2nd International Interest-Free Banking and Takaful Forum

2. About AlHuda Centre of Islamic Banking and Economics Towards the pursuance of our goal to promote interest-free Banking and Finance all over the globe, AlHuda Centre of Islamic Banking and Economics is working diligently since its existence 14 years ago. AlHuda CIBE has been acknowledged as a distinguished service provider due to our notable services, team of dedicated professionals and one stop solutions of interest- freeBanking and Finance. Our aim is to provide state-of-the-art services of interest-free banking and finance. We are proud to be prominent for our Advisory and consultancy, research and development, education and capacity building, Shariah advisory, publication and events all over the world. AlHuda CIBE is supported by many national and international organizations and institutions as Strategic Partners support and our Alumni have spread over 70 countries. We are proud to stand among world's largest presences for capacity building, trainings, consultancy and other services. More details are available at www.alhudacibe.com

3. About Interest-Free Banking and Finance in Africa Africa is the world’s second largest and most popular continent after Asia. With 1.0 billion people, it accounts for about 14.72% of the world’s human population. According to the World Book Encyclopedia, Islam is largest religion in Africa, followed by Christianity. The aim of this forum is to explore the untapped market of Africa and to adopt the latest trends, challenges and opportunities in interest-free banking and finance industry in Africa. This conference will provide you with practical insights into: • Global efforts and achievements in interest-free Banking and Takaful • This effective platform will demonstrate the flexibility of interest-free financial markets during the current financial crisis.

4. 2 International Interest-Free Banking and Takaful Forum 18th February, 2020 at Ethiopian Skylight Hotel, Addis Ababa, Ethiopia nd Event Agenda Frontier of Interest-Free Banking and Takaful • Innovative Product Development for Interest-Free Banking • Regulatory Framework of interest-free Banking and Takaful in Africa • Interest-freeBanking & Finance – Emerging Opportunity and Possible Challenges • Financial Inclusion through Interest-Free Banking and Takaful • Emerging trends of Islamic Fintech Regulations & Supervision for the Smooth Development of Interest-Free banking & Takaful • Regulator Role to Promote the Industry • Sustainable Development and Financial Regulations • How to create Liquidity for Interest-Free Banking and Finance • Shariah Compliant Derivatives Shariah Governance in Interest-Free Banking& Takaful • Developmental Role of Shariah Governance • Shariah Governance and Shariah Compliance Framework • Shariah Governance and Integrity in Product development procedures • Role of Sharia Audit in Interest-Free bankingand Takaful Sukuk (interest-free Bond) & Interest-Free Capital Market • Sukuk as an Investment Avenue for country development • Asset based financing: A complete risk free solutions for International crises • Securitization of Assets • Interest-free Capital and Stock Market Investment Opportunities in Africa and Ethiopia • Emerging trends of interest-free Finance in Africa • Creation of Shariah compliant investment avenues in Ethiopia- Need of the Time • How to attract FDI in Interest-Free Banking and Takaful Takaful (interest-free Insurance) • Takaful (interest-freeInsurance) and Takaful Models • How Takaful industry can facilitate interest-freefinancial industry in Africa • Innovative products of general &family Takaful • Vastly growing trends of Takaful Industry in Africa

5. Post Event Workshop on Operational, Technical and Sharia Aspects of interest-free Banking and Finance 19th February, 2020 at Ethiopian Skylight Hotel, Addis Ababa, Ethiopia A Glance on Interest-Free Banking and Finance Ÿ Riba and Prohibition of Riba Ÿ Economics Rationale for Free Prohibition of Riba Ÿ Development of Interest- Banking and Finance Ÿ Operational Aspects of Interest-Free Banking and Finance Ÿ AAOIFI, IFSB and its role Shariah Foundation and Applications of Interest-Free Banking and Finance Ÿ Conceptual Framework of Interest-Free Banking and Finance Ÿ Interest-Free Banking and Finance Characteristics Ÿ Sustainability outreach and Problems pertaining to microfinance system Contracts for Interest-Free Banking and Finance Ÿ Definition of a Contract Ÿ Importance of a Contract Ÿ Why a Contract? Ÿ Types of a Contract i. Unilateral Contracts ii. Bilateral Contract Ÿ Validity of a Contract Interest-Free Banking and Finance & its Product Mechanism Ÿ Interest-Free Banking Products mechanisms & Compatibility with Conventional Banking Products Ÿ Partnership Based Interest-Free Banking (Mudarabah & Musharakah) Products Ÿ Trade Based Modes of Interest-Free Banking (Murabaha, Salam, Istina etc.) Ÿ Rental Based Products of Interest-Free Banking (Ijarah & Diminishing Musharakah) Ÿ Application of Trade, Partnership & Rental Based modes in Interest-Free Banking Interest-Free Banking Product Development Ÿ Types of Products Ÿ Phases Involved in Interest-Free Product Development Ÿ Products Documentation

