Sobc Jul Dec 2015

7/23/2019 Sobc Jul Dec 2015

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Bank Alfalah LimitedB. A. Building, I. I. Chundrigar Road,

Karachi, Pakistan - 74000111 225 111bankalfalah.com

Schedule ofBank Charges

From 1st July to31st December 2015

(Excluding FED)

7/23/2019 Sobc Jul Dec 2015


Contents

Trade Services

A. Imports B. Exports

C. Foreign Bills Purchased/Collection

D. Inland Letters of Credit

Advances/Finances

A. Advances

B. Lease Finance

C. Alfalah Rural Finance

D. Guarantees

Consumer Banking

A. Visa/MasterCard

B. Alfalah Personal LoansC. Alfalah Car Financing

D. Alfalah Home Finance

General Banking

A. Inward/Outward Remittances (Foreign)

and Cheque Purchase

B. Remittances (Domestic) C. Sale/Purchase of Securities, Safe Custody,

Articles in Safe Deposit and Safe

Deposit Lockers

D. Miscellaneous Charges

7/23/2019 Sobc Jul Dec 2015


01

Trade Services

1.a) i) Cash Letter of Credit

Based on volumes during a calendar year/currency of limit(s) and arrangement with customer/group including allied accounts. In case of revolving LCs, LC, commission should be charged on each shipment

ii) LCs to be issued against 100% cash margin

1.b) i) Letter of Credit under "Supplier Credit", Pay-As-You-Earn Scheme

and Deferred Payment Letter of Credits for period over one year

ii) In case of LG/Undertaking to be issued favouring NBP for providing

forward cover exchange risk undersuppliers/buyers credit on behalf

of applicant

1.c) Revalidation Commission

52305

52305

52305

52305

52306

Upto 10.000 (M) 0.40% for first quarterand 0.20% for subsequent quartersFrom 10.001 (M) Upto 100.000 (M) 0.30%For First Quarter and 0.15% for subsequentquarters From 100.001 (M) Upto 200.000(M) 0.15% for first quarter and 0.10% forsubsequent quarters.

Above 200.000 (M) 0.10% for first quarterand 0.10% for subsequent quarters.

Min. charge of Rs. 1500/- or asapproved by the Credit and Businessauthorities. The annual volume shall beascertained on the basis of firmcommitment (past record) which shallbe documented in the Facility OfferLetter. Upon failure to route thecommitted business, customer shall paythe balance commission in accordance

to the slab that is applicable to theactual volume routed. The balancecommission will be recovered at thetime of renewal of facilities.

As per arrangement with thecustomer approved by the Credit andBusiness authorities.

Commission at the time of openingof Letter of Credit at the rate upto

0.40% per quarter or part thereofupto final payment, minimum.Rs. 2,000/- commission to becharged on full amount of Letter ofCredit, that is, liability plus interestpayable thereon for the period fromdate of opening of Letter of Credittill its expiry; thereafter, commissionwill be recovered on quarterly basison outstanding/reduced liability asper revised Schedule of Chargesapplicable as on date.

Commission @ 1.6% per annum onreducing liability basis or as perarrangement approved by the Creditand Business authorities. MinimumRs.2,000/-

On expiry of LC when the same isvalidated, revalidation commissionwill be recovered as is applicable foropening fresh LC as above.NIL if the revalidation period fallswithin the quarter for which the LCcommission has already beenrecovered.

A. Imports GL Account

1. Letter of Credit Commission

7/23/2019 Sobc Jul Dec 2015


Trade Services

A. Imports

1.d) Transfer of Letter of Credit to newbeneficiary

1.e) Letter of Credit confirmation/cancellation in case where thecharges are on account of opener

1.f) Letter of Credit cancellation

1.g) Non-reimbursable Letters of Creditunder Barter/Aid/Loans

1st Quarter

Subsequent Quarter

1.h) Acceptance Commissionif bills are to be drawn at sance

under Letters of Credits

1.i) i) Amendments ii) Amendment involving increase in

amount and on extension inperiod of shipment/negotiation

1.j) Form-I handling charges

2.a) Markup on Import Bills under Letterof Credit (On daily products fromthe date of negotiation/Date of

debit authority)

2.b) Markup on import bills underusance Letter of Credit if not paidby the importer on maturity date

2.c) i) If 100% Margin in Current

Account is blocked ii) Advance remittance to suppliersabroad against imports

When Letter of Credit is transferredto new beneficiary, transfercommission will be charged asapplicable in case of opening freshLetter of Credit as 1.a) above.

At actuals including our incidentalcharges

Rs. 1,500/- plus SWIFT Charges

1% per quarter or part thereofminimum Rs. 1500/-

0.30% for each subsequent quarteror part thereof minimum Rs. 2,000/-

a) Rs. 750/- per bill to be chargedat the time of retirement of bills.

(b) In addition, commission at therate 0.15% per month or partthereof to be charged for anyperiod beyond validity of LC,minimum Rs. 500/- However, nocommission to be charged if thematurity/payment period of the billsfalls within the period for which LCopening commission has alreadybeen recovered.

Rs. 1,000/- per amendment (flat)Rs. 1,000/- per transaction pluscommission as per item 1.a) 1.b) and1.f) above

Rs. 25/- per form

Markup @ Rs.0.55/- Rs. 1,000/- dailyproducts on the bill amount from thedate of negotiation appearing on

covering schedule/value date,wherever applicable or as perarrangement approved by the Creditand Business authorities.

Markup @ Rs.0.60/- Rs. 1,000/-daily products on the bill amountshall be charged or as perarrangement the Credit andBusiness authorities.

No markup on Import Bill

0.10% Minimum Rs. 1,000/- plusremittance chargesincase of remittance againstLC/contract no commission and onlyremmittance charges to berecovered

52306

RelevantExpense Code

52304

52305

52308

5230652306

52368

RelevantMarkupIncome

Account

RelevantMarkupIncomeAccount

55517

2. Import Bills (Under sight Letter of Credit)

GL Account

02

7/23/2019 Sobc Jul Dec 2015


65078

55517

52305

65078

55507

65062

55510555105551055510


55510

55517

52310

RelevantMarkupIncome

Account

Trade Services

A. Imports

3.a) Handling charges

3.b) Returned unpaid

4.a) Contract registration for import

4.b) Handling charges

5.a) Postage

5.b) Courier service

5.c) SWIFT Messages

i) Full Text of Letters of Credit ii) Brief Text of Letters of Credit iii) Brief Text/Fax amendment of LCs/cancellation

5.d) Obtaining credit reports on supplierfrom credit rating agency

5.e) Correspondence charges, if any willbe recovered

5.f) Service charges against import

transactions i.e. Import bill (PAD),usance bills under Letter of Credits,collection and consignment basis

5.g) Handling of discrepant documentspresented under L/C

5.h) Temporary financing due tonon-payment on maturity date ofacceptance liability, overdue

FATR/FIM/FAPC/FAFB, any otherliability arising out of unarranged/forced situation

5.i) Non-Interest based LC transactions

Rs. 1,000/- (flat) in addition tocorrespondent charges as realized.

Rs. 1,000/- in addition tocorrespondent bank charges.

0.10% Min Rs.1,500/- or as perarrangement the Credit andBusiness authorities.

Rs. 1000/-

Rs. 150/- or actual (whichever is higher)

As per actual

Rs. 1,500/-Rs. 600/-Rs. 500/-

As per actual

As per actual

0.1% flat Min Rs.750/- or as per

arrangement approved by the Creditand Business authorities.

US$ 60 (To be deducted from theproceeds of import bills whereapplicable or to be recovered fromthe presenting bank if amount isalready reimbursed.)

Markup @ Rs.0.60/- per 1000/-daily products on the bill amountshall be charged or as per


In case substantial deposit ismaintained in Current Account, Bankcan allow opening of LC withoutrecovering any charges or as perarrangement approved by the Creditand Business authorities.

3. Import Collection Bills

5. Other Charges

4. Import on Consignment Basis

03

GL Account

7/23/2019 Sobc Jul Dec 2015


Note • In case the Letter of Credit liability increases by virtue of exchange rate fluctuation and/or due

to utilisation of 'Forward Cover' Facility (by the customer), bank reserves the right to recoverabove Letter of Credit commission on increased liability for the un-expired Letter of Credit period

• Charges may be collected in Pak-Rupee or Foreign Currency in all categories

• No markup will be charged on import bill if 100% cash margin is deposited in non-profitbearing account at the time of opening of Letter of Credit. Markup will also not be charged if

100% cash margin is deposited in non-profit bearing account before the date of negotiation.Cash margin held by the branch less than 100% will be ignored for the purpose of chargingmarkup on bill amount from the date of negotiation till the date of lodgement. However,proportionate rebate on margin amount will be allowed while calculating markup from the dateof lodgement till the date of retirement

• Bank reserves the right to change the rate of markup at any stage, subject to the rate notexceeding rates notified by the State Bank of Pakistan

52368

52305

52305

52305

Trade Services

A. Imports

5.j) Issuance of NOC to other Banks forbooking Foreign Exchange oreffecting remittance under our L/C

or registered contract

6.a) New facility/enhancement

6.b) Renewal

6.c) EOL/OTT

Rs. 1,000/- per NOC

If a limit is primarily approved for agroup where it’s group concerns areallocated sub-limits, then theprocessing charges should be takenonly once i.e not for each company.

New facility/enhancementUp to Rs.4.999M - Up to 0.2%*or a minimum of PKR 3,000From Rs.5M to Rs.9.999M - Up to 0.2%*or a minimum of PKR 4,000From Rs.10M to Rs.49.999M - Up to0.2%* or a minimum of PKR 20,000From Rs.50M to Rs.99.999M - Up to0.2%* or a minimum of PKR 25,000Above Rs.100M - Up to 0.2%*or a minimum of PKR 50,000

or as per arrangement approved by theCredit and Business authorities.*As accepted in the Facility Offer Letter

New facility/enhancementUp to Rs.4.999M - Up to 0.1%*or a minimum of PKR 3,000From Rs.5M to Rs.9.999M - Up to 0.1%*or a minimum of PKR 4,000From Rs.10M to Rs.49.999M - Up to0.1%* or a minimum of PKR 6,000From Rs.50M to Rs.99.999M - Up to0.1%* or a minimum of PKR 11,000Above Rs.100M - Up to 0.1%*or a minimum of PKR 16,000or as per arrangement approved by theCredit and Business authorities.*As accepted in the Facility Offer Letter

Up to Rs.19.999M - Up to 0.2%*or a minimum of PKR 3,000From Rs.20M to Rs.49.999M - Up to0.2%* or a minimum of PKR 4,500Above Rs.50M - Up to 0.2%*or a minimum of PKR 6,000

or as per arrangement approved by theCredit and Business authorities.*As accepted in the Facility Offer Letter

6. CLP processing charges,where LC or trade related limitsare being proposed only

GL Account

04

7/23/2019 Sobc Jul Dec 2015


Trade Services

B. Exports

1.a) Advising

1.b) Amendment 1.c) Confirmation

1.d) Transfer of Export Letter of Credit1.e) L/C pre-advice advising

2.a) Documents sent to other banks fornegotiation under restricted Letterof Credit

2.b) Reimbursement payment to otherlocal banks from Non-ResidentPak-Rupee Accounts/Asian ClearingUnion Accounts

2.c) Negotiation of Rupee bills under

Export Letter of Credit

3.a) Clean financial instruments

3.b) Documentary (on which bank doesnot earn any exchange income)

4.a) Service Charges against exportdocuments sent on collection basiswhere payment cover is alreadyreceived in Bank's Foreign CurrencyAccount/Advance Payment

4.b) Service charges on Research &

Development Support (RDS) claimsof Exporter from SBP

4.c) Discrepant documents charges

4.d) Clean documents charges

Rs. 1000/- (flat)

Rs. 750/- per amendment

0.25% per quarter minimum Rs. 1,000or as per arrangement approved bythe Credit and Business authorities.

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

Rs. 1,000/- (flat)

Rs. 1,000/- (flat)

0.25% minimum Rs. 500/-Markup @ Rs. 0.45/-/day/Rs. 1000/-from the date of negotiation till thedate of realization

Rs. 200/- per collection

Rs. 400/- per collection

Paisas 12 per Rs. 100/- minimum ofRs. 600/-

Rs.1,000/- flat or as per


Minimum Rs.2,000/-Maximum 0.1% subject to ceiling ofRs.5,000/- plus courier charges oras per arrangement approved by theCredit and Business authorities.

Minimum Rs.1,000/-Maximum 0.05% subject to ceilingof Rs.2,500/- plus courier charges

or as per arrangement approved bythe Credit and Business authorities.

1. Letter of Credit

2. Export Bills

4. Service Charges

3. Collections

52316

52316

52315

52316

52316

55517

55517

65034

55517

55517

55517

55511

52310

52330

GL Account

05

7/23/2019 Sobc Jul Dec 2015


Trade Services

4.e) Handling fee for freight subsidy cases

4.f) Export development surcharge -handling fee

4.g) Late realisation negotiation (sight)

4.h) Late realization Negotiation (Usance)

4.i) Late realisation of export proceedsagainst negotiation/purchase/

discounting (sight bills) in FE-25deposits

4.j) Late realisation of export proceedsagainst negotiation/purchase/

discounting (Usance bills) in FE-25deposits

4.k) Handling charges in lieu of exchangeearnings where an exporter sellsforeign exchange to some other

bank while documents were sent forcollection through BAFL

4.l) NOC issuing charges for each Form 'E'

4.m) NOC for entitlement against EEstatement

Rs. 200/- (subject to change by EPB)

Rs. 80/- (subject to change by EPB)

If proceeds not realised within 12days then mark up @ Rs. 55 perRs.1000/- per day is to be chargedfor any delay beyond 12 days or asper arrangement approved by theCredit and Business authorities.

To be recovered as per terms ofapproval as approved by the Creditand Business authorities

If proceeds are not realised in ourNostro Account within 12 days thenpenalty @ Libor + 4% is to becharged for any delay beyond 12days or as per arrangement

approved by the Credit and Businessauthorities.

If proceeds are not realised with indue date in our Nostro Account thenpenalty @ Libor + 4% is to becharged for any delay beyond 3 daysor as per arrangement approved bythe Credit and Business authorities.

0.10%, minimum Rs. 1,000/-

Rs. 100/- per form

Rs. 1,000/- per NOC

Note

• Any charges in respect of export business other than above mentioned are not to be recovered• All State Bank of Pakistan punitive charges relating to delayed repatriation of fund will be

debited to customer account

B. Exports

55511

55511

65036

65036

65036

65036

55517

52368

52368

GL Account

06

7/23/2019 Sobc Jul Dec 2015


Trade Services

C. Foreign Bills Purchased/Collection

1.a) Issuance (Traveller's Cheques)(Foreign Currency)

1.b) FCY Cheques/Drafts/TCs sent oncollection

1.c) Registration of student case

2.a) Family maintenance

2.b) Studies abroad

2.c) SBP approvals for capital transfers,dividends, freight

2.d) Other Approvals from SBP

3.a) Unpaid Items

3.b) Correspondents charges

3.c) Postage

3.d) Courier Service

3.e) Full Text Swift

3.f) Brief Text Swift

1.a) Issuance

1.b) i) Amendments

ii) Amendment involving increase inamount and/or extension in periodof dispatch/delivery/negotiation

1.c) Advising

1.d) Acceptance commission

1.e) Service charges on retirement ofSight/Usance Bills

1% amount of TCs on sold minimumRs. 200/-

US$ 25 plus actual courier charges(correspondent bank charges will beextra, if any).

US$ 100 first year, every renewal US$75 plus applicable remittance charges.

Rs. 1,000/- per transaction

Rs. 1,000/- per transaction

Rs. 1,500/- per transaction plusremittance charges

Rs. 1,500/- per transaction plusremittance charges

US$ 5 or PKR 500 (or equivalent)

Actual (if any will be recovered)

Rs. 150/- or actual, whichever is higher

Rs. 2,000/- or actual, whichever is higher

Rs. 2,000/- or actual, whichever is higher

Rs. 1,000/- or actual, whichever ishigher

0.4% per quarter or part thereof.Minimum Rs.1,500/- or as perarrangement approved by the Creditand Business authorities.

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

Rs. 1,000/- per amendment pluscommission as per item number1.a) above

Rs.1,000/- flat per Letter of Credit

a) Rs. 500/- (flat) per bill charged atthe time of retirement of bills.b) In addition, commission at the rateup to 0.125% per month for any period

beyond the validity of Letter of Credit.Minimum Rs. 500/-

0.10% of bill amount (flat) minimumRs.750/- or as per arrangementapproved by the Credit and Businessauthorities.

2. Foreign Exchange Permits

3. Other Charges

1. Letter of Credit


52051

65052

55579

55578

55579


55507

55508

55510

55510

52305

52306

52306

52316

52308

52308

55517

GL Account

07

7/23/2019 Sobc Jul Dec 2015


Trade Services


2. Collection

1.f) Confirmation/Cancellation

1.g) Discrepancy charges in case ofsight/usance bills under inland L/C

2.a) Documentary

2.b) Clean (including cheques)

3.a) i) Documentary Bills other thanthose drawn against Letter of Credit

ii) Through branches of our Bank

3.b) i) Clean Bills/Trade Cheques

ii) Through branches of our Bank

3.c) i) Purchase of Usance Draft underUsance Letter of Credit

ii) Markup if retired up to 21st day

iii) Markup if retired during next 210days

3.d) Dividend warrants etc.

3.e) Negotiation at sight

3.f) Collection charges for Usance Bills

In case of confirmation 0.25% perquarter or part thereof minimum Rs. 500In case of cancellation as per actual

Rs. 1,000/- flat

0.30% of document value minimum

Rs. 750 or as per arrangementapproved by the Credit and Businessauthorities.

Rs 500 Flat on Bill less than USD10,000Rs: 1000 flat on bill Eqv:of USD10,000 and aboveNo courier charges for cheques senton collection to Banks situated insame Tehsil.

0.45% 200/- plus markup from thedate of purchase to the date ofpayment and courier charges.

As per arrangement with the customer

0.45% minimum Rs. 200/- plus markupfrom the date of purchase to the dateof payment and courier charges.

As per arrangement with the customer

Usual commission as at 3.a above plusmarkup/markdown from the date ofpurchase till the date of payment.

46 paisas per Rs. 1,000/- per day (afterthe date of maturity i.e. next day ofmaturity till the date of payment)

55 paisas per Rs.1,000/- per day (afterthe date of maturity i.e. next day ofmaturity till the date of payment)

Or as per arrangement approved bythe Credit and Business authorities.

0.60% of the amount of dividendwarrants, minimum Rs. 50/-

0.25% minimum Rs. 500/-

0.40% per bill minimum Rs. 500/-

3. Purchase of Bills/Cheques etc.

Confirmation: 52315

Cancellation: 52304

52310

65051

65051

52330

52330

52330/51500

52330/51500

52300

65034

65034

52621

52312

52330

GL Account

08

7/23/2019 Sobc Jul Dec 2015


5260752607


55507/55581

55510

52607

GL Account

09

Trade Services


5.a) Collection agent charges

5.b) Postage

5.c) Telex

5.d) Storage charges

4.a) Returning charges: i) Documentary Bills ii) Clean Bills

As per actual

Rs. 100/-

Rs. 500/- (full)

Rs. 50/- per pack per day

Rs. 400/- per billRs. 400/- per bill

Note

• Collecting agent charges, if the collecting bank is different, will be extra• Other 'out-of-pocket' expenses will be charged at actual

5. Other Charges

4. Unpaid items

7/23/2019 Sobc Jul Dec 2015


Advances/Finances

1.a) Project examination/term loan duediligence fee

1.b) Interim review/processing fee

1.c) New facility initiation/renewal

of facility (where applicable)

i) Corporate borrower

ii) SME/Commercial borrower

iii) OTT/EOLs

1.5% of project facility requested or asarrangement approved by or as perarrangement approved by the Creditand Business authorities.

Rs. 3,000/- (flat)

If a limit is primarily approved for a

group where its group concerns areallocated sub-limits then the processingcharges should be taken only once i.enot for each company.

Up to 0.01% of sanction amount or asper arrangement approved by theCredit and Business authorities.

New facility/enhancementUp to Rs.4.999M - Up to 0.2%*or a minimum of PKR 3,000

From Rs.5M to Rs.9.999M - Up to 0.2%*or a minimum of PKR 4,000From Rs.10M to Rs.49.999M - Up to0.2%* or a minimum of PKR 20,000From Rs.50M to Rs.99.999M - Up to0.2%* or a minimum of PKR 25,000Above Rs.100M - Up to 0.2%*or a minimum of PKR 50,000or as per arrangement approved by theCredit and Business authorities.*As accepted in the Facility Offer Letter

Renewals at existing levelUp to Rs.4.999M - Up to 0.1%*or a minimum of PKR 3,000From Rs.5M to Rs.9.999M - Up to 0.1%*or a minimum of PKR 4,000From Rs.10M to Rs.49.999M - Up to0.1%* or a minimum of PKR 6,000From Rs.50M to Rs.99.999M - Up to0.1%* or a minimum of PKR 11,000Above Rs.100M - Up to 0.1%*or a minimum of PKR 16,000or as per arrangement approved by theCredit and Business authorities.*As accepted in the Facility Offer Letter

Up to Rs.19.999M - Up to 0.2%*or a minimum of PKR 3,000From Rs.20M to Rs.49.999M - Up to0.2%* or a minimum of PKR 4,500Above Rs.50M - Up to 0.2%*or a minimum of PKR 6,000or as per arrangement approved by the

Credit and Business authorities.*As accepted in the Facility Offer Letter

A. Advances

55563

55563

55563

55563

55563

55563

GL Account

10

7/23/2019 Sobc Jul Dec 2015


Advances/Finances

1.d) Commitment fee/up-front fees

1.e) Legal & administrative fee(where legal advise is obtained)

1.f) Miscellaneous charges (documents,evaluation of security andmaintenance thereof)

1.g) Replacement of securities (interim)

1.h) To mark lien on securities notissued by us

1.i) Registration of charge withRegistrar of Securities ExchangeCommission of Pakistan. (SECP)

1.j) Late payment of instalmentsCommercial TF (If TF is to be repaidon amortization basis)

2.a) Godown rent

2.b) Godown staff salaries

2.c) i) Godown inspection charges wheninspection is carried out by Bank Staff

• Within municipality limit or withina radius of 10 km from Branch

• Outside municipality limits

2.c) ii) Godown inspection chargeswhen inspection is carried out byoutside agencies

2.c) ii (a) Where inspection is carried

out with in the same city

2.c) ii (b) For inspection of godowns/stocks located outside the cityarea (over 35 Km)

2.d) Other incidental expenditure (insurance, legal, etc.)

2.e) Collection of coupon (on Governmentcertificates issued by other banks/

saving centers under lien to us)

0.50% - 1.00% (on sanction/renewal)or as per arrangement approved bythe Credit and Business authorities

As per actual

As per actual

i) For cash/cash equivalent Rs. 2,500/- (flat)ii) For other securities Rs. 5000/- (flat)

Rs. 500/- (service charges)

Actual charges incurred by thebranch

0.1% per day of the overdueinstalment amount

As per actual

As per actual

As per actual

As per actual

As per actual

As per actual

As per actual

Rs. 1,000/- per visit per site

A. Advances

2. Charges for Advances Against Pledge/Hypothecation

52019



52607

52607


52235






Relevant

Expense Code



52607

GL Account

11

7/23/2019 Sobc Jul Dec 2015


Advances/Finances

2.f) Issuance of delivery orders againstfinance against importedmerchandise, cash credit and allgoods under pledge (whereapplicable)

2.g) Issuance of NOC (customer'srequest) on request of customers/

clients for creating additional/pari

passu charge/second charge on their fixed/current assets for acquiring

further finance from other Banks/

Financial Institutions

2.h i) Temporary financing due tonon-payment on maturity date ofacceptance liability, overdueFATR/FIM/FAPC/FAFB, any otherliability arising out ofunarranged/forced situation

ii) Penalty for late payment ofmarkup

iii) Penalty of late payment ofmarkup on Export Refinance Bills

Up to Rs. 500/-or as per arrangementapproved by the Credit and Businessauthorities.

Up to Rs 10,000 or as perarrangement approved by the Creditand Business authorities.

Markup@ Rs.0.60/- per 1000/- dailyproducts on the bill be charged 'asper arrangement approved by theCredit and Business authorities.

Fifteen days beyond the due date aregiven to service markup. Should themarkup not been serviced within thosefifteen days, then penalties as given areto be charged at the flat rate indicatedon a per day basis for the entire periodbeyond the grace period during whichthe markup has not been serviced. Thisperiod will not include the fifteen daypermissible as grace period. Incase of

partial payments relevant slab as perbalance due shall be applicable.

For all cases other than ERF 15 daysbeyond the due date are given toservice markup. For ERF cases the latepenalty will start from the date ofmaturity/due date of ERF or date ofdebit of Bank Account by SBP,whichever is earlier. Relaxation/waiverof this penalty to be allowed as perarrangement approved by the Creditand Business authorities.

A. Advances

Up to Rs. 500,000/-

b/w Rs. 500,001/- and Rs. 1,000,000/-

b/w Rs. 1,000,001/- and Rs. 2,000,000/-

b/w Rs. 2,000,001/- and Rs. 4,000,000/-

b/w Rs. 4,000,001/- and Rs. 5,000,000/-

Above Rs. 5,000,000/-

Rs. 200/-

Rs. 450/-

Rs. 1,000/-

Rs. 1,800/-

Rs. 2,750/-

Rs. 5,000/-

Penalty per day Slab (markup due)

52607

52368

Relevantmarkup

income code

52235

Relevantmarkup

income code

GL Account

12

7/23/2019 Sobc Jul Dec 2015


A. Advances

If a party fails to pass on committedbusiness in writing while getting thecredit line sanctioned in its favour, thebank reserves the right to recovercompensatory commission (every timeof renewal/extension) maximum at therate of 1.00% to the extent of shortfallin business so committed to be routedthrough us or as per arrangementapproved by the Credit and Business

authorities.

Rs. 100/- per report (recoverable atthe time of processing of freshfacilities or at the time of renewal orlimit enhancement or through EOL &OTT) or at the time of restructuring/rescheduling of the facility.

New facility/enhancementUp to Rs.4.999M - Up to 0.2%*

or a minimum of PKR 2,500From Rs.5M to Rs.9.999M - Up to0.2%* or a minimum of PKR 4,000From Rs.10M to Rs.20M - Up to0.2%* or a minimum of PKR 6,000or as per arrangement approved bythe Credit and Business authorities.

*As accepted in the Facility Offer

Letter

Renewals at existing levelUp to Rs.4.999 - Up to 0.1%*

or a minimum of PKR 2,500From Rs.5M to Rs.9.999M - Up to0.1%* or a minimum of PKR 4,000From Rs.10M to Rs.20M - Up to0.1%* or a minimum of PKR 6,000

or as per arrangement approved bythe Credit and Business authorities.

*As accepted in the Facility OfferLetter.

Actual cost of revenue and specialadhesive stamps

Actual charges of lawyers on theBank's approved panel

Actual charges of valuators on theBank's approved panel

2.i) Business commitment &compensatory commission

2.j) ECIB report

3. Alfalah Karobar Finance

i) Processing fee (up-front with LAF)

ii) Documentation charges

iii) Legal charges

iv) Property valuation charges

Advances/Finances

52019

55587

52023

52023




GL Account

13

7/23/2019 Sobc Jul Dec 2015


55561

55559

Relevant

Expense Code




55567

55567

55568

52041

52041

52042

52043

52043

GL Account

14

Advances/Finances

4. Alfalah Milkiat Finance


ii) Late payment charges

iii) Documentation charges

iv) Legal charges

v) Property valuation charges

vi) Business & financial appraisalcharges

5. Alfalah Quick Finance

i) Processing charges

ii) Renewal/enhancement charges

iii) Late Payment charges

6. EEZEE Finance

i) Processing charges

ii) Renewal/enhancement charges

iii) Late payment charges

7. Alfalah Merchant Line


Rs. 7,500/- or 0.1% of the loanamount, whichever is higher

Rs. 200/- per day after becomingoverdue

Actual cost of revenue and special

adhesive stamps

Actual charges of lawyers on theBank's approved panel

Actual charges of valuators on theBank's approved panel

At actual

Rs. 1000/- per application

Rs. 500/- per application

Rs. 200/- per day after 15 days ofbecoming due

Rs. 2,000/-

Rs. 1,000/-

Rs. 50/- per day to be recovered from16th day after due date

New facility/enhancementUp to Rs.4.999M - Up to 0.2%*or a minimum of PKR 5,000From Rs.5M to Rs.9.999M - Up to0.2%* or a minimum of PKR 10,000From Rs.10M to Rs.15M - Up to 0.2%*or a minimum of PKR 15,000or as per arrangement approved bythe Credit and Business authorities.*As accepted in the Facility Offer Letter

Renewals at Existing level

Up to Rs.4.999M - Up to 0.2%* or aminimum of PKR 5,000 from Rs.5M toRs.9.999M – Up to 0.2%* or aminimum of PKR 10,000from Rs.10M to Rs.15M - Up to 0.2%*or a minimum of PKR 15,000 or as per

7/23/2019 Sobc Jul Dec 2015


Advances/Finances

arrangement approved by the Creditand Business authorities.*As accepted in the Facility Offer Letter


Actual and approved charges oflawyers on the Bank’s approved panel

0.5% of lease amount or as perarrangement approved by the Creditand Business authorities.

Rs. 3000/-

5% of the principal outstanding




2% of the principal outstandingor as approved by the line Group HeadNIL charges incase of damage/theft ofleased asset

0.5% per calendar quarter on the

amount of Letter of Comfort

0.1% per day of the overdue rentalamount

Rs. 250/- per cheque

ii) Documents charges

iii) Legal charges

Processing charges will be recoveredonce for the complete lease period

i) Front-end fee

ii) Documentation handlingcharges/per sanction advice

iii) Termination charges

a) Termination take place in the first year

b) Termination take place in thesecond year

c) Termination take place in thethird year

d) Termination take place in the fourth year

e) Termination take place in the fifth year

iv) Commitment charges for issuance

of BAFL letter of comfort

v) Additional lease rentals

vi) Cheque return charges

B. Lease Finance (as per the arrangement with the customer)



55563

55563

55546

55546

55546

55546

55546

52019

52235

55530

GL Account

15

7/23/2019 Sobc Jul Dec 2015


52022

52022

52019




55523

55523

55523

55523

55523

5552355523

55523

GL Account

16

Advances/Finances

i) Processing fee a) Up to Rs.1.0M b) Above Rs. 1.0M to Rs. 3.0M c) Above Rs. 3.0M to Rs. 5.0M c) Above Rs. 5.0 M to Rs. 10M d) Above Rs. 10M

ii) Project examination fee

iii) Commitment fee

iv) Legal charges

v) Property valuation

vi) Documentation charges

vii) Late payment charges on delayed markup servicing after grace period

of one month from due date (excepting markup up payable by PDDC)

i) Amount of overdue markup Up to Rs. 50,000/-

ii) Amount of overdue markup exceeds Rs. 50,000/- Up to

Rs. 250,000/-

iii) Amount of overdue markupexceeds Rs. 250,000/-

viii) a) Late payment charges ondelayed annual cleanupb) Late payment of instalments (TF)

c) Late adjustment ofPaidawari Zarai Sahulat" DF

d) Late payment of rentals under LF

ix) Alfalah Pasban Cash Linea) Processing charges

b) Renewal/enhancement charges c) Late payment charges

Rs. 1,000/-Rs. 2,000/-Rs. 5,000/-Rs. 10,000/-Rs. 15,000/-

Maximum 0.5% of the project facilityrequested. Applicable to projectfinancing only under non farm/noncrop sector.

