Financial Servi ces

Code of Conduct

•

A rcncwed commHmen l lo cxcell ence

Cred ibilily and repulalion arc inv.l1uable assels for any largc company. It b es,.<;ential lo d early :;;tale the com mon principies, values and rcsponsibilitil'S th.l1 guide our relationc¡ with ou r Cu!>tomers, shareholders, bu:;;incss partners and our employees.

The vallll.'S ilnd principk'S we have developed and fol1owed over the years are expresSC<Í in our Codc of Conduel.

Knowledge oí and compliance wilh Ihe Cc.xle of Cond uct are fundamental lo ensure the efficiency, rcl iability <lnd cxcellence of our company.

I encourage YOll lo rcad it carefully and discovcr the fund amt'ntal valul'S which inspire our way of business.

~\JV"" ~

Syed Babar Ali

IGI fi n.n ci~ 1 5.rvkl'5

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Table of contents

Foreword

General Priniciple5

Ethics, Transparcncy , Faimes.<¡, Profcssionalism

Company lnformation

Conf1ict of Interest

¡:raud Policy Slatcment

Confidcntia li ty

l"ublic Activi tics

Agreemcnt with Agents, Sales I{cpre:.entatives or Consu ltant,>

Rclalionships and Dcalings with Governmcnl Official,>, Media,

Sup pliers, Consultants, Agents, ln lcrmt.odi<lries and Ot hcr Pa rties

Environnll'nt

Workplace Hara5Sment

Abuse of Alcohol or Orugs and Cambling

Equal Opportunity Environmen t

protection of Company Assets and l'ropriet¡uy lnformation

E-Mail, Computers, And Nctwork Security

Dca ling in Secu rit il-'S!Shares & lnsidcr Trading

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03

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06

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08

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09

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(J

" IG I F ; n~ nd~ l ServieN

2

fo reword

IGI Fin,moa1 Scrvkes has bui1t ,I rcput;)lion for conducting its bw;incs!> w¡lh integri ly, in accordanC\' wilh hlgh standanls of (,¡hiea! behavior, ¡IOd in compli<lnct.' w ith thc laws ,lnd regulation.s thai govern Dur bu:,;mess. This reputatiun is among our most valu,lblt· as.c;cts and ultimately dcpcnds upon ¡he ind ividual action:; of each of our employees all

oveT ¡hl' country.

llll' [GI Financi<ll Servict.'S rode of runduct h<lS been pfl'pared to a.5Si<;t {'ach of us in OUf

efíorb to not oruy mdintain bul eohana' Ihi,> l'C'puti.ltion. It provides guiddllL'C for business conducl in ,] numbcr of .Hl'aS ilnd rcfcnm ces lo more dc\.,¡leJ corporal .. policies f('lf fu rther d ¡rcelian.

Thc adherencc uf all cmployees lo high standa rd s of integrit)' and d hical behavior is mand,ltory and benefits all ~takcho l d('r<; viz llur customer<;, our co1ll1llunitie<;, our

sh.1I"e holdcr", and our:;el\'('s.

lC I Financi.ll So!r\"iecs carefully cheeks for com pli.lnce w ith Ihe Codc by pro\'iding suitab le in,form<ltion, pTt'\"{'ntioo <lnd conlrol 10015 aod t'nsuring transp.mmcy in <III trans.lct1ons .md bo:>ha\'iors by taking creatl \'C ml!asuTC"S if and as rcquired.

The ¡GI hnanei .. 1 Services CodI" of Conduel applles lo all affiliates, employc('s, and ol her .. who <lct on our behalf coun trywidc, wHhin all seclors, regions, arcas, <lnd

funetion'>.

01

Genera l Pri ncipies

Comp1iilnce \Vilh lhe 11l\V, regulations, stalutory provisions, t!lhical integrily i.md fa imess, is a conslanl commilment and duly of aU IGI Financial Services' cmployecs and characteriZl'S the conduet of ICrs orgilni.tations.

IC I Finilncial Servict·s· business and ilctivities have to be carried o ut in a transparent, honest ilnd fair \Vay, in good fa ith, and in fllU compliancc. Any form of discriminatioT\, corruption. forced or child labor i~ rejecled. Particu lar allention i~ paid lo the acknowledgemcot aod ~afeguard ing of rhe dignily, freedom and cqualil)' of h uman beings.

