SCHEDULE OF BANK CHARGES

July-December 2017

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) Table of Contents 1. 2. 3. 4. INLAND REMITTANCES COLLECTION AND OTHER SERVICES ALTERNATE DELIVERY CHANNEL SERVICES A. ATMs/DEBIT/VISA DEBIT CARDʼs B. PREPAID CARDS C. MASTERCARD D. INTERNET/MOBILE BANKING E. 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 5. 6. 7. 8. 9. 10. 11. 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. Courier Charges (for all destinations) B. Registered Post C. SWIFT Charges D. RTGS Charges E. Facsimile Charges F. Telephone For BIPL Staff NOTES Serving you, the Right way

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) 1. INLAND REMITTANCES 1 A. B. 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. 100,000 499,999/- 500,000 and above Issuance of DD / TT C. Drafts, MTs and TTs against cash D. DD / PO Cancellation E. Duplicate Demand Draft F. Duplicate Pay Order G. Collection of Fees of Educational Institutions H. Issuance of Pay Order of Educational Institutions I. Issuance of Demand Draft or any other instrument of educational institutions, HEC / Board 2. COLLECTION AND OTHER SERVICES A. b) Foreign Clean Cheque Return Charges B. Local Bills for Collection clean / cheques (LBC) inclusive of courier charges C. Clean item sent on collection return unpaid. (Local) D. Issuance of SBP / NBP Cheques E. Cheque Return Administrative Charges F. G. H. I. J. K. L. M. N. Foreign Bills for Collection Clean Cheque / DD (FBC) a) Collection Charges (Clean Cheques) Special clearing charges through NIFT (Inclusive of cheque returned charges if any). Providing duplicate Debit / Credit advices, additional copies of L/Cs SWIFT messages, etc. Duplicate Statement of Account Issuance of loose cheques. (subject to clearance by the Branch Manager) Balance confirmation to Auditors Service charges on subscription of successful application (bankers to issue) Account Closing charges Tax Certificate Issuance Charges Any other type of certificate issuance regarding business dealing with the bank. Rs. 75/- Rs. 75/- ( if average monthly balance of Rs.25,000/- is maintained. Otherwise customer will be charged @ 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 0.3% of the instrument, Minimum Rs.400/-, Maximum Rs.1,500/- + Courier Charges + Actual Foreign Correspondent Charges (if any). Actual Rs. 200/- (Flat) Actual correspondent charges Rs. 500/- (Flat) Inward Clearing / Cash Cheque: Rs. 200/- (Flat); Outward Clearing: FREE Rs. 300/- per cheque / instrument Rs. 50/- per item Rs. 35/- Rs. 500/- per cheque Rs. 300/- (Flat) Up to 0.50% of the volume routed through BankIslami; Minimum Rs. 15,000/- Nil Rs. 200/- per instant

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) O. P. Q. R. S. T. U. V. W. X. Y. Z. AA. AB. Hold mail charges Registration / permits of student cases Issuance of Cheque Books Islami current Account Islami Sahulat Account Islami Bachat Account Handling charges for foreign currencies cash receipts Local U. S. Dollar Clearing Standing Instructions Fee Inter city clearing via NIFT Credit Report Charges / CIB Online charges E-Statements Utility Bill Payment Stop Payment Charges Old record information charges (subject to prior approval of the concerned BM) Change Address On line Transactions a) Cash Deposit b) Cash withdrawal Rs. 1,000/- p.a. - recoverable semi-annually or part thereof Rs. 2,000/- p.a. Rs. 10.00 per leaf ( if average monthly balance of Rs.25,000/- is maintained. Otherwise customer will be charged Rs. 10.00 per leaf Rs. 10.00 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 AC. Investor Portfolio Securities (IPS) Account (i) Holding Charges Per Annum "0.25% of investment amount + CDC charges (to be recovered on monthly basis) at actual Min Rs.2,499/-, Max Rs. 4,999/-." (ii) Account Statement Rs. 100/- (Flat) (iii) Transaction Charges Sale/Purchase Rs. 350 Per Transaction. (iv) Security Movement Rs. 350 Per Transaction + CDC charges at actual AD. Script Equity Trading (i) Account Opening Charges (a) Individual Rs. 2,000/- per annum (b) Corporate Rs. 3,000/- per annum (ii) Facilitation Charges (Share/Security Rate) Up to Rs.199.99 0.10% (Min. 0.01 and Max. 0.15) from Rs.200 to 399.99 0.075% (Min. 0.15 and Max. 0.30) from Rs.400 & above 0.050% (Min. 0.30 and Max. 0.50) (iii) Custodial Charges (per annum) a) For Shares (Only Shariah Compliant) 0.10% b) For TFCs (Only Shariah Compliant) 0.10% c) For Rights (Only Shariah Compliant) 0.10% (iv) Shares Transfer Charges (Per Share) 0.01% (Min. Rs.7 and Max. Rs. 60,000) (v) Shares Pledge Charges (Per Share) 0.004% (vi) NCCPL Charges (Per Share) 0.0025% 2

