SCHEDULE OF BANK CHARGES (Excluding FED and Sales Tax) From 1st Jan 2020 to 30th Jun 2020

Over 290 branches & 300+ ATMs 021-111-SONERI (766374) www.soneribank.com Soneri Mobile SoneriBankPK soneribankofficial SoneriBank_Pk Soneri Bank Limited Registered Office: Rupali House 241-242, Upper Mall Scheme, Anand Road, Lahore - 54000, Pakistan Tel: (042) 35713101-04

Central Office: 10th Floor, PNSC Building, M.T. Khan Road, Karachi - 74000, Pakistan Tel: (021) 111-567-890

Over 290 branches & 300+ ATMs 021-111-SONERI (766374) www.soneribank.com Soneri Mobile SoneriBankPK soneribankofficial SoneriBank_Pk TABLE OF CONTENTS Page # INTERNATIONAL BANKING 03 A. IMPORTS 03 Letter of Credit 03 Sight Bills 03 Usance Bills 03 Documentary Collection 04 B. EXPORTS 04 Letter of Credit 04 Collections 05 C. OTHER TRADE CHARGES 05 D. REMITTANCES: (FOREIGN CURRENCY) 06 Outward 06 Inward 06 E. COLLECTION: (FOREIGN CURRENCY) 07 Outward 07 Inward 07 F. PURCHASE OF CLEAN COLLECTION 07 ADVANCES 07 A. CHARGES 07 B. CORPORATE/COMMERCIAL/RETAIL/SME FINANCE: (NEW/RENEWAL/ENHANCEMENT) 08 C. PLEDGE/HYPOTHECATION FINANCING 08 D. AGRICULTURE FINANCE 09 E. CONSUMER FINANCE 09 Soneri Car Finance 09 Soneri Personal Finance 10 Soneri Ghar Finance 10 F. COMMERCIAL FINANCING OF CARS/VEHICLES 10 G. GUARANTEES 10 Other Guarantees 10 DOMESTIC BANKING 12 A. INLAND TRADE 12 Letter of Credit 12 B. BILLS 12 Collection 12 Purchase of Bills, Cheques etc. 12 Documentary Bills Drawn Against Inland LCs 13 C. REMITTANCES (LOCAL CURRENCY) 13 Demand Draft 13 Banker's Cheque 14 Security Deposit Receipt 14 Settlement of 3rd Party Fund Transfers through Prism System (RTGS) 14 Online Banking 14 Clearing and Collection 14 Cheque Return 14 Page # D. STANDING INSTRUCTIONS FEE 15 E. SALE AND PURCHASE OF SECURITIES AND SAFE CUSTODY ARTICLES 15 Safe Deposit Lockers 15 F. ALTERNATE DELIVERY CHANNELS 16 Soneri Debit Mastercard 16 Phone Banking 16 Mobile Banking 16 Internet Banking 17 SMS Alert 17 FBR/Provincial Taxes or Duties Collection through Alternate Delivery Channels 17 G. INVESTMENT PORTFOLIO SECURITIES (IPS) ACCOUNT 17 PIB/IJARA/SUKUK COUPON PAYMENT 17 H. COMMUNICATION 17 SWIFT 17 Postage 17 Courier 17 I. BRANCH BANKING 17 Cheque Book 17 Stop Payment of Cheque 17 Statement of Accounts 18 Record Retrieval 18 Account Maintenance Charges 18 FBR/Provincial Taxes or Duties Collection over the counter 19 J. FOREIGN DIRECT INVESTMENT 19 K. SONERI STAFF SALARY ACCOUNTS 19 CASH MANAGEMENT SERVICES - CORPORATE & INVESTMENT BANKING 20 A. PAYMENT AND REPORTING 20 B. COLLECTIONS/RECEIVABLE MANAGEMENT SERVICES 20 C. BANKER TO THE ISSUE 20 D. DIVIDEND WARRANTS PAYOUT 20 E. STANDING INSTRUCTIONS 20 v. Handling & service charges for overdue xv. Discrepancy fee, if discrepant documents b. Indenting commission iv. Legal documentation cost viii. Other incidental expenses, insurance h. Re-issuance of NOC export bills reporting are presented premium, legal charges, etc. SCHEDULE OF CHARGES v. Redemption fee to be recovered from ii. Soneri Personal Finance b. Overdue mark-up in case DA/usance vi. Export bills returned unpaid xvi Handling charges in lieu of exchange c. Return of inward remittance party when bank officers are required to ix. FIM commission for retail customers only FOR THE PERIOD JAN 01, 2020 TO JUN 30, 2020 bills are not paid by importers on the earnings where importer buys foreign go before registrar for redemption of the a. Processing fee due date exchange from some other bank for LC d. Issuance of proceeds realization mortgage a. Commission INTERNATIONAL BANKING vii. Circulation of loss of "E" form opened/contract registered with us certificate of remittance dated beyond (recoverable from bank’s own one year vi. ECIB report charges x. Penal charges on overdue FIM/FTR b. Early settlement/prepayment charges A. IMPORTS: customers) xvii Handling & service charges in lieu of exchange earnings where an exporter E. COLLECTION (FOREIGN CURRENCY): vii. For issuance of any NOC for pari-passu c. Balloon payment charges b. Other charges i. Letter of Credit: First For each viii. Transfer of EFE to other banks quarter subsequent sells foreign exchange to some other bank charge/JPP charge or reduction/ xi. Clearing & forwarding agent fee for while documents were sent for collection i. Outward: amendment in the charge amount/ clearing/off-loading imported goods from d. Late payment charges (commission) quarter ix. Collections vi. Amendments through us a. Cheques/Bank drafts/TCs etc. description carrier a. Opening of LC a. Handling of export documents iii. Soneri Ghar Finance xviii Reimbursement payment to/from other viii. Credit worthiness report/BIR fee from xii. Late payment charges a. Amendment in text not involving Upto Rs. 10 M 0.40% 0.20% change in amount and tenor Collection (sent on collection under LC local banks from non-resident rupee outsource evaluator a. Processing fee Over Rs. 10 M upto Rs. 100 M 0.30% 0.20% Rs. 2,000/- & contract basis) accounts a) On delayed payment of principal/ 0.15% 0.10% installment on due date (without any b. Increase in amount and or extension in Over Rs.100 M upto Rs.200 M minimum period Above Rs. 200 M 0.10% 0.10% Advance payment xix Assignment of proceeds to other banks ix. Project evaluation/appraisal fee from grace period) outsource evaluator b. Mortgage protection insurance Note: The above commission is subject to adjustment after obtaining approval of the competent authority xx Business performance certificate b. Cheques returned unpaid premium b. If payment of exports/advance c. SWIFT charges based on annual volumes/values & arrangements with the customer. iv. Import bills returned unpaid payment to Afghanistan & Central Asian x. Vacation of charge fee/release of xxi Export refinance application - Handling security b) On delayed payment of mark-up on due c. Early settlement/prepayment charges Republics is deposited in FCY notes in c. USD clearing through NIFT vii. Claim Handling Charges b. Revalidation commission of expired LC As applicable for opening of fresh LC FC accounts/encashment in PKR charges date (including grace period if any) (0% prepayment charges after 5 years as per i - a above v. a. Documentary collections ERF substitution xi. Late payment charges of loan disbursement) a. LG issued to beneficiary in Pakistan on c. Submission of shipping documents by ii. Inward: behalf of resident c. Transfer to new beneficiary As applicable for opening of fresh LC exporter against advance payments xxii LTFF (Long term finance facility under a) On delayed payment of principle/ d. Balloon payment charges as per i - a above b. Registration of import contract beyond 90 days from shipment date SBP scheme) - Handlving charges a. Inward clean collections received from mark-up on due date after grace period abroad or local banks xiii. Issuance of delivery order for release of e. Late payment charges b. LG issued to beneficiary in Pakistan d. Commission on establishment of LC 0.30% flat for LC c. Import contract amendment xxiii EE certification b) Late payment of installments pledged stocks against counter guarantee from /contract against 100% margin 0.15% flat for contract C. OTHER TRADE CHARGES: b. Inward FCY cheque returned unpaid f. Safe custody fee for holding/safe correspondent/foreign bank xxiv EE NOC issued to other banks under ERF due to insufficient balance xii. Safe custody fee for holding/safe keeping keeping the property documents e. Amendments Rs. 1,575/- per transaction (flat) or commission If increase in amount and/or period is i. Handling of duty draw back claims scheme the property documents against which all against which no exposure is outstanding viii. Cancellation charges within expiry of under items (A - i) above, if amendment involves involved the lines have been cancelled/no guarantee increase in amount or extension in period of ii. Handling of research & development xxv Handling of three way merchanting trade F. PURCHASE OF CLEAN COLLECTION: exposure outstanding shipment support claims - SBP transactions by firms and companies in F. COMMERCIAL FINANCING OF CARS/VEHICLES Pakistan through back to back L/Cs or i. Purchase of clean FCY Instruments like xiii. Digital external verification charges D. AGRICULTURE FINANCE: ix. Consortium guarantees f. LC cancellation charges Rs. 1,750/- plus SWIFT charges iii. Collection of export development advance payments etc. cheques, bank drafts, TCs, etc. i. Processing fee vi. Service charges against import surcharge xiv. Income estimation charges i. Processing fee x. Guarantees issued in Pakistan against g. Non-reimbursable LCs under First For each Minimum transactions i.e. import bills (PAD)/ xxvi ERF loan obtained from us whereas export ii. Comprehensive insurance policy premium 100% cash margin on which no return/ barter/AID/Loans quarter subsequent collections (IB)/contract/advance iv. Overdue FAFB/FAPC overdue export routed through other bank profit is paid (commission) quarter payments and consignment payment refinance iii. Late payment charges xi. Guarantee revalidation/renewal 1% 0.30% Rs.1,500/- remittance against import, with or without xxvii Handling of advance payment documents/ ADVANCES ii. Late payment charges LC/advance payment v. FE-25 loans i.e. overdue FLATR in endorsement on bill of lading iv. Safe custody fee for holding/safe keeping commission after expiry imports and FBD, pre or post shipment in A. CHARGES: i. Processing fee for facilities upto Rs.1M the excise file/title documents against h. LCs under suppliers/buyers credit, Commission @ 0.40% per qtr. or part thereof. exports Over Rs.1M upto Rs.10M vii. WEBOC charges for EIF xxviii Issuance of NOC to shipping companies in i. Miscellaneous charges i.e. a) On delayed payment of principal/ which finance for purchase of vehicle has xii. Authenticity confirmation charges PAYES (Pay as you earn scheme) and (At the time of opening of LC to be charged on full Over Rs.10M upto Rs.25M installment on due date (without any been adjusted deferred payment LCs for period over amount of LC liability plus interest payable thereon viii. Transfer of EIF to other banks case of surrender/loss of B/L charges of documentation, Above Rs.25M evaluation of security, search, grace period) xiii. Vetting of bank guarantees - In house one year for the period from the date of opening of LC till ix. Reimbursement charges (payable to v. Early payment/prepayment charges/ the expiry of LC, thereafter commission is to be reimbursing banks) vi. Letter or intimation of any sort sent to xxix Transfer of export proceeds to other bank mortgage charge registration, ii. Vacation of charge fee/release of where no documents handled at our end vehicle registration and maintenance balloon payment charges xiv. Re-Issuance/duplicate issuvance of LG recovered on six monthly basis on reducing other bank security charges liability). All such LCs will be opened subject to B. EXPORTS: Note: NOC to other banks for EFE thereof, etc. in addition to that: approval xxx Export LC cancellation b) On delayed payment of mark-up after vi. Vehicle repossession charges i. Letter of Credit (Weboc) approved by us is no longer iii. Processing fee for interim extension/ due date (including grace period if any) xv. Expired guarantee handling charges required a. Project examination fee review i. LC draft processing charges - For Rs. 1,500/- per LC a. Advising xxxi Any out of pocket expense of the bank not customers who subsequently do not mentioned in the SOC open LC vii. Handling of transaction of indirect iv. Late payment charges G. GUARANTEES exporters (SPO) b. Commitment fee on undisbursed D. REMITTANCES (FOREIGN CURRENCY): balance (from the date of sanction to ii. Sight Bills: a) On delayed payment of E. CONSUMER FINANCE: i. Guarantees issued to shipping companies/ b. Amendment the date of disbursement, only on fund principle/mark-up on due date after airlines in lieu of bills of lading/ a. Mark-up on import bills under LC, 20% p.a. plus other charges as per SOC viii. Submission of application for freight i. Outward: subsidy based commitments) grace period i. Soneri Car Finance endorsement of airway bills overdue mark-up from PAD a. FDD/FTT lodgment/negotiation date to the c. Stamp paper/adhesive stamp b) Late payment of installments a. Processing fee ii. Guarantees issued to collector of custom date of payment ix. Issuance of proceeds realization certificates (Annex: A) for rebate claims charges for all borrowing and financing in lieu of payment of export duty which documents b. In case documents are retired after 15 0.25% p.a. on PAD balance outstanding as of 15th c. Confirmation b. FDD cancellation charges C. PLEDGE/HYPOTHECATION FINANCING: are valid up to 6 months x. Obtaining SBP approval for FX days, bank's commission to be day (Service charges are exempted for SBL charged in addition to PAD overdue transactions i. Movement out of shares pledged iii. Guarantees issued for gas connection and staff financing, however cost of stamp b. Comprehensive insurance policy in favor of SSGC/SNGPL mark-up paper/adhesive stamp will be xi. Correspondent's charges c. FDD stop payment ii. Godown rent premium c. Delay reimbursement mark-up in case 20% overdue mark-up (from the date of our d. Transfer of export LCs recovered at actual) iv. Other guarantees of LC where negotiating bank claims nostro debited till the date of bill/acceptance, xii. For verification of test or authenticity of iii. Salaries of godown keepers/chowkidars c. Early settlement/prepayment charges directly from our nostro and customer retirement or lodgment of PAD/FADB) or as per SWIFT message on behalf of other banks ii. Legal charges a. On behalf of residents in Pakistan retires the bill/acceptance after the date arrangement with the customer d. Duplicate FDD issuance charges a. In-house legal advice (pre-mortgage) iv. Stock inspection, if conducted by bank d. Balloon payment charges of claim. (in case of PAD/FADB, the Handling of export documents under staff transferred LC xiii. Duplicate advices, annexures, PRC, etc. booking date will be the date of our b. In-house legal advice (post-mortgage) e. Late payment charges b. Issued in Pakistan on behalf of nostro debited) ii. If the documents are sent to other banks xiv. Obtaining credit reports from foreign e. Service charges against issuance of non-resident against the counter for negotiation under restricted LCs supplier/vendor FTT/FDD against rupee account c. Outside legal advice v. Stock inspection, if conducted by agents f. Vehicle repossession charges guarantee of correspondent/foreign iii. Usance Bills: appointed by bank bank a. Usance LC expiry commission to be 0.25% or Rs. 2,000/- whichever is higher, is to be iii. Negotiation/Purchase of export bills under f. Remittances/Encashment from FC a/c Obtaining from foreign banks through d. Drafting of agreement/mortgage deed recovered at the time of acceptance recovered at the time of retirement of the cases, sight or usance LC or DP collection within 10 days of deposit of FCY notes. & power of attorney etc. vi. Inspection of vessels for scrapping/stock of maturity payment which are beyond validity of LC, number of days SWIFT of scrap of vessels g. Safe custody fee for holding/safe from LC validity date till retirement date. ii. Inward: iii. To mark lien on securities issued by other keeping the excise file/title documents However, no commission is to be charged if the iv. Scrutiny of export documents presented Banks/DFIs vii. Delivery charges, if godown keeper is not against which finance for purchase of maturity/payment period of the bills falls within the under LC by exporter a. Others posted vehicle has been adjusted

03 period for LC opening commission & which has v. Handling & service charges for overdue xv. Discrepancy fee, if discrepant documents b. Indenting commission iv. Legal documentation cost viii. Other incidental expenses, insurance h. Re-issuance of NOC already been recovered export bills reporting are presented premium, legal charges, etc. v. Redemption fee to be recovered from ii. Soneri Personal Finance b. Overdue mark-up in case DA/usance 20% overdue mark-up flat (from the date of vi. Export bills returned unpaid xvi Handling charges in lieu of exchange c. Return of inward remittance party when bank officers are required to ix. FIM commission for retail customers only bills are not paid by importers on the acceptance maturity till adjustment date) is to be earnings where importer buys foreign go before registrar for redemption of the a. Processing fee due date recovered on bill value or pricing, as per credit exchange from some other bank for LC d. Issuance of proceeds realization mortgage a. Commission INTERNATIONAL BANKING approval, will be applied vii. Circulation of loss of "E" form opened/contract registered with us certificate of remittance dated beyond (recoverable from bank’s own one year vi. ECIB report charges x. Penal charges on overdue FIM/FTR b. Early settlement/prepayment charges A. IMPORTS: Note: customers) xvii Handling & service charges in lieu of exchange earnings where an exporter E. COLLECTION (FOREIGN CURRENCY): vii. For issuance of any NOC for pari-passu c. Balloon payment charges b. Other charges i. Letter of Credit: - No mark-up to be charged from the date of negotiation to the date of lodgment if 100% interest/return free viii. Transfer of EFE to other banks cash margin is provided sells foreign exchange to some other bank charge/JPP charge or reduction/ xi. Clearing & forwarding agent fee for while documents were sent for collection i. Outward: amendment in the charge amount/ clearing/off-loading imported goods from d. Late payment charges ix. Collections vi. Amendments - Where value date of debit to our account is mentioned on covering schedule/telex/SWIFT intimation, through us a. Cheques/Bank drafts/TCs etc. description carrier a. Opening of LC mark-up to be charged from such effective value date a. Handling of export documents iii. Soneri Ghar Finance xviii Reimbursement payment to/from other viii. Credit worthiness report/BIR fee from xii. Late payment charges a. Amendment in text not involving Upto Rs. 10 M change in amount and tenor - Rates are subject to adjustment after obtaining approval of the competent authority, in consideration of Collection (sent on collection under LC local banks from non-resident rupee outsource evaluator a. Processing fee Over Rs. 10 M upto Rs. 100 M business volumes/values & arrangements with the customers & contract basis) accounts a) On delayed payment of principal/ installment on due date (without any b. Increase in amount and or extension in Over Rs.100 M upto Rs.200 M period Above Rs. 200 M - When reimbursement is made upon receipt of documents, mark-up is to be charged from the date of Advance payment xix Assignment of proceeds to other banks ix. Project evaluation/appraisal fee from grace period) remittance outsource evaluator b. Mortgage protection insurance xx Business performance certificate b. Cheques returned unpaid premium b. If payment of exports/advance c. SWIFT charges iv. Import bills returned unpaid US$ 100/- flat from the forwarding bank plus payment to Afghanistan & Central Asian x. Vacation of charge fee/release of courier charges xxi Export refinance application - Handling security b) On delayed payment of mark-up on due c. Early settlement/prepayment charges Republics is deposited in FCY notes in c. USD clearing through NIFT vii. Claim Handling Charges b. Revalidation commission of expired LC FC accounts/encashment in PKR charges date (including grace period if any) (0% prepayment charges after 5 years v. a. Documentary collections Rs.1,250/- flat for all import bills under contract, ERF substitution xi. Late payment charges of loan disbursement) collection, consignment and advance payment a. LG issued to beneficiary in Pakistan on c. Submission of shipping documents by ii. Inward: behalf of resident c. Transfer to new beneficiary exporter against advance payments xxii LTFF (Long term finance facility under a) On delayed payment of principle/ d. Balloon payment charges b. Registration of import contract 0.20%, minimum Rs.1,500/- beyond 90 days from shipment date SBP scheme) - Handlving charges a. Inward clean collections received from mark-up on due date after grace period abroad or local banks xiii. Issuance of delivery order for release of e. Late payment charges b. LG issued to beneficiary in Pakistan d. Commission on establishment of LC c. Import contract amendment Rs.1,000/- on each subsequent amendment in xxiii EE certification b) Late payment of installments pledged stocks against counter guarantee from /contract against 100% margin registration C. OTHER TRADE CHARGES: b. Inward FCY cheque returned unpaid f. Safe custody fee for holding/safe correspondent/foreign bank xxiv EE NOC issued to other banks under ERF due to insufficient balance xii. Safe custody fee for holding/safe keeping keeping the property documents e. Amendments If increase in amount and/or period is Commission as per registration of import contract i. Handling of duty draw back claims scheme the property documents against which all against which no exposure is outstanding viii. Cancellation charges within expiry of involved on increased amount only the lines have been cancelled/no guarantee ii. Handling of research & development xxv Handling of three way merchanting trade F. PURCHASE OF CLEAN COLLECTION: exposure outstanding Note: The commission mentioned above is subject to adjustment after obtaining approval of the competent support claims - SBP transactions by firms and companies in F. COMMERCIAL FINANCING OF CARS/VEHICLES authority based on annual volumes/values & arrangements with the customer. Pakistan through back to back L/Cs or i. Purchase of clean FCY Instruments like xiii. Digital external verification charges D. AGRICULTURE FINANCE: ix. Consortium guarantees f. LC cancellation charges iii. Collection of export development advance payments etc. cheques, bank drafts, TCs, etc. i. Processing fee vi. Service charges against import 0.15%, minimum Rs. 1,000/- per transaction surcharge xiv. Income estimation charges i. Processing fee x. Guarantees issued in Pakistan against g. Non-reimbursable LCs under transactions i.e. import bills (PAD)/ xxvi ERF loan obtained from us whereas export ii. Comprehensive insurance policy premium 100% cash margin on which no return/ barter/AID/Loans collections (IB)/contract/advance iv. Overdue FAFB/FAPC overdue export routed through other bank profit is paid payments and consignment payment refinance iii. Late payment charges remittance against import, with or without xxvii Handling of advance payment documents/ ADVANCES ii. Late payment charges xi. Guarantee revalidation/renewal LC/advance payment v. FE-25 loans i.e. overdue FLATR in endorsement on bill of lading iv. Safe custody fee for holding/safe keeping commission after expiry imports and FBD, pre or post shipment in A. CHARGES: i. Processing fee for facilities upto Rs.1M the excise file/title documents against h. LCs under suppliers/buyers credit, vii. WEBOC charges for EIF Rs. 25/- per request exports Over Rs.1M upto Rs.10M a) On delayed payment of principal/ which finance for purchase of vehicle has xii. Authenticity confirmation charges PAYES (Pay as you earn scheme) and xxviii Issuance of NOC to shipping companies in i. Miscellaneous charges i.e. Over Rs.10M upto Rs.25M viii. Transfer of EIF to other banks Rs. 500/- flat per transaction case of surrender/loss of B/L charges of documentation, installment on due date (without any been adjusted deferred payment LCs for period over Above Rs.25M grace period) xiii. Vetting of bank guarantees - In house one year ix. Reimbursement charges (payable to At actual evaluation of security, search, xxix Transfer of export proceeds to other bank v. Early payment/prepayment charges/ reimbursing banks) vi. Letter or intimation of any sort sent to mortgage charge registration, ii. Vacation of charge fee/release of where no documents handled at our end vehicle registration and maintenance balloon payment charges xiv. Re-Issuance/duplicate issuvance of LG other bank security charges B. EXPORTS: thereof, etc. in addition to that: Note: NOC to other banks for EFE xxx Export LC cancellation b) On delayed payment of mark-up after vi. Vehicle repossession charges i. Letter of Credit (Weboc) approved by us is no longer iii. Processing fee for interim extension/ due date (including grace period if any) xv. Expired guarantee handling charges required a. Project examination fee review i. LC draft processing charges - For a. Advising Rs. 1,500/- for customers xxxi Any out of pocket expense of the bank not customers who subsequently do not Rs. 2,500/- for non-customers mentioned in the SOC open LC vii. Handling of transaction of indirect iv. Late payment charges G. GUARANTEES Plus SWIFT and courier charges exporters (SPO) b. Commitment fee on undisbursed D. REMITTANCES (FOREIGN CURRENCY): balance (from the date of sanction to ii. Sight Bills: a) On delayed payment of E. CONSUMER FINANCE: i. Guarantees issued to shipping companies/ b. Amendment Rs. 1,000/- for customers the date of disbursement, only on fund principle/mark-up on due date after airlines in lieu of bills of lading/ a. Mark-up on import bills under LC, viii. Submission of application for freight i. Outward: Rs. 1,500/- for non-customers subsidy based commitments) grace period i. Soneri Car Finance endorsement of airway bills overdue mark-up from PAD Plus SWIFT and courier charges (whichever is a. FDD/FTT lodgment/negotiation date to the applicable) c. Stamp paper/adhesive stamp b) Late payment of installments a. Processing fee ii. Guarantees issued to collector of custom date of payment ix. Issuance of proceeds realization certificates (Annex: A) for rebate claims charges for all borrowing and financing in lieu of payment of export duty which documents b. In case documents are retired after 15 c. Confirmation 0.40% per quarter, minimum Rs.1,200/- b. FDD cancellation charges C. PLEDGE/HYPOTHECATION FINANCING: are valid up to 6 months Plus SWIFT and courier charges (whichever is x. Obtaining SBP approval for FX days, bank's commission to be (Service charges are exempted for SBL charged in addition to PAD overdue applicable) transactions i. Movement out of shares pledged iii. Guarantees issued for gas connection and staff financing, however cost of stamp b. Comprehensive insurance policy in favor of SSGC/SNGPL mark-up paper/adhesive stamp will be xi. Correspondent's charges c. FDD stop payment ii. Godown rent premium c. Delay reimbursement mark-up in case d. Transfer of export LCs Rs.1,250/- flat plus SWIFT &/or postage charges recovered at actual) iv. Other guarantees of LC where negotiating bank claims Rs.15,000/- flat, if with substitution of documents xii. For verification of test or authenticity of iii. Salaries of godown keepers/chowkidars c. Early settlement/prepayment charges directly from our nostro and customer plus SWIFT &/or postage charges SWIFT message on behalf of other banks ii. Legal charges a. On behalf of residents in Pakistan retires the bill/acceptance after the date d. Duplicate FDD issuance charges a. In-house legal advice (pre-mortgage) iv. Stock inspection, if conducted by bank d. Balloon payment charges of claim. (in case of PAD/FADB, the Handling of export documents under US$ 100/- per document staff transferred LC xiii. Duplicate advices, annexures, PRC, etc. booking date will be the date of our b. In-house legal advice (post-mortgage) e. Late payment charges b. Issued in Pakistan on behalf of nostro debited) ii. If the documents are sent to other banks Rs.1,200/- flat handling charges plus 0.13% xiv. Obtaining credit reports from foreign e. Service charges against issuance of non-resident against the counter for negotiation under restricted LCs service charges supplier/vendor FTT/FDD against rupee account c. Outside legal advice v. Stock inspection, if conducted by agents f. Vehicle repossession charges guarantee of correspondent/foreign iii. Usance Bills: appointed by bank bank a. Usance LC expiry commission to be iii. Negotiation/Purchase of export bills under If proceeds not realized within due date then f. Remittances/Encashment from FC a/c Obtaining from foreign banks through d. Drafting of agreement/mortgage deed recovered at the time of acceptance sight or usance LC or DP collection overdue mark-up @ 20% or pricing as per credit within 10 days of deposit of FCY notes. & power of attorney etc. vi. Inspection of vessels for scrapping/stock of maturity payment approval will be applied SWIFT of scrap of vessels g. Safe custody fee for holding/safe ii. Inward: iii. To mark lien on securities issued by other keeping the excise file/title documents iv. Scrutiny of export documents presented Clean documents Rs.1,000/- Banks/DFIs vii. Delivery charges, if godown keeper is not against which finance for purchase of under LC by exporter Discrepant documents Rs. 2,000/- a. Others posted vehicle has been adjusted

04 v. Handling & service charges for overdue Rs. 1,200/- per bill for all overdue bills xv. Discrepancy fee, if discrepant documents b. Indenting commission iv. Legal documentation cost viii. Other incidental expenses, insurance h. Re-issuance of NOC export bills reporting are presented premium, legal charges, etc. v. Redemption fee to be recovered from ii. Soneri Personal Finance b. Overdue mark-up in case DA/usance vi. Export bills returned unpaid Rs. 1,250/- flat per transaction plus xvi Handling charges in lieu of exchange c. Return of inward remittance party when bank officers are required to ix. FIM commission for retail customers only bills are not paid by importers on the correspondent bank charges earnings where importer buys foreign go before registrar for redemption of the a. Processing fee due date exchange from some other bank for LC d. Issuance of proceeds realization mortgage a. Commission INTERNATIONAL BANKING vii. Circulation of loss of "E" form Rs. 1,000/- opened/contract registered with us certificate of remittance dated beyond (recoverable from bank’s own one year vi. ECIB report charges x. Penal charges on overdue FIM/FTR b. Early settlement/prepayment charges A. IMPORTS: customers) xvii Handling & service charges in lieu of b. Other charges i. Letter of Credit: exchange earnings where an exporter E. COLLECTION (FOREIGN CURRENCY): vii. For issuance of any NOC for pari-passu c. Balloon payment charges viii. Transfer of EFE to other banks Rs. 500/- flat per transaction sells foreign exchange to some other bank charge/JPP charge or reduction/ xi. Clearing & forwarding agent fee for while documents were sent for collection i. Outward: amendment in the charge amount/ clearing/off-loading imported goods from d. Late payment charges ix. Collections vi. Amendments through us a. Cheques/Bank drafts/TCs etc. description carrier a. Opening of LC a. Handling of export documents iii. Soneri Ghar Finance xviii Reimbursement payment to/from other viii. Credit worthiness report/BIR fee from xii. Late payment charges a. Amendment in text not involving Upto Rs. 10 M change in amount and tenor Collection (sent on collection under LC local banks from non-resident rupee outsource evaluator a. Processing fee Over Rs. 10 M upto Rs. 100 M 0.15% of realized bill amount, minimum & contract basis) Rs. 2,000/- plus SWIFT charges, if any accounts a) On delayed payment of principal/ installment on due date (without any b. Increase in amount and or extension in Over Rs.100 M upto Rs.200 M period Above Rs. 200 M Advance payment 0.15% of realized bill amount minimum Rs.1,000/- xix Assignment of proceeds to other banks ix. Project evaluation/appraisal fee from grace period) outsource evaluator b. Mortgage protection insurance xx Business performance certificate b. Cheques returned unpaid premium b. If payment of exports/advance 0.15% for Karachi c. SWIFT charges iv. Import bills returned unpaid payment to Afghanistan & Central Asian 0.30% for other cities x. Vacation of charge fee/release of xxi Export refinance application - Handling security b) On delayed payment of mark-up on due c. Early settlement/prepayment charges Republics is deposited in FCY notes in minimum 500/- per transaction (for both cases) c. USD clearing through NIFT vii. Claim Handling Charges b. Revalidation commission of expired LC FC accounts/encashment in PKR charges date (including grace period if any) (0% prepayment charges after 5 years v. a. Documentary collections ERF substitution xi. Late payment charges of loan disbursement) a. LG issued to beneficiary in Pakistan on c. Submission of shipping documents by Rs. 500/- per shipping document ii. Inward: behalf of resident c. Transfer to new beneficiary exporter against advance payments xxii LTFF (Long term finance facility under a) On delayed payment of principle/ d. Balloon payment charges b. Registration of import contract beyond 90 days from shipment date SBP scheme) - Handlving charges a. Inward clean collections received from mark-up on due date after grace period abroad or local banks xiii. Issuance of delivery order for release of e. Late payment charges b. LG issued to beneficiary in Pakistan d. Commission on establishment of LC c. Import contract amendment xxiii EE certification b) Late payment of installments pledged stocks against counter guarantee from /contract against 100% margin C. OTHER TRADE CHARGES: b. Inward FCY cheque returned unpaid f. Safe custody fee for holding/safe correspondent/foreign bank 0.35% minimum Rs. 750/- per claim xxiv EE NOC issued to other banks under ERF due to insufficient balance xii. Safe custody fee for holding/safe keeping keeping the property documents e. Amendments If increase in amount and/or period is i. Handling of duty draw back claims scheme the property documents against which all against which no exposure is outstanding viii. Cancellation charges within expiry of guarantee involved 0.50% minimum Rs. 750/- per claim the lines have been cancelled/no ii. Handling of research & development xxv Handling of three way merchanting trade F. PURCHASE OF CLEAN COLLECTION: exposure outstanding support claims - SBP transactions by firms and companies in F. COMMERCIAL FINANCING OF CARS/VEHICLES i. Purchase of clean FCY Instruments like ix. Consortium guarantees Rs. 80/- per transaction to be charged to exporters Pakistan through back to back L/Cs or xiii. Digital external verification charges D. AGRICULTURE FINANCE: f. LC cancellation charges iii. Collection of export development advance payments etc. cheques, bank drafts, TCs, etc. i. Processing fee vi. Service charges against import surcharge xiv. Income estimation charges i. Processing fee x. Guarantees issued in Pakistan against transactions i.e. import bills (PAD)/ ii. Comprehensive insurance policy premium 100% cash margin on which no return/ g. Non-reimbursable LCs under 20% p.a. from the date of overdue/maturity to the xxvi ERF loan obtained from us whereas export barter/AID/Loans collections (IB)/contract/advance iv. Overdue FAFB/FAPC overdue export routed through other bank profit is paid payments and consignment payment refinance date of payment iii. Late payment charges remittance against import, with or without ADVANCES ii. Late payment charges xi. Guarantee revalidation/renewal For FE-25 loans i.e. overdue FLATR in import and xxvii Handling of advance payment documents/ LC/advance payment v. FE-25 loans i.e. overdue FLATR in endorsement on bill of lading iv. Safe custody fee for holding/safe keeping commission after expiry imports and FBD, pre or post shipment in FBD, pre & post shipment in export cases, rate will A. CHARGES: i. Processing fee for facilities upto Rs.1M the excise file/title documents against h. LCs under suppliers/buyers credit, exports be applied in addition to 5% on agreed pricing, in Over Rs.1M upto Rs.10M vii. WEBOC charges for EIF xxviii Issuance of NOC to shipping companies in i. Miscellaneous charges i.e. a) On delayed payment of principal/ which finance for purchase of vehicle has xii. Authenticity confirmation charges PAYES (Pay as you earn scheme) and case of exceptions approval from competent Over Rs.10M upto Rs.25M installment on due date (without any been adjusted deferred payment LCs for period over viii. Transfer of EIF to other banks authority is required case of surrender/loss of B/L charges of documentation, Above Rs.25M evaluation of security, search, grace period) xiii. Vetting of bank guarantees - In house one year ix. Reimbursement charges (payable to v. Early payment/prepayment charges/ reimbursing banks) Rs. 675/- per case xxix Transfer of export proceeds to other bank mortgage charge registration, ii. Vacation of charge fee/release of vi. Letter or intimation of any sort sent to where no documents handled at our end balloon payment charges xiv. Re-Issuance/duplicate issuvance of LG other bank vehicle registration and maintenance security B. EXPORTS: thereof, etc. in addition to that: charges Note: NOC to other banks for EFE xxx Export LC cancellation b) On delayed payment of mark-up after vi. Vehicle repossession charges i. Letter of Credit (Weboc) approved by us is no longer iii. Processing fee for interim extension/ due date (including grace period if any) xv. Expired guarantee handling charges required a. Project examination fee review i. LC draft processing charges - For a. Advising xxxi Any out of pocket expense of the bank not customers who subsequently do not Rs. 500/- per case mentioned in the SOC open LC vii. Handling of transaction of indirect iv. Late payment charges G. GUARANTEES exporters (SPO) b. Commitment fee on undisbursed D. REMITTANCES (FOREIGN CURRENCY): balance (from the date of sanction to ii. Sight Bills: a) On delayed payment of E. CONSUMER FINANCE: i. Guarantees issued to shipping companies/ b. Amendment Rs. 675/- per case the date of disbursement, only on fund principle/mark-up on due date after airlines in lieu of bills of lading/ a. Mark-up on import bills under LC, viii. Submission of application for freight i. Outward: subsidy based commitments) grace period i. Soneri Car Finance endorsement of airway bills overdue mark-up from PAD a. FDD/FTT lodgment/negotiation date to the Rs. 500/- per certificate c. Stamp paper/adhesive stamp b) Late payment of installments a. Processing fee ii. Guarantees issued to collector of custom date of payment ix. Issuance of proceeds realization certificates (Annex: A) for rebate claims charges for all borrowing and financing in lieu of payment of export duty which documents b. In case documents are retired after 15 c. Confirmation b. FDD cancellation charges C. PLEDGE/HYPOTHECATION FINANCING: are valid up to 6 months x. Obtaining SBP approval for FX Rs. 1,250/- per case days, bank's commission to be (Service charges are exempted for SBL charged in addition to PAD overdue transactions i. Movement out of shares pledged iii. Guarantees issued for gas connection and staff financing, however cost of stamp b. Comprehensive insurance policy in favor of SSGC/SNGPL mark-up paper/adhesive stamp will be xi. Correspondent's charges At actual c. FDD stop payment ii. Godown rent premium c. Delay reimbursement mark-up in case d. Transfer of export LCs recovered at actual) iv. Other guarantees of LC where negotiating bank claims xii. For verification of test or authenticity of Rs. 350/- plus SWIFT charges &/or postage iii. Salaries of godown keepers/chowkidars c. Early settlement/prepayment charges directly from our nostro and customer SWIFT message on behalf of other banks ii. Legal charges a. On behalf of residents in Pakistan retires the bill/acceptance after the date d. Duplicate FDD issuance charges a. In-house legal advice (pre-mortgage) iv. Stock inspection, if conducted by bank d. Balloon payment charges of claim. (in case of PAD/FADB, the Handling of export documents under transferred LC xiii. Duplicate advices, annexures, PRC, etc. Rs. 200/- per item staff booking date will be the date of our b. In-house legal advice (post-mortgage) e. Late payment charges b. Issued in Pakistan on behalf of nostro debited) ii. If the documents are sent to other banks xiv. Obtaining credit reports from foreign a) On foreign suppliers - Actual charges of credit e. Service charges against issuance of non-resident against the counter v. Stock inspection, if conducted by agents f. Vehicle repossession charges guarantee of correspondent/foreign iii. Usance Bills: for negotiation under restricted LCs supplier/vendor rating company, minimum Rs. 500/- plus FTT/FDD against rupee account c. Outside legal advice foreign bank/agent charges (if any) appointed by bank bank a. Usance LC expiry commission to be iii. Negotiation/Purchase of export bills under f. Remittances/Encashment from FC a/c Obtaining from foreign banks through d. Drafting of agreement/mortgage deed recovered at the time of acceptance sight or usance LC or DP collection b) To foreign banks on their request - US$ 100/- within 10 days of deposit of FCY notes. & power of attorney etc. vi. Inspection of vessels for scrapping/stock of maturity payment SWIFT from foreign banks plus SWIFT charges of scrap of vessels g. Safe custody fee for holding/safe keeping the excise file/title documents c) To foreign banks on customer's request - ii. Inward: iii. To mark lien on securities issued by other iv. Scrutiny of export documents presented Banks/DFIs vii. Delivery charges, if godown keeper is not against which finance for purchase of under LC by exporter Rs. 625/- plus SWIFT charges a. Others posted vehicle has been adjusted

05 v. Handling & service charges for overdue xv. Discrepancy fee, if discrepant documents US$ 100/- or equivalent in Rupees plus SWIFT b. Indenting commission iv. Legal documentation cost viii. Other incidental expenses, insurance h. Re-issuance of NOC export bills reporting are presented charges premium, legal charges, etc. v. Redemption fee to be recovered from ii. Soneri Personal Finance b. Overdue mark-up in case DA/usance vi. Export bills returned unpaid xvi Handling charges in lieu of exchange 0.13%, minimum Rs. 750/- c. Return of inward remittance party when bank officers are required to ix. FIM commission for retail customers only bills are not paid by importers on the earnings where importer buys foreign go before registrar for redemption of the a. Processing fee due date exchange from some other bank for LC d. Issuance of proceeds realization mortgage a. Commission INTERNATIONAL BANKING vii. Circulation of loss of "E" form opened/contract registered with us certificate of remittance dated beyond (recoverable from bank’s own one year vi. ECIB report charges x. Penal charges on overdue FIM/FTR b. Early settlement/prepayment charges A. IMPORTS: customers) xvii Handling & service charges in lieu of 0.05%, minimum Rs. 1,000/- b. Other charges i. Letter of Credit: exchange earnings where an exporter E. COLLECTION (FOREIGN CURRENCY): vii. For issuance of any NOC for pari-passu c. Balloon payment charges viii. Transfer of EFE to other banks sells foreign exchange to some other bank charge/JPP charge or reduction/ xi. Clearing & forwarding agent fee for while documents were sent for collection i. Outward: amendment in the charge amount/ clearing/off-loading imported goods from d. Late payment charges ix. Collections vi. Amendments through us a. Cheques/Bank drafts/TCs etc. description carrier a. Opening of LC a. Handling of export documents iii. Soneri Ghar Finance xviii Reimbursement payment to/from other Rs. 500/- flat viii. Credit worthiness report/BIR fee from xii. Late payment charges a. Amendment in text not involving Upto Rs. 10 M change in amount and tenor Collection (sent on collection under LC local banks from non-resident rupee outsource evaluator a. Processing fee Over Rs. 10 M upto Rs. 100 M & contract basis) accounts a) On delayed payment of principal/ installment on due date (without any b. Increase in amount and or extension in Over Rs.100 M upto Rs.200 M period Above Rs. 200 M Advance payment xix Assignment of proceeds to other banks Rs. 1,200/- plus SWIFT charges ix. Project evaluation/appraisal fee from grace period) outsource evaluator b. Mortgage protection insurance xx Business performance certificate Rs. 625/- per certificate b. Cheques returned unpaid premium b. If payment of exports/advance c. SWIFT charges iv. Import bills returned unpaid payment to Afghanistan & Central Asian x. Vacation of charge fee/release of xxi Export refinance application - Handling Rs. 700/- per application security b) On delayed payment of mark-up on due c. Early settlement/prepayment charges Republics is deposited in FCY notes in vii. Claim Handling Charges b. Revalidation commission of expired LC FC accounts/encashment in PKR charges c. USD clearing through NIFT date (including grace period if any) (0% prepayment charges after 5 years v. a. Documentary collections ERF substitution Rs. 625/- per case xi. Late payment charges of loan disbursement) a. LG issued to beneficiary in Pakistan on c. Submission of shipping documents by ii. Inward: behalf of resident c. Transfer to new beneficiary exporter against advance payments xxii LTFF (Long term finance facility under Rs. 2,000/- per case a) On delayed payment of principle/ d. Balloon payment charges b. Registration of import contract beyond 90 days from shipment date SBP scheme) - Handlving charges a. Inward clean collections received from mark-up on due date after grace period abroad or local banks xiii. Issuance of delivery order for release of e. Late payment charges b. LG issued to beneficiary in Pakistan d. Commission on establishment of LC c. Import contract amendment xxiii EE certification Rs. 1,000/- per case b) Late payment of installments pledged stocks against counter guarantee from /contract against 100% margin C. OTHER TRADE CHARGES: b. Inward FCY cheque returned unpaid f. Safe custody fee for holding/safe correspondent/foreign bank xxiv EE NOC issued to other banks under ERF Rs. 1,500/- per case due to insufficient balance xii. Safe custody fee for holding/safe keeping keeping the property documents e. Amendments If increase in amount and/or period is i. Handling of duty draw back claims scheme the property documents against which all against which no exposure is outstanding viii. Cancellation charges within expiry of involved the lines have been cancelled/no guarantee ii. Handling of research & development xxv Handling of three way merchanting trade Rs. 2,000/- flat per transaction in addition to F. PURCHASE OF CLEAN COLLECTION: exposure outstanding support claims - SBP transactions by firms and companies in related service charges F. COMMERCIAL FINANCING OF CARS/VEHICLES Pakistan through back to back L/Cs or i. Purchase of clean FCY Instruments like xiii. Digital external verification charges D. AGRICULTURE FINANCE: ix. Consortium guarantees f. LC cancellation charges iii. Collection of export development advance payments etc. cheques, bank drafts, TCs, etc. i. Processing fee vi. Service charges against import surcharge xiv. Income estimation charges i. Processing fee x. Guarantees issued in Pakistan against g. Non-reimbursable LCs under transactions i.e. import bills (PAD)/ xxvi ERF loan obtained from us whereas export Rs. 1,750/- per case ii. Comprehensive insurance policy premium 100% cash margin on which no return/ barter/AID/Loans collections (IB)/contract/advance iv. Overdue FAFB/FAPC overdue export routed through other bank profit is paid payments and consignment payment refinance iii. Late payment charges remittance against import, with or without xxvii Handling of advance payment documents/ Rs. 500/- ADVANCES ii. Late payment charges xi. Guarantee revalidation/renewal LC/advance payment v. FE-25 loans i.e. overdue FLATR in endorsement on bill of lading iv. Safe custody fee for holding/safe keeping commission after expiry imports and FBD, pre or post shipment in A. CHARGES: i. Processing fee for facilities upto Rs.1M the excise file/title documents against h. LCs under suppliers/buyers credit, vii. WEBOC charges for EIF exports Over Rs.1M upto Rs.10M a) On delayed payment of principal/ which finance for purchase of vehicle has xii. Authenticity confirmation charges PAYES (Pay as you earn scheme) and xxviii Issuance of NOC to shipping companies in Rs. 1,000/- i. Miscellaneous charges i.e. Over Rs.10M upto Rs.25M viii. Transfer of EIF to other banks case of surrender/loss of B/L charges of documentation, installment on due date (without any been adjusted deferred payment LCs for period over Above Rs.25M grace period) xiii. Vetting of bank guarantees - In house one year ix. Reimbursement charges (payable to evaluation of security, search, xxix Transfer of export proceeds to other bank Rs. 1,000/- plus TT charges mortgage charge registration, v. Early payment/prepayment charges/ reimbursing banks) vi. Letter or intimation of any sort sent to ii. Vacation of charge fee/release of balloon payment charges xiv. Re-Issuance/duplicate issuvance of LG other bank where no documents handled at our end vehicle registration and maintenance security B. EXPORTS: thereof, etc. in addition to that: charges Note: NOC to other banks for EFE xxx Export LC cancellation Rs. 1,500/- per case plus SWIFT charges b) On delayed payment of mark-up after vi. Vehicle repossession charges i. Letter of Credit (Weboc) approved by us is no longer iii. Processing fee for interim extension/ due date (including grace period if any) xv. Expired guarantee handling charges required a. Project examination fee review i. LC draft processing charges - For a. Advising xxxi Any out of pocket expense of the bank not At actual customers who subsequently do not mentioned in the SOC open LC vii. Handling of transaction of indirect iv. Late payment charges G. GUARANTEES exporters (SPO) b. Commitment fee on undisbursed D. REMITTANCES (FOREIGN CURRENCY): balance (from the date of sanction to ii. Sight Bills: a) On delayed payment of E. CONSUMER FINANCE: i. Guarantees issued to shipping companies/ b. Amendment the date of disbursement, only on fund principle/mark-up on due date after airlines in lieu of bills of lading/ a. Mark-up on import bills under LC, viii. Submission of application for freight i. Outward: subsidy based commitments) grace period i. Soneri Car Finance endorsement of airway bills overdue mark-up from PAD a. FDD/FTT FDD - US$ 15/- or equivalent plus SWIFT charges lodgment/negotiation date to the c. Stamp paper/adhesive stamp b) Late payment of installments a. Processing fee ii. Guarantees issued to collector of custom date of payment ix. Issuance of proceeds realization FTT - US$ 30/- or equivalent plus SWIFT charges certificates (Annex: A) for rebate claims charges for all borrowing and financing in lieu of payment of export duty which documents b. In case documents are retired after 15 c. Confirmation b. FDD cancellation charges US$ 7/- or equivalent plus SWIFT charges and C. PLEDGE/HYPOTHECATION FINANCING: are valid up to 6 months days, bank's commission to be x. Obtaining SBP approval for FX foreign bank charges may also apply (as per actual) transactions (Service charges are exempted for SBL i. Movement out of shares pledged iii. Guarantees issued for gas connection and charged in addition to PAD overdue staff financing, however cost of stamp mark-up b. Comprehensive insurance policy in favor of SSGC/SNGPL xi. Correspondent's charges paper/adhesive stamp will be ii. Godown rent premium c. FDD stop payment US$ 6/- or equivalent plus SWIFT charges. recovered at actual) c. Delay reimbursement mark-up in case d. Transfer of export LCs foreign bank charges may also apply (as per actual) iv. Other guarantees of LC where negotiating bank claims xii. For verification of test or authenticity of iii. Salaries of godown keepers/chowkidars c. Early settlement/prepayment charges directly from our nostro and customer SWIFT message on behalf of other banks ii. Legal charges a. On behalf of residents in Pakistan retires the bill/acceptance after the date d. Duplicate FDD issuance charges US$ 12/- or equivalent plus SWIFT charges a. In-house legal advice (pre-mortgage) iv. Stock inspection, if conducted by bank d. Balloon payment charges of claim. (in case of PAD/FADB, the Handling of export documents under transferred LC xiii. Duplicate advices, annexures, PRC, etc. staff booking date will be the date of our b. In-house legal advice (post-mortgage) e. Late payment charges b. Issued in Pakistan on behalf of nostro debited) ii. If the documents are sent to other banks xiv. Obtaining credit reports from foreign e. Service charges against issuance of Paisa 10 per Rs. 100/-, minimum Rs. 750/- non-resident against the counter for negotiation under restricted LCs supplier/vendor FTT/FDD against rupee account c. Outside legal advice v. Stock inspection, if conducted by agents f. Vehicle repossession charges guarantee of correspondent/foreign iii. Usance Bills: appointed by bank bank a. Usance LC expiry commission to be iii. Negotiation/Purchase of export bills under f. Remittances/Encashment from FC a/c 0.25%, minimum US$ 2/- (or equivalent currency) Obtaining from foreign banks through d. Drafting of agreement/mortgage deed recovered at the time of acceptance sight or usance LC or DP collection within 10 days of deposit of FCY notes. & power of attorney etc. vi. Inspection of vessels for scrapping/stock of maturity payment SWIFT of scrap of vessels g. Safe custody fee for holding/safe ii. Inward: iii. To mark lien on securities issued by other keeping the excise file/title documents iv. Scrutiny of export documents presented Banks/DFIs vii. Delivery charges, if godown keeper is not against which finance for purchase of under LC by exporter a. Others Nil, if proceeds credited to an account with us posted vehicle has been adjusted otherwise charges of Rs. 200/-

