Contents · PDF fileas a local branch or within catchment area of NIFT if clearing is handled as a local clearing. vi)

DOMESTIC BANKING

DOMESTIC BANKING

01

Particulars Charges Particulars ChargesSL Code SL Code

A. REMITTANCES

1) Cashier’s Chequea) Issuance of Cashier’s Cheque

b) Cancellation of Cashier’s Chequec) Issuance of Duplicate

Cashier’s Chequed) Issaunce of instrument for payment of fees / dues in

favor of Educational Institution HEC/Board etc.

0640-19

0640-27

0640-27

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

Through A/C Rs. 150/-Through Cash Rs. 250/-Rs.150/- FlatRs.150/- Flat

0.50% fees / dues or Rs. 25/- perinstrument, whichever in less.

0800-01

2) MTs a) Issuance of MTs b) Telephone / Fax /

Postage charges, etc.

3) Inter Branch OnlineTransactions-

Both Within City & Intercity a) Cash Deposits (Payable by: Depositor)

i) Within City ii) Intercity

b) Online Funds Transfer/cross Branch Transfer

(Payable by: Account Holder) i)Within City

ii)Intercityc) Cheque Deposits (Payable by: Beneficiary)


0810-010800-02

0640-40

0640-26 0640-250.10%, Min. Rs.150/-Refer (G) MiscellaneousCharges (Domestic)

Free0.10%, Min. Rs. 250/-

Free0.10%, Min. Rs. 250/-

FreeRs. 350/-

d) Cash Withdrawals (Payable by: Beneficiary)


Free0.20%, Min. Rs. 300/-

6) Duplicate SDR / TDR / FDR issuancecharges

7) Rupee Travelers Cheques a) Issuance of Rupee Travelers

Cheques 0640-12

b) Refund in lieu of lost Rupee Travelers Cheques

0640-12

Note:1. Where Online system is down, remittance may be sent by other means but UniRemote charges will be recovered.2. See Page 11 for waivers on Business Partner and Business Partner Plus Account. *OBC charges for Intercity UniRemote transactions would not apply ** In addition to the charges above, all applicable Government levies will also be recovered.

4) DD/MT/PO cancellation charges Rs.500/- (flat)

0640-645) Issuance of SDR (Security Deposit Receipt) Free for A/c Holder. For Non A/C Holder

Rs.350/- Complete waiver on issuanceof SDRs valued Rs. 50,000/- and aboveon the discretion of the Branch Manager.

Rs.200/- (flat)

0.10%, Min. Rs.100/-

Rs.500/- per application

0640-64

0640-19

0640-270640-27

ContentsContents

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

Safe Custody Articles inSafe Deposit & Safe Deposit Lockers

E. GuaranteesF. Local Trade BusinessG. Miscellaneous Charges

DOMESTIC BANKING INTERNATIONAL BANKINGPage Page

Consumer Banking

0102

03-0405-06

0607-08-09

09-10-11-12

A. Imports

B. Exports

C. Remittances

D. Miscellaneous

Important Notes

23-24-25

25-26

26-27-28

28-29

30

UBL Signature - Priority Banking 13

Bank Charges forGovernment Business 14

Branchless Banking 15-16

17-18-19-20-21-22

02

DOMESTIC BANKING


B. BILLS0.25%, Min. Rs. 250/- Max Rs. 10,000/-Intercity Clearing Charges Rs. 300/- (flat)(Including NIFT charges)0640-10

1) Clean (including cheques / dividend warrants / bank drafts/ Intercity clearing through NIFT etc.)

i) In case urgent collection of local cheque of Rs. 0.500 mln and below additional chargesof Rs. 200/- per collection and of Rs. 0.500 mln and above additional charges ofRs.300/- per collection.

ii) Postage / courier charges are to be recovered on collection / realization of eachinstrument (whether clean or documentary). However, in case where party hasdeposited more than 1 cheque instrument on particular date to be collected /drawn onthe same branch of the bank, postage / courier charges are to be recovered once only.

iii) Collecting agent’s charges, if the collecting bank is other than the bank, will be extra.iv) Trunk call charges will be extra, if rate of the instruments is asked for by telephone.v) No charges, if branch is situated within a radius of 25 Km as it will be treated

as a local branch or within catchment area of NIFT if clearing is handled as a local clearing.

vi) OBC charges only to be collected where cheques are physically lodged in collection.

0.60%, Min. Rs.250/-

0.40%, Min. Rs.500/- plus mark-upfrom the date of purchase to the dateof payment

i) No charges, if cleared within 3 daysof its receipt by the branch.

ii) Rs. 1/- per packet per day, Min Rs.50/-

54 paisas per Rs.1,000/- per day plusBank’s commission @ 10/- paisa perRs.100/-

Rupee account - Rs.200/- per transactionF.C. account - US $ 10/- per transaction

Rupee account - Rs.200/- per transactionF.C. account - US $ 10/- per transaction

54 paisas per Rs.1,000/- per day onactual finance.


DOMESTIC BANKING


03

C. PROJECT FINANCE / ADVANCES

Following charges may be recovered in addition to interest / markup / return on investment

1) Fee and charges in respect of Project Financing. a) Project evaluation / Appraisal fee On case to case basis as per agreement

with the party. Plus FED charge to be recovered0780-24

i) Within municipal limits or within aradius of 10 kilometers from the

branch

Upto Rs.1 mln Rs.200/-Above Rs.1 mln to 5 mln Rs.500/-Above Rs.5 mln to 10 mln Rs.1,000/-Above Rs.10 mln Rs.2,000/-Plus actual conveyance charges(Max. one visit per month)

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

c) Legal documentation fee for Trade Related / Project Finance

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

0780-40

0780-42

0780-40

On case to case basis as peragreement with the party. Plus FEDcharge to be recovered

On case to case basis as per agreementwith the party. Plus FED charge to be recovered

On case to case basis as peragreement with the party. Plus FEDcharge to be recovered

e) Restructuring and re-scheduling fee0640-50


0640-50


f) Restructuring and re-schedulingfee for SAM related projects

0780-242) Evaluation charges of property for security purpose

At Actuals

3) Non-Refundable Processing Feefor SME / Commercial Advancesincluding Funded and Non-FundedFacilities

Negotiable with subject to a minimum ofRs. 50,000/-

Above Rs. 100 mln

Fresh/enhancement/renewal of CAPKR 7,500/- or 0.05% of facilities amount,whichever is higher.

Above Rs.1 mln uptoRs.100 mln

0780-57 Fresh/enhancement/renewal CARs.5,000/- or 0.7% of facilities amount,whichever is higher.

Upto Rs. 1 mln

At Actuals

b) Godown staff salaries of GodownKeepers / Chowkidar.

At Actuals

4) For finance against pledge / hypothecation:

a) Godown Rent 0640-16

0640-16

0640-16c) Godown Inspection Charges Shall be credited to Bank’s Income Account

DOMESTIC BANKING

04

DOMESTIC BANKING


0640-50g) Marking of lien on securities

issued by UBL for other banksRs.500/- (flat) per customer

T. A. & D.A. as per rules. Applicable to staffonly in addition to charges at ‘c (i)’ above

ii) Outside the above limits

0640-16

ii) Directors search / charge search/ local credit report / independentstocks verification / independentcredit report / assets valuation

At Actuals

iii) Seasonal lending (cotton, rice etc.) Upto Rs.5 mln Rs.300/-Above Rs.5 mln Rs.500/-Plus T.A. & D.A. as per rules. Applicableto staff only

0640-16

0640-16

At Actuals

0640-19

iii) CIB Report

e) Other incidental expenses: Insurance premia, legal charges etc. At Actuals

0800-10

0800-04

For Consumer Rs.100/- (flat) Rs. 200/-other than consumer

Rs.10,000/- (flat) per transaction0800-04

f) Handling charges on marking oflien on Govt. Securities

Rs.500/- (flat) per customer

Rs.10,000/- (flat) per transactionb) For the Issuance of NOC on the request of Customers for creating charge on their current assets.