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) 3. ALTERNATE DELIVERY CHANNEL SERVICES A. ANNUAL SUBSCRIPTION PER ANNUM a. BankIslami (Visa or Master Card) Rs.610/- Debit Classic Card b. BankIslami Visa Debit Gold Card c. BankIslami Debit Master Card (Titanium) d. Card Replacement Charges 3 (vii) UIN Charges (Per Annum) a) Individual Rs.150/- b) Corporate Rs.1,000/- (viii) Deposit Charges a) Shares (Per Share) 0.01 b) TFCs (Per Unit) 0.01 c) Rights (Per Right) 0.01 d) Processing Fee (Per Share/Unit/Right) 0.50 (ix) Withdrawal Charges a) Shares (Per Share) 0.10 b) TFCs (Per Unit) 50.00 c) Rights (Per Right) 0.10 d) Processing Fee (Per Share/Unit/Right) 0.50 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 Rs. 2,500/- (Monthly) (b) Dealer Creation Charges Rs. 500/- (per dealer) (c) Collection & Delivery of Cash through Rs. 2,000/- Up to PKR 1 Million and additional 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 e. ATM One Card f. Supplementary Card g. Chip Maintenance Charges 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) Rs.910/- Rs.1,200/- Rs.600/- (applicable for all Brands & Categories) Rs.600/- (applicable for all Brands & Categories) Rs.250/- Rs.150/-

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) B. VALUE ADDED SERVICES PER ANNUM C. a. Card Pin Reissuance Charges b. Takaful and Accidental Cash Coverage c. Biometric Cardless ATM Service POS PURCHASE AND INTERNET TRANSACTIONS Rs.100/- per request PER TRANSACTION a. Domestic POS Transaction b. International POS Transaction c. Internet Shopping on Debit Card 2.75% of amount Rs.50/- per request (Enablement Charges) D. E-COMMERCE TRANSACTIONS PER TRANSACTION a. Internet Shopping on Card B. Payment via Internet Banking (Keenu Net Connect) E. SMS BANKING a. SMS Alerts Charges b. SMS Alert Consumer Assets c. SMS Requests (Pull Messages) d. SMS OTP (One Time Password) Charges F. TRANSACTIONS ON ATM a. BankIslami ATM Cash Withdrawal (Card and Biometric) b. BankIslami ATM Cash Withdrawal (Cardless) c. BankIslami ATM Balance Inquiry d. BankIslami ATM Mini Statement e. Bills Payment from BankIslami ATM f. Mobile Top-ups & Postpaid Bills from BankIslami ATM g. Internal Funds Transfer from BankIslami ATM h. 3rd Party Funds Transfer (within BankIslami) i. Inter Bank Funds Transfer from BankIslami ATM a) Upto Rs. 9,999 b) 10,000 to 249,999 c) 250,000 to 499,999 d) 500,000 to 1,000,000 j. 1 Link/Mnet ATM Cash Withdrawal k. Mnet ATM Balance Inquiry l. International ATM Cash Withdrawal m. International Balance Inquiry G. INTERNET BANKING a. Bills Payment at BankIslami ATM b. Mobile Top-ups & Postpaid Bills c. Internal Funds Transfer d. 3rd Party Funds Transfer (within BankIslami) e. Inter Bank Funds Transfer a) Upto Rs. 9,999 b) 10,000 to 249,999 c) 250,000 to 499,999 d) 500,000 to 1,000,000 f. Standing Instructions (Bills & Transfers (excludes IBFT)) Rs.960/- per annum (Deducted in advance) Rs.80/- per month Rs.2/- per request Rs.0.5/- per OTP PER TRANSACTION Rs.5/- Per Transaction Rs.15/- Rs.50/- Rs.100/- Rs.150/- Rs.15/- Rs.5/- 2.75% of amount Rs.200/- PER TRANSACTION Rs.15/- Rs.50/- Rs.100/- Rs.150/- 4