06 v. Handling & service charges for overdue xv. Discrepancy fee, if discrepant documents b. Indenting commission Service charges @ Paisas 13 per Rs. 100/-, iv. Legal documentation cost viii. Other incidental expenses, insurance h. Re-issuance of NOC export bills reporting are presented minimum Rs. 200/- premium, legal charges, etc. v. Redemption fee to be recovered from ii. Soneri Personal Finance b. Overdue mark-up in case DA/usance vi. Export bills returned unpaid xvi Handling charges in lieu of exchange c. Return of inward remittance US$ 10/- or equivalent party when bank officers are required to ix. FIM commission for retail customers only bills are not paid by importers on the earnings where importer buys foreign go before registrar for redemption of the a. Processing fee due date exchange from some other bank for LC d. Issuance of proceeds realization Rs. 500/- per certificate mortgage a. Commission INTERNATIONAL BANKING vii. Circulation of loss of "E" form opened/contract registered with us certificate of remittance dated beyond (recoverable from bank’s own one year vi. ECIB report charges x. Penal charges on overdue FIM/FTR b. Early settlement/prepayment charges A. IMPORTS: customers) xvii Handling & service charges in lieu of b. Other charges i. Letter of Credit: exchange earnings where an exporter E. COLLECTION (FOREIGN CURRENCY): vii. For issuance of any NOC for pari-passu c. Balloon payment charges viii. Transfer of EFE to other banks sells foreign exchange to some other bank charge/JPP charge or reduction/ xi. Clearing & forwarding agent fee for while documents were sent for collection i. Outward: amendment in the charge amount/ clearing/off-loading imported goods from d. Late payment charges ix. Collections vi. Amendments through us a. Cheques/Bank drafts/TCs etc. US$ 25/- or equivalent per instrument plus description carrier a. Opening of LC a. Handling of export documents courier charges, in case of TCs iii. Soneri Ghar Finance xviii Reimbursement payment to/from other viii. Credit worthiness report/BIR fee from xii. Late payment charges a. Amendment in text not involving Upto Rs. 10 M change in amount and tenor Collection (sent on collection under LC local banks from non-resident rupee US$ 25/- per collection plus courier charges; outsource evaluator a. Processing fee Over Rs. 10 M upto Rs. 100 M & contract basis) accounts and in case amount is credited in Rupee A/c then a) On delayed payment of principal/ service charges @ Paisas 13 per Rs. 100/-, installment on due date (without any b. Increase in amount and or extension in Over Rs.100 M upto Rs.200 M period Above Rs. 200 M Advance payment xix Assignment of proceeds to other banks minimum Rs. 500/- ix. Project evaluation/appraisal fee from grace period) outsource evaluator b. Mortgage protection insurance xx Business performance certificate b. Cheques returned unpaid Actual charges of returning bank plus US$ 10/- or premium b. If payment of exports/advance c. SWIFT charges iv. Import bills returned unpaid payment to Afghanistan & Central Asian equivalent plus SWIFT charges, if any x. Vacation of charge fee/release of xxi Export refinance application - Handling security b) On delayed payment of mark-up on due c. Early settlement/prepayment charges Republics is deposited in FCY notes in vii. Claim Handling Charges b. Revalidation commission of expired LC FC accounts/encashment in PKR charges c. USD clearing through NIFT US$ 7/- per transaction plus courier charges for date (including grace period if any) (0% prepayment charges after 5 years v. a. Documentary collections ERF substitution branches other then Karachi city xi. Late payment charges of loan disbursement) a. LG issued to beneficiary in Pakistan on c. Submission of shipping documents by ii. Inward: behalf of resident c. Transfer to new beneficiary exporter against advance payments xxii LTFF (Long term finance facility under a) On delayed payment of principle/ d. Balloon payment charges b. Registration of import contract beyond 90 days from shipment date SBP scheme) - Handlving charges a. Inward clean collections received from US$ 10/- per instrument plus SWIFT charges mark-up on due date after grace period abroad or local banks xiii. Issuance of delivery order for release of e. Late payment charges b. LG issued to beneficiary in Pakistan d. Commission on establishment of LC c. Import contract amendment xxiii EE certification b) Late payment of installments pledged stocks against counter guarantee from /contract against 100% margin C. OTHER TRADE CHARGES: b. Inward FCY cheque returned unpaid US$ 10/- per instrument plus courier and SWIFT f. Safe custody fee for holding/safe correspondent/foreign bank xxiv EE NOC issued to other banks under ERF due to insufficient balance charges, if any. Correspondence charges will be xii. Safe custody fee for holding/safe keeping keeping the property documents e. Amendments If increase in amount and/or period is i. Handling of duty draw back claims scheme extra if any the property documents against which all against which no exposure is outstanding viii. Cancellation charges within expiry of involved the lines have been cancelled/no guarantee ii. Handling of research & development xxv Handling of three way merchanting trade F. PURCHASE OF CLEAN COLLECTION: exposure outstanding support claims - SBP transactions by firms and companies in F. COMMERCIAL FINANCING OF CARS/VEHICLES Pakistan through back to back L/Cs or i. Purchase of clean FCY Instruments like Rs. 575/- handling charges - OD buying rates to xiii. Digital external verification charges D. AGRICULTURE FINANCE: ix. Consortium guarantees f. LC cancellation charges iii. Collection of export development advance payments etc. cheques, bank drafts, TCs, etc. be applied. If proceeds are not realized within 12 i. Processing fee vi. Service charges against import surcharge days then paisa 50 per Rs.1,000/- per day to be xiv. Income estimation charges i. Processing fee x. Guarantees issued in Pakistan against g. Non-reimbursable LCs under transactions i.e. import bills (PAD)/ xxvi ERF loan obtained from us whereas export charged ii. Comprehensive insurance policy premium 100% cash margin on which no return/ barter/AID/Loans collections (IB)/contract/advance iv. Overdue FAFB/FAPC overdue export routed through other bank profit is paid payments and consignment payment refinance iii. Late payment charges remittance against import, with or without xxvii Handling of advance payment documents/ ADVANCES ii. Late payment charges xi. Guarantee revalidation/renewal LC/advance payment v. FE-25 loans i.e. overdue FLATR in endorsement on bill of lading iv. Safe custody fee for holding/safe keeping commission after expiry imports and FBD, pre or post shipment in A. CHARGES: i. Processing fee for facilities upto Rs.1M the excise file/title documents against h. LCs under suppliers/buyers credit, vii. WEBOC charges for EIF exports Over Rs.1M upto Rs.10M a) On delayed payment of principal/ which finance for purchase of vehicle has xii. Authenticity confirmation charges PAYES (Pay as you earn scheme) and xxviii Issuance of NOC to shipping companies in i. Miscellaneous charges i.e. At actual Over Rs.10M upto Rs.25M viii. Transfer of EIF to other banks case of surrender/loss of B/L charges of documentation, installment on due date (without any been adjusted deferred payment LCs for period over Above Rs.25M grace period) xiii. Vetting of bank guarantees - In house one year ix. Reimbursement charges (payable to evaluation of security, search, xxix Transfer of export proceeds to other bank mortgage charge registration, v. Early payment/prepayment charges/ reimbursing banks) vi. Letter or intimation of any sort sent to ii. Vacation of charge fee/release of balloon payment charges xiv. Re-Issuance/duplicate issuvance of LG other bank where no documents handled at our end vehicle registration and maintenance security B. EXPORTS: thereof, etc. in addition to that: charges Note: NOC to other banks for EFE xxx Export LC cancellation b) On delayed payment of mark-up after vi. Vehicle repossession charges i. Letter of Credit (Weboc) approved by us is no longer iii. Processing fee for interim extension/ due date (including grace period if any) xv. Expired guarantee handling charges required a. Project examination fee 1% where applicable, minimum Rs. 1,000/- or as review i. LC draft processing charges - For a. Advising xxxi Any out of pocket expense of the bank not per arrangement with customer customers who subsequently do not mentioned in the SOC open LC vii. Handling of transaction of indirect iv. Late payment charges G. GUARANTEES exporters (SPO) b. Commitment fee on undisbursed 0.50%, where applicable D. REMITTANCES (FOREIGN CURRENCY): balance (from the date of sanction to ii. Sight Bills: a) On delayed payment of E. CONSUMER FINANCE: i. Guarantees issued to shipping companies/ b. Amendment the date of disbursement, only on fund principle/mark-up on due date after airlines in lieu of bills of lading/ a. Mark-up on import bills under LC, viii. Submission of application for freight i. Outward: subsidy based commitments) grace period i. Soneri Car Finance endorsement of airway bills overdue mark-up from PAD a. FDD/FTT lodgment/negotiation date to the c. Stamp paper/adhesive stamp At actual b) Late payment of installments a. Processing fee ii. Guarantees issued to collector of custom date of payment ix. Issuance of proceeds realization certificates (Annex: A) for rebate claims charges for all borrowing and financing Additional 7.50% service charges on actual cost of in lieu of payment of export duty which documents stamp papers/adhesive stamps b. In case documents are retired after 15 c. Confirmation b. FDD cancellation charges C. PLEDGE/HYPOTHECATION FINANCING: are valid up to 6 months x. Obtaining SBP approval for FX days, bank's commission to be (Service charges are exempted for SBL charged in addition to PAD overdue transactions i. Movement out of shares pledged iii. Guarantees issued for gas connection and staff financing, however cost of stamp b. Comprehensive insurance policy in favor of SSGC/SNGPL mark-up paper/adhesive stamp will be xi. Correspondent's charges c. FDD stop payment ii. Godown rent premium c. Delay reimbursement mark-up in case d. Transfer of export LCs recovered at actual) iv. Other guarantees of LC where negotiating bank claims xii. For verification of test or authenticity of iii. Salaries of godown keepers/chowkidars c. Early settlement/prepayment charges directly from our nostro and customer SWIFT message on behalf of other banks ii. Legal charges a. On behalf of residents in Pakistan retires the bill/acceptance after the date d. Duplicate FDD issuance charges a. In-house legal advice (pre-mortgage) Rs. 15,000/- iv. Stock inspection, if conducted by bank d. Balloon payment charges of claim. (in case of PAD/FADB, the Handling of export documents under transferred LC xiii. Duplicate advices, annexures, PRC, etc. staff booking date will be the date of our b. In-house legal advice (post-mortgage) Rs. 7,000/- e. Late payment charges b. Issued in Pakistan on behalf of nostro debited) ii. If the documents are sent to other banks xiv. Obtaining credit reports from foreign e. Service charges against issuance of non-resident against the counter for negotiation under restricted LCs supplier/vendor FTT/FDD against rupee account c. Outside legal advice At actual v. Stock inspection, if conducted by agents f. Vehicle repossession charges guarantee of correspondent/foreign iii. Usance Bills: appointed by bank bank a. Usance LC expiry commission to be iii. Negotiation/Purchase of export bills under f. Remittances/Encashment from FC a/c Obtaining from foreign banks through d. Drafting of agreement/mortgage deed Rs. 2,500/- recovered at the time of acceptance sight or usance LC or DP collection within 10 days of deposit of FCY notes. & power of attorney etc. vi. Inspection of vessels for scrapping/stock of maturity payment SWIFT of scrap of vessels g. Safe custody fee for holding/safe ii. Inward: iii. To mark lien on securities issued by other Rs. 500/- keeping the excise file/title documents iv. Scrutiny of export documents presented Banks/DFIs vii. Delivery charges, if godown keeper is not against which finance for purchase of under LC by exporter a. Others posted vehicle has been adjusted

07 v. Handling & service charges for overdue xv. Discrepancy fee, if discrepant documents b. Indenting commission iv. Legal documentation cost At actual plus any out of pocket expenses viii. Other incidental expenses, insurance h. Re-issuance of NOC export bills reporting are presented premium, legal charges, etc. v. Redemption fee to be recovered from Rs. 2,500/- flat ii. Soneri Personal Finance b. Overdue mark-up in case DA/usance vi. Export bills returned unpaid xvi Handling charges in lieu of exchange c. Return of inward remittance party when bank officers are required to ix. FIM commission for retail customers only bills are not paid by importers on the earnings where importer buys foreign go before registrar for redemption of the a. Processing fee due date exchange from some other bank for LC d. Issuance of proceeds realization mortgage a. Commission INTERNATIONAL BANKING vii. Circulation of loss of "E" form opened/contract registered with us certificate of remittance dated beyond (recoverable from bank’s own one year vi. ECIB report charges Rs. 150/- per report x. Penal charges on overdue FIM/FTR b. Early settlement/prepayment charges A. IMPORTS: customers) xvii Handling & service charges in lieu of b. Other charges i. Letter of Credit: exchange earnings where an exporter E. COLLECTION (FOREIGN CURRENCY): vii. For issuance of any NOC for pari-passu Rs. 7,500/- flat c. Balloon payment charges viii. Transfer of EFE to other banks sells foreign exchange to some other bank charge/JPP charge or reduction/ xi. Clearing & forwarding agent fee for while documents were sent for collection i. Outward: amendment in the charge amount/ clearing/off-loading imported goods from d. Late payment charges ix. Collections vi. Amendments through us a. Cheques/Bank drafts/TCs etc. description carrier a. Opening of LC a. Handling of export documents iii. Soneri Ghar Finance xviii Reimbursement payment to/from other viii. Credit worthiness report/BIR fee from Rs. 500/- plus actual charges of credit rating xii. Late payment charges a. Amendment in text not involving Upto Rs. 10 M change in amount and tenor Collection (sent on collection under LC local banks from non-resident rupee outsource evaluator agency. Plus applicable dispatch/communication a. Processing fee Over Rs. 10 M upto Rs. 100 M & contract basis) accounts charges as given a) On delayed payment of principal/ installment on due date (without any b. Increase in amount and or extension in Over Rs.100 M upto Rs.200 M period Above Rs. 200 M Advance payment xix Assignment of proceeds to other banks ix. Project evaluation/appraisal fee from At actual grace period) outsource evaluator b. Mortgage protection insurance xx Business performance certificate b. Cheques returned unpaid premium b. If payment of exports/advance c. SWIFT charges iv. Import bills returned unpaid payment to Afghanistan & Central Asian x. Vacation of charge fee/release of Rs. 1,500/- per property/security xxi Export refinance application - Handling security b) On delayed payment of mark-up on due c. Early settlement/prepayment charges Republics is deposited in FCY notes in c. USD clearing through NIFT vii. Claim Handling Charges b. Revalidation commission of expired LC FC accounts/encashment in PKR charges date (including grace period if any) (0% prepayment charges after 5 years v. a. Documentary collections ERF substitution xi. Late payment charges Late payment charges at 2% p.a. over and above of loan disbursement) approved rate. In case of delayed installment a. LG issued to beneficiary in Pakistan on c. Submission of shipping documents by ii. Inward: behalf of resident c. Transfer to new beneficiary exporter against advance payments xxii LTFF (Long term finance facility under a) On delayed payment of principle/ payment or mark-up payment after grace d. Balloon payment charges b. Registration of import contract beyond 90 days from shipment date SBP scheme) - Handlving charges a. Inward clean collections received from mark-up on due date after grace period period/due date abroad or local banks xiii. Issuance of delivery order for release of e. Late payment charges b. LG issued to beneficiary in Pakistan d. Commission on establishment of LC c. Import contract amendment xxiii EE certification b) Late payment of installments pledged stocks against counter guarantee from /contract against 100% margin C. OTHER TRADE CHARGES: b. Inward FCY cheque returned unpaid f. Safe custody fee for holding/safe correspondent/foreign bank xxiv EE NOC issued to other banks under ERF due to insufficient balance xii. Safe custody fee for holding/safe keeping Rs. 5,000/- per month keeping the property documents e. Amendments If increase in amount and/or period is i. Handling of duty draw back claims scheme the property documents against which all against which no exposure is outstanding viii. Cancellation charges within expiry of involved the lines have been cancelled/no guarantee ii. Handling of research & development xxv Handling of three way merchanting trade F. PURCHASE OF CLEAN COLLECTION: exposure outstanding support claims - SBP transactions by firms and companies in F. COMMERCIAL FINANCING OF CARS/VEHICLES Pakistan through back to back L/Cs or i. Purchase of clean FCY Instruments like xiii. Digital external verification charges At actual D. AGRICULTURE FINANCE: ix. Consortium guarantees f. LC cancellation charges iii. Collection of export development advance payments etc. cheques, bank drafts, TCs, etc. i. Processing fee vi. Service charges against import surcharge xiv. Income estimation charges At actual i. Processing fee x. Guarantees issued in Pakistan against g. Non-reimbursable LCs under transactions i.e. import bills (PAD)/ xxvi ERF loan obtained from us whereas export ii. Comprehensive insurance policy premium 100% cash margin on which no return/ barter/AID/Loans collections (IB)/contract/advance iv. Overdue FAFB/FAPC overdue export routed through other bank Note: Above charges will be recovered in addition to mark-up/return on investment. profit is paid payments and consignment payment refinance iii. Late payment charges B. CORPORATE/COMMERCIAL/RETAIL/SME FINANCE (NEW/RENEWAL/ENHANCEMENT): remittance against import, with or without xxvii Handling of advance payment documents/ ADVANCES ii. Late payment charges xi. Guarantee revalidation/renewal LC/advance payment v. FE-25 loans i.e. overdue FLATR in endorsement on bill of lading iv. Safe custody fee for holding/safe keeping commission after expiry imports and FBD, pre or post shipment in A. CHARGES: i. Processing fee for facilities upto Rs.1M Rs. 3,200/- flat the excise file/title documents against h. LCs under suppliers/buyers credit, vii. WEBOC charges for EIF exports Over Rs.1M upto Rs.10M Rs. 5,500/- flat a) On delayed payment of principal/ which finance for purchase of vehicle has xii. Authenticity confirmation charges PAYES (Pay as you earn scheme) and xxviii Issuance of NOC to shipping companies in i. Miscellaneous charges i.e. Over Rs.10M upto Rs.25M 0.05%, minimum Rs. 8,000/- viii. Transfer of EIF to other banks case of surrender/loss of B/L charges of documentation, installment on due date (without any been adjusted deferred payment LCs for period over Above Rs.25M 0.02%, minimum Rs. 14,000/- grace period) xiii. Vetting of bank guarantees - In house one year ix. Reimbursement charges (payable to evaluation of security, search, xxix Transfer of export proceeds to other bank mortgage charge registration, v. Early payment/prepayment charges/ reimbursing banks) vi. Letter or intimation of any sort sent to ii. Vacation of charge fee/release of Rs. 4,000/- flat balloon payment charges xiv. Re-Issuance/duplicate issuvance of LG other bank where no documents handled at our end vehicle registration and maintenance security B. EXPORTS: thereof, etc. in addition to that: charges Note: NOC to other banks for EFE xxx Export LC cancellation b) On delayed payment of mark-up after vi. Vehicle repossession charges i. Letter of Credit (Weboc) approved by us is no longer iii. Processing fee for interim extension/ Rs. 2,200/- flat due date (including grace period if any) xv. Expired guarantee handling charges required a. Project examination fee review i. LC draft processing charges - For a. Advising xxxi Any out of pocket expense of the bank not customers who subsequently do not mentioned in the SOC open LC vii. Handling of transaction of indirect iv. Late payment charges G. GUARANTEES exporters (SPO) b. Commitment fee on undisbursed D. REMITTANCES (FOREIGN CURRENCY): balance (from the date of sanction to ii. Sight Bills: a) On delayed payment of Late payment charges at 2% p.a. over and above E. CONSUMER FINANCE: i. Guarantees issued to shipping companies/ b. Amendment the date of disbursement, only on fund principle/mark-up on due date after approved rate. In case of delayed installment airlines in lieu of bills of lading/ a. Mark-up on import bills under LC, viii. Submission of application for freight i. Outward: subsidy based commitments) grace period payment or mark-up payment after grace i. Soneri Car Finance endorsement of airway bills overdue mark-up from PAD a. FDD/FTT period/due date lodgment/negotiation date to the c. Stamp paper/adhesive stamp b) Late payment of installments a. Processing fee ii. Guarantees issued to collector of custom date of payment ix. Issuance of proceeds realization certificates (Annex: A) for rebate claims charges for all borrowing and financing in lieu of payment of export duty which documents b. In case documents are retired after 15 c. Confirmation b. FDD cancellation charges C. PLEDGE/HYPOTHECATION FINANCING: are valid up to 6 months x. Obtaining SBP approval for FX days, bank's commission to be (Service charges are exempted for SBL charged in addition to PAD overdue transactions i. Movement out of shares pledged Rs. 500/- per transaction iii. Guarantees issued for gas connection and staff financing, however cost of stamp b. Comprehensive insurance policy in favor of SSGC/SNGPL mark-up paper/adhesive stamp will be xi. Correspondent's charges c. FDD stop payment ii. Godown rent At actual premium c. Delay reimbursement mark-up in case d. Transfer of export LCs recovered at actual) iv. Other guarantees of LC where negotiating bank claims xii. For verification of test or authenticity of iii. Salaries of godown keepers/chowkidars At actual c. Early settlement/prepayment charges directly from our nostro and customer SWIFT message on behalf of other banks ii. Legal charges a. On behalf of residents in Pakistan retires the bill/acceptance after the date d. Duplicate FDD issuance charges a. In-house legal advice (pre-mortgage) iv. Stock inspection, if conducted by bank Exposure upto Rs. 10M Rs. 1,250/- d. Balloon payment charges of claim. (in case of PAD/FADB, the Handling of export documents under transferred LC xiii. Duplicate advices, annexures, PRC, etc. staff Exposure over Rs. 10M Rs. 3,000/- booking date will be the date of our b. In-house legal advice (post-mortgage) or actual - whichever is higher (for both cases) e. Late payment charges b. Issued in Pakistan on behalf of nostro debited) ii. If the documents are sent to other banks xiv. Obtaining credit reports from foreign e. Service charges against issuance of non-resident against the counter for negotiation under restricted LCs supplier/vendor FTT/FDD against rupee account c. Outside legal advice v. Stock inspection, if conducted by agents At actual f. Vehicle repossession charges guarantee of correspondent/foreign iii. Usance Bills: appointed by bank bank a. Usance LC expiry commission to be iii. Negotiation/Purchase of export bills under f. Remittances/Encashment from FC a/c Obtaining from foreign banks through d. Drafting of agreement/mortgage deed recovered at the time of acceptance sight or usance LC or DP collection within 10 days of deposit of FCY notes. & power of attorney etc. vi. Inspection of vessels for scrapping/stock Rs. 1,250/- for facility upto Rs.10M of maturity payment SWIFT of scrap of vessels Rs. 2,500/- over Rs.10M plus conveyance charges g. Safe custody fee for holding/safe ii. Inward: iii. To mark lien on securities issued by other keeping the excise file/title documents iv. Scrutiny of export documents presented Banks/DFIs vii. Delivery charges, if godown keeper is not Actual plus conveyance charges against which finance for purchase of under LC by exporter a. Others posted vehicle has been adjusted

