January - June 2016 of Charges... · (Exclusive of FED/Sales Tax, & other Govt. Levies etc. wherever applicable) Effective form Junuary 01, 2016 ... In addition to above, commission/service

Schedule of Bank ChargesJanuary - June 2016

United Bank Limited

Page#

Table of Contents

Sr. # Description

16-18

34-40

01.

06.

01-15

41-42

35-3636-3838-39

4007.

08. 42

43

Schedule of Bank Charges(Exclusive of FED/Sales Tax, & other Govt. Levies etc. wherever applicable)

Effective form Junuary 01, 2016

DOMESTIC BANKING

International Banking

Communication Charges - General

Important Notes

UBL AMEEN ISLAMIC BANKING

02. UBL Signature - Priority Banking03. 19-20Bank Charges for Government Business

21-2504. Branchless & E-Banking26-3305. Consumer Banking

45-46

46-4848

Articles in Safe Deposit & Safe Deposit Lockers

A. RemittancesB. BillsC. Project Finance/AdvancesD. Sale / Purchase of Securities, Custody of

E. GuaranteesF. Local Trade BusinessG. Miscellaneous Charges

46

49-5051-5555-56

09. 44-56Domestic Banking

60-66

A. ImportsB. ExportsC. RemittancesD. Miscellaneous

A. ImportsB. ExportsC. RemittancesD. Miscellaneous

62-6363-6464-66

66

10. 57-59Consumer Banking11. International Banking

12. 67-68Communication Charges

13. 68Important Notes

0203

04-06

08-0909-1111-14

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 ChargesH. Transaction Banking 14-15

DOMESTIC BANKING

DOMESTIC BANKING

01

DOMESTIC BANKING

02

Particulars Charges

A. REMITTANCESSCGL

Code

1) Cashier's Cheque/Corporate Bankers Cheque - CBC

a) Issuance of Cashier's Cheque / CBC - 1009

0.2% or Rs.1,000/-whichever is higher

Through AccountThrough Cash (For account holder &non account holder)

Same as 1(a) above

1010

1011

b) Cancellation of Cashier's Cheque /CBC

c) Issuance of Duplicate Cashier's Cheque /CBC

1009

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. 350/-whichever is higher

1007

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

For Account HoldersFor Non Account Holders

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

i) Within City ii) Intercity

Free0.10% or Min Rs. 350/-whichever is higher

i) Within City

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

ii) Intercity

Free

0.20% or Min. Rs. 375/-whichever is higher

1008

1015

Rs. 200/- (flat)

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

Note:

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

54200100

54200150

54200120

54200110

54200100

54203670

54200200

54203680

54200280

Rs. 400/- (flat) -54200250 c) Inter Bank Fund Transfer - IBFT via Branches ( To all other banks within Pakistan only; charges are to be recovered from the remitter)

(Charges are to be recovered from theBeneficiary)

e) UBL Cheque Deposit

i) Within City and within the catchment area of one clearing house

ii) Intercity 0.10% or Min Rs. 375/-whichever is higher

6) Duplicate SDR / TDR / FDR Issuance Charges

10101109

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

Rs. 250/- (flat)

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

1111

FreeRs. 1,000/- (flat)

or 0.10% whichever is higher

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/-

Minimum

5420015054200300

54200400

54200240

Free

DOMESTIC BANKING

03

Particulars Charges SCGL Code

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

0.60%, Min Rs.250/-(Plus CommunicationCharges)

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

Rs. 500/- per transaction

52700430 -

For PKR AccountFor FCY Account USD 10/- or equivalent

per transaction

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

per transaction

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.

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

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

.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.

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.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.

10121013 b) Refund in Lieu of Lost Rupee Travelers

ChequesRs. 500/- per applicationRs. 10/- per leaf

7) Rupee Travelers Cheques a) Issuance of Rupee Travelers Cheques 54200450

54200450

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

B. BILLS

Rs. 300/- (flat)54203660 1089

c) Deduction of Cashier's Cheque Issuance Charges in Direct Collection where NIFT/NBP services are not available

Rs. 200/- (flat) plus couriercharges or actual whereverapplicable

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

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

54206300 -0.40%, Min Rs. 900/- plusmark-up from the date ofpurchase to the date ofpayment. (PlusCommunication Charges)

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:

DOMESTIC BANKING

04


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

1) Fee and charges in respect of Project Financing

2) Evaluation charges of property for security Purpose3) Non-Refundable Processing Fee for SME / Commercial Advances including Funded and Non-Funded Facilities

Upto Rs. 1 mIn

Above Rs.1 mIn and upto Rs.100 mln

Above Rs. 100 mln

4) For finance against pledge / hypothecation:

a) Godown Rent

b) Godown staff salaries of Godown Keepers / Chowkidar.c) Godown Inspection Charges

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

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

e) Storage charges

On case to case basis asper agreement with theparty.



On case to case basis asper agreement with theparty.On case to case basis asper agreement with theparty.

On case to case basis asper agreement with theparty.At Actual

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

Fresh/ enhancement/renewal CA Rs. 7,500/- or0.05% of facilities amount,whichever is higher.

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

At Actual

Shall be credited to Bank'sIncome Account

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

At Actual

Plus actual conveyancecharges(Max. one visit per month)

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

54202000 2001

57800600 -

54202050 2002

54202100 2003

54202150 2004

54202150 2006

54202000 2005

54202200 2007

54202250 2008

54202250 2009

54202250 2010

54202250 2010

54206300 -

a) Project evaluation / Appraisal fee

c) Legal documentation fee for Trade Related / Project Finance

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

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

e) Restructuring and Re-scheduling fee

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

DOMESTIC BANKING

05


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

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

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

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

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

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

b) Vacation of Charges7-a) Registration with SECP & Lawyer's charges for both Private & Public limited companies where charge on current or fixed assets is registered

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

i) For Individualii) For Corporate Entities

ii) Outside the above limits

54202250

57800500

54202300

54202300

57800500

57800500

57800500

57800500

57800500

57800500

54202250

57800700

2010

2013

2014

2015

2016

2017

2018

2019

2020

2021

2011

2012

54202250 2010

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

At Actual

At Actual

Rs.500/- (flat) per customer


Rs.50/- (flat)Rs.50/- (flat)

Rs.10,000/- (flat) pertransaction


Rs.2,500/- (flat) perproperty

Rs.1,000/- per propertyActual plus Rs. 1,000/- percase

Actual plus Rs. 1,000/- percase

At Actual

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

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

54202200 20222033

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

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

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

DOMESTIC BANKING

06


C. ii) UBL BUSINESSLINE

1) Processing Charges

5) Late Payment Charges

6) Property Insurance

09) Refund via cashier’s cheque (CC)

10) Line Renewal Charges

7) Life Insurance

08) Default due to lack of funds on standing instructions

2) Appraisal Charges

3) Legal Charges

4) Income Estimation Charges

2% on outstanding principal,if not specified.

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

Regular CC charge as perpage no. 2, Item No. 1 (a)will apply for all consumerrefunds.As per the loan documents,or @ 0.05% of credit line orRs. 5,000/- whichever ishigher, if not specified

Optional. As per the ratequoted by the InsuranceCompany.As per the loan documents,or Rs. 2,000/- if notspecified

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

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

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

54202200

54205500

54200100

54202200

54208050

54202000

57800600

54205600

3006

3009

-

3008

-

-

3007

-

-

-54302200

54302200

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

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

54208050 -

54208050 -

54202750 -

5420805054208050

--

54208050 -

Rs.10/- per scrip, Min. Rs.75/-

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

Free - A/c CreditSame as Cashier's Cheque(Ref page No.1,( 1-a )Rs. 500/- flat per transactionRs. 850/- flat

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

5) Withdrawal fee on Govt. Securities

6) Charges for collection of interest / return / dividend

2) Sale / purchase of shares and securities

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

DOMESTIC BANKING

07


13) Articles in safe deposit - Envelopes

9) NIFT charges on the Dividend Warrant8) Stop payment Charges per Dividend Warrant

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

12) Issue of Right shares

7) Charges for Voice Biometric per year

54208050

54208050

54208050

54208050

54208050

54202700No NIFT charges if MICRcodes are on the DividendWarrant otherwise Rs.10/-each

Rs.150/- flat

Commission @ Min. 0.5% oftotal amount of successfulapplications plus out ofpocket expenses, Min.Rs.25,000/- and MaxRs. 100,000/- (subject tonegotiation of rate basedon volume of business)

Rs.20/- per scrip

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

Up to Rs. 500/-

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

-

-

-

-

-

-

10%* of the applicableannual locker rent every year

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

FreeFreeFreeQuarterly Free On DemandRs. 100/- per statement

*Late payment charges will be recovered onceannually after rent is overdue for more than30 days

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

c) Breaking Charges

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

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

Note:

54205500

54202850

54202600

1020

1019

-

Upto Rs.100/- mln - 0.05%p.a. per issueAbove Rs.100/- mln 0.025%p.a. per issue

16) Investor Portfolio Securities (IPS) Account - International Clients (SCRA) a) Custodial Charges 54202600

54202600

-

-

-

14) LockersSafe deposit lockers fee to be recovered in advance at the commencementof the period

54202850 1017

4180510041802600

Key deposit & Security deposit Amount will be refundable at the time of vacation of locker.

a)

with A/cwithout A/c

40,000/- 70,000/- 100,000/- 140,000/-

Option No. 1 Annual Fee/Rented LockerNote: Key deposit to berecovered

Small

3,000/- 4,000/- 6,000/- 10,000/-

Medium Large Extra Large

3,000/- 3,500/- 4,000/- 5,000/-Key Deposit (One time only)

Option No. 2 Security DepositNote:a) No locker rent to be recoveredb) Key Deposit to be recovered

DOMESTIC BANKING

08



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

Rs.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.

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

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

Rs 1,800/- (flat)

USD 120 (flat) or equivalent


b) Counter Guarantee issued by us for guarantee issuance abroad

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

6) Amendment

(a) Upto Rs.25 mln

(b) Rs.50 mln

(c) Rs.100 mln

(d) Over Rs.100 mln

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

54203150 BGC

54203150 BGC

54203150 BGC

54203150 BGC

Rs.1,500/- (flat)

0.50% per quarter or partthereof, Min. Rs.500/-As per Term Sheetapplicable for the entireSyndicate members(Quarter will start from thedate of issuance ofGuarantee)

E. GUARANTEES1) Guarantee issued to shipping companies in lieu of Bills of Lading / Endorsement of Airway Bills2) Guarantees secured by cash margin / lien over deposits3) Consortium / Syndicate Guarantees

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

54203000

31501020

54203150

SGT

MO2 /MO3

-

54203150 BGC

d) Security Movement/Transfer Charges Rs. 500/- per transaction

5 bps per transaction

Quarterly FreeOn Demand Rs. 100/- perstatement

b) Primary Market Participation Fee

c) IPS Statement

54202600

54202600

54202600

-

-

-

DOMESTIC BANKING

09


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.

