • Taxes will be applicable as per the taxation laws as stipulated by the • The moment you start saving with RoshanKal you will enjoy a relevant authorities. guaranteed level of life assurance protection. This cover means that in • JS Bank Limited reserves the right to levy such additional charge(s) as may case of death, dependents will receive the sum assured or the cash be required, to facilitate the making of contribution in the plan, in the event value of the plan at the time of death (whichever is higher) and any that the arrangement between JS Bank Limited and EFU Life Assurance cash values of FAP payments. Limited is discontinued. • A description of how the contract works is given in the policy provisions • Depending on the current stage of one’s life and the need for life and conditions. This product brochure only gives a general outline of the assurance protection, the plan offers the facility of selecting a low or product features and benefits. high level of sum assured as circumstances change. • JS Bank is just promoter and distributor to its valued customers.