Askari Bank Limited -Ikhlas Islamic Banking Service Schedule o(Bank Charges (Exclusive o(FED / Sales Tax) effective January 1, 2018

Schedule of Bank Charges(Exclusive of FED / Sales Tax)

Effective

January 01,2018MOST IMPORTANT

LEVY OF FEDERAL EXCISE DUTY (FED) / SALES TAX

All Branches / Offices are advised to recover FED / Sales Tax on allBanking Services (excluding profit mentioned in the Schedule of BankCharges) at rates as applicable in the respective provinces.

r11_skar b nk,A.;~";!' ~!1U LI rVlITE D

Islamic Banking Services DivisionWallayat Complex Bahria Town Phase-VII

RawalpindiPABX # 051-5172651/ 108

1

Askari Bank Limited -Ikhlas Islamic Banking Service Schedule of Bank Charges (Exclusive of FED I Sales Taxi effective January I, 2018

Table of Contents

TRADE FINANCE Page #A. Imports

1. Letters of Credit 32. Bills 33. Others 4

B. Exports1. Letters of Credit 42. Bills 43. Others 5

C. Domestic Banking1. Inland Letters of Credit 52. Bills 63. Guarantees 6

GENERAL BANKING (FOREIGN)A. Remittances 7B. Clearing Through NIFT 7C. Collection Through Correspondent 7D. Postal/Telegram etc. 7GENERAL BANKING (DOMESTIC)A. Remittances 8B. Bills 9C. Safe Deposit Lockers 9D. Utility Bills 10E. Alternate Delivery Channels

1. Visa Debit Card 102. ATM Services 103. Fund Transfer through ATM / I-NET Banking / IVR-Call Center 11

F. Consumer Banking Services1. Askari Car Ijarah 112. Askari Home Musharakah 11

G. Branchless Banking 12H. Miscellaneous Charges 14

NIL Charges 15I. Islamic Financing 15J. Settlement of 3rd party fund transfer through PRISM 16K. Postal/Telegram etc. (Domestic) 17