2-a) Redemption of charge fee to berecovered from the party when bankofficers are called before Registrar forredemption for the mortgage.

Rs.2,500/- per property

3-a) Registration with SECP & Lawyer’scharges for both Private & Public limitedcompanies where charge on current orfixed assets is registered

Rs.1,000/-

Actual plus Rs. 1,000/- per case

b) Vacation of Charge

Actual plus Rs. 1,000/- per caseb) Registration of charge at Registrar’s office.For Partnership/Proprietorship firms/individualfinances exceeding Rs.0.500 (M) for mortgageat registrar of Property office

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

4) Agri Proposal Processing Fee onBooking of New Customers/FreshFacility or Enhancing the Limit

i) Rs.1,000/- for Fresh Farm Loans / Enhancements of limits up to Rs.1 mln

0640-95ii) Rs.2,000/- for Fresh Farm Loans / Enhancements of limits exceeding Rs.1 mln

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

d) Delivery Charges i) If a Godown Keeper is not posted, conveyance charges

will be recovered

5) Other Charges on Advances 1-a) For the Issuance of NOC on the

request of customers for creatingadditional/ pari-passu charge/secondcharge on their fixed assets foracquiring further project finance, financesfrom other banks/financial institutions.

05

DOMESTIC BANKING


D. SALE AND PURCHASE OF SECURITIES, SAFE CUSTODY ARTICLES IN SAFE DEPOSIT & SAFE DEPOSIT LOCKERS1) Refund to unsuccessful applicants for IPOs

a) For A/c holder No charge on credit to A/c

3) Shares and securities held in safecustody (to be recovered onquarterly basis)

Rs. 850/- flat per transaction

2) Sale and purchase of shares andsecurities

Rs. 500/- flat per transaction

b) For non A/c holder Rs. 250/- cashier’s cheque charges

7) Stop payment Charges per Dividend Warrant

Rs.150/- flat

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

Rs.10/- per script, Min. Rs.50/-

4) Withdrawal fee on shares andsecurities held in safe custody (tobe recovered at the time of withdrawal)

0.25% upto Rs.10,000/-of the paid-up orface value and 0.125 % on amountexceeding Rs.10,000/- Min Rs.50/-

8) NIFT charges on the Dividend Warrant No NIFT charges if MICR codes are on theDividend Warrant otherwise Rs. 10/- each

Rs.20/- per script

Commission @ 1% plus out of pocketexpenses, Min. Rs.25,000/-(subject tonegotiation of rate based on volume of business)

Commission @ 0.50% plus out of pocketexpenses, Min. Rs. 15,000/-(subject tonegotiation of rate based on volume of business)Rs.2/- per 25 square inches or partthereof, Min. Rs.300/- per quarter

13) LockersSafe deposit lockers fee to be recovered in advance or at the commencement of the period

a)

b) Late payment charges (plus original yearly rent)

10%* of the applicable annual lockerrent every year

*Late payment charges will be taken once annually after rent is overdue for more than 30 days

Annual fee in Rs. (Including Insurance)Key Deposit in Rs.

2,500/-2,000/-

Small Medium Large Extra Large3,500/- 5,500/- 6,500/-2,500/- 3,000/- 3,000/-

Rs.2,500/- per Lockerc) Breaking Charges

14) IPS Account Maintanance Charges

Upto Rs.100 min Above Rs.100 min

0.25% p.a per issueNegotiable

15) IPS Security Movement Charge Rs.500/- for each transaction

06

DOMESTIC BANKING


Minimum Commission Rs.2,000/- perannum per guarantee or Rs.600/- perquarter wherever guarantee validity isless than one year. Charges may bewaived against 100% cash kept inMargin Account.

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

2) Guarantees secured by cash margin / lien over deposits

0.50% per quarter or part thereof,Min. Rs.500/-As per Term Sheet applicable for theentire Syndicate members

E. GUARANTEESRs.1,500/- (flat)

4) Other Guarantees

Upto (a) Rs.25 mln (b) Rs.50 mln (c) Rs.100 mln (d) Over Rs.100 mln

0.50% per quarter or part thereof0.40% per quarter or part thereof0.35% per quarter or part thereofNegotiable (see note below)

Where total volume of guaranteesbeing issued on behalf of a customerduring a calendar year is:

(Quarter will start from the date ofissuance of guarantee)

As per Other Guarantees, Clause 4,above (commission subject tonegotiat ions with cl ients andcorrespondent arrangements)Min US$ 100

b) Counter Guarantee issued by usfor guarantee issuance abroad

As per Other Guarantees, Clause 4,above(commission subject to negotiations withclients and correspondent arrangements)Min US$ 100

6) Amendment Rs.1,200/- per amendment (flat) or commissionat rate specified above if amendment involvesincrease in amount or extension in period.Incase of back to back guarantee: US$ 75 orcommission at rates specified under item 5 (a)and (b) above, if amendment involves increasein amount or extension in period.

7) Service charges for handling claimslodged by beneficiarya) Guarantees issued at customer’s

request within Pakistanb) Guarantees issued at request of

foreign banks / back to backc) Guarantees issued by banks

abroad at our request

Rs 1,800/- (flat)

USD 120 (flat)

USD 120 (flat)

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

DOMESTIC BANKING

07


0640-50

0.4% per quarter or part thereofMin Rs.2,000/-Rs.1,200/- (flat) per transaction pluscommission as per item a) above ifincrease in amount.

F. LOCAL TRADE BUSINESS1) Local Imports LC

a) Inland Letters of Credit issuance

b) Inland LC Amendment charges

0640-05

0640-49

c) Swift Charges i) LC Issuance

ii) Amendment Issuance

d)e)Dupl icate Advices f) FED invoice certificate

Min. Rs.2,000/- or actual whicheveris higherMin. Rs.1,000/- or actual whicheveris higherRs.200/- per LC & AmendmentRs.350/- per duplicate adviseRs.1,000/- per certificate

Courier Charges

g) Inland LC Cancelation Charges Rs.1,800/- plus swift andcommunication charges2) Local Import Bills

a) Sight Billsi) Collection charges for InlandLC / Restricted LC & Handlingof Inland Import Documents againstPAD Bill (Sight Bill)

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

65 paisa per Rs.1,000/- per day fromthe date of negotiation plus Bank’scommission @ 0.25%

If retired after 3 days from thedate of lodgment in PAD

0600-02

ii) Retirement of billsIf retired within 3 days from thedate of lodgment in PAD

60 paisa per Rs.1,000/- per day fromthe date of negotiation

Issuance of cashier’s cheque perTransaction Rs. 350/- flat plus couriercharges.