6. Post Event Workshop on Operational Aspects of Takaful (Interest-Free Insurance) 20th February, 2020 at Ethiopian Skylight Hotel, Addis Ababa, Ethiopia Introduction & Recent Developments Ÿ Fundamental Principles of Takaful Ÿ Reference in first constitution of Madina Ÿ Evolution during the seventies Ÿ Judicial opinions and Fatwas Ÿ Developments in Africa Takaful Models Ÿ The Mudaraba Model Ÿ The Wakala Model Ÿ The Waqaf Wakala Model Ÿ Investment Models Ÿ Banca Takaful Ÿ Concept of ‘one –stop shop’ & ‘Financial Super Market’ Ÿ Types of Banca Takaful products Ÿ Need to tailor certain products Ÿ Integration issues Ÿ Regulatory issues & need for disclosure Ÿ Banca Takaful marketing ReTakaful Ÿ Background Ÿ Current Key players Ÿ Constraints and Issues Ÿ Recent development Takaful Marketing Ÿ Creating Awareness Ÿ Offer ‘Vs’ Sales’ Ÿ Market Conduct Ÿ Follow ups Ÿ Client serving & client retention

7. Event Summary Key Objective of Conference • Promote the Awareness of interest-free banking and Finance • Recognize the interest-free banking and Finance as sustainable financial solution for West Africa • A milestone of strengthening Ethiopia interest-free Banking and Finance Industry • Explore the potentials of interest-free banking and finance • Attracting International business players, investors and financials to benefit business growth of the region • Attract Foreign Direct Investment (FDI) in interest-free banking and finance industry • A platform to discover best successful international and local practices • Learn winning strategies from the experts of the forefront of the interest-free industry Benefits of Attending: • A platform to discover best successful international and local practices. • Chance to explore new horizon of interest-free Banking. • Enhance your understanding of the complexities of interest-free products’ structure and how it can leverage to add to your portfolio. • Provides a guarantee that your organization is ideally positioned to meet challenges and to capitalize the opportunities. • Ensure the sustainable growth of your institution in the future. • Learn winning strategies from the experts of the forefront of the interest-free financial industry. Who Should Attend? •Heads, Managing Directors and CEOs of commercial and interest-free banks and interest-free financial institutions •Retail, Corporate, SME and Treasury Bankers • Business Development Managers • Heads of Research and Development • Financial Consultants •Unit Trust Agents and Insurance/Takaful Agents • Brokers of bonds and Sukuk • Fund Managers and Selectors • Government Officials and Representatives • Financial Consultants and Advisors • Economists and Policy Makers • Stock Brokers and Shareholders • Financial Market Regulators • Business Analysts and Business • Development Managers •Financial Controllers and Account Managers • Academia and Researchers • Media

8. Sponsorships Packages LEAD SPONSOR Ÿ Allocation of Stall (Table-top) for corporate display. Stall will be located outside the main Conference Area. Ÿ Logo of company/brand will be displayed at o Main Backdrop o Coverage in Event Report o Invitation Cards Ÿ Four (4) complimentary delegate passes for the conference – to share with colleagues and business partners ( 2380 $ value) Ÿ Speaker’s presentation in the main conference program Ÿ Pre & Post event media coverage in leading newspapers & TV channels Ÿ Acknowledgement at opening and closing ceremony Ÿ CEO’s/ Chairman’s message in conference’s program profile Ÿ 4 Advertisement Standees outside conference hall Ÿ Insertion of sponsor’s corporate brochure in the conference folder Ÿ Sponsor can send Press releases of the event to PR Department of AlHuda CIBE 10,000USD o Reception Desk (Front or back) o All E-communication modes o Display stand at entrance TECHNOLOGICAL SPONSOR Ÿ Allocation of Stall (Table-top) for corporate display. Stall will be located in the main conference area Ÿ Logo of company/brand will be displayed at: o Main Backdrop o Event Report o Invitation Cards Ÿ Three (3) delegate passes for the conference – to share with colleagues and business partners (1785 $ value) Ÿ Pre & Post event media coverage in leading newspapers & TV channels Ÿ Acknowledgement at opening and closing ceremony Ÿ Speaker’s presentation in the main conference program Ÿ Advertisement of One (1) Standee outside the conference hall 8,000 USD o Reception Desk (Front or back) o All E-communication modes o At entrance SILVER SPONSOR Ÿ Allocation of Stall (Table-top) for corporate display. Stall will be located in the main conference area Ÿ Logo of company/brand will be displayed at: o Side wing of the main backdrop o Event Report o Invitation Cards Ÿ Two (2) delegate pass for the conference – to share with colleagues and business partners (1190 $ value) Ÿ Display of one (1) standee outside the conference hall Ÿ One (1) A4 size colored advertisement in the bi-monthly Islamic Banking Magazine (True Banking) - ( Advertisement worth: 1800 USD ) Ÿ Company name cards will be displayed at Lunch & Tea areas as Venue Sponsor. 6,500 USD o Reception Desk (Front or back) o All E-communication modes o Display stand at entrance EXHIBITION SPONSOR Ÿ Allocation of Stall (Table-top) for corporate display. Stall will be located in the main conference area Ÿ Logo of company/brand will be displayed at: o Main backdrop o Event Report Ÿ One (1) delegate pass for the conference – to share with colleagues and business partners (595 $ value) Ÿ Presentation at the main program of the conference. Ÿ One (1) Advertisement standee 5,000 USD o Invitation Cards o Reception Desk (Front or back) *[All Conditions Strictly Applied] • Artwork CD and all display material should be provided by client. All offers are strictly valid only in case of 100 % advance payment in favor of ‘AlHuda CIBE´.

