SCHEDULE OF BANK CHARGES (EXCLUSIVE OF FED) EFFECTIVE FROM JANUARY 01, 2016 TO JUNE 30, 2016

Transcription

1 Pg 1 of 25 Prt-A 1 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription IMPORTS Sight/DA Lttr of Crit Opning Commission. INTERNATIONAL BANKING Annul volum uring lnr yr 1st Qtr or prt throf Eh su Qtr or prt throf. Upto Rs.25 M 0.40% Pr 0.25% Pr Qurtr Qurtr Exing Rs. 25 M to Rs.50 M Exing Rs. 50 M to Rs.100 M 0.35% Pr Qurtr 0.30% Pr Qurtr Aov Rs.100 M Ngotil Pr Qurtr f Plus : Swift Rs. 1,500/- Flt Courir Rs.1,500/- Flt pr itm 0.20% Pr Qurtr 0.20% Pr Qurtr Ngotil Pr Qurtr Minimum Amount pr LC Rs.2,000/- pr LC Not:- ) (i) If onssionl rts r pprov y th Funtionl H, ths r sujt to th fulfilmnt of rquirmnts mntion in pr # (ii) low, othrwis full rt shll hrg. (ii) Projt Annul Volum to srtin n pprov y Funtionl H. (iii) Commitmnt lttr to otin from th ustomr for rovring "Diffrn" in ommission rising out of shortfll in usinss volums t th n of th yr. (iv) Brnhs on th sis of TI Rport 2-00A will monitor Import Businss ginst onssionl rt n rovr Commission if ny u to shortfll in th volum of Businss. (v) Rovry of ommission, if ny, u to shortfll in volums of usinss will m y th rnhs t th n of th yr. (vi) Any wivr will pprov y rsptiv Funtionl H. Applil g Not:-) If prty mks pymnt of Import Bill in Forign Currny in whih LC ws opn. (i) Commission in liu of 0.12 % will rovr plus Hnling Rs.800/- Flt (ii) 0.12% will rovr if Forign Exhng Covr provi y th lint is through nothr Bnk plus Hnling Rs.1,000/- Flt Not:-) Aitionl Rs.800/- Flt will rovr for th issun of rtifit to th rmitting nk. This hrg will pplil whn Customr rrngs rmittn through nothr Bnk. Not:-) Whr th Importr posits 100% Csh Mrgin t th tim of opning of L/C, rt of opning ommission my ru y 0.05%. Not:-) L/C Commission will lso rovr for un-xpir L/C prio u to xhng rt flutution y virtu of proviing forwr ovr to th ustomr ftr opning of L/C. L/C opn unr "Supplir Crit", "Py As You Ern Shm" - for prio ovr on yr. 0.40% pr qurtr or prt throf upto finl pymnt - Minimum Rs.2,000/- At th tim of opning of L/C, ommission to hrg on full mount of L/C liility plus intrst pyl thron for th prio from th t of opning of L/C until its xpiry. Thrftr, ommission is to rovr on six monthly sis on outstning/ ruing liility, s pr Shul of pplil s t tht t. h L/C opn unr "Dfrr Pymnt" - for prio ovr on yr. 0.40% pr qurtr or prt throf upto finl pymnt - Minimum Rs.3,000/- At th tim of opning of L/C, ommission to hrg on full mount of L/ liility for th prio from th t of opning of L/C until its xpiry. Thrftr, ommission is to rovr on six monthly sis on outstning/ ruing liility, s pr Shul of pplil s t tht t. i In s of L/G unrtking to L/G ommission to 1.6% pr nnum on ruing liility. issu fvouring SBP for Minimum Rs.2,000/- proviing forwr ovr xhng risk unr Supplirs /Buyrs Crit "Py As You Ern Shm" n "Dfrr Pymnt" L/C on hlf of pplint. 1.1 j Non-Rimursl Lttrs of Crit unr Brtr / Ai/ Lons & Authoriztion to Py. HBL Tr Powr Sight/DA Lttr of Crit Opning Commission. 1.0% for first qurtr n 0.30% for h susqunt qurtr or prt throf. Minimum Rs.1,500/- Annul volum uring lnr yr 1st Qtr or Eh su Qtr or prt throf prt throf. Upto Rs. 20 M 0.35% Pr Qurtr 0.20% Pr Qurtr Exing Rs. 20 M to Rs.40 M 0.30% Pr Qurtr 0.15% Pr Qurtrr Minimum Amount pr LC Rs.1,200/- pr LC

2 Pg 2 of 25 2 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription Contrt Rgistrtion for Imports on Consignmnt sis. 0.15% Minimum Rs.1,000/- pr trnstion. All othr pplil / inintl / susqunt hrgs not mntion ov shll hrg s pr th pplil stion of th Shul of. REVALIDATION CHARGES Applil Rvlition Commission for xpir L/Cs rvlit Commission to rovr from th t of lst xpiry of L/C until nw xpiry t, t rts pplil in s of opning of frsh L/C s in (1) ov. (L/C ommission will lult on th mount of liility s pr Exhng Rt prviling on th t of rvlition). Rvlition ommission will hrg on ptn y th pplint to sumission of oumnts ginst xpir L/Cs t ngotiting/opning nk's ountrs. 3 4 TRANSFER OF L/C Trnsfr of L/C to Nw Bnfiiry Rgistrtion of Import Contrt Trnsfr ommission t rts pplil in s of opning of frsh L/C s in (1) ov. Minimum Rs.1,500/- Not:- In s whr xpir L/C is to rvlit longwith its trnsfr to nw nfiiry, thn only on hrg of (2) ov with Minimum Rs.1,500/-. will pplil. 5 6 Rgistrtion of Import Contrt With SBP in rspt of Privt Forign Currny Lon otin y orrowr in Hnling hrgs Rs.6,000/- Flt Pkistn from Forign lnrs. i Issun of rtifit rgring opning of LC for rgistrtion of ontrt with nothr Bnk for ooking of forwr xhng ovr t Importr's rqust. Contrt Rgistrtion F othr thn '' ov. Upto Rs.75 Million Ovr Rs.75 Million Rgistr Contrt Amnmnt Commission L/C Amnmnt L/C Amnmnt Rs.1,000/- pr pplition flt for LC upto Rs.1 M Rs.1,500/- pr pplition flt for LC ovr Rs.1 M 0.20% Minimum Rs.2,000/- irrsptiv of import volums. Ngotil - (To pprov y Funtionl H) - Minimum Rs.1,500/- Flt Rs.1,000/- If mnmnt involvs inrs in mount thn Commission will s mntion ov. Not: For Expir Contrt Rvlition:- In ition to mnmnt hrgs, rvlition ommission will hrg s pr lus 4 (i) ov. Rs.1,200/- Flt pr trnstion or ommission unr itms (1) or (2) or (3) ov, if mnmnt involvs inrs in mount n/or xtnsion in prio of shipmnt. Plus : Swift Rs. 600/- Flt Courir Rs.1,500/- Flt pr itm Extnsion in mturity of Usn Srvi hrgs Rs.1,500/- Flt pr ill. Bills unr L/C / Contrt L/C Rtirmnt Mrk-up Mrk-up rt s pr Crit Lin in PKR is to hrg from th t of it to STRO Aount or PAD Logmnt whihvr is rlir till th t of rtirmnt, ftr justmnt of sh mrgin, if ny. In s of On Off Approvl, Mrk-up t Contrtul rt to ppli from th it to STRO Aount or PAD Logmnt whihvr is rlir till th t of rtirmnt, ftr justmnt of sh mrgin, if ny. In ition to mrk-up s pr 6(), Commission is to hrg s unr: i If rtir within 10 ys from th t of logmnt No Commission ii If rtir within % on purhs pri. susqunt to th prio t (i) ov. iii If rtir within nxt 15 ys 0.25% on purhs pri. th prio mntion t (ii) ov.