0640-03

Rs.3,000/- plus swift & courier charges

c) Payment of Bill drawn under Inland LC

d) Inland LC documents returned unpaid

e) Duplicate Advices

f) FED invoice certificate 0640-03 Rs.1,000/- per certificate

Rs.350/- per duplicate advise

0640-50g) Handling of Inland LC documents with

discrepancies

Rs.3,000/- (flat) plus swift &communication charges

0640-50

Rs.3,000/- per certificateh) Issuance of business performance certificate of previous years at the customer request

0.40% per bill Min. Rs.1,200/-Charges under b) i) plus delivery ofdocuments against acceptancecommission @ 0.10% per month onbill amount on realization from thedate of expiry of LC

b) Usance Bills i) Collection charges ii) If bill matures after expiry of LC

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

DOMESTIC BANKING


PKR 400/-, USD 5/-, GBP 2.5/-, EUR 2.5/-AED 15/-, SAR 15/-

9) Charges for cheque return unpaid0640-68

iv) UBL Basic Banking Account (UBL BBA) holders.v) Accounts related with Zakat Collection & Disbursementvi) Unclaimed deposits after maturity of ten years.vii) Earthquake affected areas (BPRD Circular Letter No. 28 of October 10, 2008)viii) All Staff Accounts wherein salary is Credited.ix) All singly operated accounts of retired staff of the bank wherein pension,

benevolent grant, medical bills reimbursed.x) Dormant Accountsxi) UBL First Minor Saving Accountsxii) School Management Committe Accounts-only for Sindh (BPRD Circular No. 02 of

Jan 25, 2010)xiii) e Transaction Accounts for OMNI Agents.xiv) UBL Wiz Cardsxv) All regular PLS saving accounts

10

10) Cost of Issuance of all currency cheque books

Rs. 6/- per leafRs. 12/- per leaf

a)MICRb)NON-MICR

0640-62/22

11) Service charges on Rupee CD / FCY CD / FCY Saving A/Cs where the average balances are below the required balance

0780-01

*Exemption to:i) Studentsii) Mustahiqueen of Zakat 13) Photocopy of a paid cheque

returned to customer Within 1 year

Above 1 year

0640-19Rs.200/-Rs.1,000/-

charges per cheque

**For all Account except Business Partner Plus

PKR**PKR(BP Plus)

USDEUROAEDGBPSAR

Monthly AverageBalance

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

5/-4/-

20/-3/-

20/-

*Service ChargesPer Month

10,000/-25,000/-

500/-400/-

2,000/-300/-

2,000/-

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

i i i) Employees of Govt/Semi-Govt institutions for salary and pensionpurpose, including widows/ children of deceased employees eligible for family

pension/benevolent fund grant etc.

0640-14b) Pay Partner-Salary (and other) disbursement.

Min. Rs. 75/- per transaction (or as percontractual terms)

0640-1812) a) Salary & Pension disbursement charges.**

Rs.75/- from remitting organization’s mainaccount under agreement per month wheresalary / pension is credited.

08

DOMESTIC BANKING


Note:The bank reserves the right to change different rates on the basis of volume and security offered subject to prior approval by concerned sanctioning authority

Charges negotiable on case to case basis under approval of relevant Business HeadIn addition to the charges above, all applicable government levies will also be recovered

30640-49

0640-49

0800-01

a) In Land Export LC Advising i) LC Advising

ii) LC Amendment Advisingiii) Postage/Courier Charges for LC & Amendment Advising

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

iv) Inland LC Confirmation chargesb) Collection of Documentary Bills drawn under inland LC and purchased by Bank

As per FIG arrangement0.40%, Min Rs.800/-0640-01

0.90%, Min Rs.1,000/-i) Above, mark-down for every 15 days from the date of purchase till the date of maturityii) If discounted later on, marked down rate to be obtained from treasury through business

c) Documentary bills drawn against Inland letter of credit Sight bills

Negotiation commission@ 0.50%,Min Rs. 1,000/-Rs. 1,000/- (flat) per bill

Rs. 500/- (flat) per bill will becharged by the forwarding branch

0640-46

0640-46

0640-46

0800-010640-50

iv)Postage/Courier Charges for LCs & Amendments Advisingd) Duplicate Advicese) FED invoice certificatef) Negotiation of documents drawn under inland sight letter of credit

Rs. 150/-

Rs. 250/- per duplicate adviseRs. 1,000/- per certificate

If proceeds not realized / credited to our customer’s account within 12 days than

Mark-up rate@ 60 paisa perRs. 1,000/- per day to be charged

mark-up is applicable to customer. NICF facility will be charged for any delay beyond

0010-11

12 days. Incase no NICF facility to customerthan mark-up will be charged

Mark-up rate@ 60 paisa perRs. 1,000/- per day to be charged

g) Negotiation (Usance) (Delayed Realization) If payment of inland/local bills realized within 03 days, no mark-up to be charged. Incase proceeds not realized/credited to our customer account within 03 days from the date of the maturity till its adjustment than mark-up

i) Negotiating End

ii) Collection charges for inland LC / restricted LC

iii) If negotiation is restricted to some other bank

0640-46i) Negotiating End Negotiation commission@ 0.50%,Min Rs. 1,000/-

DOMESTIC BANKING

09


is applicable to our customer’s NICF facility or as per special approval by the competent authority. In case of no NICF facility is available to the customer than mark-up will be charged

0640-19

Rs. 1,500/- plus swift & communicationcharges

0010-11h) Export LC Cancellation

Note:· The bank reserves the right to change different rates on the basis of volume and security offered subject to prior approval by concerned sanctioning authority· Charges negotiable on case to case basis under approval of relevant Business Head· In addition to the charges above, all applicable government levies will also be recoveredG. MISCELLANEOUS CHARGES

Actual, Min Rs.100/-Actual, Min Rs.100/-i) Local (Within City) Actual Min Rs. 50/-,ii) Inland (Intercity) Actual Min Rs. 75/-

1) a) Telephone b) Fax c) Postage

0800-05

e)0800-05 Actual, Min Rs.100/-d) Courier

FreeWelcome Pack / Cheque Book /Wallet VISA Debit Card

2) a) Statement of Account through mail (by post) Free b) Statement of Account through UBL

e-statement (by e-mail) c) Statement of Account using both

Free

Rs. 35/- bi-annually

Rs. 35/- per statement0640-19

d) Duplicate Statement of Account

Rs.400/- per cheque

4) 3rd Party Funds Transfer throughPakistan Real Time InterbankSettlement Mechanism (PRISM)/(RTGS) system

Rs.100/- per annum

7) Service charges for same daycollection/clearing cheque greaterthan 500,000/-through NIFT

Rs. 300/-

Rs.250/- per certificate

Days Transaction Time Windows Per Transaction Charges (PKR)

Monday to Friday 9:00 am to 1:30 pm1:30 am to 3:00 pm3:00 am to 4:00 pm9:00 am to 11:30 am11:30 am to 12:30 pm

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

Saturday

5)

6)

Rs. 300/- (Flat) for Rupee A/cF.C A/c - US$ 5 per transaction

Stop payment charges per instrument:Series of Cheque /CC/DD/PO/TT/RTCand Online Funds Transfer throughUniRemote

DOMESTIC BANKING

11

Particulars ChargesSL CodeParticulars ChargesSL Code

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

Issuance of MT

Issuance of CC

Cancellation of P.O,CC, DD or MT

Duplicate CC

ATM/Debit Card Annual Fee

Clean Bills for Collection

Issuance of Cheque Books

Cheque Return Unpaid from Payee Account

UniRemote Charges

Locker Rent

Issuance of Rupee Travelers Cheque

Waiver Per Month Applicable On Overnight Balance

Services

(Annual average balance can be used for seasonal accounts)

Rs. 250/- K & Above5

5

5

5

Free

5

1 Cheque Book of 50 leaves Free

5

Free

Free*

Free

14) BUSINESS PARTNER WAIVER GRID( for Individual, Sole Proprietorship, Partnership and Government Accounts only)

b) First time collection charges free for Business Partners customers having balance of Rs. 250 K and above (after proceeds from collection are realized).

Note:a) Waiver per month applicable on overnight balance when the request is made. This grid is applicable on Current Account/Business Partner balances of Rs.250 K and above, on case-to case basis on Branch Manager’s discretion.

15 BUSINESS PARTNER PLUS WAIVER GRIDMonthly Average Balance

of Rs. 25k and above

Online IBTS / UniRemote Transactions country wide

VISA Gold/Silver Debit ATM Card annual fee

Issuance of Cashier’s cheque

Cheque Book

Over the counter cash deposit

Cancellation of CC

Cheque Returned unpaid from payee’s account

Clean Bill for collection

Duplicate Cashier;s Cheque

Selected Transaction SMS

Duplicate Account Statement

Issuance of RTC

Free

Free

Free

Free

Free

Free

Free

Free

Free

Free

Free

Free

16) Charges on Encashment / Collection of profit coupons for certificates issued

by other banks

Rs.100/- per trip

0780-29

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

Rs.1,200/- payable to Agents +Rs.500/- service charges

a) Within City Report

b) Foreign Report

c) If requested by Banks/DFIs.

Equivalent Foreign Agents charges inPak. Rs. plus Rs.600/- service chargesNo charges

0780-29

DOMESTIC BANKING

12

18) a)Service charges in cash collectionA/c’s at branches other than cashmanagement clients, utility companies,consumer loan customers, customersunder contractual agreements andstudents (Remittance charges forfunds transfer, if any will be applicableseparately).

Rs.75/- per cash collection

0640-65

Particulars ChargesSL Code Particulars ChargesSL Code

b)Cash Collect-cash collection solution Min. Rs. 75/- per transaction or 0.15% onthroughput (or as per contractual terms)

Rs.100/-per transaction19) Standing instructions fee will be recovered in addition to the usual charges on remittance, if any

0640-65

20) Emigration Certificate

21) Proprietorship Certificate

22) No Objection Certificate (NOC)

23) UBL Basic Banking Account transaction charges.




Maximum of two deposits and twowithdrawal transactions (cash orclearing) per month are allowed free ofcharge on UBL BBA account holders.However, any transactions (cash &

0640-19

0640-19

0640-19

0640-65

clearing) in a calendar month afterthose mentioned above will be chargeda flat fee of Rs.50/- in addition to regularcharges for services as per SOC.

0640-65

26) Charges for verification of account balance to third party based on

customer’s consent (Exemption for: Students applying for visa to

proceed for Foriegn Education)

Rs. 100/- per transaction for any withdrwalabove the thershold of three debittransactions in one calendar month (Nocharges on credit transaction)

25) Transactional Charges on UBL UniFlex PLS Accounts.

Rs. 250/-

Electronic Banking / Cash Management UBL provides Electronic Banking and CashManagement Services. Fees and other charges to be recovered on a case to case basis.

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

Note:

0640-19

24) Statement of Profit Earned & WHT / Zakat Deduction

0640-19 Rs. 150/- per certificate

0640-15

27) Cash Handling / Sorting Charges- Where the cash deposited in the form of small denomination notes for deposit to accounts or for

issuance of any banking instrument

Per Bundle Rs.100/- (can be waived byBM / CSOM based on healthy depositrelationship)

0540-55

13

UBL SIGNATURE – PRIORITY BANKING

Particulars ChargesSL Code

1) Issuance of MT/ Cashier’s Cheque

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

3) Inter Branch Transactions in Online Branches – UniRemote

a) Cash deposits & account to account transfer

i) Within City

ii) Intercity

b) Cheque deposit

i) Within City

ii) Intercity

c) Cash Withdrawals

i) Within City

ii) Intercity

4) Bills Collection

a) Clean (including cheques/dividend warrants/bank drafts/

intercity clearing through NIFT etc)

5) Stop payment of cheque drawn

A. UBL Signature – Priority Banking

Free

Free

Free

Free

Free

Free

Free

Free

Free

Free

Note: Signature Priority Banking Customers: Please refer to your Priority Lounge RelationshipManager for other applicable waivers on Schedule of Charges, including FCY Accounts.In addition to the charges above, all applicable Government levies will also be recovered.- A Lounge Charge of Rs. 5,000/- shall be applicable on UBL Signature Customers incase theirquarterly average balance is less than Rs.1 Mln (Current Acount) or Rs. 2 Mln (PLS Saving Account)


6) Lockers annual fee & key deposit7) Consumer products application processing charges8) a) Signature Premium Debit Master Card

Free

5 Free Visits per year(additional visits - USD 35 each)

(with basic ATM withdrawal insurance coverage) b) Value added ATM withdrawal insurance

FreeFreeFree

9) Signature Priority Pass Fee

a) Membership / Annual Fee

b) Airport Lounge Visit Fee

coverage (optional)

10) Stop payment charges for cheque / DD / RTC /

Cashier’s Cheque and online Funds transfer

through UniRemote

11) Issuance of all currency cheque books

12) Cheque return unpaid charges from payee account (account in which bad cheque is deposited)

Free

Free

Free

Rs. 1,000/- p.a.

BANK CHARGES FOR GOVERNMENT BUSINESS

14


A. IMPORTS

1) Cash / reimbursable loans / barters expressed in U.S. Dollar or any other

foreign currency including L/Cs underA.C.U. / arrangement:

Note:The Bank reserves the right to charge different rates on the basis of volume and securityoffered subject to prior approval by concerned sanctioning authority. As per clarification givenby the SBP Foreign Exchange Department 6734/ FEP.9 (126-242)-95 dated 19-12-95 it isadvised that in the case of letter of credit or for that matter ‘‘Authorization to pay” opened bythe Department of the Federal or Provincial Governments whether routed through State Bankof Pakistan or not Letters of Credit commission is to be charged at the rates given in Para 37

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

Less than Rs.250,000/- 1/8% (0.125%) of the value of the Letterof Credit.

0640-48

2) Non-reimbursable letters of creditunder barter / aid / loans / authorizationto pay

3/8% (0.375%) irrespective of the valueof the Letter of Credit

0640-48

Rs.250,000/- and above 1/16% (0.0625%) of the value of theLetter of Credit.

(ii) Chapter XIII of Foreign Exchange manual (8th Edition-2002). However for letters of credit“Authorization to pay” opened by other public sector agencies in Federal / ProvincialGovernment including autonomous, semi autonomous bodies e.g., K.E.S.C. Limited, WAPDA,PTCL, etc. , the commission is to be charged from the openers by the banks as per their ownschedule of charges.

15

BRANCHLESS BANKING

A. Omni Service Fee

* Minimum balance requirement Rs 500/-

a) Account OpeningInitial deposit amount (Level 1,2,3 account)Minimum balance charges *

Rs. 500/-Rs. 25/- per month

d) Service Fee at UBL Omni DukaanUtility Bill PaymentMobile Voucher PurchaseMobile Postpaid Bill PaymentOmni Money Transfer

Cash WithdrawalCash Deposit

FreeFreeFree3.35% of the transaction(Min. transfer amount Rs. 500/-)1.5% of the withdrawal amountFree

b) Subscription For Omni Account Holders

• In this package, each transaction will be charged individually• This will be the default package

Package Name Free ChannelsValidity (Days) Charges (in Rs.)1

7

30

180

360

Omni Daily

Omni Weekly

Omni Monthly

Omni Semi Annual

Omni Annual

10/-

50/-

150/-

300/-

500/-

Mobile, Internet, WAP





Omni Transaction **

c)**Omni Transaction Package Fee

Bill Payment (Mobile, Internet or WAP)Mobile Voucher Purchase(Mobile, Internet or WAP)UBL Omni Account to Accountfunds transferBalance Enquiry

