Contents. Description. Page# 01.

Transcription

1 Schedule of January June 2014

2 Contents S.# 01. DOMESTIC BANKING Description A. Remittances B. Bills C. Project Finance/Advances/UBL Business Line D. Sale / Purchase of Securities, Custody of Articles in Safe Deposit & Safe Deposit Lockers E. Guarantees F. Local Trade Business G. Miscellaneous Page# UBL Signature Priority Banking 1516 Bank for Government Business Branchless & EBanking Consumer Banking 2329 INTERNATIONAL BANKING A. Imports 32 B. Exports 3334 C. Remittances 3536 D. Miscellaneous 3637 Communication General Important Notes 37

3 DOMESTIC BANKING DOMESTIC BANKING 01

4 02 DOMESTIC BANKING Particulars A. REMITTANCES 1) Cashier's Cheque/Corporate Bankers Cheque CBC a) Issuance of Cashier's Cheque / CBC Through Account Through Cash (For non account holder) Rs. 200/ (flat) Up to Rs.100K Above Rs.100K b) Cancellation of Cashier's Cheque /CBC Rs. 500/ (flat) Rs. 1000/ (flat) For Account Holders Rs. 300/ (flat) For Non Account Holders Rs. 500/ (flat) c) Issuance of Duplicate Cashier's Cheque /CBC Same as 1(a) above d) Issuance of instrument for payment of fees/dues in favor of Educational Institution HEC/Board etc. 0.50% of fee/dues or Rs.25/ per instrument whichever is less.( are inclusive of Sales Tax/FED) 2) Inter Branch Online Transactionsboth Within City & Intercity No service fee shall be charged from students depositing the amount of fee directly in the fee collecting account a) Cash Deposits ( are to be recovered from the Depositor) i) Within City ii) Intercity b) Online Funds Transfer in PKR (Account to Account transfer within UBL) ( are to be recovered from the remitter) i) Within City ii) Intercity 6) Duplicate SDR / TDR / FDR Issuance 7) Rupee Travelers Cheques a) Issuance of Rupee Travelers Cheques b) Refund in Lieu of Lost Rupee Travelers Cheques 0.10% or Min Rs. 300/ whichever is higher 0.10% or Min Rs. 350/ whichever is higher 0.10%, Min. Rs. 150/ Rs. 500/ per application c) Inter Bank Funds Transfer IBFT via Rs. 300/ (flat) Branches and Contact Centre (through 1 Link within Pakistan only; charges are to be recovered from the remitter) d) Cash Withdrawals ( are to be recovered from the Beneficiary) i) Within City ii) Intercity 0.20% or Min. Rs. 350/ whichever is higher 1015 e) UBL Cheque Deposit ( are to be recovered from the Presenter) i) Same branch (within City) ii) Different branch (Intercity) 0.10% or Min Rs. 350/ whichever is higher 3) Inter Branch (A/c to A/c) Foreign Currency Funds Transfer ( to be recovered from Remitter) a) Within City b) Intercity Minimum USD 5/ GBP 3/ EURO 4/ AED 20/ SAR 20/ or 0.10% whichever is higher 4) DD/MT/PO Cancellation Rs. 500/ (flat) ) Issuance of SDR (Security Deposit Receipt) Through Account Through Cash Rs. 1000/ (flat) Rs. 250/ (flat) The Inter Branch (account to account) Foreign Currency Funds Transfer facility is available in all CBS branches.

5 Particulars 2) Purchase of Bills: a) Documentary other than those drawn against Letter of Credit b) Other cheques / demand instruments (like Dividend Warrants) 03 DOMESTIC BANKING 0.40%, Min Rs. 800/ plus markup from the date of purchase to the date of payment. (Plus Communication ) 0.60%, Min Rs.250/ (Plus Communication ) In addition to above, commission/service charges, courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) In addition to the charges above, all applicable Government levies will also be recovered. negotiable on case to case basis under approval of relevant Business Head / Divisional Head. For. Inter Branch Online transaction, OBC charges would not apply. Where Online system is down, remittance may be sent by other means but Inter Branch Online Transactions charges will be recovered See Page 12 & 13 for waivers on Business Partner and Business Partner Plus Account. ISB/Rwp, Chenab Nagar (Rabwah)/Chiniot and Khusab/Jahurabad are to be treated as twin cities & all online transactions should be treated as within city. negotiable on case to case basis under approval of relevant Business Head / Divisional Head. B. BILLS 1) Clean (including cheques / dividend warrants/ 0.25%, Min. Rs. 250/ Bank Drafts/ beyond NIFT/ OBC Centers/ Max Rs. 10,000/ APC etc). Intercity Clearing Rs. 300/ (flat) In case urgent collection of Local cheque of Rs mln and below, additional charges of Rs. 200/ per collection and above Rs mln, additional charge of Rs 300/ per collection is to be recovered. Postage / Courier charges are to be recovered on collection / realization of each instrument (whether clean or documentary). However, in case where party has deposited more than 1 cheque instrument on particular date to be collected /drawn on the same branch of the bank, postage / courier charges are to be recovered only once. Collecting agent's charges, if the collecting bank is other than the bank, will also be recovered. Communication charges will be recoverd, if fate of the instrument is asked for by telephone. No charges, if branch is situated within a radius of 25 km as it will be treated as a local branch or within catchment area of NIFT if clearing is handled as a local clearing. OBC charges only to be collected where cheques are physically lodged in collection. c) i) Returning charges for documentary /clean collections from payee account in case the instruments are returned unpaid For PKR Account For FCY Account ii) Returning charges for documentary / clean collections from drawer account in case the instruments are returned unpaid For PKR Account For FCY Account d) Markup shall be applied as under on bills purchased / negotiated i) If retired upto 21st day from the date of purchase ii) If retired during next 210 days Rs. 500/ per transaction USD 10/ or equivalent per transaction Rs. 500/ per transaction USD 10/ or equivalent per transaction 54 paisa per Rs.1,000/ per day on actual finance. 54 paisa per Rs. 1,000/ per day plus Bank s paisa per Rs. 100/ e) Storage charges i), if cleared within 3 days of its receipt by the branch. ii) Rs. 2/ per packet per day, Min Rs.100/ In addition to above, commission/service charges, courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable Government levies will also be recovered.

6 Particulars C. i) PROJECT FINANCE /ADVANCES Following charges may be recovered in addition to interest / markup / return on investment DOMESTIC BANKING 1) Fee and charges in respect of Project Financing a) Project evaluation / Appraisal fee On case to case basis as per agreement with the party b) Commitment fee (on undisbursed balance) from the date of sanction to the date of disbursement (on fund based commitment only) c) Legal documentation fee for Trade Related / Project Finance d) Trusteeship fee (to be recovered by the lead bank in case of consortium financing) On case to case basis as per agreement with the party. On case to case basis as per agreement with the party. On case to case basis as per agreement with the party. e) Restructuring and Rescheduling fee On case to case basis as per agreement with the party. f ) Restructuring and Rescheduling fee for SAM related projects 2) Evaluation charges of property for security Purpose 3) NonRefundable Processing Fee for SME / Commercial Advances including Funded and NonFunded Facilities On case to case basis as per agreement with the party. At Actual Upto Rs. 1 min Fresh / enhancement / renewal CA Rs. 5,000/ 0.7% of facilities amount, whichever is higher. Above Rs.1 min and upto Rs.100 mln Above Rs. 100 mln 4) For finance against pledge / hypothecation: Fresh/ enhancement/ renewal CA Rs. 7,500/ or 0.05% of facilities amount, whichever is higher a) Godown Rent At Actual b) Godown staff salaries of Godown Keepers / At Actual Chowkidar. c) Godown Inspection Shall be credited to Bank's Income Account i) Within municipal limits or within a radius of 10 kilometers from the branch Stock Value Upto Rs.1 mln Stock Value Above Rs.1 mln to 5 mln Stock Value Above Rs.5 mln to 10 mln Stock Value Above Rs.10 mln Negotiable with subject to a minimum of Rs. 50,000/ Rs.200/ Rs.500/ Rs.1,000/ Rs. 2,000/ Plus actual conveyance charges (Max. one visit per month) ii) Outside the above limits T.A. & D.A. as per rules Applicable to staff only in addition to charges at c (i) above 04

