National Bank of Pakistan HEAD OFFICE KARACHI. National Bank of Pakistan HEAD OFFICE KARACHI 72/2015

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3 HEAD OFFICE KARACHI HEAD OFFICE KARACHI INSTRUCTION CIRCULAR NO. /05 June, 05 /05 SPM (REVISED) CHAPTER - II SCHEDULE OF BANK CHARGES (REVISED) A copy of revised to e mde effective from st July 05. The will remin opertive until revised. Requisite numer of photocopies of the my e tken out nd supplied to the officils concerned t Brnches for their meticulous complince. Brnch Mngers should lso keep copy in their custody for redy reference. A copy of the sme should lso e plced on the Brnch s Notice Bord. In terms of SBP BCD Circulr No. dted th Mrch, 94 nd Prudentil Regultion circulted vide BCD Circulr No. 5 of 99, ll rnches re required to mke the ove ville to their constituents t lest dys efore the commencement of the relevnt hlf yer. Plese ensure its vilility well efore lst week of Jne 05. (SYED KHURRAM HUSAIN) VICE PRESIDENT OPERATIONS GROUP (JAVED ASHRAF) SENIOR VICE PRESIDENT OPERATIONS GROUP (SYED KHURRAM HUSAIN) VICE PRESIDENT OPERATIONS GROUP (JAVED ASHRAF) SENIOR VICE PRESIDENT OPERATIONS GROUP CC: PSO to the President All SEVPs / Cheif of Groups/Divisionl Heds/Wings/Deprtment of Hed Office. All Regionl Heds / RBDM / Credit / Opertions / HR / Regionl Complince Officers / Stff College Directors. All Regionl Audit Chiefs. All Country Mngers (Overses Opertions) / Chief Mngers / Brnch Mngers / Opertion Mngers (Foreign, Domestic & Corporte Brnches). CC: PSO to the President All SEVPs / Cheif of Groups/Divisionl Heds/Wings/Deprtment of Hed Office. All Regionl Heds / RBDM / Credit / Opertions / HR / Regionl Complince Officers / Stff College Directors. All Regionl Audit Chiefs. All Country Mngers (Overses Opertions) / Chief Mngers / Brnch Mngers / Opertion Mngers (Foreign, Domestic & Corporte Brnches).

4 CONTENTS DOMESTIC BANKING S. No. DESCRIPTION Pge # REMITTANCES. Issunce of Drfts, MTs, & TTs:. Issunce of Duplicte Drf.t.3 Cncelltion.4 Inter Brnch Trnsction PAYORDER. Issunce of py order:-. Issunce of duplicte py order.3 Cncelltion 3 CALL DEPOSIT RECEIPT 3. Issunce of Cll Deposit Receipt 3. Issunce of Duplicte Cll Deposit Receipt 4 INALND LETTER OF CREDIT 4. Opening of LC 4. Amendment Chrges 4.3 Advising/Amendment/Confirmtion 4.4 Inlnd L/C cncelltion chrges 5 BILLS 5. Collection 5. Mrk-up on ills purchsed/negotited Documentry ills drwn gsint Inlnd Letters of Credit Sight Bills Usnce Bills 4 PROJECT FINANCES/ADVANCES 4. Project Appliction Fee (Non-refundle) 4. Directors serch / Chrge 5.3 Miscellneous) Chrges for issunce of NOC 5.4 Redemption 5 GODOWN CHAGRES. Godown Inspection Chrges.. Delivery Chrges:-.3 Other incidentl expenses:.4 Mrking of Lien, Govt Securities.5 Mrking of Lien, Securities STANDING INSTRUCTIONS FEE 9 SALE AND PURCHASE OF SECURITIES SAFE CUSTODY ARTICLES IN SAFE DEPOSIT & SAFE DEPOSIT LOCKERS Sle nd purchse of shres nd Securities Shres & Securities held in sfe custody Withdrwl fee on shres nd securities. Withdrwl fee on Government Securities. Chrges for collection of interset/ return / divided. Hndling Chrges Pulic Flotion of Shres Pyment of Dividend Wrrnts SAFE CUSTODY ARTICLES IN SAFE-DEPOSIT LOCKERS. Sfe Deposit Lockers Fee for Sfe Deposit lockers Key Deposit Breking Chrges. Service chrges for investment in PIBs GUARANTEES. Chrges for orrowing customers. Gurntees issued to shipping compnies Gurntees issued to Collector of Custom Issunce of foreign gurntees L/G under Suppliers/Buyers Credit L/G under tking to e issuedfor providing forwrd cover Other Gurntees Gurntees issued ginst collterliztion of FC deposit. SAIBAN HOUSING SCHEME Processing Fee for Govt. Employees Processing Fee for Others Other Costs Property Txes Services Chrges Erly Pyments: ADVANCE SALARY ATM FACILITY Annul Renewl Fee

5 CONTENTS DOMESTIC BANKING Trnsction cost for Customer Blnce Inquiry ATM Crd Lost / Replcement Chrges ATM Crd Pin Re-issunce Chrges TRIFF FOR CORPORATE CUSTOMERS & MNCS BANK CHARGES FOR GOVERNMENT BUSINESS. IMPORT MISCELLANEOUS CHARGES Service Chrges on Current Accounts Service Chrges on Foreign Current Accounts Duplicte/Additionl sttements of ccount Issunce of SBP/ Cheques. Stop pyment of cheque Clernce of Cheques Collection/encshment of profir coupons Verifiction of test for other nks/prties Credit informtion report Registrtion of contrct with SBP Confirmtion of lnces to uditors. Blnce Confirmtion Certificte Issunce of new cheque ook in lieu of lost Account closing chrges Issunce of Cheque Book Chrges from employer on Slry Disursement Services Inlnd Trvellers Cheque Authorities to encsh cheques. PRISM Trnsction Chrges Specil Sme Dy Clering through NIFT RTGS Chrges Armed License Fee (Govt. of Sindh) Trfic Chlln Only Krchi Utility Bills Commission Gs / Electricity / Bnk Certificte for the purpose of Vis/Income tx, etc SMS Alert Chrges (Bnking trnsctions) Moile Bnking with Ufone Premture Encshment Policy WAIVER OF CHARGES SME Processing Chrges Fresh, Renewls, Enhncements Proposls (Fund Bsed) (Non Fund Bsed) Non Utiliztion /Commitment Chrges for Borrowers (Fund Bsed) (Non Fund Bsed) One Time Trnsction /Amendment/ Minor Chrges INTERNATIONAL BANKING IMPORTS Letter of Credit. Non-reimursle Letter of Credit Mrk-up in cse of FIM 9 Import Bills returned unpid 0 EXPORTS 0 Processing Chrges for Ecport Registrtion Letter of Credit. Colleciton. Duty drw ck clims. Locl US Dollr Instruments Colleciton Export Processds Reliztions under FBPN REMITTANCES Outwrd Inwrd 3 MISCELLANEOUS. 4 Postge (Ordinry) 4 Postge (Registered) 4 Fx / Telephone 4 Swift 4 Courier 4 Issunce of proceeds certificte eyond one Yer. 4 Issunce of Business Performnce certificte

6 REMITTANCES. Issunce of Drfts, MTs, & TTs:.. For Account Holders: Upto Rs.00,000/- 0.0% Minimum Rs. 5/- Upto Rs.,000,000/- 0.05% Minimum Rs.00/- c Over Rs.,000,000/- 0.04% Minimum Rs.00/-.. For Non-Account Holders: Upto Rs.00,000/- 0.0% Minimum Rs.300/- Upto Rs.,000,000/- 0.05% Minimum Rs.450/- c Over Rs.,000,000/- 0.04% Minimum Rs.000/-..3 For Students depositing fees/dues 0.50% of fees/dues or Rs 5/- of eductionl Institutions per instrument which ever is less HEC/Bord etc..4 Issunce of T.T. For Scheduled Bnk / Finncil Institutions %. Issunce of Duplicte Drft. For ccount holders Rs.35/- For non ccount holders Rs.45/- (iii) Fx Chrges on TTs. Actul, Minimum Rs.00/- ( or SWIFT chrges) (iv) Telephone chrges on Rs.5/- (Flt) issunce of T.Ts (v) Postge on MTs. Actul, Minimum Rs.35/- if sent y Registered post loclly, Rs.0/- if sent y Registered post Inlnd on prty s request (vi) Courier Chrges. Locl Rs.0/- Inlnd Rs.00/-.3 Cncelltion For Account holder Rs.5/- (Flt) For Non-Account holder Rs.35/- (Flt).4 Inter Brnch Trnsction DOMESTIC BANKING (Bnk chrges/commission given hereunder re exclusive of ny FED/Txes pplicle s per Lw) Fund Trnsfer Csh Trnsctions Sttement of Account Within City Rs.0/- Outsttion Rs. 0/- Withdrwl Rs.0/- Deposits Rs.0/- Rs.45/- Rs.0/- (Flt) 0.0% & Min.Rs.35/-(Flt) Rs.5/- (Flt ) from student for..3 For Students depositing fees/dues of eductionl Institutions HEC/Bord etc. Issunce of Duplicte Py Order For Account holder For Non-Account holder Cncelltion For Account holder For Non-Account holder CALL DEPOSIT RECEIPT Issunce of Cll Deposit Receipt For Account holder For Non-Account holder Rs.00/- (Flt) Rs.350/- (Flt) Rs.5/ Rs.5/ PAY ORDER Issunce of Py Order:- For Account holder For Non-Account holder Rs.0/- Rs.30/-

7 For Non Account holder Issunce of Duplicte Cll Deposit Receipt For Account holder Rs.5/- Rs.350/ INLAND LETTERS OF CREDIT Opening of L/C Annul Business per qurter or prt thereof Upto Rs.50 (M) 0.40% Upto Rs.5(M) 0.35% Upto Rs.00(M) 0.5% Aove 00 (M) Negotile As per prior writhen rrngement with client Minimum Rs.,500/= 4. Amendment Chrges Without increse in mount or extension in period of shipment Rs.000/- (Flt) Involving increse in mount nd/or extension in period of. shipment Rs.00/- per trnsction/commission s per item s ove. 4.3 Advising/Amendment/Confirmtion Chrges of (Inwrd) Inlnd L/Cs. Sme s pplicle in cse of Aove Rs.500(M) Export L/Cs Rs.000/- (Flt). Chrges negotile on cse to cse sis under pprovl of Business Group Hed. 4.4 Inlnd L/C cncelltion Rs.000/- (Flt) chrges (M) BILLS Collection Documentry Bills Clen (including cheques/ dividend wrrnts / nk drfts etc) 0.40% Minimum Rs.00/- plus postge/courier chrges. 0.5% Minimum Rs.50/- plus postge/courier chrges s mentioned ove,mximum Rs0,000/- No commission should e chrged on out sttion cheques, drwn on plces where there is n office of the nk, which re received from Government Deprtments for credit to Government Account. This wiver does not pply to outsttion cheques tendered y the PUBLIC in pyment of Government dues upon which the Bnk s usul chrges should e levied. As per Zkt & Ushr Ordinnce 90, (Amended in 99) nking services nd services connected with the ssessment collection or disursement of Zkt & Ushr relizle on compulsory sis under this ordinnce re to e rendered free of chrge. Hence no collection chrges shll e recovered on cheques drwn on Centrl Zkt Fund for crediting to ccount of their eneficiry. For own cheques/ DD/PO Purchse of ills, cheques etc. Documentry Bills other thn those drwn ginst Letters of Credit 0.5% Minimum Rs.00/- plus pplicle postge/courier. Mximum Rs5,000/- 0.40% Minimum Rs.400/- plus 5000/=

8 NOTE: () () Clen Bills (trde cheques, nk drft etc.) 0.40% Minimum Rs.00/- plus pplicle postge/courier chrges. Mximum Rs5,000/- Postge/Courier Chrges re to e recovered on collection/ reliztion of ech instrument (whether clen or documentry) However, in cse where prty hs deposited more thn one cheque/ instrument on prticulr dte to e collected/drwn on the sme rnch of the Bnk, postge/courier chrges re to e recovered (once only.) Collection of cheque of smll mount my e effected through norml dk (other thn courier) if specilly requested y the prty in writing for which he will e responsile for the dely. 00/= 5000/= NOTE: () () (c) Other cheques/demnd instruments (Like dividend wrrnts). 0.0% Minimum Rs.0/- (c) (d) (e) (f) 5. Collecting gent s chrges if the Collecting nk is other thn the Bnk will e extr. Telephone Chrges will e extr, if fte of the instruments is sked for y Telephone Returning Chrges for Documentry & Clen Collections,In cse the instruments re returned unpid. Mrk-up on ills purchsed/ Negotited. Rs.30/- +Courier Chrges s ove (Documentry) Rs.0/-+Courier Chrges s ove (Clen). 30/= 0/= (d) (e) (f) 5. If retired upto st dys KIBOR +.5% p.. from the dte of purchse ut during next 0 dys Storge Chrges. i) No Chrges if clered within 3 dys of its receipt y the Brnch. ii) Rs. /- per pcket per dy Min. Rs.50/ Documentry ills drwn ginst Inlnd Letters of credit. Chrges for orrowing customers s per rrngements Sight Bills Negotiting end Negotiting 0.50% Min. Rs.00/- Collection Chrges Rs.550/- (Flt) (Inlnd L/Cs) Collection Chrges Rs.550/- (Flt) for restricted L/C (where Negotition is restricted to some other Bnks nd presented to us for forwrding). At opening end (t the time of retirement) rte of Mrk-up () If retired within 3 dys from the dte of lodgment 45 Piss per Rs.,000/- on dily product from the dte of negotition. 000/= () 3 3

9 () () () 5.5. () () (c) If retired fter 3 dys of lodgement 45 Piss per Rs.,000/- on dily product plus Bnk s 0.5% No mrk-up will e chrged from the dte of negotition till the dte of lodgment of documents received under Inlnd L/Cs where the pyment s per reimursement rrngement is mde to the negotiting nk only on receipt of documents. If negotition is restricted Forwrding Bnk/Brnchwould to some other nk chrge hndling chrges of Rs.400/- (Flt) per ill (commission will not Usnce Bills At opening end Hndling Chrges. If ills mtures fter expiry of L/C At Collecting end. Collection Chrges In cse of purchse. Discounting of Inlnd Usnce Bills e pplicle). Rs.0.40% per ill Minimum Rs.00/- t the time of retirement of ill Usul chrges s in () ove plus delivery of documents ginst cceptnce 0.0% per month on ill mount on relistion from the dte of delivery / cceptnce of documents, ut minimum Rs.500/ % Minimum Rs.500/- Usul Commission s in () ove nd keep mrk 0.5% for every 5 dys from the dte of purchse till the dte of mturity. 44 pis per Rs.000/- on dily product sis (or s per prior written rrngement with client) plus flt 0.%. All other chrges s per quote (5.4.4.) & (5.4.4.) nd ( 5.5..c ) ove wherever pplicle will e extr. 000/= (5.5.c) Usnce Bills () () () 5.5. () () (c) PROJECT FINANCES/ADVANCES Following Chrges my e recovered in-ddition to interest/mrk-up return on investment.. Project Appliction Fee (Non-refundle) Following chrges will e recovered in ddition to mrkup/return on Investment Miscellneous (i.e. chrges for documenttion, evlution of security nd mintennce there of etc.) At ctul, in ddition: Project exmintion 0.50% (flt) fter cceptnce of snction y the compny ut efore disursement of the totl mount of snction (Funded nd Non Funded Both) Minimum Rs.5,000/- Snction. Legl documenttion 0.5% Flt fter cceptnce of snction y the compny ut efore disursement of the totl mount of snction (Funded nd Non Funded Both) 4 4

10 3 Project monitoring 0.50% p.. pyle qurterly on outstnding mount (Funded nd Non Funded Both) 0.5% 3. () Directors serch / Chrge serch / Locl Credit Report / Independent stocks verifiction / independent credit report / Assets vlution. 4 5 Commitment p.. pyle qurterly on the un-disursed mount of snction (Funded only) Front End/Arrngement (Flt) wherever pplicle s per Bnk s discretion. ** Concessionl rtes re dmissile on cse to cse sis with.the pprovl of Hed Office ** At ctul, Minimum Rs.400/ () () Cross Border Credit Reports, The cost will e recovered s per Serch Reports from Du directives contined in.instruction nd Brdstreet, ICIL / BCIL etc. Circulr No./003 dted & 54/0 dted //0 or on revision mde y respective Group. III () (c) ECIB Chrges For Individuls Others Rs. 50/- Flt Rs. 00/- Flt (c).3 Miscellneous) Chrges for issunce of NOC For issunce of NOC t the request of customers /clients for creting dditionl/pripssu chrges/second chrges on their fixed ssets for cquiring further project finnce from other Bnks/Finncil Institutions. Rs.0,000/- (Flt) 0,000/=.3 () () Recovery of these chrges wived from: Clients hving totl fcilities exceeding Rs.00/-(M). Clients llowed fcilities under consortium finncing. () ().4 Redemption of chrge fee to e recovered from prty when nk officers re clled efore registrr for redemption of the mortgge Rs. 3,000/-.4 () () (c) Vction of Chrge with SECP. Registrtion of chrge with SECP. Registrtion of Chrge t Registrrs office. Rs.,000/- Actul + Rs.000/- per cse. Actul + Rs.000/- per cse. Actul + Rs.000/- per cse. Actul + Rs.000/- per cse. () () (c) 5 5

11 (d) To rrnge lien on securities issued y other Institutions Rs.500/- per trip. Rs.500/- per trip. To rrnge lien on securities issued y other Institutions (d). GODOWN CHARGES Godown Rent. Slries of Godown Keepers / Chowkidrs Godown Inspection Chrges. Without ny municipl limit. Actul Actul Actul Tretment Deit to prty ccount if Godown Inspection Chrges re up to. Rs 500/- for pyment to stff. Deit to prty nd credit to nk Income Account if Inspection chrges re more thn Rs.500/- nd reimursement of TA/DA chrges through deit to Expenditure Account with the pprovl of Competent Authority No such chrges will e recovered from the prties if Inspection of Godown y Regionl/ Hed Office Auditors / Externl Auditors nd occsionl surprise checking y Regionl Hedqurters etc. s it is prt of norml nk duty. Delivery Chrges If godown keeper is not posted Conveynce Chrges will e recovered. Other incidentl expenses: Insurnce premi. Legl Chrges. Hndling chrges on mrking of lien on Govt. Securities Actul. Actul Actul Rs.00/- (Flt) per customer (to e recovered y the Brnch where the lon is pplied) Mrking of lien on Securities issued y for other nks Rs.550/- (Flt) per customer.5 While recovering the miscellneous chrges like godown rent, godown stff slry, inspection chrges the mount recovered from the orrowers shll not exceed the totl rent of godown, slry of the godown stff etc. In other words miscellneous chrges should e levied s per ctul nd not ecome source of profit to the nk. However, reimursement of ctul conveynce chrges to e mde to concerned stff to the deit of Expenses Account fter proper pprovl of the competent uthority. STANDING INSTRUCTIONS FEE Stnding Instructions fee will e recovered in ddition to the usul chrges on remittnces, if ny. Rs.00/- per trnsction.

12 9 SALE AND PURCHASE OF SECURITIES SAFE CUSTODY ARTICLES IN SAFE DEPOSITS & SAFE DEPOSIT LOCKERS Sle nd purchse of shres nd Securities. Rs.0.50% upto Rs.0,000/- of purchse price or cost thereof Minimum Rs.50/-. Rs.0.0% on mount exceeding Rs.0,000/- - Minimum Rs.5/ 0,000/= 0,000/= Shres & Securities held in sfe custody s result of order of purchse executed through the nk (To e recovered up front) Rs.0.50% (Flt) per nnum or prt thereof of the fce vlue with the minimum of Rs.300/- 9. The ove chrges is in ddition to rokerge. Commission is not to e recovered on purchse of newly floted securities, where it is pyle y the Govt./ Govt. Agencies nd from the suscriers to new shres flottion. When orders for purchse or sle of shres/ securities re executed through the nks, other offices, ll incidentl expenses such s postge, insurnce chrges etc., incurred will e recovered in ddition to the commission / rokerge chrges. A rete of 50% in Sfe Custody Chrges will e pplicle to ll clients mintining Minimum lnce of Rs. illion or ove throughout the yer in NIDA Account Withdrwl fee on shres nd securities held in Sfe custody (to e recovered t the time of withdrwl.) Withdrwl fee on Government Securities % upto Rs.0,000/- of the pid up or fce vlue, Minimum Rs.50/- 0.5% on mount exceeding Rs.0,000/- Rs.0/- per scrip Where shre nd/or securities sold re from those held in sfe custody, either commission on sle of shres nd securities s shown ginst item (9.) or withdrwl fees s shown ginst item (9.3) whichever is higher, will e chrged ut not oth. 0,000/= 0,000/= Chrges for collection of interest/ return / dividend. Hndling Chrges for conversion, renewl, consolidtion or Su-division of Government. Securities 0.30% on the mount of interest/ return/ dividend collected/ pid, Minimum Rs.0/- Rs.0/- per Scrip Pulic Flottion of Shres/ Modr Certifictes/ Offer for Sle of Shres/Disinvestment/Term Finnce Certifictes Pyment of Dividend Wrrnts through designted rnches. Commission*@ 0.50% plus Out of Pocket Expenses - Actul (Suject to Negotition of Rtes Bses n Volume of Business) Min. Rs.0,000/- Commission*@ 0.50% plus Out of Pocket Expenses -Actul *Commission negotile on cse to cse sis. 0,000/= *Commission negotile on cse to cse sis

13 0 SAFE CUSTODY ARTICLES IN SAFE-DEPOSIT LOCKERS (iii) (iv) 0. (iii) (iv) Sfe Deposit fee (to e recovered in dvnce t the time of deposit or t the commencement of ech Qurter) For Boxes nd Pckges. For Envelopes. (Contents unknown) Rs.5/- per 00 cuic inches or ny prt thereof with Minimum of Rs.400/- per qurter. Sfe Deposit Lockers Fee for Sfe Deposit lockers (to e recovered in dvnce or t the commencement of the period yerly, hlf yerly, qurterly s the cse my e.) Upto 0.4 cft Smll Rs.,500/- per nnum From 0.4 to 0.0 cft From 0. to.35 cft Medium From.3 to.5 cft From. to.00 cft Lrge From.0 to.50 cft From.5 to 3.00 cft Extr- Lrge Rs.5,000/- per nnum Rs.0,000/- per nnum Rs.,000/- per nnum Rs.3/- per 5 squre inches or ny prt thereof with minimum of Rs.300/- Key Deposit Smll Rs.4,000/- Medium Rs.5,000/- Lrge Rs.,000/- Extr Lrge Rs.,000/- Breking Chrges. Deposit will pply t the time of issunce of new locker Service chrges for investment in Pkistn Investment Bonds (PIB) Custodil chrges. Rs.3,000/- per locker or Actul NIL 0,000/= 0. (iii) (iv) 0. (iii) (iv) GUARANTEES. Chrges for orrowing customers. Gurntees issued to shipping compnies in lieu of Bills of Lding or endorsement of copy of Airwys Bills in sence of originl Airwys Bill. Gurntees issued to Collector of Custom in lieu of pyment of Export Duty which re vlid upto months As per rrngement Rs.,500/- (Flt) 0.55% per qurter or prt thereof chrges 0.0% per qurter of prt there of in cse of 00% csh mrgin chrges 0.30%per qurter or prt there of in cse of lien Mximum Rs 000/- or s per prior written rrngement with client 000/=...3

14 ) ).4 Issunce of foreign gurntees (i.e eneficiries in foreign countries) directly or through correspondent nk/nk s foreign rnch/offices Amendments in (.4) ove. 0.40% per qurter or prt thereof Minimum Rs.,000/- plus correspondent nk chrges if ny. Swift/ US$ 0/-per /Swift messge Postge US$ 0/- per postge US$ 0/- per trnsction (flt) if mendment involves increse in mount or extension in period, in. ddition to commission s ove ).4.5 L/G under Suppliers/ Buyers Credit Py s You Ern Scheme 0.40% per qurter or prt thereof (t the time of issunce of L/G it is to e chrged on full mount of L/G liility plus interest pyle thereon for the period from the dte of issunce of LG/ till the expiry of L/G therefter commission is to e recovered on six monthly sis on outstnding/reducing liility s per revised Schedule of chrges pplicle on tht dte.) In cse forwrd cover is provided g i n s t L / G u n d e r Suppliers/Buyers Credit, L/G commission should e recovered t ooking rte for which liility voucher is to e pssed. This is due to the fct tht exchnge fee is eing recovered in dvnce. ).5. In cse of L/G under tking to e issued fvoring ny nk for providing forwrd cover exchnge risk under Suppliers/Buyers credit on ehlf of pplicnt. L/G commission to e per nnum to reducing liility on ooked rte Minimum Rs.,000/-.. Other Gurntees Bsed on volume during Clendr Yer: Upto () Rs. 5 (M) 0.40% per Qtr or prt thereof () Rs. 30 (M) 0.30% per Qtr or prt thereof (c) Rs. 50 (M) 0.5% per Qtr or prt thereof (d) Rs. 00 (M) 0.0% per Qtr or prt thereof (e) Aove Rs. 00 (M) Negotile () () (c) (d) (e). 9 9

15 (iii) (iv) Minimum commission Rs.,000/- per nnum per gurntee wherever gurntee vlidity is less thn one yer. Min Rs 000/=. Gurntees issued ginst collterliztion of foreign currency deposit. Deposit upto US$ 500,000/- 0.5% per qurter or prt thereof Minimum Rs.,500/ - (% per nnum) US$ 500,000/=. (iii) (iv) Deposit more thn US$ 500,000/- upto US$ 5,000,000/- Deposit more thn US$ 5,000,000/- Amendments 0.5% per qurter or prt thereof Minimum Rs.500/- (0.5% per nnum) Nil Rs.300/- per mendment (Flt) or 0.40% per qurter or prt thereof if mendment involves increse in mount or extension in vlidity Minimum Rs.500/- Nil US$ 500,000/= US$ /= US$ /= (iii) (iv) All Gurntees issued y nk must contin specific mount nd expiry dte nd commission to e chrged from the dte of issue till expiry of the L/G up front. If period of Bnk Gurntee exceeds one yer thn commission e recovered on yer to yer sis. (iii) For clcultion purpose qurter would consist of 3 months strting from the dte of issue of Gurntee (Three clendr months will mke one qurter) (iii) (iv) Chrges my e wived ginst 00% csh mrgin kept in mrgin ccount. (iv) SAIBAN HOUSING SCHEME.. (iii).3 (iii) (iv) (v) Processing Fee for Govt. Employees (Irrespective of lon mount) Processing Fee for Others: Up to Rs.,000,000/- Other Costs Income Estimtion Lwyer s Fee (Stge-I) Lwyer s Fee (Stge-) Vlutor s Fee Vlutor s Fee for Construction nd LPC Cses Rs.500/- Aove Rs.,000,000/- nd up to Rs.4,000,000/- Rs.,000/- Rs.3,000/- Rs.,000/- Aove Rs.4,000,000/- Rs.5,000/- Rs.,000/- to Rs.,000/- Rs.,500/- to Rs.3,500/- Rs.3,000/- to Rs.4,000/- Rs.,000/- to Rs.5,000/- nd Rs.00/- to Rs.,500/- Per Visit Plese note tht Fees on different stges vries from Region to Region (iii).3 (v) All Stmp Duties, Legl Chrges, Documenttion, Govt. Duties, Levies nd other pplicle chrges nd duties shll e orne y the customer to the service provide/ Govt. Dept. 0 0

16 .4.5 (iii) (iv) Property Txes Services Chrges At Actul In cse of lte pyment, up to Rs.5/- per dy for overdue/defulted Rs.0,000/-. instllment. Amount from Rs.0,00/- up Rs.0/- per dy for overdue/defulted to Rs.0,000/-. instllment. Rs.0/- per dy for overdue/defulted instllment.exceeds Rs 0,000/- nd so on. In cse of Returned Cheques, Chrges for cheques returned unpid will e recovered s per Bnk s pproved schedule of chrges. 5/= 0/= 0,000/= 0,000/=.4.5 (iii) (iv) (v) c In cse of dely in construction Dely of to 9 dys Dely of 90 to 9 dys Dely of 0 + dys No Penlty % of outstnding mount Recll Finnce. (with the prior pprovl of Hed Office) (v) c. Erly Pyments: Prepyment of finnce ccount, full or prtil within 5 yers.will e suject to erly redemption % of the mount eing prepid. In cse of eyond 5 yers, no chrges. i ii iii ADVANCE SALARY Processing fees Verifiction Chrges In cse when Physicl, telephonic Vrifiction of pplicnt & DDO verifiction is done. In cse when only DDO Verifiction is done. E-CIB Report Chrges Rs.000/- or % of Lon Amount (Whichever is higher) Actul toverifiction Agency (Presently Rs. 450/-) Actul toverifiction Agency (Presently Rs. 0/-) Included in Processing fee % 000/= i ii iii iv Documenttion Chrges At ctul iv 4 ATM FACILITY Annul Renewl Fee Trnsction cost for customer using nother nk ATM under -LINK ATM/MNET ATM SWITCH Service ATM crd will e issued free of cost. However, nnul renewl fee of Rs.300/- will e chrged. Rs.5/- per trnsction Blnce Inquiry ATM Crd Lost / Replcement Chrges ATM Crd Pin Re-issunce Chrges Free, in cse of using -Link ATM, Rs.5/- in cse of using MNET ATM. Rs. 00/-. Rs. 00/

17 5 TARIFF FOR CORPORATE CUSTOMERS & MNCS With ggregte exposure of over Rs.500/- Million (Both funded nd non funded) nd in cse of ll MNCs L/C Opening gurntee issunce nd remittnce (Funds trnsfer) chrges. As per negotition with the customer. BANK CHARGES FOR GOVERNMENT BUSINESS.. IMPORT c Csh Letters of Credit Less thn Rs.50,000/- Rs.50,000/- nd ove. Non-reimursle letter of credit under Brter /Aid lons/authoriztion to py. /% (0.5%) of the vlue of the letter of credit. /% (0.05%) of the vlue of the letter of credit. 3/% (0.35%) irrespective of the vlue of the letter of credit. In ddition to ove, rnches will recover the ctul swift chrges where LCs re desired to e estlished through swift nd confirmtion chrges of foreign nk s if foreign nk s confirmtion is lso to e dded on opener s request. The ove concessionry rtes/chrges will pply only to those Letters of Credit which cover imports y the Government routed through Stte Bnk of Pkistn. In cse LC is received directly from the importing gency, norml chrges re to e recovered. 50,000/= 5. c.. MISCELLANEOUS CHARGES Service Chrges on Current Rs.50/- per month Accounts (excluding Accounts tht hve een clssified/ mrked/ flgged s dormnt, inopertive or unclimed ) with monthly verge lnce elow Rs.5000/-. Service Chrges on Foreign US$ 3/- per month or equivlent in Currency Accounts (excluding Accounts tht hve een other currencies. clssified/ mrked/flgged (Service Chrges not pplicle s dormnt, inopertive to Foreign currency ccounts or unclimed )with monthly verge lnce of employees [in service elow US$,000/- or retired] or their spouses) or equivlent mount in other Foreign Currencies. US$ 3/=..

18 .3 Duplicte/Additionl sttements of ccount Rs.35/- per sttement of ccount.3.4 Issunce of SBP/ Cheques. Rs.400/- per cheque 400/= Stop pyment of cheque Rupee A/c Rs.300/- per instruction. F.C A/c US$ 5/- per instruction EXTRA. Stop pyment chrges re to e levied one time for stop pyment instructions whether it is for one or more cheques. Clernce of Cheques where Clering House Fcility not estlished. Collection/encshment of profit coupons on Govt/ Sving Centers under lien to us Verifiction of test for other nks/prties Credit informtion report including credit report on foreign suppliers/ uyers. Registrtion of contrct with SBP in respect of privte foreign currency lon otined y orrowers in Pkistn from foreign lenders Confirmtion of lnces to uditors. Blnce Confirmtion Certificte (required y customer s other thn uditors) Issunce of new cheque ook in lieu of lost cheque ook (Rupee A/c only). These Chrges re in ddition to stop pyment chrges s prescried ove. No Chrges. Rs.50/- per trip. Rs.50/- (Flt) Foreign correspondent/reporting gencies chrges t ctul + SWIFT Chrges. Hndling chrges Rs.5,000/- (Flt.) Rs.500/- Rs.50/- per certificte USD $/- or equivlent in other currencies. Rs.50/- per request plus excise duty if ny.us$ /- in F.C Account. 5000/= US$ 5/= US$ Account closing chrges US$ 5/- for Foreign Currency or entire mount is elow US$5/- No chrges on closing of old frozen FC Accounts.4.5 Issunce of Cheque Book Miling chrges for Cheque Book Rs. /- per lef (plus excise duty if ny) Actul..5

19 ( ( No Chrges will e recovered from customers mintining deposit lnces of US$ 5,000/- nd ove or equivlent of Rs..00 (M) nd Bnk Stff re lso exempt from levy of this chrge. Chrges from employer on Slry Disursement Services. Rs.50/- per slry ccount per month. A numer of Commercil Orgniztions (other thn Govt.nd Semi-Govt. nd Autonomous Bodies) disurse slry to their employees through our rnches. Where such orgniztions do not mintin sufficient funds or route sufficient usiness through our nk to justify worklod ofslry disursement, nk is justified to clim chrges from them for the dditionl worklod.we cn not chrge individul ccounts under Prudentil Regultions.We cn however, chrge the employers\ where they do not mintin sufficient funds nor route ncillry usiness through our nk. We must chrge them for disursement of slry to their employees. Inlnd Trvellers Cheque (other thn if ny) Authorities to encsh cheques PRISM Trnsction Chrges All Internk Fund Trnfers (IFTs) including customer Trnsfers (RTGS) Government Securites Trnsctions (excluding Trnsction with SBP) Specil Sme Dy Clering through NIFT for cheques over 0.5 (M) 0.5% Minimum Rs.5/- No commission y issuing rnch ut chrges on purchse of cheques will e 0.0% Minimum Rs.5/-plus Courier Chrges. Rs00/- from Remitting Bnk. Rs.300/- per instrument. Collection chrges will not e recovered on cheques drwn on cities within ctchment re of sme NIFT office nd will e hndled s locl clering E.G. Islmd & Rwlpindi RTGS Chrges Rs 00/- From Buyer of Securities (Bnk Sending MT-54) Rs.50/- per Trnsction 0.5% ( IFTs ( Armed License Fee (Govt. of Sindh) Rs. 30/- Per chlln.5.3 Trfic Chlln Only Krchi Rs. 0/- Per Chlln.4.5 Utility Bills Commission Gs /Electricity / Bnk Certificte for the perpose of Vis/Income- Tx,etc Rs. /- As per greement with utility compnies. Rs. 50/- Flt per certificte 4 4

20 . c SMS Alert Chrges (Bnking trnsctions) Bsic: Premium: Pltinum:. Moile Bnking with Ufone c. Premture Encshment Policy Rs.50/- for upto 0 SMS Alert per month Rs00/- for 00 SMS Alert per month Rs.50/- for unlimited SMS Alert per month The Bnk reserves the right to refuse ny request for erly encshment(premture encshment) of term deposit efore its greed mturity dte. In the event tht the nk grees to Customer's request for premture encshment,the withdrwl of term deposit (fully or prtilly) efore mturity will e suject to premture encshment penlty nd ssocited costs/ chrges cn e deducted from the ccrued profit thereon. The cost/chrges of penlty in cse of erly termintion shll e determined s following:. Profit Rte: Rte of profit previling on dte of plcement or t the dte of premture encshment whichever is lower will e used for clculting profit for the period completed till the dte preceding the dte of premture termintion.. Premture Encshment Penlty Rte: The premture encshment penlty rte is pplicle on principl mount eing encshed sed on remining dys of the period s following: If remining period is yer or less thn one yer, 0.50% of the principl mount on the remining period. If the remining period is greter thn one yer thn % of the principl mount on the remining period. In cse penlty mount is greter thn the profit pid/ pyle,no profit will e pid to the customer nd only the principl will e pid. Any differentil in with holding tx or other government levies (rising out of the higher return pid to the customer erlier i.e. monthly,qurterly, etc sed on the pyout option of the originl tenure) will not e refund y the nk. If the certificte is plced for dys / 4 dys or month nd the sme is enchsed efore mturity, then the previling profit rte pplicle on PLS Sving Accounts will e pid t the time of premture encshment. in cse of monthly / qurterly or hlf- yerly py out,if the pyment mount exceeds the profit pid,the gross profit (lredy pid)will e recovered from the customer. Blnce Inquiry Mini Sttement Funds Trnsfer in / fund Trnsfer out Federl Excise Duty (FED) nd ll other pplicle Government levies on ny specified services will e chrged in ddition to the chrges mentioned here, If not mentioned otherwise. WAIVER OF CHARGES For customers mintining Monthly Averge Blnce of Rs.000 (M) nd ove in Current Account or Rs (M) nd ove in PLS Svings Account/NIDA Account. Commission on DD/TT/MT & py orders Cncelltion/Issunce/Duplicte Py orders Cheques returned unpid Stop pyment of cheques Nil Nil Nil Issunce of new cheque ook in lieu of lost cheque ook. Issunce of Duplicte sttement of ccount older thn one yer. Issunce of loose cheques. Commission on Overses Bills/Inlnd Bills for collection usiness. (Suject to recovery of postge, courier, fx, SWIFT Telephone chrges wherever pplicle). Nil Nil Nil. c. c

21 SME Processing Chrges Fresh, Renewls, Enhncements Proposls (Fund Bsed) Limit Amount Chrges upto Rs.5 (M) > Rs.5 (M) upto Rs.50 (M) Rs.50(M) upto Rs.00(M) >Rs.00(M) & Aove Limit Amount 0 upto Rs.5 (M) > Rs.5 (M) upto Rs.50 (M) Rs.50(M) upto Rs.00(M) >Rs.00(M) & Aove (Non Fund Bsed) Flt Rs. 5000/ % or Min of Rs.0,000/ % or Min of Rs.30,000/ % Chrges Flt Rs. 5000/ % or Min of Rs.0,000/ % or Min of Rs.5,000/ % 00/= 00/= Non Utiliztion /Commitment Chrges for Borrowers not Aviling / Under Aviling Snctioned Limit. (Fund Bsed) 00/= 00/= Limit Amount Unutilized limit upto 00% Unutilized limit upto 0% Unutilized limit upto 0% Unutilized limit upto 40% Unutilized limit upto 0% Limit Amount Unutilized limit upto 00% Unutilized limit upto 0% Unutilized limit upto 0% Unutilized limit upto 40% Unutilized limit upto 0% (Non Fund Bsed) Chrges 0. per month 0.0% per month 0.0% per month 0.04% per month 0.0% per month Chrges 0.05% per month 0.04% per month 0.03% per month 0.0% per month 0.0% per month Chrges Chrges One Time Trnsction /Amendment/ Minor Chrges/ Temporry Enhncement Both for Fund Bsed nd Non Fund Bsed Finnce Amount Finnce Amount Chrges 00% 0% 0% 40% 0% 00% 0% 0% upto Rs.5 (M) > Rs.5 (M) upto Rs.50 (M) Rs.50(M) upto Rs.00(M) >Rs.00(M) & Aove Rs.5,000/- Rs.,000/- Rs.,000/- Rs.0,000/- 40% 0% /= 000/= 000/= 0,000/= 00/= 00/=

22 INTERNATIONAL BANKING 0 IMPORTS 0 0. LETTER OF CREDIT Opening of csh Letters of Credit c d e f g ANNUAL VOLUME DURING A CALENDAR YEAR Ist Qtr. Ech Su. Or prt Qtr or prt thereof thereof. Upto Rs.0 (M) 0.40% 0.0% Upto Rs.50 (M) 0.35% 0.0% Upto Rs.00 (M) 0.30% 0.0% Upto Rs.50 (M) 0.5% 0.0% Upto Rs.500 (M) 0.0% 0.5% Upto Rs.,000 (M) 0.5% 0.0% Aove Rs.,000 (M) 0.0% 0.05% Minimum Amount Per LC Rs.,00/- Projected nnul volume is to e scertined nd got pproved y The competent uthority commitment letter from customer for pying difference in commission rising out of short fll in usiness commitment. L/C commission for the incresed liility should lso e recovered for un-expired L/C period. In cse, liility increses (due to exchnge rte fluctution) y virtue of providing forwrd cover to the customer fter opening of L/C. Revlidtion Commission. On expiry of L/C when the sme is Commission. revlidted, revlidtion commission should e recovered s is pplicle for opening of Fresh Letter of Credit, s in (9..)Rs 00 min ove. L/C commission will e clculted on the mount of liility s per exchnge rte previling on the dte of revlidtion. 0.0% 0.0% 0.0% 0.0% 0.5% 0.0% 0.05% 0.40% 0.35% 0.30% 0.5% 0.0% 0.5% 0.0% Rs.,00/- c d e f g Trnsfer Commission. When Letter of Credit is trnsferred to new.eneficiry, trnsfer commission should e chrged s pplicle in cse of Fresh Letter of Credit s in (9..) ove Min Rs Approvl from SBP from re-import of consignment ck to Pkistn. 0.. L/C Cncelltion Chrges 0. Non-reimursle Letter of Credit under Brter/ Aid/Lon nd uthoriztion to py. 0.. L/C under Suppliers/Buyers Credit, Py s you Ern Scheme nd Deferred pyment L/Cs for period one yer. Rs.,000/- (Flt) per cse. Rs.,000/- (Flt) Plus ctul SWIFT chrges % on st qurter nd 0.30% for ech susequent qurter or prt thereof Minimum of Rs.,500/- 0.40% per qurter or prt thereof (t the time of opening of L/C, it is to e chrged on full mount of L/C liility plus interest pyle thereon for the period from the dte of opening of L/C till the expiry of L/C,therefter commission is to e recovered on six monthly sis on outstnding/reducing liility s per revised Schedule of Chrges pplicle on tht dte)

23 In cse forwrd cover is provided g i n s t L / C u n d e r. Suppliers/Buyers Credit, L/C commission should e recovered t ooking rte for which liility voucher is to e pssed. This is due to the fct tht exchnge fee is eing recovered in dvnce If ills re to e drwn t Usnce under the ove Letter of Credit other thn Pyees nd Suppliers/ Buyers Credit nd deferred pyment Letters of Credit on yerly sis. Amendments. Issunce of Stndy Letters of Credit (i.e) eneficiries in foreign countries) directly or through correspondent nk/nk s foreign rnches/offices. Amendments. Mrk-up in cse of Import Bill under Import Letter of Credit. Bnk s commission on ills under Import Letter of Credit. In ddition to mrk-up s per 9..4 Bnk s commission is to e chrged s under: If retired within 5 dys from the dte of lodgment Rs. 500/- per ill (Flt) to e chrged t the time of retirement of ills. Extr 0.0% per month is to e recovered /chrged for the Usnce Import Bill for ny period eyond vlidity of Letter of Credit. Rs.,00/- per trnsction (Flt) or commission under item (9..) or (9.), if mendment involves increse in mount or extension period of shipment 0.40% per qurter or prt thereof Minimum Rs.000/- plus correspondent nk chrges if ny. Swift US$ 0/- per SWIFT messge. Postge US$ 0/- per postge US$ 0/- per trnsction (Flt) or if mendment involves (increse in mount or extension in period) commission s ove 40 Piss per Rs.000/- (or s per Snction Advice) on dily products from the dte of reimursement till the dte of retirement (i.e. 4.0% p..) OR Mrkup rte rrived t sed on month KIBOR (sk rte) % p.. whichever is higher. No commission US$ 0/= US$ 0/= US$ 0%

24 If retired during 0 dys susequent to the period s ove. 5 Piss per Rs.00/- on purchse price. 000/= 0..4 (iii) If retired during next 0 dys fter the period mentioned s ove. 0 Piss per Rs.00/- on purchse price (iv) c If retired during next 90 dys fter the period mentioned s ove. The Brnches in their notice to Importers will indicte the sle price (Mrked-up) y dding Rs..50 for ech Rs.00/- or prt thereof nd will recover mrk-up from the dte of reimursement to the dte of retirement of the ill y the client y pplying the Sl of rtes s per cluse 9..4 ove. Benefit of csh mrgin recovered t the time of opening of L/C will e given to the customers t the time of retirement of documents. No mrk-up will e chrged from the dte of reimursement till the dte of lodgment of documents received under Import L/Cs where the mount s per reimursement rrngement is mde to the negotiting nk only on receipt of the documents In cse of FIM the following mrk-up will pply*:- Regulr Credit Line Forced FIM In cse FIM is creted nd Bnk rrnges Clernce of consignment under Sight L/C. In cse Forced FIM is creted due to nonpyment on mturity ginst DA/Suppliers Credit L/C. 5 Piss per Rs.00/- on purchse price Mrk-up 43.3 Piss per Rs.,000/- on dily Product (or s per Snction Advice) ginst Regulr Credit Line under pproved rrngement. In cse of Forced Cretion of FIM Penl chrges to e recovered not exceeding Piss 40 per Rs.,000/- on dily product sis. 50 Piss per Rs.,000/- on dily products shll e chrged from the dte of cretion of FIM. 0.35% is to e Chrged (once only) in ddition to Piss 50 per Rs.,000/- from the dte of mturity till the dte of pyment. Bnk reserves the right to chnge the mrk-up rte on cse to cse sis (iii) (iv) c

25 Import Bills returned unpid. Collection Consignments. Import ginst dvnce pyment to suppliers. Service chrges ginst Import trnsctions i.e. Import Bills/PAD/ Collection. Reimursement chrges (pyle to reimursing Bnks.) ) Hndling of discrepnt Import Documents., US $ 5 (Flt) plus courierchrges 500/- to e recovered from the proceeds of the Bills remitted. ) Hndling chrges US$ 0/- (Flt) from forwrding Bnk. Plus Courier chrges if ny Rs.00/- (Flt) per collection provided no chrges re relized from the correspondent. 0.0% (Flt) hndling chrges t the time of registrtion of contrct/ purchse order/ Perform invoice Minimum Rs.500/- Rs.00/- (Flt) plus usul remittnce 0 Piss per Rs.00/- or Rs./- per mile. Minimum Rs.500/- At ctul. Chrges for orrowing customers s per rrngement Issunce of Bnk s NOC/Permission is suject to the recovery of ove chrges from customer. () () EXPORTS Processing Chrges for Export Registrtion. Rs.300/- (Flt) Returning chrges for export ills Rs.300/- (Flt)..... Letter of Credit. Advising. Amendment Advising. Rs.,500/- (Flt) Rs.,000/- plus courier chrges Negotition of Bills ginst Letters of Credit issued under Brter/Remittnce from SBP 0.5% Minimum Rs.50/-..4 Confirmtion. Suject to Arrngement (Plese refer your request to Finncil Institution & Csh Mngement Division)...5 Trnsfer of Export L/Cs. Rs.,000/- (Flt) If the documents re sent to other nks for negotition under restricted Letter of Credit. 0 0

26 .. Reimursement pyment to other locl Bnk from Non- Resident Rupee A/c. Rs.400/- (Flt) plus postl chrges If the documents re sent to other nks for negotition under restricted Letter of Credit. Collection. Rs.00/- plus courier chrges Clen Cheques/Drfts/FTCs. Rs.00/- per Collection (Flt) Documentry (on which nk do not ern ny exchnge difference) Rs.5/- per Collection (Flt)..4.4 Duty drw ck clims. 0.5% of the mount of clim Minimum Rs.300/- per clim Hndling of export documents ginst which dvnce pyment is received. Rs.400/- (Flt) plus postl chrges Service Chrges ginst export documents sent on collection sis where pyment cover is lredy received to our Foreign Currency Account. upto Rs.(50M) 0.0% Min Rs.,000/- ove Rs.(50M) 0.% Min Rs.,000/ Locl US Dollr Instruments Collection. Cheques / instruments drwn on rnches in Krchi. Cheques / instruments drwn on rnches other thn Krchi Cheques / instruments returned unpid Drwn on Krchi Drwn on other thn Krchi Rs.00/- Rs.300/- Rs.400/- Rs.500/- Export Proceeds Reliztions under Foreign Bills purchsed & Negotited (FBPN) Account For Sight Exports Bills Negotition After Dys till the dte of Reliztion Up to dys No Mrkup Mrkup rte rrived t sed on Month KIBOR. (sk rte) % p.. should e chrged

27 .. For Usnce Export Bills Negotition: After Mturity Dte till the dte of Reliztion: Up to ctul Mturity dte No Mrkup Mrkup rte rrived t sed on Month KIBOR (sk rte) % p.. should e chrged... REMITTANCES OUTWARD Foreign Trveller Cheques. % of the mount of Trveller Cheques sold Min. Rs.00/-.. Remittnce rod through Foreign Currency Account. US$.00 per US$,000/- or prt thereof Min. US$ 5.00 Mximum US$ 5.00 plus / SWIFT chrges...3 Remittnce ginst surrender of F.C. s or csh deposited in F.C. Account within 0 dys from the dte of such deposits. In ddition to chrges mentioned under... Service chrges t.0% to e recovered in cse the remittnce mount exceeds US$ 5,000/- or its equivlent in other foreign currencies. Service to e recovered from the customers in cse csh deposited in FC Account is encshed /converted into Pk Rupees within 0 dys from the dte of such deposit Inwrd Collection received (relting to F.C Account) from rod or locl nks/ rnches nd where the pyment is demnded in Foreign Currency. Inwrd cheques expressed in foreign currency drwn on foreign currency A/cs received from locl /upcountry nk s rnches for pyment in Pk Rupees fter conversion t uthorized delers uying T.T clen rtes. US$ 3.00 per US$,000/- or prt thereof Minimum US$ 3.00 Mximum US$.00 Piss 5 per Rs. 00/- Minimum Rs.00/-... () Remittnces rod other thn through Foreign Currency Account. Students (for eduction purposes) Rs.00/- plus SWIFT chrges () Other thn students. Rs.50/- per US$,000/- Min. Rs.00/- nd Mx. Rs.500/- plus SWIFT chrges for telegrphic trnsfer or usul postl chrges s prescried.

28 (c) (d) (e) (f) (g) :..... Service Chrges ginst issunce of Foreign Demnd Drfts (FDDs) Foreign Telegrphic Trnsfer (FTT)& Trvellers Cheques (TCs) ginst Pk Rupee. FDD/FTT/ Cncelltion Chrges for foreign currency ccount Issunce of Duplicte FDD. Foreign Bills sent for collections returned unpid Stnding Instruction Chrges in Foreign Currency Accounts. Chrges for Cheques returned unpid (when fult lies with the customer) to e recovered from the client on Whose ehlf the instrument is eing collected nd collecting nk will pply these chrges. In cse erer cheque returned on the counter no such chrges will e pplicle. Issunce of the Bnk's No Ojection /Permission is suject to recover of ove chrges from the Customer. I N W A R D Home Remittnce Piss 0 % or Rs./- per Rs.,000/-. Commission on issunce of PKR TC Rs 5/- per lef. Rs.300/- per item plus SWIFT/ postge chrges. Rs.500/- plus usul SWIFT/ postge chrges. Rs.350/- (Flt) plus SWIFT chrges plus corrospondent Bnk's chrges if ny. US$.00 per instruction Rupee Account 50/- per cheque. F.C. Account US$ 5/-per cheque No Chrges (Zero Triff) Nil, if proceeds re credited to n ccount with the drwee nk. In other cse flt chrges of Rs.0/..3 Encshment (Purchse) of Trveller Cheques. Rs.300/-(Flt)..4 Service Chrges Piss 5 per Rs.00 /- pyment of Inwrd Foreign Minimum Rs.00/- Drfts/Foreign Mil Trnsfers where pyment is mde to eneficiries fter pyment cover is received to our Foreign Currency Account. These chrges re to e recovered only when T.T uying rte is pplied...5 Commission/Hndling Chrges on Deposits of Currency notes for the credit of Foreign Currency Accounts. Nil, if no remittnce effected within 0 dys of the dte of deposit, otherwise remittnce chrges s per schedule (..) 3

29 .. Collection of Foreign Currency Accounts : collection ove US$,000/-. Issunce of Bnk s No ojection/permission is suject to recovery of ove chrges from customer. MISCELLANEOUS. Postge/Fx/Courier/Swift Postge (Ordinry) Postge (Registered) Fx/Telephone SWIFT Courier Issunce of proceeds certificte eyond one Yer. Issunce of Business Performnce certificte t customer s request US$ 5.00 for collection upto US$,000/-, US$ 5.00 for At ctul suject to Minimum, s under :- Locl Rs.5/- Inlnd Rs.40/ Locl Rs.30/- Inlnd Rs.50/- Foreign Postge t ctul Min. Rs.00/- Rs.00/- ( Flt ) Foreign: ) Full SWIFT L/C/ Gurntee nd long Messge Rs.,00/- for full messge, for short messge Rs.500/- ) L/C/Gurntee mendment, Telegrphic Trnsfer nd Miscellneous messges Rs.,00/- for full messge, Rs.500/- for short messge. ) ) c) Locl Rs.0/- Inlnd Rs.00/- Foreign: Actul, Min Rs.00/- Rs.500/- (Flt) per certificte. Rs.00/- (Flt) per certificte. US$ 5/= US$ 000/= US$ 5/= US$ 000/= ) ) : ) ) c)

30 AMENDMENTS & NOTES 5 5