About UBL: United Limited is the second largest private in . UBL has assets of over Rs. 1 trillion and a solid track record of fifty years in addition, the bank operates 1281 branches all over Pakistan Which including 22 Islamic banking branches and 18 overseas branches. UBL opened up for business on November 7, 1959 with authorized capital of Rs.20 million and Paid-up capital of Rs.10 million. In its very first year, it mobilized deposits of Rs.70 million and earned a profit of Rs.O.7 million. It continued to grow rapidly and soon became one of the largest in the country. The main logic for its exemplary growth were the introduction, in many instances for the first time in Pakistan, of professional management, computers, economic and business research, customer orientation and latest managerial practices.

UBL is a commercial bank which deals in consumer’s services. In the main, it focuses on accelerated loan recovery, surplus asset disposal, improving credit systems, operational controls, monitoring and reporting. From a practical standpoint, the use of better technology, focusing on the appropriate market segment, and project and specialized finance will facilitate rapid and sustainable growth.

Brief History Of UBL:

Agha Hasan Abedi founded this bank in 1959.UBL has a long history in the UAE and is the second foreign bank to open its branch in Abu Dhabi, UAE in July 1967.UBL has presence in major centers, which include Pakistan, UAE, , , , USA, UK, Switzerland, , Egypt and .

In 2002, the sold it in an open auction to a consortium of Abu Dhabi Group and Bestway Group. In 2002 it merged its operations in the UK with those belonging to National Bank of Pakistan to form United , of which it owns 55%, with National Bank of Pakistan owning the remainder.

UBL remained in the private sector for 15 years until it was nationalized on January 1, 1974 with other Pakistani banks. In 1996, its deposits totaled Rs.105.9 billion; advances amounted to Rs.68.6 billion; assets totaled Rs.177 billion and the number of branches was 1701, including 17 overseas branches. Nowadays UBL Deposits is over Rs. 1 trillion and a solid track record of fifty years in

addition, the bank operates 1281 branches all over Pakistan Which including 22 Islamic banking branches and 18 overseas branches.

Competitors Of UBL

Limited

 National Bank of Pakistan

 Askari Commercial Bank Limited  Muslim Commercial Bank  Limited  Limited  Bank Islami Pakistan Limited  Standard Chartered Bank  Bank-al-Habib Limited  My Bank (Bolan bank) 

Vision of UBL

To be a world class bank dedicated to excellent, and to surpass the highest explanations of our customers and all other stakeholders.

Mission of UBL

 Be the undisputed leader in for our customers.  Most innovative and fastest growing bank in targeted businesses.

 Continue to diversify across chosen geographies.  To Achieve Operational excellence with the highest level of compliance.  To consistently create leaders though inspired human capital.  Contribute positively to the communities we operate in.

Core Values of UBL

 Customer first (Where You come First)  Honesty of purpose  Teamwork  Excellence  Meritocracy

UBL Products

UBL where you come first: You as an individual can gain and benefit the most through UBL Consumer Banking. In UBL you get friendly, efficient and attentive personalized banking services - a unique banking relationship experienced by each UBL client. You can utilize the following services.

 UBL Welcome to the world of UBL Credit Cards the most exciting and vibrant credit card brand in Pakistan. We offer you a range of innovative and exciting cards that is not only powered by the security of chip but also enable you to personalize it any way you want. UBL is offering credit card to those customers which have run their account for more than 1 year with good transections or a government employee of salary of over Rs 50,000. UBL also allow credit card to their employees with a better Ratios.  UBL DRIVE Accelerate your life; Drive the way that suits you! UBL Drive is a unique auto financing product which offers you features, option and flexibility unmatched by any other bank, because at UBL, You come first Below 1000 CC: 8 years (financing can be for a max of 5 years) 1000 CC and above: 10 years (financing can be for a max of 5 years)

 UBL NEW CAR FINANCING UBL Drive allows you to drive away in your own car by making a down payment of just 20% and to top that with low monthly installments. Floating Rates is linked with KIBOR. Min tenure of 1 year and a Max of 5 years.  UBL USE CAR FINANCING With UBL Drive you can buy favorite used car (up to 5 years old) at the most affordable rates. Min tenure of 1 year and a Max of 5 years but in some cases Max 7 years.  CASH YOUR CAR UBL Drive is not a car loan; its financing facility that gives you Cash on your car, you can get up to 75% of your car value  UBL ADDRESS Owning a house of your very own is a cherished dream. A lot of planning and hard work is involved in making this dream come true. That is why, at UBL we aim to make your decision easier, by offering you the right ingredients that can help you realize your dream with absolute convenience. UBL Address empowers you to become the proud owner of a home by offering a variety of product and pricing options that are flexible yet affordable. So choose the best product option and pricing to suit your needs. All product options are amortized and range over a tenor of 3-20 years.  BUY A HOME UBL giving a great opportunity to buy a home of your choice has never been so easy. With a maximum financing limit of 70% you can easily buy a house or apartment that best fits your requirements. So go ahead and start the search for your dream home because with easy and affordable installments you need not think of renting a house when you have hot UBL Address. Eligibility Criteria for UBL ADDRESS Min monthly income Rs.50,000 Age 23-65 years Resident Pakistani Self-employed businessman or salaries individual Min loan Rs.500,000  UBL Business line UBL Business line a complete solution to all your Business Financing needs. With UBL Business Financing facility, you can now take your business to greater and newer heights, and achieve the level of success that you truly deserve. UBL Business line is a running

