ABL Funds- Conventional Products (3)

1. 17. 10. 2022 ABL Funds Our Product Offerings PRESENTATION TITLE

2. CONVENTIONAL OFFERINGS

3. Name of Collective Investment Scheme Risk of Principal Erosion Category Risk Profile ABL Cash Fund Money Market Scheme Low Principal at low risk ABL Special Savings Find (Plan I,II,III,IV,V and VI) Low Principal at low risk Capital Protected Scheme (Non-Equity) ABL Special Savings Fund (Fixed Return Plan) Low Principal at low risk ABL Government Securities Fund Moderate Principal at moderate risk Income Fund Scheme ABL Income Fund Medium Principal at medium risk ABL Financial Planning Fund (Conservative Allocation) Medium Principal at medium risk Fund of Fund Scheme ABL Financial Planning Fund (Active Allocation) High Principal at high risk Equity Fund Scheme ABL Stock Fund High Principal at high risk Asset Allocation Scheme High Principal at high risk Allied Finergy Fund

4. ABL CASH FUND ABL Cash Fund (ABL CF) aims to deliver stable returns and preserve capital by investing in high quality short-term instruments, avoiding long-term fixed income and stock market volatility. Its primary goal is to offer investors consistent returns with high liquidity through a mix of money market and sovereign debt instruments. A suitable choice for investors seeking secure, short-term returns with minimized risk and maximum liquidity. Investment Objective: The Fund’s primary objective is to provide investors consistent returns with a high level of liquidity, through a blend of money market and sovereign debt instruments. Key Features • The Fund invest in high quality instruments with issue or entity rating of minimum ‘AA’. • It serves as ideal cash parking avenue alternative to traditional savings accounts and also used in efficient asset allocation strategy to provide balance in the portfolio. • Stable returns avoiding volatility of both long-term fixed income securities and stock markets. • Actively managed by seasoned and professional fund managers • No lock-in period/back-end load. Benchmark Front-End Load Management Fee *70%-Avg of 3M PKRV rates + 30% 3M Avg Deposit Rate of 3 AA rated banks Up to 0.75% 0.5% p.a. of Net Assets

5. ABL INCOME FUND ABL Income Fund (ABL IF) aims to enhance your income without direct stock market exposure. It seeks competitive risk-adjusted returns by investing in various fixed income and debt instruments, both locally and globally. A suitable choice for investors seeking stable income and protection from stock market fluctuations over the medium to long term. Investment Objective: The objective is to earn competitive risk adjusted rate of return by investing in a blend of short, medium and long-term fixed income and debt instruments, both within and outside Pakistan. Key Features • The Fund seeks to provide stability and diversification opportunity to hybrid investment portfolio thus resulting in lower risk and competitive return on your investment. • The Fund provides an opportunity to generate optimal returns, while maintaining a balance of safety, yield and liquidity by investing in debt and money market securities. • It aims at long-term preservation of capital through prudent fund management. • Actively managed by seasoned and professional fund managers. • No lock-in period/back-end load. Benchmark Front-End Load Management Fee *6 Months KIBOR upto 1.5% 0.5% p.a

6. ABL GOVERNMENT SECURITIES FUND ABL Government Securities Fund (ABL GSF) aims to offer competitive, stable income by investing primarily in secure Government of Pakistan securities. It seeks optimal risk-adjusted returns through a mix of government securities and debt instruments. Suitable for medium-term investors seeking stable returns while preserving their principal and avoiding volatility in other fixed income and stock market options. Investment Objective: The objective of the scheme is to deliver optimal risk adjusted returns by investing mainly in mix of short to long term Government Securities and other debt instruments. Key Features • The Fund aims to provide safe investment avenue along with stable returns by investing mainly in a mix of short to long-term Government Securities and other debt Instruments. • It provides an opportunity to minimize the risks while maximizing liquidity. • A long-term regular income solution with the potential to maximize capital preservation. • Actively managed by seasoned and professional fund managers. • No lock-in period/back-end load. Benchmark Front-End Load Management Fee *6 Months KIBOR Upto 1.5% Class-B unit 1.25% p.a

7. ABL STOCK FUND ABL Stock Fund (ABL SF) seeks long-term high-growth, competitive returns with increased risk through a diversified equity portfolio. Investing in stocks globally is a proven way to build wealth and combat inflation, historically outperforming similar assets. While equity investments demand market knowledge, expertise, and time for portfolio management, ABL Stock Fund offers an efficient opportunity to harness equity growth potential and achieve your financial objectives. Investment Objective: To provide higher risk adjusted returns over the long term by investing in a diversified portfolio of equity instruments offering capital gain and dividends. Key Features • Ideal solution for long-term capital growth and wealth accumulation. • Diversification of stocks across a wide selection of companies and sectors • Potential to maximize total investor's returns, through both capital gains and dividend income with prudent investment management. • Strong record of long-term performance both in absolute terms and relative to its benchmark • Actively managed by seasoned and professional fund managers. • Begin to invest with as Low as 5,000/- • No Fixed-Term holding period requirement • Easy access to your money without any penalty Benchmark Front-End Load Management Fee KSE-100 Index Upto 2% 2% p.a

