SCHEDULE OF CHARGES FOR THE PERIOD 1 JULY 2016 TO 31 DECEMBER, 2016 I N T E R N A T I O N A L B A N K I N G

Transcription

1 A. I M P O R T S: CASH LETTER OF CREDIT Frst Quarter For Each Subsequent Quarter Mnmum OPENING OF LC ( C O M M I S S I O N ) Upto Rs. 10 M 0.40% 0.25% over Rs. 10 M up to Rs. 100 M 0.30% 0.20% Rs.1,500/- Mn. over Rs.100M 0.20% 0.15% The above commsson s subject to adjustment after obtanng approval of competent authorty based on annual volumes / values & arrangements wth customer. Revaldaton Commsson of Expred LC Transfer to new benefcary As applcable for openng of fresh LC as per - a above. As applcable for openng of fresh LC as per - a above. Frst Quarter For Each Subsequent Qtr Mnmum Non-Rembursable LCs under Barter/AID/Loans. 1% per qtr. or part thereof 0.3% per qtr. or part thereof Rs.500/- LCs under Supplers/Buyers Credt, PAYES (Pay as You Earn Scheme) and Deferred Payment LCs for perod over one year. 0.40% per Qtr or part thereof. (At the tme of openng of LC to be charged on full amount of LC lablty plus nterest payable thereon fo the USANCE BILLS: Blls drawn at Usance under the LC other than PAYES (Pay as you Earn Scheme) and Supplers / Buyers Credt 0.25% or Rs. 2,000/- whchever s hgher, s to be recovered at the tme of retrement of the cases whch are beyond valdty of LC.Number of days from LC valdty date tll retrement date. However, no commsson s to be charged f the maturty/payment perod of the blls falls wthn the perod for LC openng commsson & whch has already been recovered v SIGHT LCs: x x x x x xv AMENDMENTS SCHEDULE OF CHARGES I N T E R N A T I O N A L B A N K I N G Rs.1500/- per transacton (flat) OR Commsson under tems () or () above, f amendment nvolves ncrease n amount or extenson n perod of shpment. v Markup on Import Blls under LC Overdue markup from IFB lodgment/negotaton date to date of payment. In case documents are retred after 15 days, Bank's commsson to be charged n addton to IFB commsson Overdue Markup n case DA/Usance Blls are not pad by mporters on due date 20% p. plus other charges as per SOC Pasas 25 per Rs.100/ % flat overdue mark-up flat (from the date of maturty tll adjustment date) s to be recovered on bll value or prcng as per credt approval wll be apple v LC cancellaton charges Rs.1,000/- along wth SWIFT charges Rs. 750/- - No Markup to be charged from the date of negotaton to the date of lodgement f 100% nterest/return free cash margn s provde - Where value date of debt to our account s mentoned on coverng Schedule/Telex/Swft ntmaton, markup to be charged from such effectve value date. - Rates are subject to adjustement after obtanng approval of competent authorty n consderaton of busness volumes/values & arrangements wth the customers. - When rembursement s made upon recept of documents markup s to be charged from the date of remttance. v Import Blls returned unpad US$100/- flat from forwardng Bank plus courer charges v Documentary Collectons Rs.1,000/-flat for all mport blls under contract, collecton, consgnment, advance payment & n case charges are on Exporter /Presenter account US$15/ flat. Regstraton of Import Contract 0.20%, Mnmum Rs.1,000/- as handlng charges at the tme of regstraton of contracts/ purchase order/ proforma nvoce et Rs.750/- on each subsequent amendment n regstraton The above commsson s subject to adjustment after obtanng approval of competent authorty based on annual volumes / values & arrangements wth customer. Servce charges for arrangng transportaton of consgnments from Karach to Dry Ports on specfc nstructons of mporter Rs.3,000/- Servce Charges aganst mport transactons.e. Import Blls (IFB) / Collectons (IB) / Contract /Advance Payments and Consgnment payment Remttance aganst Pasas 13 per Rs.100/- OR Rs.1/30 per mlle - Mnmum Rs.1,000/- PLUS actual swft charges n all cases mport wth or wthout LC / Advance payment. Rembursement charges (payable to rembursng Banks) Obtanng credt reports on foregn suppler Dscrepancy fee, f dscrepant documents are presented Handlng charges n leu of exchange earnngs where