3 Pg 3 of 25 iv v SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription If rtir ftr 40 ys ftr 0.35% on purhs pri. prio mntion t (iii) ov. Import oumnts riv Hnling Rs.2,000/= pr shipmnt. Dirtly / Inirtly from th supplirs y th Applint / Bnk without rgistrtion of ontrt n pymnt m thrginst Applil i Not ):- Mrk-up woul not hrg uring th intrmiry prio of ngotition n rtirmnt, if 100% Csh Mrgin is provi to th Bnk t th tim of opning of L/C. Pls lso not tht whr th importrs posit 100% Csh Mrgin prior to th t of ngotition, no mrk-up will hrg on th Import ill uring th intrmiry prio of ngotition n rtirmnt, ut whr 100% sh mrgin hs not n posit, Mrkup s pr Crit Lin will hrg ftr justmnt of sh mrgin if ny. If prty posits 100% mrgin ftr th t of ngotition ut for th t of logmnt of oumnts, Mrk-up s pr Crit Lin will hrg from th t of ngotition till th t of posit of 100% Csh Mrgin. Not ):- No mrk up will hrg from th t of ngotition till th t of logmnt of oumnts riv unr Import L/Cs, whr th pymnt s pr rimursmnt rrngmnt is m to th Ngotiting Bnk only on logmnt of th oumnts. Not ):- (i) In s of for PAD / Liility is rt u to non pymnt of ny ill on mturity, 0.45% is to rovr (on only) Minimum Rs.2,500/- (ii) In ition to ommission t Not (i) Mrk-up with pnlty s pr Crit Lin will ppli from th t of mturity / rtion of for liility until t of finl pymnt. In s of On Off Approvl, in ition to ommission t Not (i) mrk-up t norml ommril rt with pnlty is to ppli from th t of ngotition till th t of rtirmnt, ftr justmnt of sh mrgin, if ny. If ills r to rwn t usn unr L/C othr thn Py As You Ern Shm n Supplirs/ Buyrs Crit n Dfrr Pymnt L/C on yrly sis. () Rs.1,300/- Flt pr ill to hrg t th tim of rtirmnt of ills. () Extr 0.15% Minimum Rs.1,000/- pr month is to rovr/ hrg for th usn import ills for ny prio yon vliity of L/C. (Not:- Commission will rovr ftr xpiry of L/C in vn on qurtrly sis if usn prio of ill is yon 179 ys) 7 8 ii D/A Commission for ills rwn unr L/C if usinss xs Rs.250 M (P.A.) Ngotil (To pprov y Funtionl H). Disrpny in L/C Doumnts:- If isrpnis r foun y CTP in import L/C oumnts, US$ 75/- will lim from ngotiting nk s pr stnr lus ing stipult in ll L/Cs. L/C Cnlltion L/C nlltion hrgs Crit Rport Crit rport on Forign Supplirs/ Buyrs. (i) Rs.2,000/- Flt (ii) Plus Swift hrgs Rs.500/- (i) Atul (ii) Plus Swift hrgs - Rs.500/- Not : In s rit rport otin from xtrnl gnis, tul Plus Swift - Rs.500/- or Courir - Rs.1,500/- to rovr. 9 FIM Hnling hrgs on Rtirmnt of Import Doumnts unr Sight L/C y kping th Consignmnt unr Plg (FIM):- i Arrngmnt of Fility ii On on tim 0.55% of Bill Amount iii Du to For 1.20% of Bill Amount i Hnling hrgs of D.A L/C Consignmnt lr & kpt unr Plg:- Arrng t th tim of opning 0.35% of Bill Amount D.A L/C. ii On tim fility to ustomr on his rqust whr Bnk is not grl to livr oumnts on D.A sis u to For PAD outstning or ny ovr us in th 0.55% of Bill Amount iii Whr ustomr fils to pt oumnts on first prsnttion & Bnk is for to lr th Consignmnt & kp in Bon 1.20% of Bill Amount

4 Pg 4 of SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription Import Bills rturn unpi. Applil Import Bills rturn unpi. Hnling hrgs US $ 100/- or quivlnt in Pk Rups. Plus Courir hrgs Rs.1,500/- n ny othr hrgs from Bnfiiry Bnk for rturn of un-pi ills. Not: ) If oumnts riv prtin to othr nks in Pkistn or r snt to thm on th instrutions of th forwring Bnk. Hnling US $ 40 Plus Courir of Rs.250/ Doumntry Colltion Import Colltions:- Doumntry on Sight & Usn sis Not: ) If forwring Bnk uthorizs us to livr oumnts fr of ost Hnling of Rs.2,000/- to rovr from Drw. Sight Rs.1,000/- Flt Usn 0.10% pr month or prt throf (from th t of logmnt until pymnt) Minimum Rs.1,000/- Not: If usn ills log n rtir on th sm y Rs.1,000/- Flt will rovr. Consignmnts. 0.1% Minimum Rs.1,000/- irrsptiv of import volums. Import ginst Avn pymnt to supplirs. Hnling hrgs ginst pymnt of import ills from th pros of FCF (Forign Currny Finning) whr L/C is stlish n shipping oumnts r riv t nothr Bnk. Rimursmnt Rimursmnt hrgs (Pyl to rimursing Bnks) Othr Import Rlt (i) Rs.1,500/- Flt (i) Hnling hrgs Rs.1,500/- (ii) Plus Swift Rs.500/- At Atul Issun of fright rtifit for import on FOB sis. Srvi hrgs ginst import trnstions i.. Import Bills/PAD / Colltion / Dirt Doumnts/ Avn Pymnt. Rs.1,000/- 0.15% Minimum Rs.1,500/- Prt-B Dlivry Orr issu for rls of AWB onsignmnt in sn of originl oumnts. Rs.2,000/- Flt Expnss rovry protst / Lgl At Atul hrgs EXPORTS L/C Avising Avising L/C Export L/C Pr-Avi. Amnmnt Avising. Amnmnt Avising. Ngotition Ngotition of Rup Bills unr Export LCs. Export ill rliz through FCY ount for Exports to Afghnistn ginst posit/surrnr of FCY Nots. (i) Rs.2,000/- Flt (ii) Plus Courir Rs.150/- (in s of within ity) or Rs.250/- (in s of intrity) (i) Rs.1,000/- Flt (ii) Plus Courir Rs.150/- (in s of within ity) or Rs.250/- (in s of intrity) (i) Rs.1,000/- Flt (ii) Plus Courir Rs.150/- (in s of within ity) or Rs.250/- (in s of 0.25% Minimum 0.12% Minimum 0.45% Minimum Rs.3,000/- Th hrgs mntion t Prt-C (B) 1 () will not pplil hr.

5 Pg 5 of 25 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Applil Dsription Export Dvlopmnt Surhrg Rs.80/- Flt pr trnstion i ii Ngotition (FCY L/C s):- Cln Doumnts Disrpnt Doumnts Rs.2,000/- Flt Plus Courir Rs.1,500/- Not: - (1) In s of ovru FBP, Mrk-up s pr rit lin to rovr. (2) Ngotil whr nnul xport usinss volum on Group Bsis is ov Rs.25 M, with th pprovl of Funtionl H. If ommitmnt of nnul xport usinss volum ov Rs.25 M is not fulfill thn norml ngotition rts will pplil n rovris m in Dmr. f Doumnts Rturn Unpi Rs.600/- Flt pr oumnt plus hrgs of Corrsponnt Bnk, if ny. Confirmtion Confirmtion/Aptn Trnsfr of L/Cs. Trnsfr of Export L/Cs. Rimursmnt Rimursmnt pymnt to othr lol nks from Non-Rsint Rup A/. Prossing of Doumnts unr L/C rstrit on othr Bnks Rs.1,000/- Flt Plus Courir Rs.1,500/- Ths hrgs will pprov on s to s sis y Finnil Institutions - Glol Tr Srvis (FI-GTS). Pls rfr Not No.7 (Lst Pg) Rs.1,500/- Flt Rs.1,000/- Flt Whr oumnts r snt to othr Rs.1,000/- Flt nks for ngotition unr rstrit L/C. Hnling of Duty Drw - Bk Clims Hnling of Duty rw k lim 0.25% minimum Rs.1,000/- pr sumission to SBP. Hnling th prossing of 6% 0.25% minimum Rs.1,000/- pr sumission to SBP. R&D support lims to SBP. C Issun / Doumnts Trnsfrr Trnsfr of xport pros to 0.12% Minimum Rs.1,000/- Mximum Rs.7,000/- othr Bnk. ERF C for Entitlmnt Rs.1,200/- ( Flt) pr s for rgistrtion of Rs.1,500/- Flt ontrt for Export of Rw Cotton with Stt Bnk of Pkistn n susqunt hnling of shipping oumnts for rturn of Bnk Gurnt from Stt Bnk of Pkistn. 10 Prprtion of sustitution s in xport r-finns. Colltions Forign Chqus/ Drfts/ FTCs Rs.1,500 /- Flt (i) 0.12% Minimum Rs.200/- Mximum Rs.1,200/- Forign Doumntry Bills for Colltion (on whih Bnk os not rn ny Exhng iffrn). FDBC whr Bnk rns xhng iffrn. Trnsfr of xport ill log unr olltion to othr nks. (ii) Plus Courir - Rs.150/- 0.20% Minimum Rs.1,000/- Mximum Rs.2,000/- Rs.500/- Flt Pr Shipmnt Rs.1,200/- Flt

