Key Fact Statement (KFS) for Deposit Accounts BANK AL HABIB LTD Date ______Branch IMPORTANT: Read This Document Carefully If You Are Considering Opening a New Account

Key Fact Statement (KFS) for Deposit Accounts BANK AL HABIB LTD Date ______branch IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for comparison. Account Types & Salient Features: Armed Forces Pensioners Current Account This information is accurate as of the date above. Services, fees and mark up rates may change on Quarterly basis. For updated fees/charges, you may visit our website at www.bankalhabib.com or visit our branches.

Facilitating Armed Forces Personnel to receive pension funds timely and conveniently. The Account is being offered with a host of free and value added services. • No charges at opening or closure of account • Available in Current & Savings Account • No minimum balance requirement • Individual single account only • Free e-statement • Free PayPak Debit Card (Default)* • Free Internet & Mobile banking • SMS Alerts Facility • Banker Cheques Facility • Free Cheque • Online Banking Facility • Available in both Conventional & Islamic Variant Note: Kindly refer Schedule of Charges (SOC) for exemptions of service charges.

Conventional Particulars Armed Forces Pensioner Current Account Currency PKR

Minimum Balance for To open 0 Account To keep 0

Account Maintenance Fee 0 Total Debit 0 Balance Limit Total Credit 0 Balance Limit Fund Transfer & Cash Withdrawal 0 Limit Free Life Insurance No Service Charges IMPORTANT: This is a list of the main service charges for this account. It does not include all charges. You can find a full list at our branches, on our website at www.bankalhabib.com. Please note that all bank charges are exclusive of applicable taxes.

Conventional Services Modes Armed Forces Pensioner Current Account Cash Transaction Intercity PKR 350 Intra-city - Own ATM 0 withdrawal Other Bank ATM PKR 18.75 SMS Alerts Monthly ADC/Digital PKR 75/Monthly (without FED) Clearing PKR 75/Monthly For other PKR 75/Monthly transactions Debit Cards Visa Silver PKR1200 (Issuance & Annual Visa Gold PKR 1500 charges) Visa Platinum PKR 3000 UnionPay PKR 800 Paypak 0 Cheque Book Issuance 0 Stop payment PKR 500 Loose cheque PKR 30/cheque Conventional Services Modes Armed Forces Pensioner Current Account Remittance Banker Cheque / PKR 250 (Local) Pay Order Remittance Foreign Demand USD 15 Foreign Draft Stop payment of US$ 6 plus drawee bank charges at actual FDD/FTT Wire Transfer - Statement of Annual 0 Account Half Yearly 0 Duplicate PKR 35 E-Statements 0 (Monthly) Fund Transfer ADC/Digital Upto PKR 10,000/- PKR 25 Channels - Above PKR 10,000/- & upto PKR 50,000/- PKR 40 - Above PKR 50,000/- & upto PKR 75,000/- PKR 60 - Above PKR 75,000/- & upto PKR 150,000/- PKR 100 Others Digital Banking Internet Banking 0 subscription Mobile Banking 0 subscription Clearing Normal 0 Intercity PKR 300 Same Day PKR 500 Closure of Account Customer request 0 You Must Know Requirements to open an account: To open the account you will need to satisfy some Unclaimed Deposits: In terms of Section 31 of Banking Companies identification requirements as per regulatory instructions and banks' internal policies. Ordinance, 1962 all deposits which have not been operated during the period These may include providing documents and information to verify your identity. Such of last ten years, except deposits in the name of a minor or a Government or a information may be required on a periodic basis. Please ask us for more details. court of law, are surrendered to State Bank of Pakistan (SBP) by the relevant Cheque Bounce: Dishonoring of cheques is subject to a criminal trial in Pakistan under banks, after meeting the conditions as per provisions of law. The surrendered Pakistan Penal Code, 1860. Accordingly, you should be writing cheques with utmost deposits can be claimed through the respective banks. For further prudence. information, please contact your relationship branch. Safe Custody: You are requested to do not share any personal information such as: Closing this account: In order to close your account, kindly visit your Birth, mother’s maiden name, Internet/Mobile Banking user ID & passwords, One Time Relationship Branch Passwords, TPIN, Debit/Credit card number, PIN and CVV. In case you receive such How can you get assistance or make a complaint? email, please do not respond. Instead, we would appreciate it if you report these Unit Head- Customer Complaint Unit, Bank AL Habib Ltd emails/SMS at [email protected] 4th Floor Plot no 30-C, Kahayan-e-Shahbaz, DHA Phase VI, Karachi. Record updating: Always keep profiles/records updated with the bank to avoid missing Tel: (021) 35243570-71Helpline: (021) 111-014-014 any significant communication. You can visit your relationship branch to update your Email: [email protected]/[email protected] information. Website: www.bankalhabib.com What happens if you do not use this account for a long period? If your account In case of unsatisfactory resolution, you may also write to the Banking remains inoperative for 12 months, it will be treated as dormant. You have to reactivate Mohtasib Pakistan at following address: your account. Banking Mohtasib Pakistan Shaheen Complex, 5th floor, M. R. Kiyani Road, Karachi.http://www.bankingmohtasib.gov.pk/

I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT Customer Name: Date: Product Chosen: Mandate of account: Single/Joint/Either or Survivor Address

Contact No.: Mobile No. Email Address Customer Signature Signature Verified

Customer Signature Signature Verified (Secondary-Incase of Joint Account) Key Fact Statement (KFS) for Deposit Accounts BANK AL HABIB LTD Date ______branch IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for comparison. Account Types & Salient Features: Current Plus Account This information is accurate as of the date above. Services, fees and mark up rates may change on Quarterly basis. For updated fees/charges, you may visit our website at www.bankalhabib.com or visit our branches.

Bank AL Habib Current Plus Account meets all your business related and individual needs for convenient and secure banking. • Available in Current Account only • Free Bankers Cheques* • Free Internet/Mobile banking • Free personalized cheque books* • Free PayPak Debit Card (Default)* • Free Life Insurance ** • Free online banking at any Bank AL Habib branch in Pakistan

*Customers can avail free PayPak Debit Card, Cheque Book & Banker's Cheque on the condition of maintaining a minimum monthly average balance of PKR 25,000/-.

**Free Life Insurance Coverage for customer with following eligibility criteria: • New Accounts Eligible after 90 Days of Opening of Account • Claims Payable on the basis of 90 Days of average Balance in Customer Account • Maximum Payable on the Natural Death / Permanent Disability PKR 1 Million • Maximum Payable on the Accidental Death / Permanent Disability PKR 2 Million • In Case of Joint Account, Any One of the Account-holders will be covered • Age Limit- 18 to 60 Years

Note: Kindly refer Schedule of Charges (SOC) for exemptions of service charges.

Conventional Particulars Current Plus Account Currency PKR To open 0 Minimum Balance for Account To keep PKR 25,000 (To avail free services)

Conventional Services Modes Current Plus Account Cash Transaction Intercity 0 Intra-city 0 Own ATM 0 withdrawal Other Bank ATM PKR 18.75 SMS Alerts Monthly ADC/Digital PKR 75 (without FED) Clearing PKR 75 For other PKR 75 transactions Debit Cards Visa Silver PKR1200 (Issuance & Annual Visa Gold PKR 1500 charges) Visa Platinum PKR 3000 UnionPay PKR 800 Paypak 0 (on maintaining monthly average balance of 25,000) Cheque Book Issuance 0 (on maintaining monthly average balance of 25,000) Stop payment PKR 500 Cheque Book

Loose cheque PKR 30/cheque Conventional Services Modes Current Plus Account Remittance Banker Cheque / 0 (on maintaining monthly average balance of 25,000) (Local) Pay Order Remittance Foreign Demand USD 15 Foreign Draft Stop payment of US$ 6 plus drawee bank charges at actual FDD/FTT Wire Transfer - Statement of Annual 0 Account Half Yearly PKR 35 Duplicate PKR 35 E-Statements (Monthly) 0

Fund Transfer ADC/Digital Upto PKR 10,000/- PKR 25 Channels - Above PKR 10,000/- & upto PKR 50,000/- PKR 40 - Above PKR 50,000/- & upto PKR 75,000/- PKR 60 - Above PKR 75,000/- & upto PKR 150,000/- PKR 100 Others 0 Digital Banking Internet Banking 0 subscription Mobile Banking 0 subscription Clearing Normal 0 Intercity 0 Same Day 0 Closure of Account Customer request 0 You Must Know Requirements to open an account: To open the account you will need to satisfy some Unclaimed Deposits: In terms of Section 31 of Banking Companies Ordinance, identification requirements as per regulatory instructions and banks' internal policies. 1962 all deposits which have not been operated during the period of last ten years, These may include providing documents and information to verify your identity. Such except deposits in the name of a minor or a Government or a court of law, are information may be required on a periodic basis. Please ask us for more details. surrendered to State Bank of Pakistan (SBP) by the relevant banks, after meeting Cheque Bounce: Dishonoring of cheques is subject to a criminal trial in Pakistan the conditions as per provisions of law. The surrendered deposits can be claimed under Pakistan Penal Code, 1860. Accordingly, you should be writing cheques with through the respective banks. For further information, please contact your utmost prudence. relationship branch. Safe Custody: You are requested to do not share any personal information such as: Closing this account: In order to close your account, kindly visit your Birth, mother’s maiden name, Internet/Mobile Banking user ID & passwords, One Time Relationship Branch Passwords, TPIN, Debit/Credit card number, PIN and CVV. In case you receive such How can you get assistance or make a complaint? email, please do not respond. Instead, we would appreciate it if you report these Unit Head- Customer Complaint Unit, Bank AL Habib Ltd emails/SMS at [email protected] 4th Floor Plot no 30-C, Kahayan-e-Shahbaz, DHA Phase VI, Karachi. Record updating: Always keep profiles/records updated with the bank to avoid missing Tel: (021) 35243570-71Helpline: (021) 111-014-014 any significant communication. You can visit your relationship branch to update your Email: [email protected]/[email protected] information. Website: www.bankalhabib.com What happens if you do not use this account for a long period? If your account In case of unsatisfactory resolution, you may also write to the Banking Mohtasib remains inoperative for 12 months, it will be treated as dormant. You have to reactivate Pakistan at following address: your account. Banking Mohtasib Pakistan Shaheen Complex, 5th floor, M. R. Kiyani Road, Karachi.http://www.bankingmohtasib.gov.pk/

I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT Customer Name: Date: Product Chosen: Mandate of account: Single/Joint/Either or Survivor Address

Contact No.: Mobile No. Email Address Customer Signature Signature Verified Customer Signature Signature Verified (Secondary-Incase of Joint Account) Key Fact Statement (KFS) for Deposit Accounts BANK AL HABIB LTD Date ______branch IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for comparison. Account Types & Salient Features: Apna Individual Account This information is accurate as of the date above. Services, fees and mark up rates may change on Quarterly basis. For updated fees/charges, you may visit our website at www.bankalhabib.com or visit our branches.

AL Habib Apna Individual Account is primarily focused on individuals looking for a personal account to fulfill all their modern-day banking needs with convenience and host of free facilities. • Available in Current Account only • Free Bankers Cheques (upto 3 per months)* • Free Online Banking • Free PayPak Debit Card (Default)* • Free Internet/Mobile banking • Free Life Insurance ** • Free E-statement

* Customers can avail free PayPak Debit Card & Banker's Cheque on the condition of maintaining a minimum monthly average balance of PKR 25,000/-. ** Free Life Insurance Coverage for customer with following eligibility criteria: • New Accounts Eligible after 90 Days of Opening of Account • Claims Payable on the basis of 90 Days of average Balance in Customer Account • Maximum Payable on the Natural Death / Permanent Disability PKR 1 Million • Maximum Payable on the Accidental Death / Permanent Disability PKR 2 Million • In Case of Joint Account, Any One of the Account-holders will be covered • Age Limit- 18 to 60 Years Note : Kindly refer Schedule of Charges (SOC) for exemptions of service charges.