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

i) LC Advisingii) LC Amendment Advising

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

b) Inland LC Amendment charges

i) LC Issuance

ii) Amendment Issuance

d) Duplicate Advices

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)ii) Retirement of Bills

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

e) Sales Tax/ FED invoice certificate

c) Swift Charges

a) In Land Export LC Advising3

b) Usance Bills

i) Collection Chargesii) If bill matures after expiry of LC

e) Handling of Inland LC Documents with discrepancies

d) Inland LC Documents Returned Unpaid

c) Payment of Bill drawn under Inland LC

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

54206000

54206050

57800400

54206100

57800500

54206850

54206750

54206850

5420110054206500

54206400

54206300

54206850

54207650

54201000

54206850

LOC

AMC

-

-

SWF

LCN

HDC

XCB

RT1

LEC

HDC

POC

DEC

-

ADCADA

0.40% per bill Min. Rs.1,500/-

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

Upto 0.4% per quarter orpart thereof Min Rs. 2,200/-Rs.1,500/- (flat) pertransaction plus commissionas per item a) above ifincrease in amount.

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


Rs.350/- per duplicateadvice

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

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

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

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

Rs.1,000/- per certificate

Charges under b) i) plusdelivery of documentsagainst acceptancecommission @ 0.10% permonth on bill amountrealization from the date ofexpiry of LC

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

Payment commission;Rs.600/- (flat)

Rs.3,000/- (flat) percertificate

DOMESTIC BANKING

10


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

iii) Postage/Courier Charges for LC & Amendment Advising

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

iv) Inland LC Confirmation chargesb) Collection of Documentary Bills drawn under inland

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

i) Negotiating End


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

iv) Postage/Courier Charges for LCs & Amendments Advising

e) 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

j) Export LC Cancellation

g) Documentary collection (drawn against LC)

h) Documentary collection other than those drawn against LC) i) Negotiation (Usance) (Delayed Realization) If payment of inland/local bills realized within 03 days, no 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

COU

EMU

SCH

-

-

ELC

COU/CO1

EMU

-

-

-

CAN

EMU

-

-

57800200

52600330

54206850

54201200

54201200

54206550

57800200

52600330

54201200

54206850

54206850

54206450

52600330

54206600

54206600

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

Rs.150/- (flat)

As per FIG arrangement0.40%, Min Rs 1,000/-

Commission @ 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/-

Rs. 250/- per duplicateadvise


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

Rs. 1,000/- per certificateIf 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.

Rs.1,500/- plus swift chargeRs. 1,000/- flat &communication charges

0.4% Min Rs. 500/- Pluscommunication charges0.4% Min Rs. 500/- Pluscommunication chargesMark-up rate@ 60 paisaper Rs. 1,000/- per day to becharged

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 inaddition to mark-up @ 60 paisa PTPD (or as revised from time to time) from the date of maturity tillthe date of payment.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.

DOMESTIC BANKING

11


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)

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

b) Duplicate/On-Demand Statement of Account

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

2) Issuance of SBP/ NBP cheques / Special Clearing (Upon Customer request only)

FreeRs. 35/- per statement(Charges are inclusiveof Sales Tax/FED)Rs.500/- per cheque

54203500

-

54203550

-

1005

-

1026

-

Rs. 330/-

Per Transaction Charges (PKR)Rs. 220/-Rs. 330/-Rs. 550/-Rs. 220/-

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

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

ii) NON - MICR

For PLS AccountsFor All other Accounts

c) Corporate Customer's Cheque Books/Leaves

b)Cost of issuance of customized cheque books

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

9) Charges for cheque return unpaid

8) Stop payment charges of Cheque /TT/RTC/ PO/DD

*one instruction may include advice for series/multiple instructions

Note:

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

-

- First Cheque Book up to 50 leaves is free forBusiness Partner Account holders. Chargeswill apply on subsequent cheque books asper ‘‘ Business Partner Waiver grid’’

PKR 400/-, USD 5/-GBP 3/-, EUR 4/-AED 20/-, SAR 20/-

For PKR. A/c - Rs. 400/-(flat) per instruction*USD 10/- per instruction*GBP 6/- per instruction*EURO 7/- per instruction*AED 35/- per instruction*SAR 35/- per instruction*

Rs. 12/- per leaf (flat)Rs. 8/- per leaf (flat)Rs. 15/- per leafCharges as in 9(a) above +actual cost of cheque bookOn case to case basis, asper agreement with the party

1001

1002

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

SAR 2,000/-20/-

54203800

54203700

54202650

54203750

54203750

-

1032/1033

1004

1003

1079

4) Handling charges for issuance of Student Exchange Remittance permit and maintenance of record for subsequent remittances5) Issuance of Balance/Account maintenance certificate on customer's request6) Charges for same day collection/clearing cheque through NIFT7) Charges for Voice Biometric per year

Rs. 300/- per case

Rs. 300/- per certificate

Rs. 500/- (flat) per instrument

Upto Rs. 500/-

54203600

54203500

54203650

-

1027

1030

DOMESTIC BANKING

12


11) a) Salary & Pension disbursement charges.** Min Rs.75/- per transactionfrom remitting organization’smain account (or as peragreement)

54203850 1034

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

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’s Account in outward clearingOnline 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

13)BUSINESS PARTNER WAIVER GRID

(For Individual, Sole Proprietorship, Partnership & Government Accounts only)

*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.

54203900

12) Photocopy of a paid cheque returned to customer

Within 1 yearAbove 1 year

103654203900 1037-

1038

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

Charges perCheque}

* Exemption to :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,Pensioners, Senior Citizens, Physically handicapped 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

i)ii)iii)

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

x)xi)xii)xiii)xiv)xv)

Note: ** No Charges to be recovered fromGovt. & Semi Govt. Organizations and theiremployees / retired employees.

Waiver on financial transactions will be applicable only when transaction is routed throughcustomer's Business Partner account.

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.

DOMESTIC BANKING

13


14)

Debit/ATM Card Issuance / 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 in outward clearing

Duplicate Cashier’s Cheque/ CBCDuplicate Account StatementIssuance of RTC

FreeFreeFreeFree

FreeFreeFree

FreeFreeFree

WavierInter Branch Online Transactions-Country Wide Free

BUSINESS PARTNER PLUS

UBL Go Green SMS Alert Free

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.Waiver on financial transactions will be applicable only when transaction is routed throughcustomer's Business Partner Plus account.

Minimum Balance ChargesUBL Mega Wallet ATM Debit Card Annual ChargesCheque Book Issuance Charges (1st Cheque Book 25 leaves)Online IBTS TransactionsUBL Netbanking (Silver Package)UBL Go Green SMS Alerts ( Basic Package)

UBL Employee Banking Salary AccountServices Waiver

ZeroFreeFreeFreeFreeFree

15)

Current SavingsZeroFree

ZeroFree

ServicesMinimum Balance ChargesUBL Mega Wallet ATM Debit Card Issuance Charges

UBL Asaan Account16)

Minimum Balance ChargesInter Branch Online Transactions - Country WideDebit/ ATM Card Annual fee Issuance of Cashier's Cheque /CBCCheque BookOver the Counter Cash DepositCancellation of CC/ CBCCheque Returned Unpaid from Payee's Account in Outward ClearingClean bill for Collection/Intercity ClearingDuplicate Cashier's Cheque/ CBCDuplicate Account StatementIssuance of RTCUBL Go Green SMS Alert

WaiversUBL Mukammal Current Account

ServicesZeroFreeFreeFreeFreeFreeFreeFreeFreeFreeFreeFreeFree

17)

Freec) If requested by Banks/DFIs. - -

54208050 -18) Charges on Encashment / Collection of profit coupons for certificates issued by other banks

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

Rs.300/- per scrip

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

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

a) Within City Report 54208050 -

b) Foreign Report 54208050 -

DOMESTIC BANKING

14


25) Statement of Profit Earned & WHT / Zakat Deduction

Rs.200/-per attempt

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

Free

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.

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

54204050 1064 -1075

21) Emigration Certificate22) Proprietorship Certificate23) No Objection Certificate (NOC)

54204100

54204100

54204100

1040

1040

1040

54204100

24) UBL Basic Banking Account Transaction Charges

54204150

1042

1041-1941

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

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

1357

54204500 -Rs. 250/- per verification27) 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)

54204150

28) Charges on Dividend Warrants handling / payment to be recovered from Dividend delivering company

i) Minimum @0.50% per Dividend Warrant or Rs. 150/- whichever is higherii) Out of pocket expense Rs.10,000/-

29) SMS Charges on NRP Banking

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:

Package For LCY Accounts For FCY Accounts

BasicPKR 500/- + FED ( for first 50SMS) & PKR 10/- + FED per SMSThereafter

Equivalent to PKR 500/-+ FED( for first 50 SMS) & Equivalentto PKR 10/- + FED per SMSThereafter

Premium

PKR 1,000/- + FED ( for first 100SMS) & PKR 10/- + FED per SMSThereafter

Equivalent to PKR 1,000/-+FED( for first 100 SMS) &Equivalent to PKR 10/- + FEDper SMS Thereafter

H. Transaction Banking30) a) UBL Pay Partner / CMT Disbursement (Salary and other disbursement)

Min Rs.30/- per transaction(or as per agreement with customer)

1) UBL to UBL Account Transfer & WIZ (including UBL Employee Banking Salary Account transfers)

4) Corporate Banker Cheque (CBC) (Bulk issuance)

See section A (1) (a)

3) Cash over the counter – local payment


2) Inter Bank Fund Transfer-IBFT (1-Link member banks)


54200100

54208620/54208530

54208620/54208530

54208620/54208530

-

-

-

-

DOMESTIC BANKING

15


b) UBL Cash Collect / CMT Collection

1) Collection via UBL branches (Cash, Internal transfers & local clearing instruments)

0.3% on throughput withminimum Rs. 100/- pertransaction (or as peragreement with customer)2) Collection via electronic channels

Note: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.Customized Digital Currency Cheque leaves issuance charges shall be subject to the DivisionalHead ApprovalFor duplicate / on-demand SOAs, waivers are allowed on the discretion and signed approved ofBM or CSOM.

54208600 -

PRIORITY BANKING

16

PRIORITY BANKING

UBL SIGNATURE - PRIORITY BANKING

17


1) Issuance of Cashier's Cheque

3) Inter Branch Online Transactions - IBTS

FreeFree

A. UBL Signature — Priority Banking

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

FreeFree

7) Consumer Products Application Processing Charges

Free

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

Free

Free

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

9) Signature Priority Pass FeeFreeUSD 35/- per visit

b) Value added ATM withdrawal insurance coverage (optional)

Free

Rs. 1,000/- per annum

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

Free

a) Cash/Cheque Deposit & Account to Account Transfer

2) DD / MT / PO / Cashier's Cheque Cancellation Charges

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

--

--

-

--

-

-

-54302050

-

--

--

-

--

-

-

--

-

* Shapes Health Club alliance locations may change from time to time**The Shapes offer is a limited time offer, and may be revoked, changed, or altered with prior notice at the discretion of the Bank

ii) Intercity Free - -i) Within City Free - -

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).

