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From 1st July 2008 to 31st December 2008

From the very outset, Bank Alfalah Limited has concentrated on excellence and precision in banking practice and has consequently been redefining industry standards. The Banks core strengths stem from its corporate philosophy which stresses the highest level of security reliability and value for its clients money. Bank Alfalah operates as a progressive and adaptive organization maintaining dynamism and flexibility in all facets of its operations. It is a mementoes achievement given the fact the Bank Alfalah Limited at the time of inception in 1997 started out as a fledgling with only three branch offices burdened with a host of problems has today a network of 231 branches (including 32 Islamic Banking branches) across Pakistan and eight overseas branches in Bangladesh, Afghanistan and Bahrain facilitating access to high quality banking service for all. Our product por tfolio concentrates on all facets of conventional and Islamic banking as well as financial needs of corporate sector. Our dynamic and

high value product portfolio includes Alfalah Visa, Alfalah Hilal Card, Home Finance, Car Finance & Leasing, Money Gram, Karobar Finance, Alfalah Zari Sahoolat, Online Banking and ATMs.

Bank Alfalahs Islamic Banking Division operates its branches separately under Shariah laws and offers a variety of Shariah compliant products. The Bank is committed to combine all its energies and resources to bring higher value, security and satisfaction to its customers, employees and shareholders.

I. INTERNATIONAL BANKING
A. IMPORTS EXISTING INTERNATIONAL BANKING 1. Letter of Credit Commission 1.a)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. 1.b)i) Letter of Credit under "Supplier Credit", Pay-AsYou-Earn Scheme and Deferred payment Letter of Credits for period over one year.
Each subseMinimum First Quarter (or part thereof) quent quarter (or part thereof)

0.10% - 0.60% 0.10% - 0.30% Rs. 1000/-

Or as approved by the Credit Division

Commision at the time of opening of Letter of Credit at the rate upto 0.40% per quarter or part thereof upto final payment, Comission to be charged on full amount of Letter of Credit, that is, liability plus interest payable thereon for the period from date of opening of Letter of Credit till its expiry; thereafter, commission will be recovered on quarterly basis on ouststanding / reduced liabilty as per revised Schedule of Charges applicable as on date. Commission @ 1.6% per annum on reducing liablity basis or as approved by the sanctioning authority.

ii) In case of LG/Undertaking to be issued favouring NBP for providing forward cover exchange risk under Suppliers / buyers credit on behalf of applicant. 1.c) Revalidation Commission

On expiry of LC when the same is validated revalidation commission will be recovered as is applicable for opening fresh LC as above. When Letter of Credit is transferred to new beneficiary. Transfer commission will be charged as applicable in case of opening fresh Letter of Credit as 1.a) above. At actuals including our incidental charges.

1.d)Transfer of Letter of Credit to new beneficiary

1.e)Letter of Credit Confirmation in case where the charges are on account of opener

I. INTERNATIONAL BANKING
A. IMPORTS EXISTING Rs.250/- plus Swift charges. INTERNATIONAL BANKING 1.f) Letter of Credit Cancellation 1.g)Non-reimbursable Letters of Credit under Barter / Aid / Loans 1st Quarter Subsequent Quarter.

1% per quarter or part thereof Minimum Rs.1000 0.30% for each subsequent quarter or part thereof. Minimum Rs.500 a)Rs.500 per bill to be charged at the time of retirement of bills. (b) In addition, commission at the rate 0.125% per month or part thereof to be charged for any period beyond validity of LC.Minimum Rs.500/-. However, no commission to be charged if the maturity/ payment period of the bills falls within the period for which LC opening commission has already been recovered. Rs.600 per amendment (flat) Rs.600 per transaction plus commission as per item 1.a) 1.b) and 1.f) above. Rs.25/- per form

1.h) Acceptance Commission If bills are to be drawn at Usance under Letters of Credits

1.i) i) Amendments ii) Amendment involving increase in amount and on extension in period of shipment/negotiation 1.j) Form-I handling charges 2. Import Bills (Under sight Letter of Credit) 2.a)Markup on Import Bills under Letter of Credit (On Daily Products from the date of negotiation / Date of debit authority ) 2.b)Mark-up on import bills under Usance Letter of Credit if not paid by the importer on maturity date

Mark-up@ Rs.0.46/- per 1000/daily products on the bill amount shall be charged OR as approved by the Credit Division Mark-up@ Rs.0.50/- per 1000/daily products on the bill amount shall be charged OR as approved by the Credit Division

I. INTERNATIONAL BANKING
A. IMPORTS EXISTING No mark-up on Import Bill 0.10% Minimum Rs. 500 plus Remittance charges INTERNATIONAL BANKING 2.c) i) If 100% Margin in Current Account is blocked ii) Advance remittance to suppliers abroad against imports. 3. Import Collection Bills 3.a)Handling charges Rs.500(flat) in addition to correspondent charges as realized. Rs.500 in addition to correspondent bank charges

3.b)Returned Unpaid 4. Import on Consignment Basis 4.a)Contract registration for import Upto Rs.25 mln Upto Rs 50 mln Upto Rs.75 mln Upto Rs.100 mln Above Rs.100 mln 4.b)Handling Charges 5. Other 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 ammendment of LCs / cancellation 5.d)Obtaining credit reports on supplier from credit rating agency 5.e)Correspondence Charges, if any will be recovered.

0.250% flat 0.200% flat 0.150% flat 0.125% flat 0.100% flat Rs. 500/-

Minimum Rs.750/or as approved by Credit Division

Rs. 150 or Actual. Whichever is higher. Upto Rs 1250 per application.

Rs. 1,500/Rs. 600/Rs.500/Actual or Rs. 1000 per report whichever is higher. Actual

I. INTERNATIONAL BANKING
A. IMPORTS EXISTING 0.10% (flat) Minimum Rs. 250/- or as per the arrangement approved by the Credit Divsion. INTERNATIONAL BANKING 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 documents presented under L/C

US$ 25 (To be deducted from the proceeds of import bills where applicable or to be recovered from the presenting bank if amount is already reimbursed). Mark-up@ Rs.0.50 per 1000/- daily products on the bill amount shall be charged OR as per the arrangement approved by the Credit Division a) Commission to be charged where no interest / mark-up is recovered on PAD, or as per the arrangement approved by the Credit Division b) In case substantial deposit is maintained in Current Account, Bank can allow opening of LC without recovering any charges, or as per the arrangement approved by the Credit Division

5.h)Temporary financing due to non-payment on maturity date of acceptance liability, overdue FATR/FIM/FAPC/FAFB, any other liability arising out of unarranged / forced situation. 5.i) Non-Interest based LC transactions

5.j) Issuance of NOC to other Banks for Booking Foreign Exchange or effecting remittance under our L/C or registered contract.
-

Rs.100/- per NOC

Note In case the Letter of Credit liability increases by virtue of exchange rate fluctuation and/or due to utilization of 'Forward Cover' Facility (by the customer), bank reserves the right to recover above 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 mark-up will be charged on import bill if 100% cash margin is deposited in nonprofit bearing account at the time of opening of Letter of Credit. Mark-up 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 charging mark-up on bill amount from the date of negotiation till the date of lodgment. However, proportionate rebate on margin amount will be allowed while calculating mark-up from the date of lodgment till the date of retirement. Bank reserves the right to change the rate of mark-up at any stage,subject to the rate not exceeding rates notified by the State Bank of Pakistan

I. INTERNATIONAL BANKING
B. EXPORT EXISTING INTERNATIONAL BANKING 1. Letters of Credit 1.a)Advising 1.b)Amendment 1.c) Confirmation 1.d)Transfer of Export Letter of Credit 1.e)L/C pre-advice advising 2. Export Bills 2.a)Documents sent to other banks for negotiation under restricted Letter of Credit 2.b)Reimbursement payment to other local banks from NonResident Pak-Rupee Accounts / Asian Clearing Union accounts. 2.c) Negotiation of Rupee bills under Export Letter of Credit Rs.350 (flat) Rs.500 (flat) Rs.400 per Amendment As per arrangments or Rs.1000/whichever is higher. Rs.400 (flat) Rs.250/- flat plus courier charges.

Rs.350 (flat)

0.25% Minimum.Rs.200/Mark-up @ Rs.0.45/day/Rs.1000 from the date of negotiation till the date of realization

3. Collections 3.a)Clean 3.b)Documentary (on which bank does not earn any exchange income) 4. Service Charges 4.a)Service Charges against export documents sent on collection basis where payment cover is already received in Bank's Foreign Currency Account / Advance Payment. 4.b)Service Charges on Research & Development Support (RDS) claims of Exporter from SBP Ps.10 Per Rs.100/-. Min Rs.250/Rs. 100 per collection Rs. 200 per collection

Rs.800/- flat or as approved by Credit Division

I. INTERNATIONAL BANKING
B. EXPORT EXISTING Minimum Rs.2000/-, Maximum 0.1% subject to ceiling of Rs.5000 plus courier charges. Minimum Rs.1000/, Maximum 0.05% subject to ceiling of Rs. 2500/- plus courier charges. Rs.100/- (Subject to change by EPB) Rs.80/- (Subject to change by EPB) If proceeds not realized within 12 days then mark up @ Ps. 45 per Rs.1000/- per day is to be charged for any delay beyond 12 days or as per arrangements approved by Credit Division. If proceeds are not realized on due date then mark up @ Ps.45 per Rs.1000/- per day is to be charged for any delay beyond three days from the date of maturity If proceeds are not realized in our Nostro account within 12 days then penalty @ Libor + 3% is to be charged for any delay beyond 12 days or as per arrangements approved by Credit Division. If proceeds are not realized within due date in our nostro account then penalty @ Libor + 3% is to be charged for any delay beyond 3 days or as per arrangements approved by the Credit Division. INTERNATIONAL BANKING 4.c) D i s c r e p a n t d o c u m e n t s charges 4.d)Clean documents charges

4.e)Handling fee for freight subsidy cases 4.f) E x p o r t d e v e l o p m e n t surcharge 4.g)Late realization Negotiation (Sight)

4.h)Late realization Negotiation (Usance)

4.i) Late realization of Export proceeds against Negotiation / purchase/discounting (sight bills) in FE-25 Deposits.

4.j) Late realization of Export proceeds against Negotiation / purchase/discounting (Usance bills) in FE-25 Deposits.

I. INTERNATIONAL BANKING
B. EXPORT EXISTING 0.10%, Mimium Rs.500/INTERNATIONAL BANKING 4.k) Handling charges in lieu of exchange earnings where an exporter sells foreign exchange to some other bank while documents were sent for collection through BAL. 4.l) NOC issuing charges for each Form 'E' . 4.m) NOC for entitlement against EE statement

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

I. INTERNATIONAL BANKING
C. INWARD/OUTWARD REMITTANCES (Foreign) AND CHEQUE PURCHASE EXISTING US$ 25 or equivalent PKR 0.50% (Also applicable if the Foreign Currency Account is funded with cash for onward remittance) US$ 10 or equivalent PKR 0.50% (Also applicable if the Foreign Currency Account is funded with cash for onward remittance). US$ 5 or equivalent PKR plus Actual SWIFT Charges US$ 5 or equivalent PKR plus Actual SWIFT Charges INTERNATIONAL BANKING 1.a)Outward T.T through Debit of Account Against surrender of Foreign Currency notes

1.b)Demand Draft through Debit of Account Against surrender of Foreign Currency notes.

1.c) Issuance of duplicate FDD Cancellation of FDD/FTT/FMT 1.d)Inward: If proceeds are credited to an account maintained with us Others 1.e)Received from abroad or local bank's branches & where payment is demanded in Foreign Currency 1.f) Home Remittance 1.g)Others

Nil US$ 5 or equivalent. Minimum US $3 - Maximum US $6 plus Actual SWIFT charges are recoverable from collecting bank to be deducted from the proceeds Nil , if proceeds are credited to an account with us Rs.10 plus Money Order/Telegram charges

I. INTERNATIONAL BANKING
D. FOREIGN BILLS PURCHASED/COLLECTION INTERNATIONAL BANKING 1.a)Issuance (Traveler's Cheques) (Foreign Currency) 1.b)FCY Cheques/ Drafts/TCs sent on collection 2. Foreign Exchange Permits 2.a)Family Maintenance 2.b)Studies Abroad 2.c) SBP approvals for capital transfers, dividends, freight 2.d)Other Approvals from SBP 3. Other Charges 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 Rs. 200 or US $ 5 Actual ( if any will be recovered) Rs. 150 or Actual, whichever is higher. Rs. 1250 or Actual, whichever is higher. Rs. 1500 or Actual, whichever is higher. Rs. 500 or Actual, whichever is higher. Rs. 1000 per transaction Rs. 1000 per transaction Rs.1500 per transaction plus remittance charges Rs.1500 per transaction plus remittance charges EXISTING 1% on amount of TCs sold. 0.20% plus postage @ Rs.50/(correspondent bank charges will be extra, if any)

II. DOMESTIC BANKING


A. REMITTANCES (Domestic) DOMESTIC BANKING 1.a)Pay Order EXISTING Against Debit to account: Rs 50. Against cash: 0.1% or minumim Rs 200." Rs.200(flat) Rs.200(flat)

1.b)Cancellation of Pay Order 1.c) Issuance of Duplicate Pay Order 1.d)Issuance of Drafts, MTs, & TTs i) Upto Rs. 10,000 to Rs.

0.25% Minimum Rs. 50 0.20% Minimum Rs. 100 0.10% Minimum Rs. 200 0.075% Minimum Rs. 1000 0.015% minimum Rs 1,500.

ii) From Rs. 10,001 100,000

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 1.e)If a Party Maintaining Average Monthly Balance of Rs 100,000 in a Current Account, No charges will be deducted for the issuance of PO,DD and TT drawn on any Bank Alfalah's Branch. 1.f) Cancellation of DDs / TTs 1.g)Issuance of Duplicate DD 1.h)Issuance of SBP Cheque (if permissible by SBP)

Rs. 200 (flat) per cancellation Rs. 200 (flat) per item Rs. 500 per Cheque

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II. DOMESTIC BANKING


B. INLAND LETTERS OF CREDIT DOMESTIC BANKING 1. Letter of Credit 1.a)Issuance Based on volumes during a calendar year/currency of limit(s) and arrangement with customer/group including allied accounts 1.b)i) Ammendments ii) Amendment involving increase in amount and or extension in period of dispatch / delivery / negotiation. 1.c) Advising 1.d)Acceptance Commission
Each subse- Minimum First Quarter (or part thereof) quent quarter (or part thereof) 0.20% - 0.4% 0.10% - 0.20% Rs. 1000

EXISTING

or as approved by Credit Division. Rs 400 (flat) per ammendment Rs. 400 per amendment plus commission as per item number. 1.a) above.

Rs.500/- flat per Letter of Credit a) Rs. 500 (flat) per Bill charged at the time of retirement of bills. b) In addition, commission at the rate upto 0.125% per month for any period beyond the validity of Letter of Credit. Minimum Rs. 500

1.e)Service charges on retirement of Sight/Usance bills 1.f) Confirmation 1.g)Discrepancy charges in case of sight/usance bills under inland L/c 2. Collection 2.a)Documentary

0.10% (flat) Minimum Rs. 250/- or as per the arrangement approved by the Credit Divsion. 0.25% per quarter or part thereof Minimum Rs.300 Rs.1,000/- flat.

0.10% to 0.30% Minimum Rs. 200 or as approved by the Credit Division. 0.15% Minimum Rs. 50. Maximum Rs.5,000/- in case of cheque of Rs.5 m or more.

2.b)Clean (including cheques)

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II. DOMESTIC BANKING


B. INLAND LETTERS OF CREDIT DOMESTIC BANKING 3. Purchase of Bills/Cheques etc. 3.a) i) Documentary Bills other than those drawn against Letter of Credit ii) Through branches of our bank 3.b)i) Clean Bills/Trade Cheques 0.45% Min Rs.50/- plus mark-up from the date of purchase to the date of payment and courier charges As per arrangement with the customer. 0.45% Min Rs.50/- plus mark-up from the date of purchase to the date of payment and courier charges As per arrangement with the customer. Usual commission as at 3(a) above Plus mark-up / Mark-down from the date of purchase till the date of payment: 46 paisas per Rs.1,000/- per day 55 paisas per Rs.1,000/- per day 0.60% Min Rs.50/0.50% Min Rs.500/0.40% per bill Min Rs.500/EXISTING

ii) Through branches of our bank 3.c) i) Purchase of Usance Draft under Usance Letter of Credit ii) Mark up if retired upto 21st day iii) Mark up if retired during next 210 days 3.d)Dividend Warrants etc. 3.e)Negotiation at Sight 3.f) Collection Charges for Usance Bills 4. Unpaid items 4.a)Returning Charges: i) Documentary Bills ii) Clean Bills 5. Other Charges 5.a)Collection agent charges. 5.b)Postage 5.c) Telex 5.d)Storage Charges -

Rs. 100 per bill Rs. 50 per bill Actual Rs.100 Rs. 500 (full) Rs. 50 per pack per day

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

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II. DOMESTIC BANKING


FINANCES / ADVANCES C. ADVANCES DOMESTIC BANKING 1.a)Project examination fee 1.b)Interim Review / Processing Fee 1.c) New Facility Initiation / Renewal of Facility (where applicable) i) Commercial / Corporate borrower ii) SME borrower EXISTING 0.5% of project facility requested Rs.1000 (flat).

Rs.5,000 (flat) or as per the arrangement approved by the Credit Division Rs.2,500 (flat) or as per the arrangement approved by the sanctioning authority Rs.1,500 (flat) or as per the arrangement approved by the Credit Division 0.50% - 1.00% (on sanction / renewal) or as per the arrangement approved by sanctioning authority . As per Actual Actual

iii) Individual / non-commercial borrower 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, and maintenance thereof) 1.g)Replacement of securities (interim) 1.h)To mark lien on securities not issued by us 1.i) Registration of Charge with Registrar of Securities Exchange Commission of Pakistan.(SECP) 2. Charges for Advances Against Pledge / Hypothecation 2.a)Godown Rent 2.b)Godown Staff Salaries

Rs. 1000 (flat) Rs. 250 (Service Charges) Rs. 500 plus Actual plus actual charges incurred by the branch

Actual Actual

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II. DOMESTIC BANKING


FINANCES / ADVANCES C. ADVANCES DOMESTIC BANKING 2.c) i) G o d o w n I n s p e c t i o n Charges when inspection is carried out by Bank Staff: - Within municipality limit or within a radius of 5 km from Branch - Outside,municipality limits 2.c) ii) G o d o w n I n s p e c t i o n Charges when inspection is carried out by outside agencies 2.d)Other incidental expenditure. (insurance, legal, etc) 2.e)Collection of coupon (on Government certificates issued by other banks/saving centers under lien to us) 2.f) Issuance of Delivery Orders against Finance against Imported Merchandise, Cash Credit and all goods under pledge. (Where applicable) 2.g)Issuance of NOC (customer's request) on request of customers/clients for creating additional/pari passu charge/second charge on their fixed assets for acquiring further project finance from other Banks/Financial Institutions. 2.h i) Temporary financing due to non-payment on maturity date of acceptance liability, overdue FATR / FIM / FAPC / FAFB, any other liability arising out of unarranged / forced situation. EXISTING

a) Rs. 500 upto Rs. 1M facility b) Rs. 1000 over Rs. 1M facility Rs.1000+Travelling Expenses(outside municipality) Actuals plus Service Charges of Rs.500

Actual Rs. 250 per coupon

Upto Rs. 500/- or as approved by the Credit Division

Upto Rs. 5000/- or as approved by the Credit Division

Mark-up@ Rs.0.50 per 1000/- daily products on the bill amount shall be charged OR as approved by the Credit Division

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II. DOMESTIC BANKING


FINANCES / ADVANCES D. ADVANCES DOMESTIC BANKING 2.h ii) Penalty for late payment of Mark-up EXISTING Rs. 100 per day for amount below Rs. 1 M or as approved by the Credit Division Rs. 200 per day for amount exceeding Rs. 1 M or as approved by the Credit Division If a party fails to pass on committed business in Writing while getting the credit Line Sanctioned in its favour,, the bank reserves the right to recover compensatory commission maximum at the rate of 1.00 %, to the extent of shortfall in business so committed to be routed through us or as approved by Credit Division.

2.i)

Business Commitment & Compensatory Commission

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II. DOMESTIC BANKING


FINANCES / ADVANCES D. GUARANTEES DOMESTIC BANKING 1.a)Guarantees issued to shipping companies in lieu of Bills of Lading, Airways Bill and Railway receipt 1.b)Guarantees issued to Collector of Customs in lieu of payment of Export duty, which remains valid for 6 months 1.c) Guarantees secured against Cash/Cash collaterals (Deposits/Government Securities,etc) EXISTING Rs. 600/- (flat) against 100% cash margin.

0.50% per quarter or part thereof Minimum Rs.1000 or as per the arrangement approved by the Credit Divison Against 100% cash: Rs 750/- (flat) Against collaterals other than 100% cash: 0.25% per quarter. Minimum Rs.750/- or as per the arrangement approved by the Sanctioning authority. 0.40% per quarter. Minimum Rs.750/- or as per the arrangment approved by the Credit Division As approved by the Credit Division. As approved by the Credit Division. Rs. 500 per amendment Commission as per item (1d) above Rs.500 per quarter until the original guarantee is returned to the bank (not to be charged if 100% cash collateral is held)

1.d)Other Guarantees

1.e)Issued at other bank's request in Pakistan 1.f) Against Foreign Bank's Guarantees 1.g) i) Amendments of Guarantees ii) Increase in amount and or Extension in period 1.h)Administrative fee (expired guarantees)

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 with SBP instructions. Commission to be charged from the date of issue till expiry of Letters of Guarantees or till such time the bank is released from its liability under the Guarantees, whichever is later.

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II. DOMESTIC BANKING


CONSUMER BANKING / FINANCE E. SALE / PURCHASE OF SECURITIES, SAFE CUSTODY, ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS

DOMESTIC BANKING 1. Safe Deposit Locker 1.a)Fee for safe deposit lockers (to be recovered in advance or at commencement of the period yearly/half yearly/ quarterly as the case may be) ORDINARY i) Small ii) Medium iii) Large 1 iv) Large 2 v) Extra Large SPECIAL i) Small ii) Medium iii) Large Depositor maintaining deposit monthly average balance of Rs. 2 million in current account or monthly average balance of US$ 25,000 in current account or monthly average balance of Rs.3.5 million in saving account or monthly average balance of US$ 50,000 in saving account will be provided free small locker for the period of six months. 1.b)Key Deposit (in advance to be refunded on termination) 1.c) Breaking 1.d)Late Fee (Locker Rental) 1.e)Locker facility for staff of Bank Alfalah Ltd. Rent

EXISTING

Rs. 1,000 per annum. RS.1,500 per annum Rs. 2,500 per annum. Rs. 3,000 per annum. Rs. 3,500 per annum. Rs. 2,000 per annum. RS.2,500 per annum Rs. 3,500 per annum.

Rs. 2,000 per locker Actual Cost of breaking PlusRs. 1000 per locker Rs.50/- per month or part thereof. Staff will be allowed one locker each,wherever available, free of key deposit while rent will be 50% of the prescribed rate.

2. Sale / Purchase of Securities 2.a) Sale / Purchase of shares 0.125% on the first Rs.10,000 of purchase price or cost thereof. Minimum Rs. 50 and 0.10% on amount exceeding Rs.10,000 or Minimum Rs.75

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II. DOMESTIC BANKING


CONSUMER BANKING / FINANCE E. SALE / PURCHASE OF SECURITIES, SAFE CUSTODY, ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS

DOMESTIC BANKING 2.b)Withdrawal Fee i) Withdrawal fee on shares / securities held in safe custody (to be recovered at time of withdrawal) ii) Withdrawal fee on Govt. securities where shares and/or securities sold are from those held in safe custody, either commission on sale of share securities as shown against item 2.a) or withdrawal fee, as shown against item (2b) (i) and (ii) whichever is higher, will be charged. 2.c) Collection of profit/return and dividend

EXISTING 0.50% on the first Rs.10,000 of the paid up value Minimum Rs. 50 and 0.15% on amount exceeding Rs.10,000 Minimum Rs. 100 Rs. 5 per scrip

0.5% on the amount of interest/ return/dividend collected/paid including deposit certificate Issued by Government agencies Minimum Rs. 50 Rs.25 per scrip.Rs.50 (flat) in case of Deposit Certificate issued by Government agencies Rs.10/- per RTC

2.d)H a n d l i n g c h a r g e s f o r (convensing renewal / consideration / subdivision of Govt.Securities. 2.e)Issuance of Rupee Travellers Cheque 3. Articles in Safe Custody 3.a)Share custodial services of Central Depository Company of Pakistan Ltd.

Actual charges charged by CDC,plus 1.0% of share value on the first of every month or Ps. 5 per share each month, which ever is higher (payable up-front, in advance) Re. 1.00 per 100 cubic inches or any part thereof with a Minimum of Rs.200 Rs. 0.50 per 25 square inches or any part thereof with a minimum of Rs. 100

3.b)Boxes & Packages

3.c) Envelopes

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II. DOMESTIC BANKING


CONSUMER BANKING / FINANCE E. SALE / PURCHASE OF SECURITIES, SAFE CUSTODY, ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS

DOMESTIC BANKING 4. Issuance of Certificate for Safe Items 4.a)I s s u a n c e o f D u p l i c a t e Securities

EXISTING

Rs. 1,000 (flat)

5(a) CREDIT CARD OPERATIONS (VISA / MASTERCARD) (i) Service fee: 3.00% Per month (36% APR) on Cash Advance 3.00% per month (36% APR) on Retail Transactions 1.50% per month(18% APR) on BTF Transactions 1.75% per month(21% P.A. flat rate) on SBS Transactions (APR 31.23% to 36.74%) SBS Factors & APR details:
Installment Plan 3 months 6 months 9 months 12 months 18 months 24 months 30 months 36 months Factor 0.3508330 0.1841670 0.1286110 0.1008330 0.0730560 0.0591670 0.0508330 0.0452780 APR 31.23% 35.15% 36.36% 36.74% 36.68% 36.22% 35.66% 35.07%

0.99% per month(11.88% P.A. flat rate) on BTF to SBS Transactions (APR 17.73% to 21.44%) BTF to SBS Factors & APR details:
Installment Plan 3 months 6 months 9 months 12 months 18 months 24 months 30 months 36 months Factor 0.343233 0.176567 0.121011 0.093233 0.065456 0.051567 0.043233 0.037678 APR 17.73% 20.09% 20.90% 21.25% 21.44% 21.37% 21.21% 21.01%

24 % APR on Credit on Phone to SBS Transactions Credit on Phone to SBS Factors & APR details:
Installment Plan 3 months 6 months 9 months 12 months 18 months 24 months 30 months 36 months Factor 0.34675 0.17853 0.12252 0.09456 0.06670 0.05287 0.04465 0.03923 APR 24.00% 24.00% 24.00% 24.00% 24.00% 24.00% 24.00% 24.00%

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II. DOMESTIC BANKING


CONSUMER BANKING / FINANCE E. SALE / PURCHASE OF SECURITIES, SAFE CUSTODY, ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS

DOMESTIC BANKING (ii) Late Fee: (iii) Cash payment processing fee (iv) Merchant Discount Charges (v) Visa Minicard Supplementary Fee (vi) Cash Withdrawal Fee: a) Cash advance fee / Call & Pay fee: b) Acquiring bank charges c) Counter fee of other cards (vii) Cheque / Cash pickup fee: (viii) Over limit fee: (ix) Voucher retrieval fee: (x) Card replacement fee: (xi) Cheque return charges / Rejected Autopay service fee (xii) Duplicate statement charges: (xiii) Step by Step / Credit on Phone to SBS processing charges (xiv) Step by Step / Credit on Phone to SBS premature settlement charges (xv) Credit Cover Premium (xvi) Utility bill payment (xvii) Visa Platinum / Titanium Priority Pass Fee: a) Annual Fee b) Airport Loung Visit Fee (xviii) SMS Alert Fee (xix) Mobile Banking Fee (xx) Merchant Cash Advance Incentive (xxi) Mobile PIN issue Charges (xxii) Foreign transactions

EXISTING Rs.600 or 10% of minimum amount whichever is higher Rs.100/- per transaction Upto 5% of Transaction amount Rs.500/- per supplementary card Rs.500/- or 3% of cash advance amount whichever is higher. 1% of cash advance amount 1% or Rs.300 whichever is higher Rs.200/- (available in cities having Bank Alfalah branches) 2% Of the over limit amount or Rs.600/- whichever is higher Local Rs.350/- and international Rs.800 Rs.500/Rs.800/Rs.200 (whenever 1 month old) 2% of transaction amount 5% on balance amount or Rs.1000 whichever is higher 0.50% of outstanding amount Rs.25/- per utility bill US$ 4.71 US$ 28.25 per visit Rs.25/- per month Rs.5/- per transaction Rs.25/- per transaction Rs.10/- per pin Upto 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 and MasterCard. Cross border transaction fee will also be charged as per Visa/MasterCard rules US$ 500/Rs. 100/Rs. 300/- for Principal Member Rs. 300 for Suplementary Card

(xxiii) Arbitration Charges (xxiv) Insurance Plans Cancellation Charges (Life & Education Insurance Plan) (xxv) Chip Maintenance Fee

20

II. DOMESTIC BANKING


CONSUMER BANKING / FINANCE E. SALE / PURCHASE OF SECURITIES, SAFE CUSTODY, ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS

DOMESTIC BANKING 5 (b) AWAMI VISA / MASTER CARD (i) Service Fee

EXISTING

3.33% Per month (40% APR) on Cash Advance 3.33% per month (40% APR) on Retail Transactions 1.50% per month(18% APR) on BTF Transactions 1.75% per month(21% P.A. flat rate) on SBS Transactions (APR 31.23% to 36.74%) SBS Factors & APR details:
Installment Plan 3 months 6 months 9 months 12 months 18 months 24 months 30 months 36 months Factor 0.3508330 0.1841670 0.1286110 0.1008330 0.0730560 0.0591670 0.0508330 0.0452780 APR 31.23% 35.15% 36.36% 36.74% 36.68% 36.22% 35.66% 35.07%

0.99% per month(11.88% P.A. flat rate) on BTF to SBS Transactions (APR 17.73% to 21.44%) BTF to SBS Factors & APR details:
Installment Plan 3 months 6 months 9 months 12 months 18 months 24 months 30 months 36 months Factor 0.343233 0.176567 0.121011 0.093233 0.065456 0.051567 0.043233 0.037678 APR 17.73% 20.09% 20.90% 21.25% 21.44% 21.37% 21.21% 21.01%

24 % APR on Credit on Phone to SBS Transactions Credit on Phone to SBS Factors & APR details:
Installment Plan 3 months 6 months 9 months 12 months 18 months 24 months 30 months 36 months Factor 0.34675 0.17853 0.12252 0.09456 0.06670 0.05287 0.04465 0.03923 APR 24.00% 24.00% 24.00% 24.00% 24.00% 24.00% 24.00% 24.00%

21

II. DOMESTIC BANKING


CONSUMER BANKING / FINANCE E. SALE / PURCHASE OF SECURITIES, SAFE CUSTODY, ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS

DOMESTIC BANKING (ii) Late Fee (iii) Cash payment processing fee (iv) Merchant Discount 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: (x) Cheque return charges / rejected. Autopay service fee (xi) Duplicate statement charges: (xii) Step by Step / Credit on Phone to SBS processing charges (xiii)Step by Step / Credit on Phone to SBS premature settlement charges (xiv) Credit Cover Premium (xv) Utility bill payment (xvi) SMS Alert Fee (xvii) Mobile Banking Fee (xviii) Merchant Cash Advance Incentive (xix) Documentation Fee (xx) Mobile PIN issue Charges (xxi) Foreign transactions

EXISTING Rs.300/- or 10% of minimum amount whichever is higher Rs.100/- per transaction Upto 5% of transaction amount Rs.300/- or 3% of cash advance amount whichever is higher 1% of cash advance amount 1% or Rs.300/- whichever is higher Rs.200/- (available in cities having Bank Alfalah branches) 2% of the over limit amount or Rs.300/- whichever is higher Local Rs.350/- and international Rs.800/Rs.250/Rs.400/Rs.200/-(whenever 1 month old) 2% of transaction amount 5% on balance amount or Rs.1000 whichever is higher 0.50% of outstanding amount Rs.15/-per utility bill Rs.15/- per month Rs.5/- per transaction Rs.25/-per transaction Rs.500/Rs.10/- per pin 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 and MasterCard. Cross border transaction fee will also be charged as per Visa/MasterCard rules US$ 500/Rs. 100/-

(xxii) Arbitration Charges (xxiii) Insurance Cancellation Charges 6. PREPAID / PAYROLL CARD (i) Card replacement fee: (ii) Voucher retrieval fee

Rs.500/Local Rs.350/- and International Rs.800/-

22

II. DOMESTIC BANKING


CONSUMER BANKING / FINANCE E. SALE / PURCHASE OF SECURITIES, SAFE CUSTODY, ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS

DOMESTIC BANKING (iii) 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 (iv) 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 (v) Mobile PIN issue Charges (vi) SMS Alert Fee (vii) Mobile Banking Fee (viii) Merchant Cash Advance Incentive / call and pay fee (ix) Cash payment processing fee (x) Merchant discount fee (xi) Acquiring bank charges (xii) Cheque return charges / rejectd. Autopay service fee (xiii) Duplicate statement charges: (xiv) Utility bill payment 7. HILAL DEBIT CARD: (i) Card Issuance fee: a) Basic card Issuance / Renewal fee b) Supplementary card Issuance / Renewal fee (ii) Card replacement fee: (iii) Transaction retrieval fee: (iv) Cash Withdrawl : 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 Bank Alfalah's POS Machine f) From Non-Bank Alfalah's POS Machine (v) Balance Enqjuiry : a) From Bank Alfalah's ATM b) From 1-Link member bank ATM c) From MNET ATM Rs.500 Rs.500

EXISTING NIL Rs.15/- per transaction Rs.15/- per transaction Rs.500 or 3% of Cash withdrawal amount whicherver is higher Rs.500 or 3% of Cash withdrawal amount whicherver is higher NIL NIL Rs.25/- per enquiry Rs.25/- per enquiry Rs.10/- per pin Rs.25/- per month Rs.5/- per transaction Rs.25/-per transaction Rs.100/- per transaction Upto 5% of transaction amount 1% of cash advance amount Rs.800/Rs.200 (whenever1 month old) Rs.25/- per utility bill

Rs.500 Local Rs.350 and international Rs.800 NIL Rs.15/- per transaction. Rs.15/- per transaction. Rs.300 or 3% of cash withdrawal amount, whichever is higher. NIL Rs.300 or 3% of cash withdrawal amount, whichever is higher. NIL NIL Rs.5/- per enquiry

23

II. DOMESTIC BANKING


CONSUMER BANKING / FINANCE E. SALE / PURCHASE OF SECURITIES, SAFE CUSTODY, ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS

DOMESTIC BANKING d) From Visa member bank ATM (vi) Third Party Transfers Fee 8. Alfalah Car Financing / Consumer Car Lease Finance i) Processing & documentation charges per application ii) Evaluation charges of pre owned and imported vehicles iii) Registration Service Charges iv) Termination Charges a) One Year before actual termination date. b) 2 Years before actual termination date. c) 3 Years before actual termination date. d) 4 Years before actual termination date. v) Cheque return or rejected auto pay charges vi) Penalty on late payment vii) Penalty on late insurance premium viii) Vehicle repossession charges ix) Survey charges for repossessed vehicle x) Warehouse charges for repossessed vehicle xi) Comprehensive insurance charges xii) Tracker installation charges xiii) Waiver for employees of the Companies in Category "A"

EXISTING Rs.25 per enquiry Rs.25/-

Rs. 4,000/Minimum of Rs. 1,000 upto a maximum of Rs. 2,000/Minimum of Rs. 1,100/= upto a maximum of Rs. 2,000/ 2 % of the principal outstanding 3 % of the principal outstanding 4 % of the principal outstanding 5 % of the principal outstanding Rs. 500/Rs 100 per day or maximum Rs 1000 per month. Rs. 200 per month Actual incurred by the bank upto a maximum of Rs. 75,000/Rs. 1,000/Rs. 1,000 per month Actual Actual Mark-up waiver upto 1% below standard markup rates and upto 75% waiver on processing charges

9. Royal Personal Finance i) a) Processing Fee b) Processing Fee for staff ii) Pre-payment Fee iii) Penalty on late payment iv) Penalty on late insurance premium Rs.1000/Actual document cost 5% on Principal outstanding Rs.200 Rs.200/- per month

24

II. DOMESTIC BANKING


CONSUMER BANKING / FINANCE E. SALE / PURCHASE OF SECURITIES, SAFE CUSTODY, ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS

DOMESTIC BANKING 10 Consumer Durables Finance i) Processing Fee ii) Other Charges iii) Late Payment Charges 11. Lease Finance (As per the arrangement with the customer) i) Front End Fee NIL At Actuals Rs.200/-

EXISTING

ii) Documentation handling Charges / per sanction advice iii) Termination Charges a) Termination take place in the first year b) Termination take place in the Second year c) Termination take place in the Third year d) Termination take place in the Fourth year e) Termination take place in the Fifth year (iv) Commitment Charges for issuance of BAL letter of comfort (v) Additional Lease Rentals (vi) Cheque Return Charges 12. Alfalah Home Finance i) Processing Fee a) Upto Rs. 1.0 Million b) More than Rs.1.0 Million to Rs.2.5 Million c) More than Rs.2.5 Million to Rs.5.0 Million d) More than Rs.5.0 Million to Rs.50.00 Million e) More than Rs 20 Million ii) Documentation Charges

1% of Lease Amount or as approved by the sanctioning authority. Rs.3000/5 % of the principal outstanding 5 % of the principal outstanding 4 % of the principal outstanding 3 % of the principal outstanding 2 % of the principal outstanding 0.5% per calendar quarter on the amount of Letter of Comfort 0.1% per day of the overdue rental amount Rs.250/- per cheque

Rs.5,000/Rs.10,000/Rs.12,500/Rs.15,000/Rs. 20,000/At Actuals, including stamp duty, charges for legal documentation, on -site inspection during construction, lawyer's fee and charge registration fee, as advised by the relevant agencies / persons. Rs.1000/- (for each delayed payment per month)

iii) Late Payment Charges

25

II. DOMESTIC BANKING


CONSUMER BANKING / FINANCE E. SALE / PURCHASE OF SECURITIES, SAFE CUSTODY, ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS

DOMESTIC BANKING iv) Early redemption penalty

EXISTING upto 6% of the outstanding amount (3% if paid with in one year) (if loan transferred to another lender, otherwise NIL if paid through own resources). Upto 5% of outstanding amount. Charges to be recovered from customer on actual basis.

v) Adjustment of plot purchase Loan vii) In case of delay in availing loan on the part of the borrowers beyond one month of approval, the report mentioned below to be obatined from customer. ECIB Report, valuation report,data check report, Income estimation report. 13. Alfalah Rural Finance i) Processing Fee