Conventional Particulars Apna Individual Account Currency PKR Minimum Balance for To open 0 Account To keep PKR 25,000 (To avail free services) Account Maintenance Fee 0 Total Debit 0 Balance Limit Total Credit 0 Balance Limit Fund Transfer & Cash Withdrawal 0 Limit Free Life Insurance Yes Service Charges IMPORTANT: This is a list of the main service charges for this account. It does not include all charges. You can find a full list at our branches, on our website at www.bankalhabib.com. Please note that all bank charges are exclusive of applicable taxes.

Conventional Services Modes Apna Individual Account Cash Transaction Intercity 0 Intra-city 0 Own ATM 0 withdrawal Other Bank ATM PKR 18.75 SMS Alerts Monthly ADC/Digital PKR 75 (without FED) Clearing PKR 75 For other PKR 75 transactions Debit Cards Visa Silver PKR 1200 (Issuance & Annual Visa Gold PKR 1500 charges) Visa Platinum PKR 3000 UnionPay PKR 800 Paypak 0 (on maintaining monthly average balance of 25,000) Cheque Book Issuance PKR 15/leaf Stop payment PKR 500 Cheque Book

Loose cheque PKR 30/cheque Conventional Services Modes Apna Individual Account Remittance Banker Cheque / 0 (upto 3 per month on maintaining monthly average balance of 25,000) (Local) Pay Order Remittance Foreign Demand USD 15 Foreign Draft Stop payment of US$ 6 plus drawee bank charges at actual FDD/FTT Wire Transfer - Statement of Annual 0 Account Half Yearly PKR 35 Duplicate PKR 35 E-Statements 0 (Monthly) Fund Transfer ADC/Digital Upto PKR 10,000/- PKR 25 Channels - Above PKR 10,000/- & upto PKR 50,000/- PKR 40 - Above PKR 50,000/- & upto PKR 75,000/- PKR 60 - Above PKR 75,000/- & upto PKR 150,000/- PKR 100 Others 0 Digital Banking Internet Banking 0 subscription Mobile Banking 0 subscription Clearing Normal 0 Intercity 0 Same Day 0 Closure of Account Customer request 0 You Must Know Requirements to open an account: To open the account you will need to satisfy some Unclaimed Deposits: In terms of Section 31 of Banking Companies identification requirements as per regulatory instructions and banks' internal policies. Ordinance, 1962 all deposits which have not been operated during the period These may include providing documents and information to verify your identity. Such of last ten years, except deposits in the name of a minor or a Government or a information may be required on a periodic basis. Please ask us for more details. court of law, are surrendered to State Bank of Pakistan (SBP) by the relevant Cheque Bounce: Dishonoring of cheques is subject to a criminal trial in Pakistan under banks, after meeting the conditions as per provisions of law. The surrendered Pakistan Penal Code, 1860. Accordingly, you should be writing cheques with utmost deposits can be claimed through the respective banks. For further prudence. information, please contact your relationship branch. Safe Custody: You are requested to do not share any personal information such as: Closing this account: In order to close your account, kindly visit your Birth, mother’s maiden name, Internet/Mobile Banking user ID & passwords, One Time Relationship Branch Passwords, TPIN, Debit/Credit card number, PIN and CVV. In case you receive such How can you get assistance or make a complaint? email, please do not respond. Instead, we would appreciate it if you report these Unit Head- Customer Complaint Unit, Bank AL Habib Ltd emails/SMS at [email protected] 4th Floor Plot no 30-C, Kahayan-e-Shahbaz, DHA Phase VI, Karachi. Record updating: Always keep profiles/records updated with the bank to avoid missing Tel: (021) 35243570-71Helpline: (021) 111-014-014 any significant communication. You can visit your relationship branch to update your Email: [email protected]/[email protected] information. Website: www.bankalhabib.com What happens if you do not use this account for a long period? If your account In case of unsatisfactory resolution, you may also write to the Banking remains inoperative for 12 months, it will be treated as dormant. You have to reactivate Mohtasib Pakistan at following address: your account. Banking Mohtasib Pakistan Shaheen Complex, 5th floor, M. R. Kiyani Road, Karachi.http://www.bankingmohtasib.gov.pk/

I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT Customer Name: Date: Product Chosen: Mandate of account: Single/Joint/Either or Survivor Address

Contact No.: Mobile No. Email Address Customer Signature Signature Verified Customer Signature Signature Verified (Secondary-Incase of Joint Account) Key Fact Statement (KFS) for Deposit Accounts BANK AL HABIB LTD Date ______branch IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for comparison. Account Types & Salient Features: Asaan Remittance Account This information is accurate as of the date above. Services, fees and mark up rates may change on Quarterly basis. For updated fees/charges, you may visit our website at www.bankalhabib.com or visit our branches.

Bank AL Habib “Asaan Remittance Account” offers free, safe, easy and convenient way to receive Home Remittances sent from your loved ones across the globe. • Account can only be fed through Home Remittances from abroad • Available in Current & Savings Account • No initial deposit or minimum balance requirement • Cash withdrawal limit of PKR 50,000 per day • Free PayPak Debit Card (Default)* • Fund transfer limit of PKR 50,000 per day • Total Credit Balance Limit of PKR 2,000,000 • No charges at opening or closure of account • Available in both Conventional & Islamic Variant • Free Life Insurance **

*Bank AL Habib PayPak card is free default debit card being offered under this account, however you may opt for a Visa and UnionPay card. Terms &conditions apply. **Free Life Insurance Coverage for customer with following eligibility criteria: • New Accounts Eligible after 90 Days of Opening of Account • Claims Payable on the basis of 90 Days of average Balance in Customer Account • Maximum Payable on the Natural Death / Permanent Disability PKR 1 Million • Maximum Payable on the Accidental Death / Permanent Disability PKR 2 Million • In Case of Joint Account, Any One of the Account-holders will be covered • Age Limit- 18 to 60 Years

Note: Kindly refer Schedule of Charges (SOC) for exemptions of service charges.