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

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

13) Net Banking Charges

FreeFree for outwardclearing onlyFree

54204300

--

-1303 -1304

--

-

15) Account Maintenance Certificate Free16) On Demand / Duplicate Statement of Account Free17) Shapes Health Club Alliance Facility Usagea. Primary card holders maintaining requisite balance as defined for Signature account - 12 visits free per month.b. Customer using Shapes facility without maintaining requisite Signature balance will be charged Rs. 1200/- plus FED for each visit.c. Shapes usage is for Primary card holders. However supplementary cardholders can use the quota of the primary card holder subject to maintaining requisite Signature balance.

From 13th visit onwardsRs. 1200/- plus FED will becharged to customers.

54204300 1305

8) a) Signature Debit Master Card - Basic & Supplementary (with basic ATM withdrawal insurance coverage)

UBL SIGNATURE - PRIORITY BANKING

18


i) Custodial Chargesii) Transaction Charges (sale or purchase)iii) Security Movement/Transfer Chargesiv) IPS Statementv) Primary Market participation

FreeFreePKR 500/-Free5 Bps at face value

54202600 -18) Investor Portfolio Services for Signature Accounts

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.

BANK CHARGES FORGOVERNMENT BUSINESS

BANK CHARGES FOR GOVERNMENT BUSINESS

19

BANK CHARGES FOR GOVERNMENT BUSINESS

20


A. IMPORT

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.

Less than Rs.250,000/- and above

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

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., Karachi Electric (KE), WAPDA, PTCL, etc.,the commission is to be charged from the openers by the banks as per their own schedule ofcharges.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


21


22

BRANCHLESS & E- BANKING

Slab End

UBL Omni Money Transfer-Domestic Remittance (DR)*

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/-

10/-10/-15/-25/-35/-45/-55/-60/-

* Insurance is optional for DR consumers

Service Fee at UBL Omni DukaanUtility Bill PaymentMobile Top upCash Deposit

FreeFree

Free(Within Account opening area)

Cash Withdrawal* From UBL OmniDukaan and Branch

Slab Start Slab End Customer Fee (Rs.)1

1,0012,5014,0016,0018,001

10,00113,00115,00120,001

1,0002,5004,0006,0008,000

10,00013,00015,00020,00025,000

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

*Cash Withdrawal from UBL ATM is free

Account Opening at UBL OmniDukaanInitial Deposit requirement*Average Minimum Balancerequirement per Month

Fee For Account HoldersFree

Rs. 100/-

Rs. 15/-

Rs. 100/-

Minimum Balance charges perMonth

* Negotiable for corporate clients

Slab Start1

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

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

Customer Fee (Rs.)60/-120/-180/-240/-300/-350/-400/-450/-

UBL Omni Money Transfer- Account DR

*Outside account opening areaCash deposit at branch is disabled for L0 and L1 accountsPricing for Cash deposit within account opening area at Branch is on L2 accounts onlyPricing for Cash deposit outside account opening area at Branch is on L2 and L3 accounts

Money Transfer From UBL Omni AccountUBL Omni Accountto Person Transfer(SMS* and Omni

Mobile App*)

UBL Omni Accountto UBL Omni Account**Transfer (SMS*, OmniMobile App* and ATM)

Customer Fee (Rs.) Customer Fee (Rs.)51/-102/-153/-204/-255/-298/-340/-383/-N/AN/A

42/-84/-

126/-168/-210/-245/-280/-315/-360/-405/-

25,000+ 2% of transaction amountN/A

SlabEnd

20,00015,00013,000

8,000

1,0002,5004,0006,000

10,000

25,000

SlabStart

11,0012,5014,0016,0018,00110,00113,00115,00120,001

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

* Insurance on money transfer is optional and free for Omni account holders.** UBL Omni Account to Account Transfer from Net Banking is Free

Cash Deposit at UBL Omni Dukaan*and Branch

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/-

25,000+ 2% of transaction amount

UBL Omni Account toUBL Account Non Linked

(ATM, Net Banking &Omni Mobile App)

Customer Fee (Rs.)42/-84/-

126/-168/-210/-245/-280/-315/-360/-405/-

2% of transaction amount

InsurancePremium (Rs.)

23



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

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

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

Transaction Type ATM, Omni Mobile App and Net Banking

* Negotiable for corporate clients**Account limit will supersede

UBL Omni ATMDebit Card

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

Rs. 250/-

Daily Withdrawal Limit**

Rs. 100,000/-

Package Subscription

Omni Semi Annual

Omni Monthly Rs. 150/-

Rs. 500/-

Package Type Customer Fee (Rs.)

30

180

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

Free Transaction

1,0002,5004,0006,0008,000

10,00013,00015,00025,000

11,0012,5014,0016,0018,001

10,00113,00115,000

100/-100/-100/-100/-150/-150/-200/-200/-250/-

Slab Start

Inter - Bank Fund Transfer via UBL Omni Dukaan

Slab End Customer Fee (Rs.)

11,0012,5014,0016,0018,001

10,00113,00115,00125,00140,001

100/-100/-100/-100/-125/-125/-175/-175/-220/-290/-350/-

Slab Start

Fund Transfer into UBL Account via UBL Omni Dukaan

Slab End Customer Fee (Rs.)1,0002,5004,0006,0008,000

10,00013,00015,00025,00040,00060,000

Balance Inquiry.3.


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

24



Annual ATM Card Fee (FirstSupplementary)

0.6% of the initial depositor USD 16 whichever islower

0.6% of the initial depositor USD 7 whichever ishigher

Rs. 50/- (Sales Tax/FEDIncluded)

Rs. 2,500/-

FreeFree

Initial Deposit Cheque Only

International Cheque Clearing Charges(OFBC etc.)

C. UBL NRP Direct Accounts

International Mailing Charges

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

Annual ATM Card Fee (Primary)

54208050

54203800

54207550

57800200

ECM004

ECM004

ECM004

ECM004

FeeTransaction

B. UBL E-Transaction Account

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

54203800 ECM004

FeeTransaction

A. UBL NetbankingTransaction

Door step cheque through Netbanking Rs. 150/- per transaction(Sales Tax/ FED Included)

Inter-Bank Fund Transfer Rs. 150/- per transaction 54200200 ECM004

Fee

25



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.

Annual ATM Card Fee (Primary)Annual ATM Card Fee (FirstSupplementary)

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

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

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

International Mailing ChargesFreeFree

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

Rs. 2,500/-

54203800

57800200 ECM004

ECM004

E. Net Banking Service Charges for Business Accounts

b. Transaction Charges: Business clients would be levied per transaction charges as per the grid mentioned below: (or as per agreement)

ECM004

a. Monthly Subscription Fee

Charges

Corporate Package Rs. 5,000/-54204400

Package Name

3030

1503030303030

150200FreeFreeFreeFree

Utility Bills PaymentFunds TransferIBFT TransactionsMobile Airtime & BillsPrepaid VouchersISP Bill PaymentsOnline ShoppingUBL WIZ ReloadCashier’s Cheque IssuanceCash Over Counter (COC)Schedule Payment FacilityStop Cheque FacilityUBL Bill PaymentsZakat & Donations

TransactionType

No. of MonthlyTransactions

upto 1000

No. of MonthlyTransactions from

1001 5000

No. of MonthlyTransactions

50012020

1002020202020

100150FreeFreeFreeFree

101050101010101050

100FreeFreeFreeFree

Fee per TransactionIV

VI

CONSUMER BANKING

CONSUMER BANKING

26

(with Basic ATM withdrawal Insurance Coverage)

CONSUMER BANKING


1) General Debit / Prepaid Card ChargesA. ATM / DEBIT CARD

Rs.15/-Rs.15/-

a) Switch Transaction Feei)ii)

54204800 106754204830 1068

NIL - Any foreigncurrency transaction(other than US Dollars)will be first convertedinto US dollar as per therate quoted underarrangement with theassociation.

3% of transaction amountb) International Usage Charges

ATM WithdrawalPOS & Internet Purchase

i)ii)

54204850 1051

a) Purchase in Currency other than USD and PKR

Withdrawals on 1 Link ATMs other than UBLWithdrawals on other Switches

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

54200230 1149

1049

e) Charge on Declined POS TransactionFor Local - Incase of Low Balance andExcess Over LimitFor International - Incase of Low Balanceand Excess Over Limit

Rs. 5/-

Rs. 35/-

i)

ii)54204410 1083-

1084

Rs.100/-(Free for UBL Wiz InternetCard & ACCA Card & 3DSecure Debit Cards)

Freed) Internet Usage

Activation ChargesPer Session Charges 54204420 1085

i)ii)

- -

3.5% of transaction amount 54204850 1052c) Balance Inquiry

Rs. 5/- per transactionRs. 100/- per transaction

Within Pakistan from Non 1 Link ATMsFrom Outside Pakistan

i)ii) 54204830 1071

b) Purchase in USD and PKR

g) Proprietary Card (annual fee) Basic Rs. 500/- Supplementary Rs. 300/-h) Visa Gold Card (annual fee) Rs. 600/-i) UBL First Pocket Money Debit Card Free

27

b) Value added ATM withdrawal insurancecoverage (optional)


Rs. 1,000/- per annum 54204750 -b) Value added ATM withdrawal insurancecoverage (optional)

2.a) UBL MegaWallet Debit Card

3).a) UBL Premium Debit Master Card

UBL Premium Debit Master Card

Basic (Issuance & Annual Fee)Supplementary (Issuance & Annual Fee)Replacement

StandardCard

Chip Card NFC Card

Rs.600Rs.350Rs.350

Rs.750Rs.450Rs.450

Rs.1,100Rs.550Rs.550

Free

4).a) UBL WIZ Prepaid Debit CardsStandard

CardChip Card NFC Card

Rs.200 Rs.500 Rs.750

UBL WIZ Prepaid Debit CardIssuanceRe load Fee

From Branch

Refund ChargeACCA Wiz Card

Rs. 100

FreeFrom UBL ATM (From Card to Cardor A/C to Card)From UBL Net Banking

54204750 1044-

54204750 -1046

1044-1046

54204750

1059-1060-1061

54204750

54204750 -

54204950 -

Mega Wallet Debit Card

Basic (Issuance & Annual Fee) Supplementary (Issuance & Annual Fee) Replacement

StandardCard

Chip Card NFC Card

Rs.600Rs.350Rs.350

Rs.750Rs.450Rs.450

Rs.1,100Rs.550Rs.550

(with Basic ATM withdrawal Insurance Coverage)

CONSUMER BANKING


28

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.

b) Value added ATM withdrawal insurancecoverage (optional)


-

-

-

---

-

-

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

-

54204750

-

54204750

54204950

5420480054204830

54204830

-

-

b) For FCY Accounti) Basic Service Monthly Charges equivalent to

Rs. 50/-* ( for first 50 SMS)Equivalent to Re. 1 per SMSthereafter

1) SMS Alert Chargesa) For LCY Accountsi) Basic Service

B. UBL GO GREEN

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

ii) Premium Service Monthly Charges of Rs.100/-*(For first 50 SMS)Equivalent to Re.0.5 perSMS thereafter

54204570

54204570

c)

10002500400060008000

10000

15/-30/-56/-76/-96/-116/-

54204750 -

54204950WIZ Cash Deposit through Omni Agent (Cash-in) -

54204950 -

110012501400160018001

10001130011500120001

10002500400060008000

10000130001500020000

25000+

4/-8/-

15/-23/-29/-35/-40/-45/-51/-57/-

Slab Start SlabEnd

Customer Fee(Rs.)