0.5% on unutilised portion ofsanctioned amount. Applicable to TFfacilities only.

Actual charges of lawyers on thebank's approved panel

Actual charges of valuators on thebank's approved panel


Rs. 500/- per month or part thereof

Rs. 1000/- per month or part thereof

Rs. 2,000/- per month or part thereof

1% p.a. late payment charges to berecovered on the overdue amount for

the overdue period at the time ofcleanup/payment of instalment/rental

Rs. 500/- per applicationRs. 250/- per applicationRs. 100/- per day after 15 days ofbecoming due

C. Alfalah Rural Finance

7/23/2019 Sobc Jul Dec 2015


CLPs for guarantees are subject toprocessing charges as mentioned in 1.c.Advance section CLP processing charges

1.a) Guarantees issued to shippingcompanies in lieu of Bills of LadingAirways Bill and Railway Receipt

1.b) Guarantees issued to Collector ofCustoms in lieu of payment of exportduty, which remains valid for 6months

1.c) Guarantees secured againstCash/Cash collaterals(Deposits/Government Securities,etc)

1.d) Other Guarantees

Rs. 1,500/- (flat) against 110% cashmargin. The cash margin may bereduced to 100% or as per


0.60% per quarter or part thereof.Minimum Rs.1,500 or as perarrangement approved by the Creditand Business authorities.

Against 100% cash margin:Rs.1000/-

flatAgainst 100% Deposit Under Lien:

Negotiable (Min. Rs.1,000/-)

on account other than 100% cashmargin & current account:1) Min 0.15% per quarter having goodaccount turnover. Minimum Rs.1250/-or as per the arrangement approvedby the credit and business authorities.2) Max 0.30% per quarter. MinimumRs.1250/- or as per the arrangementapproved by the by credit and

business authorities

All guarantees issued by Bank Alfalahagainst the receipt of counterguarantee from CorrespondentBanks counter guarantees thecommission charged to the customerswould be determined and approved byFinancial Institution Division

Annual Volume PricingUp to Rs. 50M 0.40%Up to Rs. 150M *min 0.35%Up to Rs. 300M *min 0.30%Minimum Rs.1,500/- The above relaxations from 0.40%per shall be allowed or as perarrangement approved by the Creditand Business authorities based onthe cash margin % and other creditrisk factors.

For allowing such privileged ratesthe a commitment letter shall betaken.

Advances/Finances

D. Guarantees

PL52395/PKR159640001

PL52395/PKR159640001

PL52395/PKR

159640001

PL52395/PKR159640001

PL52395/PKR159640001

PL52395/PKR159640001

GL Account

17

7/23/2019 Sobc Jul Dec 2015


PL52395/PKR159640001

52380

PL52395

PL52395/PKR159640001

PL52395

GL Account

18

Advances/Finances

1.e) Issued at other Bank's request inPakistan

1.f) Against Foreign Bank'sguarantees

1.g) i) Amendments of Guarantees

ii) Increase in amount and orextension in period

1.h) Service charges for handling claimlodgment against LGs by the beneficiary

from the customer and placed onrecord. While executing renewal ofthe facility the Credit marketing andthe sanctioning authority both shallensure that committed annualvolume was routed otherwisebalance from the full commission at0.4% per quarter for every LG issuedwithin the year shall be recovered.

As per arrangement approved by theCredit and Business authorities.

As approved by FID plus or as perarrangement approved by the Creditand Business authorities.

Rs. 1,000 per amendment

Commission as per item 1.d above

Rs. 2,500/- plus actual

Note• All Guarantees issued by Bank will contain specific amount and expiry date and a date by

which the claims are to be lodged, except open ended Guarantee issued in compliance withSBP instructions.

• Commission to be charged from the date of issue till expiry of Letters of Guarantees. In caseof open ended guarantee, commission will continue to be charged till such time the bank is

released from its liability under the Guarantees, whichever is later.

7/23/2019 Sobc Jul Dec 2015


Consumer Banking

i) Service fee

3.33% per month (40% APR) onCash Advance3.33% per month (40% APR) onRetail Transactions2% per month (24% APR) on BTFTransactionsSBS Transactions (APR 31.23% to36.74%)

SBS Factors & APR details:

Instalment Plan Factor APR

3 months 0.3508330 31.23%

6 months 0.1841670 35.15%

9 months 0.1286110 36.36%

12 months 0.1008330 36.74%

18 months 0.0730560 36.68%

24 months 0.0591670 36.22%

30 months 0.0508330 35.66%

36 months 0.0452780 35.07%

BTF to SBS transactions (APR 17.73%to 21.44%)BTF to SBS factors & APR details:


3 months 0.343233 17.73%

6 months 0.176567 20.09%

9 months 0.121011 20.90%

12 months 0.093233 21.25%

18 months 0.065456 21.44%

24 months 0.051567 21.37%

30 months 0.043233 21.21%

36 months 0.037678 21.01%

Credit on Phone to SBS Transactions(APR 24.58% to 29.27%)Credit on Phone to SBS Factors &APR details:


3 months 0.34708 24.58%

6 months 0.18042 27.76%

9 months 0.12486 28.79%

12 months 0.09708 29.18%

18 months 0.06931 29.27%

24 months 0.05542 29.03%

30 months 0.04708 28.69%

36 months 0.04153 28.30%

Cheque Book and Credit on Phone toSBS Transactions (APR 24.58% to29.27%)Credit on Cheque Book and Crediton Phone to SBS Factors and APR

details:Instalment Plan Factor APR

3 months 0.34708 24.58%

6 months 0.18042 27.76%

9 months 0.12486 28.79%

A. Visa / MasterCard1. Credit Card Operations (July-December-2015)

PL55601,PL55602,PL55603

PL55605

PL55605

PL55605

PL55605

GL Account

19

7/23/2019 Sobc Jul Dec 2015


Consumer Banking

Rs. 1,000/- or 3% of cash advanceamount whichever is higher1% of cash advance amount1% of cash advance amount orRs. 300/- whichever is higher

Rs. 200/- (available in cities havingBank Alfalah branches)

2% of the over limit amount orRs. 1,000/- whichever is higher

Local Rs. 350/- and internationalRs. 800/-

Rs. 500/-

Rs. 800/-

Rs. 500/- or 2.5% of transactionamount whichever is higher

5% on balance amount or Rs. 1,000/-whichever is higher

0.55% of outstanding amount

Rs. 25/- per utility bill (through ATM)Rs. 30/- per utility bill (Below 5,000through Call)

Rs. 50/- per utility bill (Above 5,000through Call)

US$ 10.00US$ 31.80 per visit

Rs. 50/- per month

Rs. 100/- per month

Rs. 25/- per transaction

Rs. 10/- per PIN

Up to 5% over prevailing market rate oras per SBP directive. Third currency

A. Visa/MasterCard

ii) Late fee

iii) Merchant discount charges

iv) Visa minicard fee

v) Cash withdrawal fee: a) Cash advance fee/call & pay fee

b) Acquiring bank charges c) Counter fee of other cards

vi) Cheque/cash pickup fee

vii) Over limit fee

viii) Voucher retrieval fee

ix) Card replacement fee/upgrade fee

except Platinum Card upgradationfee

x) Cheque return charges/rejected

autopay service fee xi) Step by Step/Credit on Phone to SBS

processing charges

xii) Step by Step/Credit on Phone to SBSpremature settlement charges

xiii) Credit cover premium

xiv) Utility bill payment

xv) Visa Platinum/Titanium Priority Pass fee

a) Annual fee b) Airport lounge visit fee

xvi) SMS alert fee

xvii) Mobile banking fee

xviii) Merchant Cash Advance Incentive

xix) Mobile PIN issue charges

xx) Foreign transactions

12 months 0.09708 29.18%

18 months 0.06931 29.27%

24 months 0.05542 29.03%

30 months 0.04708 28.69%

36 months 0.04153 28.30%

Rs.1,200/- or 10% of minimumamount whichever is higher

Up to 5% of transaction amount

Rs. 500/- per card

PL55536

PL52025

PL55526

PL55528

PL55528PL55528

PL65060

PL55533

PL55539

PL55526

PL55530

PL55534

PL55538

PKR144530050

PL55548

PKR152150050PKR152150050

PL55566

PL65060

PL55528

PL65060

PL55613

GL Account

20

7/23/2019 Sobc Jul Dec 2015


Consumer Banking

xxi) Arbitration charges

xxii) Insurance cancellation charges

xxiii) Platinum Card issuance fee

xxiv) Platinum Supplementary Cardissuance fee

xxv) Platinum Card upgradation fee

xxvi) Platinum Supplementary Cardupgradation fee

xxvii) Internet charges

xxviii) Reward point booklet charges

xxix) Virtual Card issuance fee

xxx) BTF processing fee

xxxi) Direct debit enrollment fee

xxxii) Chip Card upgrade charges

xxxiii) Safe custody handling charges

xxxiv) Card conversion fee (one time charges)

xxxv) Cheque book facility on all cardsIssuance charges

xxxvi) Foreign currency transactionsprocessed through foreignmerchants

( xxxviii ) C-Shop products for value more than Rs 5,000/-

i) Service fee

transactions will be first convertedinto US Dollars as per rate quotedunder arrangement with Visa andMasterCard. Cross border transactionfee will also be charged as perVisa/MasterCard rules.