6 Pg 6 of 25 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription Srvi hrgs ginst Export 0.13% minimum Rs.1,000/- Doumnts snt on olltion (i)not:- Th Bnk will rovr upfront Courir hrgs from Exportrs - Rs.1,500/- sis whr pymnt ovr is t th tim of ispth of oumnts or Courir hrgs s pr Exportr's grmnt lry riv in our STRO with Courir Compny. Exportrs will hv to prou opis of suh grmnts A/C. (Othr thn Avn with Courir ompnis whih r on Bnk's pnl. Pymnt) Applil 11 Avn Pymnt Hnling ginst vn pymnt riv for xport 0.10% minimum Rs.1,000/- Prt C A 1 -i -ii i FOREIGN CURRENCY REMITTANCES OUTWARD: Issun of FDD from FC A/C 0.25% Minimum Rs.1,000/- ginst PKR s pr Forign Exhng Rgultions. Plus Swift hrgs Rs.500/- Issun of FFT from FC A/C & ginst PKR s pr Forign Exhng Rgultions. Spil rmittns in rspt of Shipping Fright, Divin, Avrtismnt t. Lol Forign Funs Trnsfrs (LFFT) LFFT within th sm Brnh or to ny Brnh within th sm ity, irrsptiv of mount Intrity LFFT FFT/FDD Cnlltion / Stop Pymnt pr instrumnt. Not:- This ommission will not rovr whr FC pros of Hom Rmittn r snt s sttlmnt to th nfiiry s nk. - Fr issun of FDD for HBL t Work 0.25% Minimum Rs.750/- Plus Swift hrgs Rs.500/- Not:- This ommission will not rovr whr FC pros of Hom Rmittn r snt s sttlmnt to th nfiiry s nk. - Commission r to wiv for HBL t Work Aount ut SWIFT will pply & shoul ut. Srvi hrgs Rs.1,000/- pr s in ition to norml rmittn hrgs unr 1() ov. Fr 0.10% Minimum - US$ = 5/- GBP = 3/- Euro = 4/- Not: Fr Intrity LFFT for HBL t Work Aount Rs.500/- Plus Drw Bnk if ny. Dpning on th urrny in whih trnsfr is ing m Plus Swift hrgs Rs.500/- Issun of uplit FDD Norml Issun unr 1() ov. B 1 Plus Swift - Rs.500/- for itionl mssg. INWARD: Hom Rmittn Othrs (Avn Pymnt) Coinstr Mony Trnsfr (Prviously Trvlx) Srvi hrgs on pymnt of Rs.0.15% Minimum Rs.500/- Mximum Rs.4,000/- Inwr Forign Rmittns (othr thn Hom Rmittns) to nfiiris mintining ounts with othr Bnks. Plus Courir Rs. 150/- Commission / Hnling hrgs Fr if th posit rmins in th FC Aount for 14 ys, on posits of Forign Currny othrwis 0.25% (in FCY or Pk Rups). Nots for th rit of FC Aount Minimum Rs.300/- in rsptiv urrnis. Not: Ths will pplil only on th mount rmitt / withrwn within 14 ys from th FCN mount posit in th FC Aounts.

7 Pg 7 of 25 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription Prt D OTHER CHARGES ON FOREIGN EXCHANGE TRANSACTIONS 1 Corrsponnts hrgs, if ny, will rovr. At tul 2 Forign ills snt for olltion Rs.500/- Flt Plus Corrsponnt Bnk's, if ny rturn unpi. Plus Swift hrgs Rs.500/- if pplil. 3 Inwr olltions riv (rlting to F.C A/) from ro or lol nks/ rnhs & whr pymnt is mn in Forign Currny. 4 Cln Inwr Forign Colltion Chqu Rturn (To hrg for sning k hqu to Collting Bnk through DHL). US$ 5/- for olltion upto US$ 1,000/- US$ 15/- for olltion ov US$ 1,000/- Plus Swift hrgs Rs.500/- US$ 20/- (To rovr from Collting Bnk) Applil 5 Inwr hqus riv from 0.15% Minimum Rs.250/- lol rnhs, up-ountry rnhs or lol nks for pymnt in Pk. Rups. (Convrt Plus Swift hrgs Rs.500/- th rlvnt Forign Currny t th uying rt) 6 Issun of Pros Rliztion Crtifit, if trnstion is olr thn on yr. Rs.500/- Flt pr rtifit. 7 Duplit Pros Rliztion Crtifit. 8 Stning Instrution in Forign Currny A/. Rs.1,000/- Flt pr rtifit. US$ 5/- pr trnstion plus tul rmittn hrgs s pplil.

8 Pg 8 of 25 Prt E 1 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription REMITTANCES Issun of Bnkr's Chqu Through A/ Aginst Csh DOMESTIC BANKING Rs.200/- Flt Rs.500/- Flt Rs.1000/- Flt Upto Rs.100,000/- Aov Rs.100,000/- Not:- for issun of Bnkr's Chqu for pymnt of f/us in fvour of Eutionl Institutions, HEC/Bor t. shoul not x 0.50% of f/us or Rs.25/- pr instrumnt, whihvr is lss. For Csh Mngmnt ustomrs, s pr spifi grmnt with thm. Cnlltion of Bnkrs Chqu Rs.500/- Flt for non ustomrs n Rs.200 for ustomrs. Not: Cnlltion of Bnkr's Chqu r pplil for From A/ Holrs Issun of Rplmnt, in s of lost Bnkr's Chqu Not:- No nlltion hrgs on Bnkr's Chqu : (i) Issu in fvour of Ministry of Foo, Govrnmnt of Pkistn, s n vn posit ginst BARDANA (Jut Bgs) only uring wht prourmnt sson. (ii) Issu in fvour of Govrnmnt Dprtmnts s Surity Dposit n rfun to th Purhsr on rommntion of th sm Govrnmnt Dprtmnt. (iii) Issu in fvour of Eutionl Institutions, HEC/Bor t. Sm s Bnkr's Chqu issun hrgs Applil 2 Spil Pr-print Drfts for CMD 0.04% - issun hrgs or s pr grmnt y CMD with th ustomr. 3 INTER BRANCH ONLINE TRANSACTIONS / CROSS BRANCH OFF LINE TRANSFERS Prout Trnstion Pyl By Dposit (Csh) (i) Within City Fr Dpositor (ii) Intr ity Flt Rs.370/- Not:- i) Bnk's Rmittn Applition shoul otin from th Dpositor for ll Intrity Intr-Brnh Csh Dposits ii) From ount is xmpt from th rovry of Within City & Intrity hrgs. Withrwls (Csh) Chqu Dposits (HBL Chqu - For rit to HBL Aount) (i) Within City Upto Rs.500,000/- pr y (ii) Intr-ity upto Rs.500,000/- pr y (i) Within ity n within th Cthmnt r of On Clring Hous (ii) Intr ity Non-HBL Chqu posit in lol lring n funs rit to HBL Intr-ity Brnh Aount Flt Rs.370/- Bnfiiry Fr Flt Rs.370/- Fr Flt Rs.370/- Aount Holr Aount Holr Lol Funs Trnsfrs (LFTs) Onlin Funs Trnsfr / Cross Brnh Trnsfrs (i) Within ity n Fr within th Cthmnt r of On Clring Hous (ii) Intr ity Flt Rs.370/- Not : HBL Chqu to otin from Aount Holrs for ll LFTs () ov. Not:-1 () Whr link is own, rmittn my snt y othr mns without xtr hrgs. () All on-lin trnstions shoul trt s within ity twn following itis: (i) Islm & Rwlpini (ii) Chn Ngr (Rwh) n Chinniot (iii) Khush & Juhr Aount Holr Not:-(2) () As pr HOK instrutions ll HBL Chqus posit t Brnh Countrs whih r rwn on Misys Brnhs must ollt through Onlin fility inst of NIFT. () Colltion of Non HBL Chqu Rs.200/- Flt (Plus ) whr NIFT fility is vill othrwis Norml OBC r to rovr. Not:-(3) Csh Mngmnt s pr grmnt sign with th ustomr. Not:-(4) Csh Mngmnt s pr Shul of whr no writtn grmnt is vill. Not:-(5) No srvi hrgs shll rovr from stunts positing f irtly in th F Colltion Aount of th Eutionl Institution through Csh Dposit / LFT / IBTS / Cross Brnh Trnstion t. Not:-(6) mntion t 3,,, r lso pplil for ll Brnhs. Not:-(7) mntion in Prt E 3 (,, & ) ov r not pplil on HBL From n HBL t Work Aount Holrs. Not:-(8) All hrgs prtining to intrity funs trnsfrs unr this stion will xmpt in s of sls of thir prty mutul fun trnstions.

