january - june 2014 · january - june 2014. page# contents domestic banking s.# 02 03 04-06 08-09...

Schedule of ChargesJanuary - June 2014

Page#

Contents

DOMESTIC BANKING

S.#

0203

04-06

08-0909-1111-13

06-08Articles in Safe Deposit & Safe Deposit Lockers

A. RemittancesB. BillsC. Project Finance/Advances/UBL Business LineD. Sale / Purchase of Securities, Custody of

E. GuaranteesF. Local Trade BusinessG. Miscellaneous Charges

32

Bank Charges for Government Business

INTERNATIONAL BANKING

A. ImportsB. Exports 33-34C. Remittances 35-36D. Miscellaneous 36-37

UBL Signature - Priority Banking 15-16

17-18

Branchless & E-Banking 19-22

Communication Charges - General 37

Consumer Banking 23-29

31-37

Description

01.

02.

03.

04.

05.

06.

07.

01

Important Notes08. 37

DOMESTIC BANKING

DOMESTIC BANKING

01

DOMESTIC BANKING

02

Particulars ChargesA. REMITTANCES

SCGL Code

1) Cashier's Cheque/Corporate Bankers Cheque - CBC a) Issuance of Cashier's Cheque / CBC - 54200100 1009

Rs. 1000/- (flat)

Rs. 200/- (flat)

Rs. 500/- (flat)

Through AccountThrough Cash (For non account holder)Up to Rs.100KAbove Rs.100K

Same as 1(a) above

1010

1011

54200150

54200120

b) Cancellation of Cashier's Cheque /CBC

c) Issuance of Duplicate Cashier's Cheque /CBC

54200110 1009

54200100 1009 d) Issuance of instrument for payment of fees/dues in favor of Educational Institution HEC/Board etc.

2) Inter Branch Online Transactions-both Within City & Intercity 1006

a) Cash Deposits (Charges are to be recovered from the Depositor) i) Within City ii) Intercity

b) Online Funds Transfer in PKR (Account to Account transfer within UBL) (Charges are to be recovered from the remitter)

Free0.10% or Min Rs. 300/-whichever is higher

54203670

54200200 1007

Rs. 300/- (flat)Rs. 500/- (flat)

No service fee shall be charged fromstudents depositing the amount of feedirectly in the fee collecting account

For Account HoldersFor Non Account Holders

Note:

0.50% of fee/dues or Rs.25/-per instrument whichever isless.(Charges are inclusiveof Sales Tax/FED)

The Inter Branch (account to account) Foreign Currency Funds Transfer facility is available in all CBSbranches.

5420045054200450

10121013 b) Refund in Lieu of Lost Rupee Travelers

ChequesRs. 500/- per application0.10%, Min. Rs. 150/-

7) Rupee Travelers Cheques a) Issuance of Rupee Travelers Cheques

i) Within City

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

ii) IntercityFree0.20% or Min. Rs. 350/-whichever is higher

i) Within City ii) Intercity


c) Inter Bank Funds Transfer - IBFT via Branches and Contact Centre (through 1 Link within Pakistan only; charges are to be recovered from the remitter)

Rs. 300/- (flat) 54200250

54203680 1008

542002801015

-

(Charges are to be recovered from thePresenter)

e) UBL Cheque Deposit

i) Same branch (within City) ii) Different branch (Intercity)


6) Duplicate SDR / TDR / FDR Issuance Charges

5420015054200300

10101109

4) DD/MT/PO Cancellation Charges Rs. 500/- (flat)

Rs. 250/- (flat)

5) Issuance of SDR (Security Deposit Receipt)Through AccountThrough Cash

54200400 1111

Free Rs. 1000/- (flat)

54200240 1007

a) Within Cityb) Intercity

3) Inter Branch (A/c to A/c) Foreign Currency Funds Transfer (Charges to be recovered from Remitter)

USD GBPEURO AED

Free

5/- 3/-4/- 20/-

SAR 20/-or 0.10% whichever is higher

Minimum

Note:

DOMESTIC BANKING

03

SCChargesParticulars GL

Code

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

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

54206300 -

54206300 -b) Other cheques / demand instruments(like Dividend Warrants)

0.40%, Min Rs. 800/- plusmark-up from the date of purchase to the date of payment. (Plus Communication Charges)0.60%, Min Rs.250/-(Plus CommunicationCharges)

In case urgent collection of Local cheque of Rs. 0.500 mln and below, additional charges ofRs. 200/- per collection and above Rs 0.500 mln, additional charge of Rs 300/- per collection isto be recovered.Postage / Courier charges are to be recovered on collection / realization of each instrument(whether clean or documentary). However, in case where party has deposited more than 1cheque instrument on particular date to be collected /drawn on the same branch of the bank,postage / courier charges are to be recovered only once.Collecting agent's charges, if the collecting bank is other than the bank, will also be recovered.Communication charges will be recoverd, if fate of the instrument is asked for by telephone.No charges, if branch is situated within a radius of 25 km as it will be treated as a local branchor within catchment area of NIFT if clearing is handled as a local clearing.OBC charges only to be collected where cheques are physically lodged in collection.

Note:

1) Clean (including cheques / dividend warrants/ Bank Drafts/ beyond NIFT/ OBC Centers/ APC etc). Intercity Clearing Charges

0.25%, Min. Rs. 250/- 54201450 1014Max Rs. 10,000/-

B. BILLS

Rs. 300/- (flat) 54203660 1089

d) Mark-up shall be applied as under on bills purchased / negotiated

i) If retired upto 21st day from the date of purchase

54206300 -

54 paisa per Rs.1,000/-per day on actual finance.

-

54 paisa per Rs. 1,000/-per day plus Bank’scommission @10 paisaper Rs. 100/-

ii) If retired during next 210 days

.Where Online system is down, remittance may be sent by other means but Inter Branch OnlineTransactions charges will be recoveredSee Page 12 & 13 for waivers on Business Partner and Business Partner Plus Account.ISB/Rwp, Chenab Nagar (Rabwah)/Chiniot and Khusab/Jahurabad are to be treated as twin cities & all online transactions should be treated as within city.Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.

In addition to the charges above, all applicable Government levies will also be recovered.Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.For Inter Branch Online transaction, OBC charges would not apply.

e) Storage charges 54206300 -i) Free, if cleared within 3days of its receipt by thebranch.ii) Rs. 2/- per packet perday, Min Rs.100/-

c) i) Returning charges for documentary /clean collections from payee account in case the instruments are returned unpaid

Rs. 500/- per transaction

52700430 -

For PKR Account

ii) Returning charges for documentary / clean collections from drawer account in case the instruments are returned unpaid

For FCY Account USD 10/- or equivalentper transaction

Rs. 500/- per transactionFor PKR AccountFor FCY Account USD 10/- or equivalent

per transaction

In addition to above, commission/service charges, courier/postage / fax charges will also be recoveredaccording to prescribed tariff (wherever applicable)

DOMESTIC BANKING

04

Particulars ChargesSCGL

Code

On case to case basis asper agreement with theparty.

C. i) PROJECT FINANCE /ADVANCESFollowing charges may be recovered in additionto interest / markup / return on investment

1) Fee and charges in respect of Project Financinga) Project evaluation / Appraisal fee 54202000 2001

c) Legal documentation fee for Trade Related / Project Finance


57800600 -

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


54202050 2002

d) Trusteeship fee (to be recovered by the lead bank in case of consortium financing)


54202100 2003

e) Restructuring and Re-scheduling fee On case to case basis asper agreement with theparty.

54202150 2004

f ) Restructuring and Re-scheduling fee for SAM related projects


54202150 2006

At Actual2) Evaluation charges of property for security Purpose

54202000 2005

54202200 20073) Non-Refundable Processing Fee for SME / Commercial Advances including Funded and Non-Funded Facilities

Upto Rs. 1 mIn Fresh / enhancement /renewal CA Rs. 5,000/-0.7% of facilities amount,whichever is higher.

Above Rs.1 mIn and upto Rs.100 mln Fresh/ enhancement/renewal CA Rs. 7,500/- or0.05% of facilities amount,whichever is higher.

Above Rs. 100 mln Negotiable with subject to aminimum of Rs. 50,000/-

ii) Outside the above limits 54202250 2010

4) For finance against pledge / hypothecation:

a) Godown Rent At Actual 54202250 2008

b) Godown staff salaries of Godown Keepers / Chowkidar.

