4-Year Capital Protected Global REIT (Real Estate Income Trust) Note

Summary Terms:

Product: 4-Year REIT (Real Estate Income Trust) Note with 100% capital protection
Minimum Investment Amount: USD 10,000 minimum with multiples of USD 1,000 thereafter
Nominal Amount: USD 1,000 per Note
Investment Period: 4 years
Underlying Basket:
- - Tokyo Stock Exchange REIT (TSE REIT)
- - European Public Real Estate Index (FTSE EPRA Index)
- - iShare Dow Jones US Real Estate Index Fund
Capital Protection: 100% capital protection from Deutsche Bank AG, London branch, if Notes are held until maturity (4 years), achieved through a Sharia-compliant mechanism
Valuation: Weekly
Redemption: On monthly basis
Redemption Fee: AED 250
Redemption on Maturity: Full invested amount
Business Day: Working day in London, UK; Tokyo, Japan; New York, USA; and Dubai, U.A.E.
Annual Management Fee: Nil
Upfront Fee: 1% of the subscription amount
Issuer: Deutsche Bank AG, London branch
Sole Distributor: Dubai Islamic Bank (DIB)
Administrator: Ryland Gray
Sharia Advisor: Fatwa & Sharia Supervisory Board of Dar Al Istithmar, London

Key Features and Objectives:

100% capital protection if Notes are held until maturity (4 years), achieved through a Sharia-compliant mechanism.
Unlimited Potential Upside Income, with 110% participation in the positive performance of global real estate.
Investment in Real Estate with Monthly liquidity at net asset value
Direct Investment in diversified portfolio of properties across type (Commercial, Residential, Industrial) as well as geographic markets (Europe, USA and Japan).
The real estate indices benefit from increases in land prices, rental income and property development worldwide.

Reference basket:

Tokyo Stock Exchange REIT (TSE REIT): 33.34% (Weight in the Basket)
European Public real Estate Index (FTSE EPRA Index): 33.33% (Weight in the Basket)
iShare Down Jones US Real Estate Index Fund: 33.33% (Weight in the Basket)

Calculation of Return Example:

Indicative NAV: