SCHEDULE OF BANK CHARGES

Transcription

1 January-June 2018

2 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) Table of Contents INLAND REMITTANCES COLLECTION AND OTHER SERVICES ALTERNATE DISTRIBUTION CHANNELS A. B. C. D. E. 4. ATMs/DEBIT/VISA DEBIT CARDʼs PREPAID CARDS MASTERCARD INTERNET/MOBILE BANKING CALL CENTRE/IVR FINANCING A. CONSUMER FINANCING (a) Auto Finance (b) Housing Finance (MUSKUN) (c) Other Durables B. CORPORATE/SME FINANCING (a) Vehicles (b) Other Equipment MISCELLANEOUS CHARGES ON FINANCING SAFE DEPOSIT LOCKERS TRADE SERVICES A. Imports B. Inland Trade C. Exports D. Letters of Guarantee INTERNATIONAL REMITTANCES POSTAGE & COMMUNICATIOBS A. B. C. D. E. F. Courier Charges (for all destinations) Registered Post SWIFT Charges RTGS Charges Facsimile Charges Telephone 10. For BIPL Staff 11. NOTES Serving you, the Right way

3 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) 1. INLAND REMITTANCES A. Issuance of Pay Order Pay Order issuance on Cash from Account Holders Islami current Account Islami Sahulat Account Islami Bachat Account (Average Monthly Balance) Up to Rs. 49,999/Rs. 50,000 99,999/Rs. 100, ,999/500,000 and above B. Issuance of DD / TT C. D. E. F. G. H. I. 2. Drafts, MTs and TTs against cash DD / PO Cancellation Duplicate Demand Draft Duplicate Pay Order Collection of Fees of Educational Institutions Issuance of Pay Order of Educational Institutions Issuance of Demand Draft or any other instrument of educational institutions, HEC / Board Rs. 75/Rs. 75/ ( if average monthly balance of Rs.25,000/- is maintained. Otherwise customer will be Rs.75/- ) Rs. 75/Rs. 38/Rs. 25/ Up to Rs.10,000/-: Rs.30 (Flat) +Correspondent Charges at actual; FROM Rs. 10,001/- to Rs. 100,000/-: 0.20% Minimum Rs.50/+ Correspondent Charges as per actual; OVER Rs. 100,000/-: 0.25% minimum Rs. 300/Service not provided Rs. 100/- for DD and Rs.200/- for PO Rs. 100/- (Flat) Rs. 100/- (Flat) FREE FREE 0.50% of fees / dues or Rs.25/per instrument which ever is less COLLECTION AND OTHER SERVICES A. Foreign Bills for Collection Clean Cheque / DD (FBC) a) Collection Charges (Clean Cheques) For USD Instruments (Minimum USD10/- + Actual Correspondent Charges + Courier Charges) For Other Currencies Instruments 0.3% of the instrument, Minimum Rs.400/-, Maximum Rs.1,500/- + Courier Charges + Actual Foreign Correspondent Charges (if any). b) Foreign Clean Cheque Return Charges Actual B. Local Bills for Collection clean / cheques Rs. 200/- (Flat) (LBC) inclusive of courier charges C. Clean item sent on collection return unpaid. (Local) Actual correspondent charges D. Issuance of SBP / NBP Cheques Rs. 500/- (Flat) E. Cheque Return Administrative Charges Inward Clearing / Cash Cheque: Rs. 200/- (Flat); Outward Clearing: FREE F. Special clearing charges through NIFT Rs. 300/- per cheque / instrument (Inclusive of cheque returned charges if any). G. Providing duplicate Debit / Credit advices, Rs. 50/- per item additional copies of L/Cs SWIFT messages, etc. H. Duplicate Statement of Account Rs. 35/I. Issuance of loose cheques. Rs. 500/- per cheque (subject to clearance by the Branch Manager) J. Balance confirmation to Auditors Rs. 300/- (Flat) K. Service charges on subscription of Up to 0.50% of the volume routed through successful application (bankers to issue) BankIslami; Minimum Rs. 15,000/L. Nil Account Closing charges M. Tax Certificate Issuance Charges N. Any other type of certificate issuance regarding Rs. 200/- per instant business dealing with the bank. 1

4 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) O. Hold mail charges P. Q. Registration / permits of student cases Issuance of Cheque Books Islami current Account Islami Sahulat Account R. Islami Bachat Account Handling charges for foreign currencies cash receipts S. Local U. S. Dollar Clearing T. Standing Instructions Fee U. Inter city clearing via NIFT V. W. X. Credit Report Charges / CIB Online charges E-Statements Utility Bill Payment Y. Stop Payment Charges Z. Old record information charges (subject to prior approval of the concerned BM) AA. Change Address AB. On line Transactions a) Cash Deposit b) Cash withdrawal AC. Investor Portfolio Securities (IPS) Account (i) Holding Charges Per Annum (to be recovered on monthly basis) (ii) Account Statement (iii) Transaction Charges Sale/Purchase (iv) Security Movement AD. Scrips Equity Trading (i) Account Opening Charges (a) Individual (b) Corporate (ii) Facilitation Charges (Share/Security Rate) Up to Rs from Rs.200 to from Rs.400 & above (iii) Custodial Charges (per annum) a) For Shares (Only Shariah Compliant) b) For TFCs (Only Shariah Compliant) c) For Rights (Only Shariah Compliant) (iv) Shares Transfer Charges (Per Share) Rs. 1,000/- p.a. - recoverable semi-annually or part thereof Rs. 2,000/- p.a. Rs per leaf ( if average monthly balance of Rs.25,000/- is maintained. Otherwise customer will be charged Rs per leaf Rs per leaf i) Up to 0.5% with no retention period in case of outward foreign remittance (for current accounts) ii) Retention period of 30 days from initial deposit in case of outward foreign remittance (for saving accounts) Rs. 200/- processing charges; Rs. 200/- return charges (as prescribed by SBP from time to time) Rs. 50/- per instruction. Standing Instructions fee will be recovered in addition to the usual charges on remittances, if any; Equivalent USD 1/- for FC accounts. Rs. 100/- per item (or actual charges, whichever is higher) Rs. 200/- per customer report FREE Rs. 8/- per bill or as advised by SBP / PBA from time to time (Included in Bill Amount) Rs. 200/- for local instruments; Actual correspondent charges for FC instruments Rs. 300/- per instance Rs. 100/FREE FREE "0.25% of investment amount plus CDC Charges at Actual Min Rs.2,499/-, Max Rs. 4,999/-." Rs. 100/- (Flat) Rs. 350 Per Transaction. Rs. 350 Per Transaction plus CDC Charges at Actual Nil Nil Nil Nil Nil Actual Actual Actual Actual 2

5 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) (v) Shares Pledge Charges (Per Share) (vi) NCCPL Charges (Per Share) (vii) UIN Charges (Per Annum) a) Individual b) Corporate (viii) CDC Sub Account Fee (Per Annum) AE. Cash Management Service Charges (i) One Time Charges (a) LinkIslami Online installation and user accounts set up (b) Training Charges (ii) Recurring Charges (a) LinkIslami Maintenance Charges (b) Dealer Creation Charges (c) Collection & Delivery of Cash through Rapid Cash (Adhoc Service) (d) Collection & Delivery of Cash through Rapid Cash Registered Corporate Customers (iii) Payment Transactions via LinkIslami (a) Cash Over Counter (Salary Disbursement) (b) Issuance of Corporate Cheques (c) Stop Payment of Corporate Cheque (d) Issuance of Payment Orders (e) Cancellation of Payment Orders (f) Internal Transfers (accounts within BIPL only) (g) IBFT (h) Transaction Cancellation Charges (COC) (iv) Collection Transactions via LinkIslami (a) Collection against Invoice upload mechanism (b) Collection without Invoice Upload (c) Collection through SIDA (d) Courier & Postage Charges (e) Utility Bill Payments 3. 3 Actual Actual Actual Actual Actual Rs. 2,500/- (Monthly) Rs. 500/- (per dealer) Rs. 2,000/- Up to PKR 1 Million and additional 0.15 paisa per thousand in excess of Rs. 1 M * (Applicable on all deposit products of BIPL, subject to monthly average account balance maintenance which shall be decided on a case to case basis through an agreement between the customers and the Bank. For services throughout calender year, average balance maintenance may vary subject to client's portfolio). Up to Rs. 50/- (per transaction) Up to Rs. 25/- (per instrument) Up to Rs. 50/- (per instrument) Up to Rs. 20/- (per instrument) Up to Rs. 50/- (per transaction) Rs. 50/- (per transaction) Up to Rs. 100/- (per transaction) Up to Rs. 50/- (per transaction) Up to Rs. 150/- (per transaction) Actual (if any) Rs. 10/- (Over and above Bill amount) ALTERNATE DISTRIBUTION CHANNELS A. BankIslami Cards Products & Service Charges (i) Visa Cards (a) Classic Card ( Issuance & Annual Subscription ) (b) Gold Card ( Issuance & Annual Subscription ) (c) Supplementary Card ( Issuance & Annual Subscription) (ii) Master Card (a) Classic Card ( Issuance & Annual Subscription ) Rs.610/Rs.910/Rs.250/- Rs.610/-

6 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) (b) Titanium Card ( Issuance & Annual Subscription ) (iii) PayPak Classic Card ( Issuance & Annual Subscription ) (iv) OneCard ATM Card ( Annual Subscription ) (v) Replacement Card Charges (all card brands - excluding OneCard) (vi) Pin Re-issuance Charges (vii) Chip Maintenance Charges (Exclusive of Issuance / Annual Charges ) (viii) Takaful & Accidental Cash Coverage (ix) Online Shopping Session Activation-Phone Banking (x) Online Shopping Session Activation-Mobile App, Internet Banking & SMS Pull B. BankIslami Cards - Per Transaction Fees (where applicable) (i) BankIslami Card at BankIslami ATM Withdrawal (ii) BankIslami Card at BankIslami ATM Mini Statement (iii) Biometric Withdrawal at BankIslami ATM Withdrawal (iv) BankIslami Card at 1Link/Mnet Member Bank ATM Withdrawal (v) BankIslami Card at International ATM Withdrawal (vi) BankIslami Card at Domestic POS Terminal Purchase (vii) BankIslami Card at International POS Terminal Purchase (viii) BankIslami Card for Online Shopping (ix) BankIslami Card for International ATM Balance Inquiry (x) BankIslami Card for ATM Balance Inquiry Mnet Bank Only C. BankIslami Cards Dispute Processing (per transaction) (i) Document Retrieval Domestic Transactions (ii) Document Retrieval International Transactions (iii) Arbitration Charges Domestic & International Disputes (iv) ATM snaps or CCTV retrieval charges against false complaints (per transaction) D. E-Channel Products & Service Charges (i) SMS Alerts (a) Bank Accounts (Issuance & Annual Subscription) (b) Consumer Assets (Issuance & Annual Subscription) (ii) mbankislami Mobile App (a) mbankislami (Issuance & Annual Subscription) Rs.1,200/Rs.500/Rs.600/Rs.600/Rs.100/Rs.150/ Rs.50/ Rs.5/ Rs.15/2.75% of amount 2.75% of amount Rs.200/Rs.5/- Rs.200/Rs.850/Rs.500/Rs.1,000/- Rs.960/Rs.960/ 4

7 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) E. F. (iii) ibankislami Internet Banking (a) ibankislami (Issuance & Annual Subscription) E-Channels Per Transaction Fees (where applicable) (i) SMS Pull Service Per Request (ii) Standing Instructions via Internet Banking Per Request (iii) Utility Bills Payment (ATM, App, Internet Banking) (iv) Mobile Top up & Postpaid Bills (ATM, App, Internet Banking) (v) Internet Service Prepaid & Postpaid Connections (ATM, App, Internet Banking) (vi) Funds Transfer within BankIslami (ATM, App, Internet Banking) (vii) Funds Transfer Other Banks (IBFT) ATM, App, Internet Banking) Amount Range (PKR 1 PKR 9,999) Amount Range (PKR 10,000 PKR 249,999) Amount Range (PKR 250,000 PKR 499,999) Amount Range (PKR 500,000 PKR 1,000,000) CALL CENTRE / IVR (a) Account Statement (New / Old) (b) E-Statement Request (c) Balance / Reference Certificate (d) Pay Order Request (e) Funds Transfers (Intra-Bank) (f) Payments to Facility Account(s) from Deposit Account(s) (g) Subsequent Cheque Book Issuance (h) Utility Bill Payment (i) Cheque Stop Payment Request (j) Change address / Telephone number Rs.2/ Rs.15/Rs.50/Rs.100/Rs.150/Rs.35/ Rs.200/Rs.50/- flat Rs.10/- per leaf Normal Charges 4. FINANCING A. (a) AUTO FINANCE (i) (ii) (iii) 5 New Vehicle (Financing up to Rs. 1 M) Application Fees Documentation & Processing Valuation New Vehicle (Financing above Rs. 1 M but less than Rs. 10 M) Application Fees Documentation & Processing Valuation New Vehicle (Financing above Rs. 10 M but less than Rs. 50 M) Application Fees Documentation & Processing Valuation Rs. 1,200/- per car (inclusive of FED) Rs. 3,500/- per car (inclusive of FED) Not required Rs. 1,200/- per car (inclusive of FED) Up to Rs.4,400/- per car (inclusive of FED) Not required Rs. 1,200/- per car (inclusive of FED) Up to Rs.15,600/- per car (inclusive of FED) Not required

8 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) (iv) Old (Local / Imported) Vehicle (Financing up to Rs. 1 M) Application Fees Documentation & Processing Valuation (v) Old (Local / Imported) Vehicle (Financing above Rs. 1 M but less than Rs. 10 M) Application Fees Documentation & Processing Valuation (vi) Old (Local / Imported) Vehicle (Financing above Rs. 10 M but less than Rs. 50 M) Application Fees Documentation & Processing Valuation (vii) Repossession of Vehicle (viii) Cheque Return Charges (ix) (x) Change of vehicle after approval Additional Charges Vehicle Storage Charges Legal and Administrative Charges (b) HOUSING FINANCE (MUSKUN) Application (i) Processing Charges (ii) Appraisal (House/Flate) Financing Up to 10M Property Value above 10M BOQ Verification BOQ Tranche Visit Lawyers' Fee Income Estimation (iii) Musharakah Documentation Up to Rs. 1 M Above Rs.1 M and up to Rs. 10 M Above Rs.10 M and up to Rs. 50 M Above Rs.50 M and up to Rs. 100 M Above Rs.100 M and up to Rs. 300 M (iv) Partial Payment Once in every six months after first anniversary More than once in every six months Incidentals (v) (vi) Cheque Return Charges (c) OTHER DURABLES (i) Application fee (ii) Processing & Documents Charges (iii) Incidentals (iv) Cheque Return Administrative Charges (v) (vi) Default due to insufficient funds in account (for Standing Instructions cases) to be given in charity Duplicate Schedule / copies of Legal Documents Rs. 1,200/- per car (inclusive of FED) Rs. 3,500/- per car (inclusive of FED) Up to Rs. 7,500/Rs. 1,200/- per car (inclusive of FED) Rs. 4,400/- per car (inclusive of FED) Up to Rs. 7,500/Rs. 1,200/- per car (inclusive of FED) Rs. 15,600/- per car (inclusive of FED) At actual Up to Rs. 50,000/- maximum per case Administrative Charges; Local Cheques Rs.300/- Outstation Cheques Rs.500/Up to Rs. 1,500/- (flat) as per actual as per actual Rs. 6,000/- (inclusive of FED) (Non-refundable) Rs. 3,000/- (inclusive of FED) (Non-refundable) Rs. 4,500/- (Land: Rs. 4,000) Rs. 9,000/Rs. 3,000/Rs. 3,000/- Per Visit Actual Rs. 7,000/Rs, 3,400/Rs. 5,700/Rs. 16,900/Rs. 39,900/Rs. 54,900/FREE 5% increase of Unit face value At actuals Administrative Charges; Local Cheques Rs.300/- Outstation Cheques Rs.500/Rs. 1,200/- (per case) inclusive of FED Rs /- (per case) inclusive of FED At actual Local Cheques: Rs. 100/Outstation Cheques: Rs. 500/Rs. 1,500/Rs. 500/- (d) TAKAFUL (i) (ii) (iii) Change of beneficiary in first year Change of beneficiary after first year Additional Investment FREE Rs. 1,000/- per case (inclusive of FED) 2% of additional investment (inclusive of FED) 6

9 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) B. CORPORATE SME FINANCING (a) Vehicles (i) New Application Fees (ii) Processing Fees Documentation Old (Local / Imported) Application Fees Processing Fees Documentation Valuation (b) Other Equipment Processing Documentation Valuation (c) Processing, Structuring and Advisory Fees, in case of Renewal, it will be applicable on short term facility For SME Customers Facilities in (Million PKR) Up to Up to Up to Up to Up to Uto Up to Up to Rs. 1,200/- One Time (inclusive of FED) per sanction Rs. 3,500/- (inclusive of FED) per sanction At actual Rs. 1,200/- One Time (inclusive of FED) per sanction Rs. 3,500/- (inclusive of FED) per sanction At actual Up to Rs.5,000/- per vehicle Rs. 15,000/as per actual as per actual For Corporate Customers Facilities in (Million PKR) Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to Up to & Above Fee (PKR) 5,000 10,000 15,000 20,000 25,000 40,000 50,000 75,000 Fee (PKR) 20,000 40,000 75, , , , , , , , , MISCELLANEOUS CHARGES ON FINANCING (to be recovered in addition to profit / return on investment) A. Miscellaneous Charges (i.e. charged for documents, documents security, evaluation of security and maintenance there of etc.). B. Issuance of delivery order against pledge C. Search Report charges D. Godown Rent / Leased Assets Inspection Charges E. Godown Staff Keepers/Chowkidar F. Godown Inspection Charges G. Delivery Charges (If a Godown Keeper is not posted conveyance charges will also be recovered). H. Issuance of NOC in favor of other banks Actual cost incurred by BankIslami Rs. 500/- per delivery order Actual cost incurred by BankIslami plus Rs. 500/Actual cost incurred by BankIslami Actual cost incurred by BankIslami Actual cost incurred by BankIslami Actual cost incurred by BankIslami Rs. 2,500/- (flat) 6. SAFE DEPOSIT LOCKERS 7 A. Key Deposit Rs. 2,000/- (refundable) B. Locker Rental (Annual) - to be recovered in advance (a) Small Islami Current Account Rs. 1,500/- p.a. Islami Sahulat Account FREE (If average monthly balance of Rs. 500,000/- is maintained for 1 year otherwise customer will be charged Rs. 2,500/-) Islami Bachat Account Up to Rs. 2,500/(Average Monthly Balance) Asaan Account (Any) Rs. 2,500/- p.a.

10 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) (b) Medium Islami Current Account Islami Sahulat Account Rs. 3,000/- p.a. FREE (If average monthly balance of Rs. 750,000/- is maintained for 1 year otherwise customer will be charged Rs. 3,500/-) Up to Rs. 3,500/- Islami Bachat Account (Average Monthly Balance) Asaan Account (Any) (c) Large Islami Current Account Islami Sahulat Account Rs. 3,500/- p.a. Rs. 4,000/- p.a. FREE (If average monthly balance of Rs. 1,000,000/- is maintained for 1 year otherwise customer will be charged Rs. 5,000/-) Up to Rs. 5,000/- Islami Bachat Account (Average Monthly Balance) Asaan Account (Any) C. Locker breaking charges Rs. 5,000/- p.a. At Actual 7. TRADE SERVICES A. IMPORTS a) Letter of Credit Opening Rs. 1,500/ (i) Minimum Charges (ii) All L/C amount exceeding Rs. 100 Million shall attract additional service charges of Rs. 4,000/- (First Quarter) per Rs. I Million each (or part thereof) and Rs. 2,000/(for Subsequent Quarter) per Rs. 1 Million. (iii) Rs. 1,000/- (flat) will be charged per amendment along with service charges as above, if amendment involves increase in amount or extension in period of validity of L/C. (iv) Charges relating to corporate customers may differ as per the arrangement between the customer and the Bank. (v) Slabs for Letters of Credit service charges LC Amount From Up to 800,001 1,000,001 1,500,001 2,000,001 2,500,001 3,000,001 3,500,001 4,000,001 4,500,001 5,000,001 5,500,001 6,000,001 6,500,001 7,000,001 7,500,001 8,000,001 8,500,001 9,000,001 9,500,001 10,000,001 10,500,001 12,500,001 15,000,001 17,500,001 20,000,001 22,500,001 25,000,001 To 800,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 4,500,000 5,000,000 5,500,000 6,000,000 6,500,000 7,000,000 7,500,000 8,000,000 8,500,000 9,000,000 9,500,000 10,000,000 10,500,000 12,500,000 15,000,000 17,500,000 20,000,000 22,500,000 25,000,000 27,500,000 1st Quarter or part thereof 3,200 4,000 6,000 8,000 10,000 12,000 14,000 16,000 18,000 20,000 22,000 24,000 26,000 28,000 30,000 32,000 34,000 36,000 38,000 40,000 42,000 50,000 60,000 70,000 80,000 90, , ,000 Subsequent Quarters or Part Thereof 1,600 2,000 3,000 4,000 5,000 6,000 7,000 8,000 9,000 10,000 11,000 12,000 13,000 14,000 15,000 16,000 17,000 18,000 19,000 20,000 21,000 25,000 30,000 35,000 40,000 45,000 50,000 55,000 8

11 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) 1st Quarter or part thereof LC Amount From To 30,000,000 32,500,000 35,000,000 37,500,000 40,000,000 42,500,000 45,000,000 47,500,000 50,000,000 52,500,000 55,000,000 57,500,000 60,000,000 62,500,000 65,000,000 67,500,000 70,000,000 72,500,000 75,000,000 77,500,000 80,000,000 82,500,000 85,000,000 87,500,000 90,000,000 92,500,000 95,000,000 97,500, ,000,000 27,500,001 30,000,001 32,500,001 35,000,001 37,500,001 40,000,001 42,500,001 45,000,001 47,500,001 50,000,001 52,500,001 55,000,001 57,500,001 60,000,001 62,500,001 65,000,001 67,500,001 70,000,001 72,500,001 75,000,001 77,500,001 80,000,001 82,500,001 85,000,001 87,500,001 90,000,001 92,500,001 95,000,001 97,500,001 Subsequent Quarters or Part Thereof 120, , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 60,000 65,000 70,000 75,000 80,000 85,000 90,000 95, , , , , , , , , , , , , , , , , , , , , ,000 b) Acceptance of Bills under Usance LC (i) Minimum Charges Rs. 500/(ii) All acceptance amount exceeding Rs. 100 Million shall attract additional service charges of Rs. 750/-(monthly) per Rs. 1 Million each (or part thereof). (iii) Charges relating to corporate customers may differ as per the arrangement between the customer and the Bank. (iv) Slabs Acceptance Amount Range From 9 To Per Month or Part Thereof

12 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) Acceptance Amount Range From To Per Month or Part Thereof c) (i) Letter of Credit Miscellaneous (foreign + local) If maturity of the bill falls within the validity of L/C, then no acceptance will be charged. But if the bill falls due for payment beyond the expiry of the L/C, then the above service charges will be charged from the date of the expiry of the L/C till date of actual retirement of the bill. (ii) Airway bill endorsement / Issuance of Rs. 1,500/Shipping Guarantee. (iii) Registration of contract for Import on 0.15% (flat); Minimum Rs. 1,500/Collection basis. Rs. 1,000/(iv) Amendment to Contract registration (irrespective of any increase in amount) 10

13 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) (v) Acceptance for Import on collection basis (Usance LC / Contract and Imports on Collection) (vi) Clearing of goods without any prior arrangement under Import L/C (vii) Credit Information report including Credit Report on Foreign Suppliers/Buyers. (viii) Retirement of All Import Bills 0.15% (flat); Minimum Rs. 500/- 0.25% of the C & F value of the imported goods. Min. Rs. 750/- (flat). At actual 0.15% minimum Rs. 1, (to be included in the Murabaha Price). (ix) Import Bills return Unpaid. Rs. 500 plus courier charges from the beneficiary. (x) Correspondents reimbursement charges At actual (xi) Remittance against import without opening of 0.15% (flat) minimum PKR 2,000/LC / Registration of Contract (Advance Payment) Plus SWIFT / FDD Charges. (xii) Letter of Credit Cancellation Rs. 1,000/- (flat) plus swift charges. (xiii) Discrepancy fee FOREIGN BILLS: USD 75/- or equivalent to be collected from the beneficiary bank per discrepant document.(flat); INLAND BILLS: Rs. 4,000/- (flat) (xiv) Issuance of any Import Certificate Rs. 500/B. INLAND TRADE Rs. 2,000/(a) Minimum Charges (b) All LC amounts exceeding Rs. 100 Million shall attract additional service charges of Rs. 2,000/(First Quarter) per Rs. 1 Million each (or part thereof) and Rs. 1,000/- (for Subsequent Quarter). (c) Rs. 1,000/- (flat) will be charged per amendment along with service charges as above, if amendment involves increase in amount or extension in period of validity of L/C. (d) Charges relating to corporate customers may differ as per the arrangement between the customer and the Bank. (e) Slabs for Inland Letters of Credit Amount Range From 11 Up to 800,001 1,000,001 1,500,001 2,000,001 2,500,001 3,000,001 3,500,001 4,000,001 4,500,001 5,000,001 5,500,001 6,000,001 6,500,001 7,000,001 7,500,001 8,000,001 8,500,001 9,000,001 9,500,001 10,000,001 10,500,001 12,500,001 15,000,001 17,500,001 20,000,001 To 800,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 4,500,000 5,000,000 5,500,000 6,000,000 6,500,000 7,000,000 7,500,000 8,000,000 8,500,000 9,000,000 9,500,000 10,000,000 10,500,000 12,500,000 15,000,000 17,500,000 20,000,000 22,500,000 1st Quarter or part thereof 3,600 4,500 6,750 9,000 11,250 13,500 15,750 18,000 20,250 22,500 24,750 27,000 29,250 31,500 33,750 36,000 38,250 40,500 42,750 45,000 47,250 56,250 67,500 78,750 90, ,250 Subsequent Quarters or Part Thereof 1,800 2,250 3,375 4,500 5,625 6,750 7,875 9,000 10,125 11,250 12,375 13,500 14,625 15,750 16,875 18,000 19,125 20,250 21,375 22,500 23,625 28,125 33,750 39,375 45,000 50,625

14 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) Amount Range From 22,500,001 25,000,001 27,500,001 30,000,001 32,500,001 35,000,001 37,500,001 40,000,001 42,500,001 45,000,001 47,500,001 50,000,001 52,500,001 55,000,001 57,500,001 60,000,001 62,500,001 65,000,001 67,500,001 70,000,001 72,500,001 75,000,001 77,500,001 80,000,001 82,500,001 85,000,001 87,500,001 90,000,001 92,500,001 95,000,001 97,500,001 To 25,000,000 27,500,000 30,000,000 32,500,000 35,000,000 37,500,000 40,000,000 42,500,000 45,000,000 47,500,000 50,000,000 52,500,000 55,000,000 57,500,000 60,000,000 62,500,000 65,000,000 67,500,000 70,000,000 72,500,000 75,000,000 77,500,000 80,000,000 82,500,000 85,000,000 87,500,000 90,000,000 92,500,000 95,000,000 97,500, ,000,000 (f) Slabs for acceptance of Inland Bills C. EXPORTS a) Letters of Credit (i) Advising (ii) Amendment Advising (iii) Negotiation of Rupee Bills under L/C (iv) Confirmation (v) Transfer of export L/C b) If documents are sent to other local Banks for negotiation under restricted Letters of Credit. c) Handling of duty draw back claims d) Documentary Collections (Local) e) Service charges against export documents sent on collection basis, where payment cover is already received in bank's foreign currency account. f) Handling of Freight Subsidy cases g) Handling of Export Development Surcharge (EDS) cases h) Service Charges for issuance of EPRC / PRC Against Advance Payment 1st Quarter or part thereof 112, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 Subsequent Quarters or Part Thereof 56,250 61,875 67,500 73,125 78,750 84,375 90,000 95, , , , , , , , , , , , , , , , , , , , , , , ,000 Same as 1.A.b).iv Rs. 1,500/- (Flat) Rs. 1,000/- (Flat) As per Shariah approved modes Rs. 1,000/- (Flat) Rs. 1,500/- (Flat) Rs. 1,000/- (Flat) 0.25% of claim, minimum Rs. 1,000/Rs. 1,000/- (Flat) Paisa 15 per Rs.100, minimum Rs. 2,000 or as revised from time to time. Rs. 1,000/- per case - subject to revisions made by the Export Promotion Bureau from time to time Rs. 80/- per case - subject to revisions made by the Export Promotion Bureau from time to time Rs. 500/- (Flat) 12

15 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) i) j) k) l) m) n) o) p) q) r) s) D. a) b) c) d) e) f) g) Rs. 500/- (flat) per case FCF Processing Fee All costs to be covered in facility structure Islamic Export Refinance Scheme (IERS) Processing Fee Rs. 1,000/- (flat) per case ERF - NOC for Entitlement Rs. 1,000/- (flat) plus courier charges if any Export L/C Pre-Advice (including L/C Amendments) Rs. 1,000/- (flat) per case Transfer of export bills lodged under collection to other banks. 0.13% Minimum Rs. 2,000/Service charges against export advance payment received Rs. 500/- (flat) per document. Documents returned unpaid Rs. 500/- (flat) per case Documents sent to other banks for negotiation under restricted L/C Rs. 500/- (flat) per case Handling of R & D / DLT Cases Rs. 500/- per item Issuance of Performance Certificate or Verification or Statement other than EE & EF form N.O.C to other Banks for 'E' Form Verification Rs. 1,000/- (flat) LETTERS OF GUARANTEE Minimum Charges for Issuance of Letters of Guarantee 2,000/- (flat) All guarantees amount exceeding Rs. 100 Million shall attract additional service charges of Rs. 8,000/- per Rs.1 Million each (per quarter or part thereof) + 4,000/- subsequent quarters. Rs. 1,000/- (flat) will be charge per amendment plus service charges as above, if amendment involves increase in amount or extension in period of validity of Guarantee. Charges for guarantees issued on behalf of banks ( correspondent / local / foreign) under their counter guarantees may be negotiated on a case to case basis at the sole discretion of the bank. Claim handling charges Rs. 2,000/- (flat) Charges relating to corporate customers may differ as per the arrangement between the customer and the Bank. Slabs for Letters of Guarantee Amount Range From 13 Up to 800,001 1,000,001 1,500,001 2,000,001 2,500,001 3,000,001 3,500,001 4,000,001 4,500,001 5,000,001 5,500,001 6,000,001 6,500,001 7,000,001 7,500,001 8,000,001 8,500,001 9,000,001 9,500,001 10,000,001 10,500,001 12,500,001 15,000,001 17,500,001 To 800,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 4,500,000 5,000,000 5,500,000 6,000,000 6,500,000 7,000,000 7,500,000 8,000,000 8,500,000 9,000,000 9,500,000 10,000,000 10,500,000 12,500,000 15,000,000 17,500,000 20,000,000 1st Quarter charges 4,000 5,000 7,500 10,000 12,500 15,000 17,500 20,000 22,500 25,000 27,500 30,000 32,500 35,000 37,500 40,000 42,500 45,000 47,500 50,000 52,500 62,500 75,000 87, ,000 Subsequent Quarters or Part Thereof 2,000 2,500 3,750 5,000 6,250 7,500 8,750 10,000 11,250 12,500 13,750 15,000 16,250 17,500 18,750 20,000 21,250 22,500 23,750 25,000 26,250 31,250 37,500 43,750 50,000

16 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) Amount Range From To 20,000,001 22,500,001 25,000,001 27,500,001 30,000,001 32,500,001 35,000,001 37,500,001 40,000,001 42,500,001 45,000,001 47,500,001 50,000,001 52,500,001 55,000,001 57,500,001 60,000,001 62,500,001 65,000,001 67,500,001 70,000,001 72,500,001 75,000,001 77,500,001 80,000,001 82,500,001 85,000,001 87,500,001 90,000,001 92,500,001 95,000,001 97,500,001 22,500,000 25,000,000 27,500,000 30,000,000 32,500,000 35,000,000 37,500,000 40,000,000 42,500,000 45,000,000 47,500,000 50,000,000 52,500,000 55,000,000 57,500,000 60,000,000 62,500,000 65,000,000 67,500,000 70,000,000 72,500,000 75,000,000 77,500,000 80,000,000 82,500,000 85,000,000 87,500,000 90,000,000 92,500,000 95,000,000 97,500, ,000,000 1st Quarter charges 112, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 Subsequent Quarters or Part Thereof 56,250 62,500 68,750 75,000 81,250 87,500 93, , , , , , , , , , , , , , , , , , , , , , , , , , INTERNATIONAL REMITTANCES A. OUTWARD a) FDD / FTT including SWIFT charges b) Duplicate FDD / FTT c) FDD / FTT Cancellation d) Indirect FTT (through our correspondents) e) Foreign Travellers Cheques f) Purchase of FDDs / Tcs B. INWARD a) General USD 10/- (Flat) or equivalent in other currencies USD 10/- (Flat) or equivalent in other currencies USD 15/- (Flat) or equivalent in other currencies USD 15/- (Flat) or equivalent in other currencies 1% of the value of the Travellers' Cheques issued Handling charges: Rs. 50/-; OD Buying rate to be applied; Non-realisation of proceeds within 21 days: Paisas 36 per Rs. 1,000/- per day in excess of 21 days wait period (to be credited to charity account) FREE if the proceeds are credited to an account with us; Otherwise a flat charge of PKR 250/- plus FTT / FDD Charges. 14

17 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) b) Home Remittances FREE if proceeds are credited to an account with BankIslami or PO Issued; Otherwise, Rs. 100/- plus cost of Money Order or Telegram charges when T. T. is requested. 9. POSTAGE & COMMUNICATIONS A. Courier Charges (For all destinations) International a) Inland b) c) Local (within same city) B. Registered Post International a) Inland b) Local (within same city) c) C. SWIFT Charges Letter of Credit Full a) Letter of Credit Short b) Letter of Credit Amendment c) SWIFT Charges International d) SWIFT Charges Domestic e) D. RTGS Charges - Small Ticket Addition a) For Amount Rs. 100,000/Monday to Friday and upto Rs. 999,999/b) For Amount Rs. 1,000,000/- Monday to Friday and above 4,000/- per 0.5 kg. Rs. 100/- per 0.5 kg. or actual (whichever is higher) Rs. 60/- per 0.5 kg. or actual (whichever is higher) Rs. 500/- per 0.5 kg. Rs. 60/- per 0.5 kg. Rs. 1,400/Rs. 700/Rs. 700/USD 10/- (or equivalent in other currencies) Rs. 700/9:00 AM to 4:30 PM 9:00 AM to 1:30 PM 1:30 PM to 3:00 PM 3:00 PM to 4:30 PM E. Facsimile Charges International a) F. b) Inland c) Telephone a) Local b) Inland c) Local International Rs. 50/- per transaction on 3rd party fund transfers Rs. 200/- +10% of charges per transaction on 3rd party fund transfer Rs. 300/- +10% of charges per transaction on 3rd party fund transfer Rs. 500/- +10% of charges per transaction on 3rd party fund transfer Actual ISD call rates per minute; Minimum: Rs. 25/Actual NWD call rates per minute; Minimum Rs. 15/ Actual ISD call rates per minute; Minimum Rs. 50/Actual NWD call rates per minute; Minimum Rs. 25/ 10. For BIPL Staff Issuance of Pay Order Issuance of DD Issuance of FTT DD / PO Cancellation Duplicate DD / PO Lockers (Small, Medium, Large) 7 Outward Bill for Collection drawn outside Pakistan (OBC) 15 1 Locker (any size) FREE per staff in any branch in the same city subject to maximum 15% occupancy by staff otherwise refer to nearest branch 100% waiver to BIPL staff or his/her nearest family member. Waiver not applicable to 3rd party cheques

18 SCHEDULE OF BANK CHARGES (1 st Januar y t h June ) 8 OBC (drawn within Pakistan) 100% waiver to BIPL staff or his/her nearest family member. Waiver not applicable to 3rd party cheques 9 Inward Bill for Collections (IBC) 100% waiver to BIPL staff or his/her nearest family member. Waiver not applicable to 3rd party cheques 100% waiver to BIPL staff member provided the purpose of remittances is in accordance with SBP's form 'M' pre-approved purposes. 10 Outward FDD 11 FTT / FDD Cancellation 12 Cash Handling Charges on deposit of currency notes for credit to a Foreign Currency Account 13 Stop Payment of cheques 14 Stop payment on account of Loss of a Cheque Book 15 Duplicate statement of account 16 Confirmation of Balance to Auditors 17 Account Reactivation Charges 18 Issuance of Checkbooks (all currencies)- 25 leaves only 19 ATM / Visa Debit Card Issuance and Renewal 20 IBFT 21 OTP (One time Password via SMS) 22 Change Address Rs. 50/Rs. 2/- per SMS 11. NOTES A. Stamp Duty / FED if any will be recovered as per FBR regulations in addition to Bank's charges mentioned above. B. All charges are subject to government tax as announced/amended by the government from time to time. C. Discounts / waivers may be given to high-value customers of the Bank. D. Current Accounts are based on 'Qard' therefore Bank will not give any extra benefit or waiver on any facility to Current Account holders. E. Any Charges, including out-of-pocket expenses, which are not covered under this schedule shall be recovered separately on case-to-case basis (subject to prior approval from Resident Shari ah Board Member). Recommended By: FAROOQ ANWAR ATA HUSSAIN SAAD AHMED MADANI Shariah Compliance Approved By: MUFTI JAVED AHMAD Resident Shariah Board Member 16

19

20

21

22 2,000 2,500 3,750 5,000 6,250 7,500 8,750 10,000 11,250 12,500 13,750 15,000 16,250 17,500 18,750 20,000 21,250 22,500 23,750 25,000 26,250 31,250 37,500 43,750 50,000 56,250 62,500 68,750 75,000 81,250 87,500 93, , , , , , , , , , , , , , , , , , , , , , , , , ,000 4,000 5,000 7,500 10,000 12,500 15,000 17,500 20,000 22,500 25,000 27,500 30,000 32,500 35,000 37,500 40,000 42,500 45,000 47,500 50,000 52,500 62,500 75,000 87, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 4,500,000 5,000,000 5,500,000 6,000,000 6,500,000 7,000,000 7,500,000 8,000,000 8,500,000 9,000,000 9,500,000 10,000,000 10,500,000 12,500,000 15,000,000 17,500,000 20,000,000 22,500,000 25,000,000 27,500,000 30,000,000 32,500,000 35,000,000 37,500,000 40,000,000 42,500,000 45,000,000 47,500,000 50,000,000 52,500,000 55,000,000 57,500,000 60,000,000 62,500,000 65,000,000 67,500,000 70,000,000 72,500,000 75,000,000 77,500,000 80,000,000 82,500,000 85,000,000 87,500,000 90,000,000 92,500,000 95,000,000 97,500, ,000, ,001 1,000,001 1,500,001 2,000,001 2,500,001 3,000,001 3,500,001 4,000,001 4,500,001 5,000,001 5,500,001 6,000,001 6,500,001 7,000,001 7,500,001 8,000,001 8,500,001 9,000,001 9,500,001 10,000,001 10,500,001 12,500,001 15,000,001 17,500,001 20,000,001 22,500,001 25,000,001 27,500,001 30,000,001 32,500,001 35,000,001 37,500,001 40,000,001 42,500,001 45,000,001 47,500,001 50,000,001 52,500,001 55,000,001 57,500,001 60,000,001 62,500,001 65,000,001 67,500,001 70,000,001 72,500,001 75,000,001 77,500,001 80,000,001 82,500,001 85,000,001 87,500,001 90,000,001 92,500,001 95,000,001 97,500,001

