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INVESTMENT AGREEMENT

This paper introduces Shariah-compliant investment by reviewing its key terms and concepts, assessing its market size and potential, and outlining its opportunities and challenges for investors and financiers. Shariah-compliant investment represents a series of ethical financial transactions that are organised in accordance with Islamic law. The range of investment opportunities complying with Muslim religious beliefs has historically been fairly limited. Islamic banking is distinguished by a ban of interest-based transactions, an emphasis on equitable contracts, the linking of finance to productivity, the desirability of profit sharing, and the prohibition of speculation and uncertainty in business contracts | Caspian Investments Ltd. Uppsala-Ekeby Industrihus ing. A21 Uppsala-Sweden info@fixed-investments.com Caspian Investments Ltd. INVESTMENT AGREEMENT THIS AGREEMENT Agreement is entered into as of the day of and between Investor and Caspian Investments Company . The parties hereby agree as follows Investor agrees to enter the investment agreement under the program Program terms and conditions chosen in Application Form I. Amendment addition or termination of any program is subject to regulation under this agreement. INVESTMENT CONSIDERATION Investor agrees to invest with company the amount concurrently with execution of this Agreement and an additional amount during or after execution of this Agreement upon Investor s will. All subsequent investments by Investor in order to add funds or under the payment schedule are regulated according to each Program terms and conditions unless otherwise agreed herein. INVESTMENT STRATEGIES Company investment objectives are to maximize current income to the extent consistent with the preservation by investing in securities. The Fund attempts to meet its investment objective by following investment approach A. Investing in high quality money market instruments including 1 US Treasury bills notes and bonds 2 obligations issued or guaranteed as to interest and principal by the US Government its agencies or instrumentalities and other such obligations that are neither insured nor guaranteed by the US Caspian Investments Ltd. Uppsala-Ekeby Industrihus ing. A21 Uppsala-Sweden info@fixed-investments.com Caspian Investments Ltd. Treasury such as the Federal Home Loan Mortgage Corporation the Federal National Mortgage Association and the Federal Home Loan Bank 3 instruments of US and foreign banks including certificates of deposit banker s acceptances and time deposits these instruments may include Eurodollar Certificates of Deposit Eurodollar Time Deposits and Yankee Certificates of Deposit 4 commercial paper of US and foreign companies 5