SCHEDULE OF CHARGES FOR THE PERIOD JANUARY 01, 2017 TO JUNE 30, 2017 I N T E R N A T I O N A L B A N K I N G OPENING OF LC ( C O M M I S S I O N )

Transcription

1 SCHEDULE OF CHARGES FOR THE PERIOD JANUARY 01, 2017 TO JUNE 30, 2017 I N T E R N A T I O N A L B A N K I N G 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% oer Rs. 10 M up to Rs. 100 M 0.30% 0.20% Rs.1,800/- Mn. oer Rs.100M 0.20% 0.15% The aboe commsson s subject to adjustment after obtanng approal of competent authorty based on annual olumes / alues & arrangements wth customer. Realdaton Commsson of Expred LC Transfer to new benefcary As applcable for openng of fresh LC as per - a abo As applcable for openng of fresh LC as per - a abo Non-Rembursable LCs under Barter/AID/Loans. Frst Quarter For Each Subsequent Qtr Mnmum LCs under Supplers/Buyers Credt, PAYES (Pay as You Earn Scheme) and Deferred Payment LCs for perod oer one year. 1% per qtr. or part thereof 0.3% per qtr. or part thereof Rs.625/- 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 perod from the date of openng of LC tll the expry of LC, thereafter commsson s to be recoered on sx monthly bass on reducng lablty). All such LCs wll be opened subject to approal. USANCE BILLS: Blls drawn at Usance under the LC other than PAYES (Pay as you Earn Scheme) and Supplers / 0.25% or Rs. 2,000/- whcheer s hgher, s to be recoered at the tme of retrement of the cases whch are beyond aldty of Buyers Credt LC.Number of days from LC aldty date tll retrement dat Howeer, 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 recoered SIGHT LCs: AMENDMENTS Rs.1500/- per transacton (flat) OR Commsson under tems () or () aboe, f amendment noles ncrease n amount or extenson n perod of shpment. Markup on Import Blls under LC Oerdue 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 20% p. plus other charges as per SOC Pasas 25 per Rs.100/- Oerdue Markup n case DA/Usance Blls are not pad by mporters on due date LC cancellaton charges 1-20 % flat oerdue mark-up flat (from the date of maturty tll adjustment date) s to be recoered on bll alue or prcng as per credt approal wll be apple 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 prode - Where alue date of debt to our account s mentoned on coerng Schedule/Telex/Swft ntmaton, markup to be charged from such effecte alue dat - Rates are subject to adjustement after obtanng approal of competent authorty n consderaton of busness olumes/alues & arrangements wth the customers. - When rembursement s made upon recept of documents markup s to be charged from the date of remttanc Import Blls returned unpad US$100/- flat from forwardng Bank plus courer charges Documentary Collectons Rs.1,250/-flat for all mport blls under contract, collecton, consgnment, adance 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 noce et Rs.750/- on each subsequent amendment n regstraton The aboe commsson s subject to adjustment after obtanng approal of competent authorty based on annual olumes / alues & arrangements wth customer. x x x x x Serce charges for arrangng transportaton of consgnments from Karach to Dry Ports on specfc nstructons of mporter Serce Charges aganst mport transactons. Import Blls (IFB) / Collectons (IB) / Contract /Adance Payments and Consgnment payment Remttance aganst mport wth or wthout LC / Adance payment. Rembursement charges (payable to rembursng Banks) Obtanng credt reports on foregn suppler Dscrepancy fee, f dscrepant documents are presented 0.13% - Mnmum Rs.625/- Rs.3,000/- Pasas 13 per Rs.100/- OR Rs.1/30 per mlle - Mnmum Rs.1,000/- PLUS actual swft charges n all cases At actuals Rs.500/- plus foregn bank/agency chgs at actuls plus swft charges. US$80/- plus US$20/- Swft Charges x Handlng charges n leu of exchange earnngs where mporter buys Foregn Exchange from some other bank for LC opened / contract regstered wth us. B. EXPORTS: LETTERS OF CREDIT f. Adsng Amendment Adsng Negotaton of Rupee Blls under LCs Confrmaton Transfer of Export LCs Rembursement payment to / from other local banks from Non Resdent Rupee Accounts Rs.1,200/- Flat Rs.1,000/- Flat 0.35% - Mnmum Rs.1,000/- 0.40% per quarter - Mnmum Rs.1,000/- Rs.1,000/- Flat plus Swft &/or Postage Charges Rs.500/- Flat 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 Rs.1,000/- Flat Handlng charges plus 0.13% serce charges If proceeds not realzed wthn perod of the deal fxed 18% or prcng as per credt approal wll be apple In case FDBC conerted nto FBP/FBD/IBP, no handlng charges should be recoere

2 Export Refnance Applcaton - Handlng Charges LTFF (Long Term Fnance Faclty under SBP Scheme) - Handlng Charges COLLECTIONS: Rs.500/- per applcaton Rs.1,500/- per case Clean / Cheques (Export) Handlng of Export doucments sent on collecton / Adance Payment documents Pasas 13 per Rs.100/- - Mnmum Rs.625/- Rs.200/- Rs.625/- Flat Serce charges aganst Export Documents sent on Collecton bass / Adance Payment of Export / Payment of Collectn Blls. Foregn Blls for Collecton (Clean/Documentary) returned unpa Rs.500/- plus courer charges &/or Swft Charges, f any. Handlng of Duty Draw Back Clams 0.35% - Mnmum Rs.500/- per clam Handlng of Research & Deelopment Support clams - SBP 0.4% - Mnmum Rs.500/- per clam x Collecton of Expot Deelopment Surcharge Rs.80/- per transacton to be charged to exporters x x x x x Oerdue FAFB/FAPC Oerdue Export Refnanc Oerdue FAFB: DP documents 45 days from the date of dsbursement and other Usance DA documents three days after maturty. FE-25 Loans Oerdue FLATR n Imports and FBD, Pre or Post Shpment n Exports If payment of Exports / Adance payment to Afghanstan s deposted n FCY notes n FC Accounts/ Encashment n PKR Letter or ntmaton of any sort sent to other bank NOC to other banks for E Forms erfed by us s no longer requred Handlng of Transacton of ndrect exporters (SPO) 19%p. from the date of oerdue / Maturty to date of payment (or Pasas 52 per Rs.1,000/- per day) For FE-25 Loans Oerdue 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 exceptons approal from competent authorty s requred 0.15% Flat - Mnmum Rs.500/- Rs.500/- per case Rs.500/- per transacton x x Submsson of Applcaton for freght subsdy Issuance of Realzaton Certfcates (Annex: A or B) for rebate clams Rs.100/- per case Rs.100/- per certfcate C. REMITTANCES: (FOREIGN CURRENCY) OUTWARD: f. g. FDD/FTT (for remttances abroad through FC A/c) FDD Cancellaton Charges Duplcate FDD ssuance charges Serce 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 US$1/- per US$1,000/- or part thereof Mn US$10/- & Max US$25/- or equalent n other FCY plus SWIFT charges US$10/- n case of TTs and US$5/- n case of DDs. US$ 5/- or equalent plus Swft charges US$ 5/- or equalent plus Swft charges Pasas 13 per Rs.100/- or Rs.1/30 per mll 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/- INWARD: Others Indentng Commsson Return of Inward Remttance Nl, f proceeds are credted to an account wth us. In other cases Rs.100/- Serce Pasas 13 per Rs.100/- Mnmum Rs.200/- US$ 10/- or equalent D. COLLECTION: (FOREIGN CURRENCY) OUTWARD: Cheques / Bank Drafts / TCs et Cheques returned unpad USD Clearng through NIFT US$20/- or equalent per nstrument plus courer charges, n case of TCs US$20/- per collecton PLUS courer charges. In case amount s credted n PKR A/C than serce Pasas 13 per Rs.100/- - Mnmum Rs.500/- charges of returnng bank plus US$ 5/- or equalent Plus swft charges, f any. 