~(\~.+<4-J~ <Q.2 ~ UuhammadTabif •

~ Resident Shariab ~'*Board MemIIer !<r.

~~~DOf~\G-

Askari Bank Limited -Ikhlas Islamic Banking Service Schedule of Bank Charges (Exclusive of FED / Sales Tax) effective January 1.2018

A. IMPORTS

1) LETTERS OF CREDIT

Cash Letters of Credit

a. LCs upto Rs. lOOM

b. Revalidation Commission

c. Transfer Commission

d. i) LCs under suppliers / buyers creditpay as you earn scheme and deferedpayment LCs for period over oneyear upto US$ 10M or equivalent

ii) LCs under suppliers / buyers creditpay as you earn scheme and deferedpayment LCs for period over oneyear and for amounts in excess ofUS$ 10M or equivalent

iii) Non-Reimbursable LCs underBarter/ A idlLoans

e. Amendments

TRADE FINANCE

First quarter or Each SubsequentPart thereof Quarter or part thereof

Minimum

As per applicableslab Annexure A

Rs. 2,000/-As per applicableslab Annexure A

Revalidation commission after expiry of LC, when the same isrevalidated, revalidation commission is to be charged same as incase of opening a fresh Le.

When LC is transferred to new beneficiary, transfer commissionwill be charged as applicable in case of opening fresh LC as above.

Commission to be recovered as per applicable slab given inAnnexure A, from the date of opening of LC till the expiry of LC.Thereafter commission is to be recovered on 6 monthly basis onreducing liability till payment of the last and final installment.

Commission is to be recovered as per applicable slab given inAnnexure A, from the date of opening of LC till the expiry of Le.Thereafter commission is to be recovered on 6 monthly basis onreducing liability till payment of the last and final installment.

Commission is to be recovered as per applicable slab given inAnnexure A. Minimum Rs. 375/-

Rs. 1,000/- per amendment (flat) or Commission under items a or dabove if amendment involves increase in amount or extension inperiod of shipment.

f. Import under Registration of Contract i) 55% of applicable slab given in Annexure A - MinimumRs. 1,000/-(OR subject to negotiation and approval from the competentauthority)

2) BILLS

a. Ifbills are to be drawn under usanceLC

b. Discrepant Documents receivedunder Import LC

ii) Collection commission at the time of payment of bill Rs. 500/-(Flat)

Rs. 650/- per bill (flat) to be charged at the time of retirement ofbills. Extra commission as per applicable slab given in Annexure Bis to be recovered/charged on monthly basis for the usance importbills for any period beyond validity of Le. However, nocommission to be charged if the maturity/payment period of thebill falls within the period for which commission has already beenrecovered.

i)

ii)

Askari Bank Limited -Ikhlas Islamic Banking Service Schedule of Bank Charges (Exclusive of FED / Sales Tax) effective January I. 2018

c. i) Collection

ii) Items returned unpaid

iii) Handling charges on Rupeesdenominated import bill

d. Service charges againstimport transactionsi.e. Import Bills I Collection

e. Remittance on account of Importwithout opening ofLC or contractregistered as specified in the ImportPolicy

account & to be recovered from negotiating bank.

Rs. 800/- (Flat)

Rs. 800/- from the Importer or US$ 75/- (or equivalent) recoverable from theforwarding bank.

Rs.750/- (Flat)

0.15% flat - Minimum Rs.l,500/-(OR subject to negotiation & approval from the competent authority)

Rs. 750/- (Flat) plus SWIFT/Telex charges if required.

f. Issuance ofNOC to other banks for Rs. 1,000/- per Noebooking Foreign Exchange or effectingremittance under our LC or registeredcontract etc.

3. OTHERS

a. WeBOe ElFb. Transfer of ElFc. FOe WeBOe ElF

B. EXPORTS

1) Letter of Credit

a. Advising

b. Amendment Advising

c. Confirmation

d. Transfer of Export LCs

e. Reimbursement payment toother local banks from Non-Resident Rupee Account

f. Verification of "EE" Statement

2) BILLS

a. If the documents are sent toother banks for negotiationunder restricted LCs

Rs: 15/- per transactionRs: 500/- per transactionRs: 500/- per transaction

Rs. 1,000/- for customers,Rs.2,000/- for non-customers

Rs. 1,000/- for customers,Rs.l,200/- for non-customers

Subject to Arrangement I as decided by International Division

Rs. 1,500/-

Rs. 550/-

Rs.1 ,000 per form

Rs.l,OOO/-

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Askari Bank Limited -Ikhlas Islamic Banking Service Schedule o(Bank Charges (Exclusive o(FED I Sales Taxi effective January 1.2018

b. Service charges against exportdocuments sent on collection basiswhere payment cover is alreadyreceived in bank's NostroAccounts / Advance Payment

c. Collection

i) Clean

ii) Document (on whichbank does not earn anyexchange income)

3) OTHERS

a. Handling of Duty Draw BackClaims

b. Freight Subsidy Claim

c. Processing charges for "6%Research & DevelopmentSupport" cases

d. Issuance of EPRC (ExportProceeds Realization Certificate)

e. Handling Charges for ExportRefinance Applications

f. Handling of Substitution Cases ofExport Refinance

g. Processing Charges on ExportDevelopment Surcharge

h) WeBOC EFE Feei) Transfer of EFEj) Expired EFEs

C. DOMESTIC BANKING1. Inland Letters of Credit

a. Issuance

0.13%, Minimum Rs.I,OOO/- (OR subject to negotiation and approvalfrom the competent authority)

Rs. 200/- (Excluding postage)

Rs. 500/- (Excluding postage)

@ 0.45% per claim ... Min. Rs. 600/-

@ 0.45% per claim ... Min. Rs. 750/-

@ 0.45% per claim .... Min. Rs.I ,000/-

Rs. 300/- per certificate

Rs. 600/- per application

Rs. 600/- per case

Rs. 100/- per export Bill

NilRs:500/- per transactionNil

i) Commission is to be recovered as per applicable slab given inAnnexure A ... Min. Rs. 1,500/-

ii) For annual volume of Rs. 50MIPublic Sector Organization /Government/Semi-Government Sponsored Bodies, commissionsubject to negotiation and approval from the competent authority

Rs. 1,000/- per amendment (Flat) or commission under item l.a.above if amendment involves increase in amount or extension inperiod of shipment.

c. Discrepancy Charges on Rs. 1,000/- (Flat)documents (wherever applicable)

b. Amendments

5

Askari Bank Limited -Ikhlas Islamic Banking Service Schedule of Bank Charges (Exclusive of FED / Sales Tax) effective January I, 2018

d. Ifbills are drawn at Usanceunder inland LC

