Rs. 350/-Rs. 350/- per transaction or 1% oftransaction amount (whichever is higher)

( for Basic & Supplementry Cards excluding Platinum Card)

Up to Rs. 50/- per monthSMS Alert Fee

Foreign Transaction Charges Up to 3.5% of the transaction amountUp to Rs. 50/- per transaction

Free

Rs. 500/-Card Replacement Fee - Silver and GoldRs. 1,000/-Card Replacement Fee - Platinum

United Bank Limited

Effective 1st January 2015

(Optional) 0.79%

Schedule of ChargesUBL Credit Cards

(with basic ATM withdrawal insurance coverage)Silver: Rs. 2,000/-, Gold: Rs. 4,000/-Platinum: Rs. 6,000/-

Rs. 1,250/-Rs.1,200/-

Basic: Silver Rs. 500/-, Gold: Rs. 750/-Platinum: Rs. 1,000/-Supplementary: Silver Rs. 250/-,Gold: Rs. 375/- Platinum: Rs. 500/-

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

Value added ATM withdrawal insurance Fee Rs. 1,000/- per annumUp to 41%

Up to 30%

Silver: Rs. 500/-, Gold: Rs. 750/-

Up to 41%

5

2,603.40/-

1,000

1,000

July 20, 2015

July 01, 2015

UBL Airport Lounge Charges (Karachi Airport)*Exceptions apply for Gold & Platinum Customers

Rs. 1000/-*

Shapes visit charges (for Platinum credit cards only) Rs. 1000/-. Primary customers: Charges applicable from 13th visit onwards in a month. Supplementary customers: Charges applicable from 5th visit onwards in a month

July 08, 2015

July 01, 2015

July 02, 2015

July 03, 2015

July 20, 2015

JULY 08, 2015

6.66/-

11.33/-

2,511.33/-

Rs. 11.33 = Rs. 488.67/-

8.00/-

92.23/-

6.47/-1,000

Mark-up paid for the period x 360 x 100Outstanding Principal Amount No. of days

APR (Annualized Percentage Rate) =

39.99% 1,000

1,000

1,000

488.67