8. ALLIED FINERGY FUND Allied Finergy Fund (AFF) offers a unique opportunity for long-term capital growth through financial and energy sector investments. The fund dynamically allocates its portfolio among equities, fixed income, and money market assets based on the fund manager's macroeconomic assessments. Ideal for investors seeking long-term capital growth and diversification within their equity holdings through a sector-focused allocation approach. Investment Objective: To seek long term capital appreciation through investments in equity stocks, primarily from the financial and energy sector / segment / industry, fixed income Instruments, Money Market Instruments based on market outlook. Key Features • Pakistan’s 1stasset allocation sectoral fund based on financial & energy sectors. • Provides investors with an opportunity to benefit from potential capital appreciation opportunities by investing in index’s heavyweights namely financial & energy sectors. • Both the sectors are expected to have positive impact from rising oil prices/interest rates and PKR depreciation. • Invests in fundamentally strong liquid and dividend yielding stocks particularly of oil & gas exploration and commercial banks. • Actively managed by seasoned and professional fund managers. • No lock-in period/ back-end load. Benchmark Front-End Load Management Fee Weighted average daily return of KSE 100 index, (70% 3M PKRV + 30% 3M average deposit rate of 3 AA-rated scheduled banks as selected by MUFAP), based on the fund’s actual allocation in equity, fixed income & money market. Up to 3% 2% p.a of Net assets

9. ABL FINANCIAL PLANNING FUND ABL Financial Planning Fund aids in achieving financial goals by diversifying asset allocation through a portfolio of underlying assets. Investment Objective: The Fund aims to generate returns on investments as per the respective Allocation plan by investing in Mutual Funds in line with the risk tolerance of the investor. Key Features • Diversification, professional fund selection and built-in asset allocation, all bundled into one mutual fund. • An easy access to ABL’s flagship funds, all having different investment strategies, through one investment vehicle – ABL Financial Planning Fund (ABL FPF). • Periodic rebalancing to maintain pre-defined allocation ensures focused investment strategy eliminating human intervention. • Flexibility to choose investment plans based on different allocation strategies that suit varying risk profiles Benchmark Front-End Load Management Fee Weighted average return of KSE 100 Index and average 6 month deposit rate of three Banks Up to 2% NIL (upto 1.50% p.a. on the value of underlying Funds not managed by ABLAMC)

10. ABL SPECIAL SAVINGS FUND ABL Special Saving Fund offers regular profit payouts to boost income, leveraging high-yield fixed income securities with minimal risk. Investment Objective: ABL Special Savings Fund shall be an open-end Capital Protected Fund that aims to not only provide its unit-holders capital preservation but competitive regular returns from a portfolio of fixed income investments in line with the risk tolerance of the Investor. Key Features & Benefits • An opportunity that aims to offer attractive returns and maximum capital preservation at the end of initial maturity. • Up to 100% investment in ‘AAA’ rated Government Securities. • Regular profit payout on monthly or quarterly basis. • Actively managed by seasoned and professional fund managers. • Investment amount starts from as low as 5,000. Benchmark Front-End Load Management Fee *Average of 6 Months PKRV Rates **Average of 3 Months PKRV Rates. ***Average of 1 Month PKRV Rates Up to 2% Up to 1% p.a

11. ABL PENSION FUND Retirement planning is one of the most important life-stage goals which involves careful considerations and planning. ABL Pension Fund (ABL PF} Is a personalized saving plus investment tool for systematic retirement planning to ensure a comfortable post-retirement lifestyle. It has the potential to provide attractive returns and create wealth over your entire work life with the additional advantage of Tax Savings (as per the prevailing tax laws), thus significantly enhancing the overall yield on your Investment Investment Objective: To provide a secure source of savings and regular income after retirement to the Participants. Key Features & Benefits • The Pension Fund is Fully Yours and you have the choice of selecting allocation schemes • Affordable - ABL PF allows you to start investing with as little as Rs. 500 and subsequent contributions can also be made with Rs.500/- • Flexible and Convenient -You can choose to invest regularly through monthly, quarterly, half-yearly, or yearly installments or contribute as and when you want, without any risk o! penalties on missing payments. • Tax Efficient Structure - Gain earned on contributions made in ABL Pension Fund is accumulated Tax-free till retirement. • Tax Credit (as per ITO section 63) on upto 20%• of your taxable income. • Range of Investment Options - The participant has the option to choose from various Allocation Schemes. • Opportunity to take 100% exposure to one particular asset dass for building retirement as per the risk and return requirement.

12. ABL PENSION FUND Key Features & Benefits (Continued) • Accessible - It provides retirement security to all salaried employees, self-employed individuals, licensed professionals and low-income individuals. • Portable - Your pension account will stay with you even when you change jobs. Your account in ABL PF stays intact and continues with or without the new employer and contributions can be resumed at any time either through the new employer, your personal contribution or both. Moreover, you can transfer your pension account to another Pension Fund manager of your choice as and when you like, again without any charge or penalty. • Retirement- Lump-sum Payment - On retirement, participants can withdraw up to 50% of the accumulated balance from their pension account. tree of tax. The remaining 50% can be used for the Monthly Income Payment Plan offered by the Pension Fund Manager (Disbursement of MIPP is subject to applicable Tax laws). • Premature Retirement - Death or disability, as defined in VPS Rules is deemed as ret1rement. This entitles the nominees to encash 50% of the accumulated balance, again free of tax. • Choose Your Retirement Age - A Participant has the freedom to choose retirement age (any time between 60 and 70) or 25 years from the age of first contribution wI1icllever is easier. In case of any permanent disability, participants can choose retirement age earlier. • No penalties on missing payments. • No lock in Period - however staying in the scheme is the essence to build up to your retirement Front-End Load Management Fee Maximum of 3% on all Contributions, unless exempt under the Offering Document 1.5 % p.a. on average Net Assets of each Sub-Fund

13. Disclaimer: All investments in Mutual Funds and Pension Funds are subject to market risks. Past performance is not necessarily indicative of future results. Please read the Offering Documents of the funds to understand the investment policies and the risks involved.