e. Advising, Amendment andConfirmation charges of (inward)inland Letters of Credit

2. BILLS

Rs. 650/- per bill (Flat) to be charged at the time of retirement ofbills. Extra commission as per applicable slab given in Annexure Bper month is to be recovered / charged for the usance bills for anyperiod beyond validity of LC till date of maturity / payment.However, no commission to be charged if the maturity / paymentperiod of the bill falls within the period for which commission hasalready been recovered.

As applicable in case of Export Letters of Credit.

Documentary Bills other than thosedrawn against Letters of Credit &Clean Bills / Trade Cheques

Notes:i) Collecting agent's charges, if the collecting agent is other than the bank, will be extra.ii) Charges of Rs. 135/- for documentary collection in case the instrument is returned unpaid.

iii) Telegram/trunk call charges will be extra if fate of instrument is obtained by telegram / telephone.iv) Storage charges Rs. 135/- (flat) per packet per day. No charge if cleared within 3 days of its receipt by the

branch.v) Other charges as per notes (i) to (iv) above will be extra.

3. GUARANTEES

a. Guarantees issued to shippingcompanies in lieu of bills oflading / delivery orders againstA WB where original documentshave not been received

b. Other Guarantees

Guarantees upto Rs. 100 M

c. Public sector corporation /government / semi governmentsponsored bodies

d. Amendment Charges

Handling of claims underguarantees

e.

Negotiation of Bills on assignment basis at par... Minimum Rs.500/-

Rs.I,500/- (flat) (against 110% cash margin in savings account, oragainst available limits)

First quarter orpart thereof

Each subsequent quarter Minimumor part thereof

As per applicable As per applicableslab - Annexure C slab - Annexure C

Rs. 1,000/-(per transacti on)

As per applicable As per applicableslab - Annexure C slab - Annexure C

Rs. 650/- flat in addition to charges as above

Rs. 2,500/- flat to be charged to the applicant, except for interimclaims received from Custom Authorities

Charges against guarantees on behalf of correspondent banks subject to approval from IND and charges onguarantees issued under syndicated arrangements, subject to negotiation and approval from the competentauthority.

Note: All guarantees issued by banks will contain specific amount, expiry date and date by which the claims are tobe lodged.

6

Askari Bank Limited -Ikhlas Islamic Banking Service Schedule of Bank Charges (Exclusive of FED / Sales Tax) effective January I. 2018

GENERAL BANKING (Foreign)

A. REMITTANCES

a. Outward i) FDD US$ 20/- plus cost of SWIFT Charges @ US$ 5/- per messageor equivalent PKR 0.3% will also be applicable if the amount is notretained in the account for 15 daysii) FTT US$ 20/- plus SWIFT charges @ US$ 13/- per message orequivalent PKR 0.3% will also be applicable if the amount is notretained in the account for 15 days

b. i) Inward Nil if proceeds are credited to an account with us, Otherwise a flatcharge ofUS$ 5/- or equivalent

ii) Home remittances Nil charges (excluding cost of money order or telegram chargeswhen T.T. is requested)

US$ 10/- plus SWIFT charges @ US$ 5/- or equivalentc. Cancellation of demand draft

d. Issuance of duplicate demand drafts(in lieu of lost)

US$ 10/-plus SWIFT charges @ US$ 5/- or equivalent

e. Foreign exchange permitson behalf of account holders

Rs. 1,075/- per permit

f. Registration of students cases US$ 70/- per case & Renewal fee US$ 50/- or equivalent

B. CLEARING THROUGH NIFT

1. Local US$ Cheques:

i) Outward Clearing (Paid)

ii) Outward Clearing (Returns)

iii) Inward Clearing (Paid)

iv) Inward Clearing (Returns)

US$ 10/- per item + postage

US$ 15/- per item + postage

US$ 3.5 per item

US$ 10/- per item

C. COLLECTION THROUGH CORRESPONDENT

Collection of FCY Chequesthrough Correspondent Bank

US$ 13/- per cheque plus Correspondent Bank'scharges at actual.

D. Postal/Telegram / Telephone / SWIFT / Telex / Fax & Courier Charges\

1. Correspondent charges Actual

2.

3.

Postage Rs. 320/-

Courier Service Rs. \ ,800/- flat

4. SWIFT/Telex/Cable chargesa. Full text LlC etc. Rs. \,700/- flat

b. Short messages (e.g. LlC,amendment etc.)

Rs. 650/- flat

c. Other short messages Rs. 650/- flat

5. Telephone & Fax charges Rs. 650/- flat

7

Askari Bank Limited Ikhlas Islamic Banking Service Schedule of Bank Charges (Exclusive of FED / Sales Tax) effective January I. 2018

6. Foreign Bills sent for collectionreturned unpaid

GENERAL BANKING (Domestic)

A. REMITT ANCES

I. Drafts and TTs

a) Issuance of Drafts and TTs within thenetwork of Askari Bank's Branches

b) Issuance of Demand Drafts drawn on other banks under specialarrangements

c) Cancellation of Demand Draft

d) Issuance of duplicate demand drafts (inlieu of lost)

e) Postage charges

(Through Correspondent Bank)

B. Pay Order

a) Cancellation of Pay Order

b) Issuance of duplicate Pay Order (in lieuof lost)

tu, Banker's Cheque

a) Issuance of Banker's Cheque

b) Cancellation of Banker's Cheque

c) Duplicate Issuance Banker's Cheque

d) Issuance of Banker's Cheque through 1-Net Banking

8

Rs. 550/- flat

i) upto Rs. 1,000,000/- Rs. 100/- for accountholders0.20% Min. Rs. 1,000 fornon-a/c holdersNil for account holders0.20% Min. Rs. 1,500 fornon-a/c holders

ii) Over Rs. 1,000,000/-

i) 0.12% or Minimum Rs. 200/- for account holdersii) 0.20% or Minimum Rs. 1,500/- for non-ale holders

Rs. 300/- (flat)

Rs. 600/- (flat)

No postage charges on DDs

As above or as levied by our Correspondent Bank, whichever ishigher

i) Rs. 100/- (flat) for account holdersii) Rs. 300/- (flat) for non-account holders

i) Rs. 500/- (flat) for account holdersii) Rs. 800/- (flat) for non-account holders

i) NIL for current account holdersii) Rs. 50/- (Flat) for saving / other alc holdersiii) 0.20% (Min. Rs. 1,000/-) for non-account holders

i) Rs. 200/- (Flat) for account holdersii) Rs. 500/- (Flat) for non-account holders

i) Rs. 500/- (Flat) for account holdersii) Rs. 800/- (Flat) for non-account holders

Rs. 500/- (Flat) per instrument

Askari Bank Limited -Ikhlas Islamic Banking Service Schedule of Bank Charges (Exclusive of FED I Sales Tax) effective January I. 2018