08 v. Handling & service charges for overdue xv. Discrepancy fee, if discrepant documents b. Indenting commission iv. Legal documentation cost viii. Other incidental expenses, insurance At actual h. Re-issuance of NOC export bills reporting are presented premium, legal charges, etc. v. Redemption fee to be recovered from ii. Soneri Personal Finance b. Overdue mark-up in case DA/usance vi. Export bills returned unpaid xvi Handling charges in lieu of exchange c. Return of inward remittance party when bank officers are required to ix. FIM commission for retail customers only 1% flat, minimum Rs. 625/-, in case of bills are not paid by importers on the earnings where importer buys foreign go before registrar for redemption of the un-serviceable ships for scrapping no commission a. Processing fee due date exchange from some other bank for LC d. Issuance of proceeds realization mortgage to be charged a. Commission INTERNATIONAL BANKING vii. Circulation of loss of "E" form opened/contract registered with us certificate of remittance dated beyond (recoverable from bank’s own one year vi. ECIB report charges x. Penal charges on overdue FIM/FTR 20% p.a. from the date of overdue/maturity to date b. Early settlement/prepayment charges A. IMPORTS: customers) xvii Handling & service charges in lieu of of payment b. Other charges i. Letter of Credit: exchange earnings where an exporter E. COLLECTION (FOREIGN CURRENCY): vii. For issuance of any NOC for pari-passu c. Balloon payment charges viii. Transfer of EFE to other banks sells foreign exchange to some other bank charge/JPP charge or reduction/ xi. Clearing & forwarding agent fee for At actual while documents were sent for collection i. Outward: amendment in the charge amount/ clearing/off-loading imported goods from d. Late payment charges ix. Collections vi. Amendments through us a. Cheques/Bank drafts/TCs etc. description carrier a. Opening of LC a. Handling of export documents iii. Soneri Ghar Finance xviii Reimbursement payment to/from other viii. Credit worthiness report/BIR fee from xii. Late payment charges Late payment charges over and above approved a. Amendment in text not involving Upto Rs. 10 M change in amount and tenor Collection (sent on collection under LC local banks from non-resident rupee outsource evaluator rate a. Processing fee Over Rs. 10 M upto Rs. 100 M & contract basis) accounts a) On delayed payment of principal/ a. In case of delayed installment/principal at the installment on due date (without any following rates: b. Increase in amount and or extension in Over Rs.100 M upto Rs.200 M period Above Rs. 200 M Advance payment xix Assignment of proceeds to other banks ix. Project evaluation/appraisal fee from grace period) 1) 2% for delay upto 30 days outsource evaluator 2) 2.25% for delay from 31 days to 45 days b. Mortgage protection insurance xx Business performance certificate b. Cheques returned unpaid 3) 2.50% for delay of 46 days & above premium b. If payment of exports/advance c. SWIFT charges iv. Import bills returned unpaid payment to Afghanistan & Central Asian x. Vacation of charge fee/release of xxi Export refinance application - Handling security b) On delayed payment of mark-up on due b. In case of delayed mark-up payment (including c. Early settlement/prepayment charges Republics is deposited in FCY notes in c. USD clearing through NIFT vii. Claim Handling Charges b. Revalidation commission of expired LC FC accounts/encashment in PKR charges date (including grace period if any) grace period) at the following rates: (0% prepayment charges after 5 years v. a. Documentary collections ERF substitution xi. Late payment charges 1) 2% for delay upto 30 days of loan disbursement) 2) 2.25% for delay from 31days to 45 days a. LG issued to beneficiary in Pakistan on c. Submission of shipping documents by ii. Inward: behalf of resident c. Transfer to new beneficiary exporter against advance payments xxii LTFF (Long term finance facility under a) On delayed payment of principle/ 3) 2.50% for delay of 46 days & above d. Balloon payment charges b. Registration of import contract beyond 90 days from shipment date SBP scheme) - Handlving charges a. Inward clean collections received from mark-up on due date after grace period abroad or local banks xiii. Issuance of delivery order for release of Rs. 625/- per delivery order e. Late payment charges b. LG issued to beneficiary in Pakistan d. Commission on establishment of LC c. Import contract amendment xxiii EE certification b) Late payment of installments pledged stocks against counter guarantee from /contract against 100% margin C. OTHER TRADE CHARGES: b. Inward FCY cheque returned unpaid f. Safe custody fee for holding/safe correspondent/foreign bank xxiv EE NOC issued to other banks under ERF due to insufficient balance xii. Safe custody fee for holding/safe keeping Note: While recovering miscellaneous charges like godown rent, godown staff salary, inspection charges keeping the property documents e. Amendments If increase in amount and/or period is i. Handling of duty draw back claims scheme the property documents against which all etc. the amount recovered from the borrower shall not exceed total rent of the godown, salary of the godown against which no exposure is outstanding viii. Cancellation charges within expiry of involved the lines have been cancelled/no staff, etc. in other words, charges should be levied as per actual and should not become source of profit to guarantee ii. Handling of research & development xxv Handling of three way merchanting trade F. PURCHASE OF CLEAN COLLECTION: exposure outstanding the bank. support claims - SBP transactions by firms and companies in F. COMMERCIAL FINANCING OF CARS/VEHICLES Pakistan through back to back L/Cs or i. Purchase of clean FCY Instruments like xiii. Digital external verification charges D. AGRICULTURE FINANCE: ix. Consortium guarantees f. LC cancellation charges iii. Collection of export development advance payments etc. cheques, bank drafts, TCs, etc. i. Processing fee vi. Service charges against import surcharge xiv. Income estimation charges i. Processing fee 0.75% of the finance amount or minimum x. Guarantees issued in Pakistan against g. Non-reimbursable LCs under transactions i.e. import bills (PAD)/ xxvi ERF loan obtained from us whereas export Rs. 2,500/- whichever is higher at the time of fresh ii. Comprehensive insurance policy premium 100% cash margin on which no return/ barter/AID/Loans collections (IB)/contract/advance iv. Overdue FAFB/FAPC overdue export routed through other bank disbursement/renewal/enhancement profit is paid payments and consignment payment refinance iii. Late payment charges remittance against import, with or without xxvii Handling of advance payment documents/ ADVANCES ii. Late payment charges Late payment charges over and above approved xi. Guarantee revalidation/renewal LC/advance payment v. FE-25 loans i.e. overdue FLATR in endorsement on bill of lading rate iv. Safe custody fee for holding/safe keeping commission after expiry imports and FBD, pre or post shipment in A. CHARGES: i. Processing fee for facilities upto Rs.1M the excise file/title documents against h. LCs under suppliers/buyers credit, vii. WEBOC charges for EIF exports Over Rs.1M upto Rs.10M a) On delayed payment of principal/ a. In case of delayed installment /principal at the which finance for purchase of vehicle has xii. Authenticity confirmation charges PAYES (Pay as you earn scheme) and xxviii Issuance of NOC to shipping companies in i. Miscellaneous charges i.e. Over Rs.10M upto Rs.25M viii. Transfer of EIF to other banks case of surrender/loss of B/L charges of documentation, installment on due date (without any following rates: been adjusted deferred payment LCs for period over Above Rs.25M grace period) 1) 2% for delay upto 30 days xiii. Vetting of bank guarantees - In house one year ix. Reimbursement charges (payable to evaluation of security, search, xxix Transfer of export proceeds to other bank mortgage charge registration, 2) 2.25% for delay from 31 days to 45 days v. Early payment/prepayment charges/ reimbursing banks) vi. Letter or intimation of any sort sent to ii. Vacation of charge fee/release of 3) 2.50% for delay of 46 days & above balloon payment charges xiv. Re-Issuance/duplicate issuvance of LG other bank where no documents handled at our end vehicle registration and maintenance security B. EXPORTS: thereof, etc. in addition to that: charges Note: NOC to other banks for EFE xxx Export LC cancellation b) On delayed payment of mark-up after b. In case of delayed mark-up payment (including vi. Vehicle repossession charges i. Letter of Credit (Weboc) approved by us is no longer iii. Processing fee for interim extension/ due date (including grace period if any) grace period) at the following rates: xv. Expired guarantee handling charges required a. Project examination fee review i. LC draft processing charges - For a. Advising xxxi Any out of pocket expense of the bank not 1) 2% for delay upto 30 days customers who subsequently do not mentioned in the SOC 2) 2.25% for delay from 31 days to 45 days open LC vii. Handling of transaction of indirect iv. Late payment charges 3) 2.50% for delay of 46 days & above G. GUARANTEES exporters (SPO) b. Commitment fee on undisbursed D. REMITTANCES (FOREIGN CURRENCY): balance (from the date of sanction to ii. Sight Bills: a) On delayed payment of E. CONSUMER FINANCE: i. Guarantees issued to shipping companies/ b. Amendment the date of disbursement, only on fund principle/mark-up on due date after airlines in lieu of bills of lading/ a. Mark-up on import bills under LC, viii. Submission of application for freight i. Outward: subsidy based commitments) grace period i. Soneri Car Finance endorsement of airway bills overdue mark-up from PAD a. FDD/FTT lodgment/negotiation date to the c. Stamp paper/adhesive stamp b) Late payment of installments a. Processing fee Rs. 6,500/- flat upto Rs. 0.750M finance ii. Guarantees issued to collector of custom date of payment ix. Issuance of proceeds realization certificates (Annex: A) for rebate claims charges for all borrowing and financing Rs. 7,000/- flat from 0.750M to 1.2M finance in lieu of payment of export duty which documents b. In case documents are retired after 15 c. Confirmation b. FDD cancellation charges C. PLEDGE/HYPOTHECATION FINANCING: Rs. 7,500/- above 1.2M to 2M finance are valid up to 6 months x. Obtaining SBP approval for FX Rs. 8,000/- above Rs 2M finance days, bank's commission to be (Service charges are exempted for SBL charged in addition to PAD overdue transactions i. Movement out of shares pledged iii. Guarantees issued for gas connection and staff financing, however cost of stamp b. Comprehensive insurance policy At actual in favor of SSGC/SNGPL mark-up paper/adhesive stamp will be xi. Correspondent's charges c. FDD stop payment ii. Godown rent premium c. Delay reimbursement mark-up in case d. Transfer of export LCs recovered at actual) iv. Other guarantees of LC where negotiating bank claims xii. For verification of test or authenticity of iii. Salaries of godown keepers/chowkidars c. Early settlement/prepayment charges 6% of outstanding principal amount being prepaid directly from our nostro and customer SWIFT message on behalf of other banks ii. Legal charges a. On behalf of residents in Pakistan retires the bill/acceptance after the date d. Duplicate FDD issuance charges a. In-house legal advice (pre-mortgage) iv. Stock inspection, if conducted by bank d. Balloon payment charges 6% of principal amount being prepaid of claim. (in case of PAD/FADB, the Handling of export documents under transferred LC xiii. Duplicate advices, annexures, PRC, etc. staff booking date will be the date of our b. In-house legal advice (post-mortgage) e. Late payment charges Rs. 1,250/- per installment b. Issued in Pakistan on behalf of nostro debited) ii. If the documents are sent to other banks xiv. Obtaining credit reports from foreign e. Service charges against issuance of non-resident against the counter for negotiation under restricted LCs supplier/vendor FTT/FDD against rupee account c. Outside legal advice v. Stock inspection, if conducted by agents f. Vehicle repossession charges Actual expense incurred by the bank, upto a guarantee of correspondent/foreign iii. Usance Bills: appointed by bank maximum of Rs. 67,500/- (plus actual legal & bank a. Usance LC expiry commission to be iii. Negotiation/Purchase of export bills under f. Remittances/Encashment from FC a/c valuation charges) Obtaining from foreign banks through d. Drafting of agreement/mortgage deed recovered at the time of acceptance sight or usance LC or DP collection within 10 days of deposit of FCY notes. & power of attorney etc. vi. Inspection of vessels for scrapping/stock of maturity payment SWIFT of scrap of vessels g. Safe custody fee for holding/safe Rs.1,000/- per month ii. Inward: iii. To mark lien on securities issued by other keeping the excise file/title documents iv. Scrutiny of export documents presented Banks/DFIs vii. Delivery charges, if godown keeper is not against which finance for purchase of under LC by exporter a. Others posted vehicle has been adjusted

09 v. Handling & service charges for overdue xv. Discrepancy fee, if discrepant documents b. Indenting commission iv. Legal documentation cost viii. Other incidental expenses, insurance h. Re-issuance of NOC Rs. 1,000/- export bills reporting are presented premium, legal charges, etc. v. Redemption fee to be recovered from ii. Soneri Personal Finance b. Overdue mark-up in case DA/usance vi. Export bills returned unpaid xvi Handling charges in lieu of exchange c. Return of inward remittance party when bank officers are required to ix. FIM commission for retail customers only bills are not paid by importers on the earnings where importer buys foreign go before registrar for redemption of the a. Processing fee Rs. 3,000/- or 1% of the financing amount due date exchange from some other bank for LC d. Issuance of proceeds realization mortgage whichever is higher a. Commission INTERNATIONAL BANKING vii. Circulation of loss of "E" form opened/contract registered with us certificate of remittance dated beyond (recoverable from bank’s own one year vi. ECIB report charges x. Penal charges on overdue FIM/FTR b. Early settlement/prepayment charges 6% of outstanding principal amount being prepaid A. IMPORTS: customers) xvii Handling & service charges in lieu of b. Other charges i. Letter of Credit: exchange earnings where an exporter E. COLLECTION (FOREIGN CURRENCY): vii. For issuance of any NOC for pari-passu c. Balloon payment charges 6% of principal amount being prepaid viii. Transfer of EFE to other banks sells foreign exchange to some other bank charge/JPP charge or reduction/ xi. Clearing & forwarding agent fee for while documents were sent for collection i. Outward: amendment in the charge amount/ clearing/off-loading imported goods from d. Late payment charges Rs. 625/- per installment ix. Collections vi. Amendments through us a. Cheques/Bank drafts/TCs etc. description carrier a. Opening of LC a. Handling of export documents iii. Soneri Ghar Finance xviii Reimbursement payment to/from other viii. Credit worthiness report/BIR fee from xii. Late payment charges a. Amendment in text not involving Upto Rs. 10 M change in amount and tenor Collection (sent on collection under LC local banks from non-resident rupee outsource evaluator a. Processing fee Rs. 10,000/- flat upto Rs. 5M finance Over Rs. 10 M upto Rs. 100 M & contract basis) accounts a) On delayed payment of principal/ Rs. 15,000/- flat from 5M upto 10M finance installment on due date (without any Rs. 25,000/- above 10M finance b. Increase in amount and or extension in Over Rs.100 M upto Rs.200 M period Above Rs. 200 M Advance payment xix Assignment of proceeds to other banks ix. Project evaluation/appraisal fee from grace period) outsource evaluator b. Mortgage protection insurance At actual xx Business performance certificate b. Cheques returned unpaid premium b. If payment of exports/advance c. SWIFT charges iv. Import bills returned unpaid payment to Afghanistan & Central Asian x. Vacation of charge fee/release of xxi Export refinance application - Handling security b) On delayed payment of mark-up on due c. Early settlement/prepayment charges 3% of outstanding principal amount being prepaid Republics is deposited in FCY notes in c. USD clearing through NIFT vii. Claim Handling Charges b. Revalidation commission of expired LC FC accounts/encashment in PKR charges date (including grace period if any) (0% prepayment charges after 5 years v. a. Documentary collections ERF substitution xi. Late payment charges of loan disbursement) a. LG issued to beneficiary in Pakistan on c. Submission of shipping documents by ii. Inward: behalf of resident c. Transfer to new beneficiary exporter against advance payments xxii LTFF (Long term finance facility under a) On delayed payment of principle/ d. Balloon payment charges 3% of principal amount being prepaid b. Registration of import contract beyond 90 days from shipment date SBP scheme) - Handlving charges a. Inward clean collections received from mark-up on due date after grace period abroad or local banks xiii. Issuance of delivery order for release of e. Late payment charges Rs. 625/- per installment b. LG issued to beneficiary in Pakistan d. Commission on establishment of LC c. Import contract amendment xxiii EE certification b) Late payment of installments pledged stocks against counter guarantee from /contract against 100% margin C. OTHER TRADE CHARGES: b. Inward FCY cheque returned unpaid f. Safe custody fee for holding/safe Rs. 5,000/- per month correspondent/foreign bank xxiv EE NOC issued to other banks under ERF due to insufficient balance xii. Safe custody fee for holding/safe keeping keeping the property documents e. Amendments If increase in amount and/or period is i. Handling of duty draw back claims scheme the property documents against which all against which no exposure is outstanding viii. Cancellation charges within expiry of involved the lines have been cancelled/no guarantee ii. Handling of research & development xxv Handling of three way merchanting trade F. PURCHASE OF CLEAN COLLECTION: exposure outstanding support claims - SBP transactions by firms and companies in F. COMMERCIAL FINANCING OF CARS/VEHICLES Pakistan through back to back L/Cs or i. Purchase of clean FCY Instruments like xiii. Digital external verification charges D. AGRICULTURE FINANCE: ix. Consortium guarantees f. LC cancellation charges iii. Collection of export development advance payments etc. cheques, bank drafts, TCs, etc. i. Processing fee 0.75% of finance amount, minimum Rs. 3,000/- vi. Service charges against import surcharge xiv. Income estimation charges i. Processing fee x. Guarantees issued in Pakistan against g. Non-reimbursable LCs under transactions i.e. import bills (PAD)/ xxvi ERF loan obtained from us whereas export ii. Comprehensive insurance policy premium At actual 100% cash margin on which no return/ barter/AID/Loans collections (IB)/contract/advance iv. Overdue FAFB/FAPC overdue export routed through other bank profit is paid payments and consignment payment refinance iii. Late payment charges Rs. 1,150/- per installment remittance against import, with or without xxvii Handling of advance payment documents/ ADVANCES ii. Late payment charges xi. Guarantee revalidation/renewal LC/advance payment v. FE-25 loans i.e. overdue FLATR in endorsement on bill of lading iv. Safe custody fee for holding/safe keeping Rs. 1,250/- per month commission after expiry imports and FBD, pre or post shipment in A. CHARGES: i. Processing fee for facilities upto Rs.1M the excise file/title documents against h. LCs under suppliers/buyers credit, vii. WEBOC charges for EIF exports Over Rs.1M upto Rs.10M a) On delayed payment of principal/ which finance for purchase of vehicle has xii. Authenticity confirmation charges PAYES (Pay as you earn scheme) and xxviii Issuance of NOC to shipping companies in i. Miscellaneous charges i.e. Over Rs.10M upto Rs.25M viii. Transfer of EIF to other banks case of surrender/loss of B/L charges of documentation, installment on due date (without any been adjusted deferred payment LCs for period over Above Rs.25M grace period) xiii. Vetting of bank guarantees - In house one year ix. Reimbursement charges (payable to evaluation of security, search, xxix Transfer of export proceeds to other bank mortgage charge registration, v. Early payment/prepayment charges/ 6% of outstanding principal amount being prepaid reimbursing banks) vi. Letter or intimation of any sort sent to ii. Vacation of charge fee/release of balloon payment charges xiv. Re-Issuance/duplicate issuvance of LG other bank where no documents handled at our end vehicle registration and maintenance security B. EXPORTS: thereof, etc. in addition to that: charges Note: NOC to other banks for EFE xxx Export LC cancellation b) On delayed payment of mark-up after vi. Vehicle repossession charges Actual expense incurred by the bank, upto a i. Letter of Credit (Weboc) approved by us is no longer iii. Processing fee for interim extension/ due date (including grace period if any) maximum of Rs. 67,500/- (plus actual legal & xv. Expired guarantee handling charges required a. Project examination fee review i. LC draft processing charges - For a. Advising xxxi Any out of pocket expense of the bank not valuation charges) customers who subsequently do not mentioned in the SOC open LC vii. Handling of transaction of indirect iv. Late payment charges G. GUARANTEES exporters (SPO) b. Commitment fee on undisbursed D. REMITTANCES (FOREIGN CURRENCY): balance (from the date of sanction to ii. Sight Bills: a) On delayed payment of E. CONSUMER FINANCE: i. Guarantees issued to shipping companies/ Rs. 1,500/- flat per guarantee/endorsement b. Amendment the date of disbursement, only on fund principle/mark-up on due date after airlines in lieu of bills of lading/ a. Mark-up on import bills under LC, viii. Submission of application for freight i. Outward: subsidy based commitments) grace period i. Soneri Car Finance endorsement of airway bills overdue mark-up from PAD a. FDD/FTT lodgment/negotiation date to the c. Stamp paper/adhesive stamp b) Late payment of installments a. Processing fee ii. Guarantees issued to collector of custom 0.60% per quarter or part thereof, date of payment ix. Issuance of proceeds realization certificates (Annex: A) for rebate claims charges for all borrowing and financing in lieu of payment of export duty which minimum Rs. 1,500/- documents b. In case documents are retired after 15 c. Confirmation b. FDD cancellation charges C. PLEDGE/HYPOTHECATION FINANCING: are valid up to 6 months x. Obtaining SBP approval for FX days, bank's commission to be (Service charges are exempted for SBL charged in addition to PAD overdue transactions i. Movement out of shares pledged iii. Guarantees issued for gas connection and 0.50% per quarter or part thereof, staff financing, however cost of stamp b. Comprehensive insurance policy in favor of SSGC/SNGPL minimum Rs. 1,000/- mark-up paper/adhesive stamp will be xi. Correspondent's charges c. FDD stop payment ii. Godown rent premium c. Delay reimbursement mark-up in case d. Transfer of export LCs recovered at actual) iv. Other guarantees of LC where negotiating bank claims xii. For verification of test or authenticity of iii. Salaries of godown keepers/chowkidars c. Early settlement/prepayment charges directly from our nostro and customer SWIFT message on behalf of other banks ii. Legal charges a. On behalf of residents in Pakistan 0.50% per quarter or part thereof, retires the bill/acceptance after the date d. Duplicate FDD issuance charges a. In-house legal advice (pre-mortgage) iv. Stock inspection, if conducted by bank d. Balloon payment charges minimum Rs. 1,000/- of claim. (in case of PAD/FADB, the Handling of export documents under transferred LC xiii. Duplicate advices, annexures, PRC, etc. staff booking date will be the date of our b. In-house legal advice (post-mortgage) e. Late payment charges b. Issued in Pakistan on behalf of 0.50% per quarter or part thereof, nostro debited) ii. If the documents are sent to other banks xiv. Obtaining credit reports from foreign e. Service charges against issuance of non-resident against the counter minimum US$ 100/- or as per the arrangement for negotiation under restricted LCs supplier/vendor FTT/FDD against rupee account c. Outside legal advice v. Stock inspection, if conducted by agents f. Vehicle repossession charges guarantee of correspondent/foreign iii. Usance Bills: appointed by bank bank a. Usance LC expiry commission to be iii. Negotiation/Purchase of export bills under f. Remittances/Encashment from FC a/c Obtaining from foreign banks through d. Drafting of agreement/mortgage deed recovered at the time of acceptance sight or usance LC or DP collection within 10 days of deposit of FCY notes. & power of attorney etc. vi. Inspection of vessels for scrapping/stock of maturity payment SWIFT of scrap of vessels g. Safe custody fee for holding/safe ii. Inward: iii. To mark lien on securities issued by other keeping the excise file/title documents iv. Scrutiny of export documents presented Banks/DFIs vii. Delivery charges, if godown keeper is not against which finance for purchase of under LC by exporter a. Others posted vehicle has been adjusted