Finance facility that not only provides funds for growth but also enables you to capitalize on profitable opportunities. With UBL Business line, now you will surely say. “Ab Hui Kamiyaabi Meri Manzill”. Now, UBL Business line credit line is here to solve all your cash flow problems. You can utilize up to Rs.10 million with the help of which you now focus on your business expansion and growth  UBL Cash line UBL Cash line is a flexible loan that provides you cash up to Rs.500,000 without any security requirements. It empowers you to take control of your finance. UBL Cash line is aimed to make your life easier…ZINDAGEE ASAAN. Whether you are a salaried individual or a businessman, UBL Cash line takes care of your cash requirements  UBL Money UBL money, the personal installment loan from UBL provides you with power, Control convenience and the flexibility to manage your financial requirements and realize on your dreams. It’s about buying new furniture or marriage expenses, financing the education of your child or enjoying vacations abroad! UBL Money caters your needs handsomely. You can borrow any sum between 50,000 to 500,000 (PKR) and payoff up till 5 years. We know what you need at what time. Just give us the opportunity and let us serve you best. Now we are taking about UBL Credit Card in detail.

UBL CREDIT CARD Welcome to the world of UBL Credit Cards the most exciting and vibrant credit card brand in Pakistan. We offer you a range of innovative and exciting cards that is not only powered by the security of chip but also enable you to personalize it any way you want. UBL is offering credit card to those customers which have run their account for more than 1 year with good transections or a government employee of salary of over Rs 50,000. UBL also allow credit card to their employees with a better Ratios. Pakistan’s 1st Chip Credit Card that guarantees you both enjoyment and high value. It assures you global acceptability in more than 22 million establishments worldwide in 130 countries and in more than 25,000 outlets within Pakistan. CHIP based credit cards have globally proven to be the most secure way of conducting credit card transactions. This unique high tech CHIP guarantees your financial security while conducting transactions on credit cards, both within Pakistan and around the world. UBL PSO Auto Credit Card Welcome to a whole new world of UBL Credit Cards the most vibrant, innovative and exciting credit card brand in Pakistan. With the introduction of UBL PSO Auto Credit Card, there is no limit to what your credit card can do for you.

Amongst its many exciting and unique features, your UBL PSO Credit Card provides access to more than 22 million establishments worldwide including more than 22,000 retail outlets including selected PSO stations within Pakistan, and above 780,000 ATM’s for cash withdrawal worldwide. Your UBL PSO Credit Card offers you a host of unique features and exceptional benefits which makes it the most rewarding card in town. Every time you buy fuel on your UBL PSO Credit Card you get cash back rewards.

5% cash back is applicable if the PSO UBL Auto Credit is swiped at PSO Service Stations only. (5% cash back will be subject to a maximum of Rs.1,250/- per customer per month.) 1% cash back is applicable if the PSO UBL Auto Credit Card is swiped at other fuel stations. (1% cash back will be subject to a maximum of Rs. 1,000/- per customer per month.) UBL VISA Silver Credit Card The UBL Silver Credit Card brings you the convenience and financial flexibility you need. The Silver Card is a truly international Credit Card offering unmatched features and benefits and complete peace of mind. UBL VISA Gold Credit Card The UBL Gold Credit Card is specially designed for you, your exclusive life style and your special needs. As a Gold Credit Card member you enjoy a higher Credit Limit throughout the world. UBL Platinum Visa Credit Card UBL Platinum Visa Credit Card is designed to guarantee the utmost level of services coupled with unmatched rewards and benefits to you lifestyles. With the Platinum Card, there is no limit to what your Credit Card can now do for you! When you spend on your UBL Platinum Credit Card anywhere in the world, you are awarded with Airmiles Reward Points. For every Rs 50/- spent locally, you are awarded one reward point and for every Rs 50/- equivalent spent internationally, you are awarded three reward points. Simply contact the 24hr Platinum Customer Assistance Centre at 0800-55825 to redeem Airmiles Points. While redeeming your Airmiles Reward points for travelling and lodging services , you have the following options. Redeem the entire Airmiles Reward Points earned to purchase air tickets.Use your accumulated Airmiles Reward Points for part of the purchase and pay the balance amount through your UBL Platinum Credit Card.

Features and Benefits of UBL Credit Card Your UBL Credit Card's exciting and value added features will change your life in a manner which will ensure that you constantly enjoy living it.