Conventional Particulars Asaan Remittance Account Currency PKR Minimum Balance for To open 0 Account To keep 0 Account Maintenance Fee 0 Total Debit PKR 50,000/day Balance Limit Total Credit PKR 2,000,000 Balance Limit Fund Transfer & Cash Withdrawal PKR 50,000/day Limit Free Life Insurance Yes Service Charges IMPORTANT: This is a list of the main service charges for this account. It does not include all charges. You can find a full list at our branches, on our website at www.bankalhabib.com. Please note that all bank charges are exclusive of applicable taxes.

Conventional Services Modes Asaan Remittance Account Cash Transaction Intercity PKR 350 Intra-city 0 Own ATM 0 withdrawal Other Bank ATM PKR 18.75 SMS Alerts Monthly ADC/Digital PKR 75 (without FED) Clearing PKR 75 For other PKR 75 transactions Debit Cards Visa Silver PKR 1200 (Issuance & Annual Visa Gold PKR 1500 charges) Visa Platinum PKR 3000 UnionPay PKR 800 Paypak 0 Cheque Book Issuance PKR 15/leaf Stop payment PKR 500 Loose cheque PKR 30/cheque Conventional Services Modes Asaan Remittance Account Remittance Banker Cheque / PKR 250 (Local) Pay Order Remittance Foreign Demand USD 15 Foreign Draft Stop payment of US$ 6 plus drawee bank charges at actual FDD/FTT Wire Transfer - Statement of Annual 0 Account Half Yearly PKR 35 Duplicate PKR 35 E-Statements 0 (Monthly) Fund Transfer ADC/Digital Upto PKR 10,000/- PKR 25 Channels - Above PKR 10,000/- & upto PKR 50,000/- PKR 40 - Above PKR 50,000/- & upto PKR 75,000/- PKR 60 - Above PKR 75,000/- & upto PKR 150,000/- PKR 100 Others 0 Digital Banking Internet Banking 0 subscription Mobile Banking 0 subscription Clearing Normal 0 Intercity PKR 300 Same Day PKR 500 Closure of Account Customer request 0 You Must Know Requirements to open an account: To open the account you will need to satisfy some Unclaimed Deposits: In terms of Section 31 of Banking Companies identification requirements as per regulatory instructions and banks' internal policies. Ordinance, 1962 all deposits which have not been operated during the period These may include providing documents and information to verify your identity. Such of last ten years, except deposits in the name of a minor or a Government or a information may be required on a periodic basis. Please ask us for more details. court of law, are surrendered to State Bank of Pakistan (SBP) by the relevant Cheque Bounce: Dishonoring of cheques is subject to a criminal trial in Pakistan under banks, after meeting the conditions as per provisions of law. The surrendered Pakistan Penal Code, 1860. Accordingly, you should be writing cheques with utmost deposits can be claimed through the respective banks. For further prudence. information, please contact your relationship branch. Safe Custody: You are requested to do not share any personal information such as: Closing this account: In order to close your account, kindly visit your Birth, mother’s maiden name, Internet/Mobile Banking user ID & passwords, One Time Relationship Branch Passwords, TPIN, Debit/Credit card number, PIN and CVV. In case you receive such How can you get assistance or make a complaint? email, please do not respond. Instead, we would appreciate it if you report these Unit Head- Customer Complaint Unit, Bank AL Habib Ltd emails/SMS at [email protected] 4th Floor Plot no 30-C, Kahayan-e-Shahbaz, DHA Phase VI, Karachi. Record updating: Always keep profiles/records updated with the bank to avoid missing Tel: (021) 35243570-71Helpline: (021) 111-014-014 any significant communication. You can visit your relationship branch to update your Email: [email protected]/[email protected] information. Website: www.bankalhabib.com What happens if you do not use this account for a long period? If your account In case of unsatisfactory resolution, you may also write to the Banking remains inoperative for 12 months, it will be treated as dormant. You have to reactivate Mohtasib Pakistan at following address: your account. Banking Mohtasib Pakistan Shaheen Complex, 5th floor, M. R. Kiyani Road, Karachi.http://www.bankingmohtasib.gov.pk/

I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT Customer Name: Date: Product Chosen: Mandate of account: Single/Joint/Either or Survivor Address Contact No.: Mobile No. Email Address Customer Signature Signature Verified

Customer Signature Signature Verified (Secondary-Incase of Joint Account) Key Fact Statement (KFS) for Deposit Accounts BANK AL HABIB LTD Date ______branch IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for comparison. Account Types & Salient Features: Asaan Account This information is accurate as of the date above. Services, fees and mark up rates may change on Quarterly basis. For updated fees/charges, you may visit our website at www.bankalhabib.com or visit our branches.

A special account for Pakistan nationals who do not have bank account All you need is your CNIC to start banking with us and enjoy a host of value-added services. • Credit balance limit of Rs. 500,000/- • Available in Current & Savings Account • Total Debit per month of Rs. 500,000/- • SMS Alert facility • Free Internet/Mobile banking • Free E-statements • Free PayPak Debit Card (Default)* • Available in both Conventional & Islamic Variant • Free Life Insurance **

Note: Kindly refer Schedule of Charges (SOC) for exemptions of service charges.

Conventional Particulars Asaan Account Currency PKR Minimum Balance for To open 0 Account To keep 0 Account Maintenance Fee 0 Total Debit PKR 500,000/Monthly Balance Limit Total Credit PKR 500,000 Balance Limit Fund Transfer & Cash Withdrawal 0 Limit Free Life Insurance Yes Service Charges IMPORTANT: This is a list of the main service charges for this account. It does not include all charges. You can find a full list at our branches, on our website at www.bankalhabib.com. Please note that all bank charges are exclusive of applicable taxes.