Rs. 5/-Rs. 5/-

2.5% of the transaction amountor Rs. 10/- (whichever is higher)Free

e) Omni VISA Card Charges

f) Omni Dukaandar Security Deposit

20% of the rolling amount orRs 10,000/- whichever is higher

Omni Card Type Annual Fee Daily Limit

Omni Silver

Omni Gold

Rs. 150/-

Rs. 250/-

Rs. 20,000/-

Rs. 40,000/-

Minimum Average Balance Above 10,000/- in last three monthsMinimum Average Balance Above 15,000/- in last three monthsMinimum Average Balance Above 30,000/- in last three months

BRANCHLESS BANKING

BronzeUp to Rs. 5,000/- Up to Rs. 50,000/- Up to Rs. 100,000/- Up to Rs. 500,000/-

Inter-Bank Fund Transfer (IBFT) through Netbanking

16

Rs. 50/- or 0.1% of the transactionamount whichever is higher




**Waived if Customer maintains e-Transaction Silver Account***50% Waived if Customer maintains e-Transaction Silver Account****Waived if Customer maintains e-Transaction Gold Account

Basic

(Please visit UBL Website for updates)

* This is a new service and promotional rates may apply. Such promotional ratesshall be regularly posted on UBL website.

** Waived if Customer maintains e Transaction Silver (or better) Account*** Waived if Customer maintains e Transaction Gold Account**** Current limits and can be changed anytime, see website for updates

E. Contact Center & IVRBill PaymentLoan Installment Payment

Rs. 25/-Rs. 25/-

Fund TransfersOwn AccountThird Party

0.2% Min. Rs 150/-0.2% Min. Rs 150/-

Note:i) In addition to above, commission/service charges, recovery of courier / postage / fax charges will also be

made according to prescribed tariff (wherever applicable)ii) Charges negotiable on case to case basis under approval of relevant Business Head.iii) In addition to the charges above, all applicable Government levies will also be recovered.

Rs. 2000*

Rs. 2,500/-

CONSUMER BANKING

17

Particulars Charges Particulars ChargesSL CodeSL Code

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

a) SMS Alert Charges 0790-05 Rs.35/- per month

b) Switch Transaction Fee 0640-43

i) Withdrawals on 1 Link ATMs other than UBL

ii) Withdrawals on other switches

Rs.15/-

Rs.15/-

NilRs. 100/- (No Charges for UBL WizInternet Card & ACCA Card)

0640-99

i) ATM Withdrawal

ii) POS Purchase

d) Balance inquiry i) Within Pakistan from

non - UBL network ii) From outside Pakistan

Rs. 5/- per transactionRs. 50/- per transaction

c) International VISA Usage Charges

e) Internet usagei) Activation chargesii) Per session charges

0640-412.5% of transaction amount orRs.250/- whichever is higher2.5% of transaction amount orRs.250/- whichever is higher

2. UBL Wallet VISA Debit Card & UBL First - Pocket Money VISA Debit Card

a) Annual Charges

b) Value added ATM withdrawalinsurance coverage (optional)

c) Funds Transfer Throught ATM

d) Card Replacement Fee

Card Type

UBL Wallet 500/- 250/-

SupplementaryBasic

UBL First Pocket Money N/A N/A

0.10%, Min. Rs.250/- both Within& Intercity

Rs. 250/- per card

0640-63

0640-43

0640-63

Note:i) No joining fee. Annual fee to be recovered in advance. No refund on account closure.ii) In addition to above, commission/service charges, recovery of courier/postage

/fax charges will also be made according to prescribed tariff (wherever applicable)iii) Charges negotiable on case to case basis under approval from relevant Business Head.iv) In addition to the charges above, all applicable Government levies will also be recovered.

3) UBL Wiz Prepaid VISA Debit Cardsa) i) Card issuance-(One time fee) i) NIL on deposit of Rs. 10,000/- & above

ii) Rs. 100/- for deposit of less than Rs.10,000/-0880-12

NILiii) Re-load fee

b) Cancellation / CardReplacement Charges

0640-50 Rs.100/-

(with basic ATM withdrawal insurance coverage)

Rs. 1,000/- p.a.


ii) Value added ATM withdrawal insurance coverage (optional)

Rs. 1,000/- p.a.

CONSUMER BANKING


18

Note:i) Charges negotiable on case to case basis under approval of relevant Business Head.ii) In addition to the charges above, all applicable Government levies will also be recovered.

i) Within Pakistan from non UBL network

f) Cancellation / Card Replacement Charges

Note:i) Charges negotiable on case to case basis under approval from relevant Business Head.

Rs. 100/-

0640-50

c) ATM Withdrawals d) POS Purchase e) Balance Inquiry

N/AN/ARs. 5/-

G. UBL DRIVE (CAR FINANCING)0640-78 As per the loan documents, or Rs. 5,000/-

(non-Refundable) if not specified PlusFED Charge

1) Application Processing Charges

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

0640-82

0640-813) Pre - payment Charges As per the loan documents, or 8% ofprincipal outstanding amount if not specified

0640-794) Late Payment Charges As per the loan document. If not specified,the prevalent Schedule of Charges (SOC)at the time of loan issuance will be used todetermine the charges. Current chargesRs. 1,000/-

5) UBL Pardes Cards

a) i) Card Issuance

ii) Value added ATM withdrawal insurance coverage (optional)

iii) Re-load Fee

0640-60

4) UBL Premium Debit Master Card a) Annual Fee

i) Basic ii) Supplementary

b) Value added ATM withdrawal insurance coverage (optional)

c) Card Replacement Fee i) Normal ii) Urgent

d) Funds Transfer Through ATM


0540-24

0540-23

b) Switch Transaction Fee i) Withdrawals on 1 Link ATMs

other than UBL ii) Withdrawals on other switches

Rs. 15/-

Rs. 15/-

(with basic ATM withdrawal insurance coverage) N/A

0.1% Min Rs. 250/- bothwithin and inter city

Rs. 250/- per cardN/A

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

Rs. 1,000/- p.a.

Rs. 1,000/- p.a

N/A

CONSUMER BANKING


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

H. i) UBL CASHLINE

1) Processing Fee As per the loan documents, orSalaried Rs. 2,500/- & SEB/SEPRs. 3,000/- if not specified

0540-422) Annual Charges (Renewal fee) As per the loan documents, orRs. 2,000/- if not specified

19

Note: * All regular branch banking charges will be applied for the transaction through branches.

** In addition to the above, commission / service charges, recovery of courier / postage / fax charges will also be made according to prescribed tariff (wherever applicable.)*** In addition to the charges above, all applicable Govt. levies will also be recovered.**** All rates are subject to change.

0640-78

8) Auction Charges Rs. 2,000/-0850-15

0800-117) Monthly Warehouse Charges As per the loan documents, orRs. 5,000/- per vehicle if not specified

6) Repossessed VehicleEvaluation Charges

Rs. 1,000/-

Actual incurred by the bank upto amaximum of Rs. 75,000/-

0860-255) Vehicle Re-Possession Charges

9) Duplicate Repayment Schedule Charges

Rs. 150/- per instance0540-64

10) Duplicate NOC Charges Rs. 150/- per instance0540-64

3) a) Debit Card Annual Charges Rs. 500/- for UBL Wallet & Rs. 1,000/-for Premium Master Debit Card

0860-25


6) Legal Stamping Charges At Actual

0640-78

0640-81

0640-79

0640-81

H. ii) UBL CASH PLUS

As per the loan documents, orRs. 1,000/- flat- if not specified

As per the loan documents, or5 % of the remaining outstandingamount if not specified

As per the loan documents, or5 % of the amount being reducedfrom outstanding principal if notspecified

As per the loan documents, orRs. 1,000/- per installment if notspecified

1) Processing Fee

2) Pre-payment Penalty

4) Late Payment Charges

3) Partial Payoff Fee

0640-794) Late Payment Fee As per the loan documents, orRs. 1,000/- if not specified

5) Insurance Charges (Credit Protector) 0.2% of total monthly outstanding0780-08

3) b) Value added ATM withdrawalinsurance coverage (optional)

Rs. 1,000/- p.a.

CONSUMER BANKING

20


Note: All Regular Branch banking charges will apply for the transactions through branches * In addition to above, commission/service charges, recovery of courier/postage/ fax charges will also be made according to prescribed tariff (wherever applicable)** Charges negotiable on case to case basis under approval of relevant Business Head.*** In addition to the charges above, all applicable Government levies will also be recovered.**** All rates are subject to change.J. UBL ADDRESS / BUSINESSLINE1) Processing Charges 0640-78 As per the loan documents, or Rs. 5,000/-

(non-refundable) if not specified, PlusFED Charge

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

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

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

3540-42

3540-42

3540-42

0640-814) Partial Payoff Option Fee As per the loan documents, or 5% of theamount being reduced fromoutstanding principal if not specified

0540-533) Late Payment Charges As per the loan documents, or Rs,1,000/-per installment if not specified

0640-81 As per the loan documents, or 8% ofremaining outstanding principalamount if not specified

2) Pre-payment Penalty

I. UBL MONEYAs per the loan documents, or1) Processing Fees 0640-78

Rs. 1,500/- if not specified

0640-68 As per the loan documents, Less than 1 yr: 8%,1-3 yrs: 5%, 3-20, yrs: 3% if not specified

9) Pre-payment Penalty (Full Payoff)

0640-2711) Default due to lack of funds on standing instructions

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

0540-5310) Loan Enhancement Charges As per the loan documents, or Rs. 10,000/-(Address) if not specified

8) Partial Payoff As per the loan documents, or Max 6monthly installments. Penalty chargesapply on amount exceeding Rs. 50,000or 6 monthly installments. 8% for Year 1,5% for Year 2, 3% in Year 3 & onwardsif not specified

0640-68

7) Life Insurance Optional. As per the rate quoted bythe Vendor.

0540-48 As specified in the loan documents, oractual (max of 3%) if not specified

6) Property Insurance

As per the loan documents, or (Applicablemark-up +2). As late payment penalty, MCCharge will be 2% if not specified.

Late Payment Charges - Businessline

0640-79 As per the loan documents, or Rs. 1,000/-per installment if not specified

5) Late Payment Charges - Address

12) Refund CCs Regular CC charge as per page no. 1,Item No. 1 (a) will apply for allconsumer refunds.

13) Commitment Charges 0540-43 As per the loan documents, or InCase the loan is booked on the

INTERNATIONAL BANKING

22

Particulars ChargesParticulars ChargesSL Code SL Code

Rs. 400/- per chequeRs. 100/- per transaction(not applicable for Businessline)Rs. 100/- per paymentRs. 250/- per pickupRs. 35/- per month

0540-55

0540-53

0540-38

M. General Consumer Banking Charges 1) Cheque Return Charges 2) Over the Counter Cash Payment

3) Payment at Collection Center 4) Collection on Customer Call 5) SMS Alert Charges

0540-53

0790-05

13) Booking Charges - Balance Transfer(Open)

Free 23) UBL PSO Auto Credit Card Conversion Fee (for Basic and Supplementary Cards)

Rs. 500/- per card0540-40

25) Chip Maintenance Fee Rs. 250/- per annum0540-65

27) Platinum Priority Pass Feea) Membership / Annual Feeb) Airport Lounge Visit Fee

28) Global Customer Assistance Service - FeesUSD 35 per requestUSD 250 per request

USD 225 per requestUSD 175 per requestUSD 50 per request

USD 7.50 per request

0540-40 i) Lost & Stolen Card ii) Emergency Card Replacement -

VISA Gold & Platinum iii) Emergency Card Replacement - VISA Classic iv) Emergency Cash Disbursement v) Emergency Service Request Denied or Fulfilled by Issuer or Cancelled vi) Card holder Inquiry Service / VISA Assistance Centre

0780-99

24) Processing Fee for Lien marked Credit Card

Salaried Rs. 2,500/-Self Employed/Others Rs.3,000/-

0540-40

FreeUSD 35 per visit

26) Legal Stamping Charges At Actual

16) Direct Debit Failure Fee Rs. 500/-0540-63

15) Cancellation Charges- Lite Installment Plan

5% of the installment outstanding balanceor Rs.1,000/- (whichever is higher)

0540-39

19) FX Conversion Charges on FCYTransactions

Up to 5% over prevailing market rateor as per SBP directive. Thirdcurrency transactions will be firstconverted into US Dollars as per ratequoted under arrangement with VISAand MasterCard.

0620-13

0640-1318) Utility Bill Payment Up to Rs. 35/- per transaction

Rs. 500/-17) Card Replacement Fee 0540-40

0540-3914) Booking Charges - Lite Installment Plan

Rs. 250/- per transaction

20) VISA / MasterCard Arbitration Chargesfor Disputed Transactions

USD 500 or equivalent2080-15

22) ‘Galleria’ Picture Card Image Placement / Replacement Fee (for Basic and Supplementary Cards)

Rs. 500/- per card0540-40

21) Refund CCs Regular CC charge as per pageno. 1, Item No. 1 (a) will applyfor all consumer refunds.

CONSUMER BANKING

21


5) Cash Advance Fee 0540-050540-06

0540-17/186) Late Payment Fee

0540-467) Over Limit Fee

3540-223540-293540-47

4) Minimum Monthly Payment

3540-339) a) Credit Guardian (for all new cards)

11) Child Education Plan 3540-08

10) Family Security Plan 3540-08

b) Credit Guardian (Insurance) 3540-33

8) Duplicate Statement

12) a) Hospital Cash Plan - Executive

b) Hospital Cash Plan - Deluxe

3540-08

3540-08

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

14) Line Renewal Charges- Businessline

As per the loan documents, or@ 0.05% of credit line or Rs. 5,000/-whichever is higher if not specified

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

0540-49

request of the customer & subsequentlythe Pay Order has been made but notcollected by the customer, a chargelevied at 10% of the undisbursedoutstanding amount will be paid by thecustomer if not specified


K. CREDIT CARDS

1) Annual Membership FeePlatinum

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

Silver & Gold

Rs. 4,000/-

4) a) Platinum Upgrade Fee from Gold and Silver-Basic

b) Platinum Upgrade Fee from Gold and Silver-Supplementary 0540-22

0540-21

0540-21

2) Annual Supplementary Card Fee(with basic ATM withdrawal insurance coverage)


4% of the amount withdrawn orRs. 750/- (whichever is higher)10% of the minimum balance due orRs. 1,000/- (whichever is higher)Rs. 1,000/- per instance

5% of the outstanding balance orRs. 200/- (whichever is higher)

0.2% of the monthly outstanding balance

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

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

0.79% of the monthly outstanding balance

Rs. 35/- per statement

21-35 years: Rs. 220/- per month36-50 years: Rs. 360/- per month51-60 years: Rs. 824/- per monthEach Child 1-20 years: Rs. 215/- per month21-35 years: Rs. 320/- per month36-50 years: Rs. 529/- per month51-60 years: Rs. 1,200/- per monthEach Child 1-20 years: Rs. 300/- per month

3) Value added ATM withdrawalinsurance coverage (optional) Rs. 1,000/- p.a.