WIZ Cash Withdrawal from Omni Agent (cash-out) max limitRs. 10,000/-

Slab Start Slab End Customer Fee (Rs.)1

10012501400160018001

CONSUMER BANKING

29


ii) Premium Service Monthly Charges Equivalentto Rs. 100/-* ( for first 150SMS), equivalent to Re. 0.5per SMS thereafter

54302650-

-

-

-

--

Rs. 50,000/- per merchantper annum or as peragreementRs. 40,000/- or as peragreement3.50% per transaction oras per agreement0.78% per transaction oras per agreement

*Mandatory monthly deduction irrespective of number of SMS

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

i) Membership Fee

ii) Merchant Setup Fee (one time)

iii) Discount Rate

iv) Refund/Charge Back Processing

d) Internet Merchant Acquiring

Note:

-

54302350

54302350

5430240054300150


* Charges are quotedby vendor and are subject tochange.

4) Insurance Charges (Credit Protector)

2) Annual Charges (Renewal fee)

3) Late Payment Fee

D. i) UBL CASHLINE1) Processing Fee

0.2% of total monthlyprinciple outstanding

As per the loan documents,or Rs. 2,000/- if not specifiedAs per the loan documents,or Rs. 1,250/- if not specified

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

300454202200

54202200 3002

54205500 3003

54202200 3001/3023/3024/3025

2) Vehicle Evaluation Charges*

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

As per the loan documents,or Rs. 5,000/- if not specified(For Used car financing)

-

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

-

57800710

54202200

As per the loan documents orRs 25,000/- (non-refundable)if not specified (in NRP cases)

6) Repossessed Vehicle Evaluation Charges*

5) Vehicle Re-Possession Charges*

3) Pre - Payment Charges (Full Payoff)


7) Monthly Warehouse Charges

As per the loan documents,or 8% of principal outstandingif not specifiedAs per the loan document,or Rs. 1,000/-Actual incurred by the bankup to Max.of Rs. 50,000/-Actual incurred by thebank up to Max. Rs. 2,500/-As per the loan documents,or Rs. 5,000/- per month,if not specified

54205500 3016

54205500 -

-57800800

54205500 -

-54205550

8) Auction Charges9) Insurance Charges*

Rs. 5,000/-As per the rate quoted bythe Insurance Company

-5780080054302200 3018

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

10) Purchase Order (PO) change of vehicle from Advance booking to Delivery (or) vise versa (Re - issuance of PO)

Upto Rs. 3,000/-

CONSUMER BANKING

30


6) Limit Enhancement Fee7) Debit/ATM Card Annual Fee

5) SMS Alert FeeBasic Service

Premium Service

*Mandatory monthly deduction irrespective of number of SMS

Note:

Rs. 2,000/-Free

Monthly charges of Rs.50/-* (for first 50 SMS)Rs.1 per SMS thereafterMonthly charges of Rs.100/-* (for first 150 SMS)Rs.0.50 per SMSthereafter

54202200 3029

54202200 -

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.

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

54205500 -

E. UBL MONEY1) Pre-payment Penalty

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

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

54205550 -

54205550 3016

2) Pre-payment Penalty1) Processing FeeD. ii) UBL CASH PLUS

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

Rs. 3,000/-54205550 -

54202200 3019

3) Partial Payoff Option Fee As per the loan documents,or 5% of the amount beingprincipal if not specified

54205550 -

Optional. As per the ratequoted by the InsuranceCompany.


5) Property Insurance*

6) Life Insurance*

As per the loan documents,or Rs. 1,000/- per installment,if not specifiedAs specified in the loandocuments, or actual(max of 3%) if not specified

54205500

54205500

54205500

3016

-

-

F. UBL ADDRESS1) Processing Charges As per the loan documents,

or Rs. 5,000/- (non-refundable),if not specified.As per the loan documents orRs 25,000/-(non-refundable)if not specified (In NRP cases)

54202200 3017

3) Legal Charges*

2) Appraisal Charges* As per the loan documents,or Rs. 4,000/- (non-refundable),if not specified.As per the loan documents, orRs.10,000/- (non-refundable)if not specified (In NRP cases)

57800600

54202200

-

-

As per the loan documents,or Rs. 4,000/- (non-refundable),if not specified.As per the loan documents, orRs.10,000/- (non-refundable)if not specified (In NRP cases)

CONSUMER BANKING

31



8) Pre-payment Penalty (Full Payoff)

7) Partial Payoff

9) Refund CCs

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

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

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

54205550

54205550

54200100

-

-

-

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.

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

3% of the amount withdrawnor Rs. 750/-(whichever is higher)

543013005430135054301400

SilverGold

Platinum

39.99%39.99%Up to 24%

526009005260093052600960

SilverGold

Platinum

-

29%Up to 30%

3 months 3.75% of balancetransfer6 months 7.5% of balancetransfer9 months 11.25% of balancetransfer12 months 15% of balancetransfer

13) Cash Advance Fee

Annual Supplementary Card Fee (with basicATM withdrawal insurance coverage)

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

54300550

54300750

54300650

-

-

-

---

G. CREDIT CARDSAnnual Membership Fee(with basic ATM withdrawal insurance coverage)

1) Rs. 2,000/- (Silver)Rs. 4,000/- (Gold)Rs. 6,000/- (Platinum)

543005505430060054300650

Chip Maintenance Fee -2)a) Basic

b) Supplementary

Rs. 500/- (Silver)Rs. 750/- (Gold)Rs. 1,000/- (Platinum)Rs. 250/- (Silver)Rs. 375/- (Gold)Rs. 500/- (Platinum)

4) Corporate card - Annual Membership Fee Normal Rs. 5,000/-Gold Rs. 7,500/-

5) Corporate card - Chip Maintenance Fee Normal Rs. 750/-Gold Rs. 1,000/-

6) APR - Retail Transaction7) APR - Cash Advance8) APR - BTF (Open & Regular)

10) APR - Lite Installment Plan11) APR - Cash on Phone12) Minimum Monthly Payment

9) Processing Fee for BTF 0% Markup

CONSUMER BANKING

32


14) Late Payment Fee Rs. 1,250/- 543010005430105054301100

SilverGold

Platinum

16) Credit Guardian (Insurance) - Optional** 0.79% of the monthlyoutstanding balance

54302150 -

15) Over Limit Fee* Rs. 1,200/- 54300850

5430095054300850

SilverGold

Platinum

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

54302200 -

Plan A- Rs. 49/- per childper monthPlan B - Rs. 98/- per childper monthPlan C - Rs.125/- per childper month

18) Child Education Plan** 54302200

54302200

54302200

-

-

-

24) a) Card Replacement Fee-Silver & Gold

b) Card Replacement Fee Platinum

Rs. 500/- Upon CustomerrequestRs. 1,000/- Upon Customerrequest

5430145054301550

-

Rs. 50/- per transaction

3% of the transactionamount

USD 500/- or equivalent

Rs. 50/- per month

25) Utility Bill Payment

27) VISA/ MasterCard Arbitration Charges for Disputed Transactions28) SMS Alert Fee

26) Foreign Transaction Charges***

54301900

54300200

70502500

-

-

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

54302200 -

20) Booking Charges - Balance Transfer (Open)

21) Booking Charges - Lite Installment Plan

Rs. 350/-

Rs. 400/- per transactionor 1% of transactionamount (whichever ishigher)

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

54302700

54301150

54301250

-

SilverGold

Platinum

Rs. 500/- per transactionor 1% of transactionamount (whichever is higher)

22) Booking Charges Cash on Phone

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

5430115054301250

b) Hospital Cash Plan - Deluxe** 54302200 -

USD 35/- per requestUSD 250/- per request

FreeUSD 35/- per visit

30) Global Customer Assistance Service - Fee a) Lost & Stolen Card b) Emergency Card Replacement - VISA Gold & Platinum

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

29) Platinum Priority Pass Fee

-

-

54302050

54301450

-

-

-

CONSUMER BANKING

33


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

54300500 -

Total number of free visits in a month wouldbe 8 for both Primary & Supplementarycombined.The charges would be applicable from the9th visit onwards in a month if the total

Rs. 1,200/-

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 225/- per request

USD 175/- per requestUSD 50/- per request

USD 7.50/- per request

Rs. 35/- per statement(not applicable on creditcard)Rs. 700/- per cheque

Rs. 250/- per pickupRs. 1000/-*

H. GENERAL CONSUMER BANKING CHARGES

1) Duplicate Statement

2) Cheque Return Charges (not applicable on term loans)3) Collection on Customer Call4) UBL Airport Lounge Charges (Karachi Airport)

*Exceptions apply for Gold Credit Card and Platinum Credit Card Customers

54203700

54202250

-

-

combined account level spending is less thanRs.50,000 in a month.If the combined account level spending isRs.50,000 or more than 8 additional visitswould be given free. After that every extra visitwill be charged accordingly.

Important Points: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.

* If assigned credit limit is exceeded due to any charge/s mentioned in the prevailing Scheduleof Charges , customer will be charged Over Limit Fee.This is a third party insurance product. UBL is acting as a distributor of EFU InsuranceCompany and Premium amount will be charged with the consent of the customer. Chargesare quoted by vendor and are subject to change.Foreign transaction charges apply on purchases made in foreign currency AND/OR where theMerchant is residing outside the country or the settlement currency is other than localcurrency and processes the transaction in its local currency.

**

***

Notes:

INTERNATIONAL BANKING

34



35


a) Issuance of Letter of Credit

A. IMPORTS1) Cash Letters of Credit:

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

2) Revalidation commission

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

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 d) L/C cancellation charges

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

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

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

Transfer commission willbe charged as applicablein case of fresh Letter ofCredit

Upto 0.40% for 1st Qtr orpart thereof, Upto 0.25%,for subsequent Qtr,Min Rs. 2,200/-Revalidation Commissionto be charged from the datesubsequent to the date ofexpiry of LC at ratesapplicable in case ofopening of fresh LC.

1.0% on 1st Qtr and 0.30%for each subsequent Qtr orpart thereof,Min. Rs.1,500/-Commission @ 0.40% perQtr or part thereof,Min. Rs.2,500/-Commission @ 1.6% perannum,Min. Rs.2,000/-

Rs. 2,000/- plus swiftcharges Rs. 1000/- flat &communication charge (atactual)

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

Handling chargesRs.7,500/- (flat)

a) Rs.1,500/-per bill (flat)b) Extra Commission@ 0.10% per month or partthereof from any periodbeyond the L/C validity tillmaturity of the bill.

