international banking - mcb bank limitedjan-_jun_2013)(schedule... · mcb bank limited - islamic...

MCB Bank Limited - Islamic BankingSchedule of Bank Charges

January to June 2013

S. # GL CodesITEM RATES

INTERNATIONAL BANKING

A

1)a) (a) Service charges on Cash Letters of Credit where the amount of 3030401080

IMPORT L/C is: Charges to be recovered on aggregate business of a customer per calendar year.In addition commitment letter to be obtained from the customer forrecovering "difference" in service charges arising out of shortfall in business volumes against committed business

IMPORTS

INTERNATIONAL BANKING

business volumes against committed business1st quarter or part Subsequent quarters

From To thereof or part thereof1 500000 2000 1500

500001 800000 3200 2400800001 1000000 4000 3000

1000001 2000000 8000 60002000001 3000000 12000 90003000001 4000000 16000 120004000001 5000000 20000 150005000001 6000000 24000 180006000001 7000000 28000 210007000001 8000000 32000 24000

Amount Range

7000001 8000000 32000 240008000001 9000000 36000 270009000001 10000000 40000 30000

10000001 11000000 44000 3300011000001 12000000 48000 3600012000001 13000000 52000 3900013000001 14000000 56000 4200014000001 15000000 60000 4500015000001 16000000 64000 4800016000001 17000000 68000 5100017000001 18000000 72000 5400018000001 19000000 76000 5700019000001 20000000 80000 6000020000001 21000000 84000 6300020000001 21000000 84000 6300021000001 22000000 88000 6600022000001 23000000 92000 6900023000001 24000000 96000 7200024000001 25000000 100000 7500025000001 26000000 104000 7800026000001 27000000 108000 8100027000001 28000000 112000 8400028000001 29000000 116000 8700029000001 30000000 120000 9000030000001 31000000 124000 9300031000001 32000000 128000 9600032000001 33000000 132000 9900033000001 34000000 136000 10200033000001 34000000 136000 10200034000001 35000000 140000 10500035000001 36000000 144000 10800036000001 37000000 148000 11100037000001 38000000 152000 11400038000001 39000000 156000 11700039000001 40000000 160000 12000040000001 41000000 164000 12300041000001 42000000 168000 12600042000001 43000000 172000 12900043000001 44000000 176000 13200044000001 45000000 180000 13500045000001 46000000 184000 13800045000001 46000000 184000 13800046000001 47000000 188000 14100047000001 48000000 192000 14400048000001 49000000 196000 14700049000001 50000000 200000 15000050000001 51000000 178500 12750051000001 52000000 182000 13000052000001 53000000 185500 13250053000001 54000000 189000 13500054000001 55000000 192500 13750055000001 56000000 196000 14000056000001 57000000 199500 14250057000001 58000000 203000 14500058000001 59000000 206500 14750058000001 59000000 206500 14750059000001 60000000 210000 15000060000001 61000000 213500 15250061000001 62000000 217000 15500062000001 63000000 220500 15750063000001 64000000 224000 16000064000001 65000000 227500 16250065000001 66000000 231000 16500066000001 67000000 234500 167500

- 1 -



S. # GL CodesITEM RATES 67000001 68000000 238000 17000068000001 69000000 241500 17250069000001 70000000 245000 17500070000001 71000000 248500 17750071000001 72000000 252000 18000072000001 73000000 255500 18250072000001 73000000 255500 18250073000001 74000000 259000 18500074000001 75000000 262500 18750075000001 76000000 228000 15200076000001 77000000 231000 15400077000001 78000000 234000 15600078000001 79000000 237000 15800079000001 80000000 240000 16000080000001 81000000 243000 16200081000001 82000000 246000 16400082000001 83000000 249000 16600083000001 84000000 252000 16800084000001 85000000 255000 17000085000001 86000000 258000 17200085000001 86000000 258000 17200086000001 87000000 261000 17400087000001 88000000 264000 17600088000001 89000000 267000 17800089000001 90000000 270000 18000090000001 91000000 273000 18200091000001 92000000 276000 18400092000001 93000000 279000 18600093000001 94000000 282000 18800094000001 95000000 285000 19000095000001 96000000 288000 19200096000001 97000000 291000 19400097000001 98000000 294000 19600097000001 98000000 294000 19600098000001 99000000 297000 19800099000001 100000000 300000 200000

100000001 101000000 252500 151500101000001 102000000 255000 153000102000001 103000000 257500 154500103000001 104000000 260000 156000104000001 105000000 262500 157500105000001 106000000 265000 159000106000001 107000000 267500 160500107000001 108000000 270000 162000108000001 109000000 272500 163500109000001 110000000 275000 165000110000001 111000000 277500 166500110000001 111000000 277500 166500111000001 112000000 280000 168000112000001 113000000 282500 169500113000001 114000000 285000 171000114000001 115000000 287500 172500115000001 116000000 290000 174000116000001 117000000 292500 175500117000001 118000000 295000 177000118000001 119000000 297500 178500119000001 120000000 300000 180000120000001 121000000 302500 181500121000001 122000000 305000 183000122000001 123000000 307500 184500123000001 124000000 310000 186000123000001 124000000 310000 186000124000001 125000000 312500 187500125000001 126000000 315000 189000126000001 127000000 317500 190500127000001 128000000 320000 192000128000001 129000000 322500 193500129000001 130000000 325000 195000130000001 131000000 327500 196500131000001 132000000 330000 198000132000001 133000000 332500 199500133000001 134000000 335000 201000134000001 135000000 337500 202500135000001 136000000 340000 204000136000001 137000000 342500 205500137000001 138000000 345000 207000138000001 139000000 347500 208500139000001 140000000 350000 210000140000001 141000000 352500 211500141000001 142000000 355000 213000142000001 143000000 357500 214500143000001 144000000 360000 216000144000001 145000000 362500 217500145000001 146000000 365000 219000146000001 147000000 367500 220500147000001 148000000 370000 222000148000001 149000000 372500 223500148000001 149000000 372500 223500149000001 150000000 375000 225000

b) 3060401010Discrepancy in L/C documents.

(b) US$50/-(flat) will be added as service charges in Murabaha Selling Price.

Above Rs. 150 Million Negotiable (See Note below Minimum Rs.2000/-)

(a) If discrepancies are found in the import L/C documents all charges for correspondence etc. should be recovered from the customers at actual, minimum Rs.200/- plus Foreign bank charges if incurred subsequently.

- 2 -



S. # GL CodesITEM RATES Notes:

a) (Group) Head is authorized to refund L/C service charges on prorata basis upon cancellation of L/C before its expiry. However while refunding prorata service charges for unexpired period,care should be taken that the service charges for partial usage should be charged subject to minimum of Rs.2,000/-.b) LC confirmation charges/ charges outside Pakistan , where applicable, will be recovered on case to case basis.b) LC confirmation charges/ charges outside Pakistan , where applicable, will be recovered on case to case basis.c) Swift charges to be included in addition to above charges..d) Expected annual import volume to be ascertained and approved by Business Head and periodically reviewed for determining the volume of import business to be in line with the customer's commitment.e) Commitment letter to be obtained from the customer for recovering "Difference" in service charges arising out of shortfall in business volumes against committed business.f) Recovery of service charges, if any, due to shortfall in volumes of business will be made by the branches at the end of the year.

2)3030401080

Notes:

Revalidation Charges for expired L/C. Charges to be recovered from the date subsequent to the date of expiry of L/C at rates applicable in case of Opening of fresh L/C

1) L/C commission will be calculated on the amount of liability as per foreign exchange rate pervailing on the date of revalidation.2) Revalidation service charges will be charged upon acceptance of documents by the applicant drawn against expired L/C for the period beyond original expiry of the L/C.

3) Upto Rs.5000/- as handling charges3030401620

4) Upto 1M Rs.800/- Over 1M Rs.1200/-

Registration of contract with SBP in respect of Private Foreign Currency Financing obtained by borrowers in Pakistan from foreign lenders.

Issuance of certificate (NOC) regarding forward exchange booking/payment through other bank at importer's request.

5) Amendment in L/C Contract3030401080

expiry date3030401630

6) Registration of Import contract

Per transaction foreign & local 3030401630

Rs.1,200/- per transaction, (Plus applicable swift charges).

(b) Amendments LC/ Contract involving change in amount and/ or extension in expiry date.

Rs.1,200/- per transaction plus applicable charges as per item 1 & 6 on pg. 1 & 2

(a) Amendments without increase in amount or extension in expiry date.

Subsequent quartersFrom To or part thereof

1 500000 - 500001 800000 1,500 800001 1000000 2,400

1000001 2000000 3,000 2000001 3000000 6,000 3000001 4000000 9,000 4000001 5000000 12,000 5000001 6000000 15,000 6000001 7000000 18,000 7000001 8000000 21,000

Amount Range

7000001 8000000 21,000 8000001 9000000 24,000 9000001 10000000 27,000

10000001 11000000 30,000 11000001 12000000 33,000 12000001 13000000 36,000 13000001 14000000 39,000 14000001 15000000 42,000 15000001 16000000 45,000 16000001 17000000 48,000 17000001 18000000 51,000 18000001 19000000 54,000 19000001 20000000 57,000 19000001 20000000 57,000 20000001 21000000 60,000 21000001 22000000 63,000 22000001 23000000 66,000 23000001 24000000 69,000 24000001 25000000 72,000 25000001 26000000 75,000 26000001 27000000 78,000 27000001 28000000 81,000 28000001 29000000 84,000 29000001 30000000 87,000 30000001 31000000 90,000 31000001 32000000 93,000 32000001 33000000 96,000 33000001 34000000 99,000 34000001 35000000 102,000 35000001 36000000 105,000 36000001 37000000 108,000 37000001 38000000 111,000 38000001 39000000 114,000 39000001 40000000 117,000 40000001 41000000 120,000 41000001 42000000 123,000 42000001 43000000 126,000

- 3 -



S. # GL CodesITEM RATES 43000001 44000000 129,000 44000001 45000000 132,000 45000001 46000000 135,000 46000001 47000000 138,000 47000001 48000000 141,000 48000001 49000000 144,000 48000001 49000000 144,000 49000001 50000000 147,000 50000001 51000000 125,000 51000001 52000000 127,500 52000001 53000000 130,000 53000001 54000000 132,500 54000001 55000000 135,000 55000001 56000000 137,500 56000001 57000000 140,000 57000001 58000000 142,500 58000001 59000000 145,000 59000001 60000000 147,500 60000001 61000000 150,000 60000001 61000000 150,000 61000001 62000000 152,500 62000001 63000000 155,000 63000001 64000000 157,500 64000001 65000000 160,000 65000001 66000000 162,500 66000001 67000000 165,000 67000001 68000000 167,500 68000001 69000000 170,000 69000001 70000000 172,500 70000001 71000000 175,000 71000001 72000000 177,500 72000001 73000000 180,000 72000001 73000000 180,000 73000001 74000000 182,500 74000001 75000000 185,000 75000001 76000000 150,000 76000001 77000000 152,000 77000001 78000000 154,000 78000001 79000000 156,000 79000001 80000000 158,000 80000001 81000000 160,000 81000001 82000000 162,000 82000001 83000000 164,000 83000001 84000000 166,000 84000001 85000000 168,000 84000001 85000000 168,000 85000001 86000000 170,000 86000001 87000000 172,000 87000001 88000000 174,000 88000001 89000000 176,000 89000001 90000000 178,000 90000001 91000000 180,000 91000001 92000000 182,000 92000001 93000000 184,000 93000001 94000000 186,000 94000001 95000000 188,000 95000001 96000000 190,000 96000001 97000000 192,000 96000001 97000000 192,000 97000001 98000000 194,000 98000001 99000000 196,000 99000001 100000000 198,000

7) Upto 0.15% 3030401640orRemittance after receipt of Import documents (Open Account Transaction)

Minimum Charges Rs.1,500 (Plus Applicable SWIFT charges)

Above Rs. 100 Million Negotiable (See Note below Minimum Rs.1,500/-)

Advance payment to suppliers for Import against which LC/ Import contract has not been registered.

8) Import on Collection Bills (Foreign Import Documentary Bills for Collection)

(a) Handling Charges Rs.1,000/- (Flat) per collection provided if charges are on Drawee's A/c 3030401060US$75/-if charges are on Drawer's (Exporter) A/c

(b) Return unpaid 3060401010

9) Service charges

(a) Service charges against all import bills. Upto 0.15% 3060401010(Collection & L/C Bills)

US$ 100/- (Flat) from remitting bank plus courier charges & other charges, if any.

(Collection & L/C Bills)Minimum Charges Upto Rs.1,500/-. (see note at the end of the section)

(b) Form "I" handling charges Upto Rs. 25/- per "I" Form 3060401010

10) Reimbursement charges (payable to reimbursing bank) At actual 3030401080

- 4 -




11) (a) Delivery order issued for release of consignment in the Rs.2,000/- 3030401670absence of original documents

b) Arrangement/Endorsement Fee in case a) If charges are on drawee account upto Rs.1,000/- 3030401080title/transport documents are drawn in favour title/transport documents are drawn in favour of MCB without prior permission in Foreign Inward Documentary Bills for Collection.

12) Clearance of Consignment under terms of limit Approval or a) Charges against approved limit @0.20% on C&F Value (see note below) 3030401680Unarranged clearance by the Bank

b) Charges @0.25% on C&F value on forced clearance. (see note below)

c) No charges if customer pays directly to C & F agent

Minimum Charges Upto Rs.1,000/-.

b) If charges are on drawer (exporter) account US$ 50/- deductable from proceed.

13) Profit on Sight Import Bills under LC

(a) When retired within 10 days from the date of No additional charges over & above approved profit.negotiation*

3030401690

3030401690

Approved Profit Plus Additional Charges Upto @ 0.20 per Rs.100/- on purchase price

(c) When retired after 20 days but within 35 days from the date of negotiation *

(b) When retired after 10 days but within 20 days from the date of negotiation

Approved Profit Plus Additional Charges Upto @ 0.25 per Rs. 100/- on purchase price

3030401690

3030401690

(The above charges will be levied subject to execution of Sharia Compliance transaction).In absense of approved financing facility pricing of K+4 will be charged on Murabaha funding (import). However in case of approval of funding facility the rate of same facility will be charged on funding period.

Approved Profit Plus Additional Charges Upto @ 0.45 per Rs.100/- on purchase price

Approved Profit Plus Additional Charges Upto @ 0.30 per Rs.100/- on purchase price(d) When retired after 35 days but within 50 days from the date of negotiation

(e) When retired after 50 days from the date of negotiation

14) LC cancellation charges If requested by customer all L/C related service charges(L/C 3030401080opening charges) borned by bank before the execution of Murabaha must be recovered from the customer.Rs. 2,000/- per LC plus applicableSWIFT charges

15) Transfer Charges at rates applicable in case of opening of fresh L/C.

Notes: * Date of negotiation means value date when Bank's Nostro Account is Debited. M-up and Service Charrges will be applied on outstanding from value date.** Iin case 100% cash margin is deposited on or before the date of negotiation, no profit other than normal service charges will be charged.

Transfer of L/C to new beneficiary.