54202250 2009

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

54202250 2010

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

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

54202250 2010

Stock Value Upto Rs.1 mlnStock Value Above Rs.1 mln to 5 mlnStock Value Above Rs.5 mln to 10 mlnStock Value Above Rs.10 mln

At Actual

Plus actual conveyancecharges(Max. one visit per month)

T.A. & D.A. as per rules.Applicable to staff only inaddition to charges at ‘‘c (i)’’above

DOMESTIC BANKING

05

Particulars Charges

iii) Seasonal lending (cotton, rice etc.)Stock Value Upto Rs.5 mlnStock Value Above Rs.5 mln

Rs.300/-Rs.500/-Plus T.A. & D.A. as perrules. Applicable to staff only

d) Delivery Charges i) If a Godown Keeper is not posted, conveyance charges will be recoveredii) Directors search / charge search / local credit report / independent stocks verification / independent credit report / assets valuation

At Actual

54202250

e) CIB Report

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

g) Handling charges on marking of lien on Govt. Securitiesh) Marking of lien on securities issued by UBL for other banks

At Actual

Rs.500/- (flat) per customer

Rs.500/- (flat) per customer

57800500

54202300

54202300

Rs.100/- (flat)Rs. 300/- (flat)

5) Other Charges on Advancesa) For the Issuance of NOC on the request of customers for creating additional/ pari-passu charge/second charge on their fixed assets for acquiring further project finance, finances from other banks/financial institutions.

Rs.10,000/- (flat) pertransaction

57800500

iii) Rs.3,000/- for all NonFarm limits (Fresh /Renewals / Enhancements)

ii) Rs.2,000/- for FreshFarm /Enhancements oflimits exceeding Rs.1 mln


b) For the Issuance of NOC on the request of customers for creating charge on their current assets.

Rs.10,000/- (flat) pertransaction

57800500

6-a) Redemption of charge fee to be recovered from the party when bank officers are called before Registrar for redemption for the mortgage.

Rs.2,500/- (flat) perproperty

57800500

b) Vacation of Charges Rs.1,000/- per property 578005007-a) Registration with SECP & Lawyer's charges for both Private & Public limited companies where charge on current or fixed assets is registered

Actual plus Rs. 1,000/- percase

57800500

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

Actual plus Rs. 1,000/- percase

57800500

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

i) Rs.1,000/- for FreshFarm Loans/Enhancementsof limits up to Rs.1 mln

54202200

SCGLCode

54202250

57800700

2022 (Form Credit / Loan), 2023 (Non Form Credit / Loan)

i) For Individualii) For Corporate Entities

2010

2013

2014

2015

2016

2017

2018

20192020

2021

20222033

2011

2012

At Actual

DOMESTIC BANKING

06

Particulars Charges

C. ii) UBL BUSINESSLINE

542022001) Processing Charges

5) Late Payment Charges 2% on outstanding principal,if not specified.

6) Property Insurance As specified in the loandocuments, or actual (maxof 3%) if not specified

54205500

09) Refund via cashier’s cheque (CC) Regular CC charge as perpage no. 2, Item No. 1 (a)will apply for all consumerrefunds.

54200100

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

54202200

7) Life Insurance Optional. As per the ratequoted by the InsuranceCompany.

08) Default due to lack of funds on standing instructions

As per the loan documents,or Rs. 2,000/- if notspecified

54208050

Note:These Charges are quoted by the vendor & are subject to change.In addition to above, commission/service charges courier/postage / fax charges will also berecovered according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.In addition to the charges above, all applicable Govt. levies will also be recovered includingSales Tax/ FED

SCGLCode

As per the loan documents,or Rs. 5,000/-(non-refundable),if not specifiedAs per the loan documents,or Rs. 4,000/- (non-refundable),if not specified

542020002) Appraisal Charges

3) Legal Charges As per the loan documents,or Rs. 4,000/- (non-refundable),if not specified

57800600

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

542056004) Income Estimation Charges

3006

3009

-

3008

-

-

3007

-

-

-54302200

5) Withdrawal fee on Govt. Securities Rs.10/- per scrip, Min. Rs.75/- 54208050 -

6) Charges for collection of interest / return / dividend 0.30% on amount of interest/return dividend collected/paid Min Rs.20/- plus out ofpocket expenses Rs. 8,000/-

54208050 -

D ). SALE AND PURCHASE OF SECURITIES, SAFE CUSTODY ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS

2) Sale / purchase of shares and securities

Free - A/c CreditSame as Cashier's Cheque(Ref page No.1,( 1-a )

54202750 -1) Refund to unsuccessful applicants for IPOsa) For A/c holderb) For non A/c holder

3) Shares / securities held in safe custody (to be recovered on quarterly basis)

Rs. 500/- flat per transactionRs. 850/- flat

5420805054208050

--

0.25% upto Rs.10,000/-ofthe paid-up or face valueMin Rs.50/- and 0.125 % onamount exceedingRs.10,000/- Min Rs.100/-

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

54208050 -

54302200

DOMESTIC BANKING

CodeParticulars Charges

07

No NIFT charges if MICRcodes are on the DividendWarrant otherwise Rs.10/-each

13) Lockers

12) Articles in safe deposit - Envelopes 54208050 -

8) NIFT charges on the Dividend Warrant7) Stop payment Charges per Dividend Warrant Rs.150/- flat 54208050 -

Commission @ 1.0% oftotal amount of successfulapplications plus out ofpocket expenses, Min.Rs.25,000/- (subject tonegotiation of rate basedon volume of business)

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

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

11) Issue of Right shares

Rs.20/- per scrip 54208050

54208050

-

-

54208050 -Commission @ 0.50% onaggregate amount ofsuccessful applications,plus out of pocket expenses,Min. Rs.20,000/- (subject tonegotiation of rate based onvolume of business)

SCGL

i) Boxes & Packages Rs. 5/- flat per 100 cubic inches orany part thereof with aminimum of Rs. 400/- perquarter.ii) Envelopes Rs. 3/- flat per25 square inches or any partthereof with a minimum ofRs. 400/- per quarter.

b) Late payment charges (plus over due yearly rent)

*Late payment charges will be recovered onceannually after rent is overdue for more than30 daysc) Breaking Charges

10%* of the applicableannual locker rent every year

Rs 3,500/- (flat) per Lockeror at actual, whichever ishigher

54205500

54208050 1020

1019

54208050

54202850

-

1017

Safe deposit lockers fee to be recovered in advance at the commencementof the period

3,000/- 3,500/- 4,000/- 5,000/-

a)Annual feeKey Deposit (One time only)

Small2,500/- 3,500/- 5,500/- 7,500/-

Medium Large Extra Large

14) Investor Portfolio Securities (IPS) Account - Domestic Clients

a) Custodial Chargesb) Transaction Charges (Sale & Purchase)c) Security Movement/Transfer Charges

FreeFreeFree

54202600 -

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

p.a. per issueAbove Rs.100/- mln 0.025%p.a. per issue

54202600 -

b) Primary Market Participation Fee

c) IPS Statement

d) Security Movement/Transfer Charges

5 bps per transaction

Quarterly FreeOn Demand Rs. 100/- perstatement


54202600 -

54202600 -

54202600

54202600 -

-

d) IPS Statement Quarterly Free On DemandRs. 100/- per statement

Note:

DOMESTIC BANKING

Particulars Charges

08

E. GUARANTEES1) Guarantee issued to shipping companies in lieu of Bills of Lading / Endorsement of Airway Bills

2) Guarantees secured by cash margin / lien over deposits

3) Consortium / Syndicate Guarantees

Rs.1,500/- (flat) 54203000

31501020

54203150

SGT

MO2 /MO3

-

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

As per Term Sheetapplicable for the entireSyndicate members

5) a) Back to Back guarantees including issued against counter guarantee of Foreign correspondent bank and Performance Bonds, Bid Bonds, Advance Payment Guarantees, etc.

As per Other Guarantees,Clause 4, above(commission subjectnegotiations with clientsand correspondentarrangements)Min USD 100

54203150 BGC

6) Amendment 54203150 BGCRs.1,200/- per amendment(flat) or commission at ratespecified above if amendmentinvolves increase in amountor extension in period. Incaseof back to back Guarantee:USD 75 or commission at ratesspecified under item 5 (a) and(b) above, if amendmentinvolves increase in amountor extension in period.

4) Other Guarantees Where total volume of guarantees being issued on behalf of customer during a calendar year is:

(a) Upto Rs.25 mln

(b) Rs.50 mln

(c) Rs.100 mln

(d) Over Rs.100 mln

(Quarter will start from thedate of issuance ofGuarantee)

0.50% per quarter or partthereof



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

b) Counter Guarantee issued by us for guarantee issuance abroad

54203150 BGCAs per Other Guarantees,Clause 4, above (commissionsubject to negotiations withclients and correspondentarrangements) Min. 100USD

SCGLCode

54203150 BGC


7) Service charges for handling claims lodged by beneficiary

a) Guarantees issued at customer's request within Pakistanb) Guarantees issued at request of foreign banks / back to backc) Guarantees issued by banks abroad at our request

Rs 1,800/- (flat)

USD 120 (flat) or equivalent

USD 120 (flat) or equivalent

54203150 BGC

DOMESTIC BANKING

09

Particulars Charges

F. LOCAL TRADE BUSINESS1) Local Imports LC a) Inland Letters of Credit issuance

b) Inland LC Amendment charges

Upto 0.4% per quarter orpart thereof Min Rs. 2,200/-

54206000

54206050

LOC

AMCRs.1,500/- (flat) pertransaction plus commissionas per item a) above ifincrease in amount.