54206050

54206100

5420675054206000

54206000

54206000

54206000

54206000

54203150

54206150

54208800

-

AMC

-

--

-

LCN

-

-

HDCLEC

LOC

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.

8) Contract registration for import on annual volume basis

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/-

Rs. 1,500/- per amendment(flat) or commission at ratesspecified under items 1 and 4(a) above, if amendmentincrease in amount orextension in period ofshipment.

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

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

CRC

AMC

CRC

HDCRTCSWS

54206200

54206050

54206200

542067505420640057800400


36


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

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

e) Transfer of Export

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

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

17) Handling of discrepant documents under Import L/Cs

B. EXPORTS

13) Import bills returned unpaid

14) a) Collections

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

16) Reimbursement charges (payable to Reimbursement Bank)

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

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

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

b) Import against advance payment to suppliers

d) Confirmation

1) Processing charges for Export Registration2) Letter of Credit

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

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

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

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

22) Duplicate advice issuance

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

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

30 paisas per Rs.100/-


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

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

At Actual

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

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

No Commission


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

Rs.600/-(flat)

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

Rs.200/- (flat)

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

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

Rs 1,500/- per certificate

1,500/- (flat) per bill

Actual + USD 25/-or equivalent

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


Rs. 1,500/- (flat)

54206850

54206750

54206750

57800500

54206400

54206400

52700430

542067505420640057800400

54206550

54206550

5420645054206450

5420645054206450

52700430

54206600

-

54206750

5420685054206420

54206750

54206850

HDC

RTC

RTC

-

DEC

HDC

-

---

ELC

ADC-

ADCADC

ADAADA

-

-

-

--

-

-


37


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.

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

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

3) Advance Payment a) Service charges b) Commission

c) Export Development Surcharge

4) EDS handling charges

6) Collections a) Clean cheques / Drafts / FTCs b) Documentary (on which bank does not earn any exchange difference)7) Duty Drawback Claim

9) NOC Issued Document transferred against Export document

10) Freight Subsidy11) Research & Development Surcharge - R&D handling charges

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

a) Originalb) Duplicate

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

17) Sales Tax / FED invoice certificate

18) Export LC Cancellation

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

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

Rs. 80/- (flat) per transaction

0.15% Min Rs. 400/-Rs. 240/- (flat)

Rs.100/-Rs. 240/- per collection (flat)

15 Paisas per Rs.100/-

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

Rs. 600/- (flat)

Rs. 400/- per case0.25% of the amount of claim,Min Rs. 250/- per case

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



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

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


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

Rs. 400/-(flat)


5420785054206650

54206750

54206850

54206600/54206850

54206600

41400700

54206600

54206600

54206600

52600330

52600330

54206600

54206450

54206600

41800800

54206600

54206800

40244023

HCH

-

-

ESC/SCH

EBC

-

-

-

-

-

EMU

EMU

EBC

CAN

-

-

EDSAs per prevailing SBPregulations (as and whenthe shipment is effected).


38


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

C. REMITTANCES1) Outward

a) Remittance abroad through Foreign Currency Account

19) Export Proceeds Transfer

i) Issuance of FDD / FTT 54207550

54206600

4002

EBC

Current FCY Accounts:Commission @ 0.12% perUS$1,000/- or part thereof,equivalent for othercurrencies, Min. US$6/-,Max US$30/- or equivalentfor other currencies.Saving FCY Accounts:Commission @ 0.25% perUS$1,000/- or part thereof,equivalent for othercurrencies, Min. US$12/-,Max US$60/- or equivalentfor other currencies.In addition, SWIFT messagecharges and foreign bankcharges also apply.

0.7%, Min USD 8, Max USD 18

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

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

Min Charges : US $10or equivalentMax Charges: US $ 125or equivalent

or equivalent Rupees percollection, (In addition toforeign bank charges)

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

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

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

54207570

54207550

54206760

4003

4004

4005

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

US $50/- or equivalent

Rs. 200/- plus foreign bankchargesCommission mentionedunder (a) (i) above plusSWIFT charges

vi) Investigation Charges on FDD (older than 1 year)

v) A/c to A/c Funds Transfer of Foreign Exchange Companies in Foreign Currency A/c (having same title of A/c) within UBL Branches (Locally)

c) Remittance abroad other than through Foreign Currency A/c i) Students (for education purpose)

ii) Commission against issuance of FDDs / FTT from PKR Account (Not Applicable on Advance payment imports)

54200240

54207600

54207660

4006

4007

4008


39


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

iii) Commission against issuance of FDD/FTT against Export

d) i) FDD / FTT cancellation charges

ii) Under general permission or specific approval of SBP

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

@ 15 paisas per Rs.100/-,Min. Rs. 500/- In additionto Commission mentionedunder (a) (i) above plusSWIFT chargesRs. 500/- per item plusSWIFT charges. Foreignbank charges also applyincase of FDDcancellationRs.500/-

54207850

54207750

54202450

54207750

-

4010

-

4011

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

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

iii) FDD / FTT cancellation charges against Export

e) i) Issuance of duplicate FDD

ii) Issuance of duplicate FDD under Export

b) Others

2) Inward a) Home Remittance

Rs. 1,000/- per cancellationplus SWIFT charges.Foreign bank charges alsoapply incase of FDDcancellation.Rs. 500/- flat plus SWIFTcharges (if appliable).Foreign Bank Stoppayment charges alsoapply.Rs. 500/- flat plusSWIFT charges (ifappliable). ForeignBank Stop paymentcharges also apply.

Free from all associatedcharges

54207750

54207700

54207700

54207850

-

4012

4013

4014

-

-

i) Collection for Foreign Currency A/c or Rupee A/c

d) Direct Collection5420760054207550

Rs. 500/- (flat) inadditionto foreign bank charges

ii) Cheque/Draft/FTCs Returned unpaid 54203710

0.7%, Min USD 8, MaxUSD 18 or EquivalentRupees per collection (inaddition to foreignBank charges) plus postagecharges of Rs. 1,400/-


40


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

b) Negotiation (Usance)

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

8) Standing instructions charge in Foreign Currency A/c

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

6) Credit check at customer's request

D. MISCELLANEOUS

1) Correspondent Banking charges

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

2) Foreign bills sent for collection returned unpaid

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)5) Issuance of proceeds certificate beyond one year

USD 5 per USD 1,000 orpart thereof and Max.USD 15

Rs.500/- (flat) per certificate


If 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.

If 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.

USD 5/- or equivalent pertransaction

Rs.500/- per instanceRs.50/- (flat)

At ActualRs.500/- (flat)

Commission @ 0.15%,Min. Rs.400/-

5420685054206850

52600301

52600301

54206850

5420685054206850

54208000

54203700

54203700

54203700

54206850

--

-

-

-

--

-

-

-

-

-

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

41



42



4) Swift a) Full Text LC / 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) OthersRs. 75/- flatRs. 200/- flat

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

Rs. 250/-

Rs.2,000/-flat

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

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

Rs.1,000/-flat

Free

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.•

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

43

44

DOMESTIC BANKING

DOMESTIC BANKING

45


DOMESTIC BANKING

A. REMITTANCES

b) Cancellation of Cashier's Cheque /CBC 54200150 1010

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

Note:

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

Through AccountThrough Cash (For account holder &non account holder)

0.2% or Rs.1,000/-whichever is higher

Free54200100

54200110

1009

1009

Free

c) Issuance of Duplicate Cashier's Cheque /CBC 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

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

Note:

Free

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

Rs. 400/- (flat)

54200120

54200100

54200250

1011

1009

- c) Inter Bank Fund Transfer - IBFT via Branches (To all other banks within Pakistan only; charges are to be recovered from the remitter)

5) Duplicate COII Issuance Charges6) DD/MT/PO Cancellation Charges

Rs. 250/- (flat)Rs. 500/- (flat)

5420040054200150

11111010

(Charges are to be recovered from theBeneficiary)

e) UBL Cheque Deposit

ii) Intercity

Free

0.10% or Min Rs. 375/-whichever is higher

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

FreeFree

54203670 1006

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

FreeFree

54200200 1007

Issuance of COIIFor Account holders

4)Free

54200240 1007

a) Within City

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

Freeb) Intercity Free

d) Cash Withdrawals (Charges are to be recovered from the account holder) i) Within City ii) Intercity

FreeFree

54203680

54200280

1008

1015

Through Account FreeThrough Cash (for Account Holder andnon account holder)

i) Within City and within the catchment area of one clearing house

For Account Holder For Non- Account holder 500/-(Flat)

46


DOMESTIC BANKING

Where Online system is down, remittance may be sent by other means but Inter Branch OnlineTransactions charges will be recoveredSee Misc. for waivers on Ameen Business 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.

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.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.

B. BILLS

c) Deduction of Cashier's Cheque Issuance Charges in Direct Collection where NIFT/NBP services are not available

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

Free 54201450 1014

Free 54203660 1089

Rs. 200/- (flat) plus couriercharges or actual whereverapplicable

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) Fee and charges in respect of Project Financing

Upto Rs. 1 mIn

3) Non-Refundable Processing Fee for SME / Commercial Financing including Funded and Non-Funded Facilities

b) Legal documentation fee for Trade Related / Project Finance

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

d) Restructuring and Re-scheduling fee

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

2) Evaluation charges of property for security Purpose

C. PROJECT FINANCE /ADVANCESFollowing charges may be recovered in additionto profit on investment

a) Project evaluation / Appraisal fee

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


On case to case basis asper agreement with theparty.On case to case basis asper agreement with theparty.

On case to case basis asper agreement with theparty.At Actual


54202200

57800600

54202100

54202150

54202150

54202000

54202000

2007

-

2003

2004

2006

2005

2001

47


DOMESTIC BANKING

Above Rs. 100 mln

4) For finance against pledge / hypothecation:

a) Godown Rent

b) Godown staff salaries of Godown Keepers / Chowkidar.

c) Godown Inspection Charges

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

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

Above Rs.1 mIn and upto Rs.100 mln

a) 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.

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

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

e) CIB Report

h) Marking of lien on securities issued by UBL Ameen for other banks

5) Other Charges on Advances / Financing

i) For Individualii) For Corporate Entities

ii) Outside the above limits

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

g) Handling charges on marking of lien on Shariah Compliant Govt. Securities

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

At Actual

Shall be credited to Bank'sIncome Account

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

At Actual

Plus actual conveyancecharges(Max. one visit per month)

Fresh/ enhancement/renewal CA Rs. 7,500/- or0.05% of facilities amount,whichever is higher.

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

At Actual

At Actual



Rs. 50/- (flat)Rs. 50/- (flat)


At Actual

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

54202250

54202250

54202250

54202250

54202250

57800500

54202300

54202300

57800500

54202250

57800700

54202250

2008

2009

2010

2010

2010

2013

2014

2015

2016

2011

2012

2010

b) Vacation of Charges Rs.1,000/- per property 57800500 2019

48


DOMESTIC BANKING

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

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

7-a) Registration with SECP & Lawyer's charges for both Private & Public limited companies where charge on current or fixed assets is registered

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


Rs.2,500/- (flat) perproperty



57800500

57800500

57800500

57800500

2017

2018

2020

2021

2) Stop payment Charges per Dividend Warrant

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

Rs.150/- flat 54208050 -

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

54208050 -

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

54202700 -

Note:In addition to above, 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 Regional BusinessHead / Divisional Head.No special waiver for current account holder will be allowed until approved / waived across the boardfor all account holders.In addition to the charges above, all applicable Government levies will also be recovered.