All lC l rinancial Serviccs' employee;., wilhoul any distinction or exceptiOI1 whatSOC'vcr, respect the principies <lnd conten ts of the Code in their actions and bt!haviors while performing their functions and according to their rcsponsibilities, bccallSl' cumpliancc wil h the Code is fundamental fo r (he qU<l lity of their working and professional pcrformance. Relationships arnong IGI Financial Serviccs' cmployees, al a l[ I('vels, mu.:;t be charac!crized by honesly, fairness, cnopcralion, loyalty and mutu;]1 respccl.

The belicf thai one is aCling in favor or lo the advantage of IGI Financial $ervices cao never, in any \Va)', jusli fy - not l'ven in pari - any bchavior Ihat conflicls with Ihe prin cip ies and contents oi the Code.

The IGI Code of Conduct ai ms al glliding the "lCllcam" with respectlo standa rds of conduct expcctcd in areas where impropcr activi ties couJd resull in advcrsc consequen Q?$ to the Company, harm its reputatioo or d imi n ish its compet iti vc adv.1ntage. Every mcmber of the ICI ¡'-¡nancial Serviccs is expt."Cted to adhcrc to, and fiml ly inculcate in his/her cveryd ay conducI, this mandatory framework; any conlravel1liol1 or d eviation will be regarded as misconduct and may attract disciplinary action in accordance \Vith the Company scrvicc rules and relevant laws.

02 I C I f in~n~ i~ 1 Servi(~

Elhics, Transparcncy, Fairness, l'ro fessionalism

In conducting its business. IGI Financial Scrvices is inspircd by and compli(.'S with the principies o f loyalty, fairness, Iransparency, and efficiency.

Any action, tranS.1ction and negoriation performed aod generally, the conduct of ICI Financial Scrvices' employccs in rhe pcrform.:mce of their d\lties is insp irt!d by the highest p rincipies of fairness, completeness and transpareocy of in formation, d;Hity aod truth fu lness of all 3C\."'Ouotiog documents, in compliance wilh Ihe applicable laws io foru' and internal rl'gu lations.

Ihibes, i1Icgitimólte favors, request for persona l benefi !s oí onese1f or o!hers, eithe r diredly or through third pnrlics, arI.' prohibitcd wilhout any exc('ption.

It is proh ibited 10 pay or oHer, directly o r indirectly, moO(.'Y and material benefits and olher advant.lges of any kind lO Ihird partÍ(.'S, whether repn.'SCnlatives of govemments, pub1ic officers or private empJoyees, in order to in fl uence o r rcmunerate the aclions of Iheir office.

Accepting gifts or any other fo rm of hospitality is noI al[owed as commercial courlL'Sy, as il may compromise!he integri!y and repu lation of eiilier p¡nty, and can be construcd by an impartial observer as aimed at obtaining und uc advantages. Only company g ivcilways are accep table.

Company Information

JCI Financial Scrvices ensures the corfl'Ct managemenl of company information, by mcans of suitable p roce-Ju r(.'S for in -houS(' management and communicanon to lhe outside.

03 IGI Hn~nci~l Servin'S •

Conflict of In leresl

¡GI Enancial ScrvicL'S t!xpE'cts all employccs lo be free from actual or polcntial conflicts of interest.

A conflict ot inlereSI QCcurs whencvcr the prospecl of d irect o r indirecl personal gain may influence o r appear to infl uence your judgement or actions while conducting ICrs business.

Each membcr of ¡he IC I Financial $ervices has aprime responsibility towa rds Ihe Company and is cxpected to avoid activities or trans.lclions that c1ash dircclly with the intcresls of the Company. Such situalions cou ld arise in a n umber of ways. $orne of the spccifically forbidde n situations are outlincd bdo\\'. This list is, however, ncither exhauslive nor all-inclusive. In casc of doubt, the advice of Ihe management should be sought.

Any member of the JGl Financial Serviccs or any dependent member of his/her famil}' (for Ihe purpose of this policy, fam ily includes parents, spousc and children) having an inlercsl in any organizalion supplying gOOd8 or S<.'rvices to the Company.

Any member of Ihe IGI Finandal ServiCL'S participating in any external adit'i lY di rectly or indirectly Ihat eompeles with ¡he Company in any manncr.