16)(a) Charges against Acceptance of Bills drawn at Usance under L/C. Rs.1,000/- per bill (flat) in addition to the following charges. 3030401080

Per MonthFrom To or part thereof

1 500,000 1,000 500,001 800,000 1,200 800,001 1,000,000 1,500

1,000,001 1,500,000 2,250 1,500,001 2,000,000 3,000

Amount Range

1,500,001 2,000,000 3,000 2,000,001 2,500,000 3,750 2,500,001 3,000,000 4,500 3,000,001 3,500,000 5,250 3,500,001 4,000,000 6,000 4,000,001 4,500,000 6,750 4,500,001 5,000,000 7,500 5,000,001 5,500,000 8,250 5,500,001 6,000,000 9,000 6,000,001 6,500,000 9,750 6,500,001 7,000,000 10,500 7,000,001 7,500,000 11,250 7,500,001 8,000,000 12,000 7,500,001 8,000,000 12,000 8,000,001 8,500,000 12,750 8,500,001 9,000,000 13,500 9,000,001 9,500,000 14,250 9,500,001 10,000,000 15,000

10,000,001 11,000,000 16,500 11,000,001 12,000,000 18,000 12,000,001 13,000,000 19,500 13,000,001 14,000,000 21,000 14,000,001 15,000,000 22,500 15,000,001 16,000,000 24,000

- 5 -



S. # GL CodesITEM RATES 16,000,001 17,000,000 25,500 17,000,001 18,000,000 27,000 18,000,001 19,000,000 28,500 19,000,001 20,000,000 30,000 20,000,001 21,000,000 31,500 21,000,001 22,000,000 33,000 21,000,001 22,000,000 33,000 22,000,001 23,000,000 34,500 23,000,001 24,000,000 36,000 24,000,001 25,000,000 37,500 25,000,001 26,000,000 39,000 26,000,001 27,000,000 40,500 27,000,001 28,000,000 42,000 28,000,001 29,000,000 43,500 29,000,001 30,000,000 45,000 30,000,001 31,000,000 46,500 31,000,001 32,000,000 48,000 32,000,001 33,000,000 49,500 33,000,001 34,000,000 51,000 33,000,001 34,000,000 51,000 34,000,001 35,000,000 52,500 35,000,001 36,000,000 54,000 36,000,001 37,000,000 55,500 37,000,001 38,000,000 57,000 38,000,001 39,000,000 58,500 39,000,001 40,000,000 60,000 40,000,001 41,000,000 61,500 41,000,001 42,000,000 63,000 42,000,001 43,000,000 64,500 43,000,001 44,000,000 66,000 44,000,001 45,000,000 67,500 45,000,001 46,000,000 69,000 45,000,001 46,000,000 69,000 46,000,001 47,000,000 70,500 47,000,001 48,000,000 72,000 48,000,001 49,000,000 73,500 49,000,001 50,000,000 75,000 50,000,001 51,000,000 76,500 51,000,001 52,000,000 78,000 52,000,001 53,000,000 79,500 53,000,001 54,000,000 81,000 54,000,001 55,000,000 82,500 55,000,001 56,000,000 84,000 56,000,001 57,000,000 85,500 57,000,001 58,000,000 87,000 57,000,001 58,000,000 87,000 58,000,001 59,000,000 88,500 59,000,001 60,000,000 90,000 60,000,001 61,000,000 91,500 61,000,001 62,000,000 93,000 62,000,001 63,000,000 94,500 63,000,001 64,000,000 96,000 64,000,001 65,000,000 97,500 65,000,001 66,000,000 99,000 66,000,001 67,000,000 100,500 67,000,001 68,000,000 102,000 68,000,001 69,000,000 103,500 69,000,001 70,000,000 105,000 69,000,001 70,000,000 105,000 70,000,001 71,000,000 106,500 71,000,001 72,000,000 108,000 72,000,001 73,000,000 109,500 73,000,001 74,000,000 111,000 74,000,001 75,000,000 112,500 75,000,001 76,000,000 114,000 76,000,001 77,000,000 115,500 77,000,001 78,000,000 117,000 78,000,001 79,000,000 118,500 79,000,001 80,000,000 120,000 80,000,001 81,000,000 121,500 81,000,001 82,000,000 123,000 81,000,001 82,000,000 123,000 82,000,001 83,000,000 124,500 83,000,001 84,000,000 126,000 84,000,001 85,000,000 127,500 85,000,001 86,000,000 129,000 86,000,001 87,000,000 130,500 87,000,001 88,000,000 132,000 88,000,001 89,000,000 133,500 89,000,001 90,000,000 135,000 90,000,001 91,000,000 136,500 91,000,001 92,000,000 138,000 92,000,001 93,000,000 139,500 93,000,001 94,000,000 141,000 93,000,001 94,000,000 141,000 94,000,001 95,000,000 142,500 95,000,001 96,000,000 144,000 96,000,001 97,000,000 145,500 97,000,001 98,000,000 147,000 98,000,001 99,000,000 148,500 99,000,001 100,000,000 150,000

See note belowMinimum Rs.1,000/-

(b) Extension in maturity of Usance Bill under L/C/Contract Service charges upto Rs.1500/- (Flat per bill)

Over 100,000,000

- 6 -




17) Service charges in lieu of exchange earnings if importer arranges Charges as under plus handling charges Rs.800/- Flat.Foreign Exchange Cover through another Bank for effecting payment of import transaction lodged with MCB

ChargesFrom To

1 500,000 500 500,001 800,000 800 800,001 1,000,000 1,000

1,000,001 1,500,000 1,500 1,500,001 2,000,000 2,000 2,000,001 2,500,000 2,500 2,500,001 3,000,000 3,000 3,000,001 3,500,000 3,500 3,500,001 4,000,000 4,000 4,000,001 4,500,000 4,500

Amount Range

4,000,001 4,500,000 4,500 4,500,001 5,000,000 5,000 5,000,001 5,500,000 5,500 5,500,001 6,000,000 6,000 6,000,001 6,500,000 6,500 6,500,001 7,000,000 7,000 7,000,001 7,500,000 7,500 7,500,001 8,000,000 8,000 8,000,001 8,500,000 8,500 8,500,001 9,000,000 9,000 9,000,001 9,500,000 9,500 9,500,001 10,000,000 10,000

10,000,001 11,000,000 11,000 10,000,001 11,000,000 11,000 11,000,001 12,000,000 12,000 12,000,001 13,000,000 13,000 13,000,001 14,000,000 14,000 14,000,001 15,000,000 15,000 15,000,001 16,000,000 16,000 16,000,001 17,000,000 17,000 17,000,001 18,000,000 18,000 18,000,001 19,000,000 19,000 19,000,001 20,000,000 20,000 20,000,001 21,000,000 21,000 21,000,001 22,000,000 22,000 22,000,001 23,000,000 23,000 22,000,001 23,000,000 23,000 23,000,001 24,000,000 24,000 24,000,001 25,000,000 25,000 25,000,001 26,000,000 26,000 26,000,001 27,000,000 27,000 27,000,001 28,000,000 28,000 28,000,001 29,000,000 29,000 29,000,001 30,000,000 30,000 30,000,001 31,000,000 31,000 31,000,001 32,000,000 32,000 32,000,001 33,000,000 33,000 33,000,001 34,000,000 34,000 34,000,001 35,000,000 35,000 34,000,001 35,000,000 35,000 35,000,001 36,000,000 36,000 36,000,001 37,000,000 37,000 37,000,001 38,000,000 38,000 38,000,001 39,000,000 39,000 39,000,001 40,000,000 40,000 40,000,001 41,000,000 41,000 41,000,001 42,000,000 42,000 42,000,001 43,000,000 43,000 43,000,001 44,000,000 44,000 44,000,001 45,000,000 45,000 45,000,001 46,000,000 46,000 46,000,001 47,000,000 47,000 46,000,001 47,000,000 47,000 47,000,001 48,000,000 48,000 48,000,001 49,000,000 49,000 49,000,001 50,000,000 50,000 50,000,001 51,000,000 51,000 51,000,001 52,000,000 52,000 52,000,001 53,000,000 53,000 53,000,001 54,000,000 54,000 54,000,001 55,000,000 55,000 55,000,001 56,000,000 56,000 56,000,001 57,000,000 57,000 57,000,001 58,000,000 58,000 58,000,001 59,000,000 59,000 58,000,001 59,000,000 59,000 59,000,001 60,000,000 60,000 60,000,001 61,000,000 61,000 61,000,001 62,000,000 62,000 62,000,001 63,000,000 63,000 63,000,001 64,000,000 64,000 64,000,001 65,000,000 65,000 65,000,001 66,000,000 66,000 66,000,001 67,000,000 67,000 67,000,001 68,000,000 68,000 68,000,001 69,000,000 69,000 69,000,001 70,000,000 70,000

- 7 -



S. # GL CodesITEM RATES 70,000,001 71,000,000 71,000 71,000,001 72,000,000 72,000 72,000,001 73,000,000 73,000 73,000,001 74,000,000 74,000 74,000,001 75,000,000 75,000 75,000,001 76,000,000 76,000 75,000,001 76,000,000 76,000 76,000,001 77,000,000 77,000 77,000,001 78,000,000 78,000 78,000,001 79,000,000 79,000 79,000,001 80,000,000 80,000 80,000,001 81,000,000 81,000 81,000,001 82,000,000 82,000 82,000,001 83,000,000 83,000 83,000,001 84,000,000 84,000 84,000,001 85,000,000 85,000 85,000,001 86,000,000 86,000 86,000,001 87,000,000 87,000 87,000,001 88,000,000 88,000 87,000,001 88,000,000 88,000 88,000,001 89,000,000 89,000 89,000,001 90,000,000 90,000 90,000,001 91,000,000 91,000 91,000,001 92,000,000 92,000 92,000,001 93,000,000 93,000 93,000,001 94,000,000 94,000 94,000,001 95,000,000 95,000 95,000,001 96,000,000 96,000 96,000,001 97,000,000 97,000 97,000,001 98,000,000 98,000 98,000,001 99,000,000 99,000 99,000,001 100,000,000 100,000 99,000,001 100,000,000 100,000

See note belowMinimum Rs.1,000/-

17) D/A service charges for bills drawn under L/C if business Negotiable by Branch/ Relationship/ Regional Manager with thecommitment exceeds Rs. 250 M p.a. approval of Business Group Head.

18) a) If Charges are on Applicant's Account:- 3060401010

Over 100,000,000

Discrepant documents handling charges under Import LCs.18) a) If Charges are on Applicant's Account:- 3060401010

b) If Charges are on Beneficiary's Account:-US$50/-

Note:Note: No charges to be recovered in case such charges have already been charged under the Private Labeling arrangements.

19) Freight certificate for Import on FOB basis. Upto Rs.1,000/- per certificate 3030401080

20) Credit report on beneficiaries or foreign buyer At actual

All charges for correspondence SWIFT etc. plus foreign bank's charges (if any)Discrepant documents handling charges under Import LCs.

20) Credit report on beneficiaries or foreign buyer At actual

Note:

B

All trade finance / guarantee related items can be relaxed / waived by the Grooup Head IBG subject to sign off by Head TPD and subject to FED. Over & above charges will be included in charity.

EXPORTS

1 Letters of Credit :

(a) Advising (Foreign & Inland)3030401720

(b) Amendment Advising (Foreign & Inland)3030401720

Upto 0.25% - Minimum Rs.475/-.3030401720

(d) Addition of Confirmation (foreign & Inland) Upto 0.25% per quarter (1.00% p.a.) 3030401110Minimum with floor Rs.2,000/-(Subject to availability of country limits/cross border risk)

Upto Rs. 1,000/- Flat, USD 50 outside Pakistan plus applicable courier/swift charges

(c) Musharakah Export Financing - Foreign

Upto Rs. 1,500/-, US$ 50/- outside Pakistan plus applicable courier/swift charges

(Subject to availability of country limits/cross border risk)

(e) Transfer of export L/C (Foreign & Inland) Rs.1,500/- 3030401720

(f) Reimbursement payment to other local banks from Upto Rs.1,000/- 3030401110 Non Resident Rupee Accounts/ ACU Dollar Accounts.

(g) Reimbursement payment to other local banks from

2 When documents are sent to other bank under restriced letter Rs.1,000/- 3030401110 of credit.

- 8 -




3 Collections Charges:(a) Clean Bills (cheque, bank draft etc.) i) Rs.100/- per collection. 3030401110

(b) Documentary Bills without exchange difference earnings. Rs.500/- per collection. 3030401110

4 Local US$ Collection & Settlement:a) For collection of instrument Rs.300/- plus courier/Fax/Telephone Charges at actual

(This includes Rs.100/- payable to NIFT for its services.)

b) For instruments return unpaid Rs.450/- plus courier/Fax/Telephone Charges at actual.(This includes Rs.200/- payable to NIFT for its services.)

5 Handling Charges: Minimum Maximum(a) Duty Draw Back Claims. Rs. 250/- @ 0.25% 3030401730

(b) Issuance/Reissuance/Duplicate of Annex'A' Rs.250/- per transaction (see note below) 3030401730 for the purpose of claiming duty draw back

(c) On Freight subsidy Claims 0.15% per transaction, Minimum Charges upto Rs.250/- per transaction. 3030401300

(d) On collection of Exp. Dev. Surcharge Rs.80/- per transaction. 3030401730

0.25%, Minimum Upto 250/- per transaction 3030401290

0.15%, Minimum upto Rs.1,500/- per transaction 3030401740

Upto Rs.1,000/- per shipment. 3030401110(g) (i) IERS Part - I where pre-shipement is obtained from MCB and

(f) Charges on Advance Payment

(e) Research & Development Support Claims (R&D)

Upto Rs.1,000/- per shipment. 3030401110export is routed throgh other Bank.

(ii) IERS Part I- II NOC for entitlement. Upto Rs.1,000/- per NOC. 3030401110

Upto Rs.1,000/- per NOC 3030401110

Upto Rs. 300/- per "E" Form 3060402010

Note:-Charges are subject to the negotiation with client on case to case basis depending on cost & benefit analysis after obtaining appproval from

(h) On EE /EF NOC issued to another bank under ERF scheme

(g) (i) IERS Part - I where pre-shipement is obtained from MCB and

(i) NOC issuance charges against "E" Forms (to be utilized through any other bank

Charges are subject to the negotiation with client on case to case basis depending on cost & benefit analysis after obtaining appproval from(Group) Head/Business Head & ratification by the IB Fincon

6 Charges for registration of contract for Export of Raw Cotton with Upto Rs.1,200/- per transaction. 3060402010State Bank of Pakistan and subsequent handling of shippingdocuments for return of Bank Gurantee from State Bank of Pakistan.

7 Issuance of Business Performance/ W.H.Tax certificate Upto Rs.1,000/- 3060402010(at customer's request)

6 Upto Rs. 150 M Upto 0.15 per hundred 3060402010Above Rs. 150 M Upto 0.13 per hundred

Minimum Charges Upto Rs.1,500/-

Note:All trade finance/guarantee related items can be relaxed/waived by the GH-IBG subject to sign off by Head TPD and subject to FED. Over and above charges will be included in Charity

Service charges against export documents sent on collection basis where payment cover is already received in our Nostro Account.

- 9 -




C REMITTANCES

1) Outward Remittances : Service Charges:(a) Money transfer under general permission or specific approval (i) Minimum US$ 5/- per item upto Value of Rs.10,000/- or its equivalent. 3030401010 of SBP or from foreign currency accounts. (ii) 0.01% (Flat) per item for value of over Rs.10,000/- or its equivalent.

Minimum Charges US$ 8/-

(b) Inquiries regarding non receipt of funds where bank acted Rs.300/- each plus applicable swift charges 3060601030 correctly.

(c) Communication charges for back to back transactions US$30/- per transaction or its equivalant. 3060602030

(d) Inward collection relating to Foreign Currency Accounts US$ 3/- for collection upto US$ 1,000/- , 0.1% for collection above US $ 1,000/- 3060601030(d) Inward collection relating to Foreign Currency Accounts US$ 3/- for collection upto US$ 1,000/- , 0.1% for collection above US $ 1,000/- 3060601030 received from abroad or local banks or our own branches with foreign currency payment involved.

Minimum Charges US $ 3/-Maximum Charges US $ 6/-

(c) Surrender of Foreign Currency Notes for deposits into foreign Following charges are not applicable on FCY surrendered in lieu of export 3060601030 currency account proceed under the approval of SBP. These charges will be applicable only in

case of remittance is effected within 10 days of cash deposits.

Charges (USD)From To

Amount Range (USD)From To

1 500 1 501 1,000 3

1,001 1,500 4 1,501 2,000 5 2,001 2,500 6 2,501 3,000 8 3,001 3,500 9 3,501 4,000 10 4,001 4,500 11 4,501 5,000 13 5,001 5,500 14 5,501 6,000 15 6,001 6,500 16 6,001 6,500 16 6,501 7,000 18 7,001 7,500 19 7,501 8,000 20 8,001 8,500 21 8,501 9,000 23 9,001 9,500 24 9,501 10,000 25

10,001 11,000 55 11,001 12,000 60 12,001 13,000 65 13,001 14,000 70 14,001 15,000 75 15,001 16,000 80 15,001 16,000 80 16,001 17,000 85 17,001 18,000 90 18,001 19,000 95 19,001 20,000 100 20,001 21,000 105 21,001 22,000 110 22,001 23,000 115 23,001 24,000 120 24,001 25,000 125 25,001 26,000 130 26,001 27,000 135 27,001 28,000 140 27,001 28,000 140 28,001 29,000 145 29,001 30,000 150 30,001 31,000 155 31,001 32,000 160 32,001 33,000 165 33,001 34,000 170 34,001 35,000 175 35,001 36,000 180 36,001 37,000 185 37,001 38,000 190 38,001 39,000 195 39,001 40,000 200 40,001 41,000 205 40,001 41,000 205 41,001 42,000 210 42,001 43,000 215 43,001 44,000 220 44,001 45,000 225 45,001 46,000 230 46,001 47,000 235 47,001 48,000 240 48,001 49,000 245 49,001 50,000 250 50,001 51,000 255 51,001 52,000 260 52,001 53,000 265

- 10 -



S. # GL CodesITEM RATES 53,001 54,000 270 54,001 55,000 275 55,001 56,000 280 56,001 57,000 285 57,001 58,000 290 58,001 59,000 295 58,001 59,000 295 59,001 60,000 300 60,001 61,000 305 61,001 62,000 310 62,001 63,000 315 63,001 64,000 320 64,001 65,000 325 65,001 66,000 330 66,001 67,000 335 67,001 68,000 340 68,001 69,000 345 69,001 70,000 350 70,001 71,000 355 71,001 72,000 360 71,001 72,000 360 72,001 73,000 365 73,001 74,000 370 74,001 75,000 375 75,001 76,000 380 76,001 77,000 385 77,001 78,000 390 78,001 79,000 395 79,001 80,000 400 80,001 81,000 405 81,001 82,000 410 82,001 83,000 415 83,001 84,000 420 83,001 84,000 420 84,001 85,000 425 85,001 86,000 430 86,001 87,000 435 87,001 88,000 440 88,001 89,000 445 89,001 90,000 450 90,001 91,000 455 91,001 92,000 460 92,001 93,000 465 93,001 94,000 470 94,001 95,000 475 95,001 96,000 480 96,001 97,000 485 96,001 97,000 485 97,001 98,000 490 98,001 99,000 495 99,001 100,000 500

100,001 101,000 505 101,001 102,000 510 102,001 103,000 515 103,001 104,000 520 104,001 105,000 525 105,001 106,000 530 106,001 107,000 535 107,001 108,000 540 108,001 109,000 545 109,001 110,000 550 109,001 110,000 550 110,001 111,000 555 111,001 112,000 560 112,001 113,000 565 113,001 114,000 570 114,001 115,000 575 115,001 116,000 580 116,001 117,000 585 117,001 118,000 590 118,001 119,000 595 119,001 120,000 600 120,001 121,000 605 121,001 122,000 610 122,001 123,000 615 122,001 123,000 615 123,001 124,000 620 124,001 125,000 625 125,001 126,000 630 126,001 127,000 635 127,001 128,000 640 128,001 129,000 645 129,001 130,000 650 130,001 131,000 655 131,001 132,000 660 132,001 133,000 665 133,001 134,000 670 134,001 135,000 675 134,001 135,000 675 135,001 136,000 680 136,001 137,000 685 137,001 138,000 690 138,001 139,000 695 139,001 140,000 700 140,001 141,000 705 141,001 142,000 710 142,001 143,000 715 143,001 144,000 720 144,001 145,000 725 145,001 146,000 730 146,001 147,000 735

- 11 -



S. # GL CodesITEM RATES 147,001 148,000 740 148,001 149,000 745 149,001 150,000 750

See note below

(d) Sale of Traveler Cheques expressed in foreign currency. 1% of the amount of T.C. Sold. 3030401010

Over 150,000

(d) Sale of Traveler Cheques expressed in foreign currency. 1% of the amount of T.C. Sold. 3030401010

Minimum Rs.200/-(see note below)

Note :a) In addition to above, Service charges/recovery of courier/postage/telex/fax/cable charges will also be made according to prescribed tariff(wherever applicable).b) Charges are subject to the negotiation with client on case to case basis depending on cost & benefit analysis after obtaining appproval from(Group) Head/Business Head & ratification by the IB Fincon

2) Inward Remittances :

(a) Inward Foreign Draft, Foreign Mail, Transfer where payment Service charges 3030401010made to beneficiary, after payment cover is received in our @ 0.15% - Minimum Rs.400/-Nostro Accounts (other than Home Remittances).

