SONERI BANK LIMITED I N T E R N A T I O N A L B A N K I N G A.

SONERI BANK LIMITED 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 a. OPENING OF LC Frst Quarter For Each Subsequent Quarter (Commsson) Upto Rs. 10 M 0.40% 0.20% over Rs. 10 M up to Rs. 100 M 0.30% 0.20% over Rs.100M up to Rs.200M 0.15% 0.10% Above Rs.200M 0.10% 0.10% Note : The above commsson s subject to adjustment after obtanng approval of competent authorty based on annual volumes / values & arrangements wth customer. Rs.2,000/- Mn. b. Revaldaton Commsson of Expred LC As applcable for openng of fresh LC as per - a above. c. Transfer to new benefcary As applcable for openng of fresh LC as per - a above. d. Commsson on Establshment of LC /Contract aganst 100% Margn 0.30% flat for LC 0.15% flat for Contract Frst Quarter For Each Subsequent Quarter a. Non-Rembursable LCs under Barter/AID/Loans. 1% per qtr. or part thereof 0.3% per qtr. or part thereof Rs.1,500/- Mn b. LCs under Supplers/Buyers Credt, PAYES (Pay as You Earn Scheme) and Deferred Payment LCs for perod over one year. Commsson @ 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 for the perod from the date of openng of LC tll the expry of LC, thereafter commsson s to be recovered on sx monthly bass on reducng lablty). All such LCs wll be opened subject to approval. 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 AMENDMENTS Rs.1500/- per transacton (flat) OR Commsson under tems () or () above, f amendment nvolves v SIGHT LCs: a. Markup on Import Blls under LC Overdue markup from PAD lodgment/negotaton date to date of payment. b. In case documents are retred after 15 days, Bank's commsson to be charged n addton to PAD overdue markup. ncrease n amount or extenson n perod of shpment. 20% p.a. plus other charges as per SOC Pasas 25 per Rs.100/- c. Overdue Markup n case DA/Usance Blls are not pad by mporters 20 % flat overdue mark-up flat (from the date of maturty tll adjustment date) s to be recovered on bll on due date value or prcng as per credt approval wll be appled. v LC cancellaton charges Rs.1,500 plus SWIFT charges Note: - No Markup to be charged from the date of negotaton to the date of lodgement f 100% nterest/return free cash margn s provded. - 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 adjustment 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 a. Documentary Collectons Rs.1,250/-flat for all mport blls under contract, collecton, consgnment, advance payment & n case charges are on Exporter /Presenter account US$15/ flat. Page 1 of 14

b. Regstraton of Import Contract 0.20%, Mnmum Rs.1,250 c. Import Contract Amendment Rs.750 on each subsequent amendment n regstraton If ncrease n amount and / or perod s nvolved Commson as per Regstraton of mport contract on Increased amount only. Note : The above commsson s subject to adjustment after obtanng approval of competent authorty based on annual volumes / values & arrangements wth customer. x Servce Charges aganst mport transactons.e. Import Blls (PAD) / Pasas 13 per Rs.100/- OR Rs.1/30 per mlle - Mnmum Rs.1,000/- PLUS actual swft charges n all cases Collectons (IB) / Contract /Advance Payments and Consgnment payment Remttance aganst mport wth or wthout LC / Advance payment. x Rembursement charges (payable to rembursng Banks) At actuals x Obtanng credt reports from foregn suppler / vendor Obtanng from foregn banks through swft a)on foregn supplers - Actual Charges of Credt Ratng Company mnmum Rs.500 plus Foregn Bank / Agent Charges (f any). b)to Foregn Banks on ther request - US$ 100 from Foregn Banks c)to Foregn Banks on customer's request - Rs. 625 x Dscrepancy fee, f dscrepant documents are presented US$100 or equvalent n PKR x Handlng Charges n leu of exchange earnngs where mporter buys 0.13% - Mnmum Rs.625/- Foregn Exchange from some other bank for LC opened / contract regstered wth us. B. EXPORTS: LETTERS OF CREDIT a. Advsng Rs. 1,200 