9 Pg 9 of 25 4 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription HBL RUPEE TRAVELLERS CHEQUES : Issun of HBL Trvlrs Rs.10/- pr lf Chqus Rfun in liu of lost Trvlrs Chqus Rs.100/- pr lf Applil Issun of TCs in liu of lost TCs Rs.100/- pr lf 5 3r Prty Funs Trnsfr using SBP's, RTGS Systm - MT 103 Fility Thrshol mount of 3r Prty Funs Trnsfr through RTGS vi MT-103 is Rs. 1 Million Funs Outflow Mony to Friy Funs Outflow Mony to Friy Funs In-flow Prt F BILLS 1 Colltion: - Doumntry Trnstion Tim Winow HBL Shr of Pyl to Pr SBP Pr Trnstion Trnstion (PKR) G.L.Co- (PKR) G.L.Co Totl to rovr from Customrs (PKR) 9:00 AM to 1:30 PM Rs. 200/- Rs. 20/- Rs. 220/- 1:30 PM to 3:00 PM Rs.300/- Rs. 30/- Rs.330/- 3:00 PM to 4:00 PM Rs. 500/- Rs. 50/- Rs. 550/- Funs In-flow NIL 6 3r Prty Funs Trnsfr using SBP's, RTGS Systm - MT 102 Fility Thrshol mount of 3r Prty Funs Trnsfr through RTGS vi MT-102 is Rs. 100,000/- Cln (inluing hqus/ ivin wrrnts/ rfts t.) Chqus riv for olltion irtly from othr Bnks for US$ rfts / hqus prsnt in lring. Trnstion Tim Winow HBL Shr of Pyl to Pr SBP Pr Trnstion Trnstion (PKR) G.L.Co- (PKR) Totl to rovr from Customrs (PKR) First Bth 12:00 PM Rs. 25/- Rs. 25/- Rs. 50/- 2n Bth 3:30 PM Rs. 25/- Rs. 25/- Rs. 50/- 0.40% Minimum Rs.1,000/- (ii) Plus Courir Rs.150/- (in s of within ity) or Rs.250/- (in s of 0.25% Minimum Rs.300/- Mximum Rs.10,000/- (ii) Plus Courir Rs.150/- (in s of within ity) or Rs.250/- (in s of intrity) No hrgs on LBC i.. pros of othr nks hqus ollt in sh OR rout through ount mintin with lol NBP rnh n vi 0.25% Minimum Rs.500/- Mximum Rs.10,000/- (ii) Plus Courir Rs.150/- (in s of within ity) or Rs.250/- (in s of intrity) Rs.300/- pr instrumnt. Flt Intrity lring through NIFT Rs.300/- pr instrumnt. Flt No hrgs for trnstions twn following twin itis:- (i) Rwlpini & Islm. (ii) Chn Ngr (Rwh) n Chinniot. (iii) Khush & Juhr. No hrgs within Cthmnt Ar of NIFT in All Rgions, if lring is hnl s lol lring n not s intrity lring. f Urgnt olltion of lol hqus for Rs.500,000/- n ov Rs.500/- pr olltion. g Rturning for Intrity Clring / Colltion (Doumntry / Cln) 2 Inln Lttr of Crit Opning Commission Rs. 500/- Flt (ii) Plus Courir Rs.150/- (in s of within ity) or Rs.250/- (in s of intrity) Only for OBC Upto Rs.25 M Exing Rs. 25 M to Rs.50 M Exing Rs. 50 M to Rs.100 M Aov Rs.100 M 0.40% pr qurtr 0.35% pr qurtr 0.30% pr qurtr Ngotil Pr Qurtr Plus Swift Rs.500/- Flt Courir Rs.150/- (in s of within ity) or Rs.250/- (in s of intrity) Minimum Rs.2,000/- pr LC Not: ngotil on s-to-s sis unr pprovl of Funtionl H

10 Pg 10 of 25 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription Amnmnts hrgs without inrs in mount. Rs.1,500/- Flt Involving inrs in mount n / Rs.1,500/- pr trnstion or Commission s pr (2) ov, in s of inrs in or xtnsion in prio of shipmnt. mount or xtntion in vliity of LC. Applil Extnsion in mturity of Usn Srvi hrgs Rs.1,000/- Flt pr ill Bills Cnlltion. Rs.1,500/- Flt (Cnlltion with mutul onsnt of Bnk & Customr/ Bnfiiry) f g h Avising / Amnmnt. Rs.1,500/- Flt (ii) Plus Courir Rs.150/- (in s of within ity) or Rs.250/- (in s of intrity) To Confirmtion on LC As pr Crit Risk (to pprov y FID). Hnling ommission on inln Rs.600/- Flt pr olltion. import olltion ills t opning n. i Hnling of isrpnt oumnts Rs.1,500/- Flt 3 Purhs of Bills, Chqus t. Doumntry Bills othr thn thos rwn ginst Lttrs of Crit Sm hrgs s for olltion it t 1() ov Plus Mrk-up s pr Crit Lin from th t of purhs to th t of pymnt. In s of On Off Approvls, Mrk-up t norml Commril rt is to ppli from th t of purhs to th t of pymnt. Cln Bills (Chqus, Drfts t) Sm hrgs s for olltion it t 1() ov Plus Mrk-up s pr Crit Lin from th t of purhs to th t of pymnt. In s of On Off Approvls, Mrk-up t norml Commril rt is to ppli from th t of purhs to th t of pymnt. Not:- Slry hqus issu y Controllr of Militry Aounts r xmpt from hrgs it t 1() n 1 (f) ov n mrkup. Howvr, Courir Rs.150/- (in s of within ity) or Rs.250/- (in s of intrity) r to rovr. i Postg Lol (within ity) - Rs.30/- Inln (Intr City) 50/- pr itm / Courir hrgs Lol (within ity) Rs.150/- Inln (Intr-ity) Rs.250/- pr itm r to rovr on olltion of h instrumnt (whthr ln or oumntry). 4 ii i ii iii Collting Bnk's n Swift / Courir will xtr. Mrk-up shll ppli s unr on ills purhs/ ngotit. If rtir up to 21 st y from th Mrk-up s pr Crit Lin on Atul Finn. t of purhs. In s of On Off Approvl, Mrk-up t norml Commril rt on Atul Finn is to ppli. If rtir uring nxt 210 ys. Mrk-up s pr Crit Lin on Atul Finn. In s of On Off Approvl, Mrk-up t norml Commril rt on Atul Finn is to ppli. Storg. Plus Bnk's 20 piss pr Rs.100/- i) No hrg, if lr within 3 ys of its ript y th rnh. ii) Rs.2 pr pkt pr y Minimum Rs.200/- Doumntry ills rwn ginst Inln Lttrs of Crit. 4.1 SIGHT BILLS At Ngotiting En i Ngotition Commission 0.55% Minimum Rs.600/- Plus Mrkup s pr Crit Lin or norml Commril rt from t of Ngotition till rliztion. ii Colltion hrgs (Inln L/Cs) Rs.800/- Flt iii Colltion hrgs for rstrit L/C (whr ngotition is rstrit to som othr Bnk n prsnt to us for forwring). Rs.1,000/- Flt

11 Pg 11 of 25 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription At opning n (t th tim of rtirmnt) rt of mrk-up Applil 2 i Prt G If rtir within 3 ys from th t of logmnt. If ngotition is rstrit to som othr Bnk. Mrk-up s pr Crit Lin from th t of ngotition. In s of On Off Approvl, Mrk-up t norml Commril rt is to ppli from th t of ngotition. ii If rtir ftr 3 ys of logmnt. Mrk-up s pr Crit Lin plus 0.25%. In s of On Off Approvl, Mrk-up t norml Commril rt plus 0.25% is to rovr. Not:- No mrk-up will hrg from th t of ngotition till th t of logmnt for oumnts riv unr Inln L/Cs, whr th pymnt s pr r-imursmnt rrngmnt is m to th Ngotiting Bnk only on ript of oumnts. Forwring rnh shoul rovr Hnling Chrg of Rs.500/- (Flt) pr ill plus tul hrgs of Ngotiting Bnk. 4.2 USANCE BILLS At opning n: - i Colltion 0.40% Minimum Rs.800/- Mximum Rs.1,500/- if oumnts r pi within L/C vliity. ii If ill mturs ftr xpiry of L/C. Usul hrgs s in (i) ov plus livry of oumnts ginst ptn 0.10% pr month on ill mount on rliztion from th t of xpiry of L/C. Minimum Rs.600/-. (i) In s of for PAD / Liility is rt u to non pymnt of ny ill on mturity, 0.45% is to rovr (on only). (ii) In ition to ommission t (i) ov mrk-up with pnlty s pr Crit Lin will ppli from th t of mturity / rtion of for liility till t of finl pymnt. In s of On Off Approvl, in ition to ommission t (i) ov, mrk-up t norml Commril rt with pnlty will ppli from th t of mturity / rtion of for liility till t of finl pymnt. At ollting n: i ii Colltion hrgs In s of purhs 0.40% - Minimum Rs.1,000/- Usul ommission s in (i) ov An 0.60 % for vry 15 ys from th t of purhs till th t of mturity/ pymnt, whihvr oms ltr. Not:- All othr hrgs suh s Postgs / Courir / Collting gnt's hrgs t, whrvr pplil will xtr. FINANCES / ADVANCES A 1 PROJECT FINANCE Projt Applition F (Non Rfunl) Aftr ptn of sntion y th ompny ut for isursmnt of th totl mount of sntion (Fun n Non Fun Both) On s to s sis s pr grmnt with th prty. F n in rspt of projt finning in ition to intrst/rturn on invstmnt:- Commitmnt F (on un-isurs ln) Projt Monitoring f (on Fun & Non Fun oth) On s to s sis s pr grmnt with th prty. On s to s sis s pr grmnt with th prty. Lgl oumnttion f On s to s sis s pr grmnt with th prty. Trust-ship f (to rovr On s to s sis s pr grmnt with th prty. in s of onsortium finning). Consortium Agnt F On s to s sis s pr grmnt with th prty. f R-struturing & R-shuling f of Projt Finn inluing ll typs of Mortorium / Dfrmnts. On s to s sis s pr grmnt with th prty. g Vlution of Fix Assts On s to s sis s pr grmnt with th prty. Not for 1 n 2 ov:- to pprov y th Funtionl H / Comptnt Authority.