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 Regional BusinessHead / Divisional Head.In addition to the charges above, all applicable Government levies will also be recovered.

* Late payment charges will be recovered onceannually after rent is overdue for more than30 days and shall be disbursed in the charityAccount.

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

c) Breaking Charges

10%* of the applicableannual locker rent every year

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

54205500

54202850 1020

1019

Note:

-

4) LockersSafe deposit lockers fee to be recovered in advance at the commencementof the period

54202850 1017

4180510041802600

Key deposit & Security deposit Amount will be refundable at the time of vacation of locker.

a)

with A/cwithout A/c

40,000/- 70,000/- 100,000/- 140,000/-

Option No. 1 Annual Fee/Rented LockerNote: Key deposit to berecovered

Small

3,000/- 4,000/- 6,000/- 10,000/-

Medium Large Extra Large

3,000/- 3,500/- 4,000/- 5,000/-Key Deposit (One time only)

Option No. 2 Security DepositNote:a) No locker rent to be recoveredb) Key Deposit to be recovered

49


DOMESTIC BANKING

E. GUARANTEES

Guarantees Amount Range

Service Charges per

quarter or part thereof

18,750

1,250

3,250

4,500

6,250

8,750

11,250

13,750

16,250

21,250

23,750

26,250

28,750

31,250

33,750

36,250

38,750

41,250

43,750

46,250

48,750

56,250

68,750

81,250

93,750

106,250

118,750

105,000

115,000

125,000

135,000

145,000

155,000

165,000

175,000

185,000

195,000

179,375

9,375

625

1,625

2,250

3,125

4,375

5,625

6,875

8,125

10,625

11,875

13,125

14,375

15,625

16,875

18,125

19,375

20,625

21,875

23,125

24,375

28,125

34,375

40,625

46,875

53,125

59,375

52,500

57,500

62,500

67,500

72,500

77,500

82,500

87,500

92,500

97,500

89,688

From

UPTO

500,001

800,001

30,000,001

32,500,001

35,000,001

37,500,001

40,000,001

42,500,001

45,000,001

47,500,001

50,000,001

10,000,001

12,500,001

15,000,001

17,500,001

20,000,001

22,500,001

25,000,001

27,500,001

4,500,001

5,000,001

5,500,001

6,000,001

6,500,001

7,000,001

7,500,001

8,000,001

8,500,001

9,000,001

9,500,001

1,000,001

1,500,001

2,000,001

2,500,001

3,000,001

3,500,001

4,000,001

Amount in PKR

Service Charges subsequent

quarter or part thereofTo

4,000,000

500,000

800,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

3,500,000

4,500,000

5,000,000

5,500,000

6,000,000

6,500,000

7,000,000

7,500,000

8,000,000

8,500,000

9,000,000

9,500,000

10,000,000

12,500,000

15,000,000

17,500,000

20,000,000

22,500,000

25,000,000

27,500,000

30,000,000

32,500,000

35,000,000

37,500,000

40,000,000

42,500,000

45,000,000

47,500,000

50,000,000

52,500,000

188,125

196,875

205,625

214,375

94,063

98,438

102,813

107,188

52,500,001

55,000,001

57,500,001

60,000,001

55,000,000

57,500,000

60,000,000

62,500,000

50


DOMESTIC BANKING

223,125

231,875

240,625

249,375

266,875

275,625

284,375

293,125

301,875

310,625

319,375

328,125

336,875

345,625

111,563

115,938

120,313

124,688

133,438

137,813

142,188

146,563

150,938

155,313

159,688

164,063

168,438

172,813

95,000,001

97,500,001

85,000,001

87,500,001

90,000,001

92,500,001

70,000,001

75,000,001

77,500,001

80,000,001

82,500,001

62,500,001

65,000,001

67,500,001

65,000,000

67,500,000

70,000,000

72,500,000

77,500,000

80,000,000

82,500,000

85,000,000

87,500,000

90,000,000

92,500,000

95,000,000

97,500,000

100,000,000

2) Guarantees secured by cash margin / lien over deposits3) Consortium / Syndicate Guarantees

5) Amendment

0.05% per quarter or partthereof, Min. Rs.500/-

as per GuaranteesAmount Slab/RangeMin US $100

Rs.1,500/- (flat)

As per Term Sheetapplicable for the entireSyndicate members

as per Guarantees AmountSlab/Range Min US $100

Rs.1,200/- per amendment(flat) or plus slabs specifiedabove if amendment involvesincrease in amountor extension in period. Incaseof back to back Guarantee:USD 75 or plus slabsspecified under item 4 (a) and(b) above, if amendmentinvolves increase in amountor extension in period.

Rs 1,800/- (flat)


54203150

54203000

31501020

54203150

54203150

54203150

54203150

BGC

SGT

MO2 /MO3

-

BGC

BGC

BGC

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

b) Counter Guarantee issued by us for guarantee issuance abroad

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

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

6) Service charges for handling claims lodged by beneficiary

All guarantees amount exceeding Rs 100 million shall attract additional service charges of Rs.4000/- per 1 Million (per quarter or part thereof) & Rs 2,000/- for subsequent quarter

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, service charges, recovery of courier/postage / fax chargeswill also be recovered according to prescribed tariff (wherever applicable)

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 Regional BusinessHead / Divisional Head.

Over Rs 100 Min Negotiable Minimum service charges Rs 2,000/- per annum per guaranteeor Rs 600/ per qtr wherever guarantee validity is less than one year. Charges may be waivedagainst 100 % cash kept in Margin Account.

Note:

F. LOCAL TRADE BUSINESS

UPT 500,000

800,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

3,500,000

4,000,000

4,500,000

5,000,000

5,500,000

6,000,000

6,500,000

7,000,000

7,500,000

8,000,000

500,001

800,001

1,000,001

1,500,001

2,000,001

2,500,001

3,000,001

3,500,001

4,000,001

4,500,001

5,000,001

5,500,001

6,000,001

6,500,001

7,000,001

7,500,001

Per quarter or part thereof

Minimum Rs. 2,200

(Inland Letter of Credit)

From To

32,500,000

35,000,000

37,500,000

40,000,000

42,500,000

45,000,000

47,500,000

50,000,000

52,500,000

55,000,000

57,500,000

8,500,000

9,000,000

9,500,000

10,000,000

12,500,000

15,000,000

17,500,000

20,000,000

22,500,000

25,000,000

27,500,000

30,000,000

8,000,001

8,500,001

9,000,001

9,500,001

10,000,001

12,500,001

15,000,001

17,500,001

20,000,001

22,500,001

25,000,001

27,500,001

30,000,001

32,500,001

35,000,001

37,500,001

40,000,001

42,500,001

45,000,001

47,500,001

50,000,001

52,500,001

55,000,001

60,000,000

62,500,000

65,000,000

57,500,001

60,000,001

62,500,001

51


DOMESTIC BANKING

2,200

2,600

3,600

5,000

7,000

9,000

11,000

13,000

15,000

17,000

19,000

21,000

23,000

25,000

27,000

29,000

31,000

33,000

35,000

37,000

39,000

45,000

55,000

65,000

75,000

85,000

95,000

105,000

115,000

125,000

135,000

145,000

155,000

165,000

175,000

185,000

195,000

205,000

215,000

225,000

235,000

245,000

255,000

52


DOMESTIC BANKING

67,500,000

70,000,000

72,500,000

75,000,000

80,000,000

82,500,000

85,000,000

87,500,000

90,000,000

92,500,000

95,000,000

97,500,000

100,000,000

265,000

275,000

285,000

295,000

315,000

325,000

335,000

345,000

355,000

365,000

375,000

385,000

395,000

65,000,001

67,500,001

70,000,001

72,500,001

77,500,001

80,000,001

82,500,001

85,000,001

87,500,001

90,000,001

92,500,001

95,000,001

97,500,001

NOTE:LC service charges in case of Import Murabaha / Import Ijarah will be built in murabaha cost / Ijarah installmentDiscount may be offered to customers in the above mentioned charges subjectto the Regional Head's approval.All LC amount exceeding Rs.100 Million shall attract additional service chargesof Rs. 5,000/- (First Quarter) per Rs. 1 Million each (or part thereof) andRs. 2,500/- (for Subsequent Quarter)

ii) If bill matures after expiry of LC

1) Local Imports LC a) Inland Letters of Credit issuance

b) Inland LC Amendment charges

i) LC Issuance

c) Swift Charges

ii) Amendment Issuance


f) Inland LC Cancelation Charges

2) Local Import Bills a) Sight Bills

e) Sales Tax/ FED invoice certificate

b) Usance Bills

i) Collection Charges

c) Payment of Bill drawn under Inland LC

Rs.1,500/- (flat) pertransaction plus charges asper itema) above if increase inamount.


as per Letter of credit(Inland) grid




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


0.40% per bill Min. Rs.1,500/-

Charges under b) i) plusdelivery of documentsagainst acceptancecommission @ 0.10% permonth on bill amountrealization from the date ofexpiry of LC

Payment commission;Rs.600/- (flat)

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

54206000

54206050

57800400

54206100

57800500

54206850

54206750

54206400

54206300

54201000

LOC

AMC

SWF

-

-

LCN

HDC

RT1

LEC

POC

53


DOMESTIC BANKING

f) Documentary collection other than those drawn against LC)

e) Handling of Inland LC Documents with discrepancies

d) Inland LC Documents Returned Unpaid

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

iv) Inland LC Confirmation charges

a) In Land Export LC Advising3

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

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

i) Collection charges for inland LC / restricted LC

ii) If negotiation is restricted to some other bank

c) Duplicate Advices

iii) Postage/Courier Charges for LCs & Amendments Advising

d) Sales Tax/ FED Invoice Certificate

g) Export LC Cancellation

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

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

Rs.3,000/- (flat) percertificate

As per FIG arrangement

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


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

Rs. 250/- per duplicateadvise

Rs. 150/-

Rs. 1,000/- per certificate

0.4% Min Rs. 500/- Pluscommunication charges0.4% Min Rs. 500/- Pluscommunication charges

Rs.1,500/- plus swift chargeRs. 1,000/- flat &communication charges

e) Documentary collection (drawn against LC)

54206850

54207650

54206850

54206550

54201100

5780020054206500

54201200

57800200

54206850

54206850

52600330

54206600

54206600

54206450

DEC

HDC

-

ELC

ADCADACOU

-

COU/CO1

-

-

-

-

CAN

Note:In addition to above, service charges, recovery of courier/postage/telex/fax/cable charges will alsobe made according to tariff (wherever applicable)Charges negotiable on case to case basis under approval of relevant Regional HeadIn addition to the charges above, all applicable Govt levies will also be recovered