Upto Rs 1 Million - Rs 1,000 Above Rs 1 million to Rs 3 million - Rs 2,000. Above Rs 3 million to 5 million Rs 5,000. Above Rs 5 million to Rs 10 million - Rs 10,000 Above Rs 10 million - Rs 15,000. Maximum 0.5% of the project facility requested. Applicable to project financing only under non farm / non crop sector. 0.5% on unutilized portion of sanctioned amonut. Applicable to TF facilities only. Actual charges of lawyers on the bank's approved panel Actual charges of valuators on the bank's approved panel Actual cost of revenue and special adhesive stamps.

ii) Project examination fee

iii) Commitment fee

iv) Legal Charges v) Property valuation vi) Documentation Charges

26

II. DOMESTIC BANKING


CONSUMER BANKING / FINANCE E. SALE / PURCHASE OF SECURITIES, SAFE CUSTODY, ARTICLES IN SAFE DEPOSIT AND SAFE DEPOSIT LOCKERS

DOMESTIC BANKING 14. Alfalah Karobar Finance i) Processing fee (Up-front with LAF) ii) Documentation Charges iii) Legal Charges iv) Property valuation charges v) Business & Financial appraisal charges 15. Alfalah Milkiat Finance i) Processing fee (Up-front with LAF) ii) Documentation Charges iii) Legal Charges iv) Property valuation charges v) Business & Financial appraisal charges Rs.2000/-

EXISTING

Actual cost of revenue and special adhesive stamps Actual charges of lawyers on the Bank's approved pannel Actual charges of valuators on the Bank's approved pannel Rs.4,000/- (flat)

Minimum Rs.5000/- or 0.1% of the loan amount, whichever is higher Actual cost of revenue and special adhesive stamps Actual charges of lawyers on the Bank's approved pannel Actual charges of valuators on the Bank's approved pannel At Actual

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.

27

II. DOMESTIC BANKING


F. MISCELLANEOUS CHARGES DOMESTIC BANKING 1. Balance Confirmation 1.a)Balance confirmation certificate 1.b)Balance confirmation to auditors 2 Duplicate Statements Rs. 50 per statement or equivalent US$ for FCA Rs. 25 per copy Rs.250 (flat) Rs.250 (flat) EXISTING

2.a)Duplicate statements of accounts: 2.b)Duplicate Advice Charges 3. Cheques / Cheque Books 3.a)Issuance of New Cheque Book 3.b)New Cheque Book in lieu of lost one 3.c) Stop payment of Cheques 3.d)Stop payment of lost Cheque Book 4. Clearing 4(a)Pak Rupee Clearing i) Same day clearing charges ii) Intercity clearing charges iii) Cheque Returned Unpaid - Inward Clearing - Cash Cheques returned - OBC return charges 4(b) US$ Clearing - Outward Clearing - Inward Clearing returned - Outward Clearing Returned 5. Issuance, Retrieval, etc. of Statements / Certificates / Documents 5.a)Account Maintenance Certificate

Rs.5/- per leaf. Rs.100 plus Rs.5/- per leaf Rs.200 per cheque Rs. 500 or US $ 10 or equivalent PKR for FCA

Rs.100/- per instrument Rs.100/- per instrument Rs.350 per cheque Rs.300 per cheque Rs.100/- per OBC cheque return US$ 10/- or Rs.600 per instrument US$ 10/- or Rs.600 per instrument US$ 10/- or Rs.600 per instrument

Rs. 100 per certificate

28

II. DOMESTIC BANKING


F. MISCELLANEOUS CHARGES DOMESTIC BANKING 5.b)i) Certificate regarding profit and tax deducted during other financial years. ii) Certficate of tax withheld on cash withdrawls 5.c) Issue of other certificates 5.d)Documents retrieval fee (subject to availability of record) i) Upto 2 Years ii) Over 2 Years 5.e)Arrangement of stamp paper 5.f) Deposits obtained from Federal Govt, Provincial Govt, Public Sector Enterprises,autonomous bodies and other Govt Agencies, Bodies and Corporations. 5.g)Purchase, Sale of PIBs being a primary dealer to and from customers of our branches. EXISTING Rs. 100 per certificate Rs. 100 per certificate Rs. 200 per certificate

Rs. 500 per document Rs. 1000 per document Actual plus Rs. 100 (flat) Rates quoted and agreed between both parties.

0.050 paisa per Rs.100 face value of PIBs upto Rs.10 Million 0.020 paisa per Rs.100 face value of PIBs upto Rs.20 Million 0.007 paisa per Rs.100 face value of PIBs upto Rs.50 Million 0.003 paisa per Rs.100 face value of PIBs upto Rs.100 Million

5.h)Service Charges for not maintaining average monthly balance: (Average Monthly Balance is defined as the average of each day-end deposits of the month) i) Current Accounts Rs 10,000 ii) Current or Saving FCY Account FCY equiv, to Rs.10,000 iii) PLS Account/ Royal Profit Rs.5,000 ** iv) Alfalah Kifayat Account Rs.10,000/-

Rs.50/- per month Rs.50 or equivalent FCY per month

Rs 50 per month Rs.50/- per month

29

II. DOMESTIC BANKING


F. MISCELLANEOUS CHARGES DOMESTIC BANKING 5.i) BASIC BANKING ACCOUNT Cash withdrawl a) Two withdrawls per month by cheque b) Above two withdrawls per month by cheque NIL Rs.50/-per withdrawl EXISTING

** Following categories of PLS Accounts would be exempted from levy of Service Charges: Students,Staff,Mustahiqeen of Zakat,Employees of Government / Semi Government Institutions for Salary and Pension Purpose, Merchant accounts of Bank Alfalah Acquiring Business. Widows / Children of deceased employees of government / semi government, Institutions eligible for family pension / benovelent fund, grant. 6. Communication 6.a)Courier Charges i) Inland ii) Foreign 6.b)E-mail charges 6.c) Internet access charges 6.d)Fax charges i) Inland ii) Foreign 6.e)Postage Charges Inland Foreign 7. Other Charges 7.a)Account Closing 7.b)Out of pocket Expenses (not covered by Schedule of Charges) 7.c) i) Standing Instructions 7.c) ii) Default in performing standing Instructions due to lack of funds Rs. 200 (Except PLS. Saving Account) Actual Rs. 150 Rs. 1250 or actual whichever is higher Rs.50 per e-mail Rs.50 per hour Rs. 150 or Actual, which ever is higher Rs. 250 or Actual, which ever is higher Rs.100 Rs.200

Rs. 100 per instruction Rs.500

30

II. DOMESTIC BANKING


F. MISCELLANEOUS CHARGES DOMESTIC BANKING 7(d) Online transaction charges EXISTING Online Cash Transaction At Service Branch: a) Rs.100 (flat) to be recovered from Current Account customers for each Online transaction of Cash Deposit/Withdrawl. b)Rs.150 (flat) to be recovered form Savings/Royal Profit customers for each Online transaction of Cash deposit / withdrawl Online Clearing/Transfer transaction at Service Branch: Rs.50 (flat) to be recovered from Current/Savings/Royal Profit account customers for each O n l i n e C l e a r i n g / Tr a n s f e r transaction. 7(e)C.I.B Report Rs.200 per report

Note - These are our standard charges and concessions may be granted at the the discretion of management. - In case where priority Banking relationship exists then the Bank reserves the right to to waive some / all charges - 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 reserves the right to make a charge on those accounts which involve unusual work - Quarter wherever mentioned in this SOC means three calendar months. THE TARIFF IS VALID FOR SIX MONTHS AND IS APPLICABLE TO ALL CONVENTIONAL BANKING BRANCHES IN PAKISTAN.

31

BRANCH NETWORK
KARACHI Main Branch B.A. Building, I.I.Chundrigar Road. Phone : (021) 2414030-39 UAN No. : 111-777-786 Fax : 2417006, 2434181 Cloth Market Branch Cochinwala Market, Luxmidas Street. Phone : (021) 2401621-6 Fax : 2401627-2418896 Clifton Branch World Trade Centre, Khayaban-e-Romi, Clifton. Phone : (021) 5833778-82 Fax : 5879175 Shahrah-e-Faisal Branch Progressive Square, 11-A Block-6 PECHS. Phone : (021) 4313536-38, 4522441, 4522460 Fax : 4313539 Jodia Bazar Branch Gulzar Manzil, Jodia Bazar. Phone : (021) 2532483-4, 2544816-20 Fax : 2532485 Korangi Industrial Area Branch Aiwan-e-Sanat, Plot No.ST-4/2, Sector 23, Korangi Industrial Area. Phone : (021) 5065701-2 Fax : 5050653 M.A.Jinnah Road Branch Plot No.23/1, Zelin Place (Habib Bank Building), M.A.Jinnah Road/ Abdullah Haroon Road. Phone : (021)2750627-28, Fax : 2750629 S.I.T.E. Branch D-40, Estate Avenue, Siemens Chowrangi, S.I.T.E. Phone : (021) 2581247,2582114-6 Fax : 2582113, 2581247 North Karachi Industrial Area Branch Sector 12-B, North Karachi Industrial Area, Opp: Police Station Gabol Town. Phone : (021) 6987644, 6986170 Fax : 6986051 Paper Market Branch Plot No. S.R.7/23, Campbell Street, Paper Market. Phone : (021) 2211353-58 Fax : 2211243 Gulshan-e-Iqbal Branch Plot No.SB-15, Block 13-B, KDA Scheme No.24, University Road, Gulshan-e-Iqbal. Phone : (021) 4984937, 4984904 Fax : 4984971 Karachi Stock Exchange Branch 18-20, Karachi Stock Exchange Building, Stock Exchange Road. Phone : (021) 2417515-19 Fax : 2418353 North Napier Road Branch Surv. No. 35 / Sheet No. NP - 10 (Old Surv.No.A26/5), Napier Quarters. Phone : (021) 2544021-24, 2540989 Fax : 2540066 Bahadurabad Branch Prime Arcade, Shop No. 1-3, Bahadur Shah Zafar Road, Bahadurabad. Phone : (021) 4129677-81, 4128578-81 Fax : 4129676 Timber Market Branch Ground Floor, Sur. No. 15, Siddique Wahab Road, Lawrence Quarters. Phone : (021) 2750635-9 Fax : 2750632 Defence Housing Authority Branch Plot No.40 & 42 C, 26th Commercial St. Phase V, Defence Housing Authority. Phone : (021) 5304145-49 Fax : 5304157 PECHS Branch Shop No. 3, 154-S, Block-2, P.E.C.H.S. Phone : (021) 4535861 2 4538423-24 Fax : 4314221 Federal 'B' Area Branch C-28, Block - 13, Federal 'B' Area. Phone : (021) 6803041, 6344700, 5 & 6 Fax : 6803043 Eidgah Branch 45/1/2, Wadhumal Udharam Quarters, Near Light House, M.A. Jinnah Road. Phone : (021) 2217290-4 Fax : 2217244