Conventional Services Modes Asaan Account Cash Transaction Intercity PKR 350 Intra-city 0 Own ATM 0 withdrawal Other Bank ATM PKR 18.75 SMS Alerts Monthly ADC/Digital PKR 75 (without FED) Clearing PKR 75 For other PKR 75 transactions Debit Cards Visa Silver PKR 1200 (Issuance & Annual Visa Gold PKR 1500 charges) Visa Platinum PKR 3000 UnionPay PKR 800 Paypak 0 Cheque Book Issuance PKR 15/leaf Cheque Book Stop payment PKR 500 Loose cheque PKR 30/cheque Conventional Services Modes Asaan Account Remittance Banker Cheque / PKR 250 (Local) Pay Order Remittance Foreign Demand USD 15 Foreign Draft Stop payment of US$ 6 plus drawee bank charges at actual FDD/FTT Wire Transfer - Statement of Annual 0 Account Half Yearly PKR 35 Duplicate PKR 35 E-Statements 0 (Monthly) Fund Transfer ADC/Digital Upto PKR 10,000/- PKR 25 Channels - Above PKR 10,000/- & upto PKR 50,000/- PKR 40 - Above PKR 50,000/- & upto PKR 75,000/- PKR 60 - Above PKR 75,000/- & upto PKR 150,000/- PKR 100 Others 0 Internet Banking Digital Banking 0 subscription Mobile Banking 0 subscription Clearing Normal 0 Intercity PKR 300 Same Day PKR 500 Closure of Account Customer request 0 You Must Know Requirements to open an account: To open the account you will need to satisfy some Unclaimed Deposits: In terms of Section 31 of Banking Companies identification requirements as per regulatory instructions and banks' internal policies. Ordinance, 1962 all deposits which have not been operated during the period These may include providing documents and information to verify your identity. Such of last ten years, except deposits in the name of a minor or a Government or a information may be required on a periodic basis. Please ask us for more details. court of law, are surrendered to State Bank of Pakistan (SBP) by the relevant Cheque Bounce: Dishonoring of cheques is subject to a criminal trial in Pakistan under banks, after meeting the conditions as per provisions of law. The surrendered Pakistan Penal Code, 1860. Accordingly, you should be writing cheques with utmost deposits can be claimed through the respective banks. For further prudence. information, please contact your relationship branch. Safe Custody: You are requested to do not share any personal information such as: Closing this account: In order to close your account, kindly visit your Birth, mother’s maiden name, Internet/Mobile Banking user ID & passwords, One Time Relationship Branch Passwords, TPIN, Debit/Credit card number, PIN and CVV. In case you receive such How can you get assistance or make a complaint? email, please do not respond. Instead, we would appreciate it if you report these Unit Head- Customer Complaint Unit, Bank AL Habib Ltd emails/SMS at [email protected] 4th Floor Plot no 30-C, Kahayan-e-Shahbaz, DHA Phase VI, Karachi. Record updating: Always keep profiles/records updated with the bank to avoid missing Tel: (021) 35243570-71Helpline: (021) 111-014-014 any significant communication. You can visit your relationship branch to update your Email: [email protected]/[email protected] information. Website: www.bankalhabib.com What happens if you do not use this account for a long period? If your account In case of unsatisfactory resolution, you may also write to the Banking remains inoperative for 12 months, it will be treated as dormant. You have to reactivate Mohtasib Pakistan at following address: your account. Banking Mohtasib Pakistan Shaheen Complex, 5th floor, M. R. Kiyani Road, Karachi.http://www.bankingmohtasib.gov.pk/

I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT Customer Name: Date: Product Chosen: Mandate of account: Single/Joint/Either or Survivor Address

Contact No.: Mobile No. Email Address Customer Signature Signature Verified

Customer Signature Signature Verified (Secondary-Incase of Joint Account) Key Fact Statement (KFS) for Deposit Accounts BANK AL HABIB LTD Date ______branch IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for comparison. Account Types & Salient Features: Pensioners Account This information is accurate as of the date above. Services, fees and mark up rates may change on Quarterly basis. For updated fees/charges, you may visit our website at www.bankalhabib.com or visit our branches.

AL Habib Pensioner Account specially designed for pensioners to facilitate them in receiving their pension funds post retirement. • Available in Current & Savings Account • No initial or minimum balance requirement • No charges on opening and closure of account • SMS Alert Facility • Bankers Cheques Facility • Free Cheque Book • Free PayPak Debit Card (Default)* • Free Internet/Mobile banking • Free Standing Instructions *Bank AL Habib PayPak card is free default debit card being offered under this account, however you may opt for a Visa and UnionPay card. Terms &conditions apply.

Note: Kindly refer Schedule of Charges (SOC) for exemptions of service charges. Conventional Particulars Penisoners Account Currency PKR To open 0 Minimum Balance for Account To keep 0