7 Particulars iii) Seasonal lending (cotton, rice etc.) Stock Value Upto Rs.5 mln Stock Value Above Rs.5 mln d) Delivery i) If a Godown Keeper is not posted, conveyance charges will be recovered ii) Directors search / charge search / local credit report / independent stocks verification / independent credit report / assets valuation e) CIB Report i) For Individual ii) For Corporate Entities f) Other Incidental Expenses: Insurance Premium, Legal etc. g) Handling charges on marking of lien on Govt. Securities h) Marking of lien on securities issued by UBL for other banks DOMESTIC BANKING Rs.300/ Rs.500/ Plus T.A. & D.A. as per rules. Applicable to staff only At Actual Rs.100/ (flat) Rs. 300/ (flat) At Actual 5) Other on Advances a) For the Issuance of NOC on the request of Rs.10,000/ (flat) per customers for creating additional/ paripassu transaction charge/second charge on their fixed assets for acquiring further project finance, finances from other banks/financial institutions. b) For the Issuance of NOC on the request of customers for creating charge on their current assets. 6a) Redemption of charge fee to be recovered from the party when bank officers are called before Registrar for redemption for the mortgage. Rs.10,000/ (flat) per transaction Rs.2,500/ (flat) per property b) Vacation of Rs.1,000/ per property a) Registration with SECP & Lawyer's Actual plus Rs. 1,000/ per charges for both Private & Public limited case companies where charge on current or fixed assets is registered b) Registration of charge at Registrar's office. For Partnership/Proprietorship firms/ Actual plus Rs. 1,000/ per case individual finances exceeding Rs (M) for mortgage at registrar of Property office 8) Agri Proposal Processing Fee on Booking of New Customers/Fresh Facility or Enhancing the Limit At Actual i) Rs.1,000/ for Fresh Farm Loans/Enhancements of limits up to Rs.1 mln ii) Rs.2,000/ for Fresh Farm /Enhancements of limits exceeding Rs.1 mln iii) Rs.3,000/ for all Non Farm limits (Fresh / Renewals / Enhancements) Rs.500/ (flat) per customer Rs.500/ (flat) per customer In addition to above, commission/service charges, courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable Government levies will also be recovered (Form Credit / Loan), 2023 (Non Form Credit / Loan) 05

8 Particulars C. ii) UBL BUSINESSLINE 1) Processing 2) Appraisal DOMESTIC BANKING 5) Late Payment 2% on outstanding principal, if not specified ) Property Insurance As specified in the loan documents, or actual (max of 3%) if not specified ) Life Insurance Optional. As per the rate quoted by the Insurance Company. 08) Default due to lack of funds on standing instructions As per the loan documents, or Rs. 5,000/(nonrefundable), if not specified As per the loan documents, or Rs. 4,000/ (nonrefundable), if not specified 3) Legal As per the loan documents, or Rs. 4,000/ (nonrefundable), if not specified 4) Income Estimation As per the loan documents, or Rs. 5,000/ (nonrefundable), if not specified As per the loan documents, or Rs. 2,000/ if not specified 09) Refund via cashier s cheque (CC) Regular CC charge as per page no. 2, Item No. 1 (a) will apply for all consumer refunds. 10) Line Renewal As per the loan documents, % of credit line or Rs. 5,000/ whichever is higher, if not specified These are quoted by the vendor & are subject to change. In addition to above, commission/service charges courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable Govt. levies will also be recovered including Sales Tax/ FED D ). SALE AND PURCHASE OF SECURITIES, SAFE CUSTODY ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS 1) Refund to unsuccessful applicants for IPOs a) For A/c holder b) For non A/c holder 2) Sale / purchase of shares and securities 3) Shares / securities held in safe custody (to be recovered on quarterly basis) 4) Withdrawal fee on shares and securities held in safe custody (to be recovered at the time of withdrawal) A/c Credit Same as Cashier's Cheque (Ref page No.1,( 1a ) Rs. 500/ flat per transaction Rs. 850/ flat % upto Rs.10,000/of the paidup or face value Min Rs.50/ and % on amount exceeding Rs.10,000/ Min Rs.100/ 5) Withdrawal fee on Govt. Securities Rs.10/ per scrip, Min. Rs.75/ ) for collection of interest / return / dividend 0.30% on amount of interest /return dividend collected/ paid Min Rs.20/ plus out of pocket expenses Rs. 8,000/ 06

9 Particulars DOMESTIC BANKING 7) Stop payment per Dividend Warrant Rs.150/ flat ) NIFT charges on the Dividend Warrant 9) Handling charges for conversion / renewal / consolidation or subdivision of Govt. securities No NIFT charges if MICR codes are on the Dividend Warrant otherwise Rs.10/ each Rs.20/ per scrip ) Public flotation of shares / Modaraba Certificates 1.0% of / Offer for sale of shares / Disinvestment / Term total amount of successful Finance Certificates applications plus out of pocket expenses, Min. Rs.25,000/ (subject to negotiation of rate based on volume of business) 11) Issue of Right shares 0.50% on aggregate amount of successful applications, plus out of pocket expenses, Min. Rs.20,000/ (subject to negotiation of rate based on volume of business) 12) Articles in safe deposit Envelopes i) Boxes & Packages Rs. 5/ flat per 100 cubic inches or any part thereof with a minimum of Rs. 400/ per quarter. ii) Envelopes Rs. 3/ flat per 25 square inches or any part thereof with a minimum of Rs. 400/ per quarter. 13) Lockers Safe deposit lockers fee to be recovered in advance at the commencement of the period a) Small Medium Large Extra Large Annual fee 2,500/ 3,500/ 5,500/ 7,500/ Key Deposit (One time only) 3,000/ 3,500/ 4,000/ 5,000/ b) Late payment charges (plus over due yearly rent) *Late payment charges will be recovered once annually after rent is overdue for more than 30 days c) Breaking 14) Investor Portfolio Securities (IPS) Account Domestic Clients a) Custodial b) Transaction (Sale & Purchase) 10%* of the applicable annual locker rent every year Rs 3,500/ (flat) per Locker or at actual, whichever is higher c) Security Movement/Transfer d) IPS Statement Quarterly On Demand Rs. 100/ per statement 15) Investor Portfolio Securities (IPS) Account International Clients (SCRA) a) Custodial Upto Rs.100/ mln 0.05% p.a. per issue Above Rs.100/ mln 0.025% p.a. per issue b) Primary Market Participation Fee 5 bps per transaction c) IPS Statement d) Security Movement/Transfer Quarterly On Demand Rs. 100/ per statement Rs. 500/ per transaction

10 Particulars E. GUARANTEES 1) Guarantee issued to shipping companies in lieu of Bills of Lading / Endorsement of Airway Bills 2) Guarantees secured by cash margin / lien over deposits 3) Consortium / Syndicate Guarantees 4) Other Guarantees Where total volume of guarantees being issued on behalf of customer during a calendar year is: (a) Upto Rs.25 mln (b) Rs.50 mln (c) Rs.100 mln (d) Over Rs.100 mln 5) a) Back to Back guarantees including issued against counter guarantee of Foreign correspondent bank and Performance Bonds, Bid Bonds, Advance Payment Guarantees, etc. b) Counter Guarantee issued by us for guarantee issuance abroad 08 DOMESTIC BANKING Rs.1,500/ (flat) SGT 0.50% per quarter or part thereof, Min. Rs.500/ As per Term Sheet applicable for the entire Syndicate members (Quarter will start from the date of issuance of Guarantee) 0.50% per quarter or part thereof 0.40% per quarter or part thereof 0.35% per quarter or part thereof Negotiable (see note below) Minimum Commission Rs.2,000/ per annum per Guarantee or Rs.600/ per quarter wherever Guarantee validity is less than one year. may be waived against 100% cash kept in Margin Account As per Other Guarantees, Clause 4, above (commission subject negotiations with clients and correspondent arrangements) Min USD 100 In addition to above, commission/service charges, courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable Government levies will also be recovered MO2 / MO BGC BGC As per Other Guarantees, BGC Clause 4, above (commission subject to negotiations with clients and correspondent arrangements) Min. 100 USD 6) Amendment Rs.1,200/ per amendment (flat) or commission at rate specified above if amendment involves increase in amount or extension in period. Incase of back to back Guarantee: USD 75 or commission at rates specified under item 5 (a) and (b) above, if amendment involves increase in amount or extension in period BGC 7) Service charges for handling claims lodged by beneficiary a) Guarantees issued at customer's request within Pakistan b) Guarantees issued at request of foreign banks / back to back c) Guarantees issued by banks abroad at our request Rs 1,800/ (flat) USD 120 (flat) or equivalent USD 120 (flat) or equivalent BGC

