All investment in pension funds are subject to market risks. Past performance is not necessarily indicative of future results. Please read the offering document to understand the investment policies and risk involved. As per Section 63 of Income Tax Ordinance, 2001, An eligible person shall be allowed tax rebate on premium/contribution, maximum upto 20% of taxable income at average rate of tax. Withdrawal from pension fund before retirement shall have tax implications pre-mature withdrawal from Pension funds is subject to tax. Lump sum withdrawal in excess of 50% at or after retirement age will be subject to tax. Pak Qatar family takaful and is not a product of UBL Fund managers for details please read annexure A of offering document. A free Takaful cover shall be provided to the investors of UBL Retirement Savings Fund. Investors meeting eligibility criteria at a later date will have to fill Takaful Provider’s “Health Questionnaire Form” and their coverage will be subject to acceptance by the Takaful provider. Coverage available: Equivalent to cumulative investment, with a ceiling of Rupees Five million (PkR 5,000,000/-). Note: note: Consult your tax advisor for more information.