0540-22

Free Rs. 2,000/-

Rs. 2,000/-

Rs. 1,000/-

-

-


23


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

0640-04

A. IMPORTS

1) Cash Letters of Credit: a) Issuance of letter of credit

2) Revalidation commission

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

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

Upto 0.40% and for 1st quarter orpart thereof Upto 0.25%, forsubsequent quarter min Rs. 2,000/-

Revalidation commission will be recove-red as is applied for opening fresh Letterof credit

Transfer commission will be charged asapplicable in case of fresh letter of credit

1% on 1st quarter and 0.30% for eachsubsequent quarter or part thereof,Min. Rs.1,500/-

0640-04

0640-04

0640-04

c) In case of L/G undertaking to beissued favoring any bank forproviding forward cover exchangerisk under Suppliers / Buyers Crediton behalf of applicant

d) L/C cancellation charges

5) Registration of contract with SBP inrespect of Private Foreign Currencyloans obtained by borrowers inPakistan from foreign lenders

6) Issuance of certificate regarding openingof L/C or registration of contract toanother bank for booking of forwardexchange at importer ’s request

7) Bills are drawn at a Usance under the Letter of Credit other than Pay As You Earn Scheme and Supplier

/ Buyer Credit and Deferred PaymentLetters of Credit on yearly basis

Commission @ 1.6% per annum,Min. Rs.2,000/-

Rs. 1,800/- plus swift & communicationcharge in actual

Handling charges Rs.7,500/- (flat)

a) Rs.750/-per application (flat) uptoL/C amount of Rs.1.0 mln

b) For L / C amount over Rs. 1.0 mln -Rs.700/-(flat)

a) Rs.1,200/-per bill (flat)b) Extra Commission @ 0.10% per month or part thereof for any period beyond the L/c validity till maturity of the bill.

b) L/C, L/G under “Suppliers / BuyersCredit” Pay As You Earn Scheme(PAYES) and deferred paymentL/Cs for period over one year

Commission @ 0.40% per quarter orpart thereof, Min. Rs.2,000/-

0640-04/0640-08

0640-08

0640-47

0640-50

0640-47

0640-04

NoteIn case forced PAD is created due to non payment on maturity against DA /Supplier Credit L/C, commission @ 0.50% is to be charged (once only) inaddition to mark-up @ 60 paisas PTPD (or as revised from time to time) from the date ofmaturity till the date of payment. 0640-47


24


0640-03

b) In addition to mark-up as per (12)(a), Banks commission on theamount from which PAD is createdless margin held there against isto be charged as under :

0640-468) Contract registration for import on annual volume basis Up to Rs. 50 mln Up to Rs. 100 mln Above Rs.100 mln

9) L/C Amendment

10) Contract Amendment

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

0.40% (flat)0.35% (flat)0.30% (flat)

Rs. 1,200/- per amendment ( flat) orcommission at rates specified under items1 and 4 (a) above, if amendment involvesincrease in amount or extension in periodof shipment.

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

Rs. 1,200/- (flat), plus service charges@15 paisa per Rs. 100/-, min Rs. 1,500/-plus swift charges Rs.800/-

Min. Rs.2,000/- (flat)

0640-47

0640-47

0640-46

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

54 paisas per Rs.1,000/-per day from the dateof negotiation till the date of retirement (on theamount for which PAD is created less cashmargin held there against).

a) Mark-up in case of import billsunder Import Letters of Credit

0600-02

Rs. 1,200/- (flat), plus service charges@15 paisa per Rs. 100/-, minRs.1,500/- plus swift charges Rs.800/-

i) If retired within 10 days from the date of lodgement

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

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

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

13) Import bills returned unpaid

14) a) Collections

b) Import against advance payment to suppliers

No Commission

25 paisas per Rs.100/-



Handling charges US $ 100/- (flat)plus courier charges Rs. 1,500/-

0640-03

0640-03

0640-03

0640-46

0640-03

0640-46

0640-03

Rs. 1,200/- (flat) per collection

0640-46

15) Service charges on retirement of import bills under L/c’s / Contracts

@ 15 paisa per Rs.100/-, Min. Rs.1,500/-1- Opened by us where Fx conversion / forward is done by us

2-Opened by us where Fx conversion / forward is done by other banks

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



25

16) Reimbursement charges (payable to Reimbursement Bank)17) Handling of discrepant

documents under import L/Cs18) Issuance of freight certificate for imports on FOB basis19) Extension in maturity of usance bills under L/C / Bank Contract.20) Expense Recovery Protest/ Legal Charges21) Handling of Imports Documents againts PAD Bills (Sight Bills)

0640-46

0640-46

0640-46

0640-460640-03

22) Duplicate advice issuance23) FED invoice certificate24) Issuance of business performance

certificate of previous years at thecustomer request

0640-50

0640-50

f) Reimbursement payment to otherlocal banks from non-residentrupee A/c

0640-34B. EXPORTS1) Processing charges for

Export Registration0640-31

0640-31

2) Letter of Credita) Advising

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

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

Rs.500/-(flat)

c) Negotiation of bills against L/C issuedunder barter / remittance from SBP(rupee bill) 0640-34

0640-51

0640-31

d) Confirmation

e) Transfer of Export L/Cs

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

0.30%, Min. Rs.250/-

0640-50

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

letter of credit

6) Collections

a) Clean cheques / Drafts / FTCs

0640-50

0640-50

c) Export Development Surcharge3590-18

4) EDS handling charges 0780-52

0640-50

3) Advance Payment

a) Service charges

b) Commission 0640-02

Rs. 400/-(flat)

Rs.100/-

As per prevailing SBP regulations(as and when the shipment is effected).Rs. 100/- (flat) per transaction

Rs. 200/- (flat)

Rs. 200/- per collection (flat)

0640-34 0.15% Min Rs. 400/-

b) Documentary (on which bank doesnot earn any exchange difference)

At Actuals

USD 60 or equivalent plus swiftcharges and FEDRs 1,200/- per certificate

Rs 1,500/- (flat) per bill

Actual + USD 25

Rs. 1,200/- (flat)

Rs.350/- per duplicate adviceRs.1,000/- per certificateRs.3,000/- per certificate

Rs.200/- (flat)

Rs.1,300/- (flat)US$ 60 (flat)

Rs.1,000/- (flat)US$ 30 (flat)


26


7) Duty Drawback Claim. 0640-50 0.25% of the amount of claim,Min. Rs. 250/- per case

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

a) Original Rs.1,000/- per certificateb) Duplicate Rs. 2,000/- per certificate

0640-65

13) Trade Development Authority Registration certificate verification

Rs. 200/- per certificate0640-65


0640-34

Rs. 500/- per bill0640-34

0780-53

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

0640-50

Rs. 400/- per case

8) Service charges against exportdocuments sent for collection basiswhere payment cover is alreadyreceived to our Foreign CurrencyAccount

9) NOC Issued Document transferred against export document

10) Freight Subsidy

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

14) Duplicate advice issuance

15) a) Negotiation of documents drawnunder sight letter of credit (DelayedRealization) If proceeds not realized /credited to our customer’s accountwithin 12 days than mark-up isapplicable to customer. NICF facilitywill be charges for any delay beyond

Rs.300/- per duplicate advice

Mark-up rate @ 54 paisa perRs.1,000/- per day to be charged

0010-11

b) Negotiation (Usance) (Delayed Realization)If payment of foreign / local bills realized within03 days, no mark-up to be charged. Incaseproceeds not realized/credited to our accountwithin 03 days from the date of the maturity tillits adjustment than mark-up is applicable to ourcustomer’s NICF facility or as per special approvalby the competent authority. In case of no NICFfacility is available to the customer than mark-upwill be charged