Conventional Services Modes Penisoners Account Cash Transaction Intercity PKR 350 Intra-city 0 Own ATM 0 withdrawal Other Bank ATM PKR 18.75 SMS Alerts Monthly ADC/Digital 0 (without FED) Clearing 0 For other 0 transactions Debit Cards Visa Silver PKR 1200 (Issuance & Annual Visa Gold PKR 1500 charges) Visa Platinum PKR 3000 UnionPay PKR 800 Paypak 0 Cheque Book Issuance 0 Stop payment PKR 500 Loose cheque PKR 30/cheque Conventional Services Modes Services Modes Penisoners Account Remittance Banker Cheque / PKR 250 (Local) Pay Order Remittance Foreign Demand USD 15 Foreign Draft Stop payment of US$ 6 plus drawee bank charges at actual FDD/FTT Wire Transfer - Statement of Annual 0 Account Half Yearly 0 Duplicate PKR 35 E-Statements 0 (Monthly) Fund Transfer ADC/Digital Upto PKR 10,000/- PKR 25 Channels - Above PKR 10,000/- & upto PKR 50,000/- PKR 40 - Above PKR 50,000/- & upto PKR 75,000/- PKR 60 - Above PKR 75,000/- & upto PKR 150,000/- PKR 100 Others 0 Digital Banking Internet Banking 0 subscription Mobile Banking 0 subscription Clearing Normal 0 Intercity PKR 300 Same Day PKR 500 Closure of Account Customer request 0 You Must Know Requirements to open an account: To open the account you will need to satisfy some Unclaimed Deposits: In terms of Section 31 of Banking Companies identification requirements as per regulatory instructions and banks' internal policies. Ordinance, 1962 all deposits which have not been operated during the period These may include providing documents and information to verify your identity. Such of last ten years, except deposits in the name of a minor or a Government or a information may be required on a periodic basis. Please ask us for more details. court of law, are surrendered to State Bank of Pakistan (SBP) by the relevant Cheque Bounce: Dishonoring of cheques is subject to a criminal trial in Pakistan under banks, after meeting the conditions as per provisions of law. The surrendered Pakistan Penal Code, 1860. Accordingly, you should be writing cheques with utmost deposits can be claimed through the respective banks. For further prudence. information, please contact your relationship branch. Safe Custody: You are requested to do not share any personal information such as: Closing this account: In order to close your account, kindly visit your Birth, mother’s maiden name, Internet/Mobile Banking user ID & passwords, One Time Relationship Branch Passwords, TPIN, Debit/Credit card number, PIN and CVV. In case you receive such How can you get assistance or make a complaint? email, please do not respond. Instead, we would appreciate it if you report these Unit Head- Customer Complaint Unit, Bank AL Habib Ltd emails/SMS at [email protected] 4th Floor Plot no 30-C, Kahayan-e-Shahbaz, DHA Phase VI, Karachi. Record updating: Always keep profiles/records updated with the bank to avoid missing Tel: (021) 35243570-71Helpline: (021) 111-014-014 any significant communication. You can visit your relationship branch to update your Email: [email protected]/[email protected] information. Website: www.bankalhabib.com What happens if you do not use this account for a long period? If your account In case of unsatisfactory resolution, you may also write to the Banking remains inoperative for 12 months, it will be treated as dormant. You have to reactivate Mohtasib Pakistan at following address: your account. Banking Mohtasib Pakistan Shaheen Complex, 5th floor, M. R. Kiyani Road, Karachi.http://www.bankingmohtasib.gov.pk/

I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT Customer Name: Date: Product Chosen: Mandate of account: Single/Joint/Either or Survivor Address

Contact No.: Mobile No. Email Address

Customer Signature Signature Verified

Customer Signature Signature Verified (Secondary-Incase of Joint Account) Key Fact Statement (KFS) for Deposit Accounts BANK AL HABIB LTD Date ______branch IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for comparison. Account Types & Salient Features: Basic Banking Account This information is accurate as of the date above. Services, fees and mark up rates may change on Quarterly basis. For updated fees/charges, you may visit our website at www.bankalhabib.com or visit our branches.

AL Habib Current Account to facilitate and provide you with a host of value added services. • No minimum balance requirement • No services charges on account • Initial deposit for account opening Rs. 1,000/- • SMS Alert facility • Cheque Book facility • Free e-Statements • Free PayPak Debit Card (Default)* • Free Internet/Mobile banking • Two deposit and withdrawal by cheque (cash or clearing) are allowed free of charge *Bank AL Habib PayPak card is free default debit card being offered under this account, however you may opt for a Visa and UnionPay card. Terms &conditions apply.

Note: Kindly refer Schedule of Charges (SOC) for exemptions of service charges. Conventional Particulars Basic Banking Account Currency PKR To open PKR 1,000 Minimum Balance for Account To keep 0

Conventional Services Modes Basic Banking Account Cash Transaction Intercity PKR 350 Intra-city 0 Own ATM 0 withdrawal Other Bank ATM PKR 18.75

SMS Alerts Monthly ADC/Digital PKR 75 (without FED) Clearing PKR 75 For other PKR 75 transactions Debit Cards Visa Silver PKR 1200 (Issuance & Annual Visa Gold PKR 1500 charges) Visa Platinum PKR 3000 UnionPay PKR 800 Paypak 0 Cheque Book Issuance PKR 15/leaf Stop payment PKR 500 Loose cheque PKR 30/cheque Conventional Services Modes Basic Banking Account Remittance Banker Cheque / PKR 250 (Local) Pay Order Remittance Foreign Demand USD 15 Foreign Draft Stop payment of US$ 6 plus drawee bank charges at actual FDD/FTT Wire Transfer - Statement of Annual 0 Account Half Yearly PKR 35 Duplicate PKR 35 E-Statements 0 (Monthly) Fund Transfer ADC/Digital Upto PKR 10,000/- PKR 25 Channels - Above PKR 10,000/- & upto PKR 50,000/- PKR 40 - Above PKR 50,000/- & upto PKR 75,000/- PKR 60 - Above PKR 75,000/- & upto PKR 150,000/- PKR 100 Others 0 Digital Banking Internet Banking 0 subscription Mobile Banking 0 subscription Clearing Normal 0 Intercity 0 (2 are allowed free/month) Same Day 0 (2 are allowed free/month) Closure of Account Customer request 0 You Must Know Requirements to open an account: To open the account you will need to satisfy some Unclaimed Deposits: In terms of Section 31 of Banking Companies identification requirements as per regulatory instructions and banks' internal policies. Ordinance, 1962 all deposits which have not been operated during the period These may include providing documents and information to verify your identity. Such of last ten years, except deposits in the name of a minor or a Government or a information may be required on a periodic basis. Please ask us for more details. court of law, are surrendered to State Bank of Pakistan (SBP) by the relevant Cheque Bounce: Dishonoring of cheques is subject to a criminal trial in Pakistan under banks, after meeting the conditions as per provisions of law. The surrendered Pakistan Penal Code, 1860. Accordingly, you should be writing cheques with utmost deposits can be claimed through the respective banks. For further prudence. information, please contact your relationship branch. Safe Custody: You are requested to do not share any personal information such as: Closing this account: In order to close your account, kindly visit your Birth, mother’s maiden name, Internet/Mobile Banking user ID & passwords, One Time Relationship Branch Passwords, TPIN, Debit/Credit card number, PIN and CVV. In case you receive such How can you get assistance or make a complaint? email, please do not respond. Instead, we would appreciate it if you report these Unit Head- Customer Complaint Unit, Bank AL Habib Ltd emails/SMS at [email protected] 4th Floor Plot no 30-C, Kahayan-e-Shahbaz, DHA Phase VI, Karachi. Record updating: Always keep profiles/records updated with the bank to avoid missing Tel: (021) 35243570-71Helpline: (021) 111-014-014 any significant communication. You can visit your relationship branch to update your Email: [email protected]/[email protected] information. Website: www.bankalhabib.com What happens if you do not use this account for a long period? If your account In case of unsatisfactory resolution, you may also write to the Banking remains inoperative for 12 months, it will be treated as dormant. You have to reactivate Mohtasib Pakistan at following address: your account. Banking Mohtasib Pakistan Shaheen Complex, 5th floor, M. R. Kiyani Road, Karachi.http://www.bankingmohtasib.gov.pk/

I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT Customer Name: Date: Product Chosen: Mandate of account: Single/Joint/Either or Survivor Address

Contact No.: Mobile No. Email Address Customer Signature Signature Verified Customer Signature Signature Verified (Secondary-Incase of Joint Account) Key Fact Statement (KFS) for Deposit Accounts BANK AL HABIB LTD Date ______branch IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for comparison. Account Types & Salient Features: Current Account This information is accurate as of the date above. Services, fees and mark up rates may change on Quarterly basis. For updated fees/charges, you may visit our website at www.bankalhabib.com or visit our branches.

AL Habib Current Account is PKR non-remunerative account specially designed for the customer are looking to manage their day to day banking need conveniently. • No minimum balance requirement • SMS Alert facilty • Free e-Statements • Free PayPak Debit Card (Default)* • Free Internet/Mobile banking *Bank AL Habib PayPak card is free default debit card being offered under this account, however you may opt for a Visa and UnionPay card. Terms &conditions apply.

Note: Kindly refer Schedule of Charges (SOC) for exemptions of service charges.

Conventional Particulars Current Account Currency PKR Minimum Balance for To open 0 Account To keep 0 Account Maintenance Fee 0 Total Debit 0 Balance Limit Total Credit 0 Balance Limit Fund Transfer & Cash Withdrawal 0 Limit Free Life Insurance No Service Charges IMPORTANT: This is a list of the main service charges for this account. It does not include all charges. You can find a full list at our branches, on our website at www.bankalhabib.com. Please note that all bank charges are exclusive of applicable taxes.

Conventional Services Modes Current Account Cash Transaction Intercity PKR 350 Intra-city 0 Own ATM 0 withdrawal Other Bank ATM PKR 18.75

SMS Alerts Monthly ADC/Digital PKR 75 (without FED) Clearing PKR 75 For other PKR 75 transactions Debit Cards Visa Silver PKR 1200 (Issuance & Annual Visa Gold PKR 1500 charges) Visa Platinum PKR 3000 UnionPay PKR 800 Paypak 0 Cheque Book Issuance PKR 15/leaf Stop payment PKR 500 Loose cheque PKR 30/cheque Conventional Services Modes Services Modes Current Account Banker Cheque / Remittance PKR 250 (Local) Pay Order Remittance Foreign Demand USD 15 Foreign Draft Stop payment of US$ 6 plus drawee bank charges at actual FDD/FTT Wire Transfer - Statement of Annual 0 Account Half Yearly PKR 35 Duplicate PKR 35 E-Statements 0 (Monthly) Fund Transfer ADC/Digital Upto PKR 10,000/- PKR 25 Channels - Above PKR 10,000/- & upto PKR 50,000/- PKR 40 - Above PKR 50,000/- & upto PKR 75,000/- PKR 60 - Above PKR 75,000/- & upto PKR 150,000/- PKR 100 Others 0 Digital Banking Internet Banking 0 subscription Mobile Banking 0 subscription Clearing Normal 0 Intercity PKR 300 Same Day PKR 500 Closure of Account Customer request 0 You Must Know Requirements to open an account: To open the account you will need to satisfy some Unclaimed Deposits: In terms of Section 31 of Banking Companies identification requirements as per regulatory instructions and banks' internal policies. Ordinance, 1962 all deposits which have not been operated during the period These may include providing documents and information to verify your identity. Such of last ten years, except deposits in the name of a minor or a Government or a information may be required on a periodic basis. Please ask us for more details. court of law, are surrendered to State Bank of Pakistan (SBP) by the relevant Cheque Bounce: Dishonoring of cheques is subject to a criminal trial in Pakistan under banks, after meeting the conditions as per provisions of law. The surrendered Pakistan Penal Code, 1860. Accordingly, you should be writing cheques with utmost deposits can be claimed through the respective banks. For further prudence. information, please contact your relationship branch. Safe Custody: You are requested to do not share any personal information such as: Closing this account: In order to close your account, kindly visit your Birth, mother’s maiden name, Internet/Mobile Banking user ID & passwords, One Time Relationship Branch Passwords, TPIN, Debit/Credit card number, PIN and CVV. In case you receive such How can you get assistance or make a complaint? email, please do not respond. Instead, we would appreciate it if you report these Unit Head- Customer Complaint Unit, Bank AL Habib Ltd emails/SMS at [email protected] 4th Floor Plot no 30-C, Kahayan-e-Shahbaz, DHA Phase VI, Karachi. Record updating: Always keep profiles/records updated with the bank to avoid missing Tel: (021) 35243570-71Helpline: (021) 111-014-014 any significant communication. You can visit your relationship branch to update your Email: [email protected]/[email protected] information. Website: www.bankalhabib.com What happens if you do not use this account for a long period? If your account In case of unsatisfactory resolution, you may also write to the Banking remains inoperative for 12 months, it will be treated as dormant. You have to reactivate Mohtasib Pakistan at following address: your account. Banking Mohtasib Pakistan Shaheen Complex, 5th floor, M. R. Kiyani Road, Karachi.http://www.bankingmohtasib.gov.pk/

I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT Customer Name: Date: Product Chosen: Mandate of account: Single/Joint/Either or Survivor Address

Contact No.: Mobile No. Email Address Customer Signature Signature Verified

Account Types & Salient Features: AL Habib Roshan Digital Account This information is accurate as of the date above. Services, fees and mark up rates may change on Quarterly basis. For updated fees/charges, you may visit our website at www.bankalhabib.com or visit our branches.