12 Pg 12 of 25 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription B WORKING CAPITAL LOANS/ ADVANCES AND COMMERCIAL LENDING Applil 1 Lgl oumnttion f in ll Lgl Doumnttion F will rovr from ll 0.15%. Minimum ss of fun s n non Rs.1,500/- Mximum Rs.5,000/- pr proposl on th mount of oumnttion (i.. fun s filitis prinipl plus mrk-up) t th tim of initil isursmnt, nhnmnt, itionl finning & hng in suritis / olltrl of fun s & non-fun s filitis. Howvr, finns ginst Bnk Dposits / Govt. Suritis (whr no lgl opinion is sought), shll xmpt from this f. 2 Hnling for Filitis (Funs Bs & Non Funs Bs) Rs. 40 M upto Rs.100 M CREDIT SANCTION (Nw fility/initil) () Lgl Opinion, Prprtion of MODTD/Lgl Mortgg, Vrifition gnuinnss long with Srh of Proprty Doumnt. () Stmp uty on Control & Surity Doumnts (s pr Stmp Duty At pplil in h Provin) Atul Atul () Rgistrtion F & Chrg Srh Rport. Atul Not: Lgl oumnttion f hs to rovr in ition to th hrgs unr (), () & ( ) 0.12% minimum of Rs.40,000/- of fun filitis inluing usn L/Cs Intrim (ny hng in th Rs.10,000/- Flt (pr mnmnt) For SMEs Rs.3,000/- Flt fility/surity) 0.10% of th nhn fun mount inluing Usn L/Cs. Filitis on Short form for On Off Minimum Rs.2,000/- Annul Rviw F (on 0.1% to 1.0% Ngotil - sujt to Exposur & Tr Businss rout nnully on s to s sis, with th pprovl of Funtionl H. f Front n / Arrngmnt 1.50% Flt whrvr pplil t Bnk s isrtion g Not : i) Rnwl for shortr prios, proportiont f to rovr i.., 1/4th - 3 Months, 1/2-6 Months, n 3/4th - 9 Months ii) Mximum f of 1% will hrg in th sn of spifi pprovl for ru rt y Funtionl H. Pnl in s of ovru of FCIF, FAFB, FAPC, FIM, FATR, FCF, FCBP, IDP, ERF & IDBP Aitionl 4% will lvi ovr & ov th norml ommril mrkup rt gr. Not-: Exing Rs M s pr pprov rrngmnts with th ustomrs n pprovl of th Funtionl H / Comptnt Authority. Th ngotit hrgs shoul mntion in th Crit Proposl of th Customr. 3 Rstruturing & Rshuling 0.20% of rshul / rstrutur mount. on Trm Lons (DF/FAF) (No hrgs upto Rs.0.5 M). inluing ll typs of mortorium/ frmnts. Not: Wivr sujt to pprovl y Funtionl H n in th light of rit rting n usinss rltionship with th Customr. 4 Applition Prossing for Frsh, Enhnmnt, Rution of ll typs of limits Frsh / Enhnmnt / Drs / Rnwl upto Rs.40(M). (Funs Bs n Non Funs Bs) Fility Amount Up to Rs. 1 M - ov Rs. 1 M to Rs. 2 M - ov Rs. 2 M to Rs. 5 M 0.10% ov Rs. 5 M to Rs. 10 M 0.10% ov Rs. 10 M to Rs. 20 M 0.25% ov Rs. 20 M to Rs.40 M 0.20% Intrim Enhnmnt/Chngs/ On off / Tmporry Extnsions - Minimum Rs.1,000/- Rs.2,000/- Rs.3,000/- Rs.5,000/- Rs.25,000/- Rs.40,000/- Rs.2,000/- Not:- Ths hrgs r not pplil to th following tgoris: - ) Export Rfinn. ) Finns 100% sur y posits with our Bnk. ) All Stff Finns.

13 Pg 13 of 25 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription 5 Prim Ministr Youth Businss Lon - PMYBL Applition Prossing F Rs. 100/- Flt 6 Rplmnt of suritis unr Rs.2,000/- Flt lin with th Bnk (xpt t th tim of nnul rviw of filitis n othr thn our own Bnk s posits unr lin. C D E F 1 HBL EASY LOAN Applition Prossing F Annul Rnwl F Intrim Fility Enhnmnt Rs.1,000/- Flt - Fility siz upto PKR 1,000,000/- (Non-Rfunl, Pyl Upfront). Rs.2,500/- Flt - Fility siz ov Rs.1,000,000/- to upto Rs.5,000,000/- (Non-Rfunl, Pyl Upfront). Rs.5,000/- Flt - Fility siz ov Rs.5,000,000/- & lss thn Rs.50,000,000/- (Non-Rfunl, Pyl Upfront). Rs.15,000/- Flt - Fility siz Rs.50,000,000/- & ov. (Non-Rfunl, Pyl Upfront). Rs.1,000/- Flt - Fility siz upto PKR 1,000,000/- (Non-Rfunl, Pyl Upfront). Rs.2,500/- Flt - Fility siz ov Rs.1,000,000/- to upto Rs,5,000,000/- (Non-Rfunl, Pyl Upfront). Rs.5,000/- Flt - Fility siz ov Rs.5,000,000/- & lss thn Rs.50,000,000/- (Non-Rfunl, Pyl Upfront). Rs.15,000/- Flt - Fility siz Rs.50,000,000/- & ov. (Non-Rfunl, Pyl Upfront). Rs.1,000/- Flt - Fility siz upto PKR 1,000,000/- (Non-Rfunl, Pyl Upfront). Rs.2,500/- Flt - Fility siz ov Rs.1,000,000/- to upto Rs.5,000,000/- (Non-Rfunl, Pyl Upfront). Rs.5,000/- Flt - Fility siz ov Rs.5,000,000/- & lss thn Rs.50,000,000/- (Non-Rfunl, Pyl Upfront). Rs.15,000/- Flt - Fility siz Rs.50,000,000/- & ov. (Non-Rfunl, Pyl Upfront). All ommission/othr hrgs pplil on LG n LC filitis will s pr Shul of. Applil HBL SMALL BUSINESS FINANCE Applition Prossing 0.10% of th fility mount, Minimum Rs.5,000/- (On tim impli - Non-rfunl, Pyl Up-front ) Fility 0.10% of th fility mount, Minimum Rs.2,500/- (Pyl t th tim of fility ptn y ustomr) Annul Rnwl 0.05% of th fility mount, Minimum Rs.2,500/- (Non-rfunl, Pyl Up-front) Intrim Fility Enhnmnt 0.05% of th mount of xss rqust ovr pprov limits, Minimum Rs.2,500/- (Non-rfunl, Pyl Up-front) L/G Court/Custom Gurnts 0.50% pr Qurtr f LG (All othr Typs) 0.40% pr Qurtr g Lttr of Crit s pr Prt-A(-1) h Shipmnt Gurnt s pr Prt-K-1 i 5% of wightg vrg of lst qurtr it ln from u t till justmnt/sttlmnt of ovru mount. LEASING FINANCE ( Auto & Mhinry) Front n F Lgl Doumnttion 1.0% of th ls mount (Wivr sujt to pprovl y Funtionl H n in th light of rit rting n usinss rltionship with th ustomrs). (i) Rs.3,000/- Flt in h s (ii) Atul out of pokt xpnss (if First n Son hrg is rt) Commitmnt F (On 1/12 of 1% pr month or prt throf on un-isurs mount/ln strting 30 isurs mount / ln) ys ftr th t of pprovl. (Wivr sujt to pprovl y Funtionl H in th light of rit rting n usinss rltionship with th ustomr). Auto & Mhinry Ls for SMEs & Corport, 0.5% of mount of finn, Minimum Rs.6,000/- non-rfunl. F RURAL FINANCING PRODUCTION AND DEVELOPMENT Applition Prossing. Blow 500 K Rs.1,000/- Flt. Btwn 500 K - 1 M Rs.3,000/- Flt. Btwn 1 M - 5 M Rs.5,000/- Flt. Btwn 5 M - 10 M Rs.7,500/- Flt. Aov 10 M Rs.10,000/- Flt.

