BACKNEXT END BUSINESS STRATEGY Prepared by: Raheel Rehman Presented to: Board Members Date: 05/12/2014

Kasb e Halal Certificate Certificate of Musharaka (Existing Product) Assets- Launched Residual Value Corolla / Fortuner (Launched) New Opportunity Banca Takaful (Family Takaful) WAY FORWARD Prepared by: Raheel Rehman

Offers an avenue of opportunity for depositors seeking a fair return on their investments, in accordance with the principles of Islamic Shariah Funds raised through issuance of Certificates of Musharaka will be used strictly in Shariah compliant products. For seeking a fair benefit in business or asset creation can now take advantage through investment in Certificate of Musharaka of KASB Modaraba. Offers an avenue of opportunity for depositors seeking a fair return on their investments, in accordance with the principles of Islamic Shariah Funds raised through issuance of Certificates of Musharaka will be used strictly in Shariah compliant products. For seeking a fair benefit in business or asset creation can now take advantage through investment in Certificate of Musharaka of KASB Modaraba. Certificate of Musharaka Riba free investment Governed by Islamic principles of Shariah. Deposit starts with an amount of Rs. 25,000 Certificates are transferable through a simple process. Investments are subject to withholding tax and zakat where applicable. Investments can be made for 3 months, 6 months,1 year & 3 Years with profit on maturity and monthly options. Certificates are denominated in Pak Rupees only. Riba free investment Governed by Islamic principles of Shariah. Deposit starts with an amount of Rs. 25,000 Certificates are transferable through a simple process. Investments are subject to withholding tax and zakat where applicable. Investments can be made for 3 months, 6 months,1 year & 3 Years with profit on maturity and monthly options. Certificates are denominated in Pak Rupees only. Features Prepared by: Raheel Rehman

Cost & Budget 2015 New Name (Kasb-e-Halal- Income Certificate of Mushraka) Invest for Halal Income No Change in Profit Rate 3 Months Maturity8.75% 6 Months Maturity 9.00% 1 Year Maturity 9.25% 2 Year Maturity10.00% 3 Year Maturity10.50% 1 Year Monthly 8.75% 2 Year Monthly9.50% 3 Year Monthly10.00%` Profit Rate PKR MillionJan'15Feb'15Mar'15Apr'15May'15Jun'15July'15Aug'15Spt'15Oct'15Nov'15Dec'15Total PE Balance ,008.0 Avg. Revenue - Estimated (17%) Total Cost (A+B) Net Income - Estmated (1.8)(1.5)(1.0)(0.4) Administrative Cost - Estimated (A) COF (9%) - Estimated (B) Sales Team Personal Financial Advisor48 Business Manager Area Manager Prepared by: Raheel Rehman

Launched – RV Model Prepared by: Raheel Rehman

The value of an asset at the conclusion of the Ijarah / lease term or the price at which a fixed asset is expected to be sold at the end of its useful life is commonly referred as Residual Value (RV). KASB Modaraba introduced Residual Value Financing which ranges from 20% to 50%. The customer can enjoy the benefits of Residual Value and afford luxury with economy. The value of an asset at the conclusion of the Ijarah / lease term or the price at which a fixed asset is expected to be sold at the end of its useful life is commonly referred as Residual Value (RV). KASB Modaraba introduced Residual Value Financing which ranges from 20% to 50%. The customer can enjoy the benefits of Residual Value and afford luxury with economy. Residual Value -Totally Shariah Compliant Car Financing Scheme -Luxury Car at a minimum monthly rental -Drive a Toyota Corrolla - XLI car and pay a monthly rental of Suzuki Cultus. -Financing for 3 Years -Buy/return option at the end of Ijarah / Lease Tenure -Purchase Option: Customer will have an option to purchase the vehicle from KASB-Modaraba on pre-agreed Residual Value -Return Option: Customer will have an option to return the vehicle to KASB-Modaraba (KASB-Modaraba will conduct 3rd party vehicle assessment of condition) -Ownership with KASB Modaraba -Residual Value upto 50% -Competitive Service -Lowest processing charges -Lowest up front payment -Premature Termination as per Schedule -Takaful (Upfront/Monthly) -Accidental death coverage upto Rs. 500,000/- -Free tracker installation & monitoring. -Totally Shariah Compliant Car Financing Scheme -Luxury Car at a minimum monthly rental -Drive a Toyota Corrolla - XLI car and pay a monthly rental of Suzuki Cultus. -Financing for 3 Years -Buy/return option at the end of Ijarah / Lease Tenure -Purchase Option: Customer will have an option to purchase the vehicle from KASB-Modaraba on pre-agreed Residual Value -Return Option: Customer will have an option to return the vehicle to KASB-Modaraba (KASB-Modaraba will conduct 3rd party vehicle assessment of condition) -Ownership with KASB Modaraba -Residual Value upto 50% -Competitive Service -Lowest processing charges -Lowest up front payment -Premature Termination as per Schedule -Takaful (Upfront/Monthly) -Accidental death coverage upto Rs. 500,000/- -Free tracker installation & monitoring. Features XLI MTGLI MTGLI ATGRANDE CVT Retail Sales PricePKR 1,627,500/-PKR 1,752,500/-PKR 1,827,500/-PKR 302,500/- DOWN PAYMENTPKR 162,750/-PKR 175,250/-PKR 182,750/-PKR 230,250/- RESIDUAL VALUE (50%)PKR 747,375/-PKR 803,625/-PKR 837,375/- PKR1,073,625/ - CONVENTIONAL Rental (Starts From) PKR 63,942/-PKR 68,755/-PKR 71,642/-PKR 91,855/- RV Rental (Starts From) PKR 43,775/-PKR 47,069/-PKR 49,046/-PKR 62,884/- VARIANCEPKR 20,167/-PKR 21,686/-PKR 22,596/-PKR 28,971/- Target Executives of all large multinationals, Local Firms & Individual Customers. The team of KASBM is quiet confident that the RV scheme of Car financing will attract the market and the desired goal would be achieved. During last 06 months, KASBM has successfully financed 76 vehicles that is average 13 vehicles per month and all the vehicles are performing satisfactorily. I It is expected that by the help of the recommended promotional activity our normal car financing would also increase. The major car dealers of Karachi, Lahore and Islamabad would also be contacted for car financing and would be awarded the incentives for promotion of the scheme. The KASB Modaraba can conservatively earn Rs. 200,000/- per vehicle per year Marketing Plan Prepared by: Raheel Rehman