Note: i) No charges on Remittances for Current account holdersii) Charges may be reduced or waived by the competent authority depending upon business consideration etciii) Charges on issuance of PO 1 DD 1 BC, any other related instruments for payment offee/dues in favor of

Educational Institution, HEC/Board charges not exceeding 0.5% of the fee/dues or Rs. 251- perinstrument which ever is less (Ref. HO Circular No. 1879 dated 13 August 2009)

IV. Inter Branch On line Withdrawal 1 Deposit

a) Withdrawal upto Rs. 1M

b) Withdrawal over Rs. 1M

c) Deposit

Rs.IOOI- (flat)

0.050% (flat)

Rs. 1001- (flat)

V. Inter Branch On line Transfers

a) Inter-branch Online Transfers Nil

b) Collection Account (companies only)opened with the approval of HeadOffice

As approved by HO on case to case basis.

Note: i) No charge on above online transactions within one city (Rawalpindi/Islamabad is treated as one city)ii) No charges on above online transactions for Current account holdersiii) Charges may be reduced or waived by competent authority depending upon business consideration etc.

B. BILLS

1. Collections

Clean (including cheques) i) Upto Rs. 1,000,0001-

ii) Over Rs. 1,000,0001-

0.15% .... Min Rs. 1001-

0.080% Flat

2. Intercity Collection of ChequesThrough NIFT

Rs. 2001- per item

Notes: a) Collecting agent's charges, if the collecting agent is other than the bank, will be extra.b) Charges ofRs. 65/- for clean collection in case the instrument is returned unpaid.c) Nil charges on Pak Rupee Cheques for Clearing through NIFT within a city (Rawalpindi /

Islamabad is treated as one city)

C. SAFE DEPOSIT LOCKERS

Fee for safe deposit lockers (to be recovered in advance or at the commencement of the period yearly 1 half yearly 1 quarterlyas the case may be)

a) i) Small Rs. 3,0001- p.a.

ii) Medium Rs. 3,5001- p.a.

iii) Large Rs. 5,0001- p.a.

iv) Extra Large XL (16"x 16") Rs. 8,0001- p.a.

Rs. 10,0001- p.a.v) Extra Extra Large XXL (16"x31")

b) Key Deposit Rs. 5,0001- per locker

9

Askari Bank Limited -lkhlas lslamic Banking Service Schedule o(Bank Charges (Exclusive o(FED I Sales Tax) effective January}. 2018

c) Breaking Charges At actual plus Rs. 2,000/- as service charges

d) Late payment charges * Rs. 150/- per month or part thereof, maximum one year annualrent

* Charges thus recovered will be taken into Charity Account

D. UTILITY BILLS (PTCL, WAPDA, SNGPL)

(for details please refer l.C No. IllS & 1527, IBSD/OPS/J/2007 & IBSD/OPS/3/2007 & C.L No. lBSD/OPS/ 14/20 11)

a. Service Charges Rs. 8/- per bill (payable by other utility companies)Rs. 9/- per bill (payable by PTCL company)Nilb. Cheque collection / return charges

E. ALTERNATE DELIVERY CHANNELS

1. Visa Debit Card (Basic & Supplementary)

a. Issuance FeeI. Classic

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

b. Annual/Renewal FeeI. Classic

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

c. Replacementi. Classic

11. GoldRs. 1,000/-Rs. 1,2001-

d. ROC/Voucher Retrieval ChargesI. Local

11. InternationalRs.250/-Rs.500/-

e. Chargeback Processing Fee At Actual

2. ATM Services

a. Service Charges on ATMlDebit Card on Annual basis Rs.600/-

b. Cash Withdrawal Fee

I. From Askari Bank's ATMii. From Independent Service Providers

iii. From I-Link Member Bank's ATMiv. From MNet ATMv. International ATM

FreeRs. 15/- per transactionRs. 15/- per transactionRs. 15/- per transactionRs. 300/- per transaction or 2.5% of transactionamount (whichever is higher)

c. Balance Enquiry Fee

i.ii.Ill.

iv.

From Askari Bank's ATMFrom l-Link Member Bank ATMFrom M-Net Member Bank ATMInternational

FreeRs.2.5/-Rs. 5/-Rs. 150/-

Notes: i) No charges on issuance of VISA Debit Card for Current account holdersii) Charges (excluding 2-b & 2-c above) may be reduced or waived on Savings (PLS) accounts by competent authority depending

upon business consideration etc.

10

Askari Bank Limited -Ikhlas Islamic Banking Service Schedule o(Bank Charges (Exclusive o(FED / Sales Tax) effective January 1.2018

3. PayPak Debit Card (Basic & Supplementary)a. Issuance Fee PayPak Debit Card (Basic & Supplementary)

i. Silverii. Gold

b. Annual Service Fee

i. Silverii. Gold

c. Replacement

I. Silverii. Gold

d. ROCNoucher Retrieval Chargesi. Local

e. Charge back Processing Fee

4. Fund Transfer through ATMI I-NetBanking 1IVR-CalI Center

a.b.

Inter Branch Fund TransferInter Bank Fund Transfer

F. CONSUMER BANKING SERVICES

1. Askari Car Ijarah

a. Processing charges

b. Legal 1 documentation 1valuation 1 income estimation 1repossession charges

c. Premature Termination Charges

2. Askari Home Musharakah

a. Processing Charges

b. Documentation Charges

c. Early Termination Charges

d. Income 1 property valuation 1verification 1 legal charges

11

Rs 500/-Rs. 750/-

Rs 500/-Rs.750/-

Rs 500/-Rs. 750/-

RS.250/-Local Transactions

• Minimum PKR. 250/- or Actual

Free for all Account Holdersi) For Current Account Holders

Rs. 15 Per Transfer up to Rs.l 0,000Rs. 45... Per Transfer from 10,00 I to 250,000Rs. 75 Per Transfer from 250,00 I to 1,000,000

• Rs. 100 Per Transfer from 1,000,001 & aboveii) For profit bearing Account Holders.

Rs 100 Per Transfer up to Rs. 10,000Rs 125 Per Transfer from 10,00 I to 250,000Rs.150 Per Transfer from 250,001 to 1,000,000

• Rs 175 Per Transfer from 1,000,001 & above

Less than Rs. 1.0 M ... Rs.5,000/-Equal to or above Rs. 1.0 M ... Rs.6,500/-

At actual

5% of the outstanding principal amount

Upto Rs. 5.0 M Rs. 5,5001-Upto Rs. 10.0 M Rs. 8,5001-Above Rs. 10.0 M Discretion ofIBSD

At actual

3% of the outstanding principal amount

At actual

Askari Bank Limited -Ikhlas Islamic Banking Service Schedule of Bank Charges (Exclusive of FED / Sales Tax) effective January 1,2018

G. Branchless Banking

I. Branchless Banking

Askari Bank Limited -Ikhlas Islamic Banking Service Schedule of Bank Charges (Exclusive of FED / Sales Tax) effective January I. 2018

U to Rs.I 0001- Rs. 40/- er transaction/- er transactionOver Rs.I 0001- to Rs.2 5001-J=.P~r.!r.a.!.1~!l_c.!iC?f.1_____. . .0/- er transaction__ •__ ••••• __ •__ ••..•••••• _. .,_,. __ M._ .• __ . . _

B:s. 200/- 2er transa~J.iC?f.1 .. . _.Rs. 240/- .Eer trC:l!l~~c.!i.C?f.1..__._._ .. __ ._ ..__ __!3:~·?~q(: P.~r...!.r..a.!.1~~c.!!.C?f.1 .

! Rs. 310/- per transaction

Rs. 440/- per transaction

Rs. 379/- per transaction....... _--_ __ ._._.-..__ _ _ .._._.- _----_ _-_ _-_ _ _ __ _.--~

