---

Monthly Average Amout Balance

Claim Account

---

Rs.10,000/-to Rs.49,999

Rs.250,000

---

Rs.50,000/-to Rs.249,999

Rs.500,000

---

Rs.250,000/-to Rs.499,999

Rs.750,000

Rs.500,000/-& Above

Rs.1,000,000

Terms & Conditions

---

This is a free service for all Chequing account hoolders maintaining monthly average balance of Rs. 10,000/-or above.

All new and existing accounts, (indivisual,Joint, Rupee or Foreign Currency chequing accounts, both Current and Mudarabah
based savings deposits), whether dormant or active, shall be automatically enrolled in the scheme.

In addition to indivisual and joint, sole proprietorships account are eligible for covering this scheme;however corporate
accounts, partnership firms and other account types are exculded from this scheme.

This scheme only applies to the balances of the chequing accounts and does not apply to the Certificates of Islamic Investments(COlls).

Accounts with last month average balance of less than PKR 10,000-are exculded from Takaful cover of Accidental Death and
Permanent Disability. Customers aged 60 or above are exculded from Takaful cover of Accidental Death and Permanent
Disability but eligible for the ATM cash withdrawal Takaful.

In case of joint accounts, only single coverage will be offered.

Exceptions

---

bodily injury willfully incurred.

Death, bodily injury due to or resulting from intentional self injury, or attempted suicide(Wether felonious or not) or from deliberate exposure to exceptional danger (except in an attempt to save Car Life).

Death bodily injury due to or resulting from or happening during intoxication, insanity, fighting or unlawful act on part of the particepant or surgical or medical treatment, except in case where such treatment is made necessary by the particular injury for whcih of the claim is made.

Death or bodily injury sustained by the participant whilist flying other than as a fare-paying pessenger in an aircraft operated by a licensed and regular airline over an established route with published schedules.

Death or bodily injury directly or indirectly due to or resulting from war, invasion act of foreign enemy, hostilities, warlike operations (whether war be decleared or not), civil war, rebellion, revolution, terrorism, insurrection,military or unsurped power, riot or civil commotion.

Death or bodily injury resulting from service on duty with ahmed forces.

Big-Games", Polo, motorcycling,hunting , steeple chasing mountaineering (involving the use of ropes or guides), racing of any kind,winter sports and hang-gliding bungee jumps, the use of circular saw or wood working machinery.

Childbirth or pregnancy in case of women.

AIDS or AIDS related complexity.