(B)If bill matures after expiry of L/C(Acceptance)

From To

1,000,0011,500,001

2,000,0012,500,001

3,000,0013,500,001

4,000,001

UPT 1,000,0001,500,0002,000,000

2,500,0003,000,000

3,500,0004,000,000

4,500,000

Minimum Rs. 1,200

Per month or part thereof

1,200

1,2501,750

2,2502,750

3,2503,750

4,250

54


DOMESTIC BANKING

If the maturity of the bill falls within L/C validity no acceptance charges will be recoveredIf the bill falls due for payment beyond the validity of the L/C then the above service chargesWill be charged per month from the L/C expiry date till the date of actual bill retirementAll acceptances over Rs 100 Million shall attract additional charges of Rs.750/ perrupees 1 Mi l l ion each(month ly or par t thereof)The Regional Head, at its discretion, may offer reduced rates to the customer

Note:

4,500,0015,000,001

5,500,001

6,000,0016,500,001

7,000,0017,500,001

8,000,0018,500,001

9,000,0019,500,001

5,000,0005,500,000

6,000,000

6,500,0007,000,000

7,500,5008,000,000

8,500,0009,000,000

9,500,00010,000,000

4,7505,250

5,750

6,2506,750

7,2507,750

8,2508,750

9,2509,750

10,000,00112,500,001

15,000,00117,500,00120,000,001

22,500,00125,000,001

27,500,00130,000,00132,500,00135,000,001

37,500,001

40,000,00142,500,001

45,000,00147,500,00150,000,00152,500,001

55,000,001

12,500,00015,000,000

17,500,00020,000,00022,500,000

25,000,00027,500,000

30,000,00032,500,00035,000,00037,500,000

40,000,000

42,500,00045,000,000

47,500,00050,000,00052,500,00055,000,000

57,500,000

11,25013,750

16,25018,75021,250

23,75026,250

28,75031,25033,75036,250

38,750

41,25043,750

46,25048,75051,25053,750

56,250

75,000,001

57,500,00160,000,00162,500,001

65,000,001

67,500,00170,000,001

72,500,00177,500,000

60,000,00062,500,00065,000,000

67,500,000

70,000,00072,500,000

75,000,00076,250

58,75061,25063,750

66,250

68,75071,250

73,750

97,500,001

77,500,00182,500,00185,000,001

87,500,001

90,000,00192,500,001

95,000,001100,000,000

80,000,00085,000,00087,500,000

90,000,000

92,500,00095,000,000

97,500,00098,750

78,75083,75086,250

88,750

91,25093,750

96,250

55


DOMESTIC BANKING

Duplicate Account Statement Free

AMEEN BUSINESS ACCOUNT (ABA) WAIVER GRID

Eligible for 100% waiver of Schedule of Charges for the following servicesOnline Transactions country wideAmeen VISA Debit CardCheque Book IssuanceIssuance of Cashier's Cheque / (Pay Order)Stop Payment Charges of InstrumentReceipt of Over the Counter CashCancellation of Cashier's Cheque / Pay OrderCheque Return UnpaidClean Bill for CollectionSMS AlertsDuplicate Cashier's Cheque / (Pay Order)

abcdefghi

kI

Note:Minimum daily Average Balance for waiver grid Rs 25,000/-In addition to above, service charges , recovery of courier/postage /telex/fax/cable charges will also be madeaccording to tariff wherever applicableCharges negotiable on case to case basis under approval of relevant Regional Head.In addition to the charges above, all applicable govt levies will also be recovered.

i)ii)

iii)iv)

FreeFreeFreeFreeFreeFreeFreeFreeFreeFreeFree

j

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

Per Transaction Charges (PKR)Rs. 220/-Rs. 330/-Rs. 550/-Rs. 220/-Rs. 330/-

11) 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)

10) Statement of Profit Earned & WHT / Zakat Deduction

12) Charges on Dividend Warrants handling / payment to be recovered from Dividend delivering company

4) Charges on Encashment / Collection of profit coupons for certificates issued by other banks5) Credit information report including credit report on Foreign Supplier / Buyers

a) Within City Report

b) Foreign Report

c) If requested by Banks/DFIs.6) Standing instructions fee to be recovered in addition to the usual charges on remittance, if any7) Emigration Certificate8) Proprietorship Certificate9) No Objection Certificate (NOC)

Rs. 250/- per verification

Free

i) Minimum @0.50% per Dividend Warrant or Rs. 150/- whichever is higherii) Out of pocket expense Rs.10,000/-

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

Rs.300/- per scrip

Actual Foreign Agentscharges equivalent in Pak.Rupees Plus Rs. 600/-service chargesFreeRs.200/-per attempt

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

54204500

54204100

54208050

54208050

54208050

-

54204050

54204100

54204100

5420410054204150

-

1042

-

-

-

-

1064 -1075

1040

1040

10401041-1941

G. Miscellaneous- -

54203500 1005

54203550 1026

- -

FreeFree

Rs.500/- per cheque

1) a) Delivery of Statement of account (Mandatory)b) Duplicate/On-Demand Statement of Account

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

2) Issuance of SBP/ NBP cheques / Special Clearing (Upon Customer request only)

13)

Rs. 15/- per leaf 54203750 1079

56


DOMESTIC BANKING

7) Charges of Voice Biometric per year

4) Handling charges for issuance of Student Exchange Remittance permit and maintenance of record for subsequent remittances5) Issuance of Balance/Account maintenance certificate on customer's request6) Charges for same day collection/clearing cheque through NIFT

9) Charges for cheque return unpaid

8) Stop payment charges of Cheque /TT/PO/DD

*one instruction may include advice for series/multiple instructions

Note:

Upto Rs. 500/-

Rs. 300/- per case


Rs. 500/- (flat) per instrument

For PKR. A/c - Rs. 400/-(flat) per instruction*For F.C A/c - US $ 10/-per instruction*GBP 6/- per instruction*EURO 7/- per instruction*AED 35/- per instruction*SAR 35/- per instruction*

-

54203600

54203500

54203650

54203700

54202650

-

1027

-

1030

1032/1033

1004

No joining fee. Annual fee to be recovered in advance. No refund on account closure.In addition to above, commission/service charges, recovery of courier/postage fax charges willalso be made according to prescribed tariff (wherever applicable).Charges negotiable on case basis under approval of relevant Regional Head.In additional to the charges above, all applicable Government levies will also be recoverd.

10) a) Cost of Issuance of all Currency Cheque Books

i) MICR

ii) NON - MICR

For Accounts

Charges as in 10(a) above plusactual cost of cheque bookOn case to case basis, asper agreement with the party

Rs. 12/- per leaf (flat)54203750 1003

c) Corporate Customer's Cheque Books/Leaves

b) Cost of issuance of customized cheque books

11) Salary & Pension disbursement charges. **No charges to be recovered from Govt. & Semi Govt. Organizations and their employees/ retired employees

Min Rs.75/- per transactionfrom remitting organization’smain account (or as peragreement)

54203850 1034

54203900

12) Photocopy of a paid cheque returned to customer

Within 1 yearAbove 1 year

103654203900 1037-

1038

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

Charges perCheque}

a) Outward Clearing Free

PKR 400/-, USD 5/-GBP 3/-, EUR 4/-AED 20/-, SAR 20/-

b) Inward Clearing

57

CONSUMER BANKING

CONSUMER BANKING

NIL - Any foreigncurrency transaction(other than US Dollars)will be first convertedinto US dollar as per therate quoted underarrangement with theassociation

Visa GoldVisa ClassicPremium MasterCard

58


CONSUMER BANKING

A. ATM / DEBIT CARDGeneral Debit / Prepaid Card Charges

a) Annual Charges

a) Purchase in Currency other than USD and PKR

b) Card Replacement Fee (Upon Request

ATM Withdrawal

POS & Internet Purchase

i)

ii)

d) International Usage Charges

c) Switch Transaction Feei)ii)

Withdrawals on 1 Link ATMs other than UBLWithdrawals on other Switches

54204850

5420480054204830

1051

10671068

*Mandatory monthly deduction irrespective of number of SMSb) E-Statement i) Statement of Account through E-mail

Note:

Free - -

350/-150/-350/-

600/-300/-600/-

SupplementaryBasicCard Type

3% of transaction amount

Rs.15/-Rs.15/-

Rs.350/-

1) SMS Alert Charges

i) Basic Service

ii) Premium Service

B. UBL GO GREEN

a) For LCY Accounts

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

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

54204570

54204570

-

-

b) For FCY Accounti) Basic Service Monthly Charges Rs. 50/-*

( for first 50 SMS) Equivalentto Rs. 1 per SMS thereafter

ii) Premium Service Monthly Charges Rs. 100/-*( for first 150 SMS) Equivalentto Rs. 0.50 per SMS thereafter

Rs.100/-Free

Rs. 5/- per transactionRs. 100/- per transaction

3.5% of transaction amount

Within Pakistan from Non 1 Link ATMsFrom Outside Pakistan

f) Internet UsageActivation ChargesPer Session Charges

i)ii)

e) Balance Inquiryi)ii)

b) Purchase in USD and PKR

54204420-

54204830

54204850

1085-

1071

1052

Rs. 5/-

Rs. 35/-

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

g) Charge on Declined POS Transaction

i)

ii)

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

54204410

54200230

1083-1084

1149

1049

59


CONSUMER BANKING

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 Regional Business Head/Divisional HeadIn addition to the charges above, all applicable Government levies will also be recovered.


6) Auction Charges7) Insurance/TAKAFUL Charges*

8) Over the Counter Cash Payment

9) Resumption of Auto Financing After Repossession

10) Change of vehicle after approval

11) Old (Local/Imported) vehicle processing charges

5) Repossessed Vehicle Evaluation Charges*

C. AMEEN Drive - Auto Financing1) Application ProcessingCharges2) Vehicle Evaluation Charges*

3) Late Payment Charges (Charity)

4) Vehicle Re-Possession Charges*

Rs. 5,000/-

Rs. 2,500/- flat

Rs. 5,000/- + FED to berecovered per car(on approval)

Rs. 5,000/-As per the rate quoted bythe Insurance/TAKAFULCompany

NIL within UBL Ameennetwork

Rs. 2,500/-

Actual incurred by thebank up to a maximumof Rs. 50,000/-

Rs. 6,000/- + FED(onapproval)As per financing documentsor Rs. 5,000/- if not specified(for used car financing)

Up to 20% p.a onoutstanding rentals byactual number of over duedays to be credited incharity account.