10 v. Handling & service charges for overdue xv. Discrepancy fee, if discrepant documents b. Indenting commission iv. Legal documentation cost viii. Other incidental expenses, insurance h. Re-issuance of NOC export bills reporting are presented premium, legal charges, etc. v. Guarantees in favor of beneficiaries outside Pakistan (to be issued under SBP regulation covered v. Redemption fee to be recovered from ii. Soneri Personal Finance under FE manual and prudential regulation. If not covered then prior approval of SBP required as b. Overdue mark-up in case DA/usance vi. Export bills returned unpaid xvi Handling charges in lieu of exchange c. Return of inward remittance party when bank officers are required to ix. FIM commission for retail customers only the case may be) bills are not paid by importers on the earnings where importer buys foreign go before registrar for redemption of the a. Processing fee due date exchange from some other bank for LC d. Issuance of proceeds realization mortgage a. Commission 0.50% per quarter or part thereof, minimum INTERNATIONAL BANKING vii. Circulation of loss of "E" form opened/contract registered with us certificate of remittance dated beyond Rs. 1,000/- plus correspondent bank and full (recoverable from bank’s own one year vi. ECIB report charges x. Penal charges on overdue FIM/FTR b. Early settlement/prepayment charges SWIFT charges A. IMPORTS: customers) xvii Handling & service charges in lieu of b. Other charges Correspondent bank's guarantee commission and i. Letter of Credit: exchange earnings where an exporter E. COLLECTION (FOREIGN CURRENCY): vii. For issuance of any NOC for pari-passu c. Balloon payment charges viii. Transfer of EFE to other banks sells foreign exchange to some other bank charge/JPP charge or reduction/ xi. Clearing & forwarding agent fee for other charges as claimed on actual basis while documents were sent for collection i. Outward: amendment in the charge amount/ clearing/off-loading imported goods from d. Late payment charges ix. Collections vi. Amendments through us a. Cheques/Bank drafts/TCs etc. description carrier a. Opening of LC a. Handling of export documents iii. Soneri Ghar Finance xviii Reimbursement payment to/from other viii. Credit worthiness report/BIR fee from xii. Late payment charges a. Amendment in text not involving Rs. 775/- per amendment, plus other charges Upto Rs. 10 M change in amount and tenor where apllicable Collection (sent on collection under LC local banks from non-resident rupee outsource evaluator a. Processing fee Over Rs. 10 M upto Rs. 100 M & contract basis) accounts a) On delayed payment of principal/ installment on due date (without any b. Increase in amount and or extension in Rs. 775/- amendment charges, in addition to Over Rs.100 M upto Rs.200 M period difference of commission for extended period and Above Rs. 200 M Advance payment xix Assignment of proceeds to other banks ix. Project evaluation/appraisal fee from grace period) outsource evaluator b. Mortgage protection insurance amount xx Business performance certificate b. Cheques returned unpaid premium b. If payment of exports/advance c. SWIFT charges Full SWIFT charges as per SOC, if applicable iv. Import bills returned unpaid payment to Afghanistan & Central Asian x. Vacation of charge fee/release of xxi Export refinance application - Handling security b) On delayed payment of mark-up on due c. Early settlement/prepayment charges Republics is deposited in FCY notes in c. USD clearing through NIFT vii. Claim Handling Charges b. Revalidation commission of expired LC FC accounts/encashment in PKR charges date (including grace period if any) (0% prepayment charges after 5 years v. a. Documentary collections ERF substitution xi. Late payment charges of loan disbursement) a. LG issued to beneficiary in Pakistan on Rs. 2,500/- plus other applicable charges c. Submission of shipping documents by ii. Inward: behalf of resident c. Transfer to new beneficiary exporter against advance payments xxii LTFF (Long term finance facility under a) On delayed payment of principle/ d. Balloon payment charges b. Registration of import contract beyond 90 days from shipment date SBP scheme) - Handlving charges a. Inward clean collections received from mark-up on due date after grace period abroad or local banks xiii. Issuance of delivery order for release of e. Late payment charges b. LG issued to beneficiary in Pakistan US$ 75/- plus SWIFT charges d. Commission on establishment of LC c. Import contract amendment xxiii EE certification b) Late payment of installments pledged stocks against counter guarantee from /contract against 100% margin C. OTHER TRADE CHARGES: b. Inward FCY cheque returned unpaid f. Safe custody fee for holding/safe correspondent/foreign bank xxiv EE NOC issued to other banks under ERF due to insufficient balance xii. Safe custody fee for holding/safe keeping keeping the property documents e. Amendments If increase in amount and/or period is i. Handling of duty draw back claims scheme the property documents against which all against which no exposure is outstanding viii. Cancellation charges within expiry of Rs. 500/- per cancellation plus guarantee involved the lines have been cancelled/no guarantee commission will be recovered from the date of ii. Handling of research & development xxv Handling of three way merchanting trade F. PURCHASE OF CLEAN COLLECTION: exposure outstanding issuance of the guarantee till the date of expiry support claims - SBP transactions by firms and companies in F. COMMERCIAL FINANCING OF CARS/VEHICLES Pakistan through back to back L/Cs or i. Purchase of clean FCY Instruments like xiii. Digital external verification charges D. AGRICULTURE FINANCE: ix. Consortium guarantees As per agreement f. LC cancellation charges iii. Collection of export development advance payments etc. cheques, bank drafts, TCs, etc. i. Processing fee vi. Service charges against import surcharge xiv. Income estimation charges i. Processing fee x. Guarantees issued in Pakistan against Nil g. Non-reimbursable LCs under transactions i.e. import bills (PAD)/ xxvi ERF loan obtained from us whereas export ii. Comprehensive insurance policy premium 100% cash margin on which no return/ barter/AID/Loans collections (IB)/contract/advance iv. Overdue FAFB/FAPC overdue export routed through other bank profit is paid payments and consignment payment refinance iii. Late payment charges remittance against import, with or without xxvii Handling of advance payment documents/ ADVANCES ii. Late payment charges xi. Guarantee revalidation/renewal Commission as per item ii, iii and iv-a above LC/advance payment v. FE-25 loans i.e. overdue FLATR in endorsement on bill of lading iv. Safe custody fee for holding/safe keeping commission after expiry imports and FBD, pre or post shipment in A. CHARGES: i. Processing fee for facilities upto Rs.1M the excise file/title documents against h. LCs under suppliers/buyers credit, vii. WEBOC charges for EIF exports Over Rs.1M upto Rs.10M a) On delayed payment of principal/ which finance for purchase of vehicle has xii. Authenticity confirmation charges Rs. 1,000/- per confirmation PAYES (Pay as you earn scheme) and xxviii Issuance of NOC to shipping companies in i. Miscellaneous charges i.e. Over Rs.10M upto Rs.25M viii. Transfer of EIF to other banks case of surrender/loss of B/L charges of documentation, installment on due date (without any been adjusted deferred payment LCs for period over Above Rs.25M grace period) xiii. Vetting of bank guarantees - In house Rs. 1,250/- per vetting one year ix. Reimbursement charges (payable to evaluation of security, search, xxix Transfer of export proceeds to other bank mortgage charge registration, v. Early payment/prepayment charges/ reimbursing banks) vi. Letter or intimation of any sort sent to ii. Vacation of charge fee/release of balloon payment charges xiv. Re-Issuance/duplicate issuvance of LG Rs. 1,500/- per issuance (exclusive of bond paper other bank where no documents handled at our end vehicle registration and maintenance security B. EXPORTS: thereof, etc. in addition to that: charges charges) Note: NOC to other banks for EFE b) On delayed payment of mark-up after vi. Vehicle repossession charges (Weboc) approved by us is no longer xxx Export LC cancellation iii. Processing fee for interim extension/ i. Letter of Credit a. Project examination fee due date (including grace period if any) xv. Expired guarantee handling charges Rs. 2,000/- per instrument per quarter on upfront required review basis till original instrument is returned i. LC draft processing charges - For a. Advising xxxi Any out of pocket expense of the bank not customers who subsequently do not mentioned in the SOC open LC vii. Handling of transaction of indirect iv. Late payment charges G. GUARANTEES exporters (SPO) b. Commitment fee on undisbursed D. REMITTANCES (FOREIGN CURRENCY): balance (from the date of sanction to ii. Sight Bills: a) On delayed payment of E. CONSUMER FINANCE: i. Guarantees issued to shipping companies/ Note: b. Amendment viii. Submission of application for freight the date of disbursement, only on fund principle/mark-up on due date after airlines in lieu of bills of lading/ a. Mark-up on import bills under LC, i. Outward: based commitments) a. All guarantees issued by the bank must contain specific amount and expiry date and a date by which subsidy grace period i. Soneri Car Finance endorsement of airway bills the claim is to be lodged. Commission would be charged for the period inclusive of the claim period. overdue mark-up from PAD a. FDD/FTT lodgment/negotiation date to the c. Stamp paper/adhesive stamp b) Late payment of installments a. Processing fee ii. Guarantees issued to collector of custom b. For issuance of guarantee locally against counter guarantee of foreign correspondent/bank, varying date of payment ix. Issuance of proceeds realization certificates (Annex: A) for rebate claims charges for all borrowing and financing in lieu of payment of export duty which rates can be offered based upon reciprocal business received. c. Confirmation documents C. PLEDGE/HYPOTHECATION FINANCING: are valid up to 6 months b. In case documents are retired after 15 b. FDD cancellation charges c. Commission on guarantees will be recovered upfront at the time of issuance. x. Obtaining SBP approval for FX days, bank's commission to be (Service charges are exempted for SBL charged in addition to PAD overdue transactions i. Movement out of shares pledged iii. Guarantees issued for gas connection and d. In case guarantee is issued for more than one year, based upon internal approvals commission period staff financing, however cost of stamp b. Comprehensive insurance policy in favor of SSGC/SNGPL mark-up paper/adhesive stamp will be can be broken down where for the first year it will be recovered in full upfront at the time of issuance xi. Correspondent's charges c. FDD stop payment ii. Godown rent premium and subsequently for the next period it can be recovered for the full year/broken period as the case may d. Transfer of export LCs recovered at actual) c. Delay reimbursement mark-up in case iv. Other guarantees be at the expiry of preceding year. of LC where negotiating bank claims xii. For verification of test or authenticity of iii. Salaries of godown keepers/chowkidars c. Early settlement/prepayment charges directly from our nostro and customer SWIFT message on behalf of other banks ii. Legal charges a. On behalf of residents in Pakistan e. Commission to be charged from the date of issue till expiry of letter of guarantee. In case of open ended retires the bill/acceptance after the date guarantee, commission will continue to be charged till such time the bank is released from its liability Handling of export documents under d. Duplicate FDD issuance charges a. In-house legal advice (pre-mortgage) iv. Stock inspection, if conducted by bank d. Balloon payment charges of claim. (in case of PAD/FADB, the xiii. Duplicate advices, annexures, PRC, etc. staff under the guarantee, whichever is later. booking date will be the date of our transferred LC e. Late payment charges b. Issued in Pakistan on behalf of b. In-house legal advice (post-mortgage) f. Where guarantees are to be issued outside Pakistan, vsuch requests to be complied with prevailing FE nostro debited) xiv. Obtaining credit reports from foreign non-resident against the counter ii. If the documents are sent to other banks e. Service charges against issuance of and Prudential Regulations. Where required, prior approval from SBP to be obtained. for negotiation under restricted LCs supplier/vendor FTT/FDD against rupee account c. Outside legal advice v. Stock inspection, if conducted by agents f. Vehicle repossession charges guarantee of correspondent/foreign iii. Usance Bills: appointed by bank bank a. Usance LC expiry commission to be iii. Negotiation/Purchase of export bills under f. Remittances/Encashment from FC a/c Obtaining from foreign banks through d. Drafting of agreement/mortgage deed recovered at the time of acceptance sight or usance LC or DP collection within 10 days of deposit of FCY notes. & power of attorney etc. vi. Inspection of vessels for scrapping/stock of maturity payment SWIFT of scrap of vessels g. Safe custody fee for holding/safe ii. Inward: iii. To mark lien on securities issued by other keeping the excise file/title documents iv. Scrutiny of export documents presented Banks/DFIs vii. Delivery charges, if godown keeper is not against which finance for purchase of under LC by exporter a. Others posted vehicle has been adjusted