Over Rs.16,0001- to Rs.20,0001-

I j) Over Rs.20,0001- to Rs.25,0001-.....~ -.------ -.----- --..-.- -.- _ _ _-_._-_.-._-_.._ __.._.___._-- -.-..--.---- ..----.- --- ..-- - ·················-··--···-·····-·---------·-···-1[1 k) Over Rs.25,0001- to RS'~~'~~~~~lL Rs. 500/- per transaction

I) Over Rs.30,0001- to Rs.40,0001- ! i Rs. 560/- per transaction_r~)------O-;;~~·R-~·.·4-0:?~~~-=-~~ ·R7.50~0007~·---------··'-·-rRs. 62·oi~·-pcrt~a~sactio~--- .. ----- - ··-

·---·---+--1------ .....--------·--·--·--..·-·-...----·--·-·--·-;J_~.!!.ndTra'!.~fer_(~IC !Q~_!~): .._.._.._..__ _~ - --- __ __ _

a) U to Rs.I 0001-z ·..· · · ·::..I:.::·:..·:::·::·:..::"c::::·:·: ·:: · :- ..·c·c·:..·,'..· · ·..· -- - · - · -..-) Over Rs.5001- to Rs.I 0001-

.....................................................!

.......L~) QY~E!3:~:},QQQ!~.lo.!3:.S.:.?l.S.gQ!~d Over Rs.~,?_QOI-..!9_Rs.'!....QqQ!~._____e . O\f~~~~,0901- to Rs.6,OOO/~__ _._ _.. __ .

j_D . Qy~r..~...s..:§,QOOI-to Rs.8,0001-.................g) 9y~E!3:.~·~?QQQ!~.!.C?~~.:.I.Q?.QQQ!=_ .

h Over Rs.I 0,0001- to Rs.13,0001- ................................................!................................- !

...........................................................................................................•

······_·_-_······_····_----_·_----_·__·_··__·_·--·1----_ ... _--_ .....•..._..!

--- !... - ---- -- -------- -.--.-.-- -.---.-_.. ········_····1

........................................ ,

;....__ .._ ..._ ...._-_._-.;

. ·---·----i

13

Askari Bank Limited -lkhlas Islamic Banking Service Schedule of Bank Charges (Exclusive of FED / Sales Tax) effective January], 20]8

'21:F~~=t=:~~~;;;;n~~=~=j.................~)gy~r~s.?~?gQ!~t()~~:~~QQ9.!~ .m"~~:.?~!=p~r.!r.~s.~~~i()11 .. .mmm ..1

l~2Qy~r~s.~~QQQ!:!()J3.s.6 000/- Rs. 69/- per transactionl. e) Over Rs.6,000/- to Rs.8 000/- i Rs. 78/- per transaction

..................1 1)..... Over Rs. 8,OO9.!~!() ~.~.:..!g~9.QQ!: ! ...J3..~.:?!!=P.~r.!r.~.s~~!\()I1 .. t g2........ . Q.y..~E..~.~: !.9..~..9.Q.Q!~!9. ~.~.' ~..~.~.Q.Q9!.~ .1. ..~.~.: ~ . .Q.~.!..: P.~E..!~~~.~.~.~.!}.~.~.

h) Over Rs.13,0001- to Rs.16,000/- Rs. 112/- per transaction···Ti)O~e~Rs:i6:000/- to Rs.20,000/- Rs. 134/- per transaction

j) Over Rs.20, OOQ!=t.()J3.s:~??QQQ!~mi.J3.~:l~~!~p~r!~~~~~.t.:.:i ...o:..:n:.:............................................................................................................................;k) Over Rs.25,000/- to Rs.30,000/- ..................................................................I~~:12?!~P~E!r.~~~~!i()11

~....T)2Qy.~ij3:~;30:oo6j~toRs:40:o66j~ Rs, 233/- per transaction. m) Over Rs.40,000/- to Rs.50,000/- i Rs. 267/- per transaction

Direct Deposit in BLB Agent account through AC

l.....

from AKBL branchesNote: No charges on On-Line Cash Deposit for customers maintaining account with Branchless Banking,

H. MISCELLANEOUS CHARGES

I. Stop payment of cheques Rs. 500/- per instruction

2. Duplicate statement of account(No Charges for pensioner account)

Rs. 35/- (flat)

3. Duplicate party advice charges Rs. 50/- per advice

4. Confirmation of balance to Auditors/any other certificate(No Charges for pensioner account)

Rs. 300/- (flat)

5. Issuance of cheque book Rs. 7/- per leaf (FED applicable in provinces of Punjab,Balochistan & KPK only)

Rs. 300/- plus Rs. 7/- per leaf (FED is applicable in provinces ofPunjab, Balochistan & KPK only)

6. Re-issuance of cheque book againstForm B

7. Cheques returned unpaid in clearing i) Inward: Rs. 400/- per cheque from issuer

ii) Outward: Rs. 50/- per cheque or available balance below Rs50/- (FED is applicable in provinces of Punjab, Balochistan,Sindh & KPK only)

Nil8. Account Closing Charges

(No Charges for pensioner account)

9. Issuance of SBP cheque on behalfof customer other than banks andfinancial institutions

Rs. 425/- (flat)

10. Charges to be recovered fromEmployer Account in case oftransfer of salary to the EmployeeAccount

Rs. 30/- flat per credit (Except defense & Govt. Employees) or asapproved by the competent authority

1I. Collection of School fee/any otherperiodical subscription amount etc,

Nil

12. Photocopy of Bank Record provided toCustomer

i)ii)

Rs.IIO/- (flat) for record upto one yearRs.550/- (flat) for record over one year

13. Obtaining eCIB report

14. Obtaining Credit Report from ForeignBank / Agency

15. Same day clearance of instrument

At actual (Rs. 50/-) per report

At actual

Rs.300/-14

Askari Bank Limited -Ikhlas Islamic Banking Service Schedule of Bank Charges (Exclusive of FED / Sales Taxi effective January I, 2018

16. Issuance of Call Deposit Receipt (COR)

17. Issuance of duplicate TOR/COR

Rs.750/- from non-Askari Bank (Walk-in Customers)

18. Test Verification from other Banks

Rs.320/-

Rs,375/-

19. Standing Instructions Rs. 215/- per execution will be recovered in addition to the usualcharges

20. SMS charge Rs. 30/- per month

Notes: i) 0 charges against Sr. # 5 & 7 (ii) above for Current account holdersii) Charges against Sr. # 5 & 7 (ii) above may be reduced or waived by the competent authority depending upon business

consideration etc.

NIL CHARGES:

(Other than Import, Export, Local LC & Guarantee Business)

These are our standard charges and relaxations 1concessions, if any may be referred to the competent authority for approvalon a case-to-case basis, based on present business volume 1 relationship &/or future business prospects 1 considerations,except out of pocket expenses and correspondent bank charges,

On all banking transactions, commission 1charges including cheque books within reasonable amount with the approval ofcompetent authority. In case of availing Locker facility 50% of the rent amount with no key deposit.

l. ISLAMIC FINANCING

Following charges will be recovered in addition to profit on investment

a) Miscellaneous charges(i.e. charges for documents,evaluation of security &maintenance thereof etc.)

Actual

b) Service charges on processing ofcredit proposal (upfront) *i) Upto Rs. 25M 0.10% min Rs.5,000/-

ii) Over Rs. 25M 0.050% (OR as approved by the competent authority)

* Other than credit proposals of Trade Based modes, i.e. Murabaha, Musawamah & Salam (Ref. AAOIFI Shariah Standard)