mporter buys Foregn Exchange from some other bank for LC opened / contract regstered wth us. At actuals Rs.500/- plus foregn bank/agency chgs at actuls plus swft charges. US$80/- plus US$20/- Swft Charges 0.13% - Mnmum Rs.500/- B. EXPORTS: LETTERS OF CREDIT Advsng Amendment Advsng Negotaton of Rupee Blls under LCs Confrmaton e. Transfer of Export LCs f. Rembursement payment to / from other local banks from Non Resdent Rupee Accounts If the documents are sent to other banks for negotaton under restrcted LCs Negotaton/Purchase of Export Blls under Sght or Usance LC or DP Collecton v v v Export Refnance Applcaton - Handlng Charges LTFF (Long Term Fnance Faclty under SBP Scheme) - Handlng Charges COLLECTIONS: Clean / Cheques (Export) Handlng of Export doucments sent on collecton / Advance Payment documents Servce charges aganst Export Documents sent on Collecton bass / Advance Payment of Export / Payment of Collectn Blls. Foregn Blls for Collecton (Clean/Documentary) returned unpa v Handlng of Duty Draw Back Clams v Handlng of Research & Development Support clams - SBP x x Collecton of Expot Development Surcharge Overdue FAFB/FAPC Overdue Export Refnance. other Usance DA documents three days after maturty. Overdue FAFB: DP documents 45 days from the date of dsbursement and x FE-25 Loans e. Overdue FLATR n Imports and FBD, Pre or Post Shpment n Exports x If payment of Exports / Advance payment to Afghanstan s deposted n FCY notes n FC Accounts/ Encashment n PKR Letter or ntmaton of any sort sent to other bank x NOC to other banks for E Forms verfed by us s no longer requred xv Handlng of Transacton of ndrect exporters (SPO) Rs.1,200/- Flat Rs.1,000/- Flat 0.35% - Mnmum Rs.1,000/- 0.35% per quarter - Mnmum Rs.1,000/- Rs.1,000/- Flat plus Swft &/or Postage Charges Rs.500/- Flat Rs.1,000/- Flat Handlng charges plus 0.13% servce charges If proceeds not realzed wthn perod of the deal fxed 18% or prcng as per credt approval wll be apple In case FDBC converted nto FBP/FBD/IBP, no handlng charges should be recovere Rs.500/- per applcaton Rs.1,500/- per case Rs.200/- Rs.500/- Flat Pasas 13 per Rs.100/- - Mnmum Rs.500/- Rs.500/- plus courer charges &/or Swft Charges, f any. 0.35% - Mnmum Rs.500/- per clam 0.4% - Mnmum Rs.500/- per clam Rs.80/- per transacton to be charged to exporters 19%p. from the date of overdue / Maturty to date of payment (or Pasas 52 per Rs.1,000/- per day) For FE-25 Loans e. Overdue FLATR n Import and FBD, Pre & Post shpment n Export cases, rate wll be appled n addton to 5% on agreed prcng, n case of 0.15% Flat - Mnmum Rs.500/- Rs.500/- per case Rs.500/- per transacton Page 1 of 7

2 C. xv xv Submsson of Applcaton for freght subsdy Issuance of Realzaton Certfcates (Annex: A or B) for rebate clams REMITTANCES: (FOREIGN CURRENCY) OUTWARD: e. f. g. INWARD: FDD/FTT (for remttances abroad through FC A/c) FDD Cancellaton Charges Duplcate FDD ssuance charges Servce charges aganst ssuance of FTT/FDD aganst Pak Rupees Handlng charges on ssuance of FTT/FDD aganst Pak Rupees Remttances/Encashment from FC A/c wthn 10 days of depost of FCY Notes. Depost of EUR, GBP & UAE Notes n FC Accounts of Exchange Companes Others Indentng Commsson Return of Inward Remttance SCHEDULE OF CHARGES Rs.100/- per case Rs.100/- per certfcate US$1/- per US$1,000/- or part thereof Mn US$10/- & Max US$25/- or equvalent n other FCY plus SWIFT charges US$10/- n case of TTs and US$5/- n case of US$ 5/- or equvalent plus Swft charges US$ 5/- or equvalent plus Swft charges Pasas 13 per Rs.100/- or Rs.1/30 per mlle. Rs.500/- (Flat) plus Swft Charges Rs.750/- n case of FTT. 0.25% Flat - Mnmum Rs.200/- 0.5% at upcountry branches AND 0.25% at Karach branches - Mnmum Rs.500/- Nl, f proceeds are credted to an account wth us. In other cases Rs.100/- Servce Pasas 13 per Rs.100/- Mnmum Rs.200/- US$ 10/- or equvalent D. COLLECTION: (FOREIGN CURRENCY) OUTWARD: Cheques / Bank Drafts / TCs et US$20/- or equvalent per nstrument plus courer charges, n case of TCs US$20/- per collecton PLUS courer charges. In case amount s credted n PKR A/C Cheques returned unpad charges of returnng bank plus US$ 5/- or equvalent Plus swft charges, f any. USD Clearng through NIFT US$ 5/- per transacton for Karach Branches & US$ 5/- plus courer chg for other branches. USD Clearng Cheque Return through NIFT US$ 5/- per transacton INWARD: Inward clean collectons receved from abroad or local banks If funds are demanded n FCY - US$ 1/- per US$1,000/-, Mn US$ 3/- & Max US$6/- plus SWIFT charges - and - f n PKR % commsson, Mnmum Rs.200/- Inward FCY cheque returned unpad due to nsuffcent balance US$ 5/- or equvalent to be recovered from drawer's account n case of USD Clearng through NIFT or Inward collecton receved from abroad or local banks. E. FOREIGN BILLS PURCHASED Purchase of clean FCY Instruments lke Cheques, Bank Drafts, TCs, et Rs.300/- Handlng charges --- OD buyng rates to be apple If proceeds are not realzed wthn 12 days then pasas 50 per Rs.1,000/- per day to be charge F. STANDING INSTRUCTION IN FCY ACCOUNTS Standng nstructons Fee US$ 1/- per transacton or equvalent G. MISCELLANEOUS Correspondent's Charges For verfcaton of test or authentcty of Swft message on behalf of other Banks Rs.250/- plus Swft charges &/or postage v Duplcate Advces, Annexures, PRC, et Postage / Courer / Swft Charges / Fax Rs.100/- (FLAT) Postage Overseas Rs.250/- Courer Overseas Rs.1,800/- or actual, whchever s hgher SWIFT - SHORT messages Rs.750/- SWIFT - FULL TEXT LCs et Rs.1,500/- e. Fax - Overseas Rs.250/- v Issuance of Proceeds Certfcate of Remttance dated beyond one year Rs.300/- per certfcate v Any other out of pocket expenses on any transacton not covered under ths SOC At s A B A D V A N C E S Followng charges wll be recovered n addton to markup/return on nvestment: Mscellaneous charges.e. Charges of documentaton, Evaluaton of Securty, Search, Mortgage charge regstraton and mantenance thereof, et n addton to that: - Project Examnaton Fee 1%, where applcable - Commtment Fee on undsbursed balance (from the date of sancton to the date of dsbursement, only on fund based commtments) 0.50%, where applcable Legal Charges In-house Legal Advce (Pre-mortgage) Mn 6,000 - Max 12,000 In-house Legal Advce (Post-mortgage) Mn 3,500 - Max 6,000 Outsde Legal Advce To mark len on securtes ssued by other Banks/DFIs Rs.500/- Legal Documentaton Cost plus any out of pocket expenses Redempton fee to be recovered from party when bank offcers Rs.2,000/- Flat are requred to go before Regstrar for redempton of the mortgage e. ecib report charges Rs.62/- per report f. For ssuance of NOC on the request of customer for creatng Rs.5,000/- Flat addtonal par-passu charge/second charge on ther fxed assets for acqurng further fnancng from other Banks/DFI g. Credt Worthness Report/BIR fee from outsource evaluator h. Project evaluaton / Apprasal Fee from outsource evaluator. Vacaton of charge Fee Rs.1,000/- per property COMMERCIAL/RETAIL/SME FINANCE: (NEW/RENEWAL/ENHANCEMENT) Processng Fee for Facltes up to Rs.1m Rs.2,500/- Flat Page 2 of 7

3 Processng Fee for Over Rs.1m up to Rs.10m Rs.4,300/- Flat Processng Fee for Over Rs.10m up to Rs.25m Rs.6,150/- Flat Processng Fee for Over Rs.25m Rs.7,400/- Flat e. Processng Fee for all One off facltes Rs.2,450/- Flat f. Processng Fee for Interm Extenson/ Revew Rs.1,225/- Flat C PLEDGE / HYPOTHECATION FINANCING Varous charges may be leved as follows: Movement out of shares pledged Rs.500/- per transacton Go-down Rent Salares of Godown keepers / Chowkdars Stock nspecton, f conducted by Bank staff Rs. 2,450 over Rs. 10 M e. Stock nspecton, f conducted by agents apponted by Bank f. Inspecton of vessels for scarpng / stock of scrap of vessels Rs.1,000/- for faclty up to Rs.10m & Rs.2,000/- over Rs.10m plus conveyance charges g. Delvery charges, f Godown keeper s not posted plus conveyance charges h. other ncdental expenses, nsurance premum, legal chgs, et. FIM Commsson 1% Flat, Mn. Rs.500/-, n case of un-servceable shps for scrappng no commsson to be charged j. Penal charges on overdue FIM / FTR Pasas 6 per Rs.1,000/- per day for the overdue perod n addton to normal markup, only where SMR s not applcable k. Clearng & Forwardng Agent Fee for clearng/off-loadng mported goods from Carrer. Whle recoverng Mscelaneous charges lke godown rent, godown staff salary, nspecton charges et the amount recovered from the borrower shall not exceed total rent of the godown, salary of the godown staff et In other words, charges should be leved as per actuals and should not become source of proft to the Bank. D E F AGRICULTURE FINANCE: Processng Fee CONSUMER FINANCE: Soner Car Fnance Charges of documentaton, Valuaton of used/recondtoned vehcle, Vehcle Regstraton & Comprehensve nsurance Polcy Prema Processng Fee Prepayment Charges Late Payment Charges e. Vehcle Reposssson charges Soner Personal Fnance Mscellaneous Charges for Documents Processng Fee Prepayment Charges Late Payment Charges Soner Ghar Fnance Charges of documentaton, Evaluaton of Securty, Search, Mortgage charge regstraton and mantenance thereof, et Processng Fee Mortgage Protecton Insurance Prema Prepayment / Baloon Payment Charges e. Late Payment Charges COMMERCIAL FINANCING OF CARS/VEHICLES Charges of documentaton, Vehcle Regstraton & Comprehensve nsurance Polcy Prema Processng Fee Late payment charges Rs. 1,000/- or 0.6% of fnance amount (at the tme of sanctonng & at the tme of renewal) whchever s hgher Rs.6,000/- Flat 2% of outstandng amount beng prepad Rs.625/- per nstallment per month ncurred by the Bank, upto a maxmum of Rs.30,000/- Rs.2,500/- 5% of outstandng amount beng prepad Rs.500/- per nstallment per month 0.50% of fnance amount - Mnmum Rs.2,500/- 2% of outstandng amount beng prepad Rs.500/- per nstallment per month 0.60% of fnance amount-mnmum Rs.3,000/- Rs. 600/- per nstallment G GUARANTEES Guarantees ssued to Shppng Companes / Arlnes n leu of Blls of Ladng / Endorsement of Arway Blls Vettng of Bank Guarantees - In-house Guarantees ssued to Collector of Custom n leu of payment of Export Duty whch are vald up to 6 months Rs.1,225/- Flat Rs.1,000/- (per Guarantee) 0.50% per quarter or part thereof - Mnmum Rs.1,000/- v Other Guarantees As per arrangement v Guarantees outsde Pakstan 0.40% per quarter or part thereof, Mn. Rs.1,000/- plus charges of correspondents v Parkng Guarantees (f ssued at Bank's own nstance) v Consortum Guarantees As per agreement v Guarantees ssued n Pakstan aganst 100% Cash Margn on whch no return / proft s pa All Guarantees ssued by banks must contan specfc amount and expry date and a date by whch the clams are to be lodge Commsson would be charged for the perod nclusve of the clam pero For ssuance of Guarantees on the counter guarantee of foregn correspondents / banks, varyng rates can be offered based on volume of busness receve Guarantee commsson wll contnue to be charged for expred guarantees untl orgnal guarantee s returned / release For Letters of Guarantee ssued up to 1 year valdty, commsson should be recovered upfront at the tme of ssuance of the guarantee for the full pero Page 3 of 7

4 e. For letters of Guarantees wth valdty of more than 1 year t should be endeavoured to recover commsson for the full perod upfront. However, f the customer s a valued clent & s not wllng to pay commsson for the full perod, commsson for the frst year to be recovered upfront at the tme of ssuance of the guarantee and subsequently for the second full year / broken perod as the case may be at the expry of the frst year. A B C D O M E S T I C B A N K I N G INLAND TRADE INLAND LETTERS OF CREDIT Openng commsson 0.40% per quarter or part thereof - Mnmum Rs.1,000/- for frst quarter and 0.20% for each subsequent quarter or part thereof Amendments Rs.1,000/- (Flat) OR Commsson as per (a) above, f amendment nvolves ncrease n amount or extenson n valdty. Others In case an nland LC s opened through another bank, then actual charges of the Bank openng the LC would be recovered n addton to our own charges Advsng Rs.1,500/- (Flat) e. Amendment Advsng Rs.1,000/- (Flat) f. Dscrepancy Fee Rs.1,500/- per document 1. The above commssons at (a), (b) & s subject to adjustment after obtanng approval of competent authorty based on annual volumes & arrangements wth customers. 