for customers Rs. 2,000 for non-customer plus courer charges b. Amendment Advsng Rs. 1,000 for customers Rs. 1,300 for non-customer Plus courer charges c. Confrmaton 0.40% per quarter - Mnmum Rs.1,000/- d. Transfer of Export LCs Rs.1,000/- Flat plus Swft &/or Postage Charges Rs.15,000/- Flat - If wth substtuton of documents plus swft &/or Postage Charges e Rembursement payment to / from other local banks from Non Rs.500/- Flat Resdent Rupee Accounts If the documents are sent to other banks for negotaton under restrcted LCs Rs.1,000/- Flat Handlng charges plus 0.13% servce charges Negotaton/Purchase of Export Blls under Sght or Usance LC or DP If proceeds not realzed wthn perod of the deal fxed prcng @ 18% or prcng as per credt approval Collecton wll be appled. In case FDBC converted nto FBP/FBD/IBP, no handlng charges should be recovered. v Export Refnance Applcaton - Handlng Charges Rs.600 per applcaton ERF substtuton Rs.500 per case v EE Certfcaton Rs. 1000 per case v EE NOC Issued To Other Banks Under ERF Scheme Rs. 1250 per case v Handlng & Servce Charges For Overdue Export Blls Reportng Rs. 1000 per bll for all overdue blls v Assgnment Of Proceeds To Other Banks Rs 1000 x Busness Performance Certfcate Rs 500 x Submsson Of Shppng Documents By Exporter Aganst Advance Payments Beyond 90 Days From Shpment Date Rs 500 per shppng document Page 2 of 14

x LTFF (Long Term Fnance Faclty under SBP Scheme) - Handlng Rs.1,750 per case Charges x COLLECTIONS: a. Clean / Cheques (Export) Rs.250 plus payng bank charges. Plus courer and Swft charges b. Handlng of Export doucments. Collecton (Sent on Collecton under LC & Contract bass): 0.13% of bll amount, Mn Rs. 2000 Plus Swft charges f any. Advance Payment : 0.13% of bll amount, Mn Rs.1000 c. Foregn Blls for Collecton (Clean/Documentary) returned unpad. Rs.500/- plus courer charges &/or Swft Charges, f any. x Handlng of Duty Draw Back Clams 0.35% - Mnmum Rs.500/- per clam xv Handlng of Research & Development Support clams - SBP 0.4% - Mnmum Rs.500/- per clam xv Collecton of Expot Development Surcharge Rs.80/- per transacton to be charged to exporters xv Overdue FAFB/FAPC Overdue Export Refnance. Overdue FAFB: DP documents 45 days from the date of dsbursement and other Usance DA documents three days after 19%p.a. from the date of overdue / Maturty to date of payment (or Pasas 52 per Rs.1,000/- per day) xv xv xx maturty. FE-25 Loans e. Overdue FLATR n Imports and FBD, Pre or Post Shpment n Exports If payment of Exports / Advance payment to Afghanstan & Central Asa Republcs s deposted n FCY notes n FC Accounts/ Encashment n PKR Letter or ntmaton of any sort sent to other bank Note: NOC to other banks for E Forms verfed by us s no longer requred 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 exceptons approval from competent authorty s requred. 0.15% for Karach, mn 500 per transacton 0.25% for other ctes, mn 500 per transacton Rs.500/- per case xx Handlng of Transacton of ndrect exporters (SPO) Rs.500 per case xx Submsson of Applcaton for freght subsdy Rs.500/- per case xx Issuance of Proceeds Realzaton Certfcates (Annex: A) for rebate Rs.500 per certfcate clams xx Obtanng SBP Approval for FX Transactons Rs 1000 C. REMITTANCES: (FOREIGN CURRENCY) OUTWARD: a. FDD/FTT (for remttances abroad through FC A/c) FDD - US$ 12 FTT - US$ 30 b. FDD Cancellaton Charges US$ 7 or equvalent plus Swft Charges c. FDD Stop Payment USD 5 or equvalent plus SWIFT charges. Foregn bank charges may also apply (as per actual). d. Duplcate FDD ssuance charges US$ 10 or equvalent plus Swft Charges e Servce charges aganst ssuance of FTT/FDD aganst Pak Rupees Pasas 13 per Rs.100/- or Rs.1/30 per mlle. f. Remttances/Encashment from FC A/c wthn 10 days of depost of 0.25% Flat - Mnmum Rs.200/- FCY Notes. g. Depost of EUR, GBP & UAE Notes n FC Accounts of Exchange 0.5% at upcountry branches AND 0.25% at Karach branches - Mnmum Rs.500/- Companes INWARD: a. Others NIL f proceeds credted to an account wth us otherwse charges of Rs. 200 Page 3 of 14

b. Indentng Commsson Servce Charges @ Pasas 13 per Rs.100/- Mnmum Rs.200/- c. Return of Inward Remttance US$ 10/- or equvalent D. COLLECTION: (FOREIGN CURRENCY) OUTWARD: a. Cheques / Bank Drafts / TCs etc. US$25 or equvalent per nstrument plus courer charges, n case of TCs. US$25 per collecton PLUS courer charges; and n case amount s credted n PKR A/C then servce charges @ Pasas 13 per Rs.100 - Mnmum Rs.500 b. Cheques returned unpad Actual charges of returnng bank plus US$ 10 or equvalent Plus swft charges, f any. c. USD Clearng through NIFT US$ 6/- per transacton for Karach Branches & US$ 6/- plus courer chg for other branches. INWARD: a. Inward clean collectons receved from abroad or local banks US$ 10 per nstrument Plus swft charges. b. Inward FCY cheque returned unpad due to nsuffcent balance US$ 10 per nstrument plus courer and swft charges, f any. Correspondence charges wll be extra f any. E. FOREIGN BILLS PURCHASED Purchase of clean FCY Instruments lke Cheques, Bank Drafts, TCs, etc. Rs.470/- Handlng charges --- OD buyng rates to be appled. If proceeds are not realzed wthn 12 days then pasas 50 per Rs.1,000/- per day to be charged. F. STANDING INSTRUCTION IN FCY ACCOUNTS Standng nstructons Fee US$ 1/- per transacton or equvalent G. MISCELLANEOUS Correspondent's Charges At Actual For verfcaton of test or authentcty of Swft message on behalf of Rs.350 plus Swft charges &/or postage other Banks Duplcate Advces, Annexures, PRC, etc. Rs.150 per tem v Postage / Courer / Swft Charges / Fax : a. Postage Overseas Rs.250/- b. Courer Overseas Rs.1,800/- or actual, whchever s hgher c. SWIFT - Short messages Rs.750/- d. SWIFT - Full Text LCs etc. Rs.1,500/- e. Fax - Overseas Rs.250/- v Issuance of Proceeds Certfcate of Remttance dated beyond one Rs.500 per certfcate year v Any other out of pocket expenses on any transacton not covered under ths SOC At Actuals A D V A N C E S A FOLLOWING CHARGES WILL BE RECOVERED IN ADDITION TO MARKUP/RETURN ON INVESTMENT: Mscellaneous charges.e. Charges of documentaton, Evaluaton of Actual Securty, Search, Mortgage charge regstraton and mantenance thereof, etc. n addton to that: Project Examnaton Fee 1%, where applcable Commtment Fee on undsbursed balance (from the date of 0.50%, where applcable sancton to the date of dsbursement, only on fund based commtments) a. Legal Charges. In-house Legal Advce (Pre-mortgage) Mn Rs.6,000/- Max Rs.12,000/- Page 4 of 14

. In-house Legal Advce (Post-mortgage) Mn Rs.3,500/- Max Rs. 6,000/-. Outsde Legal Advce Actual b. To mark len on securtes ssued by other Banks/DFIs Rs.500/- c. Legal Documentaton Cost Actual plus any out of pocket expenses d. Redempton fee to be recovered from party when bank offcers are Rs.2,500/- Flat requred to go before Regstrar for redempton of the mortgage e. ecib report charges Rs.125/- per report f. For ssuance of any NOC for par-passu charge/ JPP charge or Rs.7,500/- Flat reducton/ amendment n the charge amount/ descrpton. g. Credt Worthness Report/BIR fee from outsource evaluator Actual h. Project evaluaton / Apprasal fee from outsource evaluator Actual. Vacaton of charge Fee/ Release of Securty Rs.1,500/- per property/securty j. Late Payment Charges Late payment charges at 2.00% p.a on the outstandng exposure, to be calculated on number of days payment delayed/condton uncompled. ) On delayed payment of prncple/markup on due date after grace perod ) On delayed annual cleanup ) Late payment of nstallments B COMMERCIAL/RETAIL/SME FINANCE: (NEW/RENEWAL/ENHANCEMENT) a. Processng Fee for Facltes up to Rs.1m Processng Fee for Over Rs.1m up to Rs.10m Processng Fee for Over Rs.10m up to Rs.25m Processng Fee for Over Rs.25m Rs.3,000/- Flat Rs.5,000/- Flat 0.05% Mnmum Rs. 7,500 0.02% Mnmum Rs. 12,500 b. Processng Fee for all One off facltes - Under schedule of BDP Rs.3,750/- Flat (Busness Dscretonary Power) c. Processng Fee for Interm Extenson/ Revew Rs.2,000/- Flat d. Late Payment Charges Late payment charges at 2.00% p.a on the outstandng exposure, to be calculated on number of days payment delayed/condton uncompled. ) On delayed payment of prncple/markup on due date after grace perod ) On delayed annual cleanup ) Late payment of nstallments C PLEDGE / HYPOTHECATION FINANCING Varous charges may be leved as follows: a. Movement out of shares pledged Rs.500/- per transacton b. Go-down Rent Actual c. Salares of Godown keepers / Chowkdars Actual d. Stock nspecton, f conducted by Bank staff Exposure upto Rs. 10(M): Rs.1,000 or Actual - Whchever s Hgher Exposure Over Rs. 10(M): Rs.2,500 or Actual - Whchever s Hgher e. Stock nspecton, f conducted by agents apponted by Bank Actual 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 Actual plus conveyance charges h. Other ncdental expenses, nsurance premum, legal charges, etc. Actual. FIM Commsson 1% Flat, Mn. Rs.500/-, n case of un-servceable shps for scrappng no commsson to be charged Page 5 of 14

j. Penal charges on overdue FIM / FTR Pasas 25 per Rs.1,000/- per day for the overdue perod n addton to normal markup, only where markup @ SMR s not applcable k. Clearng & Forwardng Agent Fee for clearng/off-loadng mported Actual goods from Carrer. l. Late Payment Charges Late payment charges at 2.00% p.a on the outstandng exposure, to be calculated on number of days payment delayed/condton uncompled. ) On delayed payment of prncple/markup on due date after grace perod ) On delayed annual cleanup ) Late payment of nstallments Note: Whle recoverng Mscelaneous charges lke godown rent, godown staff salary, nspecton charges etc. the amount recovered from the borrower shall not exceed total rent of the godown, salary of the godown staff etc. In other words, charges should be leved as per actuals and should not become source of proft to the Bank. D a. AGRICULTURE FINANCE: Processng Fee 0.75 % of the Fnance amount or mnmum Rs. 2,500/- whchever s hgher at the tme of Fresh Dsbursement/Renewal/Enhancement. b. Late Payment Charges Late payment charges at 2.00% p.a on the outstandng exposure, to be calculated on number of days payment delayed/condton uncompled. ) On delayed payment of prncple/markup on due date after grace perod ) On delayed annual cleanup ) Late payment of nstallments E CONSUMER FINANCE: Soner Car Fnance a. Charges of documentaton, Valuaton of used/recondtoned Actual vehcle, Vehcle Regstraton & Comprehensve nsurance Polcy Prema b. Processng Fee Rs.6,500/- Flat upto 1.0 M Fnance. Rs.7,000/- Flat from 1.1 M to 1.5 M Fnance. Rs.7,500/- above 1.5 M Fnance. c. Prepayment Charges 5% of outstandng amount beng prepad Wthn 1-3 Yr Wthn 4-5 Yr Wthn6-7 Yr d. Late Payment Charges Rs.950/- per nstallment per month e. Vehcle Repossesson charges Actual ncurred by the Bank, upto a maxmum of Rs.50,000/- Soner Personal Fnance a. Mscellaneous Charges for Documents Actual b. Processng Fee Rs.2,500/- c. Prepayment Charges 5% of outstandng amount beng prepad d. Late Payment Charges Rs.500/- per nstallment per month Soner Ghar Fnance a. Charges of documentaton, Evaluaton of Securty, Search, Actual Mortgage charge regstraton and mantenance thereof, etc. b. Processng Fee 0.50% of fnance amount - Mnmum Rs.2,500/- c. Mortgage Protecton Insurance Prema Actual d. Prepayment / Balloon Payment Charges 2% of outstandng amount beng prepad e. Late Payment Charges Rs.500/- per nstallment per month F COMMERCIAL FINANCING OF CARS/VEHICLES Page 6 of 14