Any member of Ihe ICI Finandal $ervices serving as an officer or C.E.0. of any olher company, or in any managemenl eapacity for, or as a consultant to any individual, fi rm or other company doing or seeking to do business \V ith the Company or any a(fi liate, cxcept \Vith Ihe knowledge and p rior consenl o f top management of ¡he Company. Any member of Ihe ICl Financial Services, conducting personal business aclivilies o n Ihe Company's premises or using Company facilities for such purposes.

Any member of Ihe ICI Financial Services having direct, ind irect inleresl or fam.ily connection, \Vith <ln external org.lnization that has business dealings with IGI, without fully disdosing to Ihe management o( the Company de tai ls of sllch conneclions and inler(>sls.

Any member oí the ¡CI Financial Services, having any relalive working with IC I, and noi disclosing details of the same lO Ihe management of ¡he Company.

. .. IGI rinancial xrv; • .".

I )

J

Fraud Poliey Slalemenl

lGI I:inancia l Servires has a culture of zero tolerance lowards fraud and maintains the highesl slandards of prevcnlion, detection aod rcmedialion. AII ICl Financial Serviccs staff are responsible fo r ensuring strong.. robust and effective fraud conlrol.

Fraud is defined as the inte.n tional, false representalion or conccalment o f a malerial faet for Ihe purpose of indudng another to aet upon illo his or her loss I injury.

This includes the offcnsc of forgery whereby, a persan i8 guilty of forgery if he Olakes a falsc instnunent, with Ihe intenlion that heor another shalluse iI to indure somebody to accepl il as gcnuine, and by rcaron of so accepling il to do Or not lo do some act to his own or any other pcrson's prejudicc.

llle fraud poliey isestablishcd lO facilitate developmcnl of controls thai will aid in the detection and prevention of fraud against IGT Financial Servires. This policy applies to any irregu larHy involving employces as wel l as shareholders, consul tants, vendars, contractors, agents, BJX)s and I or <lny olhcr parties with a business relationship wilh lGI financi,1 1 Services.

In Ihe advent of any fraudulent aClivity, the case will be investigated wi ll10 ul giving any consideration lo the suspect's Icngth of service, position/title, or relalionship with lhe Company. IC I Fin.moal Services provides assurance that all cases ol fraud \Viii be h.mdlcd and investigatcd in a confidential, prompl and profe--..sional manncr.

IGI Financial Services values integrity of its s taff and recognizcs thil l they have a key role to play in Ihe prevention, delection and rcrorting of fraud. All cmployees are encouragr.-d lo be vigilant al aU tim(.'S and lO report any violations, immediatcly wilhout fear of repris.ll.

Icrs code of conducl is a commitmenl of IC I Team to create and mainl.l in an honest, open and well-intentioncd working envi ronment whcrc thc Managemenl is responsible fo r the deteclion ami preve'1lion of fraud, misappropriat ions and other irregu lari ties. II require8 each member of Ihe managemcnl leam lO be famili.1r with Ihe Iypes of im proprieties Ihal migh t occur wilhin his arc.' of responsibil ity, and be alerl of any indication of irregu larity.

Any irregularily Ihat is detectcd or suspected muSi be rcporlL-d immediately as per lhc existing channcls to report violat ions .

05

Confiden lia lity

A membcr of ¡he ¡C I Finandal Serviccs shal1not kecp or rn:lke copies of correspond ence, documents, paper and records, lisI of clients or custOffiC(s withoul (he prior approva l of the Head of ¡he departmcnL

All copies of correspondcnce, documen ts, paper and records, lisi of clients or customcrs, sha]! be su rrcndcred to the Company whcn an indi vidual member of Ih(' tG I Fin ancial Servires leaves ¡he Company's cmployment or is no longer .. ffili.lIOO or connected with ¡he Company.

Company in formation and records shou ld be kep l with in the Company prcm ises only. Unpublisrn.>d informaljon may be disclosed toexlcm al organizalion or individuals only on "ne('cH o-know'" basis upon explícit managemcnt approval.

A member of thl' [GI Fi nancial Servires shaLl noi d isd osc or reveal any information on bchalf of the Company to print/clectronic media as well as any o thc r informa lion medi um. All informa tion sha l1 be rd cased through/by the Marketing departmen t o r desígnated individual(s).