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) H. MBANKISLAMI MOBILE APP a. Bills Payment at BankIslami ATM b. Mobile Top-ups & Postpaid Bills c. Internal Funds Transfer d. 3rd Party Funds Transfer (within BankIslami) e. Inter Bank Funds Transfer a) Upto Rs. 9,999 b) 10,000 to 249,999 c) 250,000 to 499,999 d) 500,000 to 1,000,000 I. DISPUTE PROCESSING CHARGES a. Arbitration Charges / False Chargeback (Local and International) b. Documents Retrieval Charges c. Cheque Retrieval Charges d. False ATM Complaints, Retrieval of Snaps and Video Charges J. CALL CENTRE / IVR a. Account Statement Request b. Last Five or Ten Transactions on IVR or through CC Agent c. Balance / Reference Certificate d. Balance Inquiry on IVR or through CC Agent e. PO / DD Requests (to be collected in person by the customer from requested branch) f. Funds Transfers (Intra-Bank) g. Payments to Facility Account(s) from Deposit Account(s) h. Cheque Book Issuance i. Utility Bill Payment j. Stop Payment Request k. Cheque Status Information l. Change address / Telephone number m. Booking Request for Time Deposits 4. FINANCING A. (a) AUTO FINANCE (i) New Vehicle (Financing up to Rs. 1 M) Application Fees Documentation & Processing Valuation (ii) New Vehicle (Financing above Rs. 1 M but less than Rs. 10 M) Application Fees Documentation & Processing Valuation (iii) New Vehicle (Financing above Rs. 10 M but less than Rs. 50 M) Application Fees Documentation & Processing Valuation PER TRANSACTION Rs.15/- Rs.50/- Rs.100/- Rs.150/- USD 500/- (or equivalent in PKR) per case Rs.200/- per documents (local transactions) Rs.850/- per documents (International Transactions) Rs. 200/- per cheque Rs. 1000/- per transaction Half (50%) of the normal charges as per SOC Half (50%) of the normal charges as per SOC PO: 50% of Normal charges; DD: Normal charges as per SOC Normal Charges Rs. 20/- per Bill (Over and above bill amount) Normal Charges 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 5

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) (iv) (v) (vi) (vii) (viii) (ix) (x) (b) HOUSING FINANCE (MUSKUN) (i) (ii) (iii) (iv) (v) (vi) (c) OTHER DURABLES (i) Application fee (ii) Processing & Documents Charges (iii) Incidentals (iv) Cheque Return Administrative Charges (v) Default due to insufficient funds in account (for Standing Instructions cases) to be given in charity (vi) Duplicate Schedule / copies of Legal Documents (d) TAKAFUL (i) (ii) (iii) Old (Local / Imported) Vehicle (Financing up to Rs. 1 M) Application Fees Documentation & Processing Valuation Old (Local / Imported) Vehicle (Financing above Rs. 1 M but less than Rs. 10 M) Application Fees Documentation & Processing Valuation Old (Local / Imported) Vehicle (Financing above Rs. 10 M but less than Rs. 50 M) Application Fees Documentation & Processing Valuation Repossession of Vehicle Cheque Return Charges Change of vehicle after approval Additional Charges Vehicle Storage Charges Legal and Administrative Charges Application Processing Charges Appraisal (House/Flate) Financing Up to 10M Property Value above 10M BOQ Verification BOQ Tranche Visit Lawyers' Fee Income Estimation 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 Partial Payment Once in every six months after first anniversary More than once in every six months Incidentals Cheque Return Charges Change of beneficiary in first year Change of beneficiary after first year Additional Investment 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. 3.500/- (per case) inclusive of FED At actual Local Cheques: Rs. 100/- Outstation Cheques: Rs. 500/- Rs. 1,500/- Rs. 500/- FREE Rs. 1,000/- per case (inclusive of FED) 2% of additional investment (inclusive of FED) 6