SCGLCode

-

-

57800400 SWF i) LC Issuance

Min. Rs.1,000/- or actualwhichever is higher

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

ii) Amendment Issuance

Rs.350/- per duplicateadvice

54206100 LCN

d) Duplicate Advices 57800500

54206850

f) Inland LC Cancelation Charges

2) Local Import Bills a) Sight Bills

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

Rs. 1,500/- (flat) per bill 54206750 HDC

ii) Retirement of Bills60 paisa per Rs.1,000/- perday from the date ofnegotiation Plus Bankcommission @ 0.25%on the PAD amount(net of margin) created

• If retired within 3 days from the date of lodgment in PAD

54206850 XCB

b) Usance Bills

i) Collection Charges 0.40% per bill Min. Rs.1,500/- 54206400 RT1

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

65 paisa per Rs. 1,000/-per day from the date ofnegotiation plus Bank’scommission @ 0.25% onthe PAD amount created

54206300 LECii) If bill matures after expiry of LC Charges under b) i) plusdelivery of documentsagainst acceptancecommission @ 0.10% permonth on bill amountrealization from the date ofexpiry of LC

e) Handling of Inland LC Documents with discrepancies

54206850 DEC

d) Inland LC Documents Returned Unpaid HDC54207650Rs. 3,000/- (flat) plus swiftcharge Rs. 1,000/- flat &Communication charges

Rs. 3,000/- (flat) plus swiftcharge Rs. 1,000/- flat& Communication charges

Payment commission;Rs.600/- (flat)

c) Payment of Bill drawn under Inland LC 54201000 POC

Rs.2,000/- plus swiftcharges Rs.1,000/- flat &communication charges

e) Sales Tax/ FED invoice certificate Rs.1,000/- per certificate

c) Swift Charges

f) Issuance of Business Performance Certificate of Previous Years at the Customer’s Request

Rs.3,000/- (flat) percertificate

-54206850

Note:The Bank reserves the right to charge different rates on the basis of volume and security offeredsubject to prior approval by concerned sanctioning authority.In addition to above, commission/service charges, courier/postage / fax charges will also berecovered according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head /Divisional Head.In addition to the charges above, all applicable Government levies will also be recovered.

DOMESTIC BANKING

10

i) Above, mark-down for every 15 days from the date of purchase till the date of maturityii) If discounted later on, marked down rate to be obtained from treasury through business

Particulars Charges

As per FIG arrangementiv) Inland LC Confirmation charges0.40%, Min Rs 1,000/-b) Collection of Documentary Bills drawn

under inland

Rs. 250/- per duplicateadvise

d) Duplicate Advices

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

Rs. 500/- (flat) per bill willbe charged by theforwarding branchRs. 150/-

ii) Collection charges for inland LC / restricted LCiii) If negotiation is restricted to some other bank

iv) Postage/Courier Charges for LCs & Amendments Advising

57800200 COU/CO1

c) Documentary bills drawn against Inland Letter of Credit Sight bills

i) Negotiating End 52600330 EMUCommission @ 0.50% MinRs. 1,000/- Plus markup asper DAC or approved byGroup / Business Headfrom date of Negotiation tillrealization. (Regular Billperiod / tenor may bedefined 07 days or 12 dayswhichever agreed by allstakeholders)

0.90%, Min Rs 1,000/-

SCGLCode

Rs. 1,000/- per certificatee) Sales Tax/ FED Invoice Certificatef) Negotiation of documents drawn under Inland sight Letter of Credit. If proceeds not realized / credited to our customer's account within agreed period ( i.e. 7 days / 12 days) then overdue mark-up is applicable to customer

52600330 EMUIf Realized after agreedperiod / tenor as mentionedabove then overdueMarkup @60 ps per Rs.1,000/- per day to becharged or as per DAC(if mentioned) or approvedby concerned Group/Business Head.

j) Export LC Cancellation 54206450 CANRs.1,500/- plus swift chargeRs. 1,000/- flat &communication charges

54206850 SCH

54201200 -

54201200 -

54201200 -

54206850 -

54206850 -

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

0.10%, Min Rs. 500/-Mark up Rate @60 paisasper Rs. 1000/- per day tobe charged

a) In Land Export LC Advising3

54206550 ELC

Rs.1,200/- (flat)Rs.800/- (flat)Rs.150/- (flat)

i) LC Advisingii) LC Amendment Advisingiii) Postage/Courier Charges for LC & Amendment Advising

54201100 ADC

5780020054206500 ADA

COU

4 ) Clean Bill services/document handling charges5 ) Clean Bill delayed realization

g) Documentary collection (drawn against LC) 0.4% Min Rs. 500/- Pluscommunication charges

h) Documentary collection other than those drawn against LC)

0.4% Min Rs. 500/- Pluscommunication chargesMark-up rate@ 60 paisaper Rs. 1,000/- per day to becharged

i) Negotiation (Usance) (Delayed Realization) If payment of inland/local bills realized within 03 days, no mark-up to be charged. Incase proceeds not realized/credited to our customer A/c within 03 days from the date of the maturity till its adjustment than mark-up is applicable to our customer's NICF facility or as per special approval by the competent authority In case of no NICF facility is available to the than mark-up will be charged

52600330 EMU

54206600 -

54206600 -

Rs. 10/- per leaf (flat)Rs. 7/- per leaf (flat)

DOMESTIC BANKING

11

Particulars Charges

9) a) Cost of Issuance of all Currency Cheque Booksi) MICR

ii) NON - MICR Rs. 15/- per leaf

54203750

54203750

1003

1079

Note:UBL First Minor Account Cheque Book (25Leaves) is Free and subsequent ones will becharged

G. Miscellaneous1) a) Delivery of Statement of account (Mandatory) Free

Rs. 35/- per statement(Charges are inclusiveof Sales Tax/FED)

54203500 1005b) Duplicate/On-Demand Statement of Account- -

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

8) Charges for cheque return unpaid PKR 400/-USD 5/-GBP 3/-EUR 4/-AED 20/-SAR 20/-

54203700 1032/1033

The Bank reserves the right to change different rates on the basis of volume and security offeredsubject to prior approval by concerned sanctioning authorityIn addition to above, commission/service charges, courier/postage / fax charges will also berecovered according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.In addition to the charges above, all applicable government levies will also be recovered

10) Minimum Balance/Service charges where the amount of deposits are below the required balance

54203800 -

Rs.500/- per cheque 54203550 1026

3) 3rd Party Funds Transfer through Pakistan Real Time Interbank Settlement Mechanism (PRISM/ RTGS) System

2) Issuance of SBP/ NBP cheques / Special Clearing

- -

4) Handling charges for issuance of Student Exchange Remittance permit and maintenance of record for subsequent remittances

Rs. 300/- per case 54203600 -

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

Rs. 300/- per certificate 54203500 1027

6) Charges for same day collection/clearing cheque greater than Rs. 500 k through NIFT

Rs. 500/- (flat) per instrument 54203650 1030

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

54202650 10047) Stop payment charges of Cheque /TT/RTC/ PO/DD

USD 10/- per instruction*GBP 6/- per instruction*EURO 7/- per instruction*AED 35/- per instruction*SAR 35/- per instruction*

*one instruction may include advice for series/multiple instructions

b)Cost of issuance of customized cheque books

Rs. 220/-Per Transaction Charges (PKR)

Rs. 330/-Rs. 550/-Rs. 220/-Rs. 330/-

Transaction Time WindowsDays

Monday to Friday

Saturday

9:00 am to 1:30 pm1:30 pm to 3:00 pm3:00 pm to 4:00 pm

9:00 am to 11:30 am11:30 am to 12:30 pm

Charges as in 9(a) above +actual cost of cheque book

1001

1002

SAR 2,000/-20/-

Business Partner

USD

LCY Current A/c

EUROAEDGBP

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

10,000/-25,000/-

500/-400/-

2,000/-300/-

*Charges per Month

Business Partner Plus

5/-4/-

20/-3/-

FCY CASA & FCY Uniflex

Monthly Average Balance

For PLS AccountsFor All other Accounts

Note:

DOMESTIC BANKING

Particulars Charges

12

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

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

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

Rs.75/- per account fromremitting organization’s mainaccount under agreement permonth where salary /pension is credited.Min. Rs. 75/- per transaction(or as per contractual terms)

54203850

54208620 1081

1034

13)

*1 locker free (any size) for 1st year, subject to availability in the branch where account resides. Waiver to be reviewed by Branch Manager at the end of each banking cycle.