11 DOMESTIC BANKING d. Mark-up shall be applied as under on ii. Banker's Cheque F. ALTERNATE DELIVERY CHANNELS c. Inter bank funds transfer (IBFT) to bills purchased: 1Link member banks v. Statement of account A. INLAND TRADE a. Issuance i. Soneri Debit Mastercard SONERI TRANSACT i. Letter of Credit 1. If retired up to 21 days from the a. Duplicate statement date of purchase b. Issuance of banker's cheque for the a. Annual fee A. Payment and reporting payment of fees/dues in favor of a. Opening commission 0.40% per quarter or part thereof, minimum iv. Internet Banking b. E-statement B. Collections/Receivable management services Rs. 1,500/- for first quarter and 0.25% for each 2. If retired after 21 days educational institutions, HEC/board, etc. b. Annual fee supplementary card subsequent quarter or part thereof a. Registration including balance inquiry, vi. Basic banking account, per month xiii. FBR/Provincial taxes or duties collection e. Storage charges c. Issuance for walk-in customers c. Card replacement fee viewing statement of account, mobile maximum two deposit transactions and over the counter C. Banker to the issue top ups and utility bill payments b. Amendments i) Rs. 1,250/- per amendment two cheque transactions are allowed D. Dividend warrants payout ii) Amendment processing charges Rs. 1,250/- d. Cancellation d. Local ATM cash withdrawal from any xiv. Charges from employer on salary Soneri bank ATM b. Funds transfer within Soneri bank disbursement service (without any formal plus commission under Items opening vii. FCY cash deposit charges E. Standing instructions commission, If amendment involves increase in iii. Documentary bills drawn against inland e. Issuance of duplicate branches arrangement with the bank) LCs: e. Local ATM cash withdrawal from amount or beyond validity of LC/or extension In member bank of 1Link a. Deposit of USD, EUR, GBP & UAE notes LC validity c. Inter bank funds transfer (IBFT) to 1Link in FC accounts of exchange companies Charges will not be applied on salaries a. Sight bills iii. Security Deposit Receipt member banks of government/semi government f. International ATM cash withdrawal from institutions and armed forces c. Others In case an inland LC is opened through another ATMs with Cirrus logo bank, then actual charges of the bank opening the 1. At negotiating end a. Issuance viii. Record retrieval/copy LC would be recovered in addition to our own xv. Account closing charges on customer a. Negotiation commission b. Cancellation g. Local purchase/services availed at request (no charges on PLS Savings, charges prescribed above. The same would apply point of sale (POS) terminal a. Retrieval of old record per transaction to amendment to LCs opened through other banks v. SMS Alert (per instrument or deposit slip) pension, BBA and asaan accounts) c. Issuance of duplicate h. International purchase/services availed d. Advising Rs. 1,500/- (flat) for customers at point of sale (POS) terminal a. All digital/alternate delivery channels Rs. 2,500/- (flat) for non-customers b. Collection charges for restricted iv. Issuance of SBP and NBP cheque on transactions b. Duplicate advice older than 1 year xvi. Safe deposit articles/packages (boxes or LCs (where negotiation is specific request of customer i. Funds transfer through ATM within envelopes) e. Amendment advising Rs. 1,250/- (flat) for customers restricted to some other bank Soneri bank branches b. Outward clearing transactions c. Retrieval of surveillance camera/ To be recovered in advance at the time of Rs. 1,500/- (flat) for non-customers and presented to us for recording deposit or commencement of the each forwarding) j. Inter bank funds transfer (IBFT) through quarter f. Discrepancy fee Rs.1,500/- per document Monday to Friday (MT- 103) ATM c. Other services/in branch transactions d. Photocopy charges other than CNIC 2. At opening end (at the time of Transaction time xvii. Prize claim handling charges on national retirement rates of mark-up): vi. FBR/Provincial govt. taxes or duties prize bonds at the time of lodgement Note: 09:00am to 01:30pm collection through alternate delivery ix. Hold mail instruction charges 1. The above commissions at (a), (b) & (c) is subject to adjustment after obtaining approval of competent a. Mark-up on import bill under LC 01:30pm to 03:00pm channels xviii. Any out of pocket expenses or any authority based on annual volumes & arrangements with customers. overdue mark-up from PAD transaction not covered under this SOC 2. In case commission is for account of beneficiary, it should be recovered upfront from the openers at the 03:00pm to 04:00pm k. Balance enquiry through ATMs lodgment/negotiation date to x. Confirmation of balance to auditors time of opening the LC. On receipt of proceeds plus LC opening commission, the LC commission so Monday to Friday (MT- 102) date of payment 1. ATMs located in Pakistan J. FOREIGN DIRECT INVESTMENT: received should be credited to opener's account. 09:00am to 04:00pm (1Link ATM) xi. Any type of certificate issued at the b. In case documents are retired i. Investment portfolio securities i. Designation of bank for payment of ii. Authorities to encash cheques No commission by issuing branch but charges on transactions (T-Bills/PIB/IJARA/SUKUK) request of customer, excluding zakat and after 15 days, bank's 2. ATMs located outside Pakistan withholding tax deduction certificates dividends & disinvestment proceeds purchase of cheques will be recovered 0.40%, commission to be charged in where SBP has already registered the minimum Rs.15/- plus courier charges ii. PIB/IJARA/SUKUK coupon payment addition to PAD overdue mark-up l. Arbitration charges on disputed xii. Account maintenance/service charges for shares in their record vi. Online Banking transaction (local/international) not maintaining requisite balance as iii. LC draft processing charges - For Rs. 1,000/- per LC 3. Service charges on retirement of ii. Handling of foreign investment cases customers who subsequently do not open LC iii. IPS statements defined below for all products: import bills under inland LC (usance a. Intercity cash deposit/withdrawal m. Document retrieval charges (outward/inward) & sight) iv. Local bills returned unpaid Rs. 1,000/- a. *Soneri Current account (if average Upto Rs. 500,000 H. COMMUNICATION balance for the month is below iii. Remittance of freight charges at the b. Usance bills n. E-commerce session activation request of freight forwarders in terms of v. Revalidation of expired L/Cs or transfer Same commission as applicable to opening of Rs. 5,000/-) Above Rs. 500,000 i. SWIFT SBP FE circular no.-6 of 2006 to new beneficiary fresh L/Cs 1. At negotiating end, in case of o. Chip maintenance vii. Clearing and Collection b. *Soneri Ikhtiar account (if average purchase a. Short messages balance for the month is below iv. Registration of agreement with SBP in B. BILLS Rs. 5,000/-) respect of private foreign currency loans 2. Documentary bills drawn against a. Same day clearing through NIFT p. Card upgradation obtained by borrowers in pakistan from i. Collection (outward) b. Full text LCs etc. inland LCs ( usance bill) at q. Payment services via 1Link c. BBA account (initial deposit Rs.1,000) foreign lenders a. Documentary opening end (educational institution) ii. Postage no limit on minimum balance. (SBP b. Intercity outward clearing through NIFT K. SONERI STAFF SALARY ACCOUNTS at the time of lodgment BPD circular # 30 of 2005, dated 1. Through our own branches 0.35% or minimum Rs. 250/- plus postage/ a. If bill matures after expiry of LC r. Low balance decline a. Inland November 29, 2005) courier charges i. Cheque book issuance c. Clean collection (including cheques) s. ATM mini statement charges b. Overseas d. **PLS savings account (initial deposit 2. Through branches of other banks 0.50% or minimum Rs. 200/- plus postage/ ii. Soneri debit Mastercard - annual fee under arrangements where courier charges 1 . Through our own branches Rs.100) commission is shared. These ii. Phone Banking iii. Courier e. Soneri Savings account (if average iii. Soneri debit Mastercard - chip charges will also apply in case a maintenance fee collection is sent to the drawee 2. Through branches of other banks a. Registration including balance inquiry, a. Inland balance for the month is below branch of another bank viewing statement of account, mobile Rs. 5,000/-) top ups and utility bill payments b. Overseas iv. Banker's cheque issuance b. If bill remains unpaid after due f. Soneri Sahara account - Requirement b. Returning charges for documentary & Rs. 175/- per bill/instrument plus postage/courier date v. Online banking service clean collections in case the charges b. Funds transfer within Soneri bank I. BRANCH BANKING of initial deposit and minimum balance d. Other cheques/demand instruments branches instruments are returned unpaid (like dividend warrants etc.) received i. Cheque book g. Soneri Asaan account - Current/ vi. SMS alert facility through postal/courier service c. Inter bank funds transfer (IBFT) to ii. Purchase of bills, cheques, etc. C. RE MITTANCES (LOCAL CURRENCY) Savings (initial deposit Rs.100) 1Link member banks ii. Issuance of cheque book on form 'B' & 'C' vii. Account closure viii. Cheque Return Charges h. FCY Current account (if average a. Documentary bills other than those Same charges as for collection as indicated at (i) a. i. Demand Draft viii. Locker rent drawn against LC and clean bills/ and b. above plus mark-up from date of purchase a. Form 'B' for all types of accounts where balance for the month is below a. Cheque drawn on us and returned cheque book requisition is US$ 100 or equivalent in the account trade cheques to date of payment plus postage/courier charges a. DDs payable on branches of other unpaid for insufficient funds (clearing, banks under arrangements, where lost/misplaced currencies) from drawer or drawee as per arrangements same day clearing, intercity clearing & iii. Mobile Banking between them commission is shared inward collection (IBC)) b. Form 'C' for all types of accounts where cheque book issuance is free i. FCY Savings account (if average b. DD cancellation a. Registration including balance inquiry, balance for the month is below b. Collection agent's charges, if the At actual b. Cheque drawn on us and returned viewing statement of account, mobile collecting bank is other than the bank, US$ 100 and or equivalent in other unpaid for insufficient funds (cash top ups and utility bill payments iii. Specially printed cheque book currencies) will be extra c. Issuance of duplicate DD counter and fund transfer) c. Telegram/Long distance call charges At actual b. Funds transfer within Soneri bank c. Cheque collection processed by us to branches iv. Stop payment of cheque will be extra, if fate of the instrument is recover installment of consumer asked by bank

12 DOMESTIC BANKING d. Mark-up shall be applied as under on ii. Banker's Cheque F. ALTERNATE DELIVERY CHANNELS c. Inter bank funds transfer (IBFT) to bills purchased: 1Link member banks v. Statement of account A. INLAND TRADE a. Issuance i. Soneri Debit Mastercard SONERI TRANSACT i. Letter of Credit 1. If retired up to 21 days from the Paisas 45 per Rs. 1,000/- per day a. Duplicate statement date of purchase b. Issuance of banker's cheque for the a. Annual fee A. Payment and reporting payment of fees/dues in favor of a. Opening commission iv. Internet Banking b. E-statement 2. If retired after 21 days Paisas 49 per Rs. 1,000/- per day educational institutions, HEC/board, etc. b. Annual fee supplementary card B. Collections/Receivable management services a. Registration including balance inquiry, vi. Basic banking account, per month xiii. FBR/Provincial taxes or duties collection e. Storage charges No charges, if cleared within 3 days of its receipt c. Issuance for walk-in customers c. Card replacement fee viewing statement of account, mobile maximum two deposit transactions and over the counter C. Banker to the issue b. Amendments by branch otherwise Rs. 0.50/- per packet per day top ups and utility bill payments two cheque transactions are allowed minimum Rs. 50/- d. Cancellation d. Local ATM cash withdrawal from any xiv. Charges from employer on salary D. Dividend warrants payout Soneri bank ATM b. Funds transfer within Soneri bank vii. FCY cash deposit charges disbursement service (without any formal iii. Documentary bills drawn against inland e. Issuance of duplicate branches arrangement with the bank) E. Standing instructions LCs: e. Local ATM cash withdrawal from member bank of 1Link a. Deposit of USD, EUR, GBP & UAE notes c. Inter bank funds transfer (IBFT) to 1Link in FC accounts of exchange companies Charges will not be applied on salaries a. Sight bills iii. Security Deposit Receipt member banks of government/semi government f. International ATM cash withdrawal from institutions and armed forces c. Others ATMs with Cirrus logo 1. At negotiating end a. Issuance viii. Record retrieval/copy xv. Account closing charges on customer a. Negotiation commission 0.39% - minimum Rs. 500/- (if not realized within b. Cancellation g. Local purchase/services availed at request (no charges on PLS Savings, point of sale (POS) terminal a. Retrieval of old record per transaction 12 days then Paisas 50 per Rs. 1,000/- per day to v. SMS Alert (per instrument or deposit slip) pension, BBA and asaan accounts) be charged for any delay beyond 12 days) c. Issuance of duplicate h. International purchase/services availed d. Advising at point of sale (POS) terminal a. All digital/alternate delivery channels b. Collection charges for restricted Rs. 500/- flat per bill iv. Issuance of SBP and NBP cheque on transactions b. Duplicate advice older than 1 year xvi. Safe deposit articles/packages (boxes or LCs (where negotiation is specific request of customer i. Funds transfer through ATM within envelopes) e. Amendment advising restricted to some other bank Soneri bank branches b. Outward clearing transactions c. Retrieval of surveillance camera/ To be recovered in advance at the time of and presented to us for recording deposit or commencement of the each forwarding) j. Inter bank funds transfer (IBFT) through quarter f. Discrepancy fee Monday to Friday (MT- 103) ATM c. Other services/in branch transactions d. Photocopy charges other than CNIC 2. At opening end (at the time of Transaction time xvii. Prize claim handling charges on national retirement rates of mark-up): vi. FBR/Provincial govt. taxes or duties prize bonds at the time of lodgement 09:00am to 01:30pm collection through alternate delivery ix. Hold mail instruction charges a. Mark-up on import bill under LC 20% p.a. plus other charges as per SOC 01:30pm to 03:00pm channels xviii. Any out of pocket expenses or any overdue mark-up from PAD 03:00pm to 04:00pm k. Balance enquiry through ATMs transaction not covered under this SOC lodgment/negotiation date to Monday to Friday (MT- 102) x. Confirmation of balance to auditors date of payment 1. ATMs located in Pakistan J. FOREIGN DIRECT INVESTMENT: 09:00am to 04:00pm (1Link ATM) xi. Any type of certificate issued at the b. In case documents are retired 0.25% p.a. on PAD balance outstanding as of 15th i. Investment portfolio securities i. Designation of bank for payment of ii. Authorities to encash cheques transactions (T-Bills/PIB/IJARA/SUKUK) request of customer, excluding zakat and after 15 days, bank's day 2. ATMs located outside Pakistan withholding tax deduction certificates dividends & disinvestment proceeds commission to be charged in where SBP has already registered the ii. PIB/IJARA/SUKUK coupon payment addition to PAD overdue mark-up l. Arbitration charges on disputed xii. Account maintenance/service charges for shares in their record vi. Online Banking transaction (local/international) not maintaining requisite balance as iii. LC draft processing charges - For 3. Service charges on retirement of 0.13% - minimum Rs. 500/- ii. Handling of foreign investment cases customers who subsequently do not open LC iii. IPS statements defined below for all products: import bills under inland LC (usance a. Intercity cash deposit/withdrawal m. Document retrieval charges (outward/inward) & sight) iv. Local bills returned unpaid a. *Soneri Current account (if average Upto Rs. 500,000 H. COMMUNICATION balance for the month is below iii. Remittance of freight charges at the b. Usance bills n. E-commerce session activation request of freight forwarders in terms of v. Revalidation of expired L/Cs or transfer Rs. 5,000/-) Above Rs. 500,000 i. SWIFT SBP FE circular no.-6 of 2006 to new beneficiary 1. At negotiating end, in case of Paisas 50 per Rs. 1,000/- per day from the date of o. Chip maintenance vii. Clearing and Collection b. *Soneri Ikhtiar account (if average purchase purchase till maturity a. Short messages balance for the month is below iv. Registration of agreement with SBP in B. BILLS Rs. 5,000/-) respect of private foreign currency loans 2. Documentary bills drawn against a. Same day clearing through NIFT p. Card upgradation obtained by borrowers in pakistan from i. Collection (outward) b. Full text LCs etc. inland LCs ( usance bill) at q. Payment services via 1Link c. BBA account (initial deposit Rs.1,000) foreign lenders a. Documentary opening end (educational institution) ii. Postage no limit on minimum balance. (SBP b. Intercity outward clearing through NIFT K. SONERI STAFF SALARY ACCOUNTS at the time of lodgment BPD circular # 30 of 2005, dated 1. Through our own branches a. If bill matures after expiry of LC 0.10 % or Rs. 2,000/- whichever is higher, is to r. Low balance decline a. Inland November 29, 2005) be recovered at the time of retirement of the cases, i. Cheque book issuance c. Clean collection (including cheques) which are beyond validity of LC. Number of days s. ATM mini statement charges b. Overseas d. **PLS savings account (initial deposit 2. Through branches of other banks from LC validity date till retirement date. ii. Soneri debit Mastercard - annual fee under arrangements where 1 . Through our own branches Rs.100) However, no commission is to be charged if the ii. Phone Banking iii. Courier commission is shared. These maturity/payment period of the bills falls within the iii. Soneri debit Mastercard - chip charges will also apply in case a e. Soneri Savings account (if average period for which LC opening commission has a. Registration including balance inquiry, a. Inland balance for the month is below maintenance fee collection is sent to the drawee already been recovered 2. Through branches of other banks branch of another bank viewing statement of account, mobile Rs. 5,000/-) top ups and utility bill payments b. Overseas iv. Banker's cheque issuance b. If bill remains unpaid after due 20% flat overdue mark-up from due date till date f. Soneri Sahara account - Requirement b. Returning charges for documentary & date of payment v. Online banking service clean collections in case the b. Funds transfer within Soneri bank I. BRANCH BANKING of initial deposit and minimum balance d. Other cheques/demand instruments branches instruments are returned unpaid (like dividend warrants etc.) received Note: All other charges as per notes a. to c. and e. above, where applicable, shall also be applicable. i. Cheque book g. Soneri Asaan account - Current/ vi. SMS alert facility through postal/courier service c. Inter bank funds transfer (IBFT) to ii. Purchase of bills, cheques, etc. C. RE MITTANCES (LOCAL CURRENCY) Savings (initial deposit Rs.100) 1Link member banks ii. Issuance of cheque book on form 'B' & 'C' vii. Account closure viii. Cheque Return Charges h. FCY Current account (if average a. Documentary bills other than those i. Demand Draft viii. Locker rent drawn against LC and clean bills/ a. Form 'B' for all types of accounts where balance for the month is below a. Cheque drawn on us and returned cheque book requisition is US$ 100 or equivalent in the account trade cheques a. DDs payable on branches of other For all amounts 0.15%, minimum Rs. 300/- unpaid for insufficient funds (clearing, banks under arrangements, where lost/misplaced currencies) same day clearing, intercity clearing & iii. Mobile Banking commission is shared inward collection (IBC)) b. Form 'C' for all types of accounts where cheque book issuance is free i. FCY Savings account (if average b. DD cancellation Rs. 155/- flat a. Registration including balance inquiry, balance for the month is below b. Collection agent's charges, if the b. Cheque drawn on us and returned viewing statement of account, mobile collecting bank is other than the bank, US$ 100 and or equivalent in other unpaid for insufficient funds (cash top ups and utility bill payments iii. Specially printed cheque book currencies) will be extra c. Issuance of duplicate DD Rs. 215/- flat counter and fund transfer) c. Telegram/Long distance call charges b. Funds transfer within Soneri bank c. Cheque collection processed by us to branches iv. Stop payment of cheque will be extra, if fate of the instrument is recover installment of consumer asked by bank