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) B. CORPORATE SME FINANCING (a) Vehicles (i) New Application Fees 5. MISCELLANEOUS CHARGES ON FINANCING (to be recovered in addition to profit / return on investment) 7 C. (ii) Processing Fees Documentation Old (Local / Imported) Application Fees Processing Fees Documentation Valuation (b) Other Equipment Processing Documentation Valuation Islami Bachat Account (Average Monthly Balance) Asaan Account (Any) (c) Large Islami Current Account Islami Sahulat Account Islami Bachat Account (Average Monthly Balance) Asaan Account (Any) Locker breaking charges 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 Actual cost incurred by BankIslami A. Miscellaneous Charges (i.e. charged for documents, documents security, evaluation of security and maintenance there of etc.). B. C. D. E. F. G. Issuance of delivery order against pledge Search Report charges Godown Rent / Leased Assets Inspection Charges Godown Staff Keepers/Chowkidar Godown Inspection Charges Delivery Charges (If a Godown Keeper is not H. posted conveyance charges will also be recovered). Issuance of NOC in favor of other banks Rs. 2,500/- (flat) 6. SAFE DEPOSIT LOCKERS A. Key Deposit Rs. 2,000/- (refundable) B. Locker Rental (Annual) - to be recovered in advance (a) Small Islami Current Account Islami Sahulat Account Islami Bachat Account (Average Monthly Balance) Asaan Account (Any) (b) Medium Islami Current Account Islami Sahulat Account 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. 1,500/- p.a. FREE (If average monthly balance of Rs. 500,000/- is maintained for 1 year otherwise customer will be charged Rs. 2,500/-) Up to Rs. 2,500/- Rs. 2,500/- p.a. 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/- 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/- Rs. 5,000/- p.a. At Actual

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) 7. TRADE SERVICES A. IMPORTS a) Letter of Credit Opening (i) Minimum Charges Rs. 1,500/ (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 From LC Amount To 1st Quarter or part thereof Subsequent Quarters or Part Thereof 8

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) From LC Amount To 1st Quarter or part thereof Subsequent Quarters or Part Thereof 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 To Per Month or Part Thereof 9

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) 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 Shipping Guarantee. (iii) Registration of contract for Import on Collection basis. (iv) Amendment to Contract registration (irrespective of any increase in amount) (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 (ix) (x) Import Bills return Unpaid. Correspondents reimbursement charges Rs. 1,500/- 0.15% (flat); Minimum Rs. 1,500/- Rs. 1,000/- 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. 1,500.00. (to be included in the Murabaha Price). Rs. 500 plus courier charges from the beneficiary. At actual 10

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) (xi) Remittance against import without opening of LC / Registration of Contract (Advance Payment) Letter of Credit Cancellation (xii) (xiii) Discrepancy fee (xiv) Issuance of any Import Certificate 0.15% (flat) minimum PKR 2,000/- Plus SWIFT / FDD Charges. Rs. 1,000/- (flat) plus swift charges. FOREIGN BILLS: USD 75/- or equivalent to be collected from the beneficiary bank per discrepant document.(flat); INLAND BILLS: Rs. 4,000/- (flat) Rs. 500/- B. INLAND TRADE (a) Minimum Charges Rs. 2,000/- (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 From Amount Range To Per Quarters or Part Thereof 11

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) From Amount Range To Per Quarters or Part Thereof (f) C. a) b) c) d) e) f) g) h) i) j) k) l) m) n) o) p) Slabs for acceptance of Inland Bills EXPORTS Letters of Credit (i) Advising (ii) Amendment Advising (iii) Negotiation of Rupee Bills under L/C (iv) Confirmation (v) Transfer of export L/C If documents are sent to other local Banks for negotiation under restricted Letters of Credit. Handling of duty draw back claims Documentary Collections (Local) Service charges against export documents sent on collection basis, where payment cover is already received in bank's foreign currency account. Handling of Freight Subsidy cases Handling of Export Development Surcharge (EDS) cases Service Charges for issuance of EPRC / PRC Against Advance Payment FCF Processing Fee Islamic Export Refinance Scheme (IERS) Processing Fee ERF - NOC for Entitlement Export L/C Pre-Advice (including L/C Amendments) Transfer of export bills lodged under collection to other banks. Service charges against export advance payment received Documents returned unpaid Documents sent to other banks for negotiation under restricted L/C 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) Rs. 500/- (flat) per case All costs to be covered in facility structure Rs. 1,000/- (flat) per case Rs. 1,000/- (flat) plus courier charges if any Rs. 1,000/- (flat) per case 0.13% Minimum Rs. 2,000/- Rs. 500/- (flat) per document. Rs. 500/- (flat) per case 12