Charges of documentaton, Vehcle Regstraton & Comprehensve Actual nsurance Polcy Prema Processng Fee 0.60% of fnance amount-mnmum Rs.3,000/- Late payment charges Rs. 925/- per nstallment G GUARANTEES Guarantees ssued to Shppng Companes / Arlnes n leu of Blls Rs.1,500/- Flat of Ladng / Endorsement of Arway Blls Vettng of Bank Guarantees - In-house Rs.1,000/- (per Guarantee) Guarantees ssued to Collector of Custom n leu of payment of 0.50% per quarter or part thereof - Mnmum Rs.1,000/- Export Duty whch are vald up to 6 months v Guarantees ssued n Pakstan aganst the counter guarantees of As per arrangement Foregn Banks v Other Guarantees 0.40% per quarter or as per arrangement v Guarantees outsde Pakstan 0.50% per quarter or part thereof, Mn. Rs.1,000/- plus charges of correspondents v Parkng Guarantees (f ssued at Bank's own nstance) NIL v Consortum Guarantees As per agreement vx Guarantees ssued n Pakstan aganst 100% Cash Margn on whch no return / proft s pad. NIL Note: a. All Guarantee ssued by banks must contan specfc amount and expry date and a date by whch the clams are to be lodged. Commsson would be charged for the perod nclusve of the clam perod. b. For ssuance of Guarantee on the counter guarantee of foregn correspondents / banks, varyng rates can be offered based on volume of busness receved. c. Guarantee commsson wll contnue to be charged for expred guarantees untl orgnal guarantee s returned / released. d. 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 perod. e. For letters of Guarantee wth valdty of more than 1 year t should be endeavored 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. D O M E S T I C B A N K I N G A INLAND TRADE INLAND LETTERS OF CREDIT a. 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 b. Amendments Rs.1,000/- (Flat) OR Commsson as per (a) above, f amendment nvolves ncrease n amount or extenson n valdty. c. 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 prescrbed above. The same would apply to amendment to LCs opened through other banks. d. Advsng Rs.1,500/- (Flat) e. Amendment Advsng Rs.1,000/- (Flat) f. Dscrepancy Fee Rs.1,500/- per document Note: 1. The above commssons at (a), (b) & (c) 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 plus LC openng commsson, the LC commsson so receved should be credted to opener's Account. Page 7 of 14

Authortes to encash cheques 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 charges B BILLS Collecton a. Documentary - through our own branches 0.35% OR Mnmum Rs.200/- plus postage/courer charges - through branches of other banks under arrangements where 0.50% OR Mnmum Rs.200/- plus postage/courer charges commsson s shared. These charges wll also apply n case a collecton s sent to the drawee branch of another bank b. 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 c. Returnng Charges for Documentary & Clean Collectons n case the Rs. 150 per bll / nstrument plus postage / courer charges nstruments are returned unpad Purchase of Blls, Cheques etc. a. Documentary Blls other than those drawn aganst LC and Clean Blls / Trade Cheques Same charges as for collecton as ndcated at () a. and b. above plus Markup from date of purchase to date of payment plus postage/courer charges from drawer or drawee as per arrangements between them. b. Other cheques / demand nstruments (lke dvdend warrants etc.) 0.40% Mnmum Rs.25/- plus postage / courer charges c. Collecton Agent's charges, f the collectng bank s other than the Actual bank, wll be extra d. Telegram/long Dstance call charges wll be extra, f fate of the Actual nstrument s asked by bank. e. Markup shall be appled as under on Blls purchased: 1. If retred up to 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 a. Negotaton Commsson 0.39% - Mn. Rs.500/- (f not realzed wthn 12 days then pasas 50 per Rs.1,000/- per day to be charged for any delay beyond 12 days). b. 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: a) Markup on Import Bll under LC Overdue markup from PAD lodgment / negotaton date to date of payment. b) In case documents are retred after 15 days, bank's commsson to be charged n addton to PAD overdue markup. 20% p.a plus other charges as per SOC. pasas 25 per Rs.100/- Servce Charges on retrement of mport blls under Inland LC (Usance & SIGHT) 2 Usance Blls: 0.13% - Mnmum Rs.500 Page 8 of 14

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 a. If bll matures after expry of LC 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 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 recovered. b. f bll remans unpad after due date 20% flat overdue Markup from due date tll date of payment Note: All other charges as per notes a. to c. and e. above, where applcable, shall also be applcable. C REMITTANCES a. DDs payable on branches of other banks under arrangements, where commsson s shared. 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 charged. b. DD Cancellaton Rs.100/- (Flat) c. Issuance of Duplcate DD Rs.150/- (Flat) BANKER'S CHEQUE a. Issuance of Banker's Cheque Rs.210/- (Flat) b. Issuance of Banker's Cheque for the payment of fees/dues n favor 0.50% of fees/dues or Rs.25 per nstrument whchever s less. of Educatonal Insttutons, HEC/Board etc. c. Cancellaton of Banker's Cheque Rs.300/- (Flat) d. Issuance of Duplcate Banker's Cheque Rs.250/- (Flat) e Walk n Customer Rs.425/- (Flat) Issuance of SBP and NBP cheque on specfc request of customer 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 Note: 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). v ONLINE BANKING Intercty Cash Depost/wthdrawal Up to Rs.500,000/- Rs.125/- per transacton NIL for Twn ctes only Over Rs.500,000/- RS.250/- per transacton Note: Onlne Bankng Servce s free to Soner Ikhtar Account & Current Depost Account v Same day Clearng through NIFT (Outward) Rs.325/- per nstrument v Intercty outward clearng through NIFT Rs.200/- per transacton D a. STANDING INSTRUCTIONS FEE: Standng nstructons fee wll be recovered n addton to the usual charges on remttances, f any Rs. 200 per executon Page 9 of 14

b. If funds are transferred n same branch from one A/c to another. Rs.50/- per transfer. Ths wll however, not apply n followng cases: 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. E 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/-. Note: 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, etc. ncurred wll be recovered n addton to the commsson / brokerage charges. WITHDRAWAL FEE on shares and securtes held n safe custody (to 0.25% up to Rs.10,000/- of the pad-up of face value, Mnmum Rs.50/- & 0.125% on amount exceedng be recovered at the tme of wthdrawal) Rs.10,000/- - Mnmum Rs.100/- WITHDRAWAL FEE on Government Securtes (where shares and/or Rs.10/- per scrp 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. v Charges for collecton of nterest / return / dvdend 0.30% on the amount of nterest / return / dvdend collected/pad. Mnmum Rs.20/- v HANDLING CHARGES for converson, renewal, consoldaton or Rs.10/- per scrp subdvson of Government Securtes v a. Sale of Government Securtes lke SSC/DSC etc. at a branch other Transport/Handlng Charges of Rs.200 per sale per customer than an Authorzed Branch b. Encashment of Proft Coupons / Govt. Securtes lke SSC/DSC by a Transport/Handlng Charges of Rs.100 per encashment per customer branch other than Authorzed Branch v SAFE DEPOSIT LOCKERS a. Fee to be recovered n advance at the commencement of perod RENT No Rent aganst followng Key Depost. Small Lockers Rs.2,500/- p.a. Rs.30,000/-. Medum Lockers Rs.3,750/- p.a. Rs.45,000/-. Large Lockers Rs.6,250/- p.a. Rs.60,000/- b. Key Depost Rs.2,500/- per Locker c. Locker Breakng Charges Rs.5,000/- or actual per Locker, whchever s hgher d. Penalty on account of delay n annual locker fee payment 10% per month of the locker rent due F ALTERNATE DELIVERY CHANNELS VISA Debt Cards CLASSIC CARD GOLD CARD a Annual Fee Rs.500/- per card Rs.750/- per card b. Annual Fee Supplementary Card Rs.500/- per card Rs.750/- per card c. Local ATM Cash wthdrawal from any Soner Bank ATMs NIL d. Local ATM Cash wthdrawal from member Bank of 1 Lnk / M-net Rs.15/- per transacton Page 10 of 14