Publi c Aetiv ities

No mcmbcr of TGI Financia ! Serviu'S sh¡¡lI support any politic.l1 parly or con lribu le to Ihe fu nds o f the graups whose activit ics are ca lculaled to promote pa rly inlerests. The mcmber shall noi use any com panies, entitics, facilí lies, resollrces or finances to support eithcr política! parties or individual po1itiei il1l5 or any as~iation d irectly or ind ireclly connedcd to a political parly. Furthermore, ¡he member shal1 no i makc any media slatements or have a reprcsentative folc in governmcn t bod ies, ¡rade aS!'rOCialions o r ¡he media un !ess d uly a uthorized by the Managing Dirl.'Ctor o r C E.O. for specifie installces.

A member of the IGI Financi.al Serviccs shall not givc or receive bribe in order lo relain or beslo\\! b usiness or fi nancial advantagC'S. Obtaining any kind ol persono! fin.lIlcial bcncfi t.s for having given business lo outsidc agencies wi l] constitute to bríbery and is prohibited tlllder the IGI po1icy.

Paymenl of an y nature to govem menl officials for any reason w h¡¡tsoevcr is strictly p rohibited.

• 06 IG I fj n.mci~ 1 S" rv ice$

--Agrecment wilh Agen ts, Sales Representatives or Cons ultan ts

AgreemcnlS with agents, s.ll~s representatives or consultants shall clearly specify ¡he scrvices to be pcrformed for ¡he Company, ¡he amoun! to be raid. and al\ alheT ,,-'¡evanl terms and cond itions.

All payments "nd trans.lclions 5hal1 be supported by docu ments.

Rdationsh ipsand Dea lings with Govemmenl Officia ls, Med ia, Suppliers, Cons ultan ts, Agents, Intermediaries an d Other Parties

Rdationsh ips .lnd deal ings with Governmcn t o fficials, external agencies, parties ond individuals al all times should be such that ¡GI Financial Scrvices' in tegri ty and its i'C'pu tatioll shal! noi bt! d amaged if delilils of the rcla liollship or dcalings were to bccomc public knowledge.

11 is the rcsponsíbility of ewry member of the ¡GI Financial $ervices to excra¡;e good judgemenl so as lo aet in a manner thai ""ili renecl favo r.l bly on Ihe Comp.lIlY. Member:, of the ¡GI Finandal Scrvices shou!d make sla lements lo Ihe media, '>peeches in public furtlms, or publish art ides in the nc\\!spa pers, cic., un!y with prior authoriL.ation of the !llanagcment in a pl'rsondl capacity.

Duc care should be taken \\!hilc disrussing Ule Company performance or p lans \\!ith ou lsidefS. A membcr of the fGI Fin.lncia l Services having <juestions on huw to com ply with this rcqu irement shou!d seek guid ance and advicc wi th the managcment of the Company.

Environme nt

Pro mote rcsource conservation and (paper ond resourccs) waste m.inimi7.ation.

07 IGI F j n~n(i~ 1 Servien

Workplilce Hilfilssmenl

tGI Finandal Servires supportsany initiative. aimcd al implemenlLng working mctlmds for Ihe achievemenl of .1 bener organization.

Every employee has the righl to work in an environmen! that is free from hi1ra~smenl

and in wh ich issut'!; of haras.sment wi ll be rl!SOlved wilhout fea r o f fl'prisa1.I larassment wm not be permitteJ orcondont!d within ¡GI Financial Servires, whether il is bascd on a pcrson's raec, color, ethnic or na!ional origin, age, gendcr, rea l or suspl'cted <;(>xu.ll oriental ion, re ligion or perceived rdigious afGlialion, dis.lbility, or other pcr~onal cha raclerislic.

IGI rimmO:JI Scrvkl'S demands thai ther\! shall be no hi.lTaSsmcnt or mobbing behJviors in JX'rsonal working fl'lationships dlher ¡nside or outside the compilJly. Such bcha\"ÍOrs are strictly forbidden and are as fo llows:

creation oí 'In intimid.lting. hostile, isolating or in any casc discriminalory environmenl for individual cmployces or grou pl' of employees;

unjustified intcrfl'rcnce in the work performed by olhers;

placing of obslades in Ihe way of thc work prospccls and expectalions of olhers ulI;'rely for re.lson.s of personal competiliveness or bccau.sc of other employees.