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

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

Waiver (see note below)Issuance of MTIssuance of CC/CBCCancellation of PO/CC/CBC/DD or MTDuplicate CC/CBCDebit / ATM Card Annual FeeClean Bills for Collection/Intercity Clearing

Issuance of Cheque BooksCheque Return Unpaid from Payee AccountOnline IBTS Transactions-Country WideLocker RentIssuance of Rupee Travelers Cheque(Annual average balance can be used for seasonal accounts)

Free*Free

Free

Free

55

5

5

55

1 Cheque Book of 50 leaves Free

* Exemption to :

12) Photocopy of a paid cheque returned to customer

Within 1 yearAbove 1 year

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

Charges perCheque} 54203900 1036

i)ii)iii)

iv)v)vi)vii)viii)ix)

x)xi)xii)xiii)

xiv)xv)

SCGLCode

54203900 1037-1038

Note:Waiver per month applicable on average monthly balance when the request is made.This grid is applicable on Current Account /Business Partner balance of Rs. 250 K & aboveabove, on case to case on Branch Manager's discretion.First time collection charges free for Business Partners customers having balance of Rs. 250 Kand above (after proceeds from collection are realized).Minimum Balance /Services charge as per point No.10 above will be levied for nonmaintenance of balance.

StudentsMustahiqueen of ZakatEmployees of Govt/Semi-Govt institutions for salary and pension purpose, including widows /children of deceased employees eligible for family pension / benevolent fund grant etc.UBL Basic Banking Account (UBL BBA) holders.Accounts related with Zakat Collection & DisbursementUnclaimed deposits after maturity of ten years.Earthquake affected areas (BPRD Letter No. 28 of October 10, 2008)All UBL Staff Accounts wherein salary are Credited.All singly operated accounts of retired staff of the bank wherein pension, benevolent grant,medical bills reimbursed.Dormant AccountsUBL First Minor Saving AccountsSchool Management Committee Account (Only for Sindh - BPRD Circular No. 02 of Jan 25,2010)UBL E-Transaction Accounts for OMNI Agents.UBL Wiz CardsAll regular PLS Saving Accounts

Note:

DOMESTIC BANKING

13

Note: For Business Partner Plus monthly average balance is Rs.25 K. Minimum Balance/Services charge as per point No.10 above will be levied for non maintenance of balance.

Particulars Charges

14)

Transaction limit charges are applicable on any withdrawal above the threshold ofthree debit transactions in one calendar month (No charges on credit transaction)

23) Transactional Charges on UBL UniFlex PLS A/c & UBL FCY UniFlex A/c 1357

54204500 -Rs. 250/- per verification24) Charges for verification of account balance to third party based on customer's consent (Exemption for: Students applying for visa to proceed for Foreign Education)

Debit / ATM Card Annual Fee

Cheque Book

Services

Issuance of Cashiers Cheque/CBC

Over the Counter Cash Deposit

Clean Bill For Collection/Intercity Clearing

Cancellation of CC /CBCCheque Returned Unpaid From Payee's Account

Duplicate Cashier’s Cheque/ CBCDuplicate Account StatementIssuance of RTC

FreeFreeFreeFree

FreeFreeFree

FreeFreeFree

WavierInter Branch Online Transactions-Country Wide Free

BUSINESS PARTNER PLUS

Rs.1,200/- payable by Agentsplus Rs.500/- service charges

15) Charges on Encashment / Collection of profit coupons for certificates issued by other banks

Rs.300/- per trip 54208050

Rs. 150/- per certificate 5420450022) Statement of Profit Earned & WHT / Zakat Deduction

Maximum of two depositsand two withdrawaltransactions (cash or clearing)per month are allowed free ofcharge on UBL BBA accountholders. However, anytransactions (cash & clearing)in a calendar month afterthose mentioned above willbe charged a flat fee ofRs.50/- in addition to regularcharges for services as perSOC.

b) Foreign Report

c) If requested by Banks/DFIs.

18) Emigration Certificate19) Proprietorship Certificate20) No Objection Certificate (NOC)

Rs.150/- per certificateRs.150/- per certificateRs.150/- per certificate

5420410054204100

Actual Foreign Agentscharges equivalent in Pak.Rupees Plus Rs. 600/-service chargesFree

17) Standing instructions fee to be recovered in addition to the usual charges on remittance, if any

Rs.200/-per attempt 54204050

54204100

16) Credit information report including credit report on Foreign Supplier / Buyers

a) Within City Report

21) UBL Basic Banking Account Transaction Charges

54204150

Note:Electronic Banking / Cash Management UBL provides Electronic Banking & Cash ManagementServices. Fees and other charges to be recovered on a case to case basis.In addition to above, commission/service charges, courier/postage / fax charges will also berecovered according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.In addition to the charges above, all applicable Government levies will also be recovered.

-

1042

1040

1064 -1075

SCGLCode

UBL Go Green SMS Alert Free

54208050

-

-

-

- -

104010401041-1941

54201450

Rupees per transactionUBL UniFlex PLS A/c

USD A/cEURO A/cAED A/cGBP A/c

ParticularsRs.100/-

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

UBL FCY UniFlex A/c:

BLANK

14

UBL SIGNATURE - PRIORITY BANKING

PRIORITY BANKING

15

Particulars Charges

16

1) Issuance of Cashier's Cheque2) DD / MT / PO / Cashier's Cheque Cancellation Charges3) Inter Branch Online Transactions - IBTS

FreeFree

A. UBL Signature — Priority BankingSCGL

Code

- -- -

5) Stop payment of cheque drawn6) Lockers Annual Fee & Key Deposit

FreeFree

7) Consumer Products Application Processing Charges

Free

- -- -

- -

a) Cash/Cheque Deposit & Account to Account Transfer

i) Within Cityii) Intercity

FreeFree

- -- -

UBL SIGNATURE - PRIORITY BANKING

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

Note:Two complimentary visits per annum for Prioritypass card holder. Additional visits will be chargedat USD 35/- per visit. Guests accompanying thecard holder will be charged at USD 35/-

b) Cash Withdrawali) Within Cityii) Intercity

FreeFree

4) Bills Collection a) Clean (including cheques / dividend warrants / Bank Drafts/ beyond NIFT/ OBC Centers /APC etc). b) Intercity Clearing Charges

Free

- -- -

- -

Free

15) Shapes Health Club Usage ChargesExtra visits will be charged@ Rs.1,000/-, per visit percustomer

a) Basic Member, 12 visits per month - Free

b) Any /All /combined Supplementary Card Holders, 4 visits per month - Free

Extra visits will be charged@ Rs.1,000/-, per visit percustomer

54204300 1305

* Shapes Health Club alliance locations may change from time to time

11) Issuance of all Currency Cheque Books12) Charges for Cheque return unpaid

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

13) Net Banking Charges

FreeFree

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

1303 -1304

54204300

- -- -

- -

10) Stop payment charges for DD / RTC / Cashier's Cheque

Free - -

a) Membership/Annual Fee b) Airport Lounge Visit Fee

9) Signature Priority Pass FeeFreeUSD 35/- per visit

8) a) Signature Debit Master Card(with basic ATM withdrawal insurancecoverage)

b) Value added ATM withdrawal insurance coverage (optional)

Free

Rs. 1,000/- per annum

- -

- -064074 -

BANK CHARGES FOR GOVERNMENT BUSINESS

17

BANK CHARGES FORGOVERNMENT BUSINESS

BANK CHARGES FOR GOVERNMENT BUSINESS

18

1) Cash / reimbursable loans / barters expressed in U.S. Dollar or any other foreign currency including L/Cs under A.C.U. / arrangement Less than

Rs.250,000/- and above

A. IMPORT

Particulars Charges

1/16% (0.0625%) of thevalue of the Letter of Credit.3/8% (0.375%) irrespectiveof the value of the Letter ofCredit.

-54206000

54206000 -2) Non-reimbursable Letters of Credit under barter / aid / loans / authorization to pay

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

SCGLCode

Note:The Bank reserves the right to charge different rates on the basis of volume and security offeredsubject to prior approval by concerned sanctioning authority. As per clarification given by the SBPForeign Exchange Department 6734/ FEP.9 (126-242)-95 dated 19-12-95 it is advised that in thecase of letter of credit or for that matter "Authorization to pay" opened by the Department of theFederal or Provincial Governments whether routed through State Bank of Pakistan or not Lettersof Credit commission is to be charged at the rates given in Para 37

Chapter XIII of Foreign Exchange manual (8th Edition-2002). However for Letters of Credit"Authorization to pay" opened by other public sector agencies in Federal/Provincial Governmentincluding autonomous, semi autonomous bodies e.g., K.E.S.C. Limited, WAPDA, PTCL, etc., thecommission is to be charged from the openers by the banks as per their own schedule of charges.

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

BRANCHLESS & E-BANKING

19



20

Note: All mentioned amounts in PKR, Fee are inclusive of all Taxes.