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: E. F. Inward clean collectons receed from abroad or local banks Inward FCY cheque returned unpad due to nsuffcent balance FOREIGN BILLS PURCHASED Purchase of clean FCY Instruments lke Cheques, Bank Drafts, TCs, et STANDING INSTRUCTION IN FCY ACCOUNTS Standng nstructons Fee If funds are demanded n FCY - US$ 1/- per US$1,000/-, Mn US$ 3/- & Max US$6/- plus SWIFT charges - and - f n PKR % commsson, Mnmum Rs.200/- plus courer charges. These charges wll be recoered from the collectng bank. US$ 5/- or equalent to be recoered from drawer's account n case of USD Clearng through NIFT or Inward collecton receed from abroad or local banks. Rs.375/- 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 US$ 1/- per transacton or equalent G. MISCELLANEOUS Correspondent's Charges For erfcaton of test or authentcty of Swft message on behalf of other Banks Rs.250/- plus Swft charges &/or postage Duplcate Adces, Annexures, PRC, et Postage / Courer / Swft Charges / Fax Rs.100/- (FLAT) Postage Oerseas Rs.250/- Courer Oerseas Rs.1,800/- or actual, whcheer s hgher

3 SWIFT - FULL TEXT LCs et SWIFT - SHORT messages Rs.750/- Rs.1,500/- Fax - Oerseas Rs.250/- Issuance of Proceeds Certfcate of Remttance dated beyond one year Rs.375/- per certfcate Any other out of pocket expenses on any transacton not coered under ths SOC At s A D V A N C E S A Followng charges wll be recoered n addton to markup/return on nestment: Mscellaneous charges. Charges of documentaton, Ealuaton 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 0.50%, where applcable fund based commtments) Legal Charges In-house Legal Adce (Pre-mortgage) Mnmum Rs.6,000/- Maxmum Rs.12,000/- In-house Legal Adce (Post-mortgage) Mnmum Rs.3,500/- Maxmum Rs.6,000/- Outsde Legal Adce 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 recoered from party when bank offcers Rs.2,000/- Flat are requred to go before Regstrar for redempton of the mortgage ecib report charges Rs.100/- 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 ealuator h. Project ealuaton / Apprasal Fee from outsource ealuator. Vacaton of charge Fee Rs.1,000/- per property B COMMERCIAL/RETAIL/SME FINANCE: (NEW/RENEWAL/ENHANCEMENT) Processng Fee for Facltes up to Rs.1m Rs.2,500/- Flat Processng Fee for Oer Rs.1m up to Rs.10m Rs.4,300/- Flat Processng Fee for Oer Rs.10m up to Rs.25m Rs.6,150/- Flat Processng Fee for Oer Rs.25m Rs.7,400/- Flat Processng Fee for all One off facltes Rs.2,450/- Flat f. Processng Fee for Interm Extenson/ Reew Rs.1,225/- Flat C PLEDGE / HYPOTHECATION FINANCING Varous charges may be leed as follows: Moement out of shares pledged Rs.500/- per transacton Go-down Rent Salares of Godown keepers / Chowkdars Stock nspecton, f conducted by Bank staff Exposure upto Rs. 10(M): Rs.1,000 or - Whcheer s Hgher Exposure Oer Rs. 10(M): Rs.2,500 or - Whcheer s Hgher Stock nspecton, f conducted by agents apponted by Bank f. Inspecton of essels for scarpng / stock of scrap of essels Rs.1,000/- for faclty up to Rs.10m & Rs.2,000/- oer Rs.10m plus coneyance charges g. Delery charges, f Godown keeper s not posted plus coneyance charges h. other ncdental expenses, nsurance premum, legal chgs, et. FIM Commsson j. Penal charges on oerdue FIM / FTR 1% Flat, Mn. Rs.500/-, n case of un-serceable shps for scrappng no commsson to be charged Pasas 6 per Rs.1,000/- per day for the oerdue 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 recoerng Mscelaneous charges lke godown rent, godown staff salary, nspecton charges et the amount recoered from the borrower shall not exceed total rent of the godown, salary of the godown staff et In other words, charges should be leed as per actuals and should not become source of proft to the Bank. D AGRICULTURE FINANCE:

4 Processng Fee Rs. 1,000/- or 0.6% of fnance amount (at the tme of sanctonng & at the tme of renewal) whcheer s hgher E CONSUMER FINANCE: Soner Car Fnance Charges of documentaton, Valuaton of used/recondtoned ehcle, Vehcle Regstraton & Comprehense nsurance Polcy Prema Processng Fee Prepayment Charges Late Payment Charges Vehcle Reposssson charges Soner Personal Fnance Mscellaneous Charges for Documents Processng Fee Prepayment Charges Late Payment Charges 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 Soner Ghar Fnance Charges of documentaton, Ealuaton of Securty, Search, Mortgage charge regstraton and mantenance thereof, et Processng Fee Mortgage Protecton Insurance Prema Prepayment / Baloon Payment Charges Late Payment Charges 0.50% of fnance amount - Mnmum Rs.2,500/- 2% of outstandng amount beng prepad Rs.500/- per nstallment per month F COMMERCIAL FINANCING OF CARS/VEHICLES Charges of documentaton, Vehcle Regstraton & Comprehense nsurance Polcy Prema Processng Fee Late payment charges 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 ald up to 6 months Rs.1,500/- Flat Rs.1,000/- (per Guarantee) 0.50% per quarter or part thereof - Mnmum Rs.1,000/- Other Guarantees 0.40% per quarter or as per arrangement Guarantees outsde Pakstan 0.45% per quarter or part thereof, Mn. Rs.1,000/- plus charges of correspondents Parkng Guarantees (f ssued at Bank's own nstance) NIL Consortum Guarantees As per agreement Guarantees ssued n Pakstan aganst 100% Cash Margn on whch no return / proft s pa NIL 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 ncluse of the clam pero For ssuance of Guarantees on the counter guarantee of foregn correspondents / banks, aryng rates can be offered based on olume of busness recee 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 aldty, commsson should be recoered upfront at the tme of ssuance of the guarantee for the full pero For letters of Guarantees wth aldty of more than 1 year t should be endeaoured to recoer commsson for the full perod upfront. Howeer, f the customer s a alued clent & s not wllng to pay commsson for the full perod, commsson for the frst year to be recoered 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. D O M E S T I C B A N K I N G A INLAND TRADE INLAND LETTERS OF CREDIT Openng commsson Amendments Others 0.40% per quarter or part thereof - Mnmum Rs.1,000/- for frst quarter and 0.20% for each subsequent quarter or part thereof Rs.1,000/- (Flat) OR Commsson as per (a) aboe, f amendment noles ncrease n amount or extenson n aldty. In case an nland LC s opened through another bank, then actual charges of the Bank openng the LC would be recoered n addton to our own charges prescrbed abo The same would apply to ammendment to LCs opened through other banks.

5 Adsng Rs.1,500/- (Flat) Amendment Adsng Rs.1,000/- (Flat) f. Dscrepancy Fee Rs.1,500/- per document 1. The aboe commssons at (a), (b) & s subject to adjustment after obtanng approal of competent authorty based on annual olumes & arrangements wth customers. B 2. In case commsson s for account of benefcary, t should be recoered upfront from the openers at the tme of openng the LC. On recept of proceeds + LC openng commsson, the LC commsson so receed should be credted to opener's Account. Authortes to encash cheques No commsson by ssung branch but charges on purchase of cheques wll be recoered as per tem B() (b) below. 0.40% - Mnmum Rs.15/- plus courer 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 0.50% OR Mnmum Rs.200/- plus postage/courer charges apply n case a collecton s sent to the drawee branch of another bank 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 aboe 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 ddend 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. 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 Rs.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 Rs.350/- (Flat) per bll and presented to us for forwardng) 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) aboe Serce 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 If bll matures after expry of LC 0.10 % or Rs. 2,000/- whcheer s hgher, s to be recoered at the tme of retrement of the cases whch are beyond aldty of LC.Number of days from LC aldty date tll retrement dat Howeer, 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 recoere f bll remans unpad after due date 20% flat oerdue Markup from due date tll date of payment All other charges as per notes to and aboe, where applcable, shall also be applcabl C REMITTANCES DDs payable on branches of other banks under arrangements, where commsson s share For all amounts 0.15% - Mnmum Rs.300/- In case of drawngs on other banks where the mnmum amount to be charged under arrangements wth the bank s hgher than our mnmum charges than such mnmum charges as prescrbed under arrangements would be charge DD Cancellaton Rs.100/- (Flat) 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 faour of 0.50% of fees/dues or Rs.25 per nstrument whcheer s less. Educatonal Insttutons, HEC/Board etc Cancellaton of Banker's Cheque Rs.300/- (Flat)

6 Issuance of Duplcate Banker's Cheque Rs.210/- (Flat) e Walk n Customer Rs.350/- (Flat) Issuance of SBP and NBP cheque on specfc request of customer Rs.500/- (Flat) Settlement of 3rd Party Fund Transfers through Prsm System (RTGS) Monday to Frday (MT- 103) Transacton tme from 09:00am to 01:30pm Transacton tme from 01.:30pm to 03:00pm Transacton tme from 03:00pm to 04:00pm Charges Rs.220/- per transacton Rs.330/- per transacton Rs.550/- per transacton Monday to Frday (MT- 102) Charges Transacton tme from 09:00am to 04:00am Rs. 50/- per transacton 30 mnute processng tme wll be requred for executng RTGS fund transfer for 3rd party payments. Charges wll be calculated on the bass of RTGS transacton processng tme (MT-103). ONLINE BANKING Intercty Cash Depost/wthdrawal Upto Rs.500,000/- Oer Rs.500,000/- Rs.125/- per transacton NIL for Twn ctes only RS.250/- per transacton Onlne Bankng Serce s free to Ikhtar & Current Depost Account SAME DAY OUTWARD CLEARING In towns where clearng s through NIFT Rs.300/- per nstrument For other Branches Rs.200/- per nstrument INTERCITY CLEARING Intercty outward clearng through NIFT Rs.185/- per transacton Intercty outward clearng Return through NIFT Rs.150/- per transacton D STANDING INSTRUCTIONS FEE: Standng nstructons fee wll be recoered n addton to the usual charges on remttances, f any Rs.100/- per transacton If funds are transferred n same branch from one A/c to another. Ths wll howeer, not apply n followng Rs.50/- per transfer. cases: 1 If funds are transferred from one A/c to another A/c wth the same ttl 2 If funds are transferred from one A/c to another A/c wthn same group. E SALE AND PURCHASE OF SECURITIES, SAFE CUSTODY ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS Sale and purchase of share and securtes 1. The aboe charge s n addton to brokerag 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/-. 2. Commsson s not to be recoered on purchase of newly floated securtes, where t s payable by the Goernment / Goernment Agences, and from the subscrbers to new share floataton. Large Lockers Rs.6,250/- p. Rs.60,000/- 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 recoered n addton to the commsson / brokerage charges. WITHDRAWAL FEE on shares and securtes held n safe custody (to be recoered at the tme of wthdrawal) 0.25% up to Rs.10,000/- of the padup of face alue, Mnmum Rs.50/- & 0.125% on amount exceedng Rs.10,000/- - Mnmum Rs.100/- WITHDRAWAL FEE on Goernment Securtes (where shares and/or securtes sold are from those held n safe custody, Rs.10/- per scrp ether commsson on sale of shares and securtes, as shown aganst tem () or wthdrawal fees, as shown aganst tem Charges for collecton of nterest / return / ddend 0.30% on the amount of nterest / return / ddend collected/pa Mnmum Rs.20/- HANDLING CHARGES for conerson, renewal, consoldaton or subdson of Goernment Securtes Rs.10/- per scrp Sale of Goernment 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 / Got. Securtes lke SSC/DSC by a branch other than Authorzed Branch Transport/Handlng Charges of Rs.100 per encashment per customer SAFE DEPOSIT LOCKERS Fee to be recoered n adance 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/-

7 Key Depost Rs.2,500/- per Locker Locker Breakng Charges Rs.5,000/- or actual per Locker, whcheer 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 NIL NIL 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 Local ATM Cash wthdrawal from any Soner Bank ATMs NIL 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, whcheer s hgher h. Local Purchase/Serces aaled at Pont of Sale Termnal (POS) NIL. Internatonal Purchase/Serces aaled at POS Rs.300/- per transacton OR 2.5% of transacton, whcheer s hgher j. Funds transfer through ATM wthn Soner Bank Branches Rs.50/- per transacton k. Inter Bank Funds Transfer through ATM Rs.125/- per transacton l. Balance enqury through ATMs ATMs located n Pakstan (SBL,1Lnk,MNET ATM) Rs. 5/- per nqury ATMs located outsde Pakstan PKR equalent to US$ 2/- m. Arbtraton Charges on dsputed transacton (local / Internatonal) PKR equalent of US$ 500/- per case n. Document Retreal Charges Local Rs.250/- per retreal o. Document Retreal Charges Internatonal PKR equalent of US$ 10/- per retreal Master Card STANDARD GOLD GOLD PREMIER WORLD Annual Fee Rs.800/- per year Rs.1,200/- per year Rs.1,800/- per year Rs.5,000/- per year Annual Fee Supplementary Card Rs.800/- per year Rs.1,200/- per year Rs.1,800/- per year Rs.5,000/- per year Card Replacement Fee Rs.650/- Rs.1,000/- Rs.1,600/- Rs.5,000/- Internatonal ATM Cash wthdrawal Rs.400/- per transacton OR 4% of each Cash wthdrawal, whcheer s hgher Internatonal POS Cash wthdrawal Rs.400/- per transacton OR 4% of each Cash wthdrawal, whcheer s hgher f. Internatonal Balance enqury At Acual g. Arbtraton Charges on dsputed transacton US$ 500/- per case h. Document Retreal Charges Rs.500/- per retreal (Local) and USD $ 10 (Internatonal). E-Commerce Sesson Actaton Rs. 100 per sesson j. Clp Mantenance Rs. 1,000 one tme per card or once eery fe year whcheer s applcable k. Card Upgradaton Rs. 500 one tme per request Phone Bankng Regstraton ncludng Balance nqury, ewng Statement of account, Moble top ups and Utlty Bll Payments NIL Funds Transfer wthn Soner Bank Branches Rs.50/- per transacton Inter Bank Funds Transfer to 1 Lnk Member Banks Rs.75/- per transacton Moble Bankng Regstraton ncludng Balance nqury, ewng Statement of account, Moble top ups and Utlty Bll Payments NIL Funds Transfer wthn Soner Bank Branches Rs.50/- per transacton Inter Bank Funds Transfer (IBFT) to 1 Lnk Member Banks Rs.75/- per transacton Internet Bankng Regstraton ncludng Balance nqury, ewng Statement of account, Moble top ups and Utlty Bll Payments NIL

8 Funds Transfer wthn Soner Bank Branches Rs.50/- per transacton Inter Bank Funds Transfer to 1 Lnk Member Banks Rs.75/- per transacton SMS Alert Charges Rs.60/- per month G INVESTMENT PORTFOLIO SECURITIES (IPS) ACCOUNT Inestment 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 alue or Rs.1,000/- per month, whcheer s hgher IPS Statements Quarterly s Free but on request Rs.100/- wll be charged H MISCELLANEOUS CHARGES Cheque Book Charges PKR Accounts Rs.8 per l per leaf FCY-USD Accounts USD 0.08 per leaf FCY-GBP Accounts GBP 0.06 per leaf FCY-EUR Accounts EUR 0.07 per leaf FCY-JPY Accounts YEN 8.72 per leaf Issuance of Cheque Book on Form 'B' PKR & all FCY Accounts Rs.300/- or equalent plus cheque book charges as per pont H- Stop Payment of Cheque PKR Accounts Rs.300 per nstructon FCY-USD Accounts FCY-GBP Accounts FCY-EUR Accounts FCY-JPY Accounts USD 2.87 per nstructons GBP 2.26 per nstructons EUR 2.67 per nstructons YEN 326 per nstructons Duplcate Statement of Account For 6 months PKR Accounts Rs.35 (nc (ncluse of FED) FCY-USD Accounts USD 0.33 (ncluse of FED) FCY-GBP Accounts GBP 0.23 (ncluse of FED) FCY-EUR Accounts EUR 0.30 (ncluse of FED) FCY-JPY Accounts YEN 35 (ncluse of FED) f. estatement of Account Free 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 Prodng 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 Adce older than 1 year Rs.60/- per adce Photocopy charges other than CNIC Rs.5/- per copy Cheque drawn on us and returned unpad for nsuffcent funds Rs or any amount less then Rs.625/- aalable n the account to be recoered from drawer's account n Clearng, Transfer Delery, Same Day Clearng, Intercty Clearng & Inward Collecton (IBC). Remnder Letter OR return cheque dspatch on a/c of outward retuned cheques Rs. 100/- x x Hold Mal Instructon Charges COMMUNICATION: Rs.1,000/- per annum (n adance, only for exstng hold mal customers) Postage charges - Inland Rs.75/- Courer charges - Inland Rs.100/- Cable Rs.75/- Telephone Charges Rs.100/- Fax charges Rs.12/- per page x Confrmaton of balance to audtors Rs.300/- per certfcate x x Any type of certfcate ssued at the request of customer excludng Zakat and wthholdng Tax Deducton certfcate Account Mantenance / Serce Charges for not mantanng requste balance as defned below for all products: Rs.250/- per certfcate * Soner Current Account Rs.5,000/- monthly aerage balance (Intal depost Rs.1,000/-) Rs.50/- per month ncluse of FED * Soner Ikhtar Current Account Rs.5,000/- monthly aerage balance (Intal depost Rs.1,000/-) Rs.50/- per month ncluse of FED

9 f. BBA Account (ntal depost Rs.1,000/-) No lmt on mnmum balanc (SBP BPD Crcular # 30 of 2005, dated Noember 29, 2005) ** PLS Sangs Account (ntal depost Rs.100/-) PLS Soner Sangs Account Rs.5,000/- monthly aerage balance (ntal depost Rs.1,000/-) FCY Current Account (ntal depost / monthly aerage balance USD100 / EUR100 / GBP100 / JPY5000) NIL NIL Rs.50/- per month ncluse of FED USD Account $0.46 GBP Account 0.30 EUR Account 0.38 JPY Account per month ncluse of FED per month ncluse of FED per month ncluse of FED per month ncluse of FED g. FCY Sangs Account (ntal depost / monthly aerage balance USD100 / EUR100 / GBP100 / JPY5000) NIL * No mnmum balance requred to aal free serces. ** Intal amount for openng of regular PLS Sangs account wll be Rs.100/-, howeer, no ntal depost would be requred for openng of account by () Mustahkeen of Zakat, () Students, () Employees of Goernment or Sem Goernment nsttutons for salary and penson purposes (ncludng wdows/chldren of deceased employees elgble for famly penson/beneolent fund grant, et) and smlar types of accounts. (SBP BPRD Crcular # 7 of 2011, dated May 27, x Any out of pocket expenses or any transacton not coered under ths SOC I STAFF SALARY ACCOUNTS Followng facltes are aalable FREE to Staffs of Soner Bank Cheque Books ssuance FREE VISA Debt Card - Annual Fee FREE Banker's cheques ssuance FREE Onlne Bankng Serce FREE SMS Alert Faclty FREE f. Locker Rent 50% wll be waed 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 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 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 B Collectons Collectons / Receable Management serces Post Dated Cheques (Processng & Warehousng) As per specfc arrangement/agreement wth the customer As per specfc arrangement/agreement wth the customer C Ddend Warrants Payout Ddend ssuance outsourcng Upto 0.5% of the olume or mnmum Rs.100/- per nstrument Fees / Charges / Prcng for Cash Management serces offered to customers wll be decded on a case-to-case bass, dependng on the oerall scope of serces, transacton olume, account balances n accordance wth mutual consent wth the customer. All such collecton accounts. 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 ley of these serce charges. Accounts mantaned by () Students, () Mustahqueen of Zakat; and () employees of Goernment/Sem-Goernment Insttutons for salary and penson purposes ncludng wdows/chldren of deceased employees elgble for famly penson/beneolent fund grant et shall be expempt from ley of serce charges. Also to be waed n case of cooperate socetes, beneolent funds, chartable & welfare organzatons. No charges are to be recoered from students depostng the amount of Fees drectly n fee collectng account of Educatonal Insttuton. Branches are adsed that FED s now applcable on all bankng serces, except for few serces. The FED shall be recoered as per the rates applcable n the respecte pronces. For exempted serces & pronce wse rates