c) OTT Charges againstFunded/Non-Funded facilities *i) Upto Rs.5Mii) Over Rs.5M to Rs. 10Miii) Over Rs.l OM to Rs.25Miv) Over Rs.25M to Rs.50Mv) Over Rs.50M

Rs. 1,0001- each caseRs. 2,0001- each caseRs. 3,0001- each caseRs. 4,0001- each caseRs. 5,0001- each case

* Other than credit proposals of Trade Based modes, i.e. Murabaha, Musawamah & Sa/am (Ref. AAOIFI Shariah Standard)

d) Change of Security Documents Rs. 3,000/- (flat) per request

Rs. 1,300/- (flat) per requeste) Release of Security Documents

t) Project examination fee

15

Askari Bank Limited -Ikhlas Islamic Banking Service Schedule of Bank Charges (Exclusive of FED / Sales Taxi effective January 1,2018

g) Issuance ofNOC for CreditFacilities from other banks

h. Advances against pledge 1 hypothecation

i) Godown rent

ii) Godown Staff Salaries (God ownKeepers / Chowkidars)

iii) Godown Inspection Charges

I) Within Municipal Limits or within aradius of 8 KM from the branch

2) Outside the above limits

iv) Delivery charges if a GodownKeeper is not posted, Conveyancecharges will be recovered

v) Other incidental expenses Insurance(Takaful) premium, Legal charges etc.

vi) Issuance of Delivery Order againstpledge

upfront (wherever applicable)(OR subject to negotiation and approval from thecompetent authority)

Upto Rs. 10,0001- or as per approvalNote: Charges may be reduced from Rs. 10,0001-To Rs. 5,0001- by competent authority

Actual

Actual

Actual conveyance plus other charges

i) Upto Rs. ID M Rs. 1,075/-ii) Above Rs. 10 M Rs. 2,2001-

TA & DA as per rules plus above charges

Actual

Actual

Rs. 5501- per delivery order

Note: i) While recovering the Miscellaneous charges like Godown staff salary, inspection charges etc; the amountrecovered from the customers wi 11not exceed the total rent of the god own, salary of the godown staff etc.In other words, Miscellaneous charges will be levied as per actual.

ii) Security Documentation related charges (where applicable) primarily remain recoverable separately.

iii) In case of corporate customers and syndicated facilities, charges may vary as per terms of approval.

iv) These are our standard charges and relaxations / concessions, if any may be referred to the competentauthority for approval on a case-to-case basis, based on present business volume / relationship &/or futurebusiness prospects / considerations, except out of pocket expenses.

J. Settlement of 3rd party fund transfer through PRISM

.m. to 5:00 p.m I Rs.2001- I Rs.201-ank Funds Transfer) I !

I Monday to Friday , ~~~Oppi~:~~~J~~f'~6::-ring--r~-:------r:;:--

~ :__:__ LB:~l~!ns)---------------------l---------~------j.--.--------.-_. ....__. ;: Settlement TImings for Customer Transfers (MT103) i

l(y~T I3:?:1_Iy!..~~9~~2Y~) j .__ _ ,T·?:QQ~:i!i:f():i:~Qp.:i!i: Rs.2001-. Monday to Friday ~J}-QI2.:l!l:~~-~:9.9.P:l!l:----I3:~l.9.9.I:- ,,+=::=.:.~:.:::.: --.

L . D....:.Q9.P:!!I...:....!S>.j:9...Qp ...J:l1 -'_._R_._s_._5_0_0_1_-__ ".,_. ....__.__._.. .._ _

N/A

16

Askari Bank Limited -Ikhlas Islamic Banking Service Schedule of Bank Charges (Exclusive of FED / Sales Taxi effective January], 20]8

Settlement Timings for Customer Transfers (MT102)!(Lower value limit for each credit transfer is Rs.1 00,000/-, max. 10

payment instructions are allowed to be sent through one MTI 02).Charges for each Payment Instruction within a single MTI 02 are asfollows

Monday to Friday 9:00 a.m. to 4:30 p.m. Rs.25/- per , Rs.25/- per Rs.50/- per paymentpayment ! payment InstructionInstruction I Instruction

Note: Islamic Banking Branches to obtain prior approval of Islamic Treasury Desk after 1:00 p.m. for above transactions

K. Postal/Telegram / Telephone / SWIFT / Telex / Fax & Courier Charges (Domestic)

1. Correspondent Charges Actual

2. Courier Service Rs. 150/- flat

3. SWIFT/Telex/Cable charges

a. Long message (e.g. full text LlC etc.)

b. Short message (e.g. LlC amendment)

c. SWIFT/Telex/Telegram chargesor message for T.T.

Rs. 425/- flat

Rs. 225/- flat

Rs. \\ 0/- flat

4. Telephone & Fax charges Actual plus Rs. \35/- service charges

5. Postages Rs, 150/- flat

.- ------------------------.-

17

----- ------ ------

Letter of Credit

Askari Bank Limited -lkhlas Islamic Banking Services Schedule of Bank Charges (Exclusive of FED ISales Tax) effective January 01,2018

Annexure A(Amt. in PKR)

UC AMOUNT RANGE

FROM TO500,000

1st Quarter or Part

84,600

Subsequent Quarters or part

thereof thereof

1,700 850500,001

2,900 1,450750,000 2,200 1,100

750,001 1,000,0001,000,001 1,500,000 4,100 2,050

7,900 3,9501,500,001 2,000,000 6,100 3,050

9,700 4,8502,000,001 2,500,000

11,500 5,7502,500,001 3,000,0003,000,001

13,300 6,6503,500,000

3,500,001 4,000,0004,000,001 4,500,000 15,100 7,550

9,3504,500,001 5,000,000 16,800 8,4005,000,001

20,400 10,2005,500,000 18,700

5,500,001 6,000,0006,000,001 6,500,000 22,200 11,100

25,800 12,9006,500,001 7,000,000 24,000 12,000

27,600 13,8007,000,001 7,500,000

8,000,001 29,300 14,6507,500,001 8,000,000

8,500,0008,500,001 9,000,000 31,200 15,6009,000,001 9,500,000 32,900 16,450

40,100 20,0509,500,001 10,000,000 34,700 17,350

49,000 24,50010,000,001 12,500,000

57,900 28,95012,500,001 15,000,000

69,200 34,60015,000,001 17,500,000

75,800 37,90017,500,001 20,000,000

84,700 42,35020,000,001 22,500,000

87,700 43,85022,500,001 25,000,000

92,700 46,35025,000,001 27,500,000

30,000,001 100,200 50,10027,500,001 30,000,000

32,500,00032,500,001 35,000,000 107,600 53,80035,000,001 37,500,000 115,100 57,550

130,000 65,00037,500,001 40,000,000 122,500 61,250

137,300 68,65040,000,001 42,500,000

144,800 72,40042,500,001 45,000,000

151,400 75,70045,000,001 47,500,000

50,000,001 157,300 78,65047,500,001 50,000,000

52,500,00155,000,001

52,500,00055,000,00057,500,000

163,300 81,650169,200

Cont'd .. ,P/2

Askari Bank Limited -Ikhlas Islamic Banking Services Schedule o[Bank Charges (Exclusive o[FED / Sales Tax) effective January 0I, 2018

Annexure A

1st Quarter or Part Subsequent Quarters or part(Amt. in PKR)

UC AMOUNT RANGE

FROM TO57,500,001 60,000,000

thereof thereof

90,350174,700 87,350