e. Internatonal ATM Cash wthdrawal from ATMs wth PLUS logo Rs.400/- per transacton OR 3% of each Cash wthdrawal, whchever s hgher f. Local Purchase/Servces avaled at Pont of Sale Termnal (POS) NIL g. Internatonal Purchase/Servces avaled at POS Rs.400/- per transacton OR 2.5% of transacton, whchever s hgher h. Funds transfer through ATM wthn Soner Bank Branches Free. Inter Bank Funds Transfer through ATM Rs.125/- per transacton j. Balance enqury through ATMs. ATMs located n Pakstan (SBL,1Lnk,MNET ATM) Nl (MNET Rs. 5/- nqury).atms located outsde Pakstan PKR equvalent to US$ 2/- k. Arbtraton Charges on dsputed transacton (local / Internatonal) PKR equvalent of US$ 500/- per case l. Document Retreval Charges Local Rs.500/- per retreval m Document Retreval Charges Internatonal PKR equvalent of US$ 10/- per retreval Soner Debt Master Card STANDARD GOLD GOLD PREMIER WORLD a. Annual Fee Rs.800/- per year Rs.1,200/- per year Rs.1,800/- per year Rs.6,000/- per year b. Annual Fee Supplementary Card Rs.800/- per year Rs.1,200/- per year Rs.1,800/- per year Rs.5,000/- per year c. Card Replacement Fee Rs.650/- per year Rs.1,000/- per year Rs.1,600/- per year Rs.5,000/- per year d. Local ATM Cash wthdrawal from any Soner Bank ATMs NIL e. Local ATM Cash wthdrawal from member Bank of 1 Lnk / M-net Rs.15/- per transacton f. Internatonal ATM Cash wthdrawal from ATMs wth Crrus logo Rs.400/- per transacton OR 4% of each Cash wthdrawal, whchever s hgher g. Local Purchase/Servces avaled at Pont of Sale Termnal (POS) NIL h. Internatonal Purchase/Servces avaled at POS Rs.400/- per transacton OR 4% of transacton, whchever s hgher. Funds transfer through ATM wthn Soner Bank Branches Free j. Inter Bank Funds Transfer through ATM Rs.125/- per transacton k. Balance enqury through ATMs. ATMs located n Pakstan (SBL,1Lnk,MNET ATM) Nl (MNET Rs. 5/- nqury). ATMs located outsde Pakstan PKR equvalent to US$ 2/- l. Arbtraton Charges on dsputed transacton (local / Internatonal) PKR equvalent of US$ 500/- per case m Document Retreval Charges Rs.500/- per retreval (Local) and USD $ 10 (Internatonal) n. E-Commerce Sesson Actvaton Rs. 100 per sesson o. Chp Mantenance Rs. 1,000 one tme per card or once every fve year whchever s applcable p. Card Upgradaton Rs. 500 one tme per request Phone Bankng a. Regstraton ncludng Balance nqury, vewng Statement of NIL account, Moble top ups and Utlty Bll Payments b. Funds Transfer wthn Soner Bank Branches Rs.50/- per transacton c. Inter Bank Funds Transfer to 1 Lnk Member Banks Rs.75/- per transacton v Moble Bankng Page 11 of 14

a. Regstraton ncludng Balance nqury, vewng Statement of NIL account, Moble top ups and Utlty Bll Payments b. Funds Transfer wthn Soner Bank Branches Rs.50/- per transacton c. Inter Bank Funds Transfer (IBFT) to 1 Lnk Member Banks Rs.75/- per transacton v Internet Bankng a. Regstraton ncludng Balance nqury, vewng Statement of NIL account, Moble top ups and Utlty Bll Payments b. Funds Transfer wthn Soner Bank Branches Rs.50/- per transacton c. Inter Bank Funds Transfer to 1 Lnk Member Banks Rs.75/- per transacton v SMS Alert Charges Rs.90/- per month G INVESTMENT PORTFOLIO SECURITIES (IPS) ACCOUNT Investment Portfolo Securtes transactons (T- Rs.500/- per transacton (Sale or Purchase or Transfer) Blls/PIB/IJARA/SUKUK) 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 H MISCELLANEOUS CHARGES Cheque Book Charges a. PKR Accounts Rs.10 per leaf or equvalent n other currences Issuance of Cheque Book on Form 'B' a. PKR & all FCY Accounts Rs.300/- or equvalent n other currences plus cheque book charges as per pont H- Stop Payment of Cheque a. PKR Accounts Rs.375 per nstructon or equvalent n other currences v Duplcate Statement of Account For 6 months a. PKR Accounts Rs.35 (nclusve of FED) or equvalent n other currences b estatement of Account Free v Basc Bankng Account Per month maxmum two depost transactons and two checkng Rs.25/- wll be charged on each