14 Pg 14 of 25 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription G OTHER CHARGES ON ADVANCES 1 For th issun of C on th rqust of ustomrs for rting itionl / pri-pssu hrg/ son hrg on thir fix ssts Rs.10,000/- Flt pr trnstion for quiring furthr projt finns from othr nks / finnil institutions. For th issun of C on th rqust of Customrs for rting hrg on thir urrnt ssts. Rs.10,000/- Flt pr trnstion Applil 2 Rmption of hrg f to rovr from prty whn Bnk offirs r ll for Rgistrr for rmption of th mortgg. Rs.2,500/- Flt pr proprty. 3 Vtion of Chrg/ Rls of Rs.1,000/- Flt pr s Chrg on Agri. Pss Book Rgistrtion with SECP & Atul Cost - Plus Rs.1,200/- pr s. Lwyr's hrgs for oth Privt & Puli limit ompnis whr hrg on urrnt or fix Assts is rgistr. Rgistrtion of hrg t Rgistrr's Offi for Prtnrship / Propritorship firms / Iniviul finns xing Rs.0.5 (M) for mortgg t rgistrr of Proprty offi. Atul Cost - Plus Rs.1,000/- pr s. For finns low Rs.0.5 (M) Atul Cost. Prtnrship / Propritorship / Iniviul orrowrs. 4 To mrk lin on suritis issu y othr institutions. 5 Colltion/Enshmnt of profit oupons on Govt. Svings Crtifits issu y othr Bnks/Sving Cntrs unr lin with us. 6 Rs.500/- Flt pr trip Rs.250/- Flt pr trip For finns ginst plg/ hypothtion. Goown Rnt. Atul Stok Insption. (i) Atul ill from outsi survyors to pi irtly iting ustomr's ount. (Hypothtion/ Plg) insption frquny s pr rit (ii)if insption rri out y Bnk Stff, hrgs will s unr:- pprovl n/or s pr rit For Avns Plg Hypothtion poliy. Up to Rs M Rs.200/- Flt Up to Rs M Rs.1,000/- Flt Rs.1,000/- Flt Up to Rs M Rs.1,500/- Flt Rs.1,500/- Flt Aov Rs M Rs.2,000/- Flt Rs.2,000/- Flt Not:- If uring sm prio, outsi Survyors inspt th goown, thn only tul Convyn hrgs shll rovr, in s of (ii) ov. In s of Muum (Mng Atul ill y Muum to pi irtly iting ustomr's ount. Plg) Not: - Ths hrgs r pr Customr for h plg sit. Othr inintl xpnss Atul Cost. (Insurn Prmium, Lgl hrgs) Not:- No hrgs in s of osionl surpris hking of goowns rri y Bnk's Exutivs / Extrnl n Intrnl Auitors.

15 Pg 15 of 25 Prt H 1 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription CONSUMER FINANCES Auto Lon 1.1 Applition Prossing F (Inlusiv of oumnttion hrgs) Rs.7,500/- Rs.3,750/- (For iniviuls pplying gin ftr 6 months or mturity of on fility or Sttlmnt ftr minimum 6 months) Inlusiv of: - Doumnttion hrgs - Vrifition - Stmp Duty - Crit Rport: Atul Upto Rs. 150/- Applil Erly Sttlmnt 1. Trmintion prior to livry of 10% of outstning mount t th tim of sttlmnt. 2. Trmintion ftr livry of 5% of outstning mount t th tim of sttlmnt. 1.3 Prtil Pymnt 1. Prtil Pymnt prior to livry of 10% of mount ing sttl. 2. Prtil Pymnt livry of 5% of mount ing sttl. 1.4 R-possssion. Atul or Rs.50,000/- whihvr is Lowr. 1.5 Lgl Noti F Atul Cost. 1.6 Lt Pymnt Rs.1,000/- pr lt pymnt Housing Lon / Mortgg Powr 2.1 Prossing hrgs Rs.6,000/- Inlusiv of: - Doumnttion hrgs - Vrifition - Stmp Duty - Crit Rport: Atul Upto Rs. 150/ Erly Trmintion/ 4% of Prinipl outstning Prtil 4% of Prinipl just. 2.4 Lgl Doumnttion Atul Cost. 2.5 R-possssion Atul or Rs.50,000/- whihvr is lowr. 2.6 Proprty Doumnt Vtting Atul Cost. 2.7 Insurn Atul Cost. Prsonl Lons 3.1 Prossing hrgs Slry Trnsfr : Topup : Dposit Bs : Rs.3,500/- or 1.25% of th lon mount whihvr is highr Nw to Bnk : Institutionl / Corport Sgmnt : Rs.3,500/- or 1.25% of th lon mount whihvr is highr As pr Agrmnt Erly 5% of outstning finn mount. 3.3 Prtil Pymnt Prtil Pymnt not llow 3.4 Lt Pymnt Rs.700/- pr lt pymnt HBL Crit Crs HBL CritCr HBL FulSvr Srvi 38%, 39% 38%, 39% pr nnum of Outstning pr nnum of Outstning BTF Srvi HBL Instllmnt Pln (HIP) Srvi Csh Avn 24% p. of Outstning BTF 24% pr nnum of Outstning HIP mount 36%, 39% p. of Outstning Csh Avn 24% p. of Outstning BTF 24% pr nnum of Outstning HIP mount 36%, 39% p. of Outstning Csh Avn Amount f Annul F Supplmntry F Rs.3,000/- Flt (Grn Crs) Rs.5,000/- Flt (Gol Crs) Rs. 8,000/- Flt (Pltinum Crs) Rs.1,500/- Flt (Grn Crs) Rs.2,500/- Flt (Gol Crs) Rs. 4,000/= (Pltinum Cr) g Monthly F (Bsi) Rs.250/- Grn Cr Rs.500/- Gol Cr h Monthly F (Supplmntry) Rs.125/- Grn Cr Rs.250/- Gol Cr i BTF Prossing Rs.500/- 3% of th trnsfrr Rs.500/- 3% of th trnsfrr mount, whihvr is highr mount, whihvr is highr j Lt F Rs.1,250/- Rs.1,250/- k Ovr limit F Rs.1,250/- Rs.1,250/-

16 Pg 16 of SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Applil Dsription l Vouhr Rtrivl F Rs. 1000/- Flt Rs. 1000/- Flt m Aritrtion for Disput Trnstions US$ 500/- or quivlnt PKR US$ 500/- or quivlnt PKR n Cr Rplmnt F Rs. 600/- Flt Rs. 600/- Flt o Csh Avn Issun F Rs. 750/- or 3% of mount withrwn Rs. 750/- or 3% of mount withrwn whihvr is highr whihvr is highr p q Prt I 1 Bnkr's Chqu Issun F Erly Pymnt for instllmnt pln Rs.500/- 5% of rmining Prinipl Bln Rs.500/- 5% of rmining Prinipl Bln r Forign 3% of Trnstion 3% of Trnstion Amount s Cr Convrsion F Rs.600/- Flt Rs.600/- Flt t Rturn Chqu Rs.1,000/- Flt Rs.1,000/- Flt u Dirt Dit Rjtion F Rs.750/- Flt Rs.750/- Flt v SMS Alrt Rs.100/- Flt pr month Rs.100/- Flt pr month w Hi Instllmnt Pln (HIP) Prossing /HIP Fs Rs.600/- Flt Rs.600/- Flt HBL Insurn Shm Crit Shltr 0.50% of outstning ln Crit Shltr Plus 0.073% of rit limit Inom Continution Pln- Rs.399/- Pr Month Pln A Inom Continution Pln- Rs.250/- Pr Month Pln B Totl Assurn - Pln A Rs.150/- Pr Month f Totl Assurn - Pln B Rs.260/- Pr Month g Tripl Hlth Csh Pln Minimum Rs.185/- n Mximum Rs.970/- pr month (vris oring to pln) h HBL Wllt Pln Rs.199 Pr Month i HBL Fmily Prott - A Rs.165 Pr Month j HBL Fmily Projt - B Rs.1,650 Pr Yr k HBL LifPlus - A Rs.250 Pr Month l HBL LifPlus - B Rs.325 Pr Month m HBL My Hlth Forvr Rs. 3,000 Pr Yr n Crit Shil Plus 0.79% of Totl Outstning Bln HBL Slry Plus Prossing hrgs 1% of ovrrft limit or Rs.2,500/- whihvr is highr Mrk-up Monthly Mrk-up of 2.5-3% pr month lssifition pr nnum 30-36% Annul Rnwl F 1% of ovrrft limit or Rs.2,500/- whihvr is highr STANDING INSTRUCTIONS CHARGES: Stning Orr/Bln Orr Rs.200/- pr trnstion xpt ution of lon instllmnts. hrgs will rovr in ition to norml rmittn hrgs. Amnmnt of Currnt Stning Orr Rs.200/- Flt Cnlltion of Stning Orr Rs.100/- Flt Prt J SALE & PURCHASE OF SECURITIES, SAFE CUSTODY OF ARTICLES IN SAFE DEPOSITS 1 Withrwl f on shrs n suritis hl in sf ustoy (to rovr t th tim of 0.25% up to Rs.10,000/- of th pi-up n f vlu (Minimum 0.125% on mount xing Rs.10,000/- of th pi-up n f vlu (Minimum Rs.170/-). 2 Withrwl f on Govt. Rs.10/- Flt pr srip. Minimum Rs.85/- Suritis. Whr shrs n/or suritis sol r from thos hl in sf ustoy, ithr ommission on sl of shrs n suritis, s shown ginst itm 1, or withrwl fs, s shown ginst itm 2 whihvr is highr, will hrg, ut not oth. 3 Hnling hrgs for onvrsion, rnwl, onsolition or suivision of Govt. Suritis. Rs.20/- Flt pr srip 4 F for vrifying n mrking lin Rs.500/- Flt pr s on Govt. Suritis issu y us t th rqust of thir prty.

17 Pg 17 of 25 5 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription Hnling hrgs for posit of shrs n othr suritis in sf ustoy mrk unr Lin for nking filitis:- Applil Iniviul shrs with vrifi Rs.500/- Flt Trnsfr D tth. Sl / Purhs of shrs suritis hl ginst nking filitis. Rs.500/- Flt pr trnstion. 6 for holing rr suritis in sf ustoy on hlf of ustomr ginst nking filitis. Rs.850/- Flt Rplmnt of suritis unr Rs.1,000/- Flt pr rplmnt lin to th Bnk. Artils in Sf Dposit- F for Artils in Sf Dposit (to rovr in vn t th tim of posit or t th ommnmnt of h qurtr). 7 Boxs n Pkgs Rs.5/- Flt pr 100 ui inhs or ny prt throf with Minimum of Rs.400/- pr qurtr. Envlops Rs.3/- Flt pr 25 squr Inhs or ny prt throf with Minimum of Rs.400/- pr qurtr. Sf Dposit Lokrs F (to rovr in vn n t th ommnmnt t yrly) Smll Rs.2,500/- Flt pr nnum. Mium Rs.3,500/- Flt pr nnum. Lrg Extr Lrg Cuil Lokr Rs.5,500/- Flt pr nnum. Rs.10,000/- Flt pr nnum. Rs.40,000/- Flt pr nnum. Lt pymnt f 10% of th pplil nnul lokr rnt with gr prio of 30 ys from th u t. Ky Dposit (Will pply t th tim of issun of nw lokr). Smll Rs.3,000/- Flt Mium Rs.3,500/- Flt Lrg/Extr Lrg Rs.5,000/- Flt Cuil Lokr Rs.50,000/- Flt Brking For Smll, Mium, Lrg & Rs.3,500/- pr Lokr or tul ost whihvr is mor. Extr Lrg Lokr Cuil Lokr Rs.6,000/- pr Lokr or tul ost whihvr is mor. Not:- In s lokr is rokn opn for non-pymnt of f n its ontnt r rtin with invntory in sprt lokr, whnvr th lokr holr(s) visits th Bnk for olltion of th itms, ll outstning f (with lt pymnt f) n rk-opning hrgs shoul rovr for th ontnts r livr. Prt K GUARANTEES 1 Gurnts issu in fvour of shipping ompnis in liu of Bills of Ling. Rs.2,000/- Flt 2 Gurnts issu in fvour 0.60% pr qurtr or prt throf. Colltor of Customs in liu 0.40% pr qurtr or prt throf for Finnil Institutions. pymnt of Dutis/ 0.30% pr qurtr or prt throf (if 100% Csh Mrgin or Lin ovr Trm / Sving Dposits). Minimum Rs.1,500/- to rovr. 3 Othr Gurnts 0.45% pr qurtr or prt throf Minimum Rs.1,500/- (ii) If sur ginst 100% Csh Mrgin, 0.40% pr qurtr or prt throf Minimum Rs.1,500/-. (iii) Not:- In s th vliity of gurt is on yr or mor, thn LG ommission shoul hrg t prsri pplil rt, Minimum Rs.1,500/- nnully. (iv) Not: - For opn-n Gurnts, Commission to rovr on Annul Bsis s pr (i) or (ii) ov, s pplil or s pr pprovl of omptnt uthority.

18 Pg 18 of 25 4 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription Cross Borr Bk-to-Bk (i) 0.45% pr qurtr or prt throf, Minimum USD 150/-. Gurnts inluing Prformn (ii) Commission on gurnts issu ginst Countr Gurnts / Stny L/Cs is Bons, Bi Bons, Avn trmin s on issuing Bnk/ Country & Vlu / Tnor of th Instrumnt, Pymnt Gurnts issu Minimum USD 150/-. Ths will pprov on s to s sis y ginst Countr Finnil Institutions - Glol Tr Srvis (FI-GTS). gurnts/stny Lttr of Pls rfr Not No.7 (Lst Pg) Crit (SBLC) of Forign Bnks/ Finnil Institutions of Ovrss Brnhs. Applil Avising for Gurnts or SBLCs issu y th Forign Bnks/ Finnil Instutitions or Ovrss Brnhs (i) (ii) If vis without ny risk & rsponsiility Not: Th similr rt will pply in th ss of vising of susqunt mnmnts. Clim hnling hrgs shll not pply xpt ommunition ost s prsri unr K(4). If vis uly with Confirmtion US $ 60 or quivlnt in othr urrnis Rts s pr K 4 ( ) will pply Brnhs r vis to inlu th tul ost of Stmp Ppr, Courir / Swift t. whil liming th mount of ommission from th Corrsponnt Bnk on whos hlf th Gurnt is ing issu. 5 Clim Hnling on Gurnts issu on hlf of Forign Corrsponnt 6 Consortium / Synit Gurnts (i) Rs.2,000/- Flt or quivlnt in FCY. (ii) Communition osts Rs.1,500/- Flt or quivlnt in FCY As pr trm sht pplil for th ntir Synit mmrs. Not: - All gurnts issu y nks (xpt gurnts issu unr onsortium/synition) must ontin spifi mount n xpiry t n t y whih th lims r to log. Commission to hrg from th t of issu till xpiry of th lim logmnt t. In s of th for liility rt on invotion of nk gurnts, (xpt Countr Gurnts or Stny Lttr of Crits of Forign Bnks) mrk up t Commril rt / Approv Customr Lning rt, on ily prout sis will rovr from th t of invotion of th gurnt until omplt justmnt of th for lon & ny othr hrgs, if pplil. Aministrtiv f for xpir (i) Rs.2,000/- Flt to rovr on hlf yrly sis or on prort sis if rturn gurnt until originl instrumnt rlir. is not yt rturn to us. (ii) In s of 100% sh mrgin, no Aministrtiv F will rovr. This f shll lso not pply on th ss s prsri unr K (4). (iii) Aministrtiv F my wiv on vry xptionl sis with th pprovl of Funtionl H. Not: Norml Commission shll hrg if lim is log within th vliity of L/G, othrwis Aministrtiv Fs shoul hrg. Amnmnt Rs.1,200/- Flt pr mnmnt or ommission t th rt spifi ov if mnmnt involvs inrs in mount or xtnsion in prio, whihvr is highr. 1 Prt L Th Bnk rsrvs th right to hrg iffrnt rts on th sis of volums n surity offr sujt to prior pprovl y onrn sntioning uthority. MISCELLANEOUS CHARGES Minimum Bln Rlt Srvi on following Rs.50/- Flt, to rovr on monthly sis. Aounts whr Minimum monthly vrg ln is lss thn:- Rs.5,000/-for Currnt Aount Rs.10,000/- for Vlu Aount Rs.20,000/- for Dily Progrssiv Aount & Rs. 20,000/- for Dily Munf A/ 2 Following tgoris of Aounts r xmpt from rovry of Srvi 1) A/s of mploys of Govrnmnt/Smi-Govrnmnt institutions inluing Arm Fors Employs/Pnsionrs opn for slry n pnsion purposs inluing wiows/hilrn of s mploys ligil for fmily pnsion/ nvolnt fun grnt t./ snior itizns or physilly hnipp. 2) Aounts of Musthiqn of Zkt. 3) Aounts of Stunts. 4) Aounts of Ds. 5) Lon srviing ounts (spilly opn to filitt rpymnt of Consumr / Agriultur Lons). 6) Aounts in Intiv n Unlim tgoris. 7) Aounts of Shool Mngmnt Committ (SMCs) uly onstitut y Eution Dptt, Govt. of Sinh. 8) Nomint ounts ginst ll typs of Trm Dposits. 9) Rgulr Sving Aounts. 10) Spil Non-Chquing Aounts of Exportrs (Aount Typ-CP). 11) HBL id Aounts. 12) HBL Mony Clu Aounts. 13) Prs Cr Aounts. 14) work. 15) HBL Rut Aounts. 16) HBL Asn Aounts Srvi on FC Svings & FC Currnt A/s, whr Minimum monthly vrg ln is lss thn:- i US$ 1,000/- US quivlnt of Rs.50/- Flt, to rovr on monthly sis. ii 800/- quivlnt of Rs.50/- Flt, to rovr on monthly sis. iii 120,000/- quivlnt Rs.50/- Flt, to rovr on monthly sis.