Mark-up rate @ 54 paisa perRs.1,000/- per day to be charged

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

0010-11

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

17) FED invoice certificate18) Export LC Cancellation

19) Export Proceeds Transfer

Rs.2,500/- per certificate

Rs.1,000/- per certificateRs.1,500/- plus swift &communication chargesFlat charges Rs. 500/- only onOut-Bound Export proceeds in FCY only

0640-500640-50

0640-28

0640-07

C. REMITTANCES1) Outward a) Foreign Travelers Cheques

b) i) Remittance abroad through Foreign Currency Account

1% of the amount of travelerscheques sold, Min. Rs.400/-Commission @ 0.25% perUS$ 1,000 or part thereof,Min. US$ 10, Max US$100


27


iii) Foreign Currency cash depositedin Foreign Currency account forrealization of export proceeds

0640-07

i) Students (for education purpose)

ii) Service charges againstissuance of FMT / FDD / TCagainst Pak Rupees(Not applicable on advancepayment imports)

0640-07

0640-07

Rs. 200/-

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

c) Remittance abroad other thanthrough Foreign Currency Account

0640-070.6%, Min US$ 7, Max US$ 15iv) Collection for Foreign Currency

AccountCommission @ US $1 per 1,000/- orpart thereof, Min. US $ 8 Max. US $75

v) Account to account transferof Foreign Exchange Companiesin Foriegn Currency Accounts(having same title of accounts)within UBL Branches (Locally)

0640-07

In addition to commission mentioned at(b) (i) above, service charges @ 0.25%to be charged in case of realization ofexport proceeds against cash depositedin Foreign Currency Account

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

In addition to cash handling charges andcommission mentioned under (b) (i) above,service charges @ 0.25% to berecovered Min Rs.200/-

0640-07

d) i) FDD / FTT cancellation charges Rs. 500/- per item0640-07

iii) Service charges on issuance ofFMT/FDD against Export

@ 15 paisas per Rs.100/-, Min. Rs. 500/-0640-07

Rs.250/-

Rs.500/- per cancellation

ii) Under general permission or specific approval of SBP

iii) FDD / FTT cancellation chargesagainst Export

0640-07

0640-07

c) Service charges on payment of InwardForeign Remittance/Swift Transferreceived in Foreign Currency (Chargescode SHA/BEN/OUR) and coverthrough our various Nostros. Thesecharges are to be recovered onlywhen TT buying rate is applied.

0640-70

Favoring UBL Customers:@ 0.15%, of remittance amount withMin USD 5 and Max USD 20(Equivalent Pak Rupees).Beneficiaries with other local banks:@ 0.15%, of remittance amount withMin USD 10 and Max USD 25(Equivalent Pak Rupees)

0640-70 Nil, if the proceed are credited to anaccount with UBL. In other cases, flatcharges @ Rs.500/-

b) OthersNo Commission

0640-70

2) Inwarda) Home Remittance

Rs.400/-e) i) Issuance of duplicate FDD

ii) Issuance of duplicate FDDunder Export

Rs.500/- (flat)0640-70


28


*Note: UBL Branches, Joint Ventures and Subsidiaries exempted.

c) Fax / Telephone / SWIFT 0810-01 Full SWIFT L/C, Guarantee and LongMessages Min. Rs. 2,000/- or actualwhichever is higher. Short SWIFT/LC amendment Rs. 800/- or actualwhichever is higher

d) Courier

3) Foreign bills sent for collectionreturned unpaid

Foreign Rs.1,300/-

0640-50

0800-05

0640-70

d) Inward cheques expressed inForeign Currency drawn on ForeignCurrency accounts received fromlocal / upcountry bank’s branchesfor payment in Pak Rupees afterconversion at authorised dealersbuying TT clean rates

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

D. MISCELLANEOUS

1) Correspondent Banking charges

2) (Postage / Fax / Telephone / SWIFT andCourier)

At Actuals


0640-70

0640-70

0640-70

0800-01

e) Clean Collection-Using Foreign Correspondent arrangements

i) Collection for Foreign Currency Account orRupee Account

ii) Cheque/Draft/FTCs Returned unpaid

iii) Postage

0.6%, Min US$ 7, Max US$ 15 orEquivalent Rupee per collection(in Addition to foreign Bank charges)

Rs. 400/- (flat)

Rs. 200/- (flat)

0800-01

0800-01b) Postage (Within City-Registered)* Foreign at actual, Min. Rs.150/-

i) Foreign at actual Min. Rs.150/-ii)Within City for import and export Rs. 200/-

a) Postage (Within City)*

Rs.500/- (flat)

4) Inward collection received relatingto Foreign Currency A/c from abroador local banks / branches and wherethe payment is demanded in ForeignCurrency

5) Inward Foreign Currency cheque,received from local branches,upcountry branches or local banksfor payment in Pak Rupees (convertthe relevant Foreign Currency at theTT Buying rate)

0640-50

US$ 5 per US$ 1,000 or part thereof and Max. US$ 15

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


29


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

b) Negotiation (Usance) If payment Foreign/Local bills realized within3 days, no markup to be charged. Incaseproceeds not realized/credited to our accountwithin 3 days from the date of maturity thenmarkup to be charged from the date ofmaturity till its adjustment @ applicable toour customer’s NICF facility or as perspecial approval by the competent authority.

0010-11

0640-506) Issuance of proceeds certificate

beyond one yearRs.500/- (flat) per certificate

8) Service charges for verification oftest / signature and mail L/Cs

Rs.500/- per instance

0640-50

0640-20

US$ 5 per transaction9) Standing instructions charge inforeign currency accounts

If proceeds not realized / credited to ourcustomer’s account within 12 days thenmarkup @ applicable to our customerNICF facility to be charged for any delaybeyond 12 days. Incase no NICF facilityto the customer then mark up @ 54paisa per Rs. 1,000/- per day to becharged.

10) a) Negot iat ion of documentsdrawn under sight letter of credit

0010-11

0640-50

7) Credit check at customer’s request Rs.300/-

Incase of no NICF facility is availableto the customer then markup @ 54 paisaper Rs.1,000/- per day to be charged.

12) (a) Cash handling charges on Foreign currency accounts for over the counter cash deposits of USD, GBP & Euro. 0780-52

Free

11) Issuance of business performancecertificate of previous year’s

at customer’s request 0640-50

Rs.2,000/- per certificate

13) FED invoice certificate (Import & Export)

Rs.500/- per certificate0640-50

(b) Cash handling charges on Foreign currency accounts for over the counter cash deposits of other currencies i.e. SAR,AED,JPY etc.

1.5% Min Rs. 200/-

0780-52

For SAR & JPY only (AED Exempt)


31

AMENDMENTS AND NOTESAMENDMENTS AND NOTES

30

IMPORTANT NOTES

All Government levies including FED will be recovered where applicable.

Commission / service charges, recovery of courier / postage / fax charges will also be made according to prescribed tariff (wherever applicable.) All rates are subject to change.

All regular branch banking charges will be applied for the transaction through branches.

See Page 11 for waivers on Business Partner Accounts & Business Partner Plus.

OBC charges for Intercity UniRemote transactions would not apply

Where Online system is down, remittance may be sent by other means but UniRemote charges will be recovered.

The Bank reserves the right to charge different rates on the basis of volume and security offered subject to prior approval by concerned sanctioning authority.

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

Signature Priority Banking Customers: Please refer to your Priority Lounge Relationship Manager for other applicable waivers on Schedule of Charges, including FCY Accounts.

Symbol branches to use SL Codes as suggested by migration team til l further instructions.Charges for Cash Collect will be subject to contractual agreement with the customer.