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) q) r) s) D. a) b) c) d) e) f) g) Handling of R & D / DLT Cases Issuance of Performance Certificate or Verification or Statement other than EE & EF form N.O.C to other Banks for 'E' Form Verification LETTERS OF GUARANTEE Minimum Charges for Issuance of Letters of Guarantee Rs. 500/- (flat) per case Rs. 500/- per item Rs. 1,000/- (flat) 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 From Amount Range To 1st Quarter charges Subsequent Quarters or Part Thereof 13

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) From Amount Range To 1st Quarter charges Subsequent Quarters or Part Thereof 8. INTERNATIONAL REMITTANCES A. a) b) c) d) OUTWARD FDD / FTT including SWIFT charges Duplicate FDD / FTT FDD / FTT Cancellation Indirect FTT (through our correspondents) 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 e) Foreign Travellers Cheques 1% of the value of the Travellers' Cheques issued f) Purchase of FDDs / Tcs 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) B. INWARD a) General FREE if the proceeds are credited to an account with us; Otherwise a flat charge of PKR 250/- plus FTT / FDD Charges. 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. 14

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) 9. POSTAGE & COMMUNICATIONS A. B. C. D. E. Courier Charges (For all destinations) a) International b) Inland c) Local (within same city) Registered Post a) International b) Inland c) Local (within same city) Facsimile Charges a) International b) Inland c) Local F. Telephone a) International b) Inland c) Local 10. For BIPL Staff 1 2 3 4 5 6 7 8 SWIFT Charges a) b) c) d) e) Letter of Credit Full Letter of Credit Short Letter of Credit Amendment SWIFT Charges International SWIFT Charges Domestic RTGS Charges - Small Ticket Addition a) b) For Amount Rs. 100,000/- and upto Rs. 999,999/- For Amount Rs. 1,000,000/- and above Monday to Friday Monday to Friday Issuance of Pay Order Issuance of DD Issuance of FTT DD / PO Cancellation Duplicate DD / PO Lockers (Small, Medium, Large) Outward Bill for Collection drawn outside Pakistan (OBC) OBC (drawn within Pakistan) 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 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/- 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 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 100% waiver to BIPL staff or his/her nearest family member. Waiver not applicable to 3rd party cheques 15

SCHEDULE OF BANK CHARGES (1st July - 31st December 2017) 9 Inward Bill for Collections (IBC) 10 Outward FDD 11 12 13 14 15 16 17 18 19 20 21 22 FTT / FDD Cancellation Cash Handling Charges on deposit of currency notes for credit to a Foreign Currency Account Stop Payment of cheques Stop payment on account of Loss of a Cheque Book Duplicate statement of account Confirmation of Balance to Auditors Account Reactivation Charges Issuance of Checkbooks (all currencies)- 25 leaves only ATM / Visa Debit Card Issuance and Renewal IBFT OTP (One time Password via SMS) Change Address 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. Rs. 50/- Rs. 2/- per SMS 11. NOTES A. B. C. D. E. Stamp Duty / FED if any will be recovered as per FBR regulations in addition to Bank's charges mentioned above. All charges are subject to government tax as announced/amended by the government from time to time. Discounts / waivers may be given to high-value customers of the Bank. Current Accounts are based on 'Qard' therefore Bank will not give any extra benefit or waiver on any facility to Current Account holders. 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

8,000/-

7,000 3,400/- 5,700/- 16,900/- 39,900/- 54,900/- 50 100 300 10 50 100

A 15,600 7,500 7,500 15,600 ix x

15/- 50/- 249,999/- 9,999/- 10,000/- 100/- 499,999/- 250,000/- 150/- 1,000,000/- 500,000/- 100/- 499,999/- 250,000/- 150/- 1,000,000/- 500,000/- 15/- 50/- 9,999/- 10,000/- 249,999/-

15/- 50/- 9,999/- 10,000/- 249,999/- 100/- 499,999/- 250,000/- 150/- 1,000,000/- 500,000/-

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

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