Any form of vioJence or haras.smenl, ('ilheT sexual har"ssment or h.lrassmpnt bas...>d un personal and cu ltural diversity, is forbiddcn. Such harassml.:nl is for inslance:

08

subordinating dl'Cisions OIl somconc's 1V0rking life to Ihc acceptancc of *xuaJ atlention.s, or personal and cultur.ll diversity;

oblaining sexual " tten rions using Ihe influl'nce of one's Toll:';

proposing privat(' interpersonal rl'iations despite the recipil'n!'s ex p licit or reasonably dear distaste.

Abuse o f Alcohol or Drugs and Cilmbling

AlI lGI Financial Servin's' cmployee. shall personally conlribule to promoling and maintaining a d imale of cammon r. .. 'Spect in Ihe workplace; particular atten!ion is paid lO rcspect Ihe fcclings of others.

IGI Financial Scrvices shall therdore consider individua l ~ who work under the cfk><:t o f a lrohol or drugs, or substanccs with similar effeçt, dunng lhe performance of their work activilies and in Ihe work place, as being awarc of the risk they causc. Ch ron ic add iction lo such subslanc~, when il affeçls work ~rformance, shall be oonsiderW similar to Ihe above mcntioncd l'vents in terms of contractual consc-quences.

li is forb;dden to:

hold, con~ume, offer or give for whatsoevef reason, aloohol or drugs, al work and in the workptace;

smoke in Ihe workp lace;

gamble or bel wilhin Ull' workplace.

Equal Opporlu ni ly Environmen l

lGll;i nancial Services recogni ;(;es Ihe valul' of s triving for a balance<:! work force ilnd is eommitll'd lo Ihe principies of ~llIa l opporlunity, equality o f [realm ent, <lnd crealing a dynamicdimate where diversi ty is valued as a sourcc of enridlment and opportunity. AH phases of Ihe employment rcJationship-induding n!cruitment, h iring. tra ining. promotion, oompcnsation, benefils, t ransfers, l<lyoffs, and ¡caves o f absence-wil1 be carried oul by al1 managl'rs withou l rega rd lo race, color, rcligion. gender, age, elhnic or nat iOlMI origin or disability.

09 IG I r; " anda l Sc, rv iceo

Proted ion of Company Assets and Proprietary lnform .. t io n

ICI I:in.ana .J1 Services' physical and int<lllgible assets, as weU as its proprielary infonnation are key lo Icr s SllCres.o;. They shou ld be ui>ed only tu ach ieve IGl 's business goals, and they shou ld be prolected to preserve Iheir val uc. Any use o f ¡GI Financia1 Serviecs' assets or proprietary inform ation by you in o ther b usinL'SS or persona l activ iti es is forbiddcn. A ll company assets and proprietary information must be return(.'Clto IGI Financia! Servin-s on cessation of employment.

YOll m ay know considerable amounl'lof proprieta ry or other information (Uconfidential informat ion") li.'> pari of your job. Co n fidl'nti<l! in fo r malion is any informa tion Ihal is not publicly avai lilble and th<l l h<ls value to IC I Financial Scrvices. 11 may be in wrillen, c!ectronic, or any other formo

11 is Ihe duty of l'ach lllembC"r of the !G l Fin.lndal Serviccs lo protect, use <lnd operale all the corpor<lte asselS with ulmosl care, duc diligcnce and hoocsl)'. In ca<;e il is obscrve<1 by an y member of the IG I Fina ncia ! Services tha i the corporalc assets arc being misused/m ishand lcd b)' some a ther members I individual the miltter .,hou!d be immed iately reportcd to 111<:' M,lOngemcnt u f the Compnny. P lea~ note Ihal corpmalc a5sets include all moveable and immovablc proper!y of the Company.

IG I Financial Scrvices' employecs arc re<:ponsiblc fo r Ihe proper usc i!nd proteclion of proprietary or confidcntial info rmation belonging to IC I or entrustoo to the comp<lny by olhcrs.

!Gl Financin¡ Scrvices' employccs <lrc responsiblc for the securi ly of, ¡¡u thorizcd <lcu'ss lo, i1nd proper use oí IGI Financial Scrvices' physieal <lnd intangible <lssets under your control and of Ihird partk'S' assets in your care.

IGI Financia! Scrvices' employccs shou ld not diS("lose propriclary o r coníidenti al information to anyonc o~l tside IGI Fin<lncial Serviccs without the express pennission of yOllr manager or wilhou t execl.ltion of <l eonfidenliality or non~disdosun.· agreemcnl prio r to the d isdosure.