US$ 500/-

Rs. 100/-

Rs. 4,000/-

Rs. 2,000/-

Rs. 1,500/-

Rs. 1,000/-

Rs. 100/- (per session)

Rs. 300/- (per book)

Rs. 100/-


Rs. 200/-

Classic (Basic) Rs. 500

Classic (Supplementary) Rs. 500

Gold (Basic) Rs. 750

Gold (Supplementary) Rs. 750

Platinum (Basic) Rs. 1,000Platinum (Supplementary) Rs. 1,000

Titanium (Basic) Rs. 1,250

Titanium (Supplementary) Rs. 800

Rs. 500/- on post dated cheques

Up to 2000/-

Rs. 200/-per book (20 leaves)

Rs. 0.4 per dollar for all USDtransactions; for non USDinternational transactions, 3% to becharged in addition to Rs. 0.4 perdollar.

Processing fee of 2.5% or Rs.500/-whichever is higher on pertransaction amount.

3.33% per month (40% APR) on

cash advance3.33% per month (40% APR) on

retail transactions

2.00% per month (24% APR) on BTFtransactions

A. Visa/MasterCard

2. Awami Visa/MasterCard (July-December-2015)

GL Account

21

PKR144340050

PL65060

PL55526

PL55526

PL55226

PL55226

PL65060

PL65060

PL65060

PL55534

PL55534

PL52033

PL65060

PL65060

PL65060

PL55613

PL55534

PL55601,

PL55602,PL55603

7/23/2019 Sobc Jul Dec 2015


ii) Late fee

A. Visa/MasterCard

Consumer Banking

SBS Transactions (APR 31.23% to36.74%)SBS Factors & APR details:


3 months 0.3508330 31.23%

6 months 0.1841670 35.15%

9 months 0.1286110 36.36%

12 months 0.1008330 36.74%

18 months 0.0730560 36.68% 24 months 0.0591670 36.22%

30 months 0.0508330 35.66%

36 months 0.0452780 35.07%

BTF to SBS Transactions (APR17.73% to 21.44%)BTF to SBS Factors & APR details:


3 months 0.343233 17.73%

6 months 0.176567 20.09% 9 months 0.121011 20.90%

12 months 0.093233 21.25%

18 months 0.065456 21.44%

24 months 0.051567 21.37%

30 months 0.043233 21.21%

36 months 0.037678 21.01%

Credit on Phone to SBS Transactions(APR 24.58% to 29.27%)Credit on Phone to SBS Factors &APR details:


3 months 0.34708 24.58%

6 months 0.18042 27.76%

9 months 0.12486 28.79%

12 months 0.09708 29.18%

18 months 0.06931 29.27%

24 months 0.05542 29.03%

30 months 0.04708 28.69%

36 months 0.04153 28.30%

Cheque Book and Credit on Phone to

SBS Transactions (APR 24.58% to29.27%)Credit on Cheque Book and Crediton Phone to SBS Factors and APRdetails:


3 months 0.34708 24.58%

6 months 0.18042 27.76%

9 months 0.12486 28.79%

12 months 0.09708 29.18%

18 months 0.06931 29.27%

24 months 0.05542 29.03%

30 months 0.04708 28.69%

36 months 0.04153 28.30%

Rs. 500/- or 10% of minimum amountwhichever is higher

GL Account

22

PL55605

PL55605

PL55605

PL55605

PL55536

7/23/2019 Sobc Jul Dec 2015


iii) Merchant discount fee

iv) Cash withdrawal fee

a) Cash advance fee/Call & Pay fee

b) Acquiring bank charges c) Counter fee of other cards

v) Cheque/cash pickup fee

vi) Over-limit fee

vii) Voucher retrieval fee

viii) Card replacement fee/Upgrade fee

ix) Cheque return charges/rejected

autopay service fee

x) Step by Step/Credit on Phone toSBS processing charges

xi) Step by Step/Credit on Phone to SBS premature settlement charges

xii) Credit cover premium

xiii) Utility bill payment

xiv) SMS alert fee

xv) Mobile Banking fee

xvi) Merchant cash advance incentive

xvii) Documentation fee

xviii) Mobile PIN issue charges

xix) Foreign transactions

xx) Arbitration charges

xxi) Insurance cancellation charges

xxii) Reward point booklet charges

xxiii) BTF processing fee

xxiv) Direct debit enrollment fee

xxv) Safe custody handling charges

A. Visa/MasterCard

Consumer Banking

Up to 5% of transaction amount

Rs. 400/- or 3% of cash advanceamount whichever is higher1% of cash advance amount1% of cash advance amount orRs.300/- whichever is higher


2% of the over limit amount orRs. 500/- whichever is higher

Local Rs. 350/- and internationalRs. 800/-

Rs. 250/-

Rs. 400/-


5% on balance amount or Rs.1000/- whichever is higher


Rs. 15/- per utility bill

Rs. 50/- per month



Rs. 500/-

Rs. 10/- per PIN

5% over prevailing market rate or asper SBP directive. Third currencytransactions will be first converted

into US Dollars as per rate quotedunder arrangement with Visa andMasterCard. Cross bordertransaction fee will also be chargedas per Visa/MasterCard rules.

US$ 500/-

Rs. 100/-

Rs. 300/- (per Book)


Rs. 200/-


GL Account

23

PL52025

PL55528

PL55528

PL65060

PL55533

PL55539

PL55526

PL55530

PL55534

PL55538

PKR144530050

PL55548

PL55566

PL65060

PL55528

PL65060

PL65060

PL55613

PKR144340050

PL65060

PL65060

PL55534

PL55534

PL65060

7/23/2019 Sobc Jul Dec 2015


xxvi) Cheque book facility on all cardsissuance charges

xxvii) Foreign currency transactionsprocessed through foreignmerchants

xxviii) C-Shop products for value more thanRs 5,000/-

i) Service fee

ii) Late fee

iii) Cash withdrawal fee (a) Cash advance fee

(b) Acquiring bank charges

iv) Cheque/Cash pickup fee

v) Over-limit fee

vi) Voucher retrieval fee

vii) Card replacement fee

viii) Cheque return charges/rejectedautopay service fee

ix) Credit cover premium

x) Utility bill payment

xi) Priority pass fee:

a) Annual fee

b) Airport lounge visit fee

xii) SMS alert fee

xiii) Mobile Banking fee

xiv) Merchant Cash Advance Incentive

xv) Mobile PIN issue charges

A. Visa/MasterCard

Consumer Banking

Rs. 200/- per book (20 leaves)

Rs. 0.4 per dollar for all USDtransactions; for non-USD internationaltransactions, 3% to be charged inaddition to Rs. 0.4 per dollar.

Processing fee of 2.5% or Rs.500/-whichever is higher on pertransaction amount.

2% per month (24% APR) on cashadvance 2% per month (24% APR)on Retail Transactions Rs. 1,200 or 10% of minimumamount whichever is higher

Rs. 1,000/- or 3% of cash advanceamount whichever is higher1% of cash advance amount


2% of the over limit amount orRs. 1,000/- whichever is higher

Local Rs. 500/- and international

Rs. 1,000/-

Rs. 2,000/-

Rs. 1,000/-


Rs. 25/- per utility bill (through ATM)Rs. 30/- per utility bill (Below 5,000

through Call)Rs. 50/- per utility bill (Above 5,000through Call)

US$ 10.00

US$ 31.80 per visit

Rs. 50/- per month

Rs. 100/- per month


Rs. 10/- per PIN

3. Corporate Credit Card (July-December-2015)

GL Account

PL65060

PL55613

PL55534

PL55601,PL55602

PL55536

PL55528

PL55528

PL65060

PL55533

PL55539

PL55526

PL55530

PKR144530050

PL55548

PKR152150050PKR152150050

PL55566

PL65060

PL55528

PL65060

24

7/23/2019 Sobc Jul Dec 2015


xvi) Foreign transactions

xvii) Arbitration charges

xviii) Internet charges

xix) Reward point booklet charges

xx) Virtual Card issuance fee

xxi) Annual fee

xxii) Card Renewal Fee

xxiii) Card Issuance Fee

xxvi) Direct debit enrollment fee

xxvii) Chip Card issuance fee

xxviii) Safe custody handling charges

xxix) Foreign currency transactions

processed through foreignmerchants

4a Gift/Virtual/Travel/Remittance Card

i) Card issuance fee

ii) Card replacement fee

iii) Voucher retrieval fee

iv) Cash withdrawal

a) From Bank Alfalah's ATM

b) From 1- Link member bank ATM

c) From MNET ATM

d) From Visa member bank ATM

e) From Non-Bank Alfalah's POS

Machine

A. Visa/MasterCard

4. Prepaid Card (July-December-2015)

Consumer Banking

Up to 5% over prevailing market rateor as per SBP directive. Third currencytransactions will be first convertedinto US Dollars as per rate quotedunder arrangement with Visa andMasterCard. Cross border transactionfee will also be charged as perVisa/MasterCard rules.

US$ 500/-


Rs. 300/- (per Book)

Rs. 100/-

Rs. 6,000/- per card

No renewal fee

No Issuance fee

Rs. 200/-

Rs. 750/- for Principal Member,Rs. 500/- for Supplementary Card


Rs. 0.4 per dollar for all USD

transactions; for non-USD internationaltransactions, 3% to be charged inaddition to Rs. 0.4 per dollar.

Rs. 100/-

Rs.200/-

Local Rs. 350/- and InternationalRs. 800/-

NIL



Rs. 300/- or 3% of cash withdrawalamount, whichever is higher

Rs. 300/- or 3% of cash withdrawal

amount, whichever is higher

PL55613

PKR144340050

PL65060

PL65060

PL65060

PL55611

PL55534

PL52033

PL65060

PL55613

PL55526

PL55526

PL55539

PKR144310050PKR144310050

PL55528

PL55528

GL Account

25

7/23/2019 Sobc Jul Dec 2015


Consumer Banking

v) Balance enquiry: a) From Bank Alfalah's ATM b) From 1- Link member bank ATM c) From MNET ATM d) From Visa member bank ATM

vi) Mobile PIN issuance charges

vii) SMS alert fee

viii) Merchant cash advance incentive/call and pay fee

ix) Acquiring bank charges

x) Cheque return charges/rejectedAutopay service fee

xi) Utility bill payment

xii) Reload fee

xii) Internet charges

xiii) Cheque Book issuance charges

xiv) Foreign transactions

xv) Arbitration charges

4b. Payroll/merchant card


ii) Card replacement fee


iv) Cash withdrawal

a) From Bank Alfalah's ATM b) From 1- Link member bank ATM

c) From MNET ATM


A. Visa/MasterCard

NILNILRs. 5/- per enquiryRs. 25/- per enquiry

Rs. 10/- per PIN

Rs. 50/- per month

Rs. 25/-per transaction

1% of cash advance amount

Rs. 800/-

Rs. 25/- per utility bill (through ATM)Rs. 30/- per utility bill (below Rs.