(b) Inward cheques expressed in foreign currency drawn on Service charges 3030401010foreign currency A/cs received from local / up-country bank's @ 0.15% - Minimum Rs.400/-branches for payment in Pak Rupees after conversion at authorized dealers buying TT clean rates

ChargesFrom To

Amount RangeFrom To

1 500,000 750 500,001 1,000,000 1,500

1,000,001 1,500,000 2,250 1,500,001 2,000,000 3,000 2,000,001 2,500,000 3,750 2,500,001 3,000,000 4,500 3,000,001 3,500,000 5,250 3,500,001 4,000,000 6,000 4,000,001 4,500,000 6,750 4,500,001 5,000,000 7,500 5,000,001 5,500,000 8,250 5,500,001 6,000,000 9,000 6,000,001 6,500,000 9,750 6,000,001 6,500,000 9,750 6,500,001 7,000,000 10,500 7,000,001 7,500,000 11,250 7,500,001 8,000,000 12,000 8,000,001 8,500,000 12,750 8,500,001 9,000,000 13,500 9,000,001 9,500,000 14,250 9,500,001 10,000,000 15,000

10,000,001 11,000,000 16,500 11,000,001 12,000,000 18,000 12,000,001 13,000,000 19,500 13,000,001 14,000,000 21,000 14,000,001 15,000,000 22,500 14,000,001 15,000,000 22,500 15,000,001 16,000,000 24,000 16,000,001 17,000,000 25,500 17,000,001 18,000,000 27,000 18,000,001 19,000,000 28,500 19,000,001 20,000,000 30,000 20,000,001 21,000,000 31,500 21,000,001 22,000,000 33,000 22,000,001 23,000,000 34,500 23,000,001 24,000,000 36,000 24,000,001 25,000,000 37,500 25,000,001 26,000,000 39,000 26,000,001 27,000,000 40,500 27,000,001 28,000,000 42,000 27,000,001 28,000,000 42,000 28,000,001 29,000,000 43,500 29,000,001 30,000,000 45,000 30,000,001 31,000,000 46,500 31,000,001 32,000,000 48,000 32,000,001 33,000,000 49,500 33,000,001 34,000,000 51,000 34,000,001 35,000,000 52,500 35,000,001 36,000,000 54,000 36,000,001 37,000,000 55,500 37,000,001 38,000,000 57,000 38,000,001 39,000,000 58,500 39,000,001 40,000,000 60,000 40,000,001 41,000,000 61,500 40,000,001 41,000,000 61,500 41,000,001 42,000,000 63,000 42,000,001 43,000,000 64,500 43,000,001 44,000,000 66,000 44,000,001 45,000,000 67,500 45,000,001 46,000,000 69,000 46,000,001 47,000,000 70,500 47,000,001 48,000,000 72,000 48,000,001 49,000,000 73,500 49,000,001 50,000,000 75,000 50,000,001 51,000,000 76,500 51,000,001 52,000,000 78,000

- 12 -



S. # GL CodesITEM RATES 52,000,001 53,000,000 79,500 53,000,001 54,000,000 81,000 54,000,001 55,000,000 82,500 55,000,001 56,000,000 84,000 56,000,001 57,000,000 85,500 57,000,001 58,000,000 87,000 57,000,001 58,000,000 87,000 58,000,001 59,000,000 88,500 59,000,001 60,000,000 90,000 60,000,001 61,000,000 91,500 61,000,001 62,000,000 93,000 62,000,001 63,000,000 94,500 63,000,001 64,000,000 96,000 64,000,001 65,000,000 97,500 65,000,001 66,000,000 99,000 66,000,001 67,000,000 100,500 67,000,001 68,000,000 102,000 68,000,001 69,000,000 103,500 69,000,001 70,000,000 105,000 70,000,001 71,000,000 106,500 70,000,001 71,000,000 106,500 71,000,001 72,000,000 108,000 72,000,001 73,000,000 109,500 73,000,001 74,000,000 111,000 74,000,001 75,000,000 112,500 75,000,001 76,000,000 114,000 76,000,001 77,000,000 115,500 77,000,001 78,000,000 117,000 78,000,001 79,000,000 118,500 79,000,001 80,000,000 120,000 80,000,001 81,000,000 121,500 81,000,001 82,000,000 123,000 82,000,001 83,000,000 124,500 82,000,001 83,000,000 124,500 83,000,001 84,000,000 126,000 84,000,001 85,000,000 127,500 85,000,001 86,000,000 129,000 86,000,001 87,000,000 130,500 87,000,001 88,000,000 132,000 88,000,001 89,000,000 133,500 89,000,001 90,000,000 135,000 90,000,001 91,000,000 136,500 91,000,001 92,000,000 138,000 92,000,001 93,000,000 139,500 93,000,001 94,000,000 141,000 94,000,001 95,000,000 142,500 95,000,001 96,000,000 144,000 95,000,001 96,000,000 144,000 96,000,001 97,000,000 145,500 97,000,001 98,000,000 147,000 98,000,001 99,000,000 148,500 99,000,001 100,000,000 150,000

100,000,001 101,000,000 151,500 101,000,001 102,000,000 153,000 102,000,001 103,000,000 154,500 103,000,001 104,000,000 156,000 104,000,001 105,000,000 157,500 105,000,001 106,000,000 159,000 106,000,001 107,000,000 160,500 107,000,001 108,000,000 162,000 108,000,001 109,000,000 163,500 108,000,001 109,000,000 163,500 109,000,001 110,000,000 165,000 110,000,001 111,000,000 166,500 111,000,001 112,000,000 168,000 112,000,001 113,000,000 169,500 113,000,001 114,000,000 171,000 114,000,001 115,000,000 172,500 115,000,001 116,000,000 174,000 116,000,001 117,000,000 175,500 117,000,001 118,000,000 177,000 118,000,001 119,000,000 178,500 119,000,001 120,000,000 180,000 120,000,001 121,000,000 181,500 121,000,001 122,000,000 183,000 121,000,001 122,000,000 183,000 122,000,001 123,000,000 184,500 123,000,001 124,000,000 186,000 124,000,001 125,000,000 187,500 125,000,001 126,000,000 189,000 126,000,001 127,000,000 190,500 127,000,001 128,000,000 192,000 128,000,001 129,000,000 193,500 129,000,001 130,000,000 195,000 130,000,001 131,000,000 196,500 131,000,001 132,000,000 198,000 132,000,001 133,000,000 199,500 133,000,001 134,000,000 201,000 133,000,001 134,000,000 201,000 134,000,001 135,000,000 202,500 135,000,001 136,000,000 204,000 136,000,001 137,000,000 205,500 137,000,001 138,000,000 207,000 138,000,001 139,000,000 208,500 139,000,001 140,000,000 210,000 140,000,001 141,000,000 211,500 141,000,001 142,000,000 213,000 142,000,001 143,000,000 214,500 143,000,001 144,000,000 216,000 144,000,001 145,000,000 217,500 145,000,001 146,000,000 219,000

- 13 -



S. # GL CodesITEM RATES 146,000,001 147,000,000 220,500 147,000,001 148,000,000 222,000 148,000,001 149,000,000 223,500 149,000,001 150,000,000 225,000

See note belowOver 150,000,000

Note :a) In addition to above, Service charges/recovery of courier/postage/telex/fax/cable charges will also be made according to prescribed tariff(wherever applicable).b) Charges are subject to the negotiation with client on case to case basis depending on cost & benefit analysis after obtaining appproval from(Group) Head/Business Head & ratification by the IB Fincon

- 14 -




D MISCELLANEOUS

1) Correspondent's charges At actual. 3060601010

2) Tariff Charges : (Postage / Swift / Fax / telephone & courier At actual subject to Minimum as under :

(a) Postage (Ordinary) 3060602030 Local (within city) Local Rs.25/- Inland (Intercity) Inland Rs.40/- Foreign At actual, Minimum Rs.100/-

(b) Postage (Registered) 3060602030 Local (within city) Local Rs.30/- Inland (Intercity) Inland Rs.50/- Foreign At actual, Minimum Rs.100/-

(c) Telegram Local/Inland Upto Rs.50/-

(d) SWIFT LG/ Gurantee Message, Issuance/Ammendmend for others (i) Single page Upto Rs.800/- or Actual whichever is higher. 3060602040 (ii) More than one page. Upto Rs.2,000/- or Actual whichever is higher. for trade trans.

3060602120

(e) Fax/Telephone(e) Fax/Telephone

(i) Domestic Local : Rs.20/- upto Rs.100 Inland per communication. 3060602050

(ii) Foreign : a) Single page Upto Rs.800/- or Actual whichever is higher. a) More than one page Upto Rs.2,000/- or Actual whichever is higher.

(f) Courier. Upto Rs.1,500/- or at Actual (for every 0.5 kg of weight) whichevere is higher for othersplus taxes wherever applicable. 3060602030

for trade trans.3060602105

(g) Charges to be claimed from remitting bank against inward US$ 30/- or its equivalent per message (MT 103) 3060601030(g) Charges to be claimed from remitting bank against inward US$ 30/- or its equivalent per message (MT 103) 3060601030remittances if mentioned 'OUR'

3) Standing Instructions charges In Foreign Currency Account. US$ 6/- per instruction 3060601030

4) 3030401110Credit Information Report including credit report on foreign Suppliers/ buyers with prior intimation to the customers.

a) At actual as charged by the Foreign Bank / Agent /Credit Reporting Agency Which Provides the report

b) No Charges if report is provided to Scheduled Bank /DFI in Pakistan for bank’s own customer, US $ 50 where report is provided to a bank outside pakistan

5) Cancellation

a) DD / TT cancellation charges for Foreign Currency Account. Rs.500/- per item Plus applicable SWIFT/postage charges 3060601030Should not be charged from Pakistan Remittance Initiative (PRI) related foreign exchanged arrangement as per SBP instructions.

b) Under general permission or specific approval of SBP Rs.350/- 3060601030

(c) Cancellation of Inward Swift Messages US$ 30/- per case Plus applicable SWIFT/postage charges 3060601030Should not be charged from Pakistan Remittance Initiative (PRI)

c) Postage/Courier/Fax/Swift charges to be recovered to the prescribed Taffir

Should not be charged from Pakistan Remittance Initiative (PRI) related foreign exchanged arrangement as per SBP instructions.

6) Issuance of duplicate FDD. Rs.500/- plus applicable swift+D1036/postage/correspondent charges. 3060601130

7) Issuance of Business performance certificate at customer's Rs.1,000/- 3060402010request.

8) Purchase of Traveller Cheques/Drafts etc. Rs.500/- (Flat) 3030401010

9) Collection for Foreign Currency Accounts. 0.15% Minimum US $ 10 whichever is higher along with applicable 3060601030courier chargescourier charges

11) Local US $ collection & settlement :

a ) For Collection of instrument Up to Rs.300/- plus courier /Fax/Telephone charges at actual. 3040401110This includes Rs.100/- payable to NIFT for its services

b ) For instrument return unpaid. Up to Rs.450/- plus courier /Fax/Telephone charges at actual. 3040401110

12 For any query requested by customer beyond 2 years relating to Upto Rs.1,000/-trade transactions.

- 15 -




DOMESTIC BANKING

A

1 Bankers Instrument (s)

(A) Issuance of Drafts, MT, FAX-PRESS and TT:

(a) Upto Rs.100,000/- Rs.150/- for A/c Holder (Through transfer of cheque) 3030401010Rs.225/- for Non A/c Holder

REMITTANCES

Rs.225/- for Non A/c Holder

(b) Over Rs.100,000/- 0.1% for Account Holder ( Min Charges Rs.200/-) 0.2% for Non-Account Holder (Min Charges Rs.300/-)

(c) Issuance of Duplicate Draft: Rs.200/- for Account Holders 3060601130Rs.500/- for Non-Account Holders(see note below)

(B) Issuance of Pay Order. Rs.150/- for Account Holders 3030401010If account holder request for issuance of payorder through cash that should be treated as non account holder and the charges as per non account holder should be recovered.

0.2% for Non-Account Holder (Min Charges Rs.300/-)

a) Issuance of Duplicate Pay Order Rs.150/- for Account Holders. 3060601130Rs.500/- for Non-Account Holders.

(D) Cancellation of DD/Pay Order/Call Receipt Rs.200/- for Account Holders 3060601130Rs.300/- for Non-Account Holders in cash

(H) Duplicate advice requested by the customer Rs.250/- per advice (if more than 6 months old)

(I) Issuance of SBP/NBP cheque on client's account. Rs.500/- each. 3060601030

Note:a) Recovery of Remittance charges from Banks, DFIs & utility companies subject to arrangements.b) Company a/cs having average credit balance of Rs.5.00 M and above in their Ianat/current account may be allowed TWICE A MONTH free remittance equal to their average credit balance for last 6 months from the date of transaction.c) The charges from students for making DD/PO any other related instrument for payment of fee/dues in favour of education institution, HEC/Boardetc may not exceed 0.50% of fee/dues or Rs.25/- per instrument whichever is less.(d) Remittance charges subject to negotiation with client having annual Import/Export/Remittance business of over Rs.200 M, Transaction Bnaking Business above 500 M after obtaining approval from Grroup Head/Business Heads. Charges shall also berecovered from customers having average financing utilization of RS. 50 M & above during a calendar year.recovered from customers having average financing utilization of RS. 50 M & above during a calendar year.e) Charges shall be recovered from cutomer having trade business of Rs.20M & above during a calender year or having average advances utilization of Rs.50M and above during a calender year.

2 Cross Branch Transaction: 3030401150

A For Islamic Banking Account Holders

(a) For Islamic & Other than Islamic Branches

(In Online Branches through A/c to A/c, debit/credit through cash cheques)Within CityDeposits Free Withdrawals Free Fund Transfer Free

Intercity Deposits-Cash Free Deposits-Cheque Free Deposits-Cheque Free Withdrawals Free Funds Transfer Free

B For Other than Islamic Banking Account Holders

(a) For Islamic & Other than Islamic Branches

(In Online Branches through A/c to A/c, debit/credit through cash cheques)Within City

- 16 -



S. # GL CodesITEM RATES Deposits Free Withdrawals Free Fund Transfer Free

Intercity Deposits-Cash Rs.150/- per transaction.Deposits-Cash Rs.150/- per transaction.Deposits-Cheque Rs.150/- per transaction.Withdrawals Rs.150/- per transaction.Funds Transfer Rs.150/- per transaction.

Note :-a) Withholding Tax to be deducted whereever applicable.b) Charges for accounts having special arrangement for online electronic salary/other transfers through TransactionBanking Division "the minimum balance requirement of Rs.0.100M" may be waived after obtaining approval from Group Head .c) For IBB branches approval of reduction/waiver to be obtained from GH-IBG on case to case basis.d ) Student should be allowed free of cost online deposit in collection of educational institution for payment of fee and no service feed ) Student should be allowed free of cost online deposit in collection of educational institution for payment of fee and no service feeon depositing fee directly in fee collection account of educational institutee) Remittance charges will be recovered at the above rates, even where collections made by branches are remitted to other locations, notwithstanding the purpose, whether for centralization or otherwise. In case of cash deposit, charges to be decided on case to case basis as per arrangement under approval of Group Head.(f) Cross Branch transaction charges negotiable on case to case basis under approval of GH/BH-IBG.