10

E-M .. iI, COlllpu lers, And Nelwork Securi ty

Members of the !CI Fin.lncial Serviccs musi follow Ihe Company po!icy lO limit lnternet .Jccess to official busines.'l. However, the members of the IGI Fina ncia1 5ervkes are au thorized to acct.'SS the lnternet for pcrson¡¡l use after bLlsim.->ss hOLl rs, in strict compliance wHh thc olhcr lerms o f this poliey.

Members of the ¡GI Financial Services using Comp¡¡ny's lnternet connection and e-mail accoLlnts arc ¡¡cling as representatives of IGI and, th ... ·refore should acl accord ingl}' in order lo avoid damaging thc reputation of Ihe company.

The introductioll of viruses, or malieious ta mpering with any comp uter sy~teJn, is l'xprcssly prohibilcd.

Members of Ihe IGI Financial 5ervices Illay noi visil i1Jegal or pomographic Siles, nor ~is lribute iIIegal or pomographic malt:ria !. Sexually related, derogatory or radally mtolerant web:.ites and maleri <l l is il l~ forbidd en.

i\clivities thai compromisc network secLlrity are slrictly fo rb id den, the d isclosure of syslem lOs, pa5swords or information <l Jlow Ihe circunmilvig<ltion o f security feat~1Tes. Members of the IGI Fi nancial 5f>rviCe$ shall noi place company material (copyrigh ted software, inlema! correspondencc, ctc.) un <lny p ubl icly accessible ln ternet computer withou t proper permission.

The Company te"oerves Ihe right lO inspect the computer system o f any member uf Ihe IGI Financia1 Serviees for violations of this pulley.

11

Dealing in SecurilicslShares & Insider Trad in g

TGI Financia l Serv iC(,~' employce shall not I",de on or passon inside inform.ltion al any ¡-¡me to any other pcrson, inside or ou tside IC I Financia[ Services. Inside information refers to information abouIIGI Financial Serviccs, its bu~incss, or other companics with which ICI Financial Servires is doing business or negotiating tha i is not gcncrally known to Ihe public, but would likely, if known gcncrally, affect the price of a company's sharcs o r ;nflucncc a person's investment dl."CIsions.

TGI Financial ServiC(,'S' cmployl..'C mu~t noI dea l in ¡C I Shares if you arc in pos~s5ion

of inside information abou t TG I or d~al in ICI Shares on considcr.llions of a sOOrt term natu re.

IGI Financia l Servires' em ployec shou ld not pa5S on lnside infonna tion at any time lo ilny olher person o r encou rage ano!her pcrson lo deal in sharcs o f JGI or any alher comp<lnyon lhe basis of such informatiol\ even if theemployee docs na t profit di rectly from the a rrangcment.

IGI Financial Serviccs' employcc should nat deal in theshares of .1nolhercompany wi th which IGI is doing bu~;ness or ncgotiating if in posscssion of inside information in relation to such com pany.

Neithcr IGI Financial Serviccs' empToyce nor a family memocr (spouS(' and d lildren under 18 o r .myonc [¡ving in your houschold on a permanen t basis) may dea! in IC I shares o r another compan y's sharcs if the cmployee or his/he r fam ily mcmber is in posS('ssion of inside informa tion about ¡GI o r another compilny.

¡GI Finandal Servires' employcc shou ld be aware of and comply wilh any loca l laws and regu lalions govcrnmg shares dcalings.

Some cmp!oyees, because of Ihcir role rcsponsibiJities, will oc in regu la r possession of [nside ln(onnation or may have access lO such in forma tion al particular times o f ¡he year. Thesc individuals a re referrcd to as Empluyee Insiders. You will be noti fie<! in writing by the Company Sccretary if you arc in Ihis category and hence may not deal in the stock unti l you obtain written notification Ihill you may dea! or have becn tilken off the Insider LisI. The Company Secretary may be conlacted for ad vicc in !his arca .

• 12 [C I f ina nda l Sl"rvi<es

IGI Financial Services

7th Floor, The Forum. SUlle 70 1-713, Khayaban-e-Jaml. Chflon, Karachl Phone: (92-21) 111-234-234 Fax: (92-21) 111-567-567, 35301729

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