5,000/- through Call)Rs. 50/- per utility bill (above Rs.5,000 through Call)

Rs. 100 /-


Rs. 300/-


US$ 500/-

(July-December-2015)

NIL

Rs. 200/-

Local Rs. 350/- and InternationalRs. 800/-

NILRs. 15/- per transaction


Rs. 300/- or 3% of cash withdrawal


PKR144310050PKR144310050

PL65060

PL55566

PL55528

PL55528

PL55530

PL55548

PL65060

PL65060

PL65060

PL55613

PKR144340050

PL55526

PL55539

PKR144310050PKR144310050

PL55528

GL Account

26

7/23/2019 Sobc Jul Dec 2015


Consumer Banking

e) From Non-Bank Alfalah's POSMachine

v) Balance enquiry



c) From MNET ATM


vi) Mobile PIN issuance charges

vii) SMS alert fee

viii) Merchant cash advance incentive/

call and pay fee

ix) Acquiring bank chargesx) Cheque return charges / rejected

Autopay service fee

xi) Utility bill payment

xii) Internet charges

xiii) Cheque Book issuance charges

xiv) Foreign transactions

xv) Arbitration charges

5. Debit Card


a) Supplementary card Issuance/Renewal fee

b) Supplementary Royal Platinumdebit cards issuance/renewal fee

c) Supplementary Alfalah KarobarFinance debit cards issuance/renewal fee

ii) a) Basic Card replacement feeb) Royal Platinum Debit Cards

replacement fee c) Alfalah Karobar Finance Debit

cards replacement fee

A. Visa/MasterCardRs. 300/- or 3% of cash withdrawal


NIL

NIL

Rs. 5/- per enquiry

Rs. 25/- per enquiry

Rs. 10/- per PIN

Rs. 50/- per month


1% of cash advance amountRs. 800/-

Rs. 25/- per utility bill (through ATM)Rs. 30/- per utility bill (Below 5,000through Call)Rs. 50/- per utility bill (Above 5,000through Call)

Rs. 100/- (Per session)

Rs. 300/-


US$ 500/-


Rs. 500/-

Rs. 1000/-

Rs. 750/-

Rs. 500/-Rs. 1000/-

Rs. 750/-

PL55528

PKR144310050

PKR144310050

PL65060

PL55566

PL55528

PL55528PL55528

PL55548

PL65060

PL65060

PL55613

PKR144310050

PL55611

PL55611

PL55611

PL55526PL55526

PL55526

GL Account

27

7/23/2019 Sobc Jul Dec 2015


Consumer Banking


iv) Cash withdrawal



c) From MNET ATM


e) From Bank Alfalah's POS Machine

f) From Non-Bank Alfalah's POS

machine

v) Balance enquiry



c) From MNET ATM


vi) Third party transfers fee

a) Inter Bank Funds Transfer

b) Inter Branch Funds Transfer

vii) SMS alert fee

viii) Virtual Card issuance fee

ix) Utility bill payment

x) Priority Pass Fee

a) Annual fee b) Airport lounge Visit Fee

xi) Annual fee

xii) Foreign transactions

xiii) Arbitration charges

A. Visa/MasterCard

Local Rs. 350 and International Rs. 800

NIL



Rs. 300 or 3% of cash withdrawal


NIL

Rs. 300 or 3% of cash withdrawal


NIL

NIL

Rs. 5/- per enquiry

Rs. 25/- per enquiry



Rs. 50/- per month

Rs. 100/-

Rs. 25/- per utility bill (through ATM)Rs. 30/- per utility bill (Below 5,000through Call)Rs. 50/- per utility bill (Above 5,000through Call)

US$ 10.00US$ 31.80 per visit

Rs. 300/- per Classic/AKK DebitCard per yearRs. 500/- per Gold/AKF Debit Cardper yearRs. 1,000/- per Royal Platinum DebitCard per year

Up to 5% over prevailing market rate

or as per SBP directive. Third currency

transactions will be first converted

into US Dollars as per rate quoted

under arrangement with Visa andMasterCard. Cross border transaction

fee will also be charged as per

Visa/MasterCard rules.

US$ 500/-

PL55539

PKR144310050PKR144310050

PL55528

PL55528

PKR144310050

PKR144310050

PKR144310050PKR144310050

PL55566

PL65060

PL55548

PKR152150050PKR152150050

PL55611

PL55613

PKR144310050

GL Account

28

7/23/2019 Sobc Jul Dec 2015


Consumer Banking

i) Processing fee

ii) Late payment fee

iii) Early settlement penalty

iv) Balloon / partial payments

v) Cheque return charges

vi) Pay order reissuance

vii) Enhancement fee

viii) Litigation charges

ix) Cheque collection charges

x) Reissuance of payoff sheet /ammortization schedule

i) Processing & documentationcharges per application

ii) Vehicle Evaluation Charges (IfApplicable)

iii) Registration Service Charges

iv) Premature termination charges

• 12 or less instalments remaining • 13 to 24 instalments remaining • 25 to 36 instalments remaining • 37 to 84 instalments remaining

v) Cheque return or rejected auto paycharges

vi) Penalty on late payment

vii) Penalty on late insurance premium

viii) Vehicle repossession charges

B. Personal Loans1. Personal Loans (July-December-2015)

Rs 2,500/- or 1 % of the loanamount whichever is higher

Rs 500/- per missed instalment

5% of the remaining amount

5% of the paid amount (A year is

equal to 12 instalments from the dateof disbursal. Maximum of 2 partialpayments are allowed in an yearwhere each partial payment cannotexceed a total of 6 instalments).

Rs 500/-

Rs 500/-

Rs 2000/-

At actual

Rs 500/-

Rs 500/-

Rs. 5,000/-

Upto Rs. 3,000/-

Upto Rs. 3,000/-

2 % of the principal outstanding3 % of the principal outstanding4 % of the principal outstanding5 % of the principal outstanding

Rs. 500/-

Rs. 1,000/- per installment.

Rs. 300/- per month

Upto Rs. 100,000/-

C. Alfalah Car Financing/Consumer Car Lease Finance

1. Alfalah Car Financing/Consumer Car Lease Finance


PL52016

PL55521

PL52029

PL52029

PL55530

PL52003

PL65060

PL65060

PL65060

PL65060

PL52014

PL65507

Third Partypayment

PL65076

PL65076

PL65076

PL65076

Third partypayment

GL Account

29

7/23/2019 Sobc Jul Dec 2015


Consumer Banking

ix) Survey charges for repossessedvehicle

x) Warehouse charges for repossessedvehicle

xi) Comprehensive insurance charges

xii) Income Evaluator Charges (if

applicable)

i) Processing Fee

Processing Fee (local salaried)

Processing Fee(self-employed/businessperson)

Processing Fee (expatriatecustomer)

Processing Fee (Alfalah GreenMortgage)

For All Customers and Amounts

ii) Evaluation Charges

iii) Documentation Charges

iv) Late Payment Charges for

Financed/Disbursed Loan amount

v) Penalty on BTF

vi) Early Settlement Penalty Alfalah Home Finance (all products excluding Green Mortgage)

C. Alfalah Car Financing/Consumer Car Lease FinanceUpto Rs. 2,500/-

Rs. 1,000 per month

At actual

Upto Rs. 3,000/-

Rs. 5000/- (flat)

Rs. 10,000/- (flat)

Rs. 5000/- (flat)

Rs. 5000/- (flat)

At Actual

At Actual, including stamp duty,charges for legal documentation, on-site inspection during construction,lawyer's fee and charge registrationfee, as advised by the relevantagencies / persons.

Rs. 1000 per instalment

Upto 6% of outstanding amount (ifloan transferred to another lender)

5% if paid within first five years ofdisbursement and 3% afterwards tillmaturity of facility.

D. Alfalah Home Finance

1. Alfalah Home Finance (July-December-2015)

Third partypayment

PL65076

Third partypayment

Third party

payment

PL65045

PL65045

PL65045

PL65045

Third partypayment

PL65045

PL65071

PL65072

PL65072

GL Account

30

7/23/2019 Sobc Jul Dec 2015


Consumer Banking

vii) Early Settlement Penalty on GreenMortgage

viii) Balloon / Partial payments

Maximum two allowed in a year witha minimum of 10% & maximum of20% of the outstanding balance.However no balloon payment shallbe allowed during 1st year ofdisbursement without levy of penalty.

ix) Adjustment of plot purchase Loan(Without Construction)

x) In case the delay occurs on part ofthe customer in availing the facility,the following fresh reports (Ifrequired) shall be obtained at hiscost:valuation report , Incomeestimation report.

xi) All related charges like;Cheque

Return Fee etc, as applicable in

general banking are payable.

xii) Income Estimation whereverapplicable / required

D. Alfalah Home Finance7% in first year and 6% afterwardstill maturity of facility

Balloon / Partial paymentsaggregating over & above 20% ayear are allowed subject to paymentof upto 5% penalty on amountadjusted. Any balloon payment ofwhatsoever amount in the 1st yearof disbursement shall attract 5%penalty on the amount adjusted.In all the cases, maximum penaltyamount would be 5% of amountadjusted.

Upto 6% of the plot purchasefacility amount

At Actual

At Actual

Note: These charges are subject to change on half-yearly basis. However terms and conditions once

specifically offered in individual cases for the whole tenure of the loan will remain unchanged/unaffected. You may collect the latest copy of Schedule of Charges from any Bank Alfalah branch.

“All Govt. levies on all above charges or otherwise will be payable by the applicant/borrower.”

PL65072

PL65072

PL65072

Third partypayment

PL65060

Third partypayment

GL Account

31

7/23/2019 Sobc Jul Dec 2015


General Banking

1.b) Demand Draft through Debit ofAccount

1.c) Issuance of duplicate FDD

Cancellation of FDD/FTT/FMT

Stop payment of FDD

1.d) Inward: If proceeds are credited to an account

maintained with us others

1.e) Received from abroad or localBank's branches & where payment isdemanded in Foreign Currency

1.f) Home Remittance

1.g) Others

1.a) Pay Order

PO for payment of fees/dues infavour of educational institution,HEC/Board etc.