23 8,000/-

24 33,750 39,375 45,000 50,625 56,250 61,875 67,500 73,125 78,750 84,375 90,000 95, , , , , , , , , , , , , , , , , , , , , , , ,000 67,500 78,750 90, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 15,000,000 17,500,000 20,000,000 22,500,000 25,000,000 27,500,000 30,000,000 32,500,000 35,000,000 37,500,000 40,000,000 42,500,000 45,000,000 47,500,000 50,000,000 52,500,000 55,000,000 57,500,000 60,000,000 62,500,000 65,000,000 67,500,000 70,000,000 72,500,000 75,000,000 77,500,000 80,000,000 82,500,000 85,000,000 87,500,000 90,000,000 92,500,000 95,000,000 97,500, ,000,000 12,500,001 15,000,001 17,500,001 20,000,001 22,500,001 25,000,001 27,500,001 30,000,001 32,500,001 35,000,001 37,500,001 40,000,001 42,500,001 45,000,001 47,500,001 50,000,001 52,500,001 55,000,001 57,500,001 60,000,001 62,500,001 65,000,001 67,500,001 70,000,001 72,500,001 75,000,001 77,500,001 80,000,001 82,500,001 85,000,001 87,500,001 90,000,001 92,500,001 95,000,001 97,500,001

25 1,800 2,250 3,375 4,500 5,625 6,750 7,875 9,000 10,125 11,250 12,375 13,500 14,625 15,750 16,875 18,000 19,125 20,250 21,375 22,500 23,625 28,125 3,600 4,500 6,750 9,000 11,250 13,500 15,750 18,000 20,250 22,500 24,750 27,000 29,250 31,500 33,750 36,000 38,250 40,500 42,750 45,000 47,250 56, ,000 1,000,000 1,500,000 2,000,000 2,500,000 3,000,000 3,500,000 4,000,000 4,500,000 5,000,000 5,500,000 6,000,000 6,500,000 7,000,000 7,500,000 8,000,000 8,500,000 9,000,000 9,500,000 10,000,000 10,500,000 12,500, ,001 1,000,001 1,500,001 2,000,001 2,500,001 3,000,001 3,500,001 4,000,001 4,500,001 5,000,001 5,500,001 6,000,001 6,500,001 7,000,001 7,500,001 8,000,001 8,500,001 9,000,001 9,500,001 10,000,001 10,500,001

26

27 85, ,000 42,500,000 40,000,001 90, ,000 45,000,000 42,500,001 95, ,000 47,500,000 45,000, , ,000 50,000,000 47,500, , ,000 52,500,000 50,000, , ,000 55,000,000 52,500, , ,000 57,500,000 55,000, , ,000 60,000,000 57,500, , ,000 62,500,000 60,000, , ,000 65,000,000 62,500, , ,000 67,500,000 65,000, , ,000 70,000,000 67,500, , ,000 72,500,000 70,000, , ,000 75,000,000 72,500, , ,000 77,500,000 75,000, , ,000 80,000,000 77,500, , ,000 82,500,000 80,000, , ,000 85,000,000 82,500, , ,000 87,500,000 85,000, , ,000 90,000,000 87,500, , ,000 92,500,000 90,000, , ,000 95,000,000 92,500, , ,000 97,500,000 95,000, , , ,000,000 97,500,001

28 1,600 3, ,000 2,000 4,000 1,000, ,001 3,000 6,000 1,500,000 1,000,001 4,000 8,000 2,000,000 1,500,001 5,000 10,000 2,500,000 2,000,001 6,000 12,000 3,000,000 2,500,001 7,000 14,000 3,500,000 3,000,001 8,000 16,000 4,000,000 3,500,001 9,000 18,000 4,500,000 4,000,001 10,000 20,000 5,000,000 4,500,001 11,000 22,000 5,500,000 5,000,001 12,000 24,000 6,000,000 5,500,001 13,000 26,000 6,500,000 6,000,001 14,000 28,000 7,000,000 6,500,001 15,000 30,000 7,500,000 7,000,001 16,000 32,000 8,000,000 7,500,001 17,000 34,000 8,500,000 8,000,001 18,000 36,000 9,000,000 8,500,001 19,000 38,000 9,500,000 9,000,001 20,000 40,000 10,000,000 9,500,001 21,000 42,000 10,500,000 10,000,001 25,000 50,000 12,500,000 10,500,001 30,000 60,000 15,000,000 12,500,001 35,000 70,000 17,500,000 15,000,001 40,000 80,000 20,000,000 17,500,001 45,000 90,000 22,500,000 20,000,001 50, ,000 25,000,000 22,500,001 55, ,000 27,500,000 25,000,001 60, ,000 30,000,000 27,500,001 65, ,000 32,500,000 30,000,001 70, ,000 35,000,000 32,500,001 75, ,000 37,500,000 35,000,001 80, ,000 40,000,000 37,500,001

29

30 20,000 40,000 75, , , , , , , , , ,000 10,000 15,000 20,000 25,000 40,000 50,000 75,

31 7,500 7,500 15,600 ix x 7,000 3,400/5,700/16,900/ ,900/ ,900/

32 A 15,600

33

34 (i) (ii) (iii) (iv)

35 (i) (ii) (iii) (iv)

36

37

38