3 Fax charges on TT Rs.100/- Flat

4 Postage charges on MT Actual - Minimum Rs. 50/- if sent byRegistered post locally, Rs.75/- if sent byRegistered post inland on party's request.Registered post inland on party's request.

5 Courier charges (where advices are Local / Inland Rs.75/-, Rs.100/- for more than 2 DD/TT/MT drawn on despatched through courier on request same branch by the same customer 'at the same 'time.(See note below)of the customer)

Note:Courier charges may be exempted from those account holders who maintain a minimum balance of Rs.1.0M in their Ianat (current) A/c OR under Special arrangement.

6

Remittance charges for transfer of funds Volume of annual Remittance business.to Main Collection Account through Upto Rs.100 Million 0.15% Minimum Rs.20/-Mail Transfer for clients depositing Above Rs.100 Million 0.10%, Minimum Rs.60/-cheques/DD/PO only. plus courier charges at actual.

(See note below)Note :Remittance charges will be recovered at the above rates, even where collections made by branches are remitted to other locations, notwithstanding the purpose, whether for centralization or otherwise. In case of cash deposit, charges to be decided on case to case basis as per arrangement under approval of Regional Head/General Manager.

Network Express Collection Account for clients depositing cheques/DD/PO only:

7 Cash Management All charges for cash management products (collection & disbursement) will be decided on a case-to-case basis through agreement between the customers and the bank.

- 17 -




B IMPORTS

1 Charges to be recovered as under: 3030401090 Minimum Rs. 1,500/-

Per QuarterFrom To or part thereof

1 500,000 2,250 2,000 500,001 800,000 3,600 3,200 800,001 1,000,000 4,500 4,000

1,000,001 1,500,000 6,750 6,000 1,500,001 2,000,000 9,000 8,000 2,000,001 2,500,000 11,250 10,000 2,500,001 3,000,000 13,500 12,000 3,000,001 3,500,000 15,750 14,000

Subsequent Quarters

a) Inland Letter of credit (opening charges)

Amount Range

3,000,001 3,500,000 15,750 14,000 3,500,001 4,000,000 18,000 16,000 4,000,001 4,500,000 20,250 18,000 4,500,001 5,000,000 22,500 20,000 5,000,001 5,500,000 24,750 22,000 5,500,001 6,000,000 27,000 24,000 6,000,001 6,500,000 29,250 26,000 6,500,001 7,000,000 31,500 28,000 7,000,001 7,500,000 33,750 30,000 7,500,001 8,000,000 36,000 32,000 8,000,001 8,500,000 38,250 34,000 8,500,001 9,000,000 40,500 36,000 9,000,001 9,500,000 42,750 38,000 9,000,001 9,500,000 42,750 38,000 9,500,001 10,000,000 45,000 40,000

10,000,001 11,000,000 49,500 44,000 11,000,001 12,000,000 54,000 48,000 12,000,001 13,000,000 58,500 52,000 13,000,001 14,000,000 63,000 56,000 14,000,001 15,000,000 67,500 60,000 15,000,001 16,000,000 72,000 64,000 16,000,001 17,000,000 76,500 68,000 17,000,001 18,000,000 81,000 72,000 18,000,001 19,000,000 85,500 76,000 19,000,001 20,000,000 90,000 80,000 20,000,001 21,000,000 94,500 84,000 20,000,001 21,000,000 94,500 21,000,001 22,000,000 99,000 88,000 22,000,001 23,000,000 103,500 92,000 23,000,001 24,000,000 108,000 96,000 24,000,001 25,000,000 112,500 100,000 25,000,001 26,000,000 117,000 104,000 26,000,001 27,000,000 121,500 108,000 27,000,001 28,000,000 126,000 112,000 28,000,001 29,000,000 130,500 116,000 29,000,001 30,000,000 135,000 120,000 30,000,001 31,000,000 139,500 124,000 31,000,001 32,000,000 144,000 128,000 32,000,001 33,000,000 148,500 132,000 33,000,001 34,000,000 153,000 136,000 33,000,001 34,000,000 153,000 136,000 34,000,001 35,000,000 157,500 140,000 35,000,001 36,000,000 162,000 144,000 36,000,001 37,000,000 166,500 148,000 37,000,001 38,000,000 171,000 152,000 38,000,001 39,000,000 175,500 156,000 39,000,001 40,000,000 180,000 160,000 40,000,001 41,000,000 184,500 164,000 41,000,001 42,000,000 189,000 168,000 42,000,001 43,000,000 193,500 172,000 43,000,001 44,000,000 198,000 176,000 44,000,001 45,000,000 202,500 180,000 45,000,001 46,000,000 207,000 184,000 45,000,001 46,000,000 207,000 184,000 46,000,001 47,000,000 211,500 188,000 47,000,001 48,000,000 216,000 192,000 48,000,001 49,000,000 220,500 196,000 49,000,001 50,000,000 225,000 200,000 50,000,001 51,000,000 204,000 178,500 51,000,001 52,000,000 208,000 182,000 52,000,001 53,000,000 212,000 185,500 53,000,001 54,000,000 216,000 189,000 54,000,001 55,000,000 220,000 192,500 55,000,001 56,000,000 224,000 196,000 56,000,001 57,000,000 228,000 199,500 57,000,001 58,000,000 232,000 203,000 57,000,001 58,000,000 232,000 203,000 58,000,001 59,000,000 236,000 206,500 59,000,001 60,000,000 240,000 210,000 60,000,001 61,000,000 244,000 213,500 61,000,001 62,000,000 248,000 217,000 62,000,001 63,000,000 252,000 220,500 63,000,001 64,000,000 256,000 224,000 64,000,001 65,000,000 260,000 227,500 65,000,001 66,000,000 264,000 231,000 66,000,001 67,000,000 268,000 234,500 67,000,001 68,000,000 272,000 238,000 68,000,001 69,000,000 276,000 241,500

- 18 -



S. # GL CodesITEM RATES 69,000,001 70,000,000 280,000 245,000 70,000,001 71,000,000 284,000 248,500 71,000,001 72,000,000 288,000 252,000 72,000,001 73,000,000 292,000 255,500 73,000,001 74,000,000 296,000 259,000 74,000,001 75,000,000 300,000 262,500 74,000,001 75,000,000 300,000 262,500 75,000,001 76,000,000 266,000 228,000 76,000,001 77,000,000 269,500 231,000 77,000,001 78,000,000 273,000 234,000 78,000,001 79,000,000 276,500 237,000 79,000,001 80,000,000 280,000 240,000 80,000,001 81,000,000 283,500 243,000 81,000,001 82,000,000 287,000 246,000 82,000,001 83,000,000 290,500 249,000 83,000,001 84,000,000 294,000 252,000 84,000,001 85,000,000 297,500 255,000 85,000,001 86,000,000 301,000 258,000 86,000,001 87,000,000 304,500 261,000 86,000,001 87,000,000 304,500 261,000 87,000,001 88,000,000 308,000 264,000 88,000,001 89,000,000 311,500 267,000 89,000,001 90,000,000 315,000 270,000 90,000,001 91,000,000 318,500 273,000 91,000,001 92,000,000 322,000 276,000 92,000,001 93,000,000 325,500 279,000 93,000,001 94,000,000 329,000 282,000 94,000,001 95,000,000 332,500 285,000 95,000,001 96,000,000 336,000 288,000 96,000,001 97,000,000 339,500 291,000 97,000,001 98,000,000 343,000 294,000 98,000,001 99,000,000 346,500 297,000 98,000,001 99,000,000 346,500 297,000 99,000,001 100,000,000 350,000 300,000

100,000,001 101,000,000 303,000 252,500 101,000,001 102,000,000 306,000 255,000 102,000,001 103,000,000 309,000 257,500 103,000,001 104,000,000 312,000 260,000 104,000,001 105,000,000 315,000 262,500 105,000,001 106,000,000 318,000 265,000 106,000,001 107,000,000 321,000 267,500 107,000,001 108,000,000 324,000 270,000 108,000,001 109,000,000 327,000 272,500 109,000,001 110,000,000 330,000 275,000 110,000,001 111,000,000 333,000 277,500 110,000,001 111,000,000 333,000 277,500 111,000,001 112,000,000 336,000 280,000 112,000,001 113,000,000 339,000 282,500 113,000,001 114,000,000 342,000 285,000 114,000,001 115,000,000 345,000 287,500 115,000,001 116,000,000 348,000 290,000 116,000,001 117,000,000 351,000 292,500 117,000,001 118,000,000 354,000 295,000 118,000,001 119,000,000 357,000 297,500 119,000,001 120,000,000 360,000 300,000 120,000,001 121,000,000 363,000 302,500 121,000,001 122,000,000 366,000 305,000 122,000,001 123,000,000 369,000 307,500 122,000,001 123,000,000 369,000 307,500 123,000,001 124,000,000 372,000 310,000 124,000,001 125,000,000 375,000 312,500 125,000,001 126,000,000 378,000 315,000 126,000,001 127,000,000 381,000 317,500 127,000,001 128,000,000 384,000 320,000 128,000,001 129,000,000 387,000 322,500 129,000,001 130,000,000 390,000 325,000 130,000,001 131,000,000 393,000 327,500 131,000,001 132,000,000 396,000 330,000 132,000,001 133,000,000 399,000 332,500 133,000,001 134,000,000 402,000 335,000 134,000,001 135,000,000 405,000 337,500 134,000,001 135,000,000 405,000 337,500 135,000,001 136,000,000 408,000 340,000 136,000,001 137,000,000 411,000 342,500 137,000,001 138,000,000 414,000 345,000 138,000,001 139,000,000 417,000 347,500 139,000,001 140,000,000 420,000 350,000 140,000,001 141,000,000 423,000 352,500 141,000,001 142,000,000 426,000 355,000 142,000,001 143,000,000 429,000 357,500 143,000,001 144,000,000 432,000 360,000 144,000,001 145,000,000 435,000 362,500 145,000,001 146,000,000 438,000 365,000 146,000,001 147,000,000 441,000 367,500 146,000,001 147,000,000 441,000 147,000,001 148,000,000 444,000 370,000 148,000,001 149,000,000 447,000 372,500 149,000,001 150,000,000 450,000 375,000

b) Service charges on all import bills presented in availment Upto 0.15% 3060401010of our LCs

Upto Rs.1,500/-Upto Rs.1,500/- 3060401010

Note:Charges negotiable on case to case basis under approval of (Group) Head/Business Heads.

Over Rs. 150 Million

Minimum chargesc) Discrepent documents handling charges(from applicant or beneficiary in accordance with LC terms.)

See note at the end of the section

- 19 -




2 Handling service charges on Inland Import Collection Bills Rs.1,000/- (flat) per collection.at Opening to be recovered under Murabahah Price

3 Amendment charges: LC3 Amendment charges: LC Upto Rs.1,200/- 3040401090

of L/C contract. Plus applicable SWIFT/Postage/Courier etc.charges Contract3030401630

b) Involving increase in amount and/or extension in expiry Upto Rs.1,200/- per transaction plus Chargesperiod of LC contract

4 Advising/Amendment/confirmation/ cancellation charges of Same as under Export-International(inward) inland L/Cs. (See note below)

Note:

a) Without increase in amount or extension in expiry period

Note:

2 TRANSACTION BANKING DIVISION

a) Collection 3030401130 b) Disbursement c) Remittances

All charges for Transaction Banking products (collection, disbursements & remittances) will be decided on a case-to-case basis through agreement between the customer and the bank. All these charges should be recovered by TBD on monthly basis & Branches are not authorized to recover any charges from remitter.

Charges Negotiable on case to case basis under approval of (Group) Head/ Business Head.

d) Dealer Finance Processing Fee Fresh = 0.5% 3030101150Renewal = Rs 5,000/-

Minimumm Charges Rs.7,500/-

e) Home Remittances No Charges recovered on Home Remittances routed underSBP Home Remittance Rebate Scheme.

Note: All these charges will be recovered by TBD on monthly basis and branches are not authorised to recover any charges.

- 20 -




CEXPORTS

1 3030401200


2Profit to be charged on case to case basis. 3030401200

Minimum charges Rs.1000/-

3 Documentary bills drawn against inland

(a) Documentary Bills on collections basis

Documentory bills other than those drawn against letter of credit

Service charges upto 0.40% plus applicable courier charges

Musharakah Export Financing - Foreign

3 Documentary bills drawn against inlandletters of credit:

1 Sight Bills :(a) Service Charges on negotiation of bills 3030401200

Minimum Rs.1,000/-

From To1 500,000 2,500

500,001 800,000 4,000 800,001 1,000,000 5,000

1,000,001 1,500,000 7,500 1,500,001 2,000,000 10,000 2,000,001 2,500,000 12,500

Amount Range Service Charges (Rs)

2,000,001 2,500,000 12,500 2,500,001 3,000,000 15,000 3,000,001 3,500,000 17,500 3,500,001 4,000,000 20,000 4,000,001 4,500,000 22,500 4,500,001 5,000,000 25,000 5,000,001 5,500,000 27,500 5,500,001 6,000,000 30,000 6,000,001 6,500,000 32,500 6,500,001 7,000,000 35,000 7,000,001 7,500,000 37,500 7,500,001 8,000,000 40,000 8,000,001 8,500,000 42,500 8,000,001 8,500,000 42,500 8,500,001 9,000,000 45,000 9,000,001 9,500,000 47,500 9,500,001 10,000,000 50,000

10,000,001 11,000,000 55,000 11,000,001 12,000,000 60,000 12,000,001 13,000,000 65,000 13,000,001 14,000,000 70,000 14,000,001 15,000,000 75,000 15,000,001 16,000,000 80,000 16,000,001 17,000,000 85,000 17,000,001 18,000,000 90,000 18,000,001 19,000,000 95,000 18,000,001 19,000,000 95,000 19,000,001 20,000,000 100,000 20,000,001 21,000,000 105,000 21,000,001 22,000,000 110,000 22,000,001 23,000,000 115,000 23,000,001 24,000,000 120,000 24,000,001 25,000,000 125,000 25,000,001 26,000,000 130,000 26,000,001 27,000,000 135,000 27,000,001 28,000,000 140,000 28,000,001 29,000,000 145,000 29,000,001 30,000,000 150,000 30,000,001 31,000,000 155,000 30,000,001 31,000,000 155,000 31,000,001 32,000,000 160,000 32,000,001 33,000,000 165,000 33,000,001 34,000,000 170,000 34,000,001 35,000,000 175,000 35,000,001 36,000,000 180,000 36,000,001 37,000,000 185,000 37,000,001 38,000,000 190,000 38,000,001 39,000,000 195,000 39,000,001 40,000,000 200,000 40,000,001 41,000,000 205,000 41,000,001 42,000,000 210,000 42,000,001 43,000,000 215,000 42,000,001 43,000,000 215,000 43,000,001 44,000,000 220,000 44,000,001 45,000,000 225,000 45,000,001 46,000,000 230,000 46,000,001 47,000,000 235,000 47,000,001 48,000,000 240,000 48,000,001 49,000,000 245,000 49,000,001 50,000,000 250,000 50,000,001 51,000,000 204,000 51,000,001 52,000,000 208,000 52,000,001 53,000,000 212,000 53,000,001 54,000,000 216,000

- 21 -



S. # GL CodesITEM RATES 54,000,001 55,000,000 220,000 55,000,001 56,000,000 224,000 56,000,001 57,000,000 228,000 57,000,001 58,000,000 232,000 58,000,001 59,000,000 236,000 59,000,001 60,000,000 240,000 59,000,001 60,000,000 240,000 60,000,001 61,000,000 244,000 61,000,001 62,000,000 248,000 62,000,001 63,000,000 252,000 63,000,001 64,000,000 256,000 64,000,001 65,000,000 260,000 65,000,001 66,000,000 264,000 66,000,001 67,000,000 268,000 67,000,001 68,000,000 272,000 68,000,001 69,000,000 276,000 69,000,001 70,000,000 280,000 70,000,001 71,000,000 284,000 71,000,001 72,000,000 288,000 71,000,001 72,000,000 288,000 72,000,001 73,000,000 292,000 73,000,001 74,000,000 296,000 74,000,001 75,000,000 300,000

See note below

Note:

(b) Collection charges for restricted L/C '(Where negotiation Forwarding Bank/Branch would charge handling charges of Rs. 1,000/- 3030401200is restricted to some other bank and presented to us forforwarding).

Over Rs. 75 Million

Negotiable by Branch Manager/ Relationship Manager with the approval of (Group) Head/ Business Heads upto business commitment over Rs.75M

forwarding).

2 Usance Bills:At opening end:(a) Handling charges 3030401200

(b) If bill matures after expiry of L/C 3030401200Following Service Charges shall be applicable on realization for the period beyond validity of L/C. Minimum Rs.500/-

From To1 500,000 750

Upto 0.25% Min Rs. 600/- per bill-Max Rs. 1,200/- per bill at the time of retirement of bill

Service Charges Upto (Rs)

Usual charges as at (a) above,i.e. Rs.500/-per bill along with acceptance charges

Amount Range

1 500,000 750 500,001 800,000 1,200 800,001 1,000,000 1,500

1,000,001 1,500,000 2,250 1,500,001 2,000,000 3,000 2,000,001 2,500,000 3,750 2,500,001 3,000,000 4,500 3,000,001 3,500,000 5,250 3,500,001 4,000,000 6,000 4,000,001 4,500,000 6,750 4,500,001 5,000,000 7,500 5,000,001 5,500,000 8,250 5,500,001 6,000,000 9,000 5,500,001 6,000,000 9,000 6,000,001 6,500,000 9,750 6,500,001 7,000,000 10,500 7,000,001 7,500,000 11,250 7,500,001 8,000,000 12,000 8,000,001 8,500,000 12,750 8,500,001 9,000,000 13,500 9,000,001 9,500,000 14,250 9,500,001 10,000,000 15,000

10,000,001 11,000,000 16,500 11,000,001 12,000,000 18,000 12,000,001 13,000,000 19,500 13,000,001 14,000,000 21,000 13,000,001 14,000,000 21,000 14,000,001 15,000,000 22,500 15,000,001 16,000,000 24,000 16,000,001 17,000,000 25,500 17,000,001 18,000,000 27,000 18,000,001 19,000,000 28,500 19,000,001 20,000,000 30,000 20,000,001 21,000,000 31,500 21,000,001 22,000,000 33,000 22,000,001 23,000,000 34,500 23,000,001 24,000,000 36,000 24,000,001 25,000,000 37,500 25,000,001 26,000,000 39,000 25,000,001 26,000,000 39,000 26,000,001 27,000,000 40,500 27,000,001 28,000,000 42,000 28,000,001 29,000,000 43,500 29,000,001 30,000,000 45,000 30,000,001 31,000,000 46,500 31,000,001 32,000,000 48,000 32,000,001 33,000,000 49,500 33,000,001 34,000,000 51,000 34,000,001 35,000,000 52,500 35,000,001 36,000,000 54,000 36,000,001 37,000,000 55,500

- 22 -



S. # GL CodesITEM RATES 37,000,001 38,000,000 57,000 38,000,001 39,000,000 58,500 39,000,001 40,000,000 60,000 40,000,001 41,000,000 61,500 41,000,001 42,000,000 63,000 42,000,001 43,000,000 64,500 42,000,001 43,000,000 64,500 43,000,001 44,000,000 66,000 44,000,001 45,000,000 67,500 45,000,001 46,000,000 69,000 46,000,001 47,000,000 70,500 47,000,001 48,000,000 72,000 48,000,001 49,000,000 73,500 49,000,001 50,000,000 75,000 50,000,001 51,000,000 76,500 51,000,001 52,000,000 78,000 52,000,001 53,000,000 79,500 53,000,001 54,000,000 81,000 54,000,001 55,000,000 82,500 54,000,001 55,000,000 82,500 55,000,001 56,000,000 84,000 56,000,001 57,000,000 85,500 57,000,001 58,000,000 87,000 58,000,001 59,000,000 88,500 59,000,001 60,000,000 90,000 60,000,001 61,000,000 91,500 61,000,001 62,000,000 93,000 62,000,001 63,000,000 94,500 63,000,001 64,000,000 96,000 64,000,001 65,000,000 97,500 65,000,001 66,000,000 99,000 66,000,001 67,000,000 100,500 66,000,001 67,000,000 100,500 67,000,001 68,000,000 102,000 68,000,001 69,000,000 103,500 69,000,001 70,000,000 105,000 70,000,001 71,000,000 106,500 71,000,001 72,000,000 108,000 72,000,001 73,000,000 109,500 73,000,001 74,000,000 111,000 74,000,001 75,000,000 112,500 75,000,001 76,000,000 114,000 76,000,001 77,000,000 115,500 77,000,001 78,000,000 117,000 78,000,001 79,000,000 118,500 78,000,001 79,000,000 118,500 79,000,001 80,000,000 120,000 80,000,001 81,000,000 121,500 81,000,001 82,000,000 123,000 82,000,001 83,000,000 124,500 83,000,001 84,000,000 126,000 84,000,001 85,000,000 127,500 85,000,001 86,000,000 129,000 86,000,001 87,000,000 130,500 87,000,001 88,000,000 132,000 88,000,001 89,000,000 133,500 89,000,001 90,000,000 135,000 90,000,001 91,000,000 136,500 90,000,001 91,000,000 136,500 91,000,001 92,000,000 138,000 92,000,001 93,000,000 139,500 93,000,001 94,000,000 141,000 94,000,001 95,000,000 142,500 95,000,001 96,000,000 144,000 96,000,001 97,000,000 145,500 97,000,001 98,000,000 147,000 98,000,001 99,000,000 148,500 99,000,001 100,000,000 150,000

100,000,001 101,000,000 151,500 101,000,001 102,000,000 153,000 102,000,001 103,000,000 154,500 102,000,001 103,000,000 154,500 103,000,001 104,000,000 156,000 104,000,001 105,000,000 157,500 105,000,001 106,000,000 159,000 106,000,001 107,000,000 160,500 107,000,001 108,000,000 162,000 108,000,001 109,000,000 163,500 109,000,001 110,000,000 165,000 110,000,001 111,000,000 166,500 111,000,001 112,000,000 168,000 112,000,001 113,000,000 169,500 113,000,001 114,000,000 171,000 114,000,001 115,000,000 172,500 114,000,001 115,000,000 172,500 115,000,001 116,000,000 174,000 116,000,001 117,000,000 175,500 117,000,001 118,000,000 177,000 118,000,001 119,000,000 178,500 119,000,001 120,000,000 180,000 120,000,001 121,000,000 181,500 121,000,001 122,000,000 183,000 122,000,001 123,000,000 184,500 123,000,001 124,000,000 186,000 124,000,001 125,000,000 187,500 125,000,001 126,000,000 189,000

- 23 -



S. # GL CodesITEM RATES 126,000,001 127,000,000 190,500 127,000,001 128,000,000 192,000 128,000,001 129,000,000 193,500 129,000,001 130,000,000 195,000 130,000,001 131,000,000 196,500 131,000,001 132,000,000 198,000 131,000,001 132,000,000 198,000 132,000,001 133,000,000 199,500 133,000,001 134,000,000 201,000 134,000,001 135,000,000 202,500 135,000,001 136,000,000 204,000 136,000,001 137,000,000 205,500 137,000,001 138,000,000 207,000 138,000,001 139,000,000 208,500 139,000,001 140,000,000 210,000 140,000,001 141,000,000 211,500 141,000,001 142,000,000 213,000 142,000,001 143,000,000 214,500 143,000,001 144,000,000 216,000 143,000,001 144,000,000 216,000 144,000,001 145,000,000 217,500 145,000,001 146,000,000 219,000 146,000,001 147,000,000 220,500 147,000,001 148,000,000 222,000 148,000,001 149,000,000 223,500 149,000,001 150,000,000 225,000 150,000,001 151,000,000 226,500 151,000,001 152,000,000 228,000 152,000,001 153,000,000 229,500 153,000,001 154,000,000 231,000 154,000,001 155,000,000 232,500 155,000,001 156,000,000 234,000 155,000,001 156,000,000 234,000 156,000,001 157,000,000 235,500 157,000,001 158,000,000 237,000 158,000,001 159,000,000 238,500 159,000,001 160,000,000 240,000 160,000,001 161,000,000 241,500 161,000,001 162,000,000 243,000 162,000,001 163,000,000 244,500 163,000,001 164,000,000 246,000 164,000,001 165,000,000 247,500 165,000,001 166,000,000 249,000 166,000,001 167,000,000 250,500 167,000,001 168,000,000 252,000 167,000,001 168,000,000 252,000 168,000,001 169,000,000 253,500 169,000,001 170,000,000 255,000 170,000,001 171,000,000 256,500 171,000,001 172,000,000 258,000 172,000,001 173,000,000 259,500 173,000,001 174,000,000 261,000 174,000,001 175,000,000 262,500 175,000,001 176,000,000 264,000 176,000,001 177,000,000 265,500 177,000,001 178,000,000 267,000 178,000,001 179,000,000 268,500 179,000,001 180,000,000 270,000 179,000,001 180,000,000 270,000 180,000,001 181,000,000 271,500 181,000,001 182,000,000 273,000 182,000,001 183,000,000 274,500 183,000,001 184,000,000 276,000 184,000,001 185,000,000 277,500 185,000,001 186,000,000 279,000 186,000,001 187,000,000 280,500 187,000,001 188,000,000 282,000 188,000,001 189,000,000 283,500 189,000,001 190,000,000 285,000 190,000,001 191,000,000 286,500 191,000,001 192,000,000 288,000 191,000,001 192,000,000 288,000 192,000,001 193,000,000 289,500 193,000,001 194,000,000 291,000 194,000,001 195,000,000 292,500 195,000,001 196,000,000 294,000 196,000,001 197,000,000 295,500 197,000,001 198,000,000 297,000 198,000,001 199,000,000 298,500 199,000,001 200,000,000 300,000

See note belowNote:Charges are negotiable if business commitment is over Rs.200M p.a. with approval of (Group) Head/Business Heads


3 At collecting end: 3030401200(a) Collection Charges Minimum Rs.500/-

Per QuarterFrom To or part thereof Upto

1 125,000 500 125,001 500,000 2,000 500,001 800,000 3,200 800,001 1,000,000 4,000

1,000,001 1,500,000 6,000 1,500,001 2,000,000 8,000

Amount Range

- 24 -



S. # GL CodesITEM RATES 2,000,001 2,500,000 10,000 2,500,001 3,000,000 12,000 3,000,001 3,500,000 14,000 3,500,001 4,000,000 16,000 4,000,001 4,500,000 18,000 4,500,001 5,000,000 20,000 4,500,001 5,000,000 20,000 5,000,001 5,500,000 22,000 5,500,001 6,000,000 24,000 6,000,001 6,500,000 26,000 6,500,001 7,000,000 28,000 7,000,001 7,500,000 30,000 7,500,001 8,000,000 32,000 8,000,001 8,500,000 34,000 8,500,001 9,000,000 36,000 9,000,001 9,500,000 38,000 9,500,001 10,000,000 40,000

10,000,001 11,000,000 44,000 11,000,001 12,000,000 48,000 11,000,001 12,000,000 48,000 12,000,001 13,000,000 52,000 13,000,001 14,000,000 56,000 14,000,001 15,000,000 60,000 15,000,001 16,000,000 64,000 16,000,001 17,000,000 68,000 17,000,001 18,000,000 72,000 18,000,001 19,000,000 76,000 19,000,001 20,000,000 80,000 20,000,001 21,000,000 84,000 21,000,001 22,000,000 88,000 22,000,001 23,000,000 92,000 23,000,001 24,000,000 96,000 23,000,001 24,000,000 96,000 24,000,001 25,000,000 100,000 25,000,001 26,000,000 104,000 26,000,001 27,000,000 108,000 27,000,001 28,000,000 112,000 28,000,001 29,000,000 116,000 29,000,001 30,000,000 120,000 30,000,001 31,000,000 124,000 31,000,001 32,000,000 128,000 32,000,001 33,000,000 132,000 33,000,001 34,000,000 136,000 34,000,001 35,000,000 140,000 35,000,001 36,000,000 144,000 35,000,001 36,000,000 144,000 36,000,001 37,000,000 148,000 37,000,001 38,000,000 152,000 38,000,001 39,000,000 156,000 39,000,001 40,000,000 160,000 40,000,001 41,000,000 164,000 41,000,001 42,000,000 168,000 42,000,001 43,000,000 172,000 43,000,001 44,000,000 176,000 44,000,001 45,000,000 180,000 45,000,001 46,000,000 184,000 46,000,001 47,000,000 188,000 47,000,001 48,000,000 192,000 47,000,001 48,000,000 192,000 48,000,001 49,000,000 196,000 49,000,001 50,000,000 200,000 50,000,001 51,000,000 204,000 51,000,001 52,000,000 208,000 52,000,001 53,000,000 212,000 53,000,001 54,000,000 216,000 54,000,001 55,000,000 220,000 55,000,001 56,000,000 224,000 56,000,001 57,000,000 228,000 57,000,001 58,000,000 232,000 58,000,001 59,000,000 236,000 59,000,001 60,000,000 240,000 59,000,001 60,000,000 240,000 60,000,001 61,000,000 244,000 61,000,001 62,000,000 248,000 62,000,001 63,000,000 252,000 63,000,001 64,000,000 256,000 64,000,001 65,000,000 260,000 65,000,001 66,000,000 264,000 66,000,001 67,000,000 268,000 67,000,001 68,000,000 272,000 68,000,001 69,000,000 276,000 69,000,001 70,000,000 280,000 70,000,001 71,000,000 284,000 71,000,001 72,000,000 288,000 71,000,001 72,000,000 288,000 72,000,001 73,000,000 292,000 73,000,001 74,000,000 296,000 74,000,001 75,000,000 300,000 75,000,001 76,000,000 304,000 76,000,001 77,000,000 308,000 77,000,001 78,000,000 312,000 78,000,001 79,000,000 316,000 79,000,001 80,000,000 320,000 80,000,001 81,000,000 324,000 81,000,001 82,000,000 328,000 82,000,001 83,000,000 332,000

- 25 -



S. # GL CodesITEM RATES 83,000,001 84,000,000 336,000 84,000,001 85,000,000 340,000 85,000,001 86,000,000 344,000 86,000,001 87,000,000 348,000 87,000,001 88,000,000 352,000 88,000,001 89,000,000 356,000 88,000,001 89,000,000 356,000 89,000,001 90,000,000 360,000 90,000,001 91,000,000 364,000 91,000,001 92,000,000 368,000 92,000,001 93,000,000 372,000 93,000,001 94,000,000 376,000 94,000,001 95,000,000 380,000 95,000,001 96,000,000 384,000 96,000,001 97,000,000 388,000 97,000,001 98,000,000 392,000 98,000,001 99,000,000 396,000 99,000,001 100,000,000 400,000

See note belowOver Rs. 100 Million See note below

Note:For business commitment of over Rs.100M charges are negotiable with client after obtaining approval from (Group) Head/ Business Heads

(b) In case of purchase Usual charges as at (a) above(see note below)

Note:I) All other charges as per Notes (a) & (b) and item No.2 above wherever applicable shall be extra.

ii) Recovery of Remittance Charges from Banks & DFIs subject to arrangements


ii) Recovery of Remittance Charges from Banks & DFIs subject to arrangements

All trade finance/ guarantee related items (including but not limited to LC charges, service fees,renewal) can be relaxed/ waivedby the business subject to sign-off by relevant TPD and (Group) Head subject to FED.

- 26 -




D

BILLS

1 Collections :(a) i ) Clean (including cheques/dividend Upto 0.25% - Minimum Rs.150/- plus postage. 3030401020 warrants/bank drafts etc;). courier charges. ii) For MCB own Cheques/DD/PO. 0.15% - Minimum Rs.100/- plus postage/ courier charges. 3030401020

Note:a) No charges if collected through local clearing

b) If total annual volume exceed Rs.50 M following slab shall be applicable

Above Rs.50M to 500M 0.15%Above Rs.500M upto 1,000M 0.10%Above Rs.1000M 0.05%

c) In case of urgent collection of local cheque of Rs.0.500 million and above; Rs.500/- per collection. Returning charges of such collection @ Rs.200/- per collection

d) Postage/Courier charges are to be recovered on collection/realization of each instrument (whether clean or documentary). However, in case where party has deposited more than one cheque instrument on particular date to be collected/drawn on the same branchinstrument on particular date to be collected/drawn on the same branch of the bank, postage/courier charges are to be recoveredonce only.

e) Collection of cheque of small amount may be effected through Postal Service (other than Courier) if specifically requested by the party in writing for which he will be responsible for delay.

f) Collecting agent's charges, if the collecting bank is other than the bank, will be extra.

g) Telegram/Trunk Call Charges will be extra, if fate of the instrument is asked for by telegram/ telephone.

2 Musharakah Export Financing - Foreign Profit to be charged on case to case basis. 3030401020

3 Returning charges Upt Rs.500/- plus courier charges.

Notes :-(a) Collecting agents charges, if the collecting bank is another bank, will be extra.(b) If fate of instrument is confirmed by telephone/fax, the cost will be recovered.

- 27 -




E

1 Following charges will be recovered in 'addition to Profit/Return on At actual, in addition : 3060601030

FINANCES

investment. Miscellaneous (i.e. charges for documentation, evaluation of security and maintenance thereof etc). 1. Legal documentation fee @ 0.20% (Flat) after acceptance of

sanction by the Company but before disbursement of the total amount of sanction (Funded and Non Funded Both). (To be included in Selling Price in case of Murabaha).

2. Project examination fee @ 0.25% (Flat) after acceptance of sanction by the Company but before disbursement of the total amount of ock inspection report charges of Rs. 2500/- per report by GM/GH - IBGbefore Sanction of Limit).

3. Project monitoring fee @ 0.25% p.a. Payable quarterly on outstanding amount (Funded and Non Funded Both). (To be includedoutstanding amount (Funded and Non Funded Both). (To be included in Selling Price in case of Murabaha)

4. Front End/Arrangement Fee @ 1.00% (Flat) whereever applicable as per Bank's discretion. (To be recovered upfront after Sanction of Limit only in case of Syndication, not for bilateral arrangements)

5. Equipment Ijarah Processing Fee @ 1.00% of the amount of finance recoverable upfront

Note: Note: a) All legal fees and out of pocket expenses including but not limited to travel and accommodation, utilities printing, etc., will be on account of the customer. These charges are to be kept at actual basis. No charges on account of this facility shall be borne by IBD/IBBb) Legal fees and charges are to be paid in actual.c) Above charges to be recovered upfront before booking of Ijarah and reduction /waiver to be approved by Group Head/Business Headsd) 'The bank reserves the right to determine the applicability, as per arrangements with customers with the approval of Group Head/Business Headse) GH/GM-IBG can waive stock inspection charges of Rs.2500/ report

2 Miscellaneous charges for issuance of NOC: 3060601030

For issuance of NOC at the request of customers/clients for On case to case basis as per agreement with the party.creating charge over 'assets of the borrowing company forobtaining further financing from other 'Banks/DFIs/Financial Institutions.


Note:

3 For finances against pledge/hypothecation, Owned

creating charge over 'assets of the borrowing company for

Recovery of these charges shall be waived/negotiable by relevant Group Heads on group business basis and or if facilities have been allowed under Consortium financing

3 For finances against pledge/hypothecation, Ownedvarious charges to be levied as follows : 3060102010

Acquired(a) Godown Rent At actual. To be included in Murabahah Selling Price on case to case 3060102020

basis.(b) Godown staff salaries : At actual. To be included in Murabahah Selling Price on 3060601030 Salaries of Godown keepers/Chowkidars. case to case basis.

(c) Mucaddam Charges and storage or Stock Inspection. At actual. To be included in Murabahah Selling Price on case to case basis. 3060601030

(d) Godown Inspection Charges : Shall be included in Murabahah Selling Price on case to case basis 3060601030

(i) Within Municipal limits or within a Upto Rs.1 Million Rs.400/- 3060601030 (i) Within Municipal limits or within a Upto Rs.1 Million Rs.400/- 3060601030 radius of 10 Kilometers from the Above Rs.1 Million to 5 Million Rs.700/- branch. Above Rs.5 Million to 10 Million Rs.1,500/-

Above Rs.10 Million Rs.2,500/-Plus actual conveyance charges.Maximum one visit per month.

(ii) Outside the above limits. T.A. & D.A. as per rules. Applicable to Staff only in addition to charges 3060601030at 'd (i)' above

Upto Rs.5 Million Rs.300/- 3060601030Above Rs.5 Million Rs.500/-Plus T.A. & D.A. as per rules. Applicable to Staff only

(iii) Seasonal financing (Cotton, Rice etc.)

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

(e) Delivery charges: At actual. To be included in Murabahah Selling Price on 3060601030 If a godown keeper is not posted, case to case basis. conveyance charges will be recovered.

(f) Other incidental expenses : At actual. To be included in Murabahah Selling Price on 3060601030 Insurance premia/takaful contribution, legal charges etc. case to case basis.

(g) Directors search/Charge search/Local At actual. To be recovered upfront. 3060601030 credit report/Independent stocks Minimum Rs.300/- verification/Independent credit report/

- 28 -



S. # GL CodesITEM RATES CIB report/Assets valuation.

(h) Handling charges on marking of lien on Govt. securities Rs.500/- flat per customer. To be recovered upfront. 3060601030

(i) Marking of lien on securities issued by MCB for other Rs.500/- flat per customer. To be recovered upfront. 3060601030 banks banks

(j) eCIB Individuals Rs. 150/- 3060601030Entities Rs. 250/-

Note : b ) While recovering the miscellaneous charges like godown rent, godown staff salary, inspection charges etc. theamount recovered from the borrowers shall not exceed the total rent of the godown, salary of the godown staff etc. Inother words, miscellaneous charges will be levied at actual and not become a source of profit to the bank. Bank reserve the right to determine the applicability as per arrangement with the customer with approval from Group Head/Business Head of godown insepction charges. However, reimbursement of actual conveyance charges to be made to concerned staff to the debit of Expenses Account after proper approval of the Business Group Head/Business Heads.Account after proper approval of the Business Group Head/Business Heads.

F

Standing instructions fee will be recovered in addition to the Rs.200 3060601030usual charges on remittances, if any (If not specified in the rules of specific product)

STANDING INSTRUCTIONS FEE

G

1Sale and purchase of shares and 3010101300

securities. (Shariah Complied) 0.10% on amount exceeding Rs. 10,000/- 'Minimum Rs.50/-(See note below)

0.15% on the first Rs.10,000/- of purchase 'price or cost thereof. Minimum Rs.50/-

SALE & PURCHASE OF SECURITIES SAFE CUSTODY ARTICLES IN SAFE DEPOSIT & SAFE DEPOSIT LOCKERS

Note :(a) The above charges are in addition to brokerage.(b) Charges is not to be recovered on purchase of newly floated Securities, where it is payable by the Government/Government Agencies and from the subscribers to new share flotation.(c) When orders for purchase or sale of shares/securities are executed through the bank's other offices,all incidental expenses such as postage,insurance charges/ takaful contribution etc., incurred will be recovered in addition to the Charges/brokerage charges.

2 Withdrawal fee on shares and securities held in safe custody 0.25% on the first Rs.10,000/- of the 'paid-up or face value - Minimum Rs.50/ 3010101300(to be recovered at the time of withdrawal). 0.125% on amount exceeding Rs. 10,000/-.

3 Withdrawal fee on Government Securities (where shares and/ Rs.10/- per script - Minimum Rs.50/- 3010101300/or securities sold are from those held in safe custody, eitherCharges on sale of shares and securities as shown againstitem 1 or withdrawal fees as shown against item 2 and 3whichever is higher, will be charged, but not both).

4 Public Floatation of Shares/Modaraba Charges @ 0.50% plus Out of Pocket 3010101300Certificates/Offer for Sale of Shares/ Expenses. Minimum Rs.20,000/-.Dis-investment/Term Fin. Certificates (Shariah complied) (Subject to Negotiation of Rate based on volume of business commitment).

5 Issue of Right Shares Charges @ 0.50% plus Out of Pocket 3010101300(Shariah complied) Expenses. Minimum Rs.15,000/-.

(Subject to Negotiation of Rate based on volume of business commitment).

6 Payment of Dividend Warrants through Charges @ 0.30% plus actual amount of postage/ courier charges, 3010101300designated branches. subject to negotiation of rate based on volume of business

Note :Collection & Postage charges should be condoned for MCB dividend warrants valuing upto Rs.500/-only

7 Articles in Safe Deposit :(Fee for articles in Safe Deposit to be recovered in advance at the time of deposit or at the commencement of each qtr:(a) Boxes & Packages Rs.5/- per 100 cubic inches or part thereof. 3060103010

Min. Rs.400/- per quarter.

(b) Envelopes Rs.5/- per 25 Sq. Inches or part thereof 3060103010Min. Rs.350/- per quarter

Note :-To be insured on customers' account

- 29 -



S. # GL CodesITEM RATES 8 Safe Deposit Locker Fee

(To be recovered Annually in Advance)

(a) (i) Upto 0.40 cft, small Rs.2,500/- per annum 3060103010

(ii) From 0.41 to 1.35 cft. Medium Rs.3,500/- per annum (ii) From 0.41 to 1.35 cft. Medium Rs.3,500/- per annum

(iii) From 1.36 to 2.00 cft. Large. Rs.5,000/- per annum

(iv) From 2.01 to 3.00 cft. - Extra Large Rs.7,000/- per annum

(b) Key Deposit(i) Small & Medium(ii) Large Rs.3,500 (Flat) for lockers issued on or after July 01, 2012. 1030101050(iii) Extra Large

(c) Breaking Charges Actual or Rs.3,500/- per locker whichever is higher. 3060103010(c) Breaking Charges Actual or Rs.3,500/- per locker whichever is higher. 3060103010

(d) Late Payment Fee Rs.250/- for Small - Rs.400/- for Medium - Rs.600/- for Large 1090802060Per month with grace period of one monthPenalty amount will be transferred to Charity Fund Account

Notes: Business Heads may waive key deposits where client maintain deposits of Rs.1.0 M or above in profit bearing account and route export business of Rs.10 M and above p.a.

- 30 -




HGUARANTEES

1 Guarantees issued in favor of Shipping 3030401080companies in lieu of Bills of Lading.

2 Guarantee issued in favor of Collector of Customs in lieu of Upto 0.60% per quarter 3030401030payment of import/Export Duty which are valid upto 6 months(See Note at the end of section)

Minimum Charges Upto Rs.1000/-

Per quarter orFrom To thereof

Upto Rs.1500/- per month till return of original guarantee subsequent to receipt and release of subsequent documents

Collector of Customs in lieu of payment of import/Export Duty which are valid upto 6 monthsAmount Range

From To thereof 1 500,000 3,000

500,001 1,000,000 6,0001,000,001 1,500,000 9,0001,500,001 2,000,000 12,0002,000,001 2,500,000 15,0002,500,001 3,000,000 18,0003,000,001 3,500,000 21,0003,500,001 4,000,000 24,0004,000,001 4,500,000 27,0004,500,001 5,000,000 30,0005,000,001 5,500,000 33,0005,500,001 6,000,000 36,0005,500,001 6,000,000 36,0006,000,001 6,500,000 39,0006,500,001 7,000,000 42,0007,000,001 7,500,000 45,0007,500,001 8,000,000 48,0008,000,001 8,500,000 51,0008,500,001 9,000,000 54,0009,000,001 9,500,000 57,0009,500,001 10,000,000 60,000

10,000,001 10,500,000 63,00010,500,001 11,000,000 66,00011,000,001 11,500,000 69,00011,500,001 12,000,000 72,00011,500,001 12,000,000 72,00012,000,001 12,500,000 75,00012,500,001 13,000,000 78,00013,000,001 13,500,000 81,00013,500,001 14,000,000 84,00014,000,001 14,500,000 87,00014,500,001 15,000,000 90,00015,000,001 15,500,000 93,00015,500,001 16,000,000 96,00016,000,001 16,500,000 99,00016,500,001 17,000,000 102,00017,000,001 17,500,000 105,00017,500,001 18,000,000 108,00017,500,001 18,000,000 108,00018,000,001 18,500,000 111,00018,500,001 19,000,000 114,00019,000,001 19,500,000 117,00019,500,001 20,000,000 120,00020,000,001 20,500,000 123,00020,500,001 21,000,000 126,00021,000,001 21,500,000 129,00021,500,001 22,000,000 132,00022,000,001 22,500,000 135,00022,500,001 23,000,000 138,00023,000,001 23,500,000 141,00023,500,001 24,000,000 144,00023,500,001 24,000,000 144,00024,000,001 24,500,000 147,00024,500,001 25,000,000 150,00025,000,001 25,500,000 153,00025,500,001 26,000,000 156,00026,000,001 26,500,000 159,00026,500,001 27,000,000 162,00027,000,001 27,500,000 165,00027,500,001 28,000,000 168,00028,000,001 28,500,000 171,00028,500,001 29,000,000 174,00029,000,001 29,500,000 177,00029,500,001 30,000,000 180,00029,500,001 30,000,000 180,00030,000,001 30,500,000 183,00030,500,001 31,000,000 186,00031,000,001 31,500,000 189,00031,500,001 32,000,000 192,00032,000,001 32,500,000 195,00032,500,001 33,000,000 198,00033,000,001 33,500,000 201,00033,500,001 34,000,000 204,00034,000,001 34,500,000 207,00034,500,001 35,000,000 210,00035,000,001 35,500,000 213,000

- 31 -



S. # GL CodesITEM RATES 35,500,001 36,000,000 216,00036,000,001 36,500,000 219,00036,500,001 37,000,000 222,00037,000,001 37,500,000 225,00037,500,001 38,000,000 228,00038,000,001 38,500,000 231,00038,000,001 38,500,000 231,00038,500,001 39,000,000 234,00039,000,001 39,500,000 237,00039,500,001 40,000,000 240,00040,000,001 40,500,000 243,00040,500,001 41,000,000 246,00041,000,001 41,500,000 249,00041,500,001 42,000,000 252,00042,000,001 42,500,000 255,00042,500,001 43,000,000 258,00043,000,001 43,500,000 261,00043,500,001 44,000,000 264,00044,000,001 44,500,000 267,00044,000,001 44,500,000 267,00044,500,001 45,000,000 270,00045,000,001 45,500,000 273,00045,500,001 46,000,000 276,00046,000,001 46,500,000 279,00046,500,001 47,000,000 282,00047,000,001 47,500,000 285,00047,500,001 48,000,000 288,00048,000,001 48,500,000 291,00048,500,001 49,000,000 294,00049,000,001 49,500,000 297,00049,500,001 50,000,000 300,00050,000,001 50,500,000 303,00050,000,001 50,500,000 303,000

See Note below (Minimum Rs.1000/-)

NoteCharges negotiable on case to case basis under approval of (Group) Head / Business Head

3 Upto 0.40% per quarter 3030401030


DFIs/Fainancial Institutions

Guarantees issued in favor of DFIs/Financial Institutions for financial accommodation to customers.

Above Rs. 50.5 Million

Per quarter or partFrom To thereof

1 250,000 1,000250,000 500,000 2,000500,001 1,000,000 4,000

1,000,001 1,500,000 6,0001,500,001 2,000,000 8,0002,000,001 2,500,000 10,0002,500,001 3,000,000 12,0003,000,001 3,500,000 14,0003,500,001 4,000,000 16,0004,000,001 4,500,000 18,000

DFIs/Fainancial Institutions Amount Range

4,000,001 4,500,000 18,0004,500,001 5,000,000 20,0005,000,001 5,500,000 22,0005,500,001 6,000,000 24,0006,000,001 6,500,000 26,0006,500,001 7,000,000 28,0007,000,001 7,500,000 30,0007,500,001 8,000,000 32,0008,000,001 8,500,000 34,0008,500,001 9,000,000 36,0009,000,001 9,500,000 38,0009,500,001 10,000,000 40,000

10,000,001 10,500,000 42,00010,000,001 10,500,000 42,00010,500,001 11,000,000 44,00011,000,001 11,500,000 46,00011,500,001 12,000,000 48,00012,000,001 12,500,000 50,00012,500,001 13,000,000 52,00013,000,001 13,500,000 54,00013,500,001 14,000,000 56,00014,000,001 14,500,000 58,00014,500,001 15,000,000 60,00015,000,001 15,500,000 62,00015,500,001 16,000,000 64,00016,000,001 16,500,000 66,00016,000,001 16,500,000 66,00016,500,001 17,000,000 68,00017,000,001 17,500,000 70,00017,500,001 18,000,000 72,00018,000,001 18,500,000 74,00018,500,001 19,000,000 76,00019,000,001 19,500,000 78,00019,500,001 20,000,000 80,00020,000,001 20,500,000 82,00020,500,001 21,000,000 84,00021,000,001 21,500,000 86,00021,500,001 22,000,000 88,000

- 32 -



S. # GL CodesITEM RATES 22,000,001 22,500,000 90,00022,500,001 23,000,000 92,00023,000,001 23,500,000 94,00023,500,001 24,000,000 96,00024,000,001 24,500,000 98,00024,500,001 25,000,000 100,00025,000,001 25,500,000 102,00025,500,001 26,000,000 104,00026,000,001 26,500,000 106,00026,500,001 27,000,000 108,00027,000,001 27,500,000 110,00027,500,001 28,000,000 112,00028,000,001 28,500,000 114,00028,500,001 29,000,000 116,00029,000,001 29,500,000 118,00029,500,001 30,000,000 120,00030,000,001 30,500,000 122,00030,500,001 31,000,000 124,00030,500,001 31,000,000 124,00031,000,001 31,500,000 126,00031,500,001 32,000,000 128,00032,000,001 32,500,000 130,00032,500,001 33,000,000 132,00033,000,001 33,500,000 134,00033,500,001 34,000,000 136,00034,000,001 34,500,000 138,00034,500,001 35,000,000 140,00035,000,001 35,500,000 142,00035,500,001 36,000,000 144,00036,000,001 36,500,000 146,00036,500,001 37,000,000 148,00036,500,001 37,000,000 148,00037,000,001 37,500,000 150,00037,500,001 38,000,000 152,00038,000,001 38,500,000 154,00038,500,001 39,000,000 156,00039,000,001 39,500,000 158,00039,500,001 40,000,000 160,00040,000,001 40,500,000 162,00040,500,001 41,000,000 164,00041,000,001 41,500,000 166,00041,500,001 42,000,000 168,00042,000,001 42,500,000 170,00042,500,001 43,000,000 172,00042,500,001 43,000,000 172,00043,000,001 43,500,000 174,00043,500,001 44,000,000 176,00044,000,001 44,500,000 178,00044,500,001 45,000,000 180,00045,000,001 45,500,000 182,00045,500,001 46,000,000 184,00046,000,001 46,500,000 186,00046,500,001 47,000,000 188,00047,000,001 47,500,000 190,00047,500,001 48,000,000 192,00048,000,001 48,500,000 194,00048,500,001 49,000,000 196,00048,500,001 49,000,000 196,00049,000,001 49,500,000 198,00049,500,001 50,000,000 200,00050,000,001 50,500,000 202,00038,000,001 38,500,000 154,00038,500,001 39,000,000 156,00039,000,001 39,500,000 158,00039,500,001 40,000,000 160,00040,000,001 40,500,000 162,00040,500,001 41,000,000 164,00041,000,001 41,500,000 166,00041,500,001 42,000,000 168,00042,000,001 42,500,000 170,00042,000,001 42,500,000 170,00042,500,001 43,000,000 172,00043,000,001 43,500,000 174,00043,500,001 44,000,000 176,00044,000,001 44,500,000 178,00044,500,001 45,000,000 180,00045,000,001 45,500,000 182,00045,500,001 46,000,000 184,00046,000,001 46,500,000 186,00046,500,001 47,000,000 188,00047,000,001 47,500,000 190,00047,500,001 48,000,000 192,00048,000,001 48,500,000 194,00048,000,001 48,500,000 194,00048,500,001 49,000,000 196,00049,000,001 49,500,000 198,00049,500,001 50,000,000 200,00050,000,001 50,500,000 202,000

See Note below (Minimum Rs.1000/-)

Note:Service charges are subject to negotiation with client on their group business basis after obtaining approval from the (Group) Head/Business Head.

Above Rs. 50,500,000

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4 Bank Guarantee assignment noting Upto Rs.1000 3030401030(having assignment clause)charges/confimation genuineness in favour of other Banks.

5 Other Guarantees 3030401030

Minimum Service Fee Rs. 1,500/- per annum per guarantee or Rs.400/- per quarter wherever guarantee validity is less than one year. . Charges may be waived against 100% Cash kept in Margin Account

From To1 500,000 2,000

4,000

per quarter or part thereofAmount Range

500,001 1,000,000 4,0001,000,001 1,500,000 6,0001,500,001 2,000,000 8,0002,000,001 2,500,000 10,0002,500,001 3,000,000 12,0003,000,001 3,500,000 14,0003,500,001 4,000,000 16,0004,000,001 4,500,000 18,0004,500,001 5,000,000 20,0005,000,001 5,500,000 22,0005,500,001 6,000,000 24,0006,000,001 6,500,000 26,0006,500,001 7,000,000 28,0006,500,001 7,000,000 28,0007,000,001 7,500,000 30,0007,500,001 8,000,000 32,0008,000,001 8,500,000 34,0008,500,001 9,000,000 36,0009,000,001 9,500,000 38,0009,500,001 10,000,000 40,000

10,000,001 10,500,000 42,00010,500,001 11,000,000 44,00011,000,001 11,500,000 46,00011,500,001 12,000,000 48,00012,000,001 12,500,000 50,00012,500,001 13,000,000 52,00012,500,001 13,000,000 52,00013,000,001 13,500,000 54,00013,500,001 14,000,000 56,00014,000,001 14,500,000 58,00014,500,001 15,000,000 60,00015,000,001 15,500,000 46,50015,500,001 16,000,000 48,00016,000,001 16,500,000 49,50016,500,001 17,000,000 51,00017,000,001 17,500,000 52,50017,500,001 18,000,000 54,00018,000,001 18,500,000 55,50018,500,001 19,000,000 57,00018,500,001 19,000,000 57,00019,000,001 19,500,000 58,50019,500,001 20,000,000 60,00020,000,001 20,500,000 61,50020,500,001 21,000,000 63,00021,000,001 21,500,000 64,50021,500,001 22,000,000 66,00022,000,001 22,500,000 67,50022,500,001 23,000,000 69,00023,000,001 23,500,000 70,50023,500,001 24,000,000 72,00024,000,001 24,500,000 73,50024,500,001 25,000,000 75,00024,500,001 25,000,000 75,00025,000,001 25,500,000 76,50025,500,001 26,000,000 78,00026,000,001 26,500,000 79,50026,500,001 27,000,000 81,00027,000,001 27,500,000 82,50027,500,001 28,000,000 84,00028,000,001 28,500,000 85,50028,500,001 29,000,000 87,00029,000,001 29,500,000 88,50029,500,001 30,000,000 90,00030,000,001 30,500,000 76,25030,500,001 31,000,000 77,50030,500,001 31,000,000 77,50031,000,001 31,500,000 78,75031,500,001 32,000,000 80,00032,000,001 32,500,000 81,25032,500,001 33,000,000 82,50033,000,001 33,500,000 83,75033,500,001 34,000,000 85,00034,000,001 34,500,000 86,25034,500,001 35,000,000 87,50035,000,001 35,500,000 88,75035,500,001 36,000,000 90,00036,000,001 36,500,000 91,250

- 34 -



S. # GL CodesITEM RATES 36,500,001 37,000,000 92,50037,000,001 37,500,000 93,75037,500,001 38,000,000 95,00038,000,001 38,500,000 96,25038,500,001 39,000,000 97,50039,000,001 39,500,000 98,75039,500,001 40,000,000 100,00040,000,001 40,500,000 101,25040,500,001 41,000,000 102,50041,000,001 41,500,000 103,75041,500,001 42,000,000 105,00042,000,001 42,500,000 106,25042,500,001 43,000,000 107,50043,000,001 43,500,000 108,75043,500,001 44,000,000 110,00044,000,001 44,500,000 111,25044,500,001 45,000,000 112,50045,000,001 45,500,000 113,75045,000,001 45,500,000 113,75045,500,001 46,000,000 115,00046,000,001 46,500,000 116,25046,500,001 47,000,000 117,50047,000,001 47,500,000 118,75047,500,001 48,000,000 120,00048,000,001 48,500,000 121,25048,500,001 49,000,000 122,50049,000,001 49,500,000 123,75049,500,001 50,000,000 125,000

Negotiable (See Note below)Note:Service charges are subject to negotiation with client on their group business basis after o btaining approval from the (Group) Head/ Business Head

Above Rs. 50 Million

Service charges are subject to negotiation with client on their group business basis after o btaining approval from the (Group) Head/ Business Head

6 Back to Back Guarantees 3030401030Indcluding Performance Bonds, Bid Bonds, Advance Payment Guarantees To be negotiated by FID on case ot case basis plus actual issued against counter guarantee of Islamic Banking institution. cost of Stamp paper,courier / swift charges etc.

Minimum Charges Minimum charges Upto US$ 100/-

Per quarter or partFrom To thereof *[1]

1 500,000 2,000500,001 1,000,000 4,000

Amount Range

500,001 1,000,000 4,0001,000,001 1,500,000 6,0001,500,001 2,000,000 8,0002,000,001 2,500,000 10,0002,500,001 3,000,000 12,0003,000,001 3,500,000 14,0003,500,001 4,000,000 16,0004,000,001 4,500,000 18,0004,500,001 5,000,000 20,0005,000,001 5,500,000 22,0005,500,001 6,000,000 24,0006,000,001 6,500,000 26,0006,500,001 7,000,000 28,0006,500,001 7,000,000 28,0007,000,001 7,500,000 30,0007,500,001 8,000,000 32,0008,000,001 8,500,000 34,0008,500,001 9,000,000 36,0009,000,001 9,500,000 38,0009,500,001 10,000,000 40,000

10,000,001 10,500,000 42,00010,500,001 11,000,000 44,00011,000,001 11,500,000 46,00011,500,001 12,000,000 48,00012,000,001 12,500,000 50,00012,500,001 13,000,000 52,00012,500,001 13,000,000 52,00013,000,001 13,500,000 54,00013,500,001 14,000,000 56,00014,000,001 14,500,000 58,00014,500,001 15,000,000 60,00015,000,001 15,500,000 62,00015,500,001 16,000,000 64,00016,000,001 16,500,000 66,00016,500,001 17,000,000 68,00017,000,001 17,500,000 70,00017,500,001 18,000,000 72,00018,000,001 18,500,000 74,00018,500,001 19,000,000 76,00018,500,001 19,000,000 76,00019,000,001 19,500,000 78,00019,500,001 20,000,000 80,00020,000,001 20,500,000 82,00020,500,001 21,000,000 84,00021,000,001 21,500,000 86,00021,500,001 22,000,000 88,00022,000,001 22,500,000 90,00022,500,001 23,000,000 92,00023,000,001 23,500,000 94,00023,500,001 24,000,000 96,00024,000,001 24,500,000 98,000

- 35 -



S. # GL CodesITEM RATES 24,500,001 25,000,000 100,00025,000,001 25,500,000 102,00025,500,001 26,000,000 104,00026,000,001 26,500,000 106,00026,500,001 27,000,000 108,00027,000,001 27,500,000 110,00027,500,001 28,000,000 112,00028,000,001 28,500,000 114,00028,500,001 29,000,000 116,00029,000,001 29,500,000 118,00029,500,001 30,000,000 120,00030,000,001 30,500,000 122,00030,500,001 31,000,000 124,00031,000,001 31,500,000 126,00031,500,001 32,000,000 128,00032,000,001 32,500,000 130,00032,500,001 33,000,000 132,00033,000,001 33,500,000 134,00033,000,001 33,500,000 134,00033,500,001 34,000,000 136,00034,000,001 34,500,000 138,00034,500,001 35,000,000 140,00035,000,001 35,500,000 142,00035,500,001 36,000,000 144,00036,000,001 36,500,000 146,00036,500,001 37,000,000 148,00037,000,001 37,500,000 150,00037,500,001 38,000,000 152,00038,000,001 38,500,000 154,00038,500,001 39,000,000 156,00039,000,001 39,500,000 158,00039,000,001 39,500,000 158,00039,500,001 40,000,000 160,00040,000,001 40,500,000 162,00040,500,001 41,000,000 164,00041,000,001 41,500,000 166,00041,500,001 42,000,000 168,00042,000,001 42,500,000 170,00042,500,001 43,000,000 172,00043,000,001 43,500,000 174,00043,500,001 44,000,000 176,00044,000,001 44,500,000 178,00044,500,001 45,000,000 180,00045,000,001 45,500,000 182,00045,000,001 45,500,000 182,00045,500,001 46,000,000 184,00046,000,001 46,500,000 186,00046,500,001 47,000,000 188,00047,000,001 47,500,000 190,00047,500,001 48,000,000 192,00048,000,001 48,500,000 194,00048,500,001 49,000,000 196,00049,000,001 49,500,000 198,00049,500,001 50,000,000 200,000

Negotiable (See Note below)

7 Amendment in Guarantees

Above Rs. 50 Million

7 Amendment in Guarantees(a) Amendment without increase in amount or extension in expiry 3030401030date when charges are on account of principal or beneficiary.

(i) Located in Pakistan Upto Rs.1,200 per transaction. (ii) Located outside Pakistan

(b) Amendment involving change in amount or extension in expiry 3030401030date/ cancellation of guarantee.

8 Cancellation of Guaranteebefore expiry date when charges are on account of principal or

Charges as per item "a" above plus applicable charges as per item # 1 to 6 above.

Upto US$ 50/- or equivalent in other currencies per transaction.

before expiry date when charges are on account of principal orbeneficiary.

(i) Located in Pakistan Upto Rs.1,200 per transaction. (ii) Located outside Pakistan

9 Actual Administrative cost for expired Guarantee until original Up to Rs.1,000/- to be recovered per quarter till return of the original instrument. 3030401030Guarantee is returned to the Bank.

Note:(a) All trade finance/guarantee related items (including but not limited to LC charges, service fees, renewal/interim review fees etc) can be relaxed /waived by the Business subject to sign off by relevant TPD subject to FED.

Upto US$ 50/- or equivalent in other currencies per transaction.

/waived by the Business subject to sign off by relevant TPD subject to FED.(b) Guarantee confirmation charges, where applicable, will be recovered on case to case basis.(d) All guarantees issued by banks must be for a specific amount having fixed expiry date and a date by which the claims are to be lodged. Commissionto be charged from the date of issue till expiry of the L/G including claim period or till such time the bank is released from its liability under the Guaranteewhichever is later.

- 36 -




I

1 Charges for issuance of Duplicate/ photostat copy or Fresh Rs. 35/- (Inclusive of FED) 3060601300

MISCELLANEOUS

1 Charges for issuance of Duplicate/ photostat copy or Fresh Rs. 35/- (Inclusive of FED) 3060601300statement of account other than half yearly statement

2 Issuance of Cheque Book

a) For LCY (Ianat & Almakhraj Savings a/c) Rs.7/- per leaf plus excise duty if any.(Ianat a/c & Al Makhraj Saving 3060601120Deposit a/c)

b) For FCY a/c For FCY a/c US$ 0.15/- , GB.£.0.10/- , Euro€ 0.10/- ( Per Leaf )

3 Issuance of new cheque book in lieu of lost cheque book (LCY/FCY) Rs.200/- per request plus, Cheque Book Charges 3060601120(These charges are in addition to stop payment chargesprescribed below).

4 Stop payment charges Charges per instruction. 3060601220Rs.300/- for local currency account.

5 Charges for cheques returned Inward Rs.300/-(LCY) US$.6/- ,GB.£.5/- ,Euro€.5/- ( FCY ) 3060601190These charges are recovered from the drawer(our A/c holder) who

US$ 6/-, GB 5/-, Euro 5/-, for foreign currency account and foreing currency

These charges are recovered from the drawer(our A/c holder) who has issued cheque drawn on our bank branch which is returned unpaid due to insufficient funds. Where cheques returned on counter no charges will be recovered

6 Account Maintenance/Service ChargesMinimum balance to be maintained: (i) All accounts (LCY)

7 Transaction Fee on Basic Banking Account (BBA)

a) Each month the account holder will be allowed Free 2 deposits transactions (either cash or through clearing) 2 withdrawals (either cash or clearing)

Transaction over & above the limit will be charged Rs.35/- per transaction 1090802060

b) Unlimited withdrawals through MCB’s own ATMs Free of Charge

c) Duplicate statement of account Rs.35/- (Inclusive of FED) 1090802060 (other than once in a year)

(Amount collected under this head will be transferred to Charity Account)

8 Same Day Clearing charges paid to NIFT Rs.350/- Per Cheque 30606012008 Same Day Clearing charges paid to NIFT Rs.350/- Per Cheque 3060601200US$.6/- ,GB.£.5/- ,Euro€.5/- (Per Cheque)

Note:(Group) Head/ Business Head may waive the charges in view of business consideration

9 Inter-City Clearing 3060601310 a) Clearing Charges Rs.250/- including NIFT Charges b) Cheque Returning Charges Rs.250/- including NIFT Charges

US$.4/- ,GB.£.3/- ,Euro€.3/- (FCY)

10 Balance Confirmation Certificates (Required by customers Rs. 100/- per certificate. 3060601320 other than auditors.) US$.3/- ,GB.£.2/- ,Euro€.2/- (FCY) per certificate

11Rs.100 per certificate US$.3/- ,GB.£.2/- ,Euro€.2/- (FCY) per certificate 3060601330

Eelectricity11 Charges on Collection of Utility Bills - Rs.8/- per bill Flat 3060701020

(Electricity, Gas,Telephone & Water) These charges are recoverable from Utility Companies and not from Gas either paid by cash or by Cheque 3060701030

Account Maintenance Certificate (For submission to financial institutions/Embassies/ Companies & Govt Agencies at customer request

either paid by cash or by Cheque 3060701030Telephone3060701040Water3060701090

12 Courier Upto Rs.50/- Local (within city) Upto Rs.75/- Inland (Intercity). 3060601330

- 37 -




13 Account Closing Processing Cost (Except profit bearing accounts)

a) For LCY a/c Rs.250/- or entire amount if balance is below Rs.250/- 3060601330b) For FCY a/c US $ 6, GB £ 5/-, Euro € or entire amount if balance is below/equivalent US$ 5/-b) For FCY a/c US $ 6, GB £ 5/-, Euro € or entire amount if balance is below/equivalent US$ 5/-

12 Bulk salary processing charges Upto Rs 100 per txn.(75 employees and above) TBD consent to be taken for all such cases.

13 Real Time Gross Settlement Charges (RTGS) Days Transaction SBP Bamk Total(FED is applicable on Bank's income as per rules). Time Charges Charges Charges

9:00 AM to 2:00 PM Rs.200/- Rs.20/- Rs.220/-

2:00 PM to 3:30 PM Rs.300/- Rs.30/- Rs.330/-

3:30 PM to 4:30 PM Rs.500/- Rs.50/- Rs.550/-

MT 103

Monday to Friday

Monday to Friday 9:00 AM to 4:30 PM Rs.25/- Rs.25/- Rs.50/-

MT 102

- 38 -




A

MCB 24 HOURS CASH CARD /SMART CARD (ATM/Debit Card)

1 SMART CARD (ATM / Debit Card)A-Local: Classic Gold (i) Issuance of new card * / Renewal Upto Rs.250/- Upto Rs.350/- 3030201010 (ii) Renewal Upto Rs.250/- Upto Rs.350/- 3030201030 (iii) Issuance of Supplementary card * Upto Rs.100/- Upto Rs.100/- 3030201050 (iv) Re-issuance Upto Rs.250/- Upto Rs.350/- 3030201060 (v) Complimentary Card Renewal charges will be applied after one year. 3030201020

B-International: Classic Gold (i) Issuance of new card / Renewal Upto Rs.350/- Upto Rs.500/- 3030101480

SMART CARD (ATM/Debit Card)

(i) Issuance of new card / Renewal Upto Rs.350/- Upto Rs.500/- 3030101480 (ii) Renewal Upto Rs.350/- Upto Rs.500/- 3030101600 (iii) Issuance of Supplementary card Upto Rs.200/- Upto Rs.200/- 3030101510 (iv) Re-issuance Upto Rs.350/- Upto Rs.500/- 3030101600 (v) Complimentary Card Renewal charges will be applied after one year.

2 MCB Merchant Discount / Servicing Fee Upto 3%

3 Cash on Debit Card through POS (at Branch location)Upto Rs.5,000/- Rs.50/- per transactionFrom Rs.5,001/- to Rs.10,000/- Rs.100/- per transactionFrom Rs.10,001/- to Rs.25,000/- Rs.200/- per transactionFrom Rs.10,001/- to Rs.25,000/- Rs.200/- per transaction

4 Dispute Handling Charges: (i) Domestic Sales Transaction dispute handling charges Voucher Retreival Fee = Rs.250/- per document 3030601030 for debit cards. No Charges for MCB Staff Members

(ii) International Sales Transaction dispute handling charges Voucher Retreival Fee = Rs.800/- per document 3030601030 for debit cards 50% Charges to be waived for MCB Staff

5 Cirrus Branded Smart Cards:(i) Transaction made on overseas ATMs Charges 2.75% or Rs. 250/- per transaction 3030101230

whichever is higher.whichever is higher.(ii) Balance Enquiry on other Banks ATMs. Charges equal to Rs. 85/- per transaction. 3030101230

6 Balance Enquiry 3030201120 MCB Customer at Mnet member branch Rs.4/- per transaction MCB Customer at 1Link ATM Rs.5/- per transaction

7 Cash withdrawl made on MNET ATMs Rs.10/- per transaction 3030201110

8 Cash withdrawl made on 1Link ATMs: Upto Rs.15/- per transaction (flat) 3030201110Shall be charged to/recovered from customer.

9 Virtual Banking Charges(For Transaction Banking Division Customer only) Rs.25/- (minimum) per transfer or as per agreement signed betweenAll account to account transfer transaction charges. the customer and Transaction Banking Division.

10 E-Statement:Monthly E-Statement Upto Rs.25/- per statement (these charges will be applicable if the account

holder is provided with account statement(s) as well as the e-statement. If thecustomer agrees to seek only e-statement, these charges will no apply).

11 MCB Mobile:Annual Fee Upto Rs.300/-

- 39 -




B

SILVER GOLD GOLD PLUS PLATINUM

MCB VISA DEBIT CARD

1 Issuance of MCB (Visa Debit Card)(a) New Card Upto Rs. 650/- 900/- 1,200/- 3,000/-3030101480(b) Renewal Upto Rs. 650/- 900/- 1,200/- 3,000/-3030101480(c ) Supplementary Card Upto Rs. 350/- 450/- 600/- 1,500/-3030101510(d ) Replacement Upto Rs. 650/- 900/- 1,200/- 3,000/-3030101600(e ) Complimentry Card Predefined as per CASA products proposition, or in special Sceanrio w

ith approval from unit head debit card

3 Dispute Handling Charges: 3030101660

(i) Domestic Sales Transaction dispute handling charges for Visa Voucher Retreival Fee = Upto Rs.250/- per documentDebit card.Debit card.

(ii) International Sales Transaction dispute handling charges for Visa Voucher Retreival Fee = Upto Rs.800/- per document 50% charges to Debit cards. be waived for MCB Staff.

(ii) Arbitration Charges US$ 500/-

4 International Transaction

(i) Transaction made on overseas ATMs Charges 2.75% or Rs. 250/- per transaction whichever is higher. 3030101610

(ii) Balance Enquiry on other Banks ATMs Rs.100/- Flat per transaction. 3030101640(ii) Balance Enquiry on other Banks ATMs Rs.100/- Flat per transaction. 3030101640

5 Balance inquiry: 3030101650

- MCB Customer at Mnet Member Bank Upto Rs.4/- per transaction- MCB Customer at 1Link ATM Upto Rs.5/- per transaction

6 Cash withdrawl made on MNET ATMs Upto Rs.10/- per transaction 3030101620

8 Cash withdrawl made on 1Link ATMs Upto Rs.15/- per transaction (flat) 3030101620Shall be charged to customer

9 Virtual Banking Charges(For Transaction Banking Division Customer only) Rs.25/- (minimum) per transfer or as per agreement signed betweenAll account to account transfer transaction charges. the customer and Transaction Banking Division.

10 E-Statement:Monthly E-Statement Upto Rs.25/- Per StatementOn Demand E-Statement ( Free for Customer who suppress physical statements)

16 MCB Mobile:Annual Fee Upto Rs.300/- per annumRenewal Fee Upto Rs.300/- per annum

- 40 -




C

MCB Lite 0 MCB Lite 1 MCB Lite 2

MCB LITE

1 Retail Pack Price2 Activation/Joining Fee3 Upgradation Fee4 Annual Fee5 Suplimentary Card Issuance Fee6 Suplimentary Card Maintainence Fee

7 Cash/Deposit FeeAt Branch At Agent

Less than Rs.500/- Free Rs.10/-Rs.500/- to Rs.5,000/- Free 0.50% of amount

NA NA NA NA NA NA Upto Rs. 1,200/- Upto Rs. 1,200/- Upto Rs. 1,700/-

Upto Rs.500/- NA NA Upto Rs.2,000/- Upto Rs. 2,000/- Upto Rs. 2,000/- NA NA NA

Rs.500/- to Rs.5,000/- Free 0.50% of amountOver Rs.5,000 Free Rs.25/-

Charges will include the agent service charges and the agent will not be allowed to charge anything extra for the transaction.

8 Cash out / Withdrawal Fee

Less than & equal than Rs.500/-Over Rs.500/- to Rs.25,000/-Over Rs.25,000/-

MCB Lite 0 MCB Lite 1 MCB Lite 2

NA Rs.100/- Rs.20/- Free Rs.100/- or 1% Rs.20/- or 0.5% NA 0.4% 0.28%

which ever is higher.

Through Mobile At Agent9 Air time purchase Free 2%


10 Cash withdrawl made on MNET ATMs Wallet to Wallet to Wallet to Symbols to Wallet Symbols CNIC WalletWallet Symbols CNIC Wallet Free Free Upto 5%of amount Free


Through Mobile At Agent11 Utility Bill Payment Free Upto Rs.15

12 POS Transaction Free

13 Card Replacement Upto Rs.50013 Card Replacement Upto Rs.500

14 ATM Withdrawal (international usage) Upto 2.75% (Minimum Rs.250/-)

15 Balance Inquiry (OFF-US) Rs.5/- per transaction

16 International Balance Inquiry Rs.50/- per transaction

17 ATM Withdrawal Off - US (Mnet) Rs.10/- per transaction

18 ATM Withdrawal Off - US (1-Link) Rs.15/- per transaction

19 Voucher Retrieval Fee Rs.250/- (local), Rs.800/- (international)19 Voucher Retrieval Fee Rs.250/- (local), Rs.800/- (international)

20 Arbitration Charges US $ 500/-

21 Statement Request (Hard copy) Rs.50/-

- 41 -




D

Freedem Package 1 Liberty Package 2 Ease Package 3

MCB VISA PREPAID

1 Card Issuance2 Utility Bill Payment3 Internet charges per session4 Card Replacement5 Annual Fee6 Reload Fee7 Refund Charges8 ATM Withdrawal (international usage)9 POS purchase (internation usage)

Upto 3% on foreign transaction after conversion into US$ and then bulled intoPKR to the customer inclusive of VISA charges and statement/ currency conversion loss against foreign transaction.

Rs.100/- Rs.100/- Rs.100/- NIL NIL- NIL

Rs.100/- Rs.100/- Rs.100/-

Rs.100/- Rs.100/- Rs.100/- 2% min Rs.200/- 2% min Rs.200/- 2% min Rs.200/- 2% min Rs.200/- 2% min Rs.200/- 2% min Rs.200/-

Rs.100/- Rs.75/- Rs.50/- Rs.20/- Rs.20/- Rs.20/- Rs.50/- Rs.50/- Rs.50/-

conversion loss against foreign transaction.

10 Balance Inquity at 1-Link ATMs11 Balance Inquity at Mnet ATMs12 International Balance Inquiry13 ATM Withdrawal at 1-Link ATMs14 ATM Withdrawal at Mnet ATMs15 Voucher Retreival Fee16 Arbritration Charges17 Statement of account on request (hardcopy)18 Card personalization fee Rs.200/- Rs.200/- Rs.200/-

Rs.10/- Rs.10/- Rs.10/- Rs.250/- Int Rs.800 Rs.250/- Int Rs.800 Rs.250/- Int Rs.800 US$.500/- US$.500/- US$.500/- Rs.35/- Rs.35/- Rs.35/-

Rs.15/- Rs.15/- Rs.15/- Rs.50/- Rs.50/- Rs.50/-

Rs.5/- Rs.5/- Rs.5/- Rs.4/- Rs.4/- Rs.4/-

E

(subject to implementation of this product program in the Bank).

Following charges will apply:

a) i. Transaction Charges Rs.500/- per transaction. ii. Holding Charges Upto PKR 1 Million NIL Greater than PKR 1 Million Rs.500/- per quarter

IPS (Shari'ah Compliant Investment Port folio Securities) Charges

Greater than PKR 1 Million Rs.500/- per quarter

b) Security Movement Charges Rs.500/- per quarter(to another Bank)

E

1 For CDC eligible securities:(a) Initial Deposit Fee (one time charge) Rs.0.04 per share deposit to be charged monthly. 3060601150

Custodial Services

(a) Initial Deposit Fee (one time charge) Rs.0.04 per share deposit to be charged monthly. 3060601150

(b) Transaction/Settlement Fee Rs.0.05 per share settlement upto 70,000 shares thereafter fixed at 3060601150Rs.3,500 per settlement. Over 70,000 shares, only CDC's charges willbe applicable.

(c) Custody/Position fee 0.30% p.a over month end market value of shares. 3060601150

(d) Withdrawal fee Rs.0.40 per share/script to be charged at the time of withdrawal. 3060601150

(e) Participation Fee Rs.3,000/- for individuals 3060601150(one time charge) Rs.5,000/- for institutions 3060601150

(f) Documentation fee for sub account Rs.1,000/- one time fixed 3060601150

(g) Monthly Fee for sub account Rs.300/- for individuals 3060601150

(h) Requested statement fee Rs. 10/- per page of statement 3060601150

(i) Communication/Mailing charges Actual plus 5% of Actual 3060601150

(j) Stamp fee Actual 3060601150

2 For Physical Securities:(a) Settlement charges per trade per security including all Rs.0.05% per share upto 70,000 shares, 3060601150(a) Settlement charges per trade per security including all Rs.0.05% per share upto 70,000 shares, 3060601150corporate actions and registration. thereafter fixed at Rs. 5,000/- per settlement.

(b) Custody Charges 0.30% p.a. over month end market value of share. 3060601150

(c) Documentation, Communication/Mailing and stamp fee. Actual 3060601150

Note: For individuals, there is a minimum monthly charge of Rs.1000/- if actual billed amountis less than Rs.1000/-. In case actual is more than thisfigure, the higher amount will be billed.

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D CONSUMER FINANCING

1 Car Ijarah wa Iqtina

- Processing Fee Rs.4,500/-

- Repossession Charges At actual

- Pre agreed price under Car Ijarah wa Iqtina shall be determined by adding the amount in Bank's investment at the rate as follows:

1st Year 10% 2nd Year 5% 3rd Year and all subsequent years 3% 3rd Year and all subsequent years 3%

- Late Payment Charges 20% of installment or Rs.1,000/- whichever is higherCharges so collected shall be booked in Charity collection A/c

- Cheque Return Charges Rs.500/- per transaction

- Installment Collection Charges Rs.400/- per visit

2 Car Murabaha- Processing Fee Rs.4,500/-

(To be recovered upfront before Disbursement of facility)

- Repossession Charges At actual

- Late Payment Charges 20% of installment or Rs.1,000/- whichever is higherCharges so collected shall be booked in Charity collection A/c

- Cheque Return Charges Rs.500/- per transaction

- Installment Collection Charges Rs.400/- per visit

Note:For individuals/employees only, separate terms and conditions will apply for institutional arrangements.Bank may revise/adjust the rentals onchanges in profit rates, application of taxation & based on group customer's risk relationship.

3 Equipment Ijarah wa Iqtina - (Application Processing Fee) 1% of the amount of finance, recoverable upfront

Note: a) All legal fees and out of pocket expenses including but not limited to travel and accommodation, utilities printing, etc., will be on account of the customer. These charges are to be kept at actual basis. No charges on account of this facility shall be borne by IBD/IBB.b) Legal fees and charges are to be paid in actual.c) Above charges to be recovered upfront before booking of Ijarah and reduction /waiver to be approved by (Group) Head/Business/Regional Head.

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FEE EXEMPTIONS GRID

A For Individuals / Joint Accounts/Proprietorship/Partnership/Company AccountWhere Average monthly balance of Rs.1 M in profit bearing account and equivalent amount in Foreign currency.

- Cheque book issuance- outward online banking through IBBs (transfers only)- Issuance of Visa ATM/ Debit Card- Issuance of PO, DDs (LCY)- Intercity Clearing- MCB Mobile Banking A minimum charge for Rs.1/- per service to be recovered.- Small Locker (subject to availability in respective branch).- Balance confirmation certificate.- Balance confirmation certificate.- Small locer rent (subject to availability in respective branch)- Utility bills payment facility through ATM- Cheque collection (LCY) at a minimum charge of Rs.1/- per service.

For Individuals / Joint Accounts/Proprietorship/Partnership/Company AccountWhere Average monthly balance of Rs.0.1 M in Ianat (current) account and equivalent amount in Foreign currency.

- Cheque book issuance- outward online banking through IBBs (transfers only)- Issuance of Visa ATM/ Debit Card- Issuance of PO, DDs (LCY)- Issuance of PO, DDs (LCY)- Intercity Clearing- MCB Mobile Banking A minimum charge for Rs.1/- per service to be recovered.- Small Locker (subject to availability in respective branch).- Balance confirmation certificate.- Small locer rent (subject to availability in respective branch)- Utility bills payment facility through ATM- Cheque collection (LCY) at a minimum charge of Rs.1/- per service.

Note:Will be applicable on monthly average balanceWill be applicable on monthly average balance

These waivers will also be applicable to customers having average balance utilization ofRs.25M (average annual balance) for lending customers.

B Powers to Reduce Charges

NOTE:1. Charges can be reduced but shall not be waived in full by GH-IBG. A minimal charge not less than Rs. 1 must be recovered.2. FED shall be recovered on actual amount recovered.

Charges mentioned in ISOBC are subject to negotiation/ reduction based on approval ofGH-IBG.

2. FED shall be recovered on actual amount recovered.

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B FOR MCB STAFF (Regular/Contractual/Outsourced/Retired

(A) A minimum charge for Rs.1/- per service, to be recovered from the staff, for the following items:

1 Money Transfer under general permission or specific approval of 11) Mini Statement Charges( at MCB ATM )SBP or from Foreign Currency A/c(upto US $ 1,000/- or equivalent per annum) from branch where his/her salary a/c maintained.)In case the FCY A/c is maintained at any other branch, a declarationto confirm observance of total Remmittance of US$ 1,000/- or 12) Internal Fund Transfer (through Smart Card ATM/Virtual/Mobile/Call Centre)equivalent per annum is to be sought and place on record by respective branch.

2 Cross Branch Trasaction (5 transaction pm) 13) Utility Bills Payment ( through Debit card)

3 Duplicate statement of A/c 14) Mobile Phone Bill Payment ( through Debit card)

4 Issuance of Cheque Books All A/cs (New or in lieu of lost) 15) Mobile Top up

5 Stop Payment Charges on All A/cs 16) Annual Virtual Banking Access Charges

6 Debit Card - (Issuance/Annual/Renewal Fee) For Retired staff too 17) E-Statement ( on demand)

7 Dispute Handling Charges (Debit Card) 18) Account Maintenance Charges (Except Saving A/c)

8 Balance Inquiry ( at MCB ATM) 19) Banker’s Cheque (PO & DD) (Total 5 transaction pm)

9 MCB Mobile Annual Fee 20) Account closing processing cost

10 Dispute Handling Charges (MCB Visa Debit Cards) 50% off 21) MCB Lite

(B) For locker rent the Charges for staff are (for ONE locker):

1 Locker Small Size (Rs.1 per annum (for 1 locker)

2 Medium Size - Rs.1,000/- per annum (for one locker)2 Medium Size - Rs.1,000/- per annum (for one locker)

3 Large Size - Rs.2,000/- per annum (for one locker)

(C) OSPs (Outsourced Service Providers)

A minimum charge for Rs.1/- per service, to be recovered from the staff, for the following items:Service Providers (OSPs) providing services to the MCB Bank, including circular No. PO/FCG/GEN/142 dated June 23, 2010.

- Issuance of Cheque Books all A/cs (new or in lieu of lost)- Debit Card / Visa Debit Card (Issuance/ Annual/ Renewal Fee- Account Maintenance Charges (except profit bearing accounts)- MCB Mobile Annual Fee- MCB Lite

Notes:a) No security O/A of Key Deposit on Lockers b) wherever applicable, all levies by the Government (taxes/ excise duty/ with holding tax/ FED etc.) are to be recovered from the customers in addition to charges mentioned in this document unless otherwise specifiec.c) One locker only on conccesational rated) The applicablity of any of the charges mentioned in this document is part of the "Total Earning" from the customers hence may vary from customerto customer based on the combination of products/ services availed from the Bank and correspondingly the risks associated with each customer.to customer based on the combination of products/ services availed from the Bank and correspondingly the risks associated with each customer.

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