US$ 10 or equivalent PKR plus actualSWIFT charges

US$ 5 or equivalent PKR plus Actual

SWIFT Charges

US$ 5 or equivalent PKR plus actualSWIFT charges

NILUS$ 5 or equivalent

Minimum US$ 3 - maximum US$ 6plus actual SWIFT charges arerecoverable from collecting Bank tobe deducted from the proceeds

NIL, if proceeds are credited to anaccount with us

Rs. 50/- plus Money Order/Telegramcharges

PO/ Manager Cheque

for A/c Holders:Rs.120

For Non A/c Holder: upto 100 k -Rs.500/- Flatabove 100k - Rs.1000/- Flat

DD (Demand Draft) For Account Holders:Rs. 120/-

For Non A/c Holder: upto 100 k -Rs.500/- Flat

above 100k - Rs.1000/- Flat

0.50% of fees dues or Rs. 25/- perinstrument whichever is less

USD 15 flat rate for payments up toUSD1,0000.25% of payment exceedingUSD1,000, with min. charge ofUSD15 & max. charge of USD75SWIFT charges US$ 5 or eqv. PKRwill be additional

US$ 12 or equivalent PKR + SWIFTCharges

0.3% will also be applicable ifamount is not retained in theaccount for 15 days

1.a) Outward T.T. through debit of Account

A. Inward/Outward Remittances (Foreign)

and Cheque Purchase

B. Remittances (Domestic)

52107Swift Charges:

55510

52101

Swift Charges:55510

52103Swift Charges:

55510

52102Swift Charges:

55510

52002Swift Charges:55510

52110

52110Money

Order/TelegramCharges: 55589

52101

52101

52101

GL Account

32

7/23/2019 Sobc Jul Dec 2015


General Banking

1.b) Cancellation of Pay Order

Stop Payment of Pay Order

1.c) Issuance of duplicate Pay Order

1.d) Issuance of Drafts, MTs, & TTs

i) Drawn on us:

( ii) Drawn on other Banks:

i) Up to Rs. 10,000/-

ii) From Rs. 10,001/- to Rs. 100,000/-

iii) From Rs. 100,001/- to Rs. 1,000,000/-

iv) From Rs. 1,000,001/- to Rs. 2,000,000/- v) Over Rs. 2,000,000/-

DD for payment of fees/dues infavour of educational institution,HEC/Board etc.

1.e) i) Cancellation of DDs / TTs/MCs

ii) Issuance of duplicate DD/MCs

iii) Stop payment of DD/MCs

1.f) Issuance of SBP/NBP Cheque (ifpermissible by SBP)

1.g) RTGS charges

Monday to Friday

1. Safe Deposit Locker

1.a) Fee for safe deposit lockers

Rs.250(flat)

Rs.300(flat)

Rs. 200/- (flat)

(Courier/postage charges are not

applicable in case of issuance ofDD/MT/TT)Above Rs. 1 Million - NIL

0.25% minimum Rs. 50/-

0.20% minimum Rs. 100/-

0.10 % minimum Rs. 200/-

0.075% minimum Rs. 500/-0.015% minimum Rs. 1,000/-

0.50% of fees dues or Rs. 25/- perinstrument whichever is less

Rs. 250 (flat) per cancellation

Rs. 200/- (flat) per item

Rs. 300/- per instrument


9.30 am to 1.30 pm - Rs. 220/-

1.30 pm to 3.00 pm - Rs. 330/-

3.00 pm to 4.00 pm - Rs. 550/-

(subject to Treasury approval)

(To be recovered in advance or at

commencement of the period for a year)

B. Remittances (Domestic)

C. Sale/Purchase of Securities, Safe Custody,

Articles in Safe Deposit and Safe Deposit Lockers

Cancellation:52102

Stop payment52002

52103

52101

52102

52103

52002

55582

GL Account

33

7/23/2019 Sobc Jul Dec 2015


General Banking

i) Small

ii) Medium

iii) Large

1.b) Key deposit (in advance to berefunded on termination)

1.c) Breaking

1.d) Late fee (locker rental)

1.e) Locker facility for staff of BankAlfalah Ltd.

2.a) Sale/purchase of shares

2.b) Withdrawal fee i) Withdrawal fee on shares/securities

held in safe custody (to be recoveredat time of withdrawal)

ii) Withdrawal fee on governmentsecurities where shares and/orsecurities sold are from those held insafe custody, either commission onsale of share securities as shownagainst item 2.a) or withdrawal fee, asshown against item 2b) i) and ii)whichever is higher, will be charged

*Rent Rs. 2,500- per annumor life time free locker facility ondeposit of Rs. 30,000/- KeyDeposit. Refundable in case ofsurrender of the locker facility.

*Rent Rs. 3,500/- per annumor life time free locker facility ondeposit of Rs. 40,000/- Key

Deposit. Refundable in case ofsurrender of the locker facility.

*Rent Rs. 5,500/- per annumor life time free locker facility ondeposit of Rs. 50,000/- KeyDeposit. Refundable in case ofsurrender of the locker facility.

Equivalent to annual rent of oneyear according to the size of thelocker.

Actual Cost of breaking plus Rs.1,000 per locker for all locker sizes.

Rs. 200/- per month or part thereoffor all locker sizes.

Staff will be allowed one locker freeof key deposit while rent will be50% of the prescribed rate. Latepayment fees will however becharged at regular rates.

0.125% on the first Rs. 10,000/- of

purchase price or cost thereof.Minimum Rs. 50/- and 0.10% onamount exceeding Rs. 10,000/- orminimum Rs. 75/-

0.50% on the first Rs. 10,000/- ofthe paid up value minimum Rs. 50/-and 0.15% on amount exceedingRs. 10,000/- minimum Rs. 100/-

Rs. 5/- per script

C. Sale/Purchase of Securities, Safe Custody, Articles in Safe Deposit and Safe Deposit Lockers

Depositor maintaining deposit monthly average balance of Rs. 2 million or US$ 25,000 in

current account or monthly average balance of Rs. 5 million or US$50,000 in regular saving

account or Alfalah Kifayat account or average monthly balance of Rs. 8 million in Royal Profitaccount will be provided free small/medium locker for a year. This facility will be available for

existing customers who are maintaining the required average balance for one year.

2. Sale / Purchase of Securities

55512

55512

55512

PKR15924XXX(where xxxx is

the branchcode)

55585

55512

52618

52619

52620

GL Account

34

7/23/2019 Sobc Jul Dec 2015


General Banking

Note

• Commission will not be recovered on purchase of newly floated securities, where it is not payable

by the Government/Agencies/and from the subscribers to new share floatation.• When orders for purchase/sale of share/securities are executed through the Bank's other offices,

all incidental expenses will be recovered in addition to commission brokerage.

• The above charges are in addition to brokerage.

2.c) Collection of profit/return anddividend

2.d) Handling charges (for convensingrenewal/consideration/subdivision of Govt. Securities)

2.e) Issuance of Rupee Travellers Cheque

3.a) Share custodial services of CentralDepository Company of Pakistan Ltd.

3.b) Boxes & packages

3.c) Envelopes

4.a) Issuance of duplicate securities

5.a) Balance Up to Rs.1million

Balance above Rs.1million

5.b) Transaction charges

5.c) IPS Statement

1.a) Balance confirmation certificate

1.b) Balance confirmation to auditors

1.c) SMS Alerts charges for branch banking customers

0.5% on the amount of interest/return/dividend collected/paidincluding deposit certificate issued byGovernment agencies minimum Rs. 50.

Rs. 25/- per script. Rs. 50/- (flat) incase of Deposit Certificate issued byGovernment agencies.

Rs. 10/- per RTC

Actual charges charged by CDC, plus1% of share value on the first ofevery month or Rs. 5/- per shareeach month, whichever is higher(payable up-front, in advance)

Rs. 1/- per 100 cubic inches or any partthereof with a minimum of Rs. 200/-

Rs. 0.50/- per 25 square inches or anypart thereof with a minimum of Rs. 100/-

Rs. 1,000/- (flat)

NIL

NIL

NIL

NIL

Rs. 250/- (flat)

Rs. 500/-

Rs. 50/- Per Month

3. Articles in Safe Custody

4. Issuance of certificate for safe items

5. Investment portfolio securities

1. Balance Confirmation

C. Sale/Purchase of Securities, Safe Custody, Articles in Safe Deposit and Safe Deposit Lockers


52621

52607

52051

52605

55512

55512

52605

55573

55574

AUTO

GL Account

35

7/23/2019 Sobc Jul Dec 2015


General Banking

2.a) Statement of Account on request(including duplicate)

2.b) Duplicate advice charges

3.a) Issuance of new Cheque Book

3.b) Stop payment of Cheques

3.c) Stop payment of lost Cheque Book

4 a) Pak Rupee Clearing

i) Same day clearing charges

ii) Intercity clearing charges

iii) Cheque returned unpaid • Inward clearing (applies on

Intercity clearing as well) • Outward clearing (excluding OBC)

• Cash cheques returned

• OBC return charges

• Inward bill for collection,returned unpaid

4 b) US$ Clearing

• Outward clearing

• Inward clearing returned

• Outward clearing Returned

Rs. 35/- per statement(inclusive of FED)

Rs. 50/- per copy

Rs. 7/- per leaf

Rs. 300/- per cheque maximumRs. 1,000/- per request (if allcheques pertain to same chequebook). No returned Cheque chargesshall be deducted from customersfor instruments on which StopPayment has been marked.