-

-

-

-

-

-

-

-

-

-

-

-

-

-

D. GENERAL CONSUMER BANKING CHARGES

1) Duplicate Statement

2) Cheque Return Charges (not applicable on term Financing)3) Collection on Customer Call

Rs. 35/- per statement

Rs. 700/- per cheque

Rs. 250/- per pickup

54203700 -

54202250 -

60



61


UBL Ameen Islamic Banking-Schedule of Bank Charges (Jan-Jun 2016)INTERNATIONAL BANKING

Imports

Amount

Amount in PKR

Upto

500,001

800,001

1,000,001

1,500,001

2,000,001

2,500,001

3,000,001

3,500,001

4,000,001

4,500,001

5,000,001

5,500,001

6,000,001

6,500,001

7,000,001

7,500,001

8,000,001

8,500,001

9,000,001

9,500,001

10,000,001

12,500,001

15,000,001

17,500,001

20,000,001

22,500,001

25,000,001

27,500,001

30,000,001

32,500,001

35,000,001

37,500,001

40,000,001

42,500,001

45,000,001

47,500,001

50,000,001

52,500,001

55,000,001

57,500,001

60,000,001

500,000

800,000

1,000,000

1,500,000

2,000,000

2,500,000

3,000,000

3,500,000

4,000,000

4,500,000

5,000,000

5,500,000

6,000,000

6,500,000

7,000,000

7,500,000

8,000,000

8,500,000

9,000,000

9,500,000

10,000,000

12,500,000

15,000,000

17,500,000

20,000,000

22,500,000

25,000,000

27,500,000

30,000,000

32,500,000

35,000,000

37,500,000

40,000,000

42,500,000

45,000,000

47,500,000

50,000,000

52,500,000

55,000,000

57,500,000

60,000,000

62,500,000

2,200

2,600

3,600

5,000

7,000

9,000

11,000

13,000

15,000

17,000

19,000

21,000

23,000

25,000

27,000

29,000

31,000

33,000

35,000

37,000

39,000

45,000

55,000

65,000

75,000

85,000

95,000

105,000

115,000

125,000

135,000

145,000

155,000

165,000

175,000

185,000

195,000

179,375

188,125

196,875

205,625

214,375

1,250

1,625

2,250

3,125

4,375

5,625

6,875

8,125

9,375

10,625

11,875

13,125

14,375

15,625

16,875

18,125

19,375

20,625

21,875

23,125

24,375

28,125

34,375

40,625

46,875

53,125

59375

65,625

71,875

78,125

84,375

90,625

96,875

103,125

109,375

115,625

121,875

128,125

134,375

140,625

146,875

153,125

Range 1st Quarter or part thereof

Letter of Credit Subsequent Qtror part thereof

62


77,500,001

62,500,001

67,500,001

70,000,001

72,500,001

75,000,001

80,000,001

82,500,001

85,000,001

87,500,001

90,000,001

92,500,001

95,000,001

97,500,001

80,000,000

65,000,000

70,000,000

72,500,000

75,000,000

77,500,000

82,500,000

85,000,000

87,500,000

90,000,000

92,500,000

95,000,000

97,500,000

100,000,000

275,625

223,125

240,625

249,375

258,125

266,875

284,375

293,125

301,875

310,625

319,375

328,125

336,875

345,625

196,875

159,375

171,875

178,125

184,375

190,625

203,125

209,375

215,625

221,875

228,125

234,375

240,625

246,875

***

**

* LC service charges in case of Import Murabaha / Import Ijarah will be built in murabaha cost /Ijarah InstallmentDiscount may be offered to customers in the above mentioned charges subject to the RegionalHead’s approval.All LC amount exceeding Rs.100 Million shall attract additional service charges of Rs. 5,000/-(First Quarter) per Rs. 1

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

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

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

2) Revalidation commission

4) L/C cancellation charges

b) Profit on spot LC Murabaha c) Profit on spot PAD Murabaha

5) Contract registration for import on annual volume basis6) L/C Amendment

7) Contract Amendment

54206050

54206000

54206100

54206000

54206200

54206050

54206200

542067505420640057800400

AMC

LOC

LCN

CRC

AMC

CRC

HDCRTCSWS

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

As per International importA, slab of SOC

Rs. 2,000/- plus swiftcharges Rs. 1000/- flat &communication charge (atactual)

Rs. 100/- MinAs per Credit Approval

Transfer Commission willbe charged as applicableincase of fresh Letter ofCredit

0.40%, (flat),Min Rs.2,500/- (flat)Rs. 1,500/- per amendment(flat) or commission at ratesspecified under items 1above, if amendmentincrease in amount orextension in period ofshipment.Rs. 1,500/- (flat)

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

63



9) Profit / services charges in case of import bills under Import L/Cs

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

10) Import bills returned unpaid

11) a) Collections

i) If retired within 10 days from the date of lodgmentii) If retired during 15 days subsequent to the period at item (i) above

b) Import against advance payment to suppliers

12) Service charges on L/cs retirement of Import bills under L/c's / Contracts a) Opened by us where Fx conversion forward is done by us b) Opened by us where Fx conversion / forward is done by other banks

14) Handling of discrepant documents under Import L/Cs

13) Reimbursement charges (payable to Reimbursement Bank)

15) Issuance of freight certificate for Imports on FOB basis16) Extension in maturity of Usance Bills under LC / Bank Contract17) Expense Recovery Protest/ Legal Charges

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

19) FED invoice certificate20) Issuance of business performance certificate of previous years at the customer request

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

c) Confirmation

d) Transfer of Export

B. EXPORTS1) Processing charges for Export Registration2) Letter of Credit

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

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

3) Advance Payment a) Service charges b) Commission c) Export Development Surcharge

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

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

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

No Commission

As per Approval

As per Approval

As per Approval

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

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

At Actual

Rs 1,500/- per certificate

1,500/- (flat) per bill

Actual + USD 25/-or equivalentRs. 1,500/- (flat)


Rs.600/-(flat)

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

Rs.200/- (flat)



0.15% Min Rs. 400/-Rs. 240/- (flat)As per prevailing SBPregulations (as and whenthe shipment is effected).

54206400

52700430

54206750

54206750

542067505420640057800400

54206400

54206850

57800500

54206750

54206750

5420685054206420

54206550

54206550-

5420645054206450

5420645054206450

54206600

5420785054206650

41800800

HDC

-

RTC

RTC

---

DEC

HDC

-

-

-

--

ELC

ADC-

ADCADC

ADAADA

-

40244023

EDS

64



8) NOC Issued Document transferred against Export document

4) EDS handling charges5) Collections a) Clean cheques / Drafts / FTCs b) Documentary (on which bank does not earn any exchange difference)6) Duty Drawback Claim

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

9) Freight Subsidy

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

11) Any Certificate issued in current Financial year excluding withholding tax certificate

a) Originalb) Duplicate

12) Trade Development Authority Registration certificate verification13) Duplicate advice issuance

15) Sales Tax / FED invoice certificate16) Export LC Cancellation

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

Rs. 80/- (flat) per transaction

Rs.100/-Rs. 240/- per collection (flat)


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

Rs. 600/- (flat)

Rs. 400/- per case

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

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



Rs.1,000/- per certificateRs.1,500/- plus swiftcharges Rs. 1000/- flat &communication charges


54206750

54206850

54206600/54206850

54206600

41400700

54206600

54206600

54206800

54206600

54206600

54206450

54206600

HCH

-

-

ESC/SCH

EBC

-

-

-

-

-

EBC

CAN

-

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.

17) Export Proceeds Transfer

C. REMITTANCES1) Outward a) Remittance abroad through Foreign Currency Account

i) Issuance of FDD / FTT

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

54206600

54207550

EBC

4002FCY Accounts:Commission @ 0.12% perUS$1,000/- or part thereof,equivalent for othercurrencies, Min. US$6/-,Max US$30/- or equivalentfor other currencies.In addition, SWIFTmessage charges andforeign bank charges alsoapply.

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

54207570 4003 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

65



vi) Investigation Charges on FDD (older than 1 year)

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

i) Students (for education purpose)

iii) Commission against issuance of FDD/FTT against Export

c) i) FDD / FTT cancellation charges

iii) FDD / FTT cancellation charges against Export

ii) Under general permission or specific approval of SBP

d) i) Issuance of duplicate FDD

ii) Issuance of duplicate FDD under Export

b) Others

2) Inward a) Home Remittance

ii) Commission against issuance of FDDs / FTT from PKR Account (Not Applicable on Advance payment imports)

US $50/- or equivalent

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

Min Charges : US $10or equivalentMax Charges: US $ 125or equivalent

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

Rs. 200/- plus foreign bankcharges

@ 15 paisas per Rs.100/-,Min. Rs. 500/- In additionto Commission mentionedunder (a) (i) above plusSWIFT chargesRs. 500/- per item plusSWIFT charges. Foreignbank charges also applyincase of FDDcancellation

Rs.500/-

Rs. 1,000/- per cancellationplus SWIFT charges.Foreign bank charges alsoapply incase of FDDcancellation.Rs. 500/- flat plus SWIFTcharges (if appliable).Foreign Bank Stoppayment charges alsoapply.Rs. 500/- flat plusSWIFT charges (ifappliable). ForeignBank Stop paymentcharges also apply.

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

Free from all associatedcharges

Commission mentionedunder (a) (i) above plusSWIFT charges

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

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)

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

54207550

54206760

54200240

54207600

54207750

54202450

54207750

54207750

54207700

54207700

54207850

-

54207660

4004

4005

4006

4007

4010

-

4011

4012

4013

4014

-

-

4008

0.7%, Min USD 8, MaxUSD 18In addition, foreign bank charges also apply

66



c) Commission charges on payment of Inward Foreign Remittance/Swift Transfer received in Foreign Currency (Charges code SHA/BEN) 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. 2,000/- inclusivepostage/courier charges.

54207850 -

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

D. MISCELLANEOUS

1) Correspondent Banking charges

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

2) Foreign bills sent for collection returned unpaid

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)5) Issuance of proceeds certificate beyond one year

8) Standing instructions charge in Foreign Currency A/c

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

6) Credit check at customer's request

9) Issuance of business performance10) Sales Tax / FED Invoice certificate (Export)

At ActualRs.500/- (flat)USD 5 per USD 1,000 orpart there of and Max.USD 15

Commission @ 0.15%,Min. Rs.400/-

Rs.500/- (flat) per certificate

USD 5/- or equivalent pertransaction

Rs.500/- per instanceRs.50/- (flat)


54208000

54203700

54203700

54203700

54206850

54206850

5420685054206850

54206850

-

-

-

-

-

-

--

-

*Note:i) UBL Branches, UBL Ameen branches, joint ventures and subsidiaries exempted.ii) In addition to above, service charges, recovery of courier/postage/telex/fax/cable charges will alsobe made according to tariff (wherever applicable)iii) Charges negotiable on case to case basis under approval of relevant Regional Headiv) In addition to the charges above, all applicable Govt levies will also be recovered

-

ii) Cheque/Draft/FTCs Returned unpaid

d) Direct Collection i) Collection for Foreign Currency A/c or Rupee A/c

Rs. 500/- (flat) inadditionto foreign bank charges

0.7%, Min USD 8, MaxUSD 18 or EquivalentRupees per collection (inaddition to foreignBank charges) pluspostage charges of Rs.1,400/-

54203710

5420760054207550

67

COMMUNICATION CHARGES


68




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 LC / 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

Rs.1,000/-flat

IMPORTANT NOTES:

•

• 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.•

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

•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.)

•

•