11 Particulars F. LOCAL TRADE BUSINESS 1) Local Imports LC a) Inland Letters of Credit issuance b) Inland LC Amendment charges i) LC Issuance ii) Amendment Issuance 09 DOMESTIC BANKING Upto 0.4% per quarter or part thereof Min Rs. 2,200/ Rs.1,500/ (flat) per transaction plus commission as per item a) above if increase in amount. Min. Rs.2,000/ or actual whichever is higher Min. Rs.1,000/ or actual whichever is higher The Bank reserves the right to charge different rates on the basis of volume and security offered subject to prior approval by concerned sanctioning authority. In addition to above, commission/service charges, courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable Government levies will also be recovered. c) Swift LOC AMC SWF d) Duplicate Advices Rs.350/ per duplicate advice e) Sales Tax/ FED invoice certificate Rs.1,000/ per certificate f) Inland LC Cancelation 2) Local Import Bills a) Sight Bills i) Collection charges for Inland LC / Restricted LC & Handling of Inland Import Documents against PAD Bill (Sight Bill) ii) Retirement of Bills If retired within 3 days from the date of lodgment in PAD If retired after 3 days from date of lodgment in PAD b) Usance Bills Rs. 1,500/ (flat) per bill 60 paisa per Rs.1,000/ per day from the date of negotiation Plus Bank 0.25% on the PAD amount (net of margin) created 65 paisa per Rs. 1,000/ per day from the date of negotiation plus Bank s 0.25% on the PAD amount created LCN HDC XCB i) Collection 0.40% per bill Min. Rs.1,500/ RT1 ii) If bill matures after expiry of LC e) Handling of Inland LC Documents with discrepancies under b) i) plus delivery of documents against acceptance 0.10% per month on bill amount realization from the date of expiry of LC LEC c) Payment of Bill drawn under Inland LC Payment commission; POC Rs.600/ (flat) d) Inland LC Documents Returned Unpaid Rs. 3,000/ (flat) plus swift HDC charge Rs. 1,000/ flat & Communication charges f) Issuance of Business Performance Certificate of Previous Years at the Customer s Request Rs.2,000/ plus swift charges Rs.1,000/ flat & communication charges Rs. 3,000/ (flat) plus swift charge Rs. 1,000/ flat & Communication charges Rs.3,000/ (flat) per certificate DEC

12 Particulars 3 a) In Land Export LC Advising i) LC Advising ii) LC Amendment Advising iii) Postage/Courier for LC & Amendment Advising iv) Inland LC Confirmation charges d) Duplicate Advices 10 DOMESTIC BANKING As per FIG arrangement b) Collection of Documentary Bills drawn 0.40%, Min Rs 1,000/ SCH under inland i) Above, markdown for every 15 days from the date of purchase till the date of maturity ii) If discounted later on, marked down rate to be obtained from treasury through business 0.90%, Min Rs 1,000/ c) Documentary bills drawn against Inland Letter of Credit Sight bills i) Negotiating End 0.50% Min EMU Rs. 1,000/ Plus markup as per DAC or approved by Group / Business Head from date of Negotiation till realization. (Regular Bill period / tenor may be defined 07 days or 12 days whichever agreed by all stakeholders) ii) Collection charges for inland LC / Rs. 1,000/ (flat) per bill restricted LC iii) If negotiation is restricted to some other bank iv) Postage/Courier for LCs & Amendments Advising e) Sales Tax/ FED Invoice Certificate f) Negotiation of documents drawn under Inland sight Letter of Credit. If proceeds not realized / credited to our customer's account within agreed period ( i.e. 7 days / 12 days) then overdue markup is applicable to customer Rs.1,200/ (flat) Rs.800/ (flat) Rs.150/ (flat) Rs. 500/ (flat) per bill will be charged by the forwarding branch Rs. 150/ COU/ CO1 Rs. 250/ per duplicate advise Rs. 1,000/ per certificate If Realized after agreed EMU period / tenor as mentioned above then overdue ps per Rs. 1,000/ per day to be charged or as per DAC (if mentioned) or approved by concerned Group/ Business Head g) Documentary collection (drawn against LC) 0.4% Min Rs. 500/ Plus communication charges h) Documentary collection other than those drawn against LC) i) Negotiation (Usance) (Delayed Realization) If payment of inland/local bills realized within 03 days, no markup to be charged. Incase proceeds not realized/credited to our customer A/c within 03 days from the date of the maturity till its adjustment than markup is applicable to our customer's NICF facility or as per special approval by the competent authority In case of no NICF facility is available to the than markup will be charged j) Export LC Cancellation Rs.1,500/ plus swift charge CAN Rs. 1,000/ flat & communication charges 4 ) Clean Bill services/document handling charges 5 ) Clean Bill delayed realization 0.4% Min Rs. 500/ Plus communication charges Markup rate@ 60 paisa per Rs. 1,000/ per day to be charged 0.10%, Min Rs. 500/ Mark up paisas per Rs. 1000/ per day to be charged ADC ADA COU ELC EMU In case forced PAD is created due to non payment on maturity against DA LC, 0.50% is to be charged (once only) on the amount (net of margin) for which FPAD is created in addition to 60 paisa PTPD (or as revised from time to time) from the date of maturity till the date of payment.

13 DOMESTIC BANKING Particulars negotiable from case to case basis under approval of relevant Business Head/ Division Head. In addition to the charges above all applicable Government levies will also be recovered. The Bank reserves the right to change different rates on the basis of volume and security offered subject to prior approval by concerned sanctioning authority In addition to above, commission/service charges, courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable government levies will also be recovered G. Miscellaneous 1) a) Delivery of Statement of account (Mandatory) b) Duplicate/OnDemand Statement of Account Rs. 35/ per statement ( are inclusive of Sales Tax/FED) 2) Issuance of SBP/ NBP cheques / Special Clearing Rs.500/ per cheque ) 3rd Party Funds Transfer through Pakistan Real Time Interbank Settlement Mechanism (PRISM/ RTGS) System Days Transaction Time Windows 9:00 am to 1:30 pm Monday to Friday 1:30 pm to 3:00 pm 3:00 pm to 4:00 pm 9:00 am to 11:30 am Saturday 11:30 am to 12:30 pm 4) Handling charges for issuance of Student Rs. 300/ per case Exchange Remittance permit and maintenance of record for subsequent remittances 5) Issuance of Balance/Account maintenance Rs. 300/ per certificate certificate on customer's request 6) for same day collection/clearing Rs. 500/ (flat) per instrument cheque greater than Rs. 500 k through NIFT 7) Stop payment charges of Cheque /TT/RTC/ PO/DD 11 Per Transaction (PKR) Rs. 220/ Rs. 330/ Rs. 550/ Rs. 220/ Rs. 330/ For PKR. A/c Rs. 300/ (flat) per instruction* USD 10/ per instruction* GBP 6/ per instruction* EURO 7/ per instruction* *one instruction may include advice for series/ AED 35/ per instruction* multiple instructions SAR 35/ per instruction* 8) for cheque return unpaid PKR 400/ USD 5/ GBP 3/ EUR 4/ AED 20/ SAR 20/ 9) a) Cost of Issuance of all Currency Cheque Books i) MICR For PLS Accounts Rs. 10/ per leaf (flat) For All other Accounts Rs. 7/ per leaf (flat) / ii) NON MICR Rs. 15/ per leaf b)cost of issuance of customized cheque books as in 9(a) above + actual cost of cheque book UBL First Minor Account Cheque Book (25 Leaves) is and subsequent ones will be charged 10) Minimum Balance/Service charges where the amount of deposits are below the required balance * per Month Monthly Average Balance LCY Current A/c Business Partner Business Partner Plus FCY CASA & FCY Uniflex 50/ (including SalesTax/ FED) 50/ (including SalesTax/ FED) 10,000/ 25,000/ USD EURO AED GBP 5/ 4/ 20/ 3/ 500/ 400/ 2,000/ 300/ SAR 20/ 2,000/