BRANCHLESS & E- BANKING

Slab End

UBL Omni Money Transfer(over the counter) *

1,0002,5004,0006,0008,000

10,00013,00015,000

SlabStart

1

2,5014,0016,0018,001

10,001

1,001

13,001

CustomerFee (Rs.)

60/-120/-180-240/-300/-350/-400/-450/-

InsurancePremium (Rs)

5/-5/-

10/-15/-20/-25/-30/-35/-

* Insurance is optional for OTC consumers

Cash Deposit(outside account opening area)

Slab Start1

1,0012,5014,0016,0018,00110,00113,00115,00120,001

Slab End1,0002,5004,0006,0008,00010,00013,00015,00020,00025,000+

Customer Fee (Rs.)51/-102/-153/-204/-255/-298/-340/-383/-434/-485/-

Slab Start1

1,0012,5014,0016,0018,00110,00113,00115,00120,001

Slab End1,0002,5004,0006,0008,00010,00013,00015,00020,00025,000

Customer Fee (Rs.)54/-108/-162/-216/-270/-315/-360/-405/-459/-513/-

UBL Omni Money Transfer Account to Person (Agent Assisted)

Service Fee at UBL Omni DukaanUtility Bill PaymentMobile Top upCash Deposit

FreeFree

Free(Within A/c opening area)

Cash WithdrawalSlab Start Slab End Customer Fee (Rs.)

110012,5014,0016,0018,001

10,00113,00115,00120,001

10002,5004,0006,0008,000

10,00013,00015,00020,00025,000

15/-30/-56/-76/-96/-116/-132/-149/-168/-188/-

Account Opening at UBL OmniDukaanInitial Deposit requirementAverage Minimum Balancerequirement per Month

Fee For Account HoldersFree

Rs. 100/-

Rs. 15/-

Rs. 100/-

Minimum Balance charges perMonth

* Insurance is optional and free for Omni account holders.

Particulars Charges

Omni Semi Annual

Omni Monthly Rs. 150/-

Rs. 500/-

Package SubscriptionPackage Type Customer Fee (Rs.)

30

180

Validity (In Days)1. UBL Omni A/c to Omni A/c Fund Transfer.2. View Bill.

3. Balance Inquiry.

Free Transaction

Money Transfer From Omni Account (SMS & Omni Mobile App)*

20,00015,00013,000

8,000

Slab Start Slab EndA/c to Person Transfer UBL Omni A/c

to A/c TransferCustomer Fee (Rs.) Customer Fee (Rs.)

11,0012,5014,0016,0018,00110,00113,00115,001

1,0002,5004,0006,000

10,000

42/-84/-

126/-168/-210/-245/-280/-315/-360/-

20,001 25,000+ 405/-

51/-102/-153/-204/-255/-298/-340/-383/-434/-485/-


21

N/A

Non Financial Transaction and other Services

Transaction TypeBalance EnquiryView BillAccount Number Enquiry

Customer Fee (Rs.)

Bill Nick AdditionPayee nick additionDeletion of Bill NickDeletion of Payee NickHelpDisplaying of last transactionsListing of bill NicksListing of payee Nicks

Omni Mobile App

N/A

5/-

FreeFreeFreeFreeFreeFreeFreeFree

5/-

SMS5/-

FreeFreeFreeFreeFreeFreeFreeFreeFree

Transaction TypeCustomer Fee (Rs.)

Omni Mobile App

Other Financial Transactions

Bill PaymentsVoucher PurchaseMobile Top UpLoading amount from linked UBL accountUnloading amount to linked UBL account

FreeFreeFreeFreeFree

SMSFreeFreeFreeFreeFree

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

UBL Omni ATMDebit Card

UBL Omni ATM Debit CardCard Name Issuance/Replacement Fee (Non Refundable)

250/-

Daily Withdrawal Limit**

40,000/-

Particulars Charges

22

GLCode

Particulars Charges CRC


A.UBL Netbanking

Monthly Service Charges Rs. 50/- (Sales Tax/FED Included) when averagebalance is below Rs. 10,000/-

Transaction FeeDoor step cheque through Netbanking Rs. 150/- per transaction

(Sales Tax/ FED Included)

Inter-Bank Fund Transfer Rs. 150/- per transaction

UBL Netbanking

Monthly Debit Limit Monthly Subscription Fee

Bronze Upto Rs. 5,000/- Rs. 25/-Rs. 45/-Rs. 75/-Rs. 150/-

Upto Rs. 50,000/-Upto Rs. 100,000/-Upto Rs. 500,000/-

SilverGoldPlatinum

Basic Free (View only) Rs.0/-Package Name

Premium Upto Rs. 1,000,000/- Rs. 300/-

54204400 ECM004

54200200 ECM004

B. UBL E-Transaction AccountNetbanking monthly subscription fee is waived on E-Transaction A/c subject to maintenanceof required balance;

Rs. 75/-

Free

Free

Free

Rs. 150/-

Rs. 75/-

Free

Free

Less than 15,000

15,000 - 29,999

30,000 – 49,999

50,000 and Above

3 Months Average Balance PremiumBronze Silver Gold Platinum

Rs. 25/-

Free

Free

Free

Rs. 45/-

Free

Free

Free

Rs. 300/-

Rs. 300/-

Rs. 150/-

Free

54203800 ECM004

54208050 ECM004Initial Deposit Cheque Only

International Cheque Clearing Charges(OFBC etc.)

C. UBL NRP Direct Accounts

0.6% of the initial depositor USD 16 whichever islower

0.6% of the initial depositor USD 7 whichever ishigher

ECM00454203800

D. UBL Click N Bank (eNRP) Accounts Monthly Service Charges

International Mailing Charges

Monthly Service ChargesWhen Monthly Average balance isbelow Rs. 50,000

Rs. 50/- (Sales Tax/FEDIncluded)

Rs.50/- (Sales Tax/FEDincluded)USD 5/-

When monthly Average balancea. PKR A/c is below Rs. 30,000/-

b. USD A/c is below USD 500/-

Rs. 2,500/-

54207550

57800200 ECM004

ECM004

International Mailing Charges Rs. 2,500/-

54203800

57800200 ECM004

ECM004

Note:In addition to above, commission/service charges, courier/postage / fax charges will also be recoveredaccording to prescribed tariff (wherever applicable)In addition to the charges above, all applicable Government levies will also be recovered.

CONSUMER BANKING

23

CONSUMER BANKING

CONSUMER BANKING

24

Rs. 1,000/- per annum -

Rs.100/-(Free for UBL Wiz InternetCard & ACCA Card)

Particulars Charges

A. ATM / DEBIT CARD1) General Debit / Prepaid Card Charges

FreeFree

c) Wiz Refund Charge 54204950 -

Re-Load Fee ii) Value added ATM withdrawal insurance

Rs. 100/-

b)i) From Branchii) From UBL ATM (From Wiz Card to Wiz Card & From A/c to Wiz Card)iii) From UBL Net banking (From A/c to Wiz Card)

Rs.15/-Rs.15/-

a) Switch Transaction FeeWithdrawals on 1 Link ATMs other than UBLWithdrawals on other Switches

i)ii)

Free

c) Balance InquiryRs. 5/- per transactionRs. 100/- per transaction

Within Pakistan from Non 1 Link ATMsFrom Outside Pakistan

Freed) Internet Usage

Activation ChargesPer Session Charges 54204420 1085

For Local - Incase of Low Balance andExcess Over LimitFor International - Incase of Low Balanceand Excess Over Limit

Rs. 5/-

Rs. 35/-

e) Charge on Declined POS Transaction

f) Funds Transfer through ATM Within UBL Rs. 50/- pertransaction.Outside UBL Rs. 100/- pertransaction.

3.5% of transaction amount

3% of transaction amountb) International Usage Charges

ATM Withdrawal

POS & Internet Purchase

i)

ii)

i)ii)

i)ii)

i)

ii)

Note:No joining fee. Annual fee to be recovered in advance. No refund on account closureIn addition to above, commission/service charges, courier/postage /fax charges will also be recoveredaccording to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval from relevant Business Head / Divisional Head.In addition to the charges above, all applicable Government levies will also be recovered.