BancatakafulBusiness Partner Prepared by: Raheel Rehman

Introduction Distribution Revenue Contribution Pak-Qatar Banca Takaful (Family Takaful) is a sharia alternate to Bancassurance. Shari’ah-compliant alternative to conventional insurance. Selling and Marketing of Family Takaful products through Bank / NBFI’s & Others institution. Bancatakaful provides banks & NBFI’s an opportunity to provide need based financial solutions to already tied customers enhancing the total value for its customers and revenue for banks, NBFI’s & Other institution. Benefits to KASB Modaraba: Almost all banks are offering banassurance & Banca takaful. No Modaraba Company offers banca takaful to customers uptill now. Third Party Product Non Funded income No extra administrative cost, as we are expending sales team. Unique diversification and alternative arrangement of earnings. Benefits to KASB Modaraba: Almost all banks are offering banassurance & Banca takaful. No Modaraba Company offers banca takaful to customers uptill now. Third Party Product Non Funded income No extra administrative cost, as we are expending sales team. Unique diversification and alternative arrangement of earnings. Objective Increase the product basket and profitability of the Modaraba. Management has decided to explore other avenues to generate income without making any investment. Increase Non funded income of KASB Modaraba. Objective Increase the product basket and profitability of the Modaraba. Management has decided to explore other avenues to generate income without making any investment. Increase Non funded income of KASB Modaraba. Prepared by: Raheel Rehman

BACKNEXT END TAKAFUL Takaful is a Halal & Ethical way to fulfill the financial protection and savings needs. Islamic way of safeguarding against specific risks. Takaful is a transparent and ethical arrangement which assists participants to share their risks on the basis of brotherhood and mutual solidarity for common goods. RISK The possibility of a premature death, disability or loss of any material possession losses Risk of great hardships for the dependents if God Forbid, a family’s sole breadwinner passes away or meet life altering disability in a major accident suddenly. Business Partner The management is planning to join hands with Pak Qatar Family Takaful Limited. Pak Qatar will make necessary arrangements for the training of our staff, approvals from stakeholders. Benefits to Customer Prepared by: Raheel Rehman

BACKNEXT END Family Takaful  Participant mitigates the risks pertaining to lives by acquiring a membership of the Waqf Fund.  In addition to the protection element, Family Takaful is also used for the investment needs through another fund which is called the Participant’s Investment Account. General Takaful  Participant mitigates the risks to the assets like motors, houses, stocks etc.  In the event of any defined loss to the assets, the Waqf Pool compensates. Prepared by: Raheel Rehman

Steps of Bancatakaful Launch Product Development. Agreement signing Takaful company will forward agreement to SECP and sharia for approval Staff Training Brochure and Marketing activities Operational and Back office staff training Soft Launch & Full Launch Steps of Bancatakaful Launch Product Development. Agreement signing Takaful company will forward agreement to SECP and sharia for approval Staff Training Brochure and Marketing activities Operational and Back office staff training Soft Launch & Full Launch Prepared by: Raheel Rehman Sales Staff Budget Premium Monthly Yearly Premium Commission Rate Expected income ,400,00060% 8,640,000 Expected Earnings ‘2015

Prepared by: Raheel Rehman