13 DOMESTIC BANKING d. Mark-up shall be applied as under on ii. Banker's Cheque F. ALTERNATE DELIVERY CHANNELS c. Inter bank funds transfer (IBFT) to bills purchased: 1Link member banks v. Statement of account A. INLAND TRADE a. Issuance Rs. 300/- flat i. Soneri Debit Mastercard SONERI TRANSACT i. Letter of Credit 1. If retired up to 21 days from the a. Duplicate statement date of purchase b. Issuance of banker's cheque for the 0.50% of fees/dues or Rs. 25/- per instrument a. Annual fee A. Payment and reporting payment of fees/dues in favor of whichever is less (inclusive of FED) a. Opening commission iv. Internet Banking b. E-statement 2. If retired after 21 days educational institutions, HEC/board, etc. b. Annual fee supplementary card B. Collections/Receivable management services a. Registration including balance inquiry, vi. Basic banking account, per month xiii. FBR/Provincial taxes or duties collection e. Storage charges c. Issuance for walk-in customers Rs. 525/- flat c. Card replacement fee viewing statement of account, mobile maximum two deposit transactions and over the counter C. Banker to the issue b. Amendments top ups and utility bill payments two cheque transactions are allowed d. Cancellation Rs. 425/- flat d. Local ATM cash withdrawal from any xiv. Charges from employer on salary D. Dividend warrants payout Soneri bank ATM b. Funds transfer within Soneri bank vii. FCY cash deposit charges disbursement service (without any formal iii. Documentary bills drawn against inland e. Issuance of duplicate Rs. 300/- flat branches arrangement with the bank) E. Standing instructions LCs: e. Local ATM cash withdrawal from member bank of 1Link a. Deposit of USD, EUR, GBP & UAE notes c. Inter bank funds transfer (IBFT) to 1Link in FC accounts of exchange companies Charges will not be applied on salaries a. Sight bills iii. Security Deposit Receipt member banks of government/semi government f. International ATM cash withdrawal from institutions and armed forces c. Others ATMs with Cirrus logo 1. At negotiating end a. Issuance Rs. 300/- flat viii. Record retrieval/copy xv. Account closing charges on customer a. Negotiation commission b. Cancellation Rs. 425/- flat g. Local purchase/services availed at request (no charges on PLS Savings, point of sale (POS) terminal a. Retrieval of old record per transaction v. SMS Alert (per instrument or deposit slip) pension, BBA and asaan accounts) c. Issuance of duplicate Rs. 300/- flat h. International purchase/services availed d. Advising at point of sale (POS) terminal a. All digital/alternate delivery channels b. Collection charges for restricted iv. Issuance of SBP and NBP cheque on Rs. 500/- flat transactions b. Duplicate advice older than 1 year xvi. Safe deposit articles/packages (boxes or LCs (where negotiation is specific request of customer i. Funds transfer through ATM within envelopes) e. Amendment advising restricted to some other bank Soneri bank branches b. Outward clearing transactions c. Retrieval of surveillance camera/ To be recovered in advance at the time of and presented to us for v. Settlement of 3rd party fund transfers through PRISM System (RTGS) recording deposit or commencement of the each forwarding) j. Inter bank funds transfer (IBFT) through quarter f. Discrepancy fee Monday to Friday (MT- 103) ATM c. Other services/in branch transactions d. Photocopy charges other than CNIC 2. At opening end (at the time of Transaction time xvii. Prize claim handling charges on national retirement rates of mark-up): vi. FBR/Provincial govt. taxes or duties prize bonds at the time of lodgement 09:00am to 01:30pm Rs. 220/- per transaction collection through alternate delivery ix. Hold mail instruction charges a. Mark-up on import bill under LC 01:30pm to 03:00pm Rs. 330/- per transaction channels xviii. Any out of pocket expenses or any overdue mark-up from PAD 03:00pm to 04:00pm Rs. 550/- per transaction k. Balance enquiry through ATMs transaction not covered under this SOC lodgment/negotiation date to Monday to Friday (MT- 102) x. Confirmation of balance to auditors date of payment 1. ATMs located in Pakistan J. FOREIGN DIRECT INVESTMENT: 09:00am to 04:00pm Rs. 50/- per transaction (1Link ATM) xi. Any type of certificate issued at the b. In case documents are retired i. Investment portfolio securities i. Designation of bank for payment of ii. Authorities to encash cheques transactions (T-Bills/PIB/IJARA/SUKUK) request of customer, excluding zakat and after 15 days, bank's Note: 30 minute processing time will be required for executing RTGS fund transfer for 3rd party 2. ATMs located outside Pakistan withholding tax deduction certificates dividends & disinvestment proceeds commission to be charged in where SBP has already registered the payments. Charges will be calculated on the basis of RTGS transaction processing time (MT-103). ii. PIB/IJARA/SUKUK coupon payment addition to PAD overdue mark-up l. Arbitration charges on disputed xii. Account maintenance/service charges for shares in their record vi. Online Banking transaction (local/international) not maintaining requisite balance as iii. LC draft processing charges - For 3. Service charges on retirement of ii. Handling of foreign investment cases customers who subsequently do not open LC iii. IPS statements defined below for all products: import bills under inland LC (usance a. Intercity cash deposit/withdrawal m. Document retrieval charges (outward/inward) & sight) iv. Local bills returned unpaid a. *Soneri Current account (if average Upto Rs. 500,000 Rs. 150/- per transaction H. COMMUNICATION balance for the month is below iii. Remittance of freight charges at the b. Usance bills n. E-commerce session activation request of freight forwarders in terms of v. Revalidation of expired L/Cs or transfer Rs. 5,000/-) Above Rs. 500,000 Rs. 300/- per transaction i. SWIFT SBP FE circular no.-6 of 2006 to new beneficiary 1. At negotiating end, in case of o. Chip maintenance vii. Clearing and Collection b. *Soneri Ikhtiar account (if average purchase a. Short messages balance for the month is below iv. Registration of agreement with SBP in B. BILLS Rs. 5,000/-) respect of private foreign currency loans 2. Documentary bills drawn against a. Same day clearing through NIFT Rs. 400/- per instrument p. Card upgradation obtained by borrowers in pakistan from i. Collection (outward) b. Full text LCs etc. inland LCs ( usance bill) at q. Payment services via 1Link c. BBA account (initial deposit Rs.1,000) foreign lenders a. Documentary opening end (educational institution) ii. Postage no limit on minimum balance. (SBP b. Intercity outward clearing through NIFT Rs. 275/- per instrument K. SONERI STAFF SALARY ACCOUNTS at the time of lodgment BPD circular # 30 of 2005, dated 1. Through our own branches a. If bill matures after expiry of LC r. Low balance decline a. Inland November 29, 2005) i. Cheque book issuance c. Clean collection (including cheques) s. ATM mini statement charges b. Overseas d. **PLS savings account (initial deposit 2. Through branches of other banks ii. Soneri debit Mastercard - annual fee under arrangements where 1 . Through our own branches 0.30% or minimum Rs. 75/- & maximum Rs.100) commission is shared. These Rs. 5,000/- plus postage/courier charges ii. Phone Banking iii. Courier e. Soneri Savings account (if average iii. Soneri debit Mastercard - chip charges will also apply in case a maintenance fee collection is sent to the drawee 2. Through branches of other banks 0.35% or minimum Rs. 125/- & maximum a. Registration including balance inquiry, a. Inland balance for the month is below viewing statement of account, mobile Rs. 5,000/-) branch of another bank Rs. 5,000/- plus postage/courier charges & paying iv. Banker's cheque issuance bank charges at actual top ups and utility bill payments b. Overseas b. If bill remains unpaid after due f. Soneri Sahara account - Requirement b. Returning charges for documentary & date v. Online banking service clean collections in case the b. Funds transfer within Soneri bank I. BRANCH BANKING of initial deposit and minimum balance d. Other cheques/demand instruments 0.40% minimum Rs. 30/- plus postage/courier branches instruments are returned unpaid (like dividend warrants etc.) received charges i. Cheque book g. Soneri Asaan account - Current/ vi. SMS alert facility through postal/courier service c. Inter bank funds transfer (IBFT) to ii. Purchase of bills, cheques, etc. C. RE MITTANCES (LOCAL CURRENCY) Savings (initial deposit Rs.100) 1Link member banks ii. Issuance of cheque book on form 'B' & 'C' vii. Account closure viii. Cheque Return Charges h. FCY Current account (if average a. Documentary bills other than those i. Demand Draft viii. Locker rent drawn against LC and clean bills/ a. Form 'B' for all types of accounts where balance for the month is below a. Cheque drawn on us and returned Rs. 700/- or any amount less then Rs. 700/- in cheque book requisition is US$ 100 or equivalent in the account trade cheques a. DDs payable on branches of other unpaid for insufficient funds (clearing, banks under arrangements, where case of insufficient funds (including NIFT charges) lost/misplaced currencies) same day clearing, intercity clearing & iii. Mobile Banking commission is shared inward collection (IBC)) b. Form 'C' for all types of accounts where cheque book issuance is free i. FCY Savings account (if average b. DD cancellation a. Registration including balance inquiry, balance for the month is below b. Collection agent's charges, if the b. Cheque drawn on us and returned Rs. 500/- or any amount less then Rs. 500/- in viewing statement of account, mobile collecting bank is other than the bank, US$ 100 and or equivalent in other unpaid for insufficient funds (cash case of insufficient funds top ups and utility bill payments iii. Specially printed cheque book currencies) will be extra c. Issuance of duplicate DD counter and fund transfer) c. Telegram/Long distance call charges b. Funds transfer within Soneri bank c. Cheque collection processed by us to Rs. 700/- or any amount less than Rs. 700/- in branches iv. Stop payment of cheque will be extra, if fate of the instrument is recover installment of consumer case of insufficient funds asked by bank

14 DOMESTIC BANKING d. Mark-up shall be applied as under on ii. Banker's Cheque finance and returned unpaid for F. ALTERNATE DELIVERY CHANNELS c. Inter bank funds transfer (IBFT) to bills purchased: insufficient funds (outward clearing, 1Link member banks v. Statement of account A. INLAND TRADE a. Issuance normal, same day, intercity & collection) i. Soneri Debit Mastercard SONERI TRANSACT i. Letter of Credit 1. If retired up to 21 days from the a. Duplicate statement date of purchase b. Issuance of banker's cheque for the d. Reminder letter or return cheque Rs. 125/- for each letter a. Annual fee A. Payment and reporting payment of fees/dues in favor of dispatch on a/c of outward retuned a. Opening commission iv. Internet Banking b. E-statement 2. If retired after 21 days educational institutions, HEC/board, etc. cheques b. Annual fee supplementary card B. Collections/Receivable management services a. Registration including balance inquiry, xiii. FBR/Provincial taxes or duties collection D. STANDING INSTRUCTIONS FEE vi. Basic banking account, per month e. Storage charges c. Issuance for walk-in customers c. Card replacement fee viewing statement of account, mobile maximum two deposit transactions and over the counter C. Banker to the issue top ups and utility bill payments b. Amendments i. Standing instructions fee will be Rs. 250/- per execution or equivalent in other two cheque transactions are allowed D. Dividend warrants payout d. Cancellation recovered in addition to the usual currencies d. Local ATM cash withdrawal from any xiv. Charges from employer on salary charges on remittances, if any Soneri bank ATM b. Funds transfer within Soneri bank vii. FCY cash deposit charges disbursement service (without any formal iii. Documentary bills drawn against inland e. Issuance of duplicate branches arrangement with the bank) E. Standing instructions LCs: E. SALE/PURCHASE OF SECURITIES, SAFE CUSTODY OF ARTICLES AND SAFE DEPOSIT LOCKERS e. Local ATM cash withdrawal from member bank of 1Link a. Deposit of USD, EUR, GBP & UAE notes c. Inter bank funds transfer (IBFT) to 1Link in FC accounts of exchange companies Charges will not be applied on salaries a. Sight bills iii. Security Deposit Receipt i. Sale and purchase of share and securities 0.15% on the first Rs. 10,000/- of purchase price or member banks of government/semi government f. International ATM cash withdrawal from institutions and armed forces c. Others cost thereof or minimum Rs. 25/- and 0.10% on ATMs with Cirrus logo 1. At negotiating end a. Issuance amount exceeding Rs. 10,000/- or minimum Rs.100/- viii. Record retrieval/copy xv. Account closing charges on customer a. Negotiation commission b. Cancellation g. Local purchase/services availed at request (no charges on PLS Savings, Note: point of sale (POS) terminal a. Retrieval of old record per transaction 1. The above charge is in addition to brokerage. v. SMS Alert (per instrument or deposit slip) pension, BBA and asaan accounts) c. Issuance of duplicate 2. Commission is not to be recovered on purchase of newly floated securities, where it is payable by the h. International purchase/services availed d. Advising government/government agencies, and from the subscribers to new share floatation. at point of sale (POS) terminal a. All digital/alternate delivery channels b. Collection charges for restricted iv. Issuance of SBP and NBP cheque on 3. When orders for purchase or sale of share/securities are executed through the bank's other offices, all transactions b. Duplicate advice older than 1 year xvi. Safe deposit articles/packages (boxes or LCs (where negotiation is specific request of customer envelopes) incidental expenses, such as postage, insurance charges, etc. incurred will be recovered in addition to i. Funds transfer through ATM within restricted to some other bank b. Outward clearing transactions To be recovered in advance at the time of e. Amendment advising the commission/brokerage charges. Soneri bank branches c. Retrieval of surveillance camera/ and presented to us for recording deposit or commencement of the each forwarding) ii. Withdrawal fee on shares and securities 0.25% upto Rs. 10,000/- of the paidup of face j. Inter bank funds transfer (IBFT) through quarter f. Discrepancy fee Monday to Friday (MT- 103) held in safe custody (to be recovered at value, minimum Rs. 50/- & 0.125% on amount ATM c. Other services/in branch transactions d. Photocopy charges other than CNIC 2. At opening end (at the time of Transaction time the time of withdrawal) exceeding Rs. 10,000/- minimum Rs. 100/- xvii. Prize claim handling charges on national retirement rates of mark-up): vi. FBR/Provincial govt. taxes or duties prize bonds at the time of lodgement 09:00am to 01:30pm iii. Withdrawal fee on government securities Rs. 10/- per scrip collection through alternate delivery ix. Hold mail instruction charges a. Mark-up on import bill under LC 01:30pm to 03:00pm (where shares and/or securities sold are channels xviii. Any out of pocket expenses or any overdue mark-up from PAD 03:00pm to 04:00pm from those held in safe custody, either k. Balance enquiry through ATMs transaction not covered under this SOC lodgment/negotiation date to Monday to Friday (MT- 102) commission on sale of shares and x. Confirmation of balance to auditors date of payment securities, as shown against item (i) or 1. ATMs located in Pakistan J. FOREIGN DIRECT INVESTMENT: 09:00am to 04:00pm withdrawal fees, as shown against item (ii) (1Link ATM) xi. Any type of certificate issued at the b. In case documents are retired i. Investment portfolio securities i. Designation of bank for payment of ii. Authorities to encash cheques and (iii), whichever is higher, will be transactions (T-Bills/PIB/IJARA/SUKUK) request of customer, excluding zakat and after 15 days, bank's charged but not both 2. ATMs located outside Pakistan withholding tax deduction certificates dividends & disinvestment proceeds commission to be charged in where SBP has already registered the ii. PIB/IJARA/SUKUK coupon payment addition to PAD overdue mark-up iv. Charges for collection of interest/return/ 0.35% on the amount of interest/return/dividend l. Arbitration charges on disputed xii. Account maintenance/service charges for shares in their record vi. Online Banking dividend collected/paid, minimum Rs. 25/- transaction (local/international) not maintaining requisite balance as iii. LC draft processing charges - For 3. Service charges on retirement of ii. Handling of foreign investment cases customers who subsequently do not open LC iii. IPS statements defined below for all products: import bills under inland LC (usance a. Intercity cash deposit/withdrawal v. Handling charges for conversion, renewal, Rs. 20/- per scrip m. Document retrieval charges (outward/inward) & sight) iv. Local bills returned unpaid consolidation or subdivision of a. *Soneri Current account (if average Upto Rs. 500,000 government securities H. COMMUNICATION balance for the month is below iii. Remittance of freight charges at the b. Usance bills n. E-commerce session activation request of freight forwarders in terms of v. Revalidation of expired L/Cs or transfer Rs. 5,000/-) Above Rs. 500,000 vi. a. Sale of government securities Transport/Handling charges of Rs. 200/- per sale i. SWIFT SBP FE circular no.-6 of 2006 to new beneficiary 1. At negotiating end, in case of o. Chip maintenance vii. Clearing and Collection like SSC/DSC etc. at a branch per customer b. *Soneri Ikhtiar account (if average purchase a. Short messages balance for the month is below iv. Registration of agreement with SBP in B. BILLS b. Encashment of profit coupons/govt. Transport/Handling charges of Rs. 125/- per Rs. 5,000/-) respect of private foreign currency loans 2. Documentary bills drawn against a. Same day clearing through NIFT p. Card upgradation obtained by borrowers in pakistan from i. Collection (outward) securities like SSC/DSC at a branch encashment per customer b. Full text LCs etc. inland LCs ( usance bill) at q. Payment services via 1Link c. BBA account (initial deposit Rs.1,000) foreign lenders a. Documentary opening end b. Intercity outward clearing through NIFT vii. Safe Deposit Lockers (educational institution) ii. Postage no limit on minimum balance. (SBP BPD circular # 30 of 2005, dated K. SONERI STAFF SALARY ACCOUNTS 1. Through our own branches at the time of lodgment a. If bill matures after expiry of LC Rent Key deposit r. Low balance decline a. Inland November 29, 2005) a. Rent with key deposit i. Cheque book issuance c. Clean collection (including cheques) per locker 2. Through branches of other banks i. Small locker s. ATM mini statement charges b. Overseas d. **PLS savings account (initial deposit Rs. 3,000/- p.a. Rs. 3,000/- Rs.100) ii. Soneri debit Mastercard - annual fee under arrangements where 1 . Through our own branches ii. Medium locker Rs. 4,500/- p.a. Rs. 3,000/- commission is shared. These iii. Large locker ii. Phone Banking iii. Courier Rs. 7,500/- p.a. Rs. 3,000/- e. Soneri Savings account (if average iii. Soneri debit Mastercard - chip charges will also apply in case a maintenance fee collection is sent to the drawee 2. Through branches of other banks b. Key deposit without rent Key Deposit a. Registration including balance inquiry, a. Inland balance for the month is below viewing statement of account, mobile Rs. 5,000/-) branch of another bank per locker iv. Banker's cheque issuance top ups and utility bill payments b. Overseas b. If bill remains unpaid after due f. Soneri Sahara account - Requirement b. Returning charges for documentary & date i. Small locker Rs. 50,000/- v. Online banking service clean collections in case the Rs. 75,000/- b. Funds transfer within Soneri bank I. BRANCH BANKING of initial deposit and minimum balance d. Other cheques/demand instruments ii. Medium locker branches instruments are returned unpaid (like dividend warrants etc.) received iii. Large locker Rs. 100,000/- vi. SMS alert facility through postal/courier service i. Cheque book g. Soneri Asaan account - Current/ C. RE MITTANCES (LOCAL CURRENCY) c. Inter bank funds transfer (IBFT) to Savings (initial deposit Rs.100) ii. Purchase of bills, cheques, etc. c. Locker breaking charges Rs. 6,500/- or actual, per locker breaking, 1Link member banks vii. Account closure whichever is higher ii. Issuance of cheque book on form 'B' & 'C' viii. Cheque Return Charges h. FCY Current account (if average a. Documentary bills other than those i. Demand Draft viii. Locker rent drawn against LC and clean bills/ d. Penalty on late rental payments (if rent 10% of the locker rent due a. Form 'B' for all types of accounts where balance for the month is below a. Cheque drawn on us and returned not paid within 30 days of renewal) cheque book requisition is US$ 100 or equivalent in the account trade cheques a. DDs payable on branches of other unpaid for insufficient funds (clearing, banks under arrangements, where lost/misplaced currencies) same day clearing, intercity clearing & Note: iii. Mobile Banking commission is shared b. Form 'C' for all types of accounts inward collection (IBC)) - Rent to be recovered in advance at the commencement of period. i. FCY Savings account (if average - Key deposit to be recovered in advance at the time of locker allotment and refundable at the time of a. Registration including balance inquiry, where cheque book issuance is free b. Collection agent's charges, if the b. DD cancellation balance for the month is below b. Cheque drawn on us and returned surrender after settlement of overdue rent (if any). viewing statement of account, mobile US$ 100 and or equivalent in other collecting bank is other than the bank, unpaid for insufficient funds (cash top ups and utility bill payments iii. Specially printed cheque book will be extra c. Issuance of duplicate DD - Rent recovered in advance is not refundable/adjustable, if locