Transcript

Contents

DOMESTIC BANKING Page No.

INTERNATIONAL BANKING

A. Remittances 01B. Bills 02C. Project Finance/Advances 03-04D. Sale / Purchase of Securities, Custody of

Articles in Safe Deposit & Safe Deposit LockersE. Guarantees 06-07F. Local Trade Business 07-08G. Miscellaneous Charges 09-11

A. Imports 22-23B. Exports 23-24C. Remittances 25-26D. Miscellaneous 26-27

UBL Signature - Priority Banking 12

Bank Charges for Government Business 13

Branchless Banking 14-15

Important Notes 27

Consumer Banking

05-06

16-21

22-27

DOMESTIC BANKING

01

3) Inter Branch Online Transactions- Both Within City & Intercity a) Cash Deposits (Charges are to be recovered from the Depositor) i) Within City ii) Intercity b) Online Funds Transfer/Cross Branch Transfer (Charges are to be recovered from the remitter) i) Within City ii) Intercity

c) Cash Withdrawals (Charges are to be recovered from the Beneficiary)

i) Within City ii) Intercity

i) Within City ii) Intercity

Free0.10%, Min. Rs. 250/-

Free0.10%, Min. Rs. 250/-

Free0.20%, Min. Rs. 300/-

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54200150 0640404) Inter Branch (a/c to a/c) Foreign Currency Fund Transfer

Same as 1(a) above

Particulars Charges

1) Cashier's Cheque a) Issuance of Cashier's Cheque

2) MTs a) Issuance of MTs

A. REMITTANCES

0.10%, Min Rs. 200/-0.25%, Min Rs.300/-(Including communication charges)

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Through A/cThrough Cash: (For non account holder)

Rs. 0.2% or Min Rs. 300/-

b) Cancellation of Cashier's Cheque c) Issuance of Duplicate Cashier's Cheque d) Issuance of instrument for payment of fees/dues in favor of Educational Institution HEC/Board etc.

Rs. 300/- (flat)

0.50% of fee / dues or Rs.25/-

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Up to Rs.100KAbove Rs.100K

Rs. 150/- (flat)

Rs.225

per instrument whichever is less.

Through A/cThrough Cash

Note:Where Online system is down, remittance may be sent by other means but UniRemote charges will be

See Page 10 & 11 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 & allonline transactions should be treated as within city.OBC charges for Intercity UniRemote transactions would not apply.

recovered.

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5) DD/MT/PO Cancellation Charges

6) Issuance of SDR (Security Deposit Receipt)(Complete waiver on issuance of SDRs amountingRs. 50,000/- and above on the discretion of the BranchManager).

Through A/c

Rs. 200/- (flat)7) Duplicate SDR / TDR / FDR Issuance Charges

0.10%, Min. Rs. 100/-Rs. 500/- per application

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8) Rupee Travelers Cheques

a) Issuance of Rupee Travelers Cheques b) Refund in Lieu of Lost Rupee Travelers Cheques

FreeThrough Cash Rs. 350/- (flat)

The Inter Branch (account to account) Foreign Currency Fund Transfer facility will be avaialbe on CBSbranch only)

made according to prescribed tariff (wherever applicable)

Charges negotiable on case to case basis under approval of relevant Business Head.In addition to the charges above, all applicable Government levies will also be recovered.

In addition to above, commission/service charges, recovery of courier/postage / fax charges will also be

UniBankCBS SL Code

SAR 20/-

FreeUSD 5/-GBP 3/-EURO 4/-AED 20/-

Rs. 500/- (flat)

Charges

Rs. 300/- (flat) (Including NIFTcharges)

DOMESTIC BANKING

Particulars UniBankCBS

1) Clean (including cheques / dividend warrants / bank 0.25%, Min. Rs. 250/-

Intercity Clearing Charges

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Max Rs. 10,000/-

02

drafts/ Intercity clearing through NIFT etc).

B. BILLS

SL Code

In case urgent collection of local cheque of Rs. 0.500/- mln and below additional charges of Rs. 200/-per collection and of Rs. 0.500/- mln and above additional charges of Rs.300/- per collection.Postage / courier charges are to be recovered on collection / realization of each instrument (whetherclean or documentary). However, in case where party has deposited more than 1 cheque instrument onparticular date to be collected /drawn on the same branch of the bank, postage / courier charges are tobe recovered once only.Collecting agent's charges, if the collecting bank is other than the bank, will be extra.Trunk call charges will be extra, if rate of the instruments 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 orwithin 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.

54 paisas per Rs. 1,000/- perday plus Bank’s commision@10/- paisa per Rs. 100/-

2) Purchase of Bills:a) Documentary other than those drawn against

Letter of Credit54206300 0640100.40%, Min. Rs.500/- plus

markup from the date ofpurchase to the date ofpayment

c) i) Returning charges for documentary / cleancollections from payee account in case theinstruments are returned unpaid

ii) Returning charges for documentary / cleancollections from drawer account in case theinstruments are returned upaid

d) Mark-up shall be applied as under on billspurchased / negotiated:

i) If retired upto 21st day from the date ofpurchase

ii) If retired during next 210 days

e) Storage charges

0.60%, Min Rs.250/-

Rupee account - Rs.400/- pertransactionFCY a/c US $ 10/-per transaction

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Rupee account - Rs.400/- pertransaction F.C. account - US$ 10/- per transaction

54 paisas per Rs.1,000/- perday on actual finance.

Min Rs.50/-

i) No charges, if cleared within3 days of its receipt by thebranch.ii) Rs. 1/- per packet per day

b) Other cheques / demand instruments(like Dividend Warrants)

In addition to the charges above, all applicable Government levies will also be recovered.

Note:In addition to above, commission/service charges, recovery of courier/postage / fax charges will also bemade according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head.

At Actuals

Commercial Advances including Funded and

d) Trusteeship fee (to be recovered by the lead

facilities amount, whichever is

Applicable to staff only inT.A. & D.A. as per rules.

DOMESTIC BANKING

Particulars Charges SL CodeUniBankCBS

C. PROJECT FINANCE /ADVANCES

03

Following charges may be recovered in addition tointerest / markup / return on investment

b) Commitment fee (on undisbursed balance) fromthe date of sanction to the date of disbursement(on fund based commitment only)

On case to case basis as peragreement with the party.Plus FED charge to berecovered

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recovered

c) Legal documentation fee for Trade Related /Project Finance

On case to case basis as peragreement with the party.Plus FED charge to be

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bank in case of consortium financing)On case to case basis as peragreement with the party.Plus FED charge to berecovered

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2) Evaluation charges of property for security Purpose

Above Rs. 100 min

4) For finance against pledge / hypothecation:

a) Godown Rent

Negotiable with subject to aminimum of Rs. 50,000/-

At Actuals

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Above Rs.1 mIn Upto Rs.100 mln Fresh/ enhancement/ renewalCA Rs. 7,500 or 0.05% offacilities amount, whichever ishigher.

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. PlusFED charge to be recovered

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e) Restructuring and Re-scheduling fee On case to case basis as peragreement with the party.Plus FED charge to berecovered

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f ) Restructuring and Re-scheduling fee for SAMrelated projects

On case to case basis as peragreement with the party.Plus FED charge to berecovered

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Upto Rs. 1 mIn Fresh/ enhancement/ renewalCA Rs. 5,000/- 0.7% of

higher.

54202200 0780573) Non-Refundable Processing Fee for SME /

Non-Funded Facilities

b) Godown staff salaries of Godown Keepers /Chowkidar.

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c) Godown Inspection Charges Shall be credited to Bank'sIncome Account

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i) Within municipal limits or within a radius of 10kilometers from the branch

Rs.200/-Rs.500/-Rs.1,000/-Rs. 2,000/-

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Upto Rs.1 mlnAbove Rs.1 mln to 5 mlnAbove Rs.5 mln to 10 mlnAbove Rs.10 mln

Plus actual conveyancecharges(Max. one visit per month)

ii) Outside the above limits

addition to charges at 'c (i)’above

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iii) Seasonal lending (cotton, rice etc.) 57800700 080010

Upto Rs.5 mlnAbove Rs.5 mln

Plus T.A. & D.A. as per rules.Applicable to staff only

Rs.300/-Rs.500/-

At Actuals

Charges negotiable on case to case basis under approval of relevant Business Head.

the party when bank officers are called before

DOMESTIC BANKING

Particulars Charges

d) Delivery Chargesi) If a Godown Keeper is not posted, conveyance

charges will be recovered

ii) Directors search / charge search / local creditreport / independent stocks verification /independent credit report / assets valuation

iii) CIB Report

e) Other Incidental Expenses:Insurance Premium, Legal Charges etc.

f ) Handling charges on marking of lien on Govt.Securities

g) Marking of lien on securities issued by UBL forother banks

5) Other Charges on Advances

a) For the Issuance of NOC on the request ofcustomers for creating additional/ pari-passucharge/second charge on their fixed assets foracquiring further project finance, finances fromother banks/financial institutions.

b) For the Issuance of NOC on the request ofcustomers for creating charge on their currentassets.

6-a) Redemption of charge fee to be recovered from

Registrar for redemption for the mortgage.

b) Vacation of Charge

7-a) Registration with SECP & Lawyer's charges forboth Private & Public limited companies wherecharge on current or fixed assets is registered

b) Registration of charge at Registrar's office.For Partnership/Proprietorship firms/individualfinances exceeding Rs.0.500 (M) for mortgageat registrar of Property office

8) Agri Proposal Processing Fee on Booking of NewCustomers/Fresh Facility or Enhancing the Limit

At Actuals

At Actuals

Rs.500/- (flat) per customer

Rs.500/- (flat) per customer

Rs.10,000/- (flat) pertransaction

Rs.10,000/- (flat) pertransaction

Rs.2,500/- (flat) per Property

Rs.1,000/- per case

Actual plus Rs. 1,000/- percase

Actual plus Rs. 1,000/- percase)

i) Rs.1 000/- for Fresh FarmLoans/Enhancements of limitsup to Rs.1 mln

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For Consumer Rs.100/- (flat)Rs. 300/- other than consumer

ii) Rs.2,000/- for Fresh Farm /Enhancements of limitsexceeding Rs.1 mln

iii) Rs.3,000/- for all Non Farmlimits (Fresh / Renewals /Enhancements)

Note:In addition to above, commission/service charges, recovery of courier/postage / fax charges will also bemade according to prescribed tariff (wherever applicable)

In addition to the charges above, all applicable Government levies will also be recovered.

SL CodeUniBankCBS

No charge on credit A/c

(Ref page No.1,( 1-a )

each

No NIFT charges if MICR

D. SALE AND PURCHASE OF SECURITIES,

8) NIFT charges on the Dividend Warrant

DOMESTIC BANKING

Particulars Charges

2) Sale and purchase of shares and securities

3) Shares and securities held in safe custody (torecovered on quarterly basis)

5) Withdrawal fee on Govt. Securities

Rs. 500/- flat per transaction

Rs. 850/- flat per transaction

Rs.10/- per scrip, Min. Rs.50/-

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SAFE CUSTODY ARTICLES IN SAFEDEPOSIT AND SAFE DEPOSIT LOCKERS

1) Refund to unsuccessful applicants for IPOsa) For A/c holderb) For non A/c holder Same as Cashier's Cheque

b) Late payment charges

*Late payment charges will be taken once annuallyafter rent is overdue for more than 30 daysc) Breaking Charges

14) Investor Portfolio Securities (IPS) Account -Domestic Clientsi) Custodial Charges

10%* of the applicable annuallocker rent every year

Rs.2,500/- (flat) per Locker

NIL

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(plus over due yearly rent)

ii) Transaction Charges (Sale & Purchase) Rs. 500/- per transaction

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iii) Security Movement/Transfer Charges Rs. 500/- per transactioniv) IPS Statement Quarterly Free

On Demand Rs. 100/- perstatement

Safe deposit lockers fee to be recovered in advance at the commencement of theperioda)

13) Lockers

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4) Withdrawal fee on shares and securities held in safecustody (to be recovered at the time of withdrawal)

0.25% upto Rs.10,000/-of thepaid-up or face value and0.125 % on amount exceedingRs.10,000/- Min Rs.50/-

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expenses Rs. 8,000/-

6) Charges for collection of interest / return / dividend 0.30% on amount of interest /return dividend collected/paidMin Rs.20/- plus out of pocket

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7) Stop payment Charges per Dividend Warrant

9) Handling charges for conversion / renewal /consolidation or sub-division of Govt. securities

10) Public flotation of shares / Modaraba Certificates/ Offer for sale of shares / Disinvestment / TermFinance Certificates

11) Issue of Right shares

Rs.150/- flat

codes are on the DividendWarrant otherwise Rs. 10/-

Rs.20/- per scrip

Commission @ 1% plus out ofexpenses, Min. Rs.25,000/-(subject negotiation of ratebased on volume of business)

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12) Articles in safe deposit - Envelopes Rs.2/- per 25 square inchesor part thereof, Min. Rs.300/-per quarter

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Commission @ 0.50% onaggregate amount of successfulapplication plus out of pocketexpenses, Min. Rs.15,000/-(subject to negotiation of ratebased on volume of business)

Annual feeKey Deposit (One time only)

Small2,500/-2,000/-

3,500/-2,500/-

5,500/-3,000/-

6,500/-3,000/-

Medium Large Extra Large

SL CodeUniBankCBS

against counter guarantee of Foreigncorrespondent bank and Performance Bonds,Bid Bonds, Advance Payment Min US$ 100Guarantees, etc.

DOMESTIC BANKING

Particulars Charges

15) Investor Portfolio Securities (IPS) Account -International Clients (SCRA)i) Custodial Charges Upto Rs.100/- min - 0.05% p.a.

per issue54202600 065015

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ii) Primary Market Participation Feeiii) IPS Statement

iv) Security Movement/Transfer Charges

Above Rs.100/- min 0.025%p.a. per issue5 bps per transactionQuarterly Free:On Demand Rs. 100/- perstatementRs. 500/- per transaction

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Note:In addition to above, commission/service charges, recovery of courier/postage / fax charges will also bemade according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head.In addition to the charges above, all applicable Government levies will also be recovered.

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E. GUARANTEES

1) Guarantee issued to shipping companies in lieu ofBills of Lading / Endorsement of Airway Bills,

2) Guarantees secured by cash margin / lien overdeposits

3) Consortium / Syndicate Guarantees

4) Other GuaranteesWhere total volume of guarantees being issued onbehalf of customer during a calender year is:

Upto (a) Rs.25 mln

(b) Rs.50 mln

(c) Rs.100 mln

(d) Over Rs.100 mln

Rs.1,500/- (flat) 54203050

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0.50% per quarter or partthereof, Min. Rs.500/-

As per Term Sheet applicablefor the entire Syndicatemembers

(Quarter will start from thedate of issuance of Guarantee)

0.50% per quarter or partthereof0.40% per quarter or partthereof0.35% per quarter or partthereofNegotiable (see note below)Minimum CommissionRs.2,000/- per annum perGuarantee or Rs.600/- perquarter wherever Guaranteevalidity is less than one year.Charges may be waivedagainst 100% cash kept inMargin Account

5) a) Back to Back guarantees including issued As per Other Guarantees,Clause 4, above (commissionsubject negotiations withclients and correspondentarrangements) Min US$ 100

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6) Amendment

b) Counter Guarantee issued by us for guaranteeissuance abroad

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As per Other Guarantees,Clause 4, above (commissionsubject to negotiations withclients and correspondentarrangements) Min. 100 US$

Rs.1,200/- per amendment(flat) or commission at ratespecified above if amendmentinvolves increase in amountor extension in period. Incaseof back to back Guarantee:

specified under item 5 (a) and(b) above, if amendmentinvolves increase in amountor extension in period.

US$ 75 or commission at rates

SL CodeUniBankCBS

F. LOCAL TRADE BUSINESS

DOMESTIC BANKING

Particulars Charges

7) Service charges for handling claims lodged bybeneficiarya) Guarantees issued at customer's request within

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)

USD 120 (flat)

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1) Local Imports LCa) Inland Letters of Credit issuance

b) Inland LC Amendment charges

c) Swift Chargesi) LC Issuance

d) Courier Chargese) Duplicate Advicesf) FED invoice certificateg) Inland LC Cancelation Charges

2) Local Import Bills

Upto 0.4% per quarter or partthereof Min Rs. 2,200/-

above if increase in amount.

Min. Rs.1,000/- or actualwhichever is higherRs.200/- per LC & AmendmentRs.350/- per duplicate adviseRs.1 ,000/- per certificateRs.2.000/- plus swift andcommunication charges

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Min. Rs.2,000/- or actualwhichever is higher

ii) Amendment Issuance

plus commission as per itemRs.1,500/- (flat) per transaction

ii) Retirement of bills

a) Sight Bills

i) Collection charges for Inland LC / Restricted LC& Handling of Inland Import Documents againstPAD Bill (Sight Bill)

Rs. 1,500/- (Flat) per bill 54206300 064003

communication charges

e) Duplicate Advices

f ) FED Invoice Certificate

g) Handling of Inland LC Documents with Discrepancies

Rs.350/- per duplicate advise

Rs.1,000/- per certificate

Rs.3,000/- (flat) plus swift &

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60 paisa per Rs.1,000/- per• If retired within 3 days from the date of lodgment in PAD day from the date of

negotiation

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• If retired after 3 days from date of lodgment in PAD

65 paisa per Rs. 1,000/- perday from the date ofnegotiation plus Bank’scommission @ 0.25% on thePAD amount created

b) Usance Billsi) Collection Charges 0.40% per bill Min. Rs.1,200/- 54206300

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064003ii) If bill matures after expiry of LC Charges under b) i) plus

delivery of documents againstacceptance commission @0.10% per month on billamount realization from thedate of expiry of LC

c) Payment of Bill drawn under Inland LC Payment commission;Rs.600/- (flat)

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d) Inland LC Documents Returned Unpaid Rs.3,000/- plus swift & couriercharges

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SL CodeUniBankCBS

Pakistan

In addition to above, commission/service charges recovery of courier/postage / fax charges will also bemade according to prescribed tariff (wherever applicable)

to prior approval by concerned sanctioning authority.The Bank reserves the right to charge different rates on the basis of volume and security offered subjectNote:

In addition to the charges above, all applicable Government levies will also be recovered.Charges negotiable on case to case basis under of relevant Business Head.

54206550 064051As per FIG arrangement

DOMESTIC BANKING

Particulars Charges

h) Issuance of Business Performance Certificate ofPrevious Years at the Customer Request

Rs.3,000/- (flat) per Certificate 54206850 64003

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Rs. 250/- per duplicate advise

Rs. 1,000/- per certificate

d) Duplicate Advices

e) FED Invoice Certificate

f ) Negotiation of documents drawn under Inland sightLetter of Credit.

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Rs.1,200/- (flat)a) In Land Export LC Advising

i) LC Advising

Rs.800/- (flat)ii) LC Amendment Advising

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Rs.150/- (flat)iii) Postage/Courier Charges for LC &AmendmentAdvising

iv) Inland LC Confirmation charges

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0.4%, Min Rs 1,000/-b) Collection of Documentary Bills drawn under inlandLC and purchased by Bank

0.90%, Min Rs 1,000/-i) Above, mark-down for every 15 days from thedate of purchase till the date of maturity

If discounted later on, marked down rate to beobtained from treasury through business

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c) Documentary bills drawn against Inland Letter ofCredit Sight billsi) Negotiating End

Rs. 1,000/- (flat) per bill

Rs. 500/- (flat) per bill will becharged by the forwardingbranch

Rs. 150/-

ii) Collection charges for inland LC / restricted LC

iii) If negotiation is restricted to some other bank

iv) Postage/Courier Charges for LCs &Amendments Advising

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Negotiation [email protected]%, Min. Rs. 1,000/-

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Mark-up rate@ 60 paisa perRs. 1,000/- per day to becharged

If proceeds not realized / credited to our customer'saccount within 12 days than mark-up is applicableto customer. NICF facility will be charged for anydelay beyond 12 days. Incase no NICF facility tocustomer than mark-up will be charged

Mark-up rate@ 60 paisa perRs. 1,000/- per day to becharged

Negotiation (Usance) (Delayed Realization) Ifpayment of inland/local bills realized within 03 days,no mark-up to be charged. Incase proceeds notrealized/credited to our customer account within 03days from the date of the maturity till its adjustmentthan mark-up is applicable to our customer's NICFfacility or as per special approval by the competentauthorityIn case of no NICF facility is available to thethan mark-up will be charged

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h) Export LC Cancellation Rs. 1,500/- plus swift &communication charges

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SL CodeUniBankCBS

ii)

g)

In addition to above, commission/service charges, recovery of courier/postage / fax charges will also be

• In addition to the charges above, all applicable government levies will also be recovered

In case forced PAD is created due to non payment on maturity against DA LC, commission @ 0.50% is to be charged(once only) on FPAD created amount in addition to mark-up @ 60 paisa PTPD (or as revised from time to time) from thedate of maturity till the date of payment.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

• Charges negotiable on case to case basis under approval of relevant Business Head

Note:

3

SAR 2,000/-20/- Plus FED

per instruction*

Transaction Time Windows

c) Duplicate/On-Demand Statement of Account

DOMESTIC BANKING

Particulars Charges

3) SMS Alert Charges

G. MISCELLANEOUS CHARGES1) a) Telephone

b) Faxc) Postage

d) Couriere) Courier charges for Account Opening

Welcome Pack / Cheque Book / MegaWalletDebit Card

2) a) Delivery of Statement of account (Mandatory)b) Statement of Account through UBL e-statement

(by e-mail)

Actual, Min Rs.100/-Actual, Min Rs.100/-i) Local (Within City) Actual,Min Rs. 50/-,ii) Inland (Intercity) Actual,Min Rs. 75/-Actual, Min Rs.100/-Free

FreeFree

Rs. 35/- per statement

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per SMS thereafter

Monthly Charges of Rs.50/-*(first 50 SMS free) Rs. 1 perSMS thereafterMonthly Charges of Rs.100/-*(first 150 SMS free) Rs. 0.5

a) Basic Service

b) Premium Service

Rs.500/- per cheque 54203550 64017

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RTGS) System

5) 3rd Party Funds Transfer through Pakistan RealTime Interbank Settlement Mechanism (PRISM/

4) Issuance of SBP/ NBP cheques / Special Clearing

* Mandatory monthly deduction irrespective of no. of SMS

6) Handling charges for issuance of StudentExchange Remittance permit and maintenanceof record for subsequent remittances

*One instruction may include advice for series /multiple instruments.

10) Charges for cheque return unpaid

11) Cost of Issuance of all Currency Cheque Booksa) MICRb) NON - MICR

12) Service charges where the amount of depositsare below the required balance

Rs. 300/- per instance

PKR 400/-, USD 5/- GBP 2.5/-,EUR 2.5/- AED 15/-, SAR 15/-

Rs. 6/- per leafRs. 12/- per leaf

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7) Issuance of Balance/Account maintenance certificate on customer's request

Rs. 300/- per certificate

equivalent per instruction*

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For F.C A/c - US$ 5 or

8) Service charges for same day collection/clearingcheque greater than 500,000/-through NIFT

Rs. 500/- (flat)

For PKR. A/c - Rs. 300/- (flat)

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0790119) Stop payment charges of Cheque CC/DD/PO/TT/RTC

Business Partner

USD

LCY Current A/c

EURO

AEDGBP

50/- (including FED)50/- (including FED)

10,000/-25,000/-

500/-400/-

2,000/-300/-

*Service Charges per Month

Business Partner Plus

5/- Plus FED4/- Plus FED

20/- Plus FED3/- Plus FED

FCY CASA & FCY Uniflex

Monthly Average Balance

Days

Monday to Friday

Saturday

9:00 am to 1:30 pm Rs. 220/-

Per Transaction Charges (PKR)

1:30 am to 3:00 pm Rs. 330/-

3:00 am to 4:00 pm Rs. 550/-

9:00 am to 11:30 am Rs. 220/-

11:30 am to 12:30 pm Rs. 330/-

SL CodeUniBankCBS

Unclaimed deposits after maturity of ten years.

DOMESTIC BANKING

Particulars Charges

* Exemption to :StudentsMustahiqueen of ZakatEmployees of Govt/Semi-Govt institutions for salary and pension purpose, including widows / childrenof deceased employees eligible for family pension / benevolent fund grant etc.

iv)v)

Earthquake affected areas (BPRD Letter No. 28 of October 10, 2008)viii) All UBL Staff Accounts wherein salary are Credited.ix) All singly operated accounts of retired staff of the bank wherein pension, benevolent grant, medical bills

reimbursed.Dormant AccountsUBL First Minor Saving AccountsSchool Management Committe Accounts-only for Sindh (BPRD Circular No. 02 of Jan 25, 2010)e Transaction Accounts for OMNI Agents.UBL Wiz Cards

10

UBL Basic Banking Account (UBL BBA) holders.Accounts related with Zakat Collection & Disbursement

xv) All regular PLS Saving Accounts

13) a) Salary & Pension disbursement charges.**

b) Pay Partner-Salary (and other) disbursement.

** No charges to be recovered from Govt. andSemi Govt. Organizations and their employees /retired employees.

14) Photocopy of a paid cheque returned tocustomer

Within 1 yearAbove 1 year

Rs.75/- from remittingorganization’s main accountunder agreement per monthwhere salary / pension iscredited.

Min. Rs. 75/- per transaction(or as per contractual terms)

Rs. 200/-Rs. 1,000/-

Charges perCheque}

54203850

54208620

54203900

064014

079025

064018

15)

*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.

SL CodeUniBankCBS

i)ii)iii)

vi)vii)

x)xi)xii)xiii)xiv)

ServicesWaiver Per Month Applicable On Overnight/Avg Bal of Rs. 250,000/- & above

BUSINESS PARTNER WAIVER GRID(For Individual, Sole Proprietorship, Partnership & Government Accounts only)

Waiver (see note below)Issuance of MTIssuance of CCCancellation of P.O,CC, DD or MTDuplicate CCMegaWallet Debit ATM Card Annual FeeClean Bills for Collection/Intercity ClearingIssuance of Cheque Books

Cheque Return Unpaid from Payee AccountUni Remote Charges

Locker RentIssuance of Rupee Travelers Cheque(Annual average balance can be used for seasonal accounts)

Free*

Free

Free

Free

55

5

5

55

1 Cheque Book of 50 leaves Free

Note:

Waiver per month applicable on overnight/average monthly balance when the request is made. Thisgrid is applicable on Current Account/Business Partner balances of Rs.250 K and above, on case-tocase basis on Branch Manager discretion.

First time collection charges free for Business Partners customers having balance of Rs. 250 K and above(after proceeds from collection are realized).

In addition to the charges above, all applicable Government levies will also be recovered.

DOMESTIC BANKING

Particulars Charges

16)

11

Note: For Business Partner Plus monthly average balance is Rs. 25K. Services charge

Transaction limit charges are applicable on any withdrawal above the thershold of threedebit transactions in one calendar month (No charges on credit transaction)

MegaWallet Debit ATM Card Annual Fee

Cheque Book

Services

Issuance of Cashiers Cheque

Over the Counter Cash Deposit

Clean Bill For Collection/Intercity Clearing

Cancellation of CCCheque Returned Unpaid From Payee's Account

Duplicate Cashier’s ChequeDuplicate Account StatementIssuance of RTC

FreeFreeFreeFree

FreeFreeFree

FreeFreeFree

Wavier

Online IBTS / UniRemote Transactions Country Wide Free

BUSINESS PARTNER PLUS

17) Charges on Encashment / Collection of profitcoupons for certificates issued by other banks

Rs.300/- per trip 54208050 064050

b) Foreign Report

c) If requested by Banks/DFIs.

20) Emigration Certificate

21) Proprietorship Certificate

Rs.150/- per certificate

Rs.150/- per certificate

54204100

54204100

079026

079026

Actual Foreign Agents chargesequivalent in Pak. RupeesPlus Rs. 600/- service chargesNIL

19) Standing instructions fee to be recovered inaddition to the usual charges on remittance, if any

Rs.200/-per attempt 54204050 64020

22) No Objection Certificate (NOC) Rs.150/- per certificate 54204100 079027

plus Rs.500/- service charges

18) Credit information report including credit reporton Foreign Supplier / Buyersa) Within City Report Rs.1,200/- payable by Agents

78029

Maximum of two deposits andtwo withdrawal transactions(cash or clearing) per monthare allowed free of charge onUBL BBA account holders.However, any transactions(cash & clearing) in a calendarmonth after those mentionedabove will be charged a flat feeof Rs.50/- in addition to regularcharges for services as perSOC.

Charges23) UBL Basic Banking Account Transaction 54203150 079027

Rs. 150/- per certificate 54204500 07902424) Statement of Profit Earned & WHT / ZakatDeduction

25) Transactional Charges on UBL UniFlex PLS Account & UBL FCY UniFlex Account 079028

54204500 079024Rs. 250/- per verification26) Charges for verification of account balance tothird party based on customer's consent(Exemption for: Students applying for visa toproceed for Foriegn Education)

Electronic Banking / Cash Management UBL provides Electronic Banking & Cash ManagementServices. Fees and other charges to be recovered on a case to case basis.

Note:

In addition to above, commission/service charges, recovery of courier/postage / fax charges will also bemade according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head.

SL CodeUniBankCBS

as per point No. 12 above will be levied for non maintenance of balance.

UBL UniFlex PLS Account

USD AccountEURO AccountAED AccountGBP Account

ParticularsRs.100/-

USD 5/-EURO 4/-AED 20/-GBP 3/-

Rupees per transaction

UBL FCY UniFlex Account

UBL SIGNATURE - PRIORITY BANKING

Particulars Charges

12

1) Issuance of MT/ Cashier's Cheque

2) DD / MT / PO / Cashier's Cheque CancellationCharges

3) Inter Branch Transactions in Online BranchesUniRemote

a) Cash Deposit & Account to Account Transferi) Within Cityii) Intercity

Free

Free

FreeFree

A. UBL Signature — Priority Banking

b) Cash Withdrawali) Within Cityii) Intercity

FreeFree

4) Bills Collectiona) Clean (including Cheques/Dividend Warrants/

Bank Drafts/Intercity Clearing through NIFT etc)

5) Stop payment of cheque drawn

6) Lockers Annual Fee & Key Deposit

7) Consumer Products Application Processing Charges

8) a) Signature Debit MasterCard(with basic ATM withdrawal insurance coverage)

b) Value added ATM withdrawal insurancecoverage (optional)

9) Signature Priority Pass Feea) Membership! Annual Feeb) Priority Pass International Fee

10) Stop payment charges for cheque / DD / RTC /Cashier's Cheque and online Funds transferthrough UniRemote

11) Issuance of all currency cheque books

12) Charges for Cheque return unpaid

13) Net Banking Charges

14) Priority Banking Lounge Charges(Applicable in case the monthly averagebalance is less than Rs. 1 Mln (For Current A/c)and Rs. 2 Mln (For Saving A/c). Equivalentamount of required balance and chargeapplicable for FCY account).

Free

Free

Free

Free

Free

Free

Free

Free

Free

PKR 1,000/-USD 10/-EURO 8/-GBP 7/-AED 35/-SAR 35/-

Free5 Free Visits per year(additional visits - USD 35each)

Rs. 1,000/- per annum

064074

06501654204300

SL CodeUniBankCBS

Note:Apart from this, all banking service charges will be levied as per current SOC.In addition to above, commission/service charges, recovery of courier/postage / fax charges will also bemade according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head.In addition to the charges above, all applicable Government levies will also be recovered.

BANK CHARGES FOR GOVERNMENT BUSINESS

1) Cash / reimbursable loans / barters expressed inU.S. Dollar or any other foreign currency includingL/Cs under A.C.U. / arrangementLess than Rs.250,000/

Rs.250,000/- and above

/ loans / authorization to pay

A. IMPORT

Particulars Charges

1/16% (0.0625%) of the valueof the Letter of Credit.

3/8% (0.375%) irrespective ofthe value of the Letter ofCredit.

13

06404854206000

54206000 064048

BRANCHLESS BANKING

2) Non-reimbursable Letters of Credit under barter / aid

Cash Deposit(outside account opening area)

Slab Start0

501

2,501

4,001

7,001

10,001

13,001

15,001

Slab End500

2,500

4,000

7,000

10,000

13,000

15,000

20,000

Fee (Rs.)30/-

48/-

102/-

144/-

210/-

246/-

276/-

361/-

20,001 25,000+ 473/-

Cash Withdrawal

Slab Start0

501

2,501

4,001

7,001

10,001

15,001

20,001

Slab End500

2,500

4,000

7,000

10,000

15,000

20,000

25,000

Fee (Rs.)3/-

6/-

21/-

41/-

64/-

94/-

131/-

169/-

*All mentioned amounts in PKR Fee are inclusive of all Taxes.

A. Service Fee at UBL Omni Dukaan*

Utility Bill PaymentMobile Voucher purchaseMobile Top upCash Deposit (within account opening area)

FreeFreeFreeFree

Slab Start0

501

2,501

4,001

7,001

10,001

13,001

Slab End500

2,500

4,000

7,000

10,000

13,00015,000

Fee (Rs.)50/-

80/-

170-

240/-

350/-

410/-

460/-

SL CodeUniBankCBS

1/8% (0.125%) of the value ofthe Letter of Credit.

Note:

In addition to above, commission/service charges, recovery of courier/postage / fax charges will also bemade according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head.In addition to the charges above, all applicable Government levies will also be recovered.

Chapter XIII of Foreign Exchange manual (8th Edition-2002). However for Letters of Credit "Authorizationto 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 chargedfrom the openers by the banks as per their own schedule of charges.

Department 6734/ FEP.9 (126-242)-95 dated 19-12-95 it is advised that in the case of letter of credit or forprior approval by concerned sanctioning authority. As per clarification given by the SBP Foreign ExchangeThe Bank reserves the right to charge different rates on the basis of volume and security offered subject to

that matter "Authorization to pay" opened by the Department of the Federal or Provincial Governmentswhether routed through State Bank of Pakistan or not Letters of Credit commission is to be charged at therates given in Para 37

UBL Omni Money Transfer

Unloading amount to linked UBL account

Deletion of Bill Nick

Balance Inquiry

Omni Semi Annual

BRANCHLESS BANKING

Account Opening at UBL Omni Dukaan

Initial Deposit requirement

Minimum Balance requirement

Minimum Balance charges

A. Fee For Account Holders*

Particulars

Slab Start Slab EndAccount to Person Transfer UBL Omni Account

to Account TransferFee (Rs.) Fee (Rs.)

0

501

2,501

4,001

7,001

10,001

13,001

15,00120,001

500

2,500

4,000

7,000

10,000

13,000

15,000

20,000

35/-

56/-

119/-

168/-

245/-

287/-

322/-

421/-

25/-

40/-

85/-

120/-

175/-

205/-

230/-

301/-

Card NameUBL Omni ATM Card (Personalized and Non-Personalized)

Issuance/Replacement Fee Daily POS Limit**UBL Omni ATM Card 150/- 100,000/-

25,000+ 522/- 394/-

Daily Withdrawal Limit**40,000/-

Free

Rs. 100/-

Rs. 15/-

Charges

14

Rs. 100/-

Bill Payments Free

Free

Free

Free

Free

Free

Free

Free

Free

Free

Free

Free

Free

5

5

Transaction Type Customer Fee

View Bill via SMS

Displaying of last transactions

Account Number Enquiry

Voucher Purchase through SMS

Bill Nick Addition

Payee Nick Addition

Deletion of Payee Nick

Help

Listing of Bill Nicks

Listing of Payee Nicks

Loading amount from linked UBL account

Bill Summary dispaly Free

*All mentioned amounts in PKR, Fee are inclusive of all Taxes.**Account limits will supersede.

SL CodeUniBankCBS

Omni Monthly Rs. 150/-

Rs. 500/-

Package SubscribtionPackage Type Fee

30

180

Validity (In Days)

1. Omni A/c to Omni A/c Fund Transfer.

2. View Bill.

3. Balance Inquiry.

Free Transaction

BRANCHLESS BANKING

A.UBL netbanking

Particulars Charges

A.UBL netbanking

Monthly Debit Limit Monthly Subscription Fee

Bronze Upto Rs. 5,000 Rs. 25Rs. 45

Rs. 75

Rs. 150

Upto Rs. 50,000

Upto Rs. 100,000

Upto Rs. 500,000

Silver

Gold

Platinum

15

Basic Nil Free

B. UBL Click N Bank (eNRP) AccountsMonthly Service Charges

Rs.50/- (FED included)

C. eTransaction AccountNetbanking packages monthly subscription feeis waived on eTransaction account subject tomaintenance of required balance.

Bronze Minimum Average Balance Above15,000/- in last three months

Silver Minimum Average Balance Above15,000/- in last three months

Gold Minimum Average Balance Above15,000/- in last three months

Platinum Minimum Average Balance Above30,000/- in last three months

a. PKR A/Cs is below Rs. 30,000/-b. USD A/Cs is below USD 500/-

When monthly average balance

USD 5/-

D. UBL NRP Direct AccountsAccount Opening FeeCheque Clearing Charges(Initial Deposit Cheque Only)

International Mailing ChargesMonthly Service ChargesWhen Monthly avg balance is below Rs. 50,000

Free

Rs. 2,500/-

Rs. 50/-

0.6% of the initial deposit or $7 whichever is higher0.6% of the initial deposit or $16 whichever is lower

Transaction FeeDoor step cheque through net banking Rs. 50/- per transaction

Inter-Bank Fund Transfer Rs. 250/- per transaction

Note:In addition to above, commission/service charges, recovery of courier/postage / fax charges will also bemade according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head.In addition to the charges above, all applicable Government levies will also be recovered.

4) UBL Debit Master Card

b)

UBL First - Pocket Money Debit Card2. UBL MegaWallet Debit Card &

i) Basic Service

CONSUMER BANKING

* Mandatory monthly dedection irrespective of no. of SMS

Particulars Charges

16

Rs.15/-b) Switch Transaction Fee

Withdrawals on 1 Link ATMs other than UBLWithdrawals on other switches

3% of transaction amountc) International Usage Charges 54204850 064045

Rs. 5/- per transactionRs. 50/- per transaction

d) Balance inquiryWithin Pakistan from non 1 Link ATMsFrom outside Pakistan

NilRs.100/- (No Charges for UBLWiz Internet Card & ACCACard)

e) Internet usageActivation chargesPer session charges 54204900 064099

POS Purchase No Charge

LocalInternational

Rs. 5/-Rs. 35/-

54204750 064063

Cross Border International Charges No Charge 064075

088025

F. ATM / DEBIT CARD1) General Debit / Prepaid Card Charges 54204560 064076

per SMS thereafter

Monthly Charges of Rs.100/-*(first 150 SMS free) Rs. 0.5

ii) Premium Service

Rs.15/-

(with basic ATM Withdrawal Insurance Coverage)

Monthly Charges of Rs.50/-*(first 50 SMS free) Rs. 1 perSMS thereafter

a) SMS Alert Charges

i)ii)

i)ii)

i)ii)

iii)

i)ii)

a) Annual Charges

ATM Withdrawali)ii)

Note:Charges negotiable on case to case basis under approval from relevant Divisional Head.In addition to the charges above, all applicable Government levies will also be recovered.

f ) Declined POS Transaction Charge (Low Balance &Limit Exceed)

Suplementary250/-N/A

Basic500/-N/AUBL First Pocket Money

UBL MegaWalletCard Type

Rs. 250/- per card

Rs. 1,000/- p.a(optional)

Within UBL Rs.50/- pertransactionOutside UBL Rs. 250/- per

c) 54200230 064043

54204750 064063transaction

d)

b) WIZ Refund Charge 54204950 088012

Re-load fee

54204950 088012

Rs. 1,000/- p.a. ii) Value added ATM withdrawal insurance

Rs. 10,000/- & above

Rs. 100/-

3) UBL Wiz Prepaid Visa Debit Cardsa) i) Card issuance-(One time fee)

(with basic ATM withdrawal insurance coverage)i) NIL on deposit of

ii) Rs. 100/- for deposit of lessthan Rs.10,000/-

NIL

(optional)Rs. 1,000/- p.a

Rs. 1,000/-Rs. 500/-

a) Annual Fee(with basic ATM withdrawal insurance coverage)i) Basicii) Supplementary

b) Value added ATM withdrawal insurance coverage

054023

054023

In addition to the charges above, all applicable Government levies will also be recovered.

Note:No joining fee. Annual fee to be recovered in advance. No refund on account closureIn addition to above, commission/service charges, recovery of courier/postage /fax charges will also be

Charges negotiable on case to case basis under approval from relevant Divisional Head.made according to prescribed tariff (wherever applicable)

iii)

SL CodeUniBankCBS

Value added ATM withdrawal insurance coverage

Funds Transfer Through ATM

Card Replacement Fee

8) Auction Charges

Value added ATM withdrawal insurance

CONSUMER BANKING

Particulars Charges

17

c) Card Replacement FeeNormalUrgent

d) Funds Transfer Through ATM

054024054024064043Within UBL Rs.50/- per

transaction

transaction

Rs. 250/- per cardN/A

54200230

54204950 088012

Outside UBL Rs. 250/- per

5) UBL Pardes Cards

i)ii)

As per the loan documents, or 064078

G. UBL DRIVE (CAR FINANCING)1) Application Processing Charges

Rs. 6,000/- (non-Refundable)if not specified Plus FEDCharge

(optional)

a) i) Card Issuance(with basic ATM withdrawal insurance coverage)

Reload

Withdrawals on other switchesc) Balance Inquiry

Within Pakistan from non 1 Link ATMsd) Cancellation / Card Replacement Charge

N/A

Rs. 1,000/- p.a

N/A

Rs. 15/-

Rs. 5/-Rs. 100/-

ii)

iii)

i)

Withdrawals on 1 Link ATMs other than UBL Rs. 15/-b) Switch Transaction Fee

Note:Charges negotiable on case to case basis under approval from relevant Divisional Head.

Rs. 5,000/- if not specified2) Vehicle Evaluation Charges As per the loan documents, or 064082

3) Pre - Payment Charges As per the loan documents, or8% of principal outstandingif not specified

06408154205550

4) Late Payment Charges As per the loan documents. Ifnot specified, the prevalentSchedule of Charges (SOC)at the time of issuance will be

Current charges Rs. 1,000/-

54205550 064079

used to determine the charges.

6) Repossessed Vehicle Evaluation Charges Rs. 1,000/- 064082

Rs. 5,000/- 08001157800800

5) Vehicle Re-Possession Charges Actual incurred by the bankup to a maximum ofRs. 75,000/-

064083

7) Monthly Warehouse Charges As per the loan documents, orRs. 5,000/- per vehicle, if notspecified

08001157800800

9) Duplicate Repayment Schedule Charges Rs. 150/- per instance 054064

10) Duplicate NOC Charges Rs. 150/- per instance 054064

11) Tracker Management Feei) First Year Advance Monitoring Feeii) Monthly Monitoring Fee

Up to Rs. 10,000/-Up to Rs. 1,000/- per month

080006

12) Insurance Charges As per the rate quoted by theInsurance Company

13) Legal Stamping Charges At Actual

14) Request for Duplicate Registration Book Rs. 500/-

57800600

SL CodeUniBankCBS

Note:In addition to above, commission/service charges, recovery of courier/postage / fax charges will also bemade according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head.In addition to the charges above, all applicable Government levies will also be recovered.

3) Annual Charges (Renewal fee)

CONSUMER BANKING

Particulars Charges

18

& Rs. 1,000/- for UBL MasterDebit Card

4. a) Debit Card Annual Charges

(With basic ATM Withdrawal Insurance Coverage)

b) Value added ATM Withdrawal insurance coverage (optional)

5) Late Payment Fee

6) Insurance Charges (Credit Protector)

7) Legal Stamping Charges

As per the loan documents, orSalaried Rs. 3,000/- & SEB/SEP Rs. 4,000/- if not specified

Rs. 5,000/-

As per the loan documents, orRs. 2,000/- if not specified

Rs. 500/- for UBL MegaWallet

Rs. 1,000/- p.a.

H. I) UBL CASHLINE

1) Processing Fee

2) Processing Fee for Lien Marked

Rs. 2,000/-

As per the loan documents, orRs. 1,000/-or 10% which everis higher, if not specified

0.2% of total monthlyoutstandingAt Actual

54202200 064078

54202200 064078

54202200 054042

54204750 064063

54205500 064079

078008

57800600 080006

8) Limit Enhancement Fee 54202200 054042

I. UBL MONEY1) Pre-payment Penalty

2) Late Payment Charges

3) Partial Payoff Option Fee

54205550 064081

54205550

54205550

064079

064081

As per the loan documents or 54202200 0640781) Processing Fee

2) Pre-payment Penalty

3) Partial Payoff Fee

4) Late Payment Charges

Rs. 1,000/- flat if not specified

As per the loan documents, or5 % of the remainingoutstanding amount if notspecified

As per the loan documents, or5 % of the amount beingreduced from outstandingprincipal if not specified

As per the loan documents, orRs. 1,000/- per installment ifnot specified

54205550 064081

54205550 064081

54205500 064079

H. ii) UBL CASH PLUS

Note:All regular Branch Banking charges will be applied for the transaction through branchesIn addition to the above, commission / service charges, recovery of courier / postage / fax chargeswill also be made according to perscribed tariff (wherever applicable)In addition to the charges above, all applicable Govt. levies will also be recovered.All rates are subject to change.

SL CodeUniBankCBS

As per the loan documents, or8% of remaining outstandingprincipal amount if notspecified

As per the loan documents, orRs,1,000/- per installment ifnot specifiedAs per the loan documents, or5% of the amount beingreduced from outstandingprincipal if not specified

CONSUMER BANKING

Particulars Charges

Note:All regular Branch Banking charges will be applied for the transcation through branchesIn addition to the above, commission / service charges, recovery of courier / postage / fax chargeswill also be made according to perscribed tariff (wherever applicable)In addition to the charges above, all applicable Govt. levies will also be recovered.All rates are subject to change.

19

Charges negotiable on case to case basis under approval of relevant Business Head.

In addition to above, commission/service charges recovery of courier/postage / fax charges will alsoThese Charges are quoted by the vendor & are subject to change.Note:

be made according to prescribed tariff (wherever applicable)

In addition to the charges above, all applicable Govt. levies will also be recovered including FED.

As per the loan documents, orRs. 5,000/- (non-refundable),if not specified

As per the loan documents, orRs. 4,000/- (non-refundable),if not specifiedAs per the loan documents, orRs. 4,000/- (non-refundable),if not specified

5) a) Late Payment Charges - Address

08000657800600

06407854202200

06407954205500

7) Life Insurance

b) Late Payment Charges - Businessline 2% on outstanding principal,if not specified.

6) Property Insurance As specified in the loandocuments, or actual (max of3%) if not specified

As per the loan documents, orMax 6 monthly installments.Penalty charges apply on

or 6 monthly installments. 8%for Year 1, 5% for Year 2, 3%in Year 3 & onwards if notspecified

06407954205550

064068

06408154205550

J. UBL ADDRESS/BUSINESSLINE

As per the loan documents, orRs. 5,000/- (non-refundable),if not specified, Plus FEDCharge

064078542022001) Processing Charges

3) Legal Charges

4) Income Estimation Charges

As per the loan documents, orRs. 1,000/- per installment, ifnot specified

064078542022002) Appraisal Charges

Optional. As per the ratequoted by the InsuranceCompany.

8) Partial Payoff

9) Pre-payment Penalty (Full Payoff) As per the loan documents,Less than 1 yr: 8%, 1-3 yrs:

06408154205550

5%, 3-20, yrs: 3% if notspecified

10) Loan Enhancement Charges

specified

As per the loan documents, orRs. 10,000/- (Address) if not

54205200 054042

instructions11) Default due to lack of funds on standing As per the loan documents, or

Rs. 2,000/- if not specified54208050 064050

12) Refund CCs Regular CC charge as perpage no. 1, Item No. 1 (a) willapply for all consumer refunds.

54200100 064038

13) Line Renewal Charges - Businessline As per the loan documents, or@ 0.05% of credit line orRs. 5,000/- whichever ishigher if not specified

54202200 054049

amount exceeding Rs. 50,000/-

SL CodeUniBankCBS

(for Basic and Supplementary Cards)

or Rs. 200/- (whichever is higher)

CONSUMER BANKING

Particulars Charges

20

K.CREDIT CARD

054021054022054073

054065

Annual Membership Fee(with basic ATM withdrawal insurance coverage)

1)

Chip Maintenance Fee2)

Annual Supplementary Card Fee (with basic ATMwithdrawal insurance coverage)

3)

4) a) Platinum Upgrade Fee from Gold and Silver-Basicb) Platinum Upgrade Fee from Gold and Silver-SupplementaryValue added ATM withdrawal insurance coverage(optional)

5)

Rs. 1,500/- (Silver),Rs. 3,000/- (Gold)

Silver & Gold Platinum

Rs.4,000/-

Rs. 250/- per annum

Rs. 500/- (Silver),Rs. 750/- (Gold) Rs.2,000/-

Rs.2,000/-

Rs.1,000/-

Rs. 1,000/- per annum

Up to 39%Up to 39%Up to 24%0 % - 39%Up to 33%

6) APR - Retail Transaction7) APR - Cash Advance8) APR - BTF9) APR - LITE Installment Plan10) APR - Lien Marked Credit Card

15) Late Payment Fee

16) Over Limit Fee

17) a) Credit Guardian-Mandatory

b) Credit Guardian-Optional

10% of the minimum balancedue or Rs. 1,000/- (whicheveris higher)2% of the over limit amount orRs. 1,000/- (whichever ishigher)0.2% of the monthlyoutstanding balance0.79% of the monthlyoutstanding balance

054017054018054066

054046054069

054015

054015

18) Family Security Plan Plan A - Rs. 63/- per monthPlan B - Rs. 105/- per monthPlan C - Rs. 210/- per monthPlan D - Rs. 315/- per month

22) Booking Charges - Lite Installment Plan Rs. 250/- per transaction21) Booking Charges - Balance Transfer (Open) Free

23) Cancellation Charges - Lite Installment Plan 5% of the installmentoutstanding balance orRs.1,000/- (whichever ishigher)

24) Direct Debit Failure Fee25) Card Replacement Fee

Rs. 500/-Rs. 500/-

054045054067

054039

054055

054040

At Actual11) Processing Fee for Lien marked Credit Card12) Legal Stamping Charges

Rs. 5,000/-

13) Minimum Monthly Payment 5% of the outstanding balance

4% of the amount withdrawnor Rs. 750/- (whichever is higher)

14) Cash Advance Fee

19) Child Education Plan Plan A - Rs. 49/- per child permonthPlan B - Rs. 98/- per child permonthPlan C - Rs. 125/- per childper month

20) a) Hospital Cash Plan - Executive 21-35 years: Rs. 220/- permonth36-50 years: Rs. 360/- permonth51-60 years: Rs. 824/- permonthEach Child 1-20 years:Rs. 215/- per month

b) Hospital Cash Plan - Deluxe 21-35 years: Rs. 320/-per month36-50 years: Rs. 529/-per month51-60 years: Rs.1,200/-per monthEach Child 1-20 years:Rs. 300/- per month

26) UBL PSO Auto Credit Card Conversion Fee Rs. 500/- per card 054040

SL CodeUniBankCBS

064083

080006

054005

054006054071

not be charged on the markup amount.

a) Basic Service

CONSUMER BANKING

* Mandatory monthly deduction irrespective of no. of SMS

Particulars Charges

27) Utility Bill Payment

28) Limit Enhancement Fee

Up to Rs. 35/- per transactionor Rs. 350/- per annum(per utility company)

Rs. 2,000/-

29) FX Conversion Charges on FCY Transactions

30) VISA/ MasterCard Arbitration Charges for Disputed Transactions

31) Refund CCs

32) Platinum Priority Pass Fee

33) 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

CentreL. General Consumer Banking Charges

1) Duplicate Statement

2) Cheque Return Charges

USD 35/- per requestUSD 250/- per request

USD 225/- per requestUSD 175/- per requestUSD 50/- per request

USD 7.50/- per request

Rs. 35/- per statement(not applicable on credit card)Rs. 400/- per cheque

Rs. 250/- per pickup

Up to 5% over prevailingmarket rate or as per SBPdirective. Third currencytransactions will be firstconverted into US Dollars asper rate quoted underarrangement with VISA andMasterCard.

USD 500/- or equivalent

Regular CC charge as perpage no. 1, Item No. 1 (a) willapply for all consumer refunds

5) UBL Airport Lounge Charge Rs. 800/-**Exceptions apply for valued customers

b) Premium Service

21

054075

054029054030

062013

208015

064038

054040

054040

054040

054040

054040

054040

054033054034

054055054070

3) Collection on Customer Call4) SMS Alert Charges

054038

079005

54204560

54204560

064076

064076

064074

per SMS thereafter

Monthly Charges of Rs.50/-*(first 50 SMS free) Rs. 1 perSMS thereafterMonthly Charges of Rs.100/-*(first 150 SMS free) Rs. 0.5

a) Membership/Annual Fee b) Supplementary Priority Pass Fee c) Airport Lounge Visit Fee

FreeUSD 10/-USD 35/- per visit

064074064074

064074

In addition to the charges above, all applicable Government levies will also be recovered.

Markup will be charged on all unpaid fees and charges, where applicable. However, markup willNote:

In addition to above, commission / service charges, recovery of courier/postage/ fax charges will alsobe made according to prescribed tariff (wherever applicable).

SL CodeUniBankCBS

As You Earn Scheme (PAYES) and deferred

INTERNATIONAL BANKING

Particulars Charges

A. IMPORTS1) Cash Letters of Credit: a) Issuance of Letter of Credit

2) Revalidation commission

3) Transfer Commission-Commission on account of change in the beneficiary / country of advising

4) a) Non reimbursable L/C under Barter Aid / Loans and Authorization to pay

b) L/C, L/G under "Suppliers / Buyers Credit" Pay

payment L/Cs for period over one year

In case of L/G undertaking to be issued favoring

Upto 0.40% and for 1stquarter or part thereof Upto0.25%, for subsequent quarterMin Rs. 2,200/-

Revalidation commission willbe recovered as is applied foropening fresh Letter of credit

Transfer commission will becharged as applicable in caseof fresh Letter of Credit

1% on 1st quarter and 0.30%for each subsequent quarteror part thereof, Min. Rs.1,500/-

Commission @ 0.40% perquarter or part thereof, Min.Rs.2,500/-

Commission @ 1.6% perannum,Min. Rs.2,000/-

22

06400454206000

06400454206000

06400454206000

06400454206000

064004064008

5420600054203150

06400854203150

L/C cancellation charges Rs. 2,000/- plus swift &communication charge inactual

06404754206100

5) Registration of contract with SBP in respect of Private Foreign Currency Loans obtained by borrowers in Pakistan from Foreign Lenders

Handling charges Rs.7,500/-(flat)

06404754206150

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

a) Rs.750/-per alication (flat)upto L/C amount of Rs.1.0 mlnb) For L/ C amount overRs. 1.0 mln - Rs.1,000/-(flat)

06404754208000

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 basis

a) Rs.1,200/-per bill (flat)b) Extra Commission @ 0.10%per month or part thereof forany period beyond the L/Cvalidity till maturity of the bill.

064003001012

5420630052600430

c)

d)

any bank for providing forward cover exchange risk under Suppliers / Buyers Credit behalf of applicant

commission @ 0.50% is to be charged (once only) in addition to mark-up @ 60 paisas PTPD(or as revised from time to time) from the date of maturity till the date of payment.

NoteIn case forced PAD is created due to non payment on maturity against DA / Supplier Credit L/C,

11) Import documents received directly / indirectly from the supplier to the applicant / bank with / without registration of contract and the payment made there against.

0.40% (flat), min Rs.2,500/- 542062008) Contract registration for import on annual volume basis (flat)

9) L/C Amendment Rs. 1,200/- per amendment(flat) or commission at ratesspecified under items 1 and 4(a) above, if amendmentincrease in amount orextension in period ofshipment.

10) Contract Amendment Min. Rs. 1,500/- (flat)

Rs. 1,500/- (flat) Plus servicecharges @ 18/- paisa perRs. 100/- Min Rs. 2,000/- swiftCharges Rs. 1,000/-

064006

06404754206050

06404754206250

06404654206300

SL CodeUniBankCBS

USD 70 or equivalent plus

f) Reimbursement payment to other local

Particulars Charges

23

charges @15 paisa per Rs.100/-, min Rs 1,500/- plusswift charges Rs. 1,000/-

Rs. 1,500/- (flat), plus service

12) Mark-up & commission in case of import bills under import L/Cs

a) Mark-up in case of import bills under Import Letters of Credit

54 paisas per Rs.1,000/-perday from the date ofnegotiation till the date ofretirement (on the amountfor which PAD is created)

b) In addition to mark-up as per (12) (a), Banks commission on the amount from which PAD is created less margin held there against is to be charged as under :

i) If retired within 10 days from the date of lodgement

ii) If retired during 15 days subsequent to the periodat item (i) above

iii) If retired during next 15 days after the periodmentioned in (i) and (ii) above

iv) If retired during next 190 days after the periodmentioned in item (i) (ii) and (iii) above

13) Import bills returned unpaid

14) a) Collections

b) Import against advance payment to suppliers

No Commission

25 paisas per Rs.100/-

30 paisas per Rs.100/-

40 paisas per Rs.100/-

15) Service charges on retirement of import bills under L/c's / Contracts

Rs.1,500/- (flat), per collection

Handing charges US $. 100/-(flat) plus courier chargesRs. 2,000/-

06000252700430

52700430

06400354206300

06404654206800

0780255420680057800400

18) Issuance of freight certificate for imports on FOB 54206000 064046

16) Reimbursement charges (payable to Reimbursement Bank)17) Handling of discrepant documents under import L/Cs

basis19) Extension in maturity of Usance Bills under LC / Bank Contract20) Expense Recovery Protest/ Legal Charges

22) Duplicate advice issuance23) FED invoice certificate24) Issuance of business performance certificate of previous years at the customer request

At Actuals

swift charges and FEDRs 1,200/- per certificate

1,500/- (flat) per bill

Actual + USD 25

Rs.1,000/- per certificateRs.3,000/- per certificate

Rs.350/- per duplicate advice

57800500 080027

54206000 064046

54206000 064046

57800600 080006

54206850 064046

54206850 064046

54206420 064002

1- Opened by us where Fx conversion forward is done by us 2- Opened by us where Fx conversion / forward is done by other banks

Min. Rs.1,500/-

Min. Rs.1,800/-

@ 15 paisa per Rs.100/-

@ 18 paisa per Rs.100/-

06403954206400

54206400 064039

21) Handling of Imports Documents againts PAD Bills (Sight Bills)

Rs. 1,500/- (flat) 54206300 064046

B. EXPORTSRs.200/- (flat)1) Processing charges for Export Registration 54206600 064034

Rs.1,000/- (flat)US$ 30 (flat)0.30%, Min. Rs.250/-

2) Letter of Credit

b) Amendment Advising (i) Beneficiary in Pakistan (ii) Beneficiary outside Pakistan

c) Negotiation of bills against L/C issued under barter / remittance from SBP (rupee bill)

54206500 064031

54206600 064002

Rs.1,800/- (flat)US$ 60 (flat)

a) Advising (i) Beneficiary in Pakistan (ii) Beneficiary outside Pakistan

54206450 064031

Rs.500/-(flat) from non-resident rupee A/c

0.25% per quarter or partthereof, Min. Rs.300/-Rs.1,300/-(flat)

d) Confirmation

e) Transfer of Export L/Cs

54206550 064051

54206450 064031

57800500 080027

INTERNATIONAL BANKING

SL CodeUniBankCBS

Rs. 80/- (flat) per transaction

INTERNATIONAL BANKING

Particulars Charges

3) Advance Payment

24

0.15% Min Rs. 400/-Rs. 200/- (flat)

a) Service charges b) Commission

c) Export Development Surcharge As per prevailing SBP

54206650 064034

54206650 064002

541800800 359018

regulations (as and when theshipment is effected).

4) EDS handling charges 54206750 078052

5) If the documents are sent to other banks for negotiation under restricted Letter of Credit

Rs. 400/-(flat) 54206600 064034

6) Collections a) Clean cheques / Drafts / FTCs b) Documentary (on which bank does not earn any exchange difference)

Rs.100/-Rs. 200/- per collection (flat)

54206800 064034

54206800 064034

Account

7) Duty Drawback Claim.

8) Service charges against export documents sent for collection basis where payment cover is already received to our Foreign Currency

13 paisas per Rs.100/-

0.25% of the amount of claim,Min. Rs. 250/- per case

54206600 064034

54206600 064034

9) NOC Issued Document transferred against export document10) Freight Subsidy

Rs. 500/- per bill

Rs. 400/- per case

54206600 064034

54206600 078053

11) Research & Development Surcharge - R&D handling charges

0.25% of the amount of claim,Min Rs. 250/- per case

54206750 078052

12) Any Certificate issued in current Financial year including withholding tax certificate

Rs.1,000/- per certificateRs. 2,000/- per certificate

54206850 064034

a) Originalb) Duplicate

13) Trade Development Authority Registration certificate verification14) Duplicate advice issuance

Rs. 200/- per certificate

Rs.300/- per duplicate advice

54206850 064034

54206850 064034

15) a) Negotiation of documents drawn under sight Letter of Credit (Delayed Realization) If proceeds not realized / credited to our customer's account within 12 days than mark- up is applicable to customer. NICF facility will be charged for any delay beyond b) Negotiation (Usance) (Delayed Realization) If payment of Foreign / Local Bills realized within 03 days, no mark-up to be charged. Incase proceeds not realized/credited to our account within 03 days from the date of the maturity till its adjustment than mark-up 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 mark-up will be charged

Mark-up rate @ 54 paisa perRs.1,000/- per day to becharged

Mark-up rate @ 54 paisa perRs.1,000/- per day to becharged

52600310 060008

52600310 060008

Rs.2,500/- per certificate

Rs.1,000/- per certificate

16) Issuance of business performance certificate of previous years at the customer request

17) FED invoice certificate

54206420 064002

54206850 064034

Flat charges Rs. 500/- only onOut-Bound Export proceeds

19) Export Proceeds Transfer 54206850 064043

in FCY only

Rs.1,500/- plus swift &communication charges

18) Export LC Cancellation 54206000 064047

In addition to above, commission/service charges, recovery of courier/postage / fax charges will also bemade according to prescribed tariff (wherever applicable)

Note:

to prior approval by concerned sanctioning authority.

Charges negotiable on case to case basis under approval of relevant Business Head.In addition to the charges above, all applicable Government levies will also be recovered.

The Bank reserves the right to charge different rates on the basis of volume and security offered subject

SL CodeUniBankCBS

Rupee Accountcollection (in Addition to foreignor Equivalent Rupees per

INTERNATIONAL BANKING

Particulars Charges

C. REMITTANCES1) Outward

25

cheques sold, Min. Rs. 400/- a) Foreign Travelers Cheques 1% of the amount of travelers 54207500 064028

Min. US$ 10, Max. US$ 100

b) i) Remittance abroad through Foreign Currency Account

Commission @ 0.25% perUS$ 1,000 or part thereof,

54207550 064007

ii) Remittance against surrender of Foreign Currency notes or cash deposited in Foreign Currency Accounts within 15 days from the date of such deposit

Commission mentioned under(b)(i)above, service charges@ 0.25% to be recovered MinRs.200/-

iii) Foreign Currency cash deposited in Foreign Currency account for realization of export proceeds

iv) Collection for Foreign Currency Account

In addition to commissionmentioned at (b) (i) above,

charged in case of realizationof export proceeds againstcash deposited in ForeignCurrency Account0.6%, Min US$ 7, Max US$15

service charges @0.25% to be

v) Account to account transfer of Foreign Exchange Companies in Foriegn Currency

Accounts (having same title of accounts)

Commission @ US $1 per1,000/-or part thereof, Min. US$8 Max. US $75

within UBL Branches (Locally)

c) Remittance abroad other than through Foreign Currency Account

i) Students (for education purpose) Rs. 200/-

54207600 064007

iii) FDD / FTT

ii) Service charges against issuance of FMT/ FDD / TC against Pak Rupees (Not applicable on advance payment imports)

iii) Service charges on issuance of FMT/FDD against Export

d) i) FDD / FTT cancellation charges

ii) Under general permission or specific approval of SBP

cancellation charges against Export

e) i) Issuance of duplicate FDD

ii) Issuance of duplicate FDD under Export

c) Service charges on payment of Inward Foreign Remittance/Swift Transfer received in Foreign Currency (Charges code SHA/BEN/OUR) and cover through our various Nostros.These charges are to be recovered only when TT buying rate is applied.

@ 15 paisas per Rs.100/-,Min. Rs. 400/-

@ 15 paisas per Rs.100/-,Min. Rs. 500/-

Rs. 500/- per item

Rs.250/-

Rs.500/- per cancellation

Rs.400/

Rs.500/- (flat)

Favoring UBL Customers:@ 0.15%, of remittanceamount with Min USD 5 andMax USD 20 (Equivalent PakRupees). Beneficiaries withother local banks: @0.15%, ofremittance amount withMin USD 10 and Max USD 25(Equivalent Pak Rupees)

54207750 064007

54207700 064007

54207850 064070

2) Inward a) Home Remittance b) Others

No CommissionNil, if the proceed are creditedto an account with UBL. Inother cases, flat charges @Rs.500/-

54207850 064070

d) Inward cheques expressed in Foreign Currency drawn on Foreign Currency accounts received from local / upcountry bank's branches for payment in Pak Rupees after conversion at authorised dealers buying TT clean rates

Rs.0.15%, Min. Rs.400/- 54207850 064070

Bank charges)

e) Clean Collection-Using Foreign Correspondent arrangements i) Collection for Foreign Currency Account or 0.6%, Min US$ 7, Max US$ 15 54207600

54207550064070064070

SL CodeUniBankCBS

INTERNATIONAL BANKING

Particulars Charges

ii) Cheque/Draft/FTCs Returned unpaid

iii) Postage

Rs. 400/- (flat)

Rs. 200/- (flat)

26

06408054203700

08000157800200

Note:In addition to above, commission/service charges, recovery of courier/postage / fax charges will also bemade according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head.In addition to the charges above, all applicable Government levies will also be recovered

D. MISCELLANEOUS

1) Correspondent Banking charges At Actuals

2) (Postage / Fax /Telephone / SWIFT and Courier)a) Postage (Within City)* i) Foreign at actual Min.Rs.150/-

ii) Within City for import and export Rs. 200/-

Foreign at actual, Min. Rs.150/-b) Postage (Within City-Registered)*

07809954208000

08000157800200

08000157800200

*Note:UBL Branches, Joint Ventures and Subsidiaries exempted.

c) Fax / Telephone / SWIFT

d) Courier

Full SWIFT L/C, Guarantee andLong Messages Min. Rs.2,000/-or actual whichever is higher.Short SWIFT/ LC amendmentRs. 1,000/- or actual whicheveris higherForeign Rs.1,300/-

08100157800100

08000557800200

7) Credit check at customer's request Rs.300/-

3) Foreign bills sent for collection returned unpaid Rs.500/- (flat) 06408054203700

07802954206850

branches and where the payment is demanded in

4) Inward collection received relating to Foreign Currency A/c from abroad or local banks /

Foreign Currency

US$ 5 per US$ 1,000 or partthere of and Max. US$ 15

06405654203700

5) 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)

Commission @ 0.10%, Min.Rs.200/-

06405654203700

6) Issuance of proceeds certificate beyond one year Rs.500/- (flat) per certificate 06405054206850

8) Service charges for verification of test / signature and mail L/Cs

Rs.500/- per instance 06405054206850

9) Standing instructions charge in Foreign Currency Accounts

US$ 5 per transaction 06402054206850

b) Negotiation (Usance)

per special approval by thecompetent authority.Incase of no NICF facility isavailable to the customer thenmarkup @54 paisa perRs.1,000/- per day to becharged.

06000852600301

10) a) Negotiation of documents drawn under sight letter of credit

06000852600301

adjustment @ applicable to our

If payment Foreign/Local billsrealized within 3 days, nomarkup to be charged. Incaseproceeds not realized/creditedto our account within 3 daysfrom the date of maturity thenmarkup to be charged from thedate of maturity till its

Customer's NICF facility or as

If proceeds not realized /credited to our customer'saccount within 12 days thenmarkup @ applicable to ourcustomer NICF facility to becharged for any delay beyond12 days. Incase no NICF facilityto the customer then mark up@ 54 paisa per Rs. 1,000/- perday to be charged.

SL CodeUniBankCBS

In addition to above, commission/service charges, recovery of courier/postage/ fax charges will also be made according

As per clarification given by the SBP Foreign Exchange Department 6734/ FEP.9 (126-242)-95

Commission / service charges, recovery of courier postage / fax charges will also be made

INTERNATIONAL BANKING

Particulars Charges

27

12) FED Invoice certificate (Export) Rs.1,000/- per certificate 06405054206850

Rs.2,000/- per certificate11) Issuance of business performance 06405054206850

•SIGNATURE PRIORITY BANKING CUSTOMERS:Please refer to your Priority Lounge Relationship Manager for other applicable waivers on Scheduleof Charges, including FCY Accounts.

IMPORTANT NOTES:

•be recovered.

All Government levies including FED will be recovered where applicable.All regular branch banking charges will be applied for the transaction through branches.

•according to prescribed tariff (wherever applicable.) All rates are subject to change.

••

•dated 19-12-95 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 StateBank 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 Edition-2002). However for Letters of Credit"Authorization to pay" opened by other public sector agencies in Federal / Provincial Governmentincluding autonomous, semi autonomous bodies e.g., K.E.S.C. Limited, WAPDA, PTCL, etc., thecommission 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 offeredsubject to prior approval by concerned sanctioning authority.OBC charges for Intercity UniRemote transactions would not apply

Charges for cash collect will be subject to contractual agreement with the customer.Symbol branches are to use relevant SL Codes as suggested by migration team.

Note:

to prescribed tariff (wherever applicable)

In addition to the charges above, all applicable Government levies will also be recoveredCharges negotiable on case to case basis under approval of relevant Business Head.

See Page 10 & 11 for waivers on Business Partner Accounts & Business Partner Plus.

Where Online system is down, remittance may be sent by other means but UniRemote charges will

••

SL CodeUniBankCBS


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