32

Marriot Road Branch Karachi Survey # 67, Sheet # M.R.1, Murad Khan Road, Marriot Road. Phone : (021) 2414138-40 & 2412080 Fax : 2412082 Hyderi (North Nazimabad) Branch Plot # ST-4, Al-Burhan Circle Hyderi, Block 'E', North Nazimabad. Phone : (021) 6626066, 6626004 Fax : 6625402 Gulistan-e-Jauhar Branch 30-31, Saima Classic Rashid Minhas Road. Phone : (021) 4815926-27, 4815930 Fax : 4815924 Tipu Sultan Road Branch Z-111-112, Adamjee Nagar, Tipu Sultan Road. Phone : (021) 4398457-9 Fax : 4398456 DHA Phase-I Branch 114, 9th East Street, Phase-I, Defence Housing Authority, Main Korangi Road. Phone : (021) 5887571-73 Fax : 5887574 Hawksbay Road Branch KB-28, Haji Ishaq Market, Main Hawksbay Road, Opp. Quaid-e-Azam New Truck Stand Phone : (021) 2355871, 2355872 Fax : 2355873 Shershah Branch D-283, Main Shershah Road, S.I.T.E. Phone : (021) 2585001-4 Fax : 2585005 Malir Cantt. Branch Old Malir Cantonment Library, Cantt Bazar, Malir Cantt. Phone : (021) 4904601 Fax : 4904602 Tariq Road Branch 124/A, Block 2, P.E.C.H.S, Main Tariq Road Phone : (021) 4386052-5 Fax : 4386056 Landhi Branch Area 5-D, Sector 36-E, Landhi Township Phone : (021) 5034451-3 Fax : 5030875 Gulshan Chowrangi Branch Gulshan Chowrangi, Sani Arcade, Block - 3, Gulshan-e-Iqbal Phone : (021) 4988695 Fax : 4985729

Garden East Branch Silver Jubilee Apartment, 194/2/1, Britto Road, Near Ismailia Jamat Khana, Garden East Phone : (021) 2238704, 2238717, 2238722, 2238605 Fax : 2225941 DHA Phase IV, Karachi Plot No. 80, 10th Commercial Street, Phase IV, Defence Housing Authority, Karachi Phone: (021) 5312832 - 35 Fax: 5312837 Gizri K-4/3, Bazar Area Clifton, Karachi Phone: 021 - 5868991-93 Fax: 021 - 5867149 Sea View Sahil Promenade, Block 3, Scheme 5, Clifton, Karachi Phone: 021 - 5364095-97 Fax: 021 - 5371259 Nazimabad Al-Kausar Homes, Plot # 2, Block-III, Sub-Block E, Nazimabad, Karachi Phone: (021) 6708980-83 Fax: (021) 6708978 Saddar Branch Shop # 6, State Life Building # 5, Abdullah Haroon Road. Phone: (021) 5658710-11 Fax: (021) 5658717 Johar Chowrangi Branch Rafi shoppimg Mall Block 18 Gulistan e Johar Phone : (021)4638114 Fax : 4638115 Nagan Chowrangi Branch Plot # SC-28, Sector 11-H, North Karachi, Karachi Phone : (021)-6957622 Fax : 6957176 Jamshed Road Branch Ashfaque Plaza, Jamshed Quarters, New M.A. Jinnah Road, Karachi Phone : (021)-4860794-95 Fax : 4860793

33

HYDERABAD Plot No.476/1 & 476/2, adjacent to Hotel Faran, Saddar. Phone : (0221) 786020-22, 784242 Fax : 786023 Grain Market Branch Aman Center, Price Ali Road Hirabad Phome : (022)-2660611-5 Fax : 2660620 SUKKUR B-2823/B-2851, Frere Road, Sarafa Bazar. Phone : (071) 28173-75, 24753, 24750 Fax : 28176 NAWABSHAH Municipal Office Chowk, Katchery Road Phone : (0244)330721-28 Fax : 330729 QUETTA M.A. Jinnah Road Branch Property No.2-12(1), M.A.Jinnah Road. Phone : (081) 2841057, 2841180-83 Fax : 2827562 Hazar Gunji Branch Plot No. 332, 333, 334, Truck Stand, Hazar Gunji. Phone : (081) 2460520 Fax : 2460519 Cloth Market Branch Cut Piece Cloth Market, Shahrah-e-Iqbal Phone : (081) 4003849 Fax : 2821636 Double Road Arbab Plaza, Double Road, Quetta Phone : (081) 2441961-62, 2441662 Fax : (081) 2441665 Model Town Quetta Branch Plot # 35-B, Model Town, CHAMAN Trunch Road, Phone : (0826) 613440, 612541 Fax : 613488 GAWADAR Gawadar Palace Motel, Airport Road. Phone : (0864) 211796-98 Fax : 210185

MIRPURKHAS Plot # 854/7, Adam Town, Main Mmerkot Road, Phone : (02338) 74466, 74686 Fax : 75127 LARKANA Bunder Road Phone : (074) 4055712, 4055812, 4055360 Fax : 5053962 LAHORE LDA Plaza Branch LDA Plaza,Kashmir Road. Phone : (042)6306201-06 Fax : 6307836, 6368905 Gulberg Branch 125/E-I, Gulberg-III, Main Boulevard. Phone : (042) 5877800-8 Fax : 5754900, 5877807 Defence Branch G-9, Commercial Area, Phase-I, LCCHS. Phone : (042) 5729772-6, 5729722-26 Fax : 5729727, 5733591 Circular Road Branch A-43/A, Opp: Mazar Hazrat Shah Mohammad Ghous, Circular Road. Phone : (042) 7638256-8 Fax : 7653384 Township Branch 47-B/1, Block 10, Akbar Chowk, Township. Phone : (042) 5152833-6 Fax : 5113716 Badami Bagh Branch 29-30 PECO Road, Badami Bagh. Phone : (042) 7704961-66 Fax : 7728636, 7728074 Allama Iqbal Town Branch 36, College Block, Allam Iqbal Town. Phone : (042) 5432961-5 Fax : 5432960 Shah Alam Market Branch Hilal-e-Ahmar Health Complex, Shah Alam Market. Phone : (042) 7673401-6 Fax : 7673409 Shadman Market Branch Shop No. 2, Ground Floor, Business Centre, Shadman Market. Phone : (042) 7538116-20 Fax : 7538128

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Tufail Road Branch 50/3, Tufail Road. Phone : (042) 6689016-19 Fax : 6688374 Lahore Stock Exchange Branch Basement Level - 2, Lahore Stock Exchange Building, 19, Khayaban-e-Iqbal. Phone : (042) 6307461-69 Fax : 6307460 Baghbanpura Branch G.T. Road, Baghbanpura. Phone : (042) 6844002-09 Fax : 6844010 Ravi Road Branch 13 Ravi Raod. Phone : (042) 7708661-65 Fax : 7708660 Liberty Branch 10-C, Commercial Area, Liberty Market, Gulberg-III. Phone : (042) 5756288 & 5756355 Fax : 5755226 Raiwind Road Branch Thoker Niaz Beg, Raiwind Road. Phone : (042) 5431802-05 Fax : 5431806 Shahdin Manzil Branch Shahdin Manzil, Faysal Chowk, Mall Road. Phone : (042) 6012000-30, 6300581, 6300586 Fax : 6300589 DHA Extension Branch Divine Centre, Near Bhatta Chowk, New Airport Road, Lahore Cantt Phone : (042) 5700301-309 Fax : 5700311 Azam Cloth Market Branch Raheem Centre, Akbar Block, Azam Cloth Market Phone : (042) 7665526, 7643851-55 Fax : 7643860 Shad Bagh Branch 37, Umer Din Road, Wassanpura Phone : (042) 7616252-56 Fax : 6260295 Ferozpur Road Branch 18-KM Main Ferozpur Road Phone : (042) 5807812-14 Fax : 5807811 Shahdara Branch Main G.T. Road, Shahdara Chowk Phone : (042) 7900290 Fax : 7900291

Walton Road Branch E-28/A, Main Walton Road Phone : (042) 6687390 Fax : 6687391 Urdu Bazar Branch Main Kabir Street Phone : (042) 7210644 Fax : 7210647 Brandreth Road Branch 91-A, Brandreth Road, Near Australia Building Phone : (042) 7674115-18 Fax : 7671633 DHA Phase II Branch 65 CCA, Phase-II, DHA Phone : (042) 5748846-47 Fax : 5748849 Ghari Shahu Branch 99-A, Allama Iqbal Road, Ghari Shahu Phone : (042) 6360973 Fax : 6360962 Model Town, Lahore 13 Bank Square, Central Commercial Market, Model Town Lahore Phone: (042) 5884670-72 Fax: 5884675 Cavalry Ground, Lahore 35 Main Boulevard, Officers Housing Scheme, Cavalry Ground Lahore Phone: (042) 6610531-32, 6610534 Fax: 6610536 Chuburgi 24-Niaz View Scheme, Rewaz Garden, Chuburji, Lahore Phone: (042) 7356640-42 Fax: 7222236 Main Market Gulberg 32-E-Main Market, Gulberg II, Lahore Phone: 042 - 5786955- 59 Fax: 042 - 5786964 Montgomery Road Branch 65-Montgomery Road, Lahore Jauhar Town Branch Plot No. 435, Block G-1 M.A. Johar Town, Lahore Phone : (042)- 5311632-33 ISLAMABAD Blue Area Branch 1-B, Awan Arcade, Jinnah Avenue, Blue Area. Phone : (051) 2206986-7 Fax : 2279897, 2274766

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I-10 Markaz Branch 4-A, I-10 Markaz Phone : (051) 4435804-6 Fax : 4435807 F-7 Markaz Branch 5-A, Markaz F-7 Phone : (051) 2653959-63 Fax : 2653964 Stock Exchange Branch 101-W, Waqas Plaza, Blue Area Phone : (051) 2804102-104 Fax : 2804106 F-10 Markaz Branch 4-D, Urfi Centre Phone : (051) 2809703 Fax : 2809700 I-8 Markaz Branch Plot No. 34, I-8 Markaz Phone : (051) 4862563-6 Fax : 4862567 G-9 Markaz, Islamabad 39-G-9 Markaz, Mauve Area, Islamabad Phone: (051) 2253002-3 Fax: 2854932 F-8 Markaz, Islamabad Shop No. 2 & 3, Al-Babar Centre, F-8 Markaz, Islamabad Phone: (051) 7151673, 2854615 Fax: 2260270 RAWALPINDI The Mall Branch 8, The Mall Phone : (051) 5566084-6 Fax : 5584213, 5567462 Satellite Town Branch B/20, North Star Plaza, Satellite Town, Murree Road. Phone : (051) 4424080-6 Fax : 4424087 Jinnah Road Branch A-351, Jinnah Road (Old City Saddar Road). Phone : (051) 5775325-8 Fax : 5775324 Lalazar Branch Tulsa Road, Lalazar Phone : (051) 3007067-68 Fax : 5568977 Chaklala Branch 59, Shah Plaza, Commercial Area, Chaklala Scheme III Phone : (051) 5766003-4 Fax : 576605

College Road Branch E/20-26, College Road Phone : 051 - 5762008, 5762010 Fax : 5762007 Peshawar Road Branch Plot No. 400/2, Gammon House, Peshawar Road Phone : (051) 5468401-2 Fax : 5468403 Airport Road 7-Fazal Town, Airport Link Road, Rawalpindi Phone: (051) 5781484- 5 Fax: 5781483 Khanna Branch Adil Tahir Plaza, Service Road, Al-Noor Colony, Sector 3 Phone: (051) 4479290-3, Fax: (051) 4479295 FATEH JANG Rawalpindi Road, Fateh Jang, Phone : (0572)-210837-38 Fax : 210839 WAH CANTT 4-1/100, Officers Colony, The Mall. Phone : (0514) 539426-28 Fax : 511980 FAISALABAD Main Branch Ground Floor, State Life Building, Liaqat Road. Phone : (041) 617436-9 Fax : 617432, 640834 Peoples Colony Branch 237-B, Commercial Area, D-Ground, Peoples Colony No. 1. Phone : (041) 8722636-39 Fax : 8722184 Susan Road Branch 25-Z-101, Susan Road, Madina Town Phone : (041) 8556673-75 Fax : 8556679 Rail Bazar Branch Property No. P-81, Rail Bazar Phone : (041) 2540801-2 Fax : 2540803 Yarn Market Branch P-229, Tikka Gali No. 2, Yarn Market, Montgomery Bazar Phone : (041) 2621486 Fax : 2621487 Minerva Road Branch Shops No. 16 & 17, Golden Market, New Grain Market Menerva Road Phone : (041) 2540763- 5 Fax : 2540759

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Sheikhupura Road, Faisalabad P - 352-A, Gulistan Colony II, Millat Chowk, Sheikhupura Road, Faisalabad Phone : 041-8582141 - 3 Fax : 041-8582147 Babar Chowk Branch Peoples Colony Extension, Babar Chowk Phone : (041)- 8557421-22 Fax : 8557424 PESHAWAR Peshawar Cantt. Branch 6/38/L-Islamia Road. Phone : (0915) 5287051-7 Fax : 5287058 Peshawar City Branch Park Inn Hotel Building, Khyber Bazar, Peshawar City. Phone : (0915) 2551794, 2590023-27 Fax : 2551380 Hayatabad Jamrud Road Shop No. B-29 & 30, J.B. Plaza, Karkhano Market Phone : (0915) 5822902-5 Fax : 5822908 G.T. Road Branch 1045-1046, Hashtnagri, Opp: Sarhad Chamber of Commerce, G.T. Road Phone : 091-2593003 Fax : 2593001 Peepal Mandi Branch Ashraf China Trade Center Peepal Mandi, Peshawar Phone : 8557421-2 Fax : (091)-2564911 ATTOCK Zila Council Plaza, Katchery Chowk Phone : (057) 2701568, 2701557-58 UAN : 111-777-786 Fax : 2700248 KAMARA Attock Road, Kamara Phone : (057)-9317423-25 Fax : 9317420 HUNGU Saif-ur-Rehman Market, Opp: DCO Bungalow, Kohat Road, Main Bazar Phone : (0925) 624641-43 Fax : 624644 MULTAN Abdali Road Branch 62-A, Abdali Road. Phone : (061) 4546792-6 Fax : 4570233, 4540970

Vehari Road Branch 618/B, Vehari Road. Phone : (061) 6244492-95 Fax : 6244496 Hussain Agahi Branch Hussain Agahi Road Phone : (061) 4577242, 457725 Fax : 4577232 Chowk Shaeedan Branch Akbar Road, Chowk Shaheedan Phone : (061) 4579021-23, 4588807 Fax : 4579024 Shahrukn-e-Alam Branch 230-A Main Road Multan. Phone : (061)-6784201-4 Fax : 6784205 SIALKOT 40/A, Paris Road. Phone : (0432) 590098, 591741 Fax : 591742, 593210 RAHIM YAR KHAN City Centre Complex, Shahi Road. Phone : (068) 5879880-1, 5885970 Fax : 5879882 GUJRANWALA B XII-7S-145, Krishan Nagar, G.T. Road. Phone : (055) 3859931-3, 3847031-33 Fax : 3856471, 3255295 SAHIWAL 183-Sarwar Shaheed Road. Phone : (040) 4467691-95 Fax : 4467696 SARGODHA Block # 5, Liaqat Road, Opp: Jamia Mosque Hamid Ali. Phone : (0451) 724138-9 Fax : 724193 GUJRAT 15/231, Circular Road, Opp: Rampair Mahal Phone : (053) 3530071-3530219 Fax : 3530319 MARDAN C-929 to 932 & C-662, Ex-Arif Hotel Building, Bank Road. Phone : (0931) 73631-3 Fax : 73733

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BAHAWALPUR Ground Floor, Bdg. No. V/912, Circular Road. Phone : (062) 2889922-5 Fax : 889874 CHINIOT 1-A, Shahrah-e-Quaid-e-Azam Phone : (047) 6000712 Fax : 6331322 DASKA Gujranwala Road Phone : (052) 6616834-35 Fax : 6619650 HAFIZABAD BV-BS-26, Railway Road Phone : (0547) 540801 Fax : 540804 CHICHAWATNI 1-Railway Road, Rai House, Chichawatni District Sahiwal Phone : (0405) 487802-6 Fax : 487807 ARIFWALA 47/D, Zain Palace, Qaboola Road Phone : (0457) 835711-12-13 Fax : 835717 PAKPATTAN Main College Road Phone : (0457) 76020-22 Fax : 76024 DERA GHAZI KHAN 24-Block # 15, Liaquat Bazar. Phone : (064) 2468201-6 Fax : 2468104 MINGORA, SWAT Khasra No.95, Makan Bagh, Saidu Sharif Road, Opposite PTCL Office. Phone : (0946) 726745-6, 726740-4 Fax : 726747 JHELUM Bunglow No.67, Kazam Kamal Road. Phone : (0541) 610162, 610172, 610182 Fax : 610050

MIAN CHANNU Ghazi Morr, G.T. Road. Phone : (065) 2665301-4 Fax : 2665383 SHEIKHUPURA Main Lahore-Sargodha Road. Phone : (056) 3767970-4 Fax : 3614976 DERA ISMAIL KHAN Plot # 3666-B, Kashmir Chowk, North Circular Road, Phone : (0961) 720606-10 Fax : 720612 OKARA Plot No. 14, Sahiwal Road. Phone : (0442) 550418-22 Fax : 550423 ABBOTTABAD 191, Supply Bazar, Main Mansehra Road. Phone : (0992) 344723-6 Fax : 344728 JHANG 9-D, Yousuf Shah Road, Jhang Saddar. Phone : (0471) 624701-3 Fax : 624704 TOBA TEK SINGH 105-Farooq Road, Mohallah Jamia Masjid. Phone : (0462) 517837-9 Fax : 517841 BUREWALA 95-C, Al-Aziz Market, College Road. Phone : (067) 3771901-4 Fax : 3771905 KOHAT Bannur Road, Kohat Cantt. Phone : (0922) 522791-7 Fax : 522798 SADIQABAD 28-29 D, Allama Iqbal Road. Phone : (068) 5802501-4 Fax : 5802704

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MANDI BAHAUDDIN 17/207 Alvi Plaza, Alvi Hospital Chowk, Phalia Road. Phone : (0546) 520921-23 Fax : 507886 LALA MUSA G.T. Road. Phone : (053) 7518068, 7518368, 7518370, 7518780 Fax : 7518070 AHMEDPUR EAST BRANCH Plot # 188, Block XI, Kutchery Road Phone : (062) 2275504-8 Fax : 2275503 DAHARKI 1285 - 1287, Zafar Bazar Phone : (0723) 641255, 641355, 641217 Fax : 644040 GHOTKI 1-13, Station Road Phone : (0723) 684404, 684483, 684432 Fax : 684296 HAROONABAD 15-C/16-C, Ghalla Mandi Phone : (063) 2256457 Fax : 2256458 HASILPUR 37-C, Committee Bazar Phone : (062) 2448078, 2448090, 2448075 Fax : 2441071 KHARIAN 1, Rizwan Plaza, Main G.T. Road Phone : (053) 7536241-43 Fax : 7536245 GILGIT Shahrah-e-Quaid-e-Azam, Near Radio Station, Jutial Phone : (05811) 51904-07 Fax : 51903 CHAKWAL City Trade Centre, Tehsil Chowk, Rawalpindi Raod Phone : (0543) 555206-218 Fax : 555220

BHALWAL Liaqat Shaheed Road, Phone : (048) 6643709-6644863 Fax : 6624647 KASUR Shop No. 8-12, Adjecent to Mazar Hazrat Baba Bulley Shah, Rail Road Phone : (0492) 765218-9 Fax : 770890 MANSEHRA Shahrah-e-Resham, Branch Punjab Chowk, Shahrah-e-Resham Phone : (0997) 303591, 303592 Fax : 300597 Oghi Branch Main Bazar, District Mansehra Phone: (0997) 321949 Fax: (0997) 321357 BANNU Gowshala Road, Fatima Khel Phone : (0928) 614633-36 Fax : 614099 CHITRAL D.C. Office Road, Opposite Mountain Inn Hotel, Attalique Bazar Phone : (0943) 414396, 414367 Fax : 412988 HAZRO 273-M, Main Hattian Road Phone : (057) 2313771-2 Fax : 2313773 KOTLA Bhimber Road, Kotla Arab Ali Khan, Tehsil Kharian, Distt. Gujrat Phone : (0537) 586892, 586915, 586435 Fax : 586337 MIRPUR, AZAD JAMMU & KASHMIR 114, Sector F-1, Kotli Road, Mirpur, Azad Jammu & Kashmir Phone : (058610) 36834-7 Fax : 36838 KALLAR SYEDAN Ghousia Shopping Centre, Choa Road, Kallar Syedan Phone : (051) 3570763, 3572016 Fax : 3570227

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GUJAR KHAN 58-D & 59-C, Akbar Kiani Shopping Mall, G.T. Road, Gujar Khan Phone : 051 - 3515704-707 Fax : 051 - 3515703 GO JRA P -86, Block III, Bohar Wali Gali, Gojra Phone : 046- 3517876-77 Fax : 046- 3517878 MURIDKE G.T. Road, Muridke Phone : (042) 7983173-75 Fax : (042) 7983172 JARANW ALA P -813, Street No. 3, Nia Bazar, Jaranwala Phone : (041) 4319003-4 Fax : (041) 4319005 BAHA W ALNAGAR Shop # 6, Ghallah Mandi, Bahawalnagar (063) 2272005-8 (063) 2277437 MUZAFF ARGARH Mauza Taliri, Multan Road, Distt. Muzaffargarh (0662) 428920-23 (0662) 428931 KHANPUR Kutchery Road, Model Town, Khanpur (068)5577502 - 3, 5577617, 5577627 (068) 5577805 HARIPUR Main Shahrah-e-Hazara, G.T. Road, Haripur Phone : (0995) 627451-2 Fax : (0995) 627831 DINGA Thana Road, Dinga, Distt. Gujrat Phone : (053) 7404844-46 Fax : (053) 7404840

WAZIRABAD Sialkot Road, Wazirabad, Distt. Gujranwala Phone : (055) 6609460, 6609470, 6609480 Fax : (055) 6609450 KHUSHAB Plot # 2, Block # 2, Janharabad Phone: (0454) 723761-2 Fax: (0454) 723758 NANKANA SAHIB Main Jaranwala Road, Mandi Faizabad Phone: (056) 2881031-4, Fax: (056) 2882086 MIANWALI Watta Khel Chowk, Sargodha Road, Mianwali BHERA Circular Road, Darwaza Chakwala, Behra TALAGANG Taqi Plaza, Chakwal Road, Talagang Phone : (0543) 410791-4 Fax : (0543) 411030 MURREE Sharjah Center, Mall Road, Phone : (051)-3413210-2 Fax : 3413149 DINA Mahfooz Plaza, G T Road Phone : (0544)-632723-4 Fax : 632557 KHANEWAL Cinema Road, Chak # 98-10/R Fax : 2555710 PIR MAHAL Mohallah Kasurabad, Rajana Road, Pir Mahal Phone : (046)-3366430-31 & 3366381 Fax : 3366382 DEPALPUR Kuthcery Road, Depalpur Phone : (044)-4542223-25 Fax : 4542220

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ISLAMIC BANKING BRANCHES Uni-Tower, Karachi 213 - Uni-Towers, I.I.Chundrigar Road. Phone : (021) 2472295-8 Fax : 2472141 Shahrah-e-Faisal, Karachi Ground Floor, Fortune Center, Shahrah-e-Faisal. Phone : (021) 4315271-4 Fax : 4313581 Jodia Bazar Plot No. 112, Durya Lal Street, Jodia Bazar, Karachi Phone : (021) 2446542 - 5 Fax : (021) 2430492 Gulistan-e-Jauhar Eastern Pride, Gulistan-e-Jauhar No.15 Karachi Korangi Industrial Area Shop No. 1, Plot # 27/28, Sector-16 Korangi Industrial Area, Karachi Phone : (021) 5061661-4 Fax : (021) 5067031 Gulshan-e-Iqbal Plot # 40-B, Block#13-A, KDA Scheme No. 24, Gulshan-e-Iqbal, Karachi Phone : (021) 4144650- 52 Fax : (021) 4144653 North Nazimabad, Karachi D-3, Block A, North Nazimabad Phone : (021)-6633133 & 6633177 Fax : 6633135 DHA Branch, Karachi 23-C, Main Khayabane-e-Ittehad, Phase II Extension, DHA, Karachi Phone : (021)-531873-80 Fax : 5313872 Dhorajee, Karachi Plot # 35/127 Block 7 & 8 C.P. Berar Cooperative Housing Society Main Branch, Lahore 66-Main Boulevard, Gulberg. Phone : (042) 5715241-5 Fax : 5715249 McLeod Road, Lahore Abid Plaza, 13, McLeod Road. Phone : (042) 7211631-5 Fax : 7211640

New Garden Town, Lahore Awami Complex Block # 1, New Garden Town. Phone : (042) 5846374-85 Fax : 5846386 Y Block, Lahore 93-Y, Commercial Area, Phase III, Defence Housing Authority. Phone : (042) 5746191-5 Fax : 5746190 Johar Town, Lahore 69-R-I, M.A. Johar Town. Phone : (042) 5313401-05 Fax : 5313406 Zarrar Shaheed Road 1500-F, Dubai Chowk, Zarrar Shaheed Road, Lahore Cantt., Lahore Phone : (042) 6613853-62 Fax : (042) 6673224 Gulshan-e-Ravi Block F, Main Road, Gulshan-e-Ravi Lahore Phone : (042) 7404811-20 Fax : (042) 7404821 Qurtaba Chowk Rehman Chambers, Qurtaba Chowk, Mozang Chungi, Lahore Phone : (042) 7114612-16 Fax : (042) 7114618 Mughalpura Branch Opposite lalpul, Jehangir Raod Phone: (042) 6524701-09, Fax: (042) 6524710 Multan Road, Lahore Opposite Bex Factory, Main Multan Road, Lahore Wahdat Road, Lahore 14-Main Wahdat Road, Lahore Jinnah Avenue, Islamabad 8-E, REDCO Plaza, Jinnah Avenue, Blue Area. Phone : (051) 2879580-4 Fax : 2879589 G-10 Markaz, Islamabad 20-A, Sardar Plaza, G-10 Markaz Phone : (0511)-2819101-05 Fax : 2819100 Cantt. Rawalpindi 125-D, Murree Road. Phone : (051) 5795184-88 Fax : 5795189

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Satellite Town, Rawalpindi 400-B, Block B, Commerical Market, Satellite Town, Rawalpindi Kutchery Bazar Faisalabad P - 36, Kutchery Bazar. Phone : (041) 603021-5 Fax : 603028 Medical College Road,Faisalabad 1-Ramana, Opp: Punjab Medical College, Jail Road. Phone : (041) 8581602-04 Fax : 8581582 Faisal Arcade G.T. Road, Gujranwala Phone : (055) 4557301-05 Fax : 4557310 2, Bosan Road, Multan Phone : (061) 750941-5 Fax : 750885 Jamrud Road, Peshawar Phone : (0915) 5701385-89 Fax : 5701392 Ali Building, Khadim Ali Road, Sialkot Phone : (052) 3241302 - 5 Fax : 3241306 11 - 12 - 13, City Centre, Shahi Road Rahim Yar Khan Phone : (068) 5885331 - 2 Fax : (068) 5885668 Dera Islamil Khan East Circular Road, Toopanwala Gate Dera Ismail Khan OVERSEAS BRANCH BANGLA DESH DHAKA Dhaka Branch 5-Rajuk Avenue, Motijheel C.A. Phone : (008802) 7168821-05 Fax : 9557413

Gulshan Branch 168, Gulshan Avenue, Gulshan North, Dhaka 1212, Bangladesh Phone : 0088 20 8861848, 8861704 Fax : 8850714 CHITTAGONG Agrabad Branch 57, Agrabad, Chittagong, Bangla Desh Sylhet Branch Marchant Tower 582 East Mirza Bazar Phone: (00880821) 2830679 Fax: (00880821) 2830677 Dhanmondi Branch, Bangladesh 81/A- Satmasjid Road, Dhaka City Corporation, Union Dhanmondi, Bangladesh AFGHANISTAN KABUL Kabul Branch 410, Chahrahi-e-Sadarat, Shah-e-Nau Phone : (009375) 2004105-10 Fax : 2002142 HERAT Herat Branch Ground Floor, Chamber of Commerce & Industries, Heart Blood Bank Street Phone : (0093-40) 230705-07 Fax : 230704 KINGDOM OF BAHRAIN MANAMA 1302-Harbour Tower West Bahrain Financial Herbour P.O. Box # 1375 Phone: (00973) 17203100 Fax; (00973) 17224300

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B.A. Building, I.I. Chundrigar Road: Ph: (92-21) 2414030-39, Fax: 2417006; www.bankalfalah.com