60,000,001 62,500,000 180,70062,500,001 65,000,000 187,100 93,55065,000,001 67,500,000 193,100 96,55067,500,001 70,000,000 199,000 99,50070,000,001 72,500,000 205,000 102,50072,500,001 75,000,000 210,900 105,45075,000,001 77,500,000 216,900 108,45077,500,001 80,000,000 222,800 111,40080,000,001 82,500,000 228,800 114,40082,500,001 85,000,000 234,700 117,35085,000,001 87,500,000 240,700 120,35087,500,001 90,000,000 246,600 123,30090,000,001 92,500,000 252,600 126,30092,500,001 95,000,000 258,500 129,25095,000,00197,500,001

97,500,000100,000,000

264,500270,400

132,250135,200

Charges may be reduced by competent authority depending upon business reciprocity for thewhole year, subject to written undertaking by the customer.

2 Charges relating to corporate customer may differ as per the arrangement between thecustomer and the Bank.

3 Rebates for customers other than corporate, may be allowed subject to prior approval of IBSD,based on annual business volumes as follows:

Transactions of Rs. 20-30 million 20%of the chargesTransactions of Rs. 30-50 million 30%of the chargesTransactions of Rs. 50-75 million 40%of the chargesTransactions of Rs. 75-100 million 50%of the chargesTransactions of Rs. 100 M & above - As per arrangement with customer

Askari Bank Limited - Ikhlas Islamic Banking Services Schedule of Bank Charges (Exclusive of FED I Sales Tax) effective January 0 I 2018

Annexure - B

Acceptance of Bills under Usance Letter of Credit

(Amt. in PKR)Acceptance Amount Range

FROM TO500,000

Per Month Charges

or part thereof700

500,0011,200

750,000 900750,001 1,000,000

1,000,001 1,500,000 1,600

2,8001,500,001 2,000,000 2,200

3,4002,000,001 2,500,000

4,0002,500,001 3,000,000

4,6003,000,001 3,500,000

5,2003,500,001 4,000,000

6,4004,000,001 4,500,000

7,0004,500,001 5,000,0005,000,001

7,6005,500,000

5,500,001 6,000,0006,000,001 6,500,000 8,200

7,000,001 9,4006,500,001 7,000,000 8,800

7,500,0007,500,001 8,000,000 10,0008,000,001 8,500,000 10,600

11,7008,500,001 9,000,000 11,200

13,5009,000,001 9,500,0009,500,001 10,000,000

19,50010,000,001 12,500,000 16,500

22,50012,500,001 15,000,000

25,40015,000,001 17,500,000

28,40017,500,001 20,000,000

31,40020,000,001 22,500,000

34,40022,500,001 25,000,000

37,30025,000,001 27,500,00027,500,001 30,000,000

43,30030,000,001 32,500,000 40,300

46,30032,500,001 35,000,00035,000,001 37,500,000

52,20037,500,001 40,000,000 49,200

55,20040,000,001 42,500,000

58,20042,500,001 45,000,000

61,20045,000,001 47,500,000

50,000,001 64,10047,500,001 50,000,000

52,500,00052,500,001 55,000,000 67,10055,000,001 57,500,000 70,10057,500,001

76,00060,000,00162,500,001

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

73,100

79,000

Cont'd ... P/2

Askari Bank Limited -Ikhlas Islamic Banking Services Schedule of Bank Charges (Exclusive of FED / Sales Taxi effective January 01 2018

Annexure - B

Acceptance Amount Range

FROM TO

(Amt. in PKR)

67,500,001 70,000,00082,00065,000,001 67,500,000

Per Month Charges

or part thereof

70,000,00185,000

72,500,000 87,90072,500,001 75,000,000 90,90075,000,001 77,500,000 93,90077,500,001 80,000,000 96,90080,000,001 82,500,000 99,80082,500,001 85,000,000 102,80085,000,001 87,500,000 105,80087,500,001 90,000,000 108,80090,000,001 92,500,000 111,70092,500,001 95,000,000 114,70095,000,001 97,500,000 117,70097,500,001 100,000,000 120,700

Charges may be reduced by competent authority depending upon business reciprocityfor the whole year, subject to written undertaking by the customer.

2 Charges relating to corporate customer may differ as per arrangement between thecustomer and the bank.

3 Rebates for customers other than corporate, may be allowed subject to prior approval ofIBSD, based on annual business volumes as follows:

Transactions of Rs. 20 - 30 M 20% of the chargesTransactions of Rs. 30 - 50 M 30% of the chargesTransactions of Rs. 50 - 75 M 40% of the chargesTransactions of Rs. 75 - 100 M 50% of the chargesTransactions of Rs. 100 M & above - As per arrangement with customer

Askari Bank Limited -Ikhlas Islamic Banking Services Schedule of Bank Charges (Exclusive of FED I Sales Tax) effective January 0 I, 2018

LETTER OF GUARANTEES

Annexure C(Amt. in PKR)

GUARANTEE AMOUNT RANGEFROM TO

1st Quarter or Part thereof Subsequent Quarters or part thereof

205,200

2,200 1,100500,001

500,0001,000,000 3,800 1,900

1,000,001 1,500,000 5,700 2,8501,500,001 2,000,000 8,100 4,0502,000,001 2,500,000 10,300 5,1502,500,001 3,000,000 12,600 6,3003,000,001 3,500,000 14,700 7,3503,500,001 4,000,000 17,000 8,5004,000,001 4,500,000 19,200 9,6004,500,001 5,000,000 21,400 10,7005,000,001 5,500,000 23,500 11,7505,500,001 6,000,000 25,200 12,6006,000,001 6,500,000 26,900 13,4506,500,001 7,000,000 28,400 14,2007,000,001 7,500,000 30,000 15,0007,500,001 8,000,000 31,300 15,6508,000,001 8,500,000 32,600 16,3008,500,001 9,000,000 33,800 16,9009,000,001 9,500,000 34,800 17,4009,500,001 10,000,000 35,900 17,950

10,000,001 12,500,000 39,500 19,75012,500,001 15,000,000 48,200 24,10015,000,001 17,500,000 57,000 28,50017,500,001 20,000,000 65,700 32,85020,000,001 22,500,000 74,400 37,20022,500,001 25,000,000 83,100 41,55025,000,001 27,500,000 91,600 45,80027,500,001 30,000,000 100,300 50,15030,000,001 32,500,000 109,000 54,50032,500,001 35,000,000 117,600 58,80035,000,001 37,500,000 126,200 63,10037,500,001 40,000,000 134,000 67,00040,000,001 42,500,000 141,600 70,80042,500,001 45,000,000 149,100 74,55045,000,001 47,500,000 156,600 78,30047,500,001 50,000,000 163,900 81,95050,000,001 52,500,000 171,200 85,60052,500,001 55,000,000 178,200 89,10055,000,001 57,500,000 185,100 92,55057,500,00160,000,00162,500,001

60,000,000 192,000 96,00099,350

102,60062,500,000 198,70065,000,000

Cont'd,.,P/2

Askari Bank Limited - Ikhlas Islamic Banking Services Schedule o(Bank Charges (Exclusive o(FED / Sales Taxi effective January al. 2018

Annexure C(Amt. in PKR)

GUARANTEE AMOUNT RANGEFROM TO65,000,001

1st Quarter or Part thereof

142,550

Subsequent Quarters or part thereof

285,100

67,500,000 211,700 105,85067,500,001 70,000,000 218,100 109,05070,000,001 224,400 112,20072,500,00072,500,001 230,400 115,20075,000,00075,000,001 236,400 118,20077,500,00077,500,001 242,300 121,15080,000,00080,000,001 248,100 124,05082,500,00082,500,001 85,000,000 253,700 126,85085,000,001 259,200 129,60087,500,00087,500,001 264,600 132,30090,000,00090,000,001 270,000 135,00092,500,00092,500,00195,000,00197,500,001

275,100 137,55095,000,000280,100 140,05097,500,000

100,000,000