SCGLCode

Free

54204950 -i) Free on deposit ofRs. 10,000/- & aboveii) Rs. 150/- for deposit ofless than Rs.10,000/-

b)

Rs. 300/- per card


54204750 1046c)

Value added ATM withdrawal insurancecoverage (optional)Card Replacement Fee (upon request)

3) UBL Wiz Prepaid Visa Debit Cardsa) i) Card Issuance (One time fee) (with basic ATM withdrawal insurance coverage)

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

(with basic ATM Withdrawal Insurance Coverage)

a) Annual ChargesSupplementary

300/-Free

Basic500/-Free

UBL MegaWallet Card/Proprietary CardUBL First Pocket Money Card

Card Type

54204800 106754204830 1068

54204850 1051

54204850 1052

54204830 1071

- -

54204410 1083-1084

54204750 1044-1046

- -

- -

-

----

--

a) Purchase in Currency other than USD and PKRb) Purchase in USD and PKR

54200230 1149

1049

CONSUMER BANKING

Particulars Charges

25


Rs. 500/-Rs. 300/-

i) Basicii) Supplementary

b) Value added ATM withdrawal insurance coverage (optional)

1059

c) Card Replacement Fee (upon request) Rs. 300/- per card

4) UBL Premium Debit Master Carda) Annual Fee

(with basic ATM withdrawal insurance coverage)

Value added ATM withdrawal insurance(optional)

5) UBL Pardes Cardsa) i) Card Issuance (with basic ATM withdrawal insurance coverage)

Re-Load

c) Balance InquiryWithin Pakistan from non 1 Link ATMs

d) Cancellation / Card Replacement Charge (upon request)

Free


Free

Rs. 5/-Rs. 100/-

ii)

iii)

i)

Rs. 15/-Rs. 15/-

b) Switch Transaction Fee Withdrawals on 1 Link ATMs other than UBL Withdrawals on other switches

C. UBL DRIVE (CAR FINANCING)

a) SMS Alert Chargesi) Basic Service

ii) Premium Service

54204570 -

B. UBL GO GREEN

Monthly Charges of Rs.100/-*(For first 150 SMS)Re. 0.5 per SMS thereafter

4) Late Payment Charges 54205500 3016

3) Pre - Payment Charges (Full Payoff) As per the loan documents,or 8% of principal outstandingif not specified

-54205550

2) Vehicle Evaluation Charges* As per the loan documents,or Rs. 5,000/- if not specified

-

As per the loan documents,or Rs. 6,000/- (non-Refundable)if not specified

-1) Application Processing Charges

6) Repossessed Vehicle Evaluation Charges* Rs. 2,500/-

*Mandatory monthly deduction irrespective of number of SMS

Freeb) E-Statement i) Statement of Account through E-mail

i) Membership Fee

ii) Merchant Setup Fee (one time)iii) Discount Rateiv) Refund/Charge Back Processing

c) Internet Merchant AcquiringRs. 50,000/- per merchantper annumRs. 40,000/-3.50% per transaction0.78% per transaction

-


5) Vehicle Re-Possession Charges* Actual incurred by thebank up to a maximum ofRs. 50,000/-

As per the loan document,or Rs. 1,000/- if notspecified

SCGLCode

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

54204750

106054204750- -

54204750 1061

- -

54204750 -

- -

54204750 -54204750 -54204750 -

54204950 -

54204570 -

- -

54205500 -

54205500 -

54202200

-

54302350 -

54302350

54302400 -54300150 -54302650 -

Note:

Note:*These charges are quoted by the vendor & are subject to change.

CONSUMER BANKING

26

Particulars Charges

7) Monthly Warehouse Charges -57800800

8) Auction Charges Rs. 5,000/- -57800800

As per the loan documents,or Rs. 5,000/- per vehicle,if not specified

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

SCGLCode

-

9) Insurance Charges* As per the rate quoted bythe Insurance Company

10) Re-issuance of NOC Upto Rs. 1,000/- -

57800800 3018

E. UBL MONEY1) Pre-payment Penalty

2) Late Payment Charges

3) Partial Payoff Option Fee

54205550 -

54205550

54205550

3016

-

As per the loan documents,or Rs,1,000/- per installmentif not specifiedAs per the loan documents,or 5% of the amount beingprincipal if not specified

As per the loan documents,or 8% of remainingoutstanding principalamount if not specified

3) Partial Payoff Fee As per the loan documents,or 5 % of the amount beingreduced from outstandingprincipal if not specified

54202200 -

4) Late Payment Charges 54205500 -As per the loan documents,or Rs. 1,000/- per installmentif not specified

As per the loan documents,or 5 % of the remainingoutstanding amount if notspecified

2) Pre-payment Penalty 54202200 -

Upto Rs. 3,000/- 54202200 30191) Processing FeeD. ii) UBL CASH PLUS

Monthly charges of Rs.50/-* (for first 50 SMS)Rs.1 per SMS thereafter

2) Annual Charges (Renewal fee) As per the loan documents,or Rs. 2,000/- if not specified

54202200 3002

As per the loan documents,or Rs. 1,000/-or 10% whichever is higher, if not specified

5) Insurance Charges (Credit Protector)

6) SMS Alert Fee

0.2% of total monthlyprinciple outstanding

3004

54202200 -

4) Late Payment Fee 54202200 3003

Rs. 1,000/- per annum3) Value added ATM Withdrawal Insurance Coverage (optional)

54202200 -

54202200

As per the loan documents,or Salaried Rs. 3,000/- &SEB/ SEP Rs. 4,000/- if notspecified

D. i) UBL CASHLINE1) Processing Fee 54202200 3001/

3023/3024/3025

Rs. 2,000/-7) Limit Enhancement Fee 54202200 3029

Monthly charges of Rs.100/-* (for first 150 SMS)Rs.0.50 per SMSthereafter

8) Debit/ATM Card Annual Fee Free

Basic Service

Premium Service

*Mandatory monthly deduction irrespective of number of SMS

Note:

CONSUMER BANKING

27

Particulars Charges



-58700600

F. UBL ADDRESSAs per the loan documents,or Rs. 5,000/- (non-refundable),if not specified

3017542022001) Processing Charges

3) Legal Charges*

-542022002) Appraisal Charges*

SCGLCode

4) Late Payment Charges 301654205500As per the loan documents,or Rs. 1,000/- per installment,if not specified

8) Pre-payment Penalty (Full Payoff)

5) Property Insurance* As specified in the loandocuments, or actual(max of 3%) if not specified

As per the loan documents,or Less than1 yr: 8%,1-3 yrs: 5%,3-20, yrs: 3%if not specified

-54205550

As per the loan documents,or Max 6 monthlyinstallments. Penalty chargesapply on amount exceedingRs. 50,000/- or 6 monthlyinstallments. 8% for Year 1,5% for Year 2, 3% in Year 3& onwards if not specified

6) Life Insurance* -Optional. As per the ratequoted by the InsuranceCompany.

-542055507) Partial Payoff

9) Refund CCs Regular CC charge as perpage no. 2, Item No. 1 (a)will apply for all consumerrefunds.

54200100 -

G.CREDIT CARDS

-54205500

54205500

Annual Membership Fee(with basic ATM withdrawal insurance coverage)

1)

Chip Maintenance Fee - For Basic(Excluding Platinum)

2)

Annual Supplementary Card Fee (with basicATM withdrawal insurance coverage)

3)

Rs. 1,500/- (Silver)Rs. 3,000/- (Gold)Rs. 4,000/- (Platinum)

Rs. 250/- per annum

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

543005505430060054300650

---

54301750 -

54300550 -

54300750 -

54300650 -

a) Platinum Upgrade Fee from Gold and Silver-Basicb) Platinum Upgrade Fee from Gold and Silver-Supplementary

4) Rs. 2,000/-

Rs. 1,000/-

54300650 -

54300650 -

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

Note:*These charges are quoted by the vendor & are subject to change.

CONSUMER BANKING

Code

12) Minimum Monthly Payment

6) APR - Retail Transaction7) APR - Cash Advance8) APR - BTF9) APR - Lite Installment Plan10) APR - Lien Marked Credit Card11) Processing Fee for Lien marked Credit Card

Particulars Charges

28

SCGL

Rs. 250/-

Rs. 250/- per transactionor 1% of transactionamount (whichever ishigher)

5% of the installmentoutstanding balance orRs.1,000/- (whichever ishigher)

Up to 40%Up to 40%Up to 24%Up to 30%Up to 33%Rs. 1,500/-

14) Late Payment Fee

15) Over Limit Fee

16) Credit Guardian - Optional

Rs. 1,000/-

2% of the over limit amountor Rs. 1,000/- (whichever is higher)

0.79% of the monthlyoutstanding balance

5% of the outstandingbalance or Rs.500/-(whichever is higher)

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

13) Cash Advance Fee

20) Booking Charges - Balance Transfer (Open)

21) Booking Charges - Lite Installment Plan

22) Cancellation Charges - Lite Installment Plan

23) Direct Debit Failure Fee Rs. 500/-

18) Child Education Plan Plan A- Rs. 49/- per childper monthPlan B - Rs. 98/- per childper monthPlan C - Rs.125/- per childper month

19) a) Hospital Cash Plan - Executive 21-35 years: Rs. 220/-per month36-50 years: Rs. 360/-per month51-60 years: Rs. 824/-per monthEach Child 1-20 years:Rs. 215/- per month

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

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

5) Value added ATM withdrawal insurance coverage (optional)

