Premature Encashment of a Certificate(s) In case of Premature Encashment of a certificate(s), profit will be paid with respect to the applicable product category rate mentioned below. Early Redemption Schedule for the Meezan Aamdan Certificate (Effective Nov 1, 2009) S.No. Premature Encashment Rates Applicable 1. Within 1 month No Profit 2. 1 Month to less than 1 Year 30%-Saving Account Rate 3. 1 Year to less than 5 Years Monthly COII rates of respective period 4. 5 Years and above 5 Year - Monthly COII rate Early Redemption Schedule for the Certificate of Islamic Investment (Effective: July 17, 2008) S No. Tenure Rates Applicable on Premature Encashment within     1 Months 3 Months 6 Months 12 Months 2 Years 3 Years 4 Years 5 Years 1. 3 Months No Profit 40%-Saving Account Rate             2. 6 Months No Profit 40%-Saving Account Rate 3 Months COII           3. 1 Years - Monthly No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII         4. 1 Years -Quarterly No Profit 40%-Saving Account Rate 3 Months COII 6 Months COIII         5. 1 Years -Maturity No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII         6. 2 Years -Monthly No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII 1 Year Monthly COII       7. 2 Years -Quarterly No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII 1 Year Monthly COII       8. 2 Years -Maturity No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII 1 Year Monthly COII       9. 3 Years -Monthly No Profit 40%-Saving Account Rate 3 Months COII 6 Months COIII 1 Year Monthly COII 2 Y Monthly COII     10. 3 Years -Quarterly No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII 1 Year Monthly COII 2 Y Monthly COII     11. 3 Years -Maturity No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII 1 Year Monthly COII 2 Years  Monthly COII     12. 5 Years- Monthly No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII 1 Year Monthly COII 2 Years  Monthly COII 3 Years  Monthly COII 3 Years  QuarterlyCOII 13. 5 Years- Quarterly No Profit 40%-Saving Account Rate 3 Months COII 6 Months COIII 1 Year Monthly COII 2 Years  Monthly COII 3 Years  Monthly COII 3 Years  QuarterlyCOII 14. 5 Years- Maturity No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII 1 Year Monthly COII 2 Years  Monthly COII 3 Years  Monthly COII 3 Years  QuarterlyCOII Early Redemption Schedule for the Meezan Providence Certificate (Effective: July 17, 2008) S No. Tenure Rates Applicable on Premature Encashment within     3 Months 6 Months 12 Months 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 1. 2 Yr - 6 Monthly No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII           2. 2 Yr - Maturity No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII           3. 3 Yr - Maturity No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII 1 Year Monthly COII         4. 5 Yr - Maturity No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII 1 Year Monthly COII 2 Year Monthly COII 3 Year Monthly COII     5. 7 Yr - Maturity No Profit 40%-Saving Account Rate 3 Months COII 6 Months COII 1 Year Monthly COII 2 Year Monthly COII 3 Year Monthly COII 5 Year Monthly COII 5 Year Quarterly COII   Early Redemption Schedule for the Dollar Mudarabah Certificate (Effective: Nov 1, 2009) S No. Tenure Rates Applicable on Premature Encashment within     1 Months 3 Months 6 Months 1 Year 2 Years 3 Years 1. 3 Months No Profit $ Saving Rate         2. 6 Months No Profit $ Saving Rate 3 Months $ COII       3. 1 Year - 6 Monthly No Profit $ Saving Rate 3 Months $ COII 6 Months $ COII     4. 1 Year - Maturity No Profit $ Saving Rate 3 Months $ COII 6 Months $ COII     5. 2 Years - 6 Monthly No Profit $ Saving Rate 3 Months $ COII 6 Months $ COII 1 Year - $COII 6monthly    6. 2 Years - Maturity No Profit $ Saving Rate 3 Months $ COII 6 Months $ COII 1 Year - $COII 6monthly   7. 3 Years - 6 Monthly No Profit $ Saving Rate 3 Months $ COII 6 Months $ COII 1 Year - $COII 6monthly 1 Year - $ COII maturity 8. 3 Years - Maturity No Profit $ Saving Rate 3 Months $ COII 6 Months $ COII 1 Year - $COII 6monthly 1 Year - $ COII maturity Early Redemption Schedule for the Monthly Mudarabah Certificate Customers can redeem their certificate before maturity, however no profit will be paid.