Supplementary Cards To share the value, excitement and benefits of your UBL Credit Card with your loved ones, your UBL Credit Card offers you up to 6 supplementary cards. Anyone with minimum age of 14 years can be your supplementary cardholder. For your convenience, both your own, and the supplementary card transactions will be clearly itemized in your monthly statement. This will let you know at a glance how the spending took place and who spent how much, hence making it easier to manage the spending on each of your cards. The more spending there is on your supplementary cards, the more Free Roadmiles or Classic Reward points are earned on your account. The limit on all supplementary cards can be controlled according to your instructions at the time of application, or later by a simple phone call to UBL's 24-hour 'UBL Contact Center' at 111- 825-888.To apply for a supplementary card now, please fill in the supplementary card application form and mail it to the UBL Card Center along with photocopy of your and your supplementary cardholder beneficiary’s CNIC. 24 Hour Customer Service By simply calling our 24 hour 'UBL Contact Center' at 111-825-888 or logging onto our website www.ubldirect.com, you can avail the following facilities on your UBL Credit Card, 24 hours a day, 7 days a week. Complete online access to your card account including credit card transactions and billing statements Pay UBL Card bill Free Travel Accident Insurance Each time our Card members use their UBL Credit Card to purchase airline, train or bus tickets, they are automatically covered against any sort of accident that might befall them while traveling: The coverage amounts are: Classic Card: Up to Rs. 3.5 Million Gold Card: Up to Rs. 7 Million E-statements UBL gives you option of getting statement of your Credit Card electronically that makes it easier for you to manage your statements in hassle free paper less environment. Free CIP Lounge Access Take advantage of the special CIP Lounge at , & Airport with free secretarial services, free buffet, internet connection, reading material and 24 - Hour porter facilities. Just present your UBL Gold card at the lounge and enjoy the privileged treatment you deserve. Zero Loss Liability

Isn't it comforting to know that if you lose your card, you have nothing to worry about! UBL covers you from all fraudulent charges made on your card as soon as you report it lost to us. So make sure that you report the loss immediately after such an incident at 111-825-888. Rest assured that with your UBL Credit Card, you are completely secure against loss and theft. UBL Family Security Plan

UBL Family security plan helps UBL Cardholders to prepare for the uncertainties of life where an injury or death of an earning family member can cause serious problems. This plan ensures a regular source of income for the family and funds can either be paid in lump sum or by fixed monthly payments. Child Education Plan UBL Cardholders can secure the future of their child. Child Education Plan provides each of your children (aged between 1 to 21 years or full time student below 25 years) up to Rs.1,000,000 in case of your accidental death &/or accidental permanent disability – A better tomorrow for your child starts today… Hospital Cash Plan UBL Cardholders can secure themselves and their families against financial emergencies during hospitalization. Our card members can avail up to Rs. 8,000/ cash coverage of each day in hospital. Credit Guardian UBL takes care of its Credit Card members payments in time when they cannot. Our Card members can now get total peace of mind and insure themselves against unforeseen emergencies. In the event of any temporary disability where UBL Card member is unable to pay his/her monthly dues, Credit Guardian allows payment of the outstanding monthly amount. Moreover, in the unfortunate event of permanent disability or death, the entire outstanding amount is waived off. Credit Guardian Facility is available for a minimal fee, charged automatically on the card balance every month. Buy Today, Pay Later Your UBL Credit Card gives you the financial flexibility to buy today and pay after a month at no extra charge. You have the option of paying a minimum 5% of the outstanding balance or any other amount of your choice up to your total account balance. A service charge of only 3.3325% per month will apply to whatever remaining unpaid balance that is carried forward. Lite Installment Plan (LIP)

Our installment plan branded as Lite Installment Plan (LIP) allows you to purchase goods or avail specific promotions through your UBL Credit Card and repay the transaction amount in Equal Monthly Installment (EMI). You can chose tenures of 3,6,12,18,24,30 and 36 months for repayment. You can convert any of your retail transaction of Rs. 5,000 and above into LIP. A booking fee as per the prevailing Schedule of Charges is applied on every transaction converted into LIP. You can also avail the option of BTF on LIP, whereby you can pay off your other Credit Cards through your UBL Credit Card and pay back in equal monthly installment at a lower markup. Low Balance Transfer Rate - Save Big Time Now you can really save big time with your UBL Credit Card Balance Transfer Facility! You have the opportunity to pay off balances you owe to other banks through your UBL Credit Card on a low balance transfer rate. Transferring your balances to your UBL Credit Card is simply a phone call away, just call our 24-hour "UBL Contact Center" at 111-825-888. You can also fill in the Balance Transfer form included in the Welcome Pack and mail it to the UBL Card Center address mentioned on it. Alternatively, you may simply use the drop box facility available at all designated Card Payment Branches nationwide to forward your application. Cash Advance You can now withdraw cash through your UBL Credit Card's instant cash advance facility from any designated UBL Card Payment Branches nationwide and at any ATM and financial institutions worldwide displaying VISA/PLUS logo. The service charges for cash advance will be applied from the day of the transaction. A cash advance fee will also apply for each cash withdrawal. Lien Marked Credit Cards Now you also have a facility to get your UBL Credit Card but keeping a security with the Bank. You can now lien your account with UBL and get 70% of the amount as your credit limit. If you are a house wife, senior citizen, retired person you can now get a Lien marked Credit Card.