2. In case commsson s for account of benefcary, t should be recovered upfront from the openers at the tme of openng the LC. On recept of proceeds + LC openng commsson, the LC commsson so receved should be credted to opener's Account. No commsson by ssung branch but charges on purchase of cheques wll be recovered as per tem B() (b) below.e. 0.40% - Mnmum Rs.15/- plus courer Authortes to encash cheques charges BILLS Collecton Documentary - through our own branches 0.35% OR Mnmum Rs.200/- plus postage/courer charges - through branches of other banks under arrangements where commsson s share These charges wll also apply n case a collecton s sent to the 0.50% OR Mnmum Rs.200/- plus postage/courer charges Clean (ncludng cheques) - through our own branches 0.30% OR Mnmum Rs.50/- & Maxmum Rs.5,000/- plus postage/courer charges - through branches of other banks 0.35% OR Mnmum Rs.100/- & Maxmum Rs.5,000/- plus postage/courer charges & payng bank charges at actual Returnng Charges for Documentary & Clean Collectons n case the nstruments are returned unpad Documentary - Rs.100/- Clean - Rs.50/- plus postage / courer charges Purchase of Blls, Cheques et Documentary Blls other than those drawn aganst LC and Clean Blls / Trade Cheques Same charges as for collecton as ndcated at () and above plus Markup from date of purchase to date of payment plus postage/courercharges from drawer or drawee as per arrangements between them. Other cheques / demand nstruments (lke dvdend warrants etc) 0.40% Mnmum Rs.25/- plus postage / courer charges Collecton Agent's charges, f the collectng bank s other than the bank, wll be extra Telegram/long Dstance call chgs wll be extra, f fate of the nstrument s asked by bank. e. Markup shall be appled as under on Blls purchased: 1 If retred upto 21 days from the date of purchase Pasas 45 per Rs.1,000/- per day 2 If retred after 21 days Pasas 49 per Rs.1,000/- per day f. Storage Charges No charges, f cleared wthn 3 days of ts recept by Branch otherwse Ps.0.50 per packet per day - Mnmum Rs.50/- Documentary Blls Drawn Aganst Inland LCs: 1 Sght Blls At Negotatng End Negotaton Commsson 0.39% - Mn. Rs.500/- (f not realsed wthn 12 days then Pasas 50 per Rs.1,000/- per day to be charged for any delay beyond 12 days). Collecton charges for restrcted LCs (Where negotaton s restrcted to some other bank and presented to us for forwardng) Rs.350/- (Flat) per bll At openng end (at the tme of retrement rates of Markup): f retred wthn 3 days from the date of lodgement Pasas 45 per Rs.1,000/- per day from the date of negotaton f retred after 3 days of lodgement but wthn 30 days from the date of negotaton Pasas 49 per Rs.1,000/- per day plus Bank's 0.20% f retred after 30 days from the date of negotaton Pasas 53 per Rs.1,000/- per day plus Markup and Bank's commssona as n (a) & (b) above Servce Charges on retrement of mport blls under Inland LC (Usance & SIGHT) 0.13% - Mnmum Rs Usance Blls:. At Negotatng End, n case of purchase Pasas 50 per Rs.1,000/- per day from the date of purchase tll maturty. Documentary Blls Drawn Aganst Inland LCs ( USANCE BILL) at openng end 0.10 % or Rs. 2,000/- whchever s hgher, s to be recovered at the tme of retrement of the cases whch are beyond valdty of LC.Number of days from LC If bll matures after expry of LC valdty date tll retrement date. However, no commsson s to be charged f the maturty/payment perod of the blls falls wthn the perod for whch LC openng commsson has already been recovere f bll remans unpad after due date 20% flat overdue Markup from due date tll date of payment All other charges as per notes to and e. above, where applcable, shall also be applcable. REMITTANCES DDs payable on branches of other banks under arrangements, where commsson s share DD Cancellaton For all amounts 0.15% Rs.100/- (Flat) - Mnmum Rs.300/- In case of drawngs on other banks where the mnmum Issuance of Duplcate DD Rs.150/- (Flat) BANKER'S CHEQUE Issuance of Banker's Cheque Rs.210/- (Flat) Issuance of Banker's Cheque for the payment of fees/dues n favour of 0.50% of fees/dues or Rs.25 per nstrument whchever s less. Educatonal Insttutons, HEC/Board etc Cancellaton of Banker's Cheque Rs.300/- (Flat) Issuance of Duplcate Banker's Cheque Rs.210/- (Flat) e. Walk n customers Rs.350/- (Flat) Page 4 of 7