Rs. 1,000/- per annum - -

54301450 -

T41805000 -

543013005430135054301400

543010005430105054301100

54300850

54300950

54302150 -

54302200 -

54302200 -

54302200 -

54302200 -

54302200 -

54302200 -

- -

54301150

54301250

54301150 -

54302300 -

526009005260093052600960

SilverGold

Platinum

SilverGold

Platinum

SilverGold

Platinum

SilverGold

Platinum

SilverGold

Platinum

CONSUMER BANKING

Particulars Charges

29

24) a) Card Replacement Fee-Silver & Gold b) Card Replacement Fee Platinum

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

25) Credit Card Conversion Fee (for Basic and Supplementary Cards excluding Platinum)

Rs. 500/- per card

26) Utility Bill Payment

27) Limit Enhancement Fee


Rs. 2,000/-

Up to 3.5% of thetransaction amount

29) VISA/ MasterCard Arbitration Charges for Disputed Transactions30) SMS Alert Fee

32) Global Customer Assistance Service - Fee a) Lost & Stolen Card b) Emergency Card Replacement - VISA Gold & Platinum c) Emergency Card Replacement - VISA Classic d) Emergency Cash Disbursement e) Emergency Service Request Denied or Fulfilled by Issuer or Cancelled f) Cardholder Inquiry Service / VISA Assistance Centre

USD 35/- per requestUSD 250/- per request

USD 225/- per request

USD 175/- per requestUSD 50/- per request

USD 7.50/- per request

USD 500/- or equivalent

Up to Rs. 50/- per month

Note:Markup will be charged on unpaid principal amount.In addition to above, commission / service charges, courier/postage/ fax charges will also berecovered according to prescribed tariff (wherever applicable).In addition to the charges above, all applicable Government levies will also be recovered.

SCGLCode

28) Foreign Transaction Charges

a) Membership/Annual Fee b) Airport Lounge Visit Fee

31) Platinum Priority Pass FeeFreeUSD 35/- per visit

54301450 -

54301900 -

54302500543025505430260054300200

70502500 -

- -

-

54300500 -

54301450 -

SilverGold

Platinum

33) Shapes Visit charges (For Platinum Credit cards only)

a) Primary Customers, charges will be applicable from 13th visit onwards in a month

b) Supplementary Customers, charges will be applicable from 5th visit onwards in a month

Rs. 1,000/-

Rs. 1,000/-

H. GENERAL CONSUMER BANKING CHARGES

1) Duplicate Statement

2) Cheque Return Charges3) Collection on Customer Call4) UBL Airport Lounge Charges (Karachi Airport)

Rs. 35/- per statement(not applicable on creditcard)

Rs. 400/- per chequeRs. 250/- per pickupRs. 800/-*

*Exceptions apply for Gold and Platinum Customers

54300500 -

54203700 -

54202250 -

BLANK

30

INTERNATIONL BANKING

INTERNATIONL BANKING

31


Transfer commission willbe charged as applicablein case of fresh Letter ofCredit

Particulars Charges

A. IMPORTS1) Cash Letters of Credit: a) Issuance of Letter of Credit Upto 0.40% for 1st Qtr or

part thereof, Upto 0.25%,for subsequent Qtr,Min Rs. 2,200/-

32

SCGLCode

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

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

-

2) Revalidation commission Revalidation Commissionto be charged from the datesubsequent to the date ofexpiry of LC at ratesapplicable in case ofopening of fresh LC.

AMC54206050

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

1.0% on 1st Qtr and 0.30%for each subsequent Qtr orpart thereof,Min. Rs.1,500/-

-

b) L/C, L/G under "Suppliers / Buyers Credit" Pay As You Earn Scheme (PAYES) and deferred payment L/Cs for period over one year c) In case of L/G undertaking to be issued favoring any bank for providing forward cover exchange risk under Suppliers / Buyers Credit behalf of applicant

Commission @ 0.40% perQtr or part thereof,Min. Rs.2,500/-Commission @ 1.6% perannum,Min. Rs.2,000/-

--

-

d) L/C cancellation charges Rs. 2,000/- plus swiftcharges Rs. 1000/- flat &communication charge (atactual)

LCN54206100

6) Issuance of Certificate regarding opening of L/C or registration of contract to another bank for booking of forward exchange at importer’s request

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

-

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

Handling chargesRs.7,500/- (flat)

-

7) Bills are drawn at a Usance under the Letter of Credit other than Pay As You Earn Scheme and Supplier / Buyer Credit and Deferred Payment Letters of Credit on yearly

a) Rs.1,500/-per bill (flat) HDCLEC

5420675054206000

b) Extra Commission@ 0.10% per month or partthereof from any periodbeyond the L/C validity tillmaturity of the bill.

8) Contract registration for import on annual volume basis

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

0.40%, (flat),Min Rs.2,500/- (flat)

9) L/C Amendment

10) Contract Amendment Rs. 1,500/- (flat)Rs.1,500/-(flat) Plusservice charges @ 18/-paisa per Rs .100/-Min, Rs 2,000/- swiftCharges Rs.1,000/-

CRC

AMC

CRCHDCRTCSWS

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

54206200

54206050

54206200542067505420640057800400

LOC54206000

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

54206000

54206000

54206000

54203150

54206150

54208800


HDC

SCCode

RTC

RTC

-

DEC

HDC

-

---

ELC

ADC-

ADCADC

ADAADA

-

33

USD 75/- or equivalent plusswift charges Rs. 1,000/- flat& communication charges

Particulars Charges

17) Handling of discrepant documents under Import L/Cs

B. EXPORTS

54206850

GL

iii) If retired during next 15 days after the period mentioned in (i) and (ii) aboveiv) If retired during next 190 days after the period mentioned in item (i) (ii) and (iii) above

13) Import bills returned unpaid

14) a) Collections

30 paisas per Rs.100/-


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

Rs.1,500/- (flat), percollection

Handing charges USD100/- (flat) or equivalentplus courier charges Rs.2,000/-

16) Reimbursement charges (payable to Reimbursement Bank)

At Actual

a) Opened by us where Fx conversion forward is done by us b) Opened by us where Fx conversion / forward is done by other banks

@ 15 paisa per Rs.100/-Min. Rs.1,500/-@ 18 paisa per Rs.100/-Min. Rs.1,800/-

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

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

b) In addition to mark-up as per (12) (a), Bank’s commission on the amount (net of margin) for which PAD is created, as under:i) If retired within 10 days from the date of lodgment

No Commission

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


Rs. 1,500/- (flat), plusservice charges @15 paisaper Rs.100/-,Min Rs 1,500/- plus swiftcharges Rs. 1,000/-

b) Import against advance payment to suppliers

54206750

54206750

57800500

54206400

54206400

52700430

542067505420640057800400

f) Reimbursement payment to other local from non-resident rupee A/c

Rs.500/-(flat)

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

d) Confirmation

e) Transfer of Export

Rs.200/- (flat)1) Processing charges for Export Registration

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

2) Letter of Credit

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

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

Rs.1,800/- (flat)USD 60 (flat)

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

54206550

54206550

5420645054206450

5420645054206450

52700430

54206600 -

-

18) Issuance of freight certificate for Imports on FOB basis19) Extension in maturity of Usance Bills under LC / Bank Contract20) Expense Recovery Protest/ Legal Charges

Rs 1,500/- per certificate

1,500/- (flat) per bill

Actual + USD 25/-or equivalent

54206750 -

23) FED invoice certificate24) Issuance of business performance certificate of previous years at the customer request

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

5420685054206420

--

22) Duplicate advice issuance Rs.350/- per duplicateadvice

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

Rs. 1,500/- (flat) 54206750

54206850

-

-


Rs. 80/- (flat) per transaction

Particulars Charges

3) Advance Payment

34

0.15% Min Rs. 400/-Rs. 200/- (flat)As per prevailing SBPregulations (as and whenthe shipment is effected).

a) Service charges b) Commission c) Export Development Surcharge

5420785054206650

4) EDS handling charges 54206750

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

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

7) Duty Drawback Claim

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


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

54206850

54206600/54206850

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

Rs. 500/- per bill

Rs. 400/- per case

54206600

41400700

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

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

54206600

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

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

54206600

a) Originalb) Duplicate

13) Trade Development Authority Registration certificate verification

14) Duplicate advice issuance

Rs. 200/- per certificate

Rs.300/- per duplicateadvice

54206600

15) a) Negotiation of documents drawn under sight Letter of Credit (Delayed Realization) If proceeds not realized / credited to our customer's a/c within 12 days than mark-up is applicable to customer. NICF facility will be charged for any delay beyond

b) Negotiation (Usance) (Delayed Realization) If payment of Foreign / Local Bills realized within 03 days, no mark-up to be charged. Incase proceeds not realized/credited to our a/c within 03 days from the date of the maturity till its adjustment than mark-up is applicable to our customer's NICF facility or as per special approval by the competent authority. In case of no NICF facility is available to the customer than mark-up will be charged

Mark-up rate @ 54 paisaper Rs.1,000/- per day tobe charged

Mark-up rate @ 54 paisaper Rs.1,000/- per day tobe charged

52600330

52600330

Rs.1,000/- per certificate17) Sales Tax / FED invoice certificate 54206600

Rs.1,500/- plus swiftcharges Rs. 1000/- flat &communication charges

18) Export LC Cancellation 54206450

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

Rs. 400/-(flat)

Rs.2,500/- per certificate16) Issuance of business performance certificate of previous years at the customer request

54206600

40244023

HCH

-

-

ESC/SCH

EBC

-

-

-

-

-

EMU

EMU

EBC

CAN

-

-

SCGLCode

Note:The Bank reserves the right to charge different rates on the basis of volume and security offeredsubject to prior approval by concerned sanctioning authority.In addition to above, commission/service charges, recovery of courier/postage / fax charges willalso be recovered according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.In addition to the charges above, all applicable Government levies will also be recovered.

41800800 EDS

54206600

54206800

Code


ii) Commission against issuance of FMT/ FDD/TC From PKR Account (Not Applicable on Advance payment imports)

35

Particulars Charges

C. REMITTANCES1) Outward a) Foreign Travelers Cheques 1% of the amount of

travelers cheques sold,Min. Rs. 400/-

54207500 4001

b) i) Remittance abroad through Foreign Currency Account (Issuance of FDD / FTT)

54207550 4002

SCGL

Flat charges Rs. 500/-only on Out-Bound Exportproceeds in FCY only

19) Export Proceeds Transfer 54206600 EBC

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

Commission mentionedunder (b)(i)above, plusservice charges @ 0.25%to be recovered Min Rs.200/-

iii) Foreign Currency cash deposited in CFC A/c for realization of Export proceeds

iv) Collection /Local Clearing for F.C. A/c

In addition to commissionmentioned at (b) (i) above,plus service [email protected]% to be charged incase of realization of Exportproceeds against cashdeposited in FCY A/c

0.6%, Min USD 7, Max USD 15 v) A/c to A/c Funds Transfer of Foreign Exchange Companies in Foreign Currency A/c (having same title of A/c) within UBL Branches (Locally)

c) Remittance abroad other than through Foreign Currency A/c

54207570 4003

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

Favoring UBL Customers@ 0.15%, of remittanceproceeds Min Rs. 500/-& Max Rs. 2,000/-Beneficiaries with otherlocal banks flat charges@ Rs.1,000/-

54207850 -

Free, if the proceeds arecredited to an A/c withUBL. In other cases, flatcharges @ Rs.500/-

b) Others

54207550 4004

54206760 4005

54200240 4006

54207850 -

Commission @ USD 1per 1000 or part thereof,equivalent for othercurrencies, Min USD 8,Max USD 75, or equivalentfor other currencies

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

iii) FDD / FTT cancellation charges against Export

iii) Commission against issuance of MT/FDD against Export

d) i) FDD / FTT cancellation charges ii) Under general permission or specific approval of SBP

e) i) Issuance of duplicate FDD ii) Issuance of duplicate FDD under Export

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

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

Rs. 500/- per itemRs. 250/-

Rs.500/- per cancellation

Rs.500/- (flat)Rs.500/- (flat)

54207750 4010

54207700 4013

2) Inward a) Home Remittance Free - -

54207600 4007

54207660 4008

54202450 -

54207750 4011

54207750 4012

54207700 4014

Commission @ 0.25% perUS$ 1,000 or part thereof,equivalent for othercurrencies, Min USD 10,Max USD 100/- or equivalentfor other currencies

SCCodeParticulars Charges

ii) Cheque/Draft/FTCs Returned unpaid iii) Postage

Rs. 500/- (flat)Rs. 200/- (flat)

36

-54203710-57800200

D. MISCELLANEOUS

1) Correspondent Banking charges At Actual -54208000

GL

e) Clean Collection-Using Foreign Correspondent arrangements i) Collection for Foreign Currency A/c or Rupee A/c

0.6%, Min USD 7, MaxUSD 15 or EquivalentRupees per collection (inAddition to foreignBank charges)

5420760054207550

--

b) Negotiation (Usance) -52600301If payment Foreign/Localbills realized within 3 days,no markup to be charged.Incase proceeds notrealized/credited to ouraccount within 3 daysfrom the date of maturitythen markup to be chargedfrom the date of maturity tillits adjustment @ applicableto our Customer's NICFfacility or as per specialapproval by the competentauthority. Incase of no NICFfacility is available to thecustomer then markup@54 paisa per Rs.1,000/-per day to be charged.

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

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

3) Inward collection/Local Clearing received relating to Foreign Currency A/c from abroad or local banks / branches and where the payment is demanded in Foreign Currency

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

2) Foreign bills sent for collection returned unpaid Rs.500/- (flat) -54203700

-54206850

USD 5 per USD 1,000 orpart there of and Max.USD 15

-54203700

4) Inward Foreign Currency cheque, received from local branches, upcountry branches or local banks for payment in Pak Rupees (convert the relevant Foreign Currency at the TT Buying rate)

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

-54203700

5) Issuance of proceeds certificate beyond one year Rs.500/- (flat) per certificate -54206850

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

Rs.500/- per instance -54206850

8) Standing instructions charge in Foreign Currency A/c

USD 5/- or equivalent pertransaction

-54206850

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

-52600301If proceeds not realized /credited to our customer'saccount within 12 days thenmarkup @ applicable to ourcustomer NICF facility to becharged for any delaybeyond 12 days. Incase noNICF facility to the customerthen mark up @ 54 paisa perRs. 1,000/- per day to becharged.


Note: Whenever SWIFT message is sent, SWIFT/Communication charges will be recovered fromcustomer.In addition to above, commission/service charges, courier/postage / fax charges will also berecovered according to prescribed tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Business Head / Divisional Head.In addition to the charges above, all applicable Government levies will also be recovered

COMMUNICATION CHARGES - GENERAL

CodeParticulars Charges

-54206850Rs.2,000/- per certificateRs.1,000/- per certificate

10) Issuance of business performance11) Sales Tax / FED Invoice certificate (Export)

-54206850

SCGL

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

Communication Charges - General

Rs. 75/- flatRs. 200/- flat

Actual, Min Rs. 100/-Actual, Min Rs. 1,300/-

Rs. 250/-Free

Rs.2,000/-flat

Rs. 100/- per callRs. 100/- per messageMin Rs. 50/-

Actual, Min Rs. 200/-Actual, Min Rs. 1200/-

4) Swift a) Full Text L.C/Guarantee & Long Messages b) Short Text/LC amendment & other messages

1) a) Telephoneb) Fax

2) a) Postage Ordinary -(Inland)b) Postage Registered

i) For Inland LCii) For foreign Import LC

i) Inlandii) Foreign

3) Courier a) Courier (Within City & Intercity b) Courier-Foreign c) Courier LC d) Courier Charges for Account Opening Welcome Pack/Cheque Book/ Debit Card (VISA & Master)

57800100

57800100

57800200

57800200

57800200

57800400

1021

10221023-24

1023-24

1023-24

1021

c) Others

IMPORTANT NOTES:

•

SIGNATURE PRIORITY BANKING CUSTOMERS:Please refer to your Priority Lounge Relationship Manager for other applicable waivers onSchedule of Charges, including FCY Accounts.Where Online system is down, remittance may be sent by other means but Inter Branch onlinetransaction will be recovered.See Page 12 & 13 for waivers on Business Partner Accounts & Business Partner Plus.All Government levies including Sales Tax / FED will be recovered where applicable.All regular branch banking charges will be applied for the transaction through branches.Commission / service charges, recovery of courier postage / fax charges will also be madeaccording to prescribed tariff (wherever applicable.)

•

••

•

•

•

• The Bank reserves the right to charge different rates on the basis of volume and security offeredsubject to prior approval by concerned sanctioning authority.Charges for cash collect will be subject to contractual agreement with the customer.•

As per clarification given by the SBP Foreign Exchange Department 6734/ FEP.9 (126-242)-95dated 19-12-95 it is advised that in the case of Letter of Credit or for that matter "Authorization to pay"opened by the Department of the Federal or Provincial Governments whether routed through StateBank of Pakistan or not Letters of Credit commission is to be charged at the rates given in Para 37(ii) Chapter XIII of Foreign Exchange manual (8th Edition-2002). However for Letters of Credit"Authorization to pay" opened by other public sector agencies in Federal / Provincial Governmentincluding autonomous, semi autonomous bodies e.g., K.E.S.C. Limited, WAPDA, PTCL, etc., thecommission is to be charged from the openers by the banks as per their own schedule of charges.

Concession to UBL Staff is allowed as per policy and relevant circulars.•For Inter Branch Online transaction OBC charges would not apply.•

Rs.1,000/-flat

• Whenever swift message is sent, SWIFT/communication charges will be recovered from customer