addtonal transacton durng the month transactons are allowed v Provdng copy of Cheques: a. Photocopy of Cheque, posted wthn 3 months Rs.60/- per cheque b. Photocopy of Cheques, posted before 3 months Rs.400/- per cheque c. Duplcate Advce older than 1 year Rs.60/- per advce d. Photocopy charges other than CNIC Rs.5/- per copy v Cheque drawn on us and returned unpad for nsuffcent funds Rs. 625- 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). v Remnder Letter OR return cheque dspatch on a/c of outward Rs. 100/- retuned cheques x Hold Mal Instructon Charges Rs.1,000/- per annum (n advance, only for exstng hold mal customers) x Communcaton a. Postage charges - Inland Rs.75/- b. Courer charges - Inland Rs.125/- c. Cable Rs.75/- d. Telephone Charges Rs.100/- e. Fax charges Rs.20/- per page x Confrmaton of balance to audtors Rs.300/- per certfcate Page 12 of 14

x Any type of certfcate ssued at the request of customer excludng Rs.300/- per certfcate Zakat and wthholdng Tax Deducton certfcate x Account Mantenance / Servce Charges for not mantanng requste balance as defned below for all products: a. * Soner Current Account Rs.5,000/- monthly average balance (Intal depost Rs.1,000/-) Rs.50/- per month nclusve of FED b. * Soner Ikhtar Account Rs.5,000/- monthly average balance (Intal Rs.50/- per month nclusve of FED depost Rs.1,000/-) c. BBA Account (ntal depost Rs.1,000/-) No lmt on mnmum balance. (SBP BPD Crcular # 30 of 2005, dated November 29, 2005) NIL d. ** PLS Savngs Account (ntal depost Rs.100/-) NIL e. Soner Savngs Account Rs.5,000/- monthly average balance (ntal Rs.50/- per month nclusve of FED depost Rs.1,000/-) f. Soner Sahara Account - Requrement of Intal depost and Nl mnmum balance g. Soner Asaan Account - Current / Savng (ntal depost Rs.100/-) NIL h. FCY Current Account (ntal depost / monthly average balance USD100 / EUR100 / GBP100 / JPY5000) a. USD Account $ 0.46 per month nclusve of FED b. GBP Account 0.3 per month nclusve of FED c. EUR Account 0.38 per month nclusve of FED d. JPY Account 55 per month nclusve of FED. FCY Savngs Account (ntal depost / monthly average balance USD100 / EUR100 / GBP100 / JPY5000) NIL * 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, etc.) and smlar types of accounts. (SBP BPRD Crcular # 7 of 2011, dated May 27, 2011. xv Any out of pocket expenses or any transacton not covered under Actual ths SOC I STAFF SALARY ACCOUNTS Followng facltes are avalable FREE to Staffs of Soner Bank a. Cheque Books ssuance FREE b. VISA Debt Card - Annual Fee FREE c. Soner Debt Master Card - Annual Fee FREE d. Soner Debt Mastercard - Chp Mantenance Fee FREE e. Banker's cheque ssuance FREE f Onlne Bankng Servce FREE g. SMS Alert Faclty FREE h Locker Rent 50% wll be waved 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 S @ C T A Payment and Reportng As per arrangement/agreement wth the customer Page 13 of 14

B Collectons / Recevable Management Servces As per arrangement/agreement wth the customer C Banker to the Issue As per specfc arrangement/agreement C Dvdend Warrants Payout As per specfc arrangement/agreement wth the customer D Standng Instructons As per specfc arrangement/agreement wth the customer Note: 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. Any addtonal servce not mentoned above wll be decded n accordance wth the mutual consent of the customer. Note: a. 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 exempted from levy of these servce charges. b. Accounts mantaned by () Students, () Mustahqeem 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 etc. shall be exempted from levy of servce charges. Also to be waved n case of cooperatve socetes, benevolent funds, chartable & welfare organzatons. c. No charges are to be recovered from students depostng the amount of Fees drectly n fee collectng account of Educatonal Insttuton. d. 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 14 of 14