5 Issuance of SBP and NBP cheque on specfc request of customer SCHEDULE OF CHARGES Rs.500/- (Flat) v Settlement of 3rd Party Fund Transfers through Prsm System (RTGS) Monday to Frday (MT- 103) Charges Transacton tme from 09:00am to 01:30pm Rs.220/- per transacton Transacton tme from 01.:30pm to 03:00pm Rs.330/- per transacton Transacton tme from 03:00pm to 04:00pm Rs.550/- per transacton Monday to Frday (MT- 102) Charges Transacton tme from 09:00am to 04:00am Rs. 50/- per transacton v ONLINE BANKING Intercty Cash Depost/wthdrawal Upto Rs.500,000/- Over Rs.500,000/- Rs.125/- per transacton for Twn ctes only RS.250/- per transacton Onlne Bankng Servce s free to Ikhtar & Current Depost Account v SAME DAY OUTWARD CLEARING In towns where clearng s through NIFT Rs.300/- per nstrument For other Branches Rs.200/- per nstrument v INTERCITY CLEARING Intercty outward clearng through NIFT Rs.185/- per transacton Intercty outward clearng Return through NIFT Rs.125/- per transacton D E STANDING INSTRUCTIONS FEE: Standng nstructons fee wll be recovered n addton to the usual charges on remttances, f any Rs.60/- per transacton If funds are transferred n same branch from one A/c to another. Ths wll however, not apply n followng cases: Rs.50/- per transfer. 1 If funds are transferred from one A/c to another A/c wth the same ttle. 2 If funds are transferred from one A/c to another A/c wthn same group. SALE AND PURCHASE OF SECURITIES, SAFE CUSTODY ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS Sale and purchase of share and securtes 0.15% on the frst Rs.10,000/- of purchase prce or cost thereof or Mnmum Rs.25/- and 0.10% on amount exceedng Rs.10,000/- or Mnmum Rs.100/-. 1. The above charge s n addton to brokerage. 2. Commsson s not to be recovered on purchase of newly floated securtes, where t s payable by the Government / Government Agences, and from the subscrbers to new share floataton. 3. When orders for purchase or sale of share/securtes are executed through the bank's other offces, all ncdental expenses, such as postage, nsurance charges, et ncurred wll be recovered n addton to the commsson / brokerage charges. WITHDRAWAL FEE on shares and securtes held n safe custody (to be recovered at the tme of wthdrawal) 0.25% up to Rs.10,000/- of the padup of face value, Mnmum Rs.50/- & 0.125% on amount exceedng Rs.10,000/- - Mnmum Rs.100/- WITHDRAWAL FEE on Government Securtes (where shares and/or securtes sold are from those held n safe custody, ether commsson on sale of shares and securtes, as shown aganst tem () or wthdrawal fees, as shown aganst tem () and (), whchever s hgher, wll be charged but not both. Rs.10/- per scrp v Charges for collecton of nterest / return / dvdend 0.30% on the amount of nterest / return / dvdend collected/pa Mnmum Rs.20/- v HANDLING CHARGES for converson, renewal, consoldaton or subdvson of Government Securtes Rs.10/- per scrp v Sale of Government Securtes lke SSC/DSC et at a branch other than an Authorzed Branch Transport/Handlng Charges of Rs.200 per sale per customer Encashment of Proft Coupons / Govt. Securtes lke SSC/DSC by a branch other than Authorzed Branch Transport/Handlng Charges of Rs.100 per encashment per customer v SAFE DEPOSIT LOCKERS Fee to be recovered n advance at the commencement of perod RENT No Rent aganst followng Key Depost Small Lockers Rs.2,500/- p. Rs.30,000/- Medum Lockers Rs.3,750/- p. Rs.45,000/- Large Lockers Rs.6,250/- p. Rs.60,000/- Key Depost Rs.2,500/- per Locker Locker Breakng Charges Rs.5,000/- or actual per Locker, whchever s hgher Penalty on account of delay n annual locker fee payment Rs. 100/- per month F ALTERNATE DELIVERY CHANNELS VISA Debt Cards CLASSIC CARD GOLD CARD Jonng Fee Annual Fee Rs.500/- per card Rs.750/- per card Annual Fee Supplementary Card Rs.500/- per card Rs.750/- per card Card Replacement Fee Rs.400/- per card Rs.550/- per card e. Local ATM Cash wthdrawal from any Soner Bank ATMs f. Local ATM Cash wthdrawal from member Bank of 1 Lnk / M-net Rs.15/- per transacton g. Internatonal ATM Cash wthdrawal from ATMs wth PLUS logo Rs.300/- per transacton OR 3% of each Cash wthdrawal, whchever s hgher h. Local Purchase/Servces avaled at Pont of Sale Termnal (POS). Internatonal Purchase/Servces avaled at POS Rs.300/- per transacton OR 2.5% of transacton, whchever s hgher j. Funds transfer through ATM wthn Soner Bank Branches k. Inter Bank Funds Transfer through ATM Rs.100/- per transacton Page 5 of 7

6 l. Balance enqury through ATMs ATMs located n Pakstan ATMs located outsde Pakstan PKR equvalent to US$ 2/- m. Arbtraton Charges on dsputed transacton (local / Internatonal) PKR equvalent of US$ 500/- per case n. Document Retreval Charges Local Rs.250/- per retreval o. Document Retreval Charges Internatonal PKR equvalent of US$ 10/- per retreval E-Commerce Sesson Actvaton Rs.100/sesson Phone Bankng Regstraton ncludng Balance nqury, vewng Statement of account, Moble top ups and Utlty Bll Payments Funds Transfer wthn Soner Bank Branches Inter Bank Funds Transfer to 1 Lnk Member Banks Rs.50/- per transacton v Moble Bankng Regstraton ncludng Balance nqury, vewng Statement of account, Moble top ups and Utlty Bll Payments Funds Transfer wthn Soner Bank Branches Inter Bank Funds Transfer (IBFT) to 1 Lnk Member Banks Rs.60/- per transacton v Internet Bankng Regstraton ncludng Balance nqury, vewng Statement of account, Moble top ups and Utlty Bll Payments Funds Transfer wthn Soner Bank Branches Inter Bank Funds Transfer to 1 Lnk Member Banks Rs.60/- per transacton v SMS Alert Charges Rs.60/- per tmonth G H Investment Portfolo Securtes transactons (T-Blls/PIB/IJARA/SUKUK) Rs.500/- per transacton (Sale or Purchase or Transfer) PIB / IJARA / SUKUK Coupon Payment 0.025% sem-annually on face value or Rs.1,000/- per month, whchever s hgher IPS Statements Quarterly s Free but on request Rs.100/- wll be charged MISCELLANEOUS CHARGES Cheque Book Charges PKR Accounts Rs.8 per leaf FCY-USD Accounts USD 0.08 per leaf FCY-GBP Accounts GBP 0.05 per leaf FCY-EUR Accounts EUR 0.07 per leaf e. FCY-JPY Accounts YEN 7.97 per leaf Issuance of Cheque Book on Form 'B' PKR & all FCY Accounts Rs.300/- or equvalent plus cheque book charges as per pont H- Stop Payment of Cheque PKR Accounts Rs.300 per nstructon e. FCY-USD Accounts FCY-GBP Accounts FCY-EUR Accounts FCY-JPY Accounts USD 2.87 per nstructons GBP 2.01 per nstructons EUR 2.55 per nstructons YEN 300 per nstructons v Duplcate Statement of Account For 6 months PKR Accounts Rs.35 (nclusve of FED) FCY-USD Accounts USD 0.33 (nclusve of FED) FCY-GBP Accounts GBP 0.23 (nclusve of FED) FCY-EUR Accounts EUR 0.30 (nclusve of FED) e. FCY-JPY Accounts YEN 35 (nclusve of FED) f. estatement of Account Free v Basc Bankng Account Per month maxmum two depost transactons and two chequng transactons are allowed Rs.25/- wll be charged on each addtonal transacton durng the month v Provdng copy of Cheques: Photocopy of Cheque, posted wthn 3 months Rs.60/- per cheque Photocopy of Cheques, posted before 3 months Rs.400/- per cheque Duplcate Advce older than 1 year Rs.60/- per advce Photocopy charges other than CNIC Rs.5/- per copy v Cheque drawn on us and returned unpad for nsuffcent funds v Remnder Letter OR return cheque dspatch on a/c of outward retuned cheques Rs or any amount less then Rs.625/- avalable n the account to be recovered from drawer's account n Clearng, Transfer Delvery, Same Day Clearng, Intercty Clearng & Inward Collecton (IBC). Rs. 100/- x x INVESTMENT PORTFOLIO SECURITIES (IPS) ACCOUNT Hold Mal Instructon Charges COMMUNICATION: Postage charges - Inland Rs.75/- Courer charges - Inland Rs.100/- Cable Rs.75/- Telephone Charges Rs.100/- Rs.1,000/- per annum (n advance, only for exstng hold mal customers) Page 6 of 7