Bank AL Habib offers AL Habib Roshan Digital Account for Non-Resident Pakistanis (NRPs), Foreign Nationals having a Pakistan Origin Card (POC) and Resident Pakistanis having assets abroad to open and manage their accounts in Bank AL Habib through an online digital platform. The product will facilitate overseas Pakistanis with a simple, secure & convenient online digital account opening process which, will ultimately help them make payments, investments and avail various other banking facilities while being abroad. • Free E-Statements • Debit Card Facility • Free registration for Netbanking and AL Habib Mobile • No Initial deposit or minimum balance is required • No charges on opening, closure and maintenance of account • Availability of 24/7 Dedicated Roshan Digital Unit (RDU) • Account is fully repatriable • Also available in Joint Account • Available in Current & Saving account types with both Conventional & Islamic variants • Cheque Book Facility • Local credits are allowed to the extent of proceeds received from permissible investments • Offered in Pak Rupee & Foreign Currency • Account can be fed by Foreign Inward Remittances originating from the account holder themselves & other formal SWIFT & Home Remittance channels • Access to host of investment avenues e.g. TDR Booking, Mutual Funds, Naya Pakistan Certificates, investment in Pakistan Stock Exchange,investemnt in commercial & Residential Real Estate.

Note: Kindly refer Schedule of Charges (SOC) for exemptions of service charges.

Conventional Particulars AL Habib Roshan Digital Account Currency PKR Minimum Balance for To open 0 Account To keep 0 Account Maintenance Fee 0 Total Debit 0 Balance Limit Total Credit 0 Balance Limit Fund Transfer & Cash Withdrawal 0 Limit Free Life Insurance 0 Service Charges IMPORTANT: This is a list of the main service charges for this account. It does not include all charges. You can find a full list at our branches, on our website at www.bankalhabib.com. Please note that all bank charges are exclusive of applicable taxes. Conventional Services Modes AL Habib Roshan Digital Account Cash Transaction Intercity PKR 350 Intra-city - Own ATM 0 withdrawal Other Bank ATM Rs.200 per transaction or 2% whichever is higher (International) SMS Alerts Monthly ADC/Digital - (without FED) Clearing - For other - transactions Debit Cards Visa Silver PKR 1200 (Issuance & Annual Visa Gold PKR 1500 charges) Visa Platinum PKR 3000 UnionPay - Paypak - Cheque Book Issuance PKR 15/leaf Stop payment PKR 500 Loose cheque PKR 30/cheque Conventional Services Modes AL Habib Roshan Digital Account

Remittance Banker Cheque / PKR 250 (Local) Pay Order Remittance Foreign Demand USD 15 Foreign Draft Stop payment of US$ 6 plus drawee bank charges at actual FDD/FTT Wire Transfer - Statement of Annual 0 Account Half Yearly PKR 35 Duplicate PKR 35 E-Statements 0 (Monthly) Fund Transfer ADC/Digital Upto PKR 10,000/- PKR 25 Channels - Above PKR 10,000/- & upto PKR 50,000/- PKR 40 - Above PKR 50,000/- & upto PKR 75,000/- PKR 60 - Above PKR 75,000/- & upto PKR 150,000/- PKR 100 Others - Digital Banking Internet Banking 0 subscription Mobile Banking 0 subscription Clearing Normal 0 Intercity PKR 300 Same Day PKR 500 Closure of Account Customer request 0 You Must Know Requirements to open an account: To open the account you will need to satisfy some Unclaimed Deposits: In terms of Section 31 of Banking Companies identification requirements as per regulatory instructions and banks' internal policies. These may Ordinance, 1962 all deposits which have not been operated during the period include providing documents and information to verify your identity. Such information may be of last ten years, except deposits in the name of a minor or a Government or a required on a periodic basis. Please ask us for more details. court of law, are surrendered to State Bank of Pakistan (SBP) by the relevant Cheque Bounce: Dishonoring of cheques is subject to a criminal trial in Pakistan under Pakistan banks, after meeting the conditions as per provisions of law. The surrendered Penal Code, 1860. Accordingly, you should be writing cheques with utmost prudence. deposits can be claimed through the respective banks. For further information, Safe Custody: You are requested to do not share any personal information such as: Birth, mother’s please contact your relationship branch. maiden name, Internet/Mobile Banking user ID & passwords, One Time Passwords, TPIN, Closing this account: In order to close your account, kindly visit your Debit/Credit card number, PIN and CVV. In case you receive such email, please do not respond. Relationship Branch Instead, we would appreciate it if you report these emails/SMS at [email protected] How can you get assistance or make a complaint? Record updating: Always keep profiles/records updated with the bank to avoid missing any Unit Head- Customer Complaint Unit, Bank AL Habib Ltd significant communication. You can visit your relationship branch to update your information. 4th Floor Plot no 30-C, Kahayan-e-Shahbaz, DHA Phase VI, Karachi. What happens if you do not use this account for a long period? If your account remains Tel: (021) 35243570-71Helpline: (021) 111-014-014 inoperative for 12 months, it will be treated as dormant. You have to reactivate your account. Email: [email protected]/[email protected] Website: www.bankalhabib.com In case of unsatisfactory resolution, you may also write to the Banking Mohtasib Pakistan at following address:

Banking Mohtasib Pakistan Shaheen Complex, 5th floor, M. R. Kiyani Road, Karachi.http://www.bankingmohtasib.gov.pk/

I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT Customer Name: Date: Product Chosen: Mandate of account: Single/Joint/Either or Survivor Address

Contact No.: Mobile No. Email Address Customer Signature Signature Verified

Customer Signature Signature Verified (Secondary-Incase of Joint Account)