9. Registration Please complete and return by e-mail, regular mail or fax. Please note that the name and title you give here will be printed on participants’ list and on certificates. Title: Prof. Dr. Mr. Ms. Mrs. Other Full Name: Designation Organization: Address: Postal/Zip code: City Country Telephone: Cell Fax Email (Official) Email (Personal) Conference Fee Conference fee include admission to conference sessions, tea/coffee, lunch, registration materials and Certificate. Participation Fee USD Participation Fee Birr Event Name 2nd International Interest-Free Banking and Takaful Forum (18th February, 2020) Post Event Workshop on Operational, Technical and Sharia Aspects ofinterest-free Banking and Finance (19th February, 2020) Post Event workshop on Operational Aspect of Takaful (Interest-Free Insurance) (20th February, 2020) 2nd International Interest-Free Banking and Takaful Forum and 2 Post Event workshops 195 USD (1 Day) 6,295 Birr (1 Day) 149 USD (1 Day) 4,900 Birr (1 Day) 149 USD (1 Day) 4,900 Birr (1 Day) 450 USD (3 Days) 14,900 Birr (3 Days) You can proceed your fee by Cheque or Demand Draft in favour of AlHuda CIBE or you can also transfer your fee Online/Wire Transfer. Bank account detail is below: Account Details Discount Policy vFive or more delegates from the same organization - 20% Discount vEarly Bird Discount till 30 days before the event - 20% Discount vFrom the above only one discount option can be availed at a time Al Huda 0204-0100430195 Meezan Bank Ltd, Lahore - Pakistan. Garden Town Branch, Lahore, Punjab – Pakistan MEZNPKKA Standard Chartered Bank, New York U.S.A 3582-072703-002 SCBLUS33 PK56MEZN0002040100430195 Beneficiary Name: Beneficiary A/C#: Bank Name: Branch Address: Bank Swift Code Corresponding Bank: Account #: SWIFT: IBAN: E-mail: info@alhudacibe.com Web: www.alhudacibe.com ** Please state the conference name and the full name of the participant on the reverse of the chaque. Additional Instructions vPayment Information: Registration forms must be accompanied by full payment in order to be processed. vFull payment: is due on registration vConfirmation: Please allow 3 days for e-mail confirmation of your registration. vCancellation Policy: AlHuda CIBE do not have any cancellation policy once registration finalized, meanwhile, alternative can be nominated. By sending in this registration form, I acknowledge that I commit myself to the immediate payment of the full workshop fee. I have taken notice of the cancellation terms on this form.

10. QUALITY PRODUCTS All our services meet the required standards and offer you competitive pricing and strict regulatory compliance. STRICT SHARIAH COMPLIANCE Our services are carefully designed for strict adherence of the principles of Shariah. Every product we offer is reviewed, approved and overseen by highly respected and independent Shariah scholars. SERVICES EXCELLENCE We are committed to the highest level of professionalism and strive to be respectful, responsive and reliable. AlHuda CIBE - Pakistan 98A Sunflower Society, J1 Johar Town, Lahore - Pakistan. Ph: +92 42 3591 3096-98 Fax: +92 42 3530 3096 AlHuda CIBE FZ LLE - U.A.E (Advisory, Consulting & Capacity Building) P.O. Box. 120867, Dubai, United Arab Emirates. Ph: +971 56 928 6664