Rs. 1,000/- or US$ 12 or equivalent

PKR for FCA

Rs.375/- per instrument

As per actual


NIL


Rs. 200/- per cheque returned(Postage / courier charges are notapplicable)


US$ 5/- per instrument plus actual

postage/courier charges

US$ 12 per instrument plus actualpostage/courier charges

US$ 10/- per instrument plus actualpostage/courier chargesCorrespondent bank charges will beextra, if any

2. Statements/Advices

3. Cheques/Cheque Books

4. Clearing


55532

55575

52003

52002

52002

55583

55583

55583

55583

55583

55583

52112

52111

55583

GL Account

36

7/23/2019 Sobc Jul Dec 2015


General Banking

5. Issuance, Retrieval, etc. of Statements/Certificates/Documents

5.a) Account maintenance certificate

5.b) i) Certificate regarding profit and taxdeducted during other financial years.

ii) Certificate of tax withheld on cashwithdrawals

iii) Issue of other certificates

5.c) IPS statement

5.d) Documents retrieval fee (subject toavailability of record)

i) Up to 2 Years ii) Over 2 Years

5.e) Arrangement of stamp paper

5.f) Deposits obtained from FederalGovt, Provincial Govt, Public SectorEnterprises, autonomous bodies andother Govt Agencies, Bodies andCorporations

5.g) Purchase, sale of PIBs being aprimary dealer to and fromcustomers of our branches

5.h) Service charges for not maintaining

requisite balance, as defined below

for all products: i) PKR Current Accounts Rs 5,000 -monthly average balance (accountopening balance Rs 1,000)

ii) Alfalah Kamayab Karobar Rs 25,000 - monthly average balance

(account opening balance Rs 1,000)

iii) FCY Current Accounts (accountopening balance/monthly averagebalance) USD 100/EURO 100/GBP

100/JPY 5,000

iv) **Saving LCY (account openingbalance Rs. 100/-)

v) Saving FCY Account(USD/GBP/EUR 250 or JPY 10,000account opening balance)

vi) Royal Profit Rs 100,000/- averagemonthly balance (account openingbalance Rs 10,000)

vii) Alfalah Kifayat AccountRs. 10,000/- monthly averagebalance (account opening balance

Rs 10,000)

viii) BBA (account opening balanceRs. 1,000/-)

Rs. 100/- per certificate

Free

Free

Rs. 200/- per certificate

NIL

Rs. 500/- per documentRs. 1000/- per document

Actual plus Rs. 100/- (flat)

Rates quoted and agreed betweenboth parties

NIL

Rs. 43/- per month

Rs. 43/- per month

Rs. 43/- per month

NIL

NIL

Rs. 43/- per month

Rs. 43/- per month

NIL


55570

55571

55572

55569

5557655577

55584

AUTO

AUTO

AUTO

AUTO

AUTO

37

GL Account

7/23/2019 Sobc Jul Dec 2015


General Banking

D. Miscellaneous Charges x) Care Account (account opening

balance Rs.1,000/-)

xi) Pocket money PKR account(opening balance Rs 1,000) & USDaccount (opening balance US$ 100/=)

5.j) Basic Banking cash withdrawal

a) Two withdrawals per month by

cheque b) Above two withdrawals per

month by cheque

6. Dormant Account

7. Account opening charges

8. Cash management transactionbanking collection/disbursement/

electronic banking

9. Branchless Banking

NIL

NIL

NIL

Rs. 50/- per withdrawal

NIL

NIL

All charges for transaction bankingproducts (collection, disbursementand electronic banking) will bedecided on a case-to case basisthrough an agreement between thecustomer and the Bank.

a) Pricing for Domestic Remittance (CNIC TO CNIC Transfer)

Slab Start Slab End FEE FED*(PKR) Total Charges (PKR)0 1,000 51.72 8.28 601,001 2,500 103.45 16.55 1202,501 4,000 155.17 24.83 1804,001 6,000 206.9 33.1 240

6,001 8,000 258.62 41.38 3008,001 10,000 310.34 49.65 36010,001 13,000 362.07 57.93 42013,001 15,000 413.79 66.21 480

b) Cash deposit In Mobile Wallet

Note: Fees will be applicable after more than 3 transactions in a day at therate of 2.16%. FED is charged over and above 2.16%.

c) Cash withdrawal from Mobile Wallet

Slab Start Slab End FEE FED*(PKR) Total Charges (PKR)0 1,000 20 3.2 23.21,001 2,500 40 6.4 46.42,501 4,000 60 9.6 69.64,001 6,000 80 12.8 92.86,001 8,000 100 16 1168,001 10,000 120 19.2 139.210,001 13,000 140 22.4 162.413,001 16,000 160 25.6 185.616,001 20,000 180 28.8 208.820,001 25,000 200 32 232

52005

GL Account

38

7/23/2019 Sobc Jul Dec 2015


General Banking

g) Balance inquiryh) Utility bill payment at agentsi) Mobile airtime top-ups j) Mobile bill payment

10) Digital banking service charges

(Mobile Banking/InternetBanking/Mobile App)

a) Branch banking SMS alert feeb) Inter Bank Fund Transfer (IBFT)

No fee is charged from customerNo fee is charged from customerNo fee is charged from customerNo fee is charged from customer

PKR 299/- per annum

PKR 50/- per monthPKR 50/- per transaction

d) Transfer from Mobile Account to Mobile Account

Slab Start Slab End FEE FED*(PKR) Total Charges (PKR)0 200 6 0.96 6.96201 500 12 1.92 13.92501 1,000 20 3.2 23.21,001 2,500 40 6.4 46.42,501 4,000 60 9.6 69.64,001 6,000 80 12.8 92.86,001 8,000 100 16 1168,001 10,000 119.8 19.17 139

10,001 13,000 139.6 22.4 162 13,001 16,000 160 25.6 185.6 16,001 20,000 180 28.8 208.8 20,001 25,000 200 32 232

Note**Initial amount for opening regular saving accounts will be Rs 100. However, no initial depositwould be required for opening of accounts by (i) Mustahkeen of Zakat, (ii) Students, (iii) Employeesof Government or Semi Government institutions for salary and pension purposes (includingwidows/children of deceased employees eligible for family pension/benevolent fund grant, etc.)

and other similar types of accounts.

*For lifetime free lockers facility, minimum retention period is one year. If the locker issurrendered before one year, one year rental according to the size of the locker will be recoveredbefore refunding the key deposit.

*If the depositor does not maintain mentioned average balance criteria for small/medium freelocker given for one year, annual rent will be recovered.

e) Transfer from Mobile Account to CNIC

Slab Start Slab End FEE FED*(PKR) Total Charges (PKR) 0 1,000 40 6.40 46.40 1,001 2,500 80 12.80 92.80 2,501 4,000 120 19.20 139.20 4,001 6,000 160 25.60 185.60

6,001 8,000 200 32 232 8,001 10,000 240 38.40 278.40 10,001 13,000 280 44.80 324.80 13,001 15,000 320 51.20 371.20

f) IBFT (Interbank Fund Transfer)

Slab Start Slab End FEE FED*(PKR) Total Charges (PKR)0 1,000 50 8 581,000 2,500 50 8 582,500 4,000 60 9.6 69.64,000 6,000 80 12.8 92.86,000 8,000 100 16 116

8,000 10,000 120 19.2 139.210,000 13,000 140 22.4 162.413,000 16,000 160 25.6 185.616,000 20,000 180 28.8 208.820,000 25,000 200 32 232

GL Account

39

7/23/2019 Sobc Jul Dec 2015


55508

55509

55507

52001


52026

52026

55550

55550

55550

55550

55562

GL Account

40


11.a) Courier chargesi) Inland

ii) Foreign

11.b) Fax chargesi) Inland

ii) Foreign

11.c) Postage charges i) Inland ii) Foreign

12.a) Account closing

12.b) Out-of-pocket expenses (not covered by Schedule of Charges)

12.c) i) Standing instructions

ii) Default in performing standing instructions due to lack of funds

12.d) Online transaction charges

12.e) C.I.B report

Rs. 100/- Inland (not applicable forDD issuance)

Rs. 1,250/- or actual, whichever ishigher

Rs. 150/- or actual, whichever is higher(not applicable for DD issuance)

Rs. 250/- or actual, whichever is higher

Rs. 100/- (not applicable for DD issuance)Rs. 200/-

Rs. 200/- (for LCY Accounts) or US$ 3or eqv (for FCY Accounts). Nil for PLSand AQF Accounts.

As per actual

Frequency Charges/Instanceof transactionUp to 6 days Rs. 100From 7-13 days Rs. 200From 14 days - less Rs. 250than monthlyMonthly and above or eqv. Rs. 400FCY for relevant slab

Rs. 500/-

Cash Transaction At Service Branch:a) PKR Current AccountWithin city: FreeIntercity: Rs 150 for eachdeposit/withdrawalFree for Alfalah Kamayab Karobar account

b) Saving Accounts:

Within city: FreeIntercity: Rs.170 for eachdeposit/withdrawal

Online Clearing/ Funds Transfertransaction at Service Branch:a) PKR Current Account / AlfalahKamyab KarobarWithin city: FreeIntercity: Free

b) Saving Accounts:Within city: free

Intercity: Rs.120

Rs 40/- per report (recoverable at thetime of processing of fresh facilities orat the time of renewal or limitenhancement or through EOL & OTT)or at the time of Restructuring/Rescheduling of the facility.

General Banking

11. Communication

12. Other Charges

7/23/2019 Sobc Jul Dec 2015


D. Miscellaneous Charges12.f) Hold mail

12.g) Wateen bill payment through ATMs

13. Payroll accounts

14. Term deposit encashment penaltyfor LCY & FCY deposits

15. Alfalah Kamyab Karobar

Average monthly balance

(requirement for free services)

Payorders/Demand Drafts

Cheque book charges

ATM issuance fee

ATM annual fee

SMS alerts

Online Banking transactions

16. Rupee Current Account

Average monthly balance

(requirement for free services)

Payorders/Demand Drafts

Cheque book

Rs. 600/- p.a. to be recovered atstart of the year.

Rs. 25/- per payment

Fees and charges will be levied onpayroll accounts and associatedservices as per arrangement with theclient, on a case-to-case basis.

For LCY TDR's

LCY Term Deposits with tenors lessthan 1 year- Profit will be paid at the nearestprevailing completed tenor rateapplied for the completed period

LCY Term Deposits with tenors of 1 yearor more - Profit will be paid for the completed

term at the Minimum Savings Rate

For FCY TDR's

Rs 25,000

Free

Free

Free

Free

Free

Free

Free

Rs 50,000

5 Free Payorders/Demand Draft per month

1st Cheque Book free only

General Banking

Note

These are our standard charges and concessions may be granted at the discretion of management.• Excise duty & other government charges where applicable are in addition to mentioned charges.• The Bank reserves the right to determine the applicability of above charges and commission as

per arrangement with the customers.• The Bank may from time to time introduce products where discount/waivers may be offered on

existing fees and charges.• The Bank reserves the right to make a charge on those accounts which involve unusual work.

55590

Auto

GL Account

- Profit will be paid at the nearestprevailing completed tenor rate