Charges may be reduced by competent authority depending upon business reciprocity for thewhole year, subject to written undertaking by the customer.

2 Charges relating to corporate customer may differ as per the arrangement between thecustomer and the bank

3 Rebates for customers other than corporate, may be allowed subject to prior approval of IBSD,based on annual business volumes as follows:

Transactions of Rs. 20-30 million 20%of the chargesTransactions of Rs. 30-50 million 30%of the chargesTransactions of Rs. 50-75 million 40%of the chargesTransactions of Rs. 75-100 million 50%of the chargesTransactions of Rs. 100 M & above - As per arrangement with customer

Schedule of Bank Charges - Islamic Banking Services, effective January 01, 2018 Annexure -I

Sr. No. I Pg Description in sac Clarification of Competent AuthorityNo.

Trade Finance> Imports> Letter of Credit

A. 1. f. i) 3 i) 55% of applicable slab given In Annexure A - i) 55% of applicable slab given in Annexure A - MinimumMinimum Rs. 1,0001-

Rs. 1,0001- (OR subject to negotiation and approval from Country Head -(OR subject to negotiation and approval from the IBSO)

competentauthority)

A. 2. d. 4 i) 0.15% flat - Minimum Rs. 1,5001- i) 0.15% flat - Minimum Rs. 1,5001-(OR Subject to negotiation and approval from the (OR Subject to negotiation and approval from Country Head -competent authority) IBSO)

Trade Finance> Exports> Bills

B. 2. b) 4 0.13%, Minimum Rs. 1,0001- ( OR subject to 0.13%, Minimum Rs. 1,0001- ( OR subject to negotiation andnegotiation and approval from the competent approval from Country Head - IBSO)authority)

Trade Finance> Domestic Banking> Inland Letters of Credit

C. 1. a. ii) 5 For annual volume of RS.50MlPublic Sector For annual volume of RS.50MlPublic Sector Organization!Organizationl Government! Semi-Government Government/Semi-Government Sponsored Bodies, commissionSponsored Bodies, commission subject to negotiation subject to negotiation and approval from Regional Generaland approval from the competent authority. Manager I Country Head - IBSO.

Trade Finance> Domestic Banking> Guarantees

C.3 6 Charges against guarantees on behalf of Charges against guarantees on behalf of correspondent bankscorrespondent banks subject to approval from [NO subject to approval from [NO and charges on guarantees issuedand charges on guarantees issued under synd icated under syndicated arrangements, subject to negotiation andarrangements, subject to negotiation and approval approval from Country Head - IBSO.from the competent authority.

General Banking (Domestic) > Remittances

A. Ill. Note. ii) 8 Charges may be reduced or waived by competent Charges may be reduced or waived by Area Managerl Regionalauthority depending upon business consideration etc. General Manager depending upon business consideration etc.

A. rV.Note. iii) 9 Charges may be reduced or waived by competent Charges may be reduced or waived by Area Manager I Regionalauthority depending upon business consideration etc. General Manager depending upon business consideration etc.

Alternate Delivery Channels

E.2 Note. ii) 10 Charges (excluding 2-b above) on Savings (PLS) Charges (excluding 2-b above) on Savings (PLS) accounts mayaccounts may be reduced or waived by competent be reduced or waived by Area Managers I Regional Generalauthority depending upon business consideration etc. Manager depending upon business considerations etc.

Miscellaneous Charges

H.IO 14 Rs. 301- flat per credit (Except defense & Govt. Rs. 301- flat per credit (Except defense & Govt. Employees) orEmployees) or as approved by the competent as approved by the Area Manager I Regional General Managerauthority.

H. ote. ii) 15 Charges against Sr. # 5 & 8 (ii) above may be reducedor waived by the competent authority depending uponbusiness consideration etc.

Charges against Sr. # 5 & 8 (ii) above may be reduced or waivedby the Area Manager 1 Regional General Manager dependingupon business consideration etc.

H.Nil Charges 15 These are our standard charges and relaxations /concessions, if any may be referred to the competentauthority for approval on a case-to-case basis, basedon present business volume / relationship &/or futurebusiness prospects / considerations, except out ofpocket expenses and correspondent bank charges.

These are our standard charges and relaxations / concessions, ifany may be referred to Country Head - IBSD for approval on acase-to-case basis, based on present business volume /relationship &/or future business prospects / considerations,except out of pocket expenses and correspondent bank charges.

H. Staff Note Staff: On all banking transactions,commission/charges including cheque books withinreasonable amount with the approval of competentauthority. In case of availing Locker facility 50% ofthe rent amount with no key deposit.

Staff: On all banking transactions, commission/chargesincluding cheque books within reasonable amount with theapproval of Area Manager. In case of availing Locker facility50% of the rent amount with no key deposit.

15

Islamic Financing

I. b. ii) 0.050% (OR as approved by Country Head - IBSD)15 0.050% (OR as approved by the competentauthority)

I.f) 15 0.75% the proposed exposure subject to 50% payableupfront. (Wherever applicable).(OR subject to negotiation and approval from thecompetent authority)

0.75% the proposed exposure subject to 50% payable upfront.(Wherever applicable).(OR subject to negotiation and approval from Country Head -IBSD)

I. g) 16 Upto Rs. 10.000/- or as per approvalNote: Charges may be reduced from Rs. 10,000/- to5,000/- by the competent authority.

Upto Rs. 10,000/- or as per approvalNote: Charges may be reduced from Rs. 10,0001- to 5,000/- byCountry Head - IBSD

I. Note. iv) These are our standard charges and relaxations /concessions. if any may be referred to the competentauthority for approval on a case-to-case basis, basedon present business volume / relationship &/or futurebusiness prospects / considerations, except out ofpocket expenses.

16 These are our standard charges and relaxations / concessions, ifany may be referred to Country Head - IBSD for approval on acase-to-case basis, based on present business volume /relationship &/or future business prospects 1 considerations,except out of pocket expenses.