19 Pg 19 of 25 SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription iv 700/- quivlnt Rs.50/- Flt, to rovr on monthly sis. 3 Trnstion on Vlu Rs.50/- pr it trnstion to hrg if mor thn 2 ustomr initit it Aount & Bsi Bnking trnstions r m uring lnr month xpt withrwls m through Aount ATM's n systm gnrt it trnstions. Applil Not: Wivr from Trnstion will llow on Aounts longing to tgory of ustomrs, who r xmpt from Srvi s pr Prt-L, 1() Trnstion hrgs on Dily Progrss Aount Chrg of Rs.50/- pr it trnstion will lvi n rovr ily n this will in ition to norml hrgs (if ny) pplil on th prtiulr srvi (i.. Bnkr's Chqus) ut xluing systm gnrt it trnstion. HBL From Aount Fr Trnstionl Srvis on From Aount (s list in th prout fturs). For th month in whih tul ln is low Rs.25,000/- vn for y, umuliv trnstions Rs.50/- pr trnstion will pplil in lump sum t month n on ll ustomr initit Dit Trnstions uring th month n it will uto rovr y th systm. Trnstion on HBL Asn Aount Rs. 50/- pr it trnstion to hrg if mor thn 4 ustomr initit ovr-th- ountr it trnstions r m uring lnr month, xpt withrwls m through ATM's n systm gnrt it trnstions. f Prstig Aount (ount lvl) Aount Downgr on Prstig A/ Prstig Aount r PKR 1,500 pr month whih is wiv on mintnn of ount ln t Currnt / PKR 1 million Svings / PRR 2 million Currnt / & TD omin / Svings / & TD omin is Rs. 3 million FCY / USD 20,000 FCY / EUR 20,000 FCY / GBP 15,000 Convrsion from Prstig to norml ount PKR 1,500/- Chqu Book & Chqu Rlt 4 Chqu Book Issun Rs.15/- Flt pr lv to rovr t th tim of issun of Chqu Book for PLS- SB Aounts n Rs.10/- Flt pr lv for ll othr Chquing Aounts. Not: From Aount, HBL t Work, Brnhlss Bnking, Rut Aount & Mony Clu Aount Holrs r xmpt from ths hrgs. 5 Stop pymnt of hqu (i) Rup A/ Rs.400/- Flt pr instrution Not:- (1) Stop pymnt hrgs r to lvi on tim for stop pymnt instrutions whthr it is for on or mor hqus. (2) Stop Pymnt r pplil on From Aount & HBL t Work Aount. 6 on hqus rturn in Inwr Clring/Colltion to rovr from Customrs issuing th Chqus with in-suffiint lns in ount or for ny othr rson. "u to fult of ustomr" (ii) F.C. A/C (i) Rup A/. (ii) FC A/. US$ 10/- or quivlnt Flt pr instrution Rs.400/- Flt pr hqu US$ 5/- or quivlnt Flt pr hqu 7 Originl pi hqus rturn to ustomr ftr 6 months (t ustomr rqust) Rs.200/- Flt pr hqu. 8 Ovr th ountr sh hqu rturn u to insuffiint ln (i) Rup A/. Rs.200/- Flt pr hqu 9 Photoopy of th pi hqus forwr to Customrs. 10 Dlivry of Chqu Book y Rgistr Mil/ Courir (i) Up to On yr Rs.50/- Flt Pr hqu (ii) Aov on yr up to fiv yrs Rs.200/- Flt Pr hqu 11 Issun of SBP/NBP hqus Rs.500/- Flt pr hqu (to rtin y th originting Brnh) 12 Sttmnt of Aount snt on Rs. 1,000/- Flt pr month Dily sis through Swift Mssg MT Duplit Sttmnts for ll typs of ounts, on rqust from ustomr. (iii) Aov fiv yrs Rs.150/- Flt Aount Sttmnt & Crtifit Rlt Rs.35/-Flt, pr sttmnt Not: HBL t Work Aount is xmpt. Rs.500/- Flt Pr hqu 14 Monthly Bnk Sttmnt Rs. 400/- pr nnum. 15 Duplit Bnk Crtifit for th purpos of Vis, Inom tx t. Rs.300/- Flt pr rtifit 16 Ovrss Employmnt Crtifit. Rs.300/- Flt pr rtifit

20 Pg 20 of SCHEDULE OF BANK CHARGES (EXCLUSIVE OF ) EFFECTIVE FROM Dsription Crit Informtion Rport / Opinion. Crit Informtion rport / opinion Rs.500/- Flt provi lolly to Bnks / Othr Orgniztions (Emssis t). Applil Not:-Plus Postg / Courir / Fx will rovr s pr Prt 'O' s pplil. Aount Trnstion (s) & Bln Rlt 18 For ny nquiry rqust y ustomr yon 3 yrs rlting to trnstions on his ount. Rs.1,000/- Flt 19 Closur of Aount. Fr 20 Hnling of pymnts/ lns from s ounts ginst Sussion Crtifit 21 Confirmtion of lns to Auitors. Rs. 500/- Flt Rs.500/- Flt Shrs, Divin & DSC / SSC / NIT Rlt 22 on Divin Wrrnts 0.60% of totl Divin Wrrnt pymnt mount - Minimum. Rs.10,000/- rovr from ivin (Ngotil on s to s sis n to pprov y Funtionl H) lring ompnis). Not:- i) Bnk my wiv hrgs to Customrs positing full Divin mount in vn or Rs.50 (M) whihvr is lss in Divin Aount for pymnt of Divin Wrrnts. Ii) In s DWs r not print through Printr rfrr y th Bnk n susquntly it is foun tht th DWs r rjt y NIFT whil prossing for pymnt, tul hrgs of NIFT pplil on Non-Stnr Instrumnts will rovr from th Compny. 23 Shr Flottion/TFCs issu hrgs 25 Issun of DSC/SSC/NIT on hlf of Govrnmnt of Pkistn. (i) 0.5% of ggrgt sussful susription mount riv through our rnhs or Ngotil - to pprov y th Funtionl H (to pi y th ompny to Shr Flottion Dprtmnt). (ii) Out of pokt xpnss Rs.25,000/- (iii) Hnling hrgs Rs.15/-pr shr rtifit(pi y th ompny to Shrs Flottion Dprtmnt for ispth of shrs rtifit through us) 24 Issun of Right Shrs. (i) 0.5% (sujt to ngotition of rt s on volum of usinss to pprov y Funtionl H). (ii) Out of pokt xpnss Minimum Rs.25,000/- As prsri y Govt. Utility Compnis n Utility Bills rlt 26 Utility Bills Commission Rs.8/- pr ill. 27 on Intrity trnsfr of funs prtining to Utilitis Compnis. Othr Srvis to BISE / Univrsity:- Eltriity Sui Gs Tlphon Wtr Slling of mission forms / jo pplition forms. To provi print hllns. Othr Srvis to BISE / Univrsity:- Sf kping of qustion pprs & nswr opis. Dlivry of qustion pprs to xmintion ntrs using Bnk's trnsport. As pr grmnt with Utility Compnis. CDGK Utility Rs.10,000/- pr Brnh pr Exm. Cn wiv with th pprovl of Funtionl H Not:- (i) Clrifition hs n onvy vi HOK Cirulr: P/INST/2474 t whry s pr SBP instrutions, ll rnhs r rquir not to hrg Chlln Colltion Fs in s of B.I.S.E / Univrsity / Shool & othr suh typ of Colltion Aounts. (ii) No srvi hrgs shll rovr from stunts positing f irtly in th F Colltion Aount of th utionl institution s pr HOK Cirulr No. P/INST/2968 t August 19, Slry / Pnsion Disursmnt & Vis Colltion F rlt 28 Slry Disursmnt.* Rs.25/- Flt pr A/ pr month from A/ holr whr slry is rit or s pr grmnt with th prinipl. *Following tgoris of ounts r xmpt from rovry of Slry Disursmnt. Aounts of mploys of Govrnmnt / Smi-Govrnmnt Institutions mintin for slry n pnsion purposs. Aounts of Arm Fors Employs / Pnsionrs. Rgulr Svings Aounts. Bsi Bnking Aounts (BBA).