14 Particulars * Exemption to : i) ii) iii) iv) v) vi) vii) viii) ix) x) xi) xii) xiii) xiv) xv) DOMESTIC BANKING 11) a) Salary & Pension disbursement charges.** Rs.75/ per account from remitting organization s main account under agreement per month where salary / pension is credited. b) Pay PartnerSalary (and other) disbursement. Min. Rs. 75/ per transaction (or as per contractual terms) ** No charges to be recovered from Govt. and Semi Govt. Organizations and their employees / retired employees. 12) Photocopy of a paid cheque returned to customer Within 1 year Rs. 200/ per Above 1 year Rs. 1,000/} Cheque ) 1038 BUSINESS PARTNER WAIVER GRID (For Individual, Sole Proprietorship, Partnership & Government Accounts only) Waiver Per Month Applicable On Avg. Balance of Rs. 250,000/ & above Services Waiver (see note below) Issuance of MT 5 Issuance of CC/CBC 5 Cancellation of PO/CC/CBC/DD or MT 5 Duplicate CC/CBC 5 Debit / ATM Card Annual Fee Clean Bills for Collection/Intercity Clearing 5 Issuance of Cheque Books 1 Cheque Book of 50 leaves Cheque Return Unpaid from Payee Account 5 Online IBTS TransactionsCountry Wide Locker Rent * Issuance of Rupee Travelers Cheque (Annual average balance can be used for seasonal accounts) Students Mustahiqueen of Zakat Employees of Govt/SemiGovt institutions for salary and pension purpose, including widows / children of deceased employees eligible for family pension / benevolent fund grant etc. UBL Basic Banking Account (UBL BBA) holders. Accounts related with Zakat Collection & Disbursement Unclaimed deposits after maturity of ten years. Earthquake affected areas (BPRD Letter No. 28 of October 10, 2008) All UBL Staff Accounts wherein salary are Credited. All singly operated accounts of retired staff of the bank wherein pension, benevolent grant, medical bills reimbursed. Dormant Accounts UBL First Minor Saving Accounts School Management Committee Account (Only for Sindh BPRD Circular No. 02 of Jan 25, 2010) UBL ETransaction Accounts for OMNI Agents. UBL Wiz Cards All regular PLS Saving Accounts *1 locker free (any size) for 1st year, subject to availability in the branch where account resides. Waiver to be reviewed by Branch Manager at the end of each banking cycle. Waiver per month applicable on average monthly balance when the request is made. This grid is applicable on Current Account /Business Partner balance of Rs. 250 K & above above, on case to case on Branch Manager's discretion. First time collection charges free for Business Partners customers having balance of Rs. 250 K and above (after proceeds from collection are realized). Minimum Balance /Services charge as per point No.10 above will be levied for non maintenance of balance. 12

15 Particulars 14) 13 BUSINESS PARTNER PLUS Services Inter Branch Online TransactionsCountry Wide Debit / ATM Card Annual Fee Issuance of Cashiers Cheque/CBC Cheque Book Over the Counter Cash Deposit Cancellation of CC /CBC Cheque Returned Unpaid From Payee's Account Clean Bill For Collection/Intercity Clearing Duplicate Cashier s Cheque/ CBC Duplicate Account Statement Issuance of RTC UBL Go Green SMS Alert if any 18) Emigration Certificate 19) Proprietorship Certificate DOMESTIC BANKING GBP A/c GBP 3/ Transaction limit charges are applicable on any withdrawal above the threshold of three debit transactions in one calendar month (No charges on credit transaction) 24) for verification of account balance to third party based on customer's consent (Exemption for: Students applying for visa to proceed for Foreign Education) Wavier For Business Partner Plus monthly average balance is Rs.25 K. Minimum Balance /Services charge as per point No.10 above will be levied for non maintenance of balance. 15) on Encashment / Collection of profit Rs.300/ per trip coupons for certificates issued by other banks 16) Credit information report including credit report on Foreign Supplier / Buyers a) Within City Report Rs.1,200/ payable by Agents plus Rs.500/ service charges b) Foreign Report Actual Foreign Agents charges equivalent in Pak. Rupees Plus Rs. 600/ service charges c) If requested by Banks/DFIs. 17) Standing instructions fee to be recovered in addition to the usual charges on remittance, Rs.200/per attempt Rs.150/ per certificate Rs.150/ per certificate 20) No Objection Certificate (NOC) Rs.150/ per certificate ) UBL Basic Banking Account Transaction Maximum of two deposits and two withdrawal transactions (cash or clearing) per month are allowed free of charge on UBL BBA account holders. However, any transactions (cash & clearing) in a calendar month after those mentioned above will be charged a flat fee of Rs.50/ in addition to regular charges for services as per SOC. 22) Statement of Profit Earned & WHT / Zakat Rs. 150/ per certificate Deduction 23) Transactional on UBL UniFlex PLS A/c & UBL FCY UniFlex A/c Particulars UBL UniFlex PLS A/c UBL FCY UniFlex A/c: USD A/c EURO A/c AED A/c Rupees per transaction Rs.100/ USD 5/ EURO 4/ AED 20/ Rs. 250/ per verification Electronic Banking / Cash Management UBL provides Electronic Banking & Cash Management Services. Fees and other charges to be recovered on a case to case basis. In addition to above, commission/service charges, courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable Government levies will also be recovered.

16 BLANK 14

17 UBL SIGNATURE PRIORITY BANKING PRIORITY BANKING 15

18 Particulars A. UBL Signature Priority Banking 1) Issuance of Cashier's Cheque 2) DD / MT / PO / Cashier's Cheque Cancellation 3) Inter Branch Online Transactions IBTS a) Cash/Cheque Deposit & Account to Account Transfer i) Within City ii) Intercity b) Cash Withdrawal i) Within City ii) Intercity 4) Bills Collection a) Clean (including cheques / dividend warrants / Bank Drafts/ beyond NIFT/ OBC Centers /APC etc). b) Intercity Clearing 5) Stop payment of cheque drawn 6) Lockers Annual Fee & Key Deposit 7) Consumer Products Application Processing 8) a) Signature Debit Master Card (with basic ATM withdrawal insurance coverage) b) Value added ATM withdrawal insurance coverage (optional) 9) Signature Priority Pass Fee a) Membership/Annual Fee b) Airport Lounge Visit Fee Two complimentary visits per annum for Priority pass card holder. Additional visits will be charged at USD 35/ per visit. Guests accompanying the card holder will be charged at USD 35/ 10) Stop payment charges for DD / RTC / Cashier's Cheque 11) Issuance of all Currency Cheque Books 12) for Cheque return unpaid 13) Net Banking 14) Priority Banking Lounge (Applicable in case the monthly average balance is less than Rs. 1 Mln (For Current A/c) and Rs. 2 Mln (For Saving A/c). Equivalent amount of required balance and charge applicable for FCY account). 15) Shapes Health Club Usage a) Basic Member, 12 visits per month b) Any /All /combined Supplementary Card Holders, 4 visits per month * Shapes Health Club alliance locations may change from time to time UBL SIGNATURE PRIORITY BANKING 16 Rs. 1,000/ per annum USD 35/ per visit PKR 1,000/ USD 10/ EURO 8/ GBP 7/ AED 35/ SAR 35/ Extra visits will be Rs.1,000/, per visit per customer Extra visits will be Rs.1,000/, per visit per customer Apart from this, all banking service charges will be levied as per current SOC. In addition to above, commission/service charges, courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable Government levies will also be recovered.

19 BANK CHARGES FOR GOVERNMENT BUSINESS BANK CHARGES FOR GOVERNMENT BUSINESS 17

20 Particulars BANK CHARGES FOR GOVERNMENT BUSINESS A. IMPORT 1) Cash / reimbursable loans / barters expressed in U.S. Dollar or any other foreign currency including L/Cs under A.C.U. / arrangement Less than Rs.250,000/ and above 2) Nonreimbursable Letters of Credit under barter / aid / loans / authorization to pay 1/8% (0.125%) of the value of the Letter of Credit /16% (0.0625%) of the value of the Letter of Credit. 3/8% (0.375%) irrespective of the value of the Letter of Credit. The Bank reserves the right to charge different rates on the basis of volume and security offered subject to prior approval by concerned sanctioning authority. As per clarification given by the SBP Foreign Exchange Department 6734/ FEP.9 (126242)95 dated it is advised that in the case of letter of credit or for that matter "Authorization to pay" opened by the Department of the Federal or Provincial Governments whether routed through State Bank of Pakistan or not Letters of Credit commission is to be charged at the rates given in Para 37 Chapter XIII of Foreign Exchange manual (8th Edition2002). However for Letters of Credit "Authorization to pay" opened by other public sector agencies in Federal/Provincial Government including autonomous, semi autonomous bodies e.g., K.E.S.C. Limited, WAPDA, PTCL, etc., the commission is to be charged from the openers by the banks as per their own schedule of charges. In addition to above, commission/service charges, courier/postage / fax charges will also be made according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable Government levies will also be recovered. 18

21 BRANCHLESS & EBANKING BRANCHLESS & EBANKING 19

22 BRANCHLESS & EBANKING Particulars BRANCHLESS & E BANKING Service Fee at UBL Omni Dukaan Utility Bill Payment Mobile Top up Cash Deposit (Within A/c opening area) UBL Omni Money Transfer Account to Person (Agent Assisted) Slab Start 1 1,001 2,501 4,001 6,001 8,001 10,001 13,001 15,001 20,001 Slab End 1,000 2,500 4,000 6,000 8,000 10,000 13,000 15,000 20,000 25,000 Cash Deposit (outside account opening area) Slab Start Slab End Customer Fee (Rs.) 1 1,001 2,501 4,001 6,001 8,001 10,001 13,001 15,001 20,001 1,000 2,500 4,000 6,000 8,000 10,000 13,000 15,000 20,000 25, / 102/ 153/ 204/ 255/ 298/ 340/ 383/ 434/ 485/ Slab Start UBL Omni Money Transfer (over the counter) * Slab End Customer Fee (Rs.) Insurance Premium (Rs) 1 1,001 2,501 4,001 6,001 8,001 1,000 2,500 4,000 6,000 8,000 10,000 60/ 120/ / 300/ 350/ 5/ 5/ 10/ 15/ 20/ 25/ 10,001 13,000 13,001 15, / 450/ 30/ 35/ * Insurance is optional for OTC consumers Cash Withdrawal Customer Fee (Rs.) 54/ 108/ 162/ 216/ 270/ 315/ 360/ 405/ 459/ 513/ Slab Start Slab End Customer Fee (Rs.) ,501 4,001 6,001 8,001 10,001 13,001 15,001 20, ,500 4,000 6,000 8,000 10,000 13,000 15,000 20,000 25,000 15/ 30/ 56/ 76/ 96/ 116/ 132/ 149/ 168/ 188/ Fee For Account Holders Account Opening at UBL Omni Dukaan Initial Deposit requirement Rs. 100/ Average Minimum Balance Rs. 100/ requirement per Month Minimum Balance charges per Rs. 15/ Month Package Subscription Package Type Validity (In Days) Omni Monthly 30 Rs. 150/ Omni Semi Annual 180 Customer Fee (Rs.) 20 Transaction 1. UBL Omni A/c to Omni A/c Fund Transfer. 2. View Bill. 3. Balance Inquiry. Rs. 500/ Money Transfer From Omni Account (SMS & Omni Mobile App)* A/c to Person Transfer UBL Omni A/c Slab Start Slab End to A/c Transfer Customer Fee (Rs.) Customer Fee (Rs.) 1 1,000 51/ 42/ 1,001 2, / 84/ 2,501 4, / 126/ 4,001 6, / 168/ 6,001 8, / 210/ 8,001 10, / 245/ 10,001 13, / 280/ 13,001 15, / 315/ 15,001 20, / 360/ 20,001 25, / 405/ * Insurance is optional and free for Omni account holders. All mentioned amounts in PKR, Fee are inclusive of all Taxes.

23 UBL Omni ATM Debit Card Card Name UBL Omni ATM Debit Card Particulars Transaction Type Bill Payments Voucher Purchase Mobile Top Up Loading amount from linked UBL account Unloading amount to linked UBL account BRANCHLESS & EBANKING Non Financial Transaction and other Services Customer Fee (Rs.) Transaction Type Balance Enquiry View Bill Account Number Enquiry SMS 5/ 5/ Omni Mobile App 5/ N/A N/A Bill Nick Addition Payee nick addition Deletion of Bill Nick Deletion of Payee Nick Help Displaying of last transactions Listing of bill Nicks Listing of payee Nicks Issuance/Replacement Fee (Non Refundable) Daily Withdrawal Limit** Other Financial Transactions Customer Fee (Rs.) SMS Omni Mobile App All mentioned amounts in PKR, Fee are inclusive of all Taxes. **Account limits will supersede. 250/ 40,000/ 21

24 BRANCHLESS & EBANKING Particulars GL CRC A.UBL Netbanking UBL Netbanking Package Name Monthly Debit Limit Monthly Subscription Fee Basic (View only) Rs.0/ Bronze Upto Rs. 5,000/ Rs. 25/ Silver Gold Platinum Upto Rs. 50,000/ Upto Rs. 100,000/ Upto Rs. 500,000/ Rs. 45/ Rs. 75/ Rs. 150/ Premium Upto Rs. 1,000,000/ Rs. 300/ ECM004 Transaction Fee Door step cheque through Netbanking InterBank Fund Transfer Rs. 150/ per transaction (Sales Tax/ FED Included) Rs. 150/ per transaction ECM004 B. UBL ETransaction Account Netbanking monthly subscription fee is waived on ETransaction A/c subject to maintenance of required balance; 3 Months Average Balance Bronze Silver Gold Platinum Premium Less than 15,000 15,000 29,999 30,000 49,999 50,000 and Above Rs. 25/ Rs. 45/ Rs. 75/ Monthly Service Rs. 50/ (Sales Tax/FED Included) when average balance is below Rs. 10,000/ Rs. 150/ Rs. 75/ Rs. 300/ Rs. 300/ Rs. 150/ ECM004 C. UBL NRP Direct Accounts Initial Deposit Cheque Only International Cheque Clearing (OFBC etc.) International Mailing Monthly Service When Monthly Average balance is below Rs. 50, % of the initial deposit or USD 16 whichever is lower 0.6% of the initial deposit or USD 7 whichever is higher Rs. 2,500/ Rs. 50/ (Sales Tax/FED Included) ECM ECM ECM ECM004 D. UBL Click N Bank (enrp) Accounts Monthly Service When monthly Average balance a. PKR A/c is below Rs. 30,000/ b. USD A/c is below USD 500/ International Mailing Rs. 2,500/ Rs.50/ (Sales Tax/FED included) USD 5/ ECM ECM004 In addition to above, commission/service charges, courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) In addition to the charges above, all applicable Government levies will also be recovered. 22

25 CONSUMER BANKING CONSUMER BANKING 23

26 CONSUMER BANKING Particulars A. ATM / DEBIT CARD 1) General Debit / Prepaid Card b) ReLoad Fee i) From Branch ii) From UBL ATM (From Wiz Card to Wiz Card & From A/c to Wiz Card) iii) From UBL Net banking (From A/c to Wiz Card) c) Wiz Refund Charge Rs. 100/ a) Switch Transaction Fee i) Withdrawals on 1 Link ATMs other than UBL Rs.15/ ii) Withdrawals on other Switches Rs.15/ b) International Usage i) ATM Withdrawal 3% of transaction amount ii) POS & Internet Purchase a) Purchase in Currency other than USD and PKR b) Purchase in USD and PKR c) Balance Inquiry i) Within Pakistan from Non 1 Link ATMs ii) From Outside Pakistan 3.5% of transaction amount Rs. 5/ per transaction Rs. 100/ per transaction d) Internet Usage i) Activation ii) Per Session Rs.100/ ( for UBL Wiz Internet Card & ACCA Card) e) Charge on Declined POS Transaction i) For Local Incase of Low Balance and Excess Over Limit ii) For International Incase of Low Balance and Excess Over Limit Rs. 5/ Rs. 35/ f) Funds Transfer through ATM Within UBL Rs. 50/ per transaction. Outside UBL Rs. 100/ per transaction UBL MegaWallet Debit Card & UBL First Pocket Money Debit Card a) Annual Card Type UBL MegaWallet Card/Proprietary Card UBL First Pocket Money Card Basic 500/ Supplementary 300/ (with basic ATM Withdrawal Insurance Coverage) b) Value added ATM withdrawal insurance coverage (optional) c) Card Replacement Fee (upon request) 3) UBL Wiz Prepaid Visa Debit Cards a) i) Card Issuance (One time fee) (with basic ATM withdrawal insurance coverage) ii) Value added ATM withdrawal insurance Rs. 1,000/ per annum Rs. 300/ per card i) on deposit of Rs. 10,000/ & above ii) Rs. 150/ for deposit of less than Rs.10,000/ Rs. 1,000/ per annum No joining fee. Annual fee to be recovered in advance. No refund on account closure In addition to above, commission/service charges, courier/postage /fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval from relevant Business Head / Divisional Head. In addition to the charges above, all applicable Government levies will also be recovered. 24

27 Particulars 4) UBL Premium Debit Master Card a) Annual Fee (with basic ATM withdrawal insurance coverage) i) Basic Rs. 500/ ii) Supplementary Rs. 300/ b) Value added ATM withdrawal insurance Rs. 1,000/ per annum coverage (optional) c) Card Replacement Fee (upon request) Rs. 300/ per card 5) UBL Pardes Cards a) i) Card Issuance (with basic ATM withdrawal insurance coverage) ii) Value added ATM withdrawal insurance Rs. 1,000/ per annum (optional) iii) ReLoad b) Switch Transaction Fee Withdrawals on 1 Link ATMs other than UBL Rs. 15/ Withdrawals on other switches Rs. 15/ c) Balance Inquiry i) Within Pakistan from non 1 Link ATMs Rs. 5/ d) Cancellation / Card Replacement Charge (upon request) B. UBL GO GREEN a) SMS Alert i) Basic Service ii) Premium Service *Mandatory monthly deduction irrespective of number of SMS b) EStatement i) Statement of Account through c) Internet Merchant Acquiring i) Membership Fee ii) Merchant Setup Fee (one time) iii) Discount Rate iv) Refund/Charge Back Processing Rs. 100/ CONSUMER BANKING Rs. 50,000/ per merchant per annum Rs. 40,000/ 3.50% per transaction 0.78% per transaction Monthly of Rs.50/* (For first 50 SMS) Re. 1 per SMS thereafter Monthly of Rs.100/* (For first 150 SMS) Re. 0.5 per SMS thereafter In addition to above, commission/service charges, courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable Government levies will also be recovered C. UBL DRIVE (CAR FINANCING) 1) Application Processing As per the loan documents, or Rs. 6,000/ (nonrefundable) if not specified 2) Vehicle Evaluation * As per the loan documents, or Rs. 5,000/ if not specified 3) Pre Payment (Full Payoff) As per the loan documents, or 8% of principal outstanding if not specified 4) Late Payment As per the loan document, or Rs. 1,000/ if not specified 5) Vehicle RePossession * Actual incurred by the bank up to a maximum of Rs. 50,000/ 6) Repossessed Vehicle Evaluation * Rs. 2,500/

28 Particulars CONSUMER BANKING 7) Monthly Warehouse As per the loan documents, or Rs. 5,000/ per vehicle, if not specified 8) Auction Rs. 5,000/ ) Insurance * As per the rate quoted by the Insurance Company 10) Reissuance of NOC Upto Rs. 1,000/ *These charges are quoted by the vendor & are subject to change. D. i) UBL CASHLINE 1) Processing Fee As per the loan documents, / or Salaried Rs. 3,000/ & 3023/ 3024/ SEB/ SEP Rs. 4,000/ if not 3025 specified 2) Annual (Renewal fee) As per the loan documents, or Rs. 2,000/ if not specified 3) Value added ATM Withdrawal Insurance Coverage (optional) D. ii) UBL CASH PLUS 1) Processing Fee Upto Rs. 3,000/ ) Prepayment Penalty As per the loan documents, or 5 % of the remaining outstanding amount if not specified 3) Partial Payoff Fee As per the loan documents, or 5 % of the amount being reduced from outstanding principal if not specified 4) Late Payment As per the loan documents, or Rs. 1,000/ per installment if not specified E. UBL MONEY 1) Prepayment Penalty 2) Late Payment 3) Partial Payoff Option Fee Rs. 1,000/ per annum ) Late Payment Fee As per the loan documents, or Rs. 1,000/or 10% which ever is higher, if not specified 5) Insurance (Credit Protector) 0.2% of total monthly principle outstanding 6) SMS Alert Fee Basic Service Monthly charges of Rs. 50/* (for first 50 SMS) Rs.1 per SMS thereafter Premium Service Monthly charges of Rs. 100/* (for first 150 SMS) *Mandatory monthly deduction irrespective of Rs.0.50 per SMS number of SMS thereafter 7) Limit Enhancement Fee Rs. 2,000/ ) Debit/ATM Card Annual Fee As per the loan documents, or 8% of remaining outstanding principal amount if not specified As per the loan documents, or Rs,1,000/ per installment if not specified As per the loan documents, or 5% of the amount being principal if not specified All regular Branch Banking charges will be applied for the transaction through branches In addition to the above, commission / service charges, courier / postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) In addition to the charges above, all applicable Govt. levies will also be recovered. All rates are subject to change. 26

29 CONSUMER BANKING Particulars F. UBL ADDRESS 1) Processing 2) Appraisal * As per the loan documents, or Rs. 5,000/ (nonrefundable), if not specified As per the loan documents, or Rs. 4,000/ (nonrefundable), if not specified 3) Legal * As per the loan documents, or Rs. 4,000/ (nonrefundable), if not specified 4) Late Payment As per the loan documents, or Rs. 1,000/ per installment, if not specified 5) Property Insurance* As specified in the loan documents, or actual (max of 3%) if not specified 6) Life Insurance* Optional. As per the rate quoted by the Insurance Company. 7) Partial Payoff 8) Prepayment Penalty (Full Payoff) As per the loan documents, or Max 6 monthly installments. Penalty charges apply on amount exceeding Rs. 50,000/ or 6 monthly installments. 8% for Year 1, 5% for Year 2, 3% in Year 3 & onwards if not specified As per the loan documents, or Less than 1 yr: 8%, 13 yrs: 5%, 320, yrs: 3% if not specified ) Refund CCs Regular CC charge as per page no. 2, Item No. 1 (a) will apply for all consumer *These charges are quoted by the vendor & refunds. are subject to change. G.CREDIT CARDS 1) Annual Membership Fee (with basic ATM withdrawal insurance coverage) 2) Chip Maintenance Fee For Basic (Excluding Platinum) 3) Annual Supplementary Card Fee (with basic ATM withdrawal insurance coverage) Rs. 1,500/ (Silver) Rs. 3,000/ (Gold) Rs. 4,000/ (Platinum) Rs. 250/ per annum Rs. 500/ (Silver) Rs. 750/ (Gold) Rs. 2,000/ (Platinum) ) a) Platinum Upgrade Fee from Gold and Rs. 2,000/ SilverBasic b) Platinum Upgrade Fee from Gold and Rs. 1,000/ SilverSupplementary In addition to above, commission/service charges courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable Govt. levies will also be recovered including Sales Tax/ FED. 27

30 CONSUMER BANKING Particulars 5) Value added ATM withdrawal insurance coverage (optional) 6) APR Retail Transaction 7) APR Cash Advance 8) APR BTF 9) APR Lite Installment Plan 10) APR Lien Marked Credit Card 11) Processing Fee for Lien marked Credit Card Up to 40% Up to 40% Up to 24% Up to 30% Up to 33% Rs. 1,500/ Rs. 1,000/ per annum Silver Gold Platinum ) Minimum Monthly Payment 13) Cash Advance Fee 14) Late Payment Fee 15) Over Limit Fee 16) Credit Guardian Optional 5% of the outstanding balance or Rs.500/ (whichever is higher) 4% of the amount withdrawn Silver or Rs. 750/ Gold (whichever is higher) Platinum Rs. 1,000/ Silver Gold Platinum 0.79% of the monthly outstanding balance T % of the over limit amount Silver or Rs. 1,000/ (whichever Gold is higher) Platinum ) Family Security Plan Plan A Rs. 63/ per month Plan B Rs. 105/ per month Plan C Rs. 210/ per month Plan D Rs. 315/ per month 18) Child Education Plan Plan A Rs. 49/ per child per month Plan B Rs. 98/ per child per month Plan C Rs.125/ per child per month 19) a) Hospital Cash Plan Executive 2135 years: Rs. 220/ per month 3650 years: Rs. 360/ per month 5160 years: Rs. 824/ per month Each Child 120 years: Rs. 215/ per month b) Hospital Cash Plan Deluxe 2135 years: Rs. 320/ per month 3650 years: Rs. 529/ per month 5160 years: Rs.1,200/ per month Each Child 120 years: Rs. 300/ per month 20) Booking Balance Transfer (Open) Rs. 250/ ) Booking Lite Installment Plan Rs. 250/ per transaction or 1% of transaction amount (whichever is higher) Silver Gold Platinum 22) Cancellation Lite Installment Plan 23) Direct Debit Failure Fee Rs. 500/ 5% of the installment outstanding balance or Rs.1,000/ (whichever is higher)

31 CONSUMER BANKING Particulars 24) a) Card Replacement FeeSilver & Gold b) Card Replacement Fee Platinum 25) Credit Card Conversion Fee (for Basic and Supplementary Cards excluding Platinum) 26) Utility Bill Payment Rs. 500/ Rs. 1,000/ Rs. 500/ per card Rs. 50/ per transaction ) Limit Enhancement Fee 28) Foreign Transaction 29) VISA/ MasterCard Arbitration for Disputed Transactions 30) SMS Alert Fee 31) Platinum Priority Pass Fee a) Membership/Annual Fee b) Airport Lounge Visit Fee 32) Global Customer Assistance Service Fee a) Lost & Stolen Card b) Emergency Card Replacement VISA Gold & Platinum c) Emergency Card Replacement VISA Classic d) Emergency Cash Disbursement e) Emergency Service Request Denied or Fulfilled by Issuer or Cancelled f) Cardholder Inquiry Service / VISA Assistance Centre Rs. 2,000/ Up to 3.5% of the transaction amount USD 500/ or equivalent Up to Rs. 50/ per month USD 35/ per visit USD 35/ per request USD 250/ per request USD 225/ per request USD 175/ per request USD 50/ per request USD 7.50/ per request Silver Gold Platinum ) Shapes Visit charges (For Platinum Credit cards only) a) Primary Customers, charges will be Rs. 1,000/ applicable from 13th visit onwards in a month b) Supplementary Customers, charges will be applicable from 5th visit onwards in a month H. GENERAL CONSUMER BANKING CHARGES 1) Duplicate Statement 2) Cheque Return 3) Collection on Customer Call 4) UBL Airport Lounge (Karachi Airport) Rs. 1,000/ Rs. 35/ per statement (not applicable on credit card) Rs. 400/ per cheque Rs. 250/ per pickup Rs. 800/* *Exceptions apply for Gold and Platinum Customers Markup will be charged on unpaid principal amount. In addition to above, commission / service charges, courier/postage/ fax charges will also be recovered according to prescribed tariff (wherever applicable). In addition to the charges above, all applicable Government levies will also be recovered. 29

32 BLANK 30

33 INTERNATIONL BANKING INTERNATIONL BANKING 31

34 Particulars 12) Markup & commission in case of import bills under Import L/Cs 32 INTERNATIONAL BANKING A. IMPORTS 1) Cash Letters of Credit: a) Issuance of Letter of Credit Upto 0.40% for 1st Qtr or LOC part thereof, Upto 0.25%, for subsequent Qtr, Min Rs. 2,200/ 2) Revalidation commission Revalidation Commission AMC to be charged from the date subsequent to the date of expiry of LC at rates applicable in case of opening of fresh LC. 3) Transfer CommissionCommission on account Transfer commission will of change in the beneficiary / country of advising be charged as applicable in case of fresh Letter of Credit 4) a) Non reimbursable L/C under Barter Aid / 1.0% on 1st Qtr and 0.30% Loans and Authorization to pay for each subsequent Qtr or part thereof, Min. Rs.1,500/ b) L/C, L/G under "Suppliers / Buyers Credit" Pay As You Earn Scheme (PAYES) and deferred payment L/Cs for period over one year c) In case of L/G undertaking to be issued favoring any bank for providing forward cover exchange risk under Suppliers / Buyers Credit behalf of applicant 0.40% per Qtr or part thereof, Min. Rs.2,500/ 1.6% per annum, Min. Rs.2,000/ d) L/C cancellation charges Rs. 2,000/ plus swift charges Rs. 1000/ flat & communication charge (at actual) 5) Registration of contract with SBP in respect of Private Foreign Currency Loans obtained by borrowers in Pakistan from Foreign Lenders 6) Issuance of Certificate regarding opening of L/C or registration of contract to another bank for booking of forward exchange at importer s request 7) Bills are drawn at a Usance under the Letter of Credit other than Pay As You Earn Scheme and Supplier / Buyer Credit and Deferred Payment Letters of Credit on yearly 8) Contract registration for import on annual volume basis 9) L/C Amendment Handling charges Rs.7,500/ (flat) Rs.1,000/ per application (flat) a) Rs.1,500/per bill (flat) b) Extra 0.10% per month or part thereof from any period beyond the L/C validity till maturity of the bill. 10) Contract Amendment Rs. 1,500/ (flat) 11) Import documents received directly / Rs.1,500/(flat) Plus indirectly from the supplier to the applicant / service 18/ bank with / without registration of contract paisa per Rs.100/ and the payment made there against. Min, Rs 2,000/ swift Rs.1,000/ LCN HDC LEC Note In case forced PAD is created due to non payment on maturity against DA LC, 0.50% is to be charged (once only) on the amount (net of margin) for which FPAD is created in addition to 60 paisa PTPD (or as revised from time to time) from the date of maturity till the date of payment. 0.40%, (flat), CRC Min Rs.2,500/ (flat) Rs. 1,200/ per amendment AMC (flat) or commission at rates specified under items 1 and 4 (a) above, if amendment increase in amount or extension in period of shipment CRC HDC RTC SWS

35 Particulars a) Markup in case of Import bills under Import Letters of Credit b) In addition to markup as per (12) (a), Bank s commission on the amount (net of margin) for which PAD is created, as under: i) If retired within 10 days from the date of lodgment ii) If retired during 15 days subsequent to the period at item (i) above iii) If retired during next 15 days after the period mentioned in (i) and (ii) above iv) If retired during next 190 days after the period mentioned in item (i) (ii) and (iii) above 13) Import bills returned unpaid 14) a) Collections b) Import against advance payment to suppliers 15) Service charges on L/cs retirement of Import bills under L/c's / Contracts a) Opened by us where Fx conversion forward is done by us b) Opened by us where Fx conversion / forward is done by other banks 16) Reimbursement charges (payable to Reimbursement Bank) 17) Handling of discrepant documents under Import L/Cs 1) Processing charges for Export Registration 2) Letter of Credit a) Advising (i) Beneficiary in Pakistan (ii) Beneficiary outside Pakistan b) Amendment Advising (i) Beneficiary in Pakistan (ii) Beneficiary outside Pakistan c) Negotiation of bills against issued under barter / remittance from SBP (rupee bill) d) Confirmation e) Transfer of Export f) Reimbursement payment to other local from nonresident rupee A/c 33 INTERNATIONAL BANKING 54 paisas per Rs.1,000/ per day from the date of negotiation till the date of retirement (on the amount for which PAD is created) No Commission 25 paisas per Rs.100/ 30 paisas per Rs.100/ paisas per Rs.100/ Handing charges USD / (flat) or equivalent plus courier charges Rs. 2,000/ Rs.1,500/ (flat), per collection Rs. 1,500/ (flat), plus service paisa per Rs.100/, Min Rs 1,500/ plus swift charges Rs. 15 paisa per Rs.100/ Min. 18 paisa per Rs.100/ Min. Rs.1,800/ At Actual USD 75/ or equivalent plus swift charges Rs. 1,000/ flat & communication charges Rs.200/ (flat) Rs.1,800/ (flat) USD 60 (flat) Rs.1,000/ (flat) USD 30 (flat) 0.30%, Min. Rs.250/ ) Issuance of freight certificate for Imports on Rs 1,500/ per certificate FOB basis 19) Extension in maturity of Usance Bills under 1,500/ (flat) per bill LC / Bank Contract 20) Expense Recovery Protest/ Legal Actual + USD 25/ or equivalent 21) Handling of Imports Documents against PAD Rs. 1,500/ (flat) Bills (Sight Bills) 22) Duplicate advice issuance Rs.350/ per duplicate advice 23) FED invoice certificate Rs.1,000/ per certificate ) Issuance of business performance certificate Rs.3,000/ per certificate of previous years at the customer request B. EXPORTS % per quarter or part thereof, Min. Rs.300/ Rs.1,300/(flat) Rs.500/(flat) RTC RTC DEC HDC HDC ADC ADC ADA ADA ELC ADC

36 Particulars 3) Advance Payment a) Service charges b) Commission c) Export Development Surcharge INTERNATIONAL BANKING 0.15% Min Rs. 400/ Rs. 200/ (flat) As per prevailing SBP regulations (as and when the shipment is effected) ) EDS handling charges Rs. 80/ (flat) per transaction HCH 5) If the documents are sent to other banks for Rs. 400/(flat) negotiation under restricted Letter of Credit 6) Collections a) Clean cheques / Drafts / FTCs Rs.100/ b) Documentary (on which bank does not earn Rs. 200/ per collection (flat) any exchange difference) 7) Duty Drawback Claim 0.25% of the amount of claim, Min. Rs. 250/ per case 8) Service charges against export documents 13 paisas per Rs.100/ sent for collection basis where payment cover is already received to our Foreign Currency A/c 9) NOC Issued Document transferred against Rs. 500/ per bill Export document 10) Freight Subsidy Rs. 400/ per case 11) Research & Development Surcharge R&D handling charges 12) Any Certificate issued in current Financial year including withholding tax certificate a) Original b) Duplicate 13) Trade Development Authority Registration certificate verification / % of the amount of claim, Min Rs. 250/ per case Rs.1,000/ per certificate Rs. 2,000/ per certificate Rs. 200/ per certificate b) Negotiation (Usance) (Delayed Realization) Markup 54 paisa If payment of Foreign / Local Bills realized per Rs.1,000/ per day to within 03 days, no markup to be charged. be charged Incase proceeds not realized/credited to our a/c within 03 days from the date of the maturity till its adjustment than markup is applicable to our customer's NICF facility or as per special approval by the competent authority. In case of no NICF facility is available to the customer than markup will be charged ) Duplicate advice issuance Rs.300/ per duplicate advice 15) a) Negotiation of documents drawn under Markup 54 paisa EMU sight Letter of Credit (Delayed Realization) per Rs.1,000/ per day to If proceeds not realized / credited to our be charged customer's a/c within 12 days than markup is applicable to customer. NICF facility will be charged for any delay beyond 16) Issuance of business performance certificate of previous years at the customer request Rs.2,500/ per certificate EMU ) Sales Tax / FED invoice certificate Rs.1,000/ per certificate EDS ESC/ SCH EBC EBC 18) Export LC Cancellation Rs.1,500/ plus swift charges Rs. 1000/ flat & communication charges CAN The Bank reserves the right to charge different rates on the basis of volume and security offered subject to prior approval by concerned sanctioning authority. In addition to above, commission/service charges, recovery of courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable Government levies will also be recovered. 34

37 Particulars ii) Commission against issuance of FMT/ FDD/TC From PKR Account (Not Applicable on Advance payment imports) INTERNATIONAL BANKING 1) Outward a) Foreign Travelers Cheques 1% of the amount of travelers cheques sold, Min. Rs. 400/ b) i) Remittance abroad through Foreign Currency Account (Issuance of FDD / FTT) 19) Export Proceeds Transfer Flat charges Rs. 500/ EBC only on OutBound Export proceeds in FCY only C. REMITTANCES ii) Remittance against surrender of Foreign Currency notes or cash deposited in Commission mentioned under (b)(i)above, plus Foreign Currency A/c within 15 days from service 0.25% the date of such deposit to be recovered Min Rs.200/ iii) Foreign Currency cash deposited in CFC A/c for realization of Export proceeds iv) Collection /Local Clearing for F.C. A/c v) A/c to A/c Funds Transfer of Foreign Exchange Companies in Foreign Currency A/c (having same title of A/c) within UBL Branches (Locally) c) Remittance abroad other than through Foreign Currency A/c i) Students (for education purpose) Rs. 200/ iii) Commission against issuance of MT/FDD against Export d) i) FDD / FTT cancellation charges ii) Under general permission or specific approval of SBP iii) FDD / FTT cancellation charges against Export e) i) Issuance of duplicate FDD ii) Issuance of duplicate FDD under Export 0.25% per US$ 1,000 or part thereof, equivalent for other currencies, Min USD 10, Max USD 100/ or equivalent for other currencies In addition to commission mentioned at (b) (i) above, plus service to be charged in case of realization of Export proceeds against cash deposited in FCY A/c %, Min USD 7, Max USD USD 1 per 1000 or part thereof, equivalent for other currencies, Min USD 8, Max USD 75, or equivalent for other 15 paisas per Rs.100/, Min. Rs. 15 paisas per Rs.100/, Min. Rs. 500/ Rs. 500/ per item Rs. 250/ Rs.500/ per cancellation Rs.500/ (flat) Rs.500/ (flat) ) Inward a) Home Remittance b) Others c) Commission charges on payment of Inward Foreign Remittance/Swift Transfer received in Foreign Currency ( code SHA/BEN/OUR) and cover through our various Nostros.These charges are to be recovered only when TT buying rate is applied. 35, if the proceeds are credited to an A/c with UBL. In other cases, flat Rs.500/ Favoring UBL 0.15%, of remittance proceeds Min Rs. 500/ & Max Rs. 2,000/ Beneficiaries with other local banks flat Rs.1,000/

38 Particulars d) Inward cheques expressed in Foreign Currency drawn on Foreign Currency A/c received from local / upcountry bank's branches for payment in Pak Rupees after conversion at authorised dealers buying TT clean rates e) Clean CollectionUsing Foreign Correspondent arrangements i) Collection for Foreign Currency A/c or Rupee A/c ii) Cheque/Draft/FTCs Returned unpaid iii) Postage D. MISCELLANEOUS %, Min USD 7, Max USD 15 or Equivalent Rupees per collection (in Addition to foreign Bank charges) Rs. 500/ (flat) Rs. 200/ (flat) 0.15%, Min. Rs.400/ ) Correspondent Banking charges At Actual ) Foreign bills sent for collection returned unpaid Rs.500/ (flat) ) Inward collection/local Clearing received relating to Foreign Currency A/c from abroad or local banks / branches and where the payment is demanded in Foreign Currency 4) Inward Foreign Currency cheque, received from local branches, upcountry branches or local banks for payment in Pak Rupees (convert the relevant Foreign Currency at the TT Buying rate) 6) Credit check at customer's request Rs.300/ USD 5 per USD 1,000 or part there of and Max. USD %, Min. Rs.200/ ) Issuance of proceeds certificate beyond one year Rs.500/ (flat) per certificate ) Service charges for verification of test / signature and mail L/Cs 8) Standing instructions charge in Foreign Currency A/c 9) a) Negotiation of documents drawn under sight letter of credit INTERNATIONAL BANKING Whenever SWIFT message is sent, SWIFT/Communication charges will be recovered from customer. In addition to above, commission/service charges, courier/postage / fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable Government levies will also be recovered Rs.500/ per instance USD 5/ or equivalent per transaction If proceeds not realized / credited to our customer's account within 12 days then applicable to our customer NICF facility to be charged for any delay beyond 12 days. Incase no NICF facility to the customer then mark 54 paisa per Rs. 1,000/ per day to be charged. b) Negotiation (Usance) If payment Foreign/Local bills realized within 3 days, no markup to be charged. Incase proceeds not realized/credited to our account within 3 days from the date of maturity then markup to be charged from the date of maturity till its applicable to our Customer's NICF facility or as per special approval by the competent authority. Incase of no NICF facility is available to the customer then paisa per Rs.1,000/ per day to be charged

39 COMMUNICATION CHARGES GENERAL Particulars 10) Issuance of business performance 11) Sales Tax / FED Invoice certificate (Export) Rs.2,000/ per certificate Rs.1,000/ per certificate In addition to above, commission/service charges, courier/postage/ fax charges will also be recovered according to prescribed tariff (wherever applicable) negotiable on case to case basis under approval of relevant Business Head / Divisional Head. In addition to the charges above, all applicable Government levies will also be recovered Communication General 1) a) Telephone b) Fax 2) a) Postage Ordinary (Inland) b) Postage Registered i) For Inland LC ii) For foreign Import LC c) Others i) Inland ii) Foreign 3) Courier a) Courier (Within City & Intercity b) CourierForeign c) Courier LC d) Courier for Account Opening Welcome Pack/Cheque Book/ Debit Card (VISA & Master) 4) Swift a) Full Text L.C/Guarantee & Long Messages b) Short Text/LC amendment & other messages Rs. 100/ per call Rs. 100/ per message Min Rs. 50/ Actual, Min Rs. 200/ Actual, Min Rs. 1200/ Rs. 75/ flat Rs. 200/ flat Actual, Min Rs. 100/ Actual, Min Rs. 1,300/ Rs. 250/ Rs.2,000/flat Rs.1,000/flat IMPORTANT NOTES: SIGNATURE PRIORITY BANKING CUSTOMERS: Please refer to your Priority Lounge Relationship Manager for other applicable waivers on Schedule of, including FCY Accounts. Where Online system is down, remittance may be sent by other means but Inter Branch online transaction will be recovered. See Page 12 & 13 for waivers on Business Partner Accounts & Business Partner Plus. All Government levies including Sales Tax / FED will be recovered where applicable. All regular branch banking charges will be applied for the transaction through branches. Commission / service charges, recovery of courier postage / fax charges will also be made according to prescribed tariff (wherever applicable.) As per clarification given by the SBP Foreign Exchange Department 6734/ FEP.9 (126242)95 dated it is advised that in the case of Letter of Credit or for that matter "Authorization to pay" opened by the Department of the Federal or Provincial Governments whether routed through State Bank of Pakistan or not Letters of Credit commission is to be charged at the rates given in Para 37 (ii) Chapter XIII of Foreign Exchange manual (8th Edition2002). However for Letters of Credit "Authorization to pay" opened by other public sector agencies in Federal / Provincial Government including autonomous, semi autonomous bodies e.g., K.E.S.C. Limited, WAPDA, PTCL, etc., the commission is to be charged from the openers by the banks as per their own schedule of charges. The Bank reserves the right to charge different rates on the basis of volume and security offered subject to prior approval by concerned sanctioning authority. for cash collect will be subject to contractual agreement with the customer. For Inter Branch Online transaction OBC charges would not apply. Concession to UBL Staff is allowed as per policy and relevant circulars. Whenever swift message is sent, SWIFT/communication charges will be recovered from customer

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