7 e. Fax charges Rs.10/- per page x Confrmaton of balance to audtors Rs.300/- per certfcate x Any type of certfcate ssued at the request of customer excludng Zakat and wthholdng Tax Deducton certfcate Rs.250/- per certfcate x Account Mantenance / Servce Charges for not mantanng requste balance as defned below for all products: e. f. * Soner Current Account Rs.5,000/- monthly average balance (Intal depost Rs.1,000/-) * Soner Ikhtar Current Account Rs.5,000/- monthly average balance (Intal depost Rs.1,000/-) BBA Account (ntal depost Rs.1,000/-) No lmt on mnmum balance. (SBP BPD Crcular # 30 of 2005, dated November 29, 2005) ** PLS Savngs Account (ntal depost Rs.100/-) PLS Soner Savngs Account Rs.5,000/- monthly average balance (ntal depost Rs.1,000/-) FCY Current Account (ntal depost / monthly average balance USD100 / EUR100 / GBP100 / JPY5000) USD Account $0.46 per month nclusve of FED GBP Account 0.30 per month nclusve of FED EUR Account 0.38 per month nclusve of FED JPY Account per month nclusve of FED g. FCY Savngs Account (ntal depost / monthly average balance USD100 / EUR100 / GBP100 / JPY5000) * No mnmum balance requred to aval free servces. ** Intal amount for openng of regular PLS Savngs account wll be Rs.100/-, however, no ntal depost would be requred for openng of account by () Mustahkeen of Zakat, () Students, () Employees of Government or Sem Government nsttutons for salary and penson purposes (ncludng wdows/chldren of deceased employees elgble for famly penson/benevolent fund grant, et) and smlar types of accounts. (SBP BPRD Crcular # 7 of 2011, dated May 27, xv Any out of pocket expenses or any transacton not covered under ths SOC Rs.50/- per month nclusve of FED Rs.50/- per month nclusve of FED Rs.50/- per month nclusve of FED I STAFF SALARY ACCOUNTS Followng facltes are avalable FREE to Staffs of Soner Bank Cheque Books ssuance FREE VISA Debt Card - Annual Fee FREE Banker's cheques ssuance FREE Onlne Bankng Servce FREE e. SMS Alert Faclty FREE f. Locker Rent 50% wll be waved S O N E R I T R A N C T A Electronc Payment and Reportng Implementaton Charges (One Tme) Mantenance Charges (Monthly) Reportng & MIS (Monthly) Funds Transfer (B/W accounts mantans wth wthn Soner Bank) Funds Transfer - IBFT Corporate / customer cheque ssuance Banker's Cheque Demand Draft B Collectons Collectons / Recevable Management servces Post Dated Cheques (Processng & Warehousng) C Dvdend Warrants Payout Dvdend ssuance outsourcng C A S H M A N A G E M E N T S E R V I C E S - CORPORATE & INVESTMENT BANKING Upto Rs.50,000/- Upto Rs.15,000/- Upto Rs.10,000/- Upto Rs.50/- per transacton Upto Rs,100/- per transacton Upto Rs.100/- per nstrument Upto Rs.100/- per nstrument Upto 0.75% or Mnmum Rs.500/- per nstrument As per specfc arrangement/agreement wth the customer As per specfc arrangement/agreement wth the customer Upto 0.5% of the volume or mnmum Rs.100/- per nstrument Fees / Charges / Prcng for Cash Management servces offered to customers wll be decded on a case-to-case bass, dependng on the overall scope of servces, transacton volume, account balances n accordance wth mutual consent wth the customer. All such collecton accounts.e. non-chequng accounts from where the balances/funds as per standng nstructons, are transferred to customer's man collecton a/c whether daly or on perodcal bass, shall be exempt from levy of these servce charges. Accounts mantaned by () Students, () Mustahqueen of Zakat; and () employees of Government/Sem-Government Insttutons for salary and penson purposes ncludng wdows/chldren of deceased employees elgble for famly penson/benevolent fund grant et shall be expempt from levy of servce charges. Also to be waved n case of cooperatve socetes, benevolent funds, chartable & welfare organzatons. No charges are to be recovered from students depostng the amount of Fees drectly n fee collectng account of Educatonal Insttuton. Branches are advsed that FED s now applcable on all bankng servces, except for few servces. The FED shall be recovered as per the rates applcable n the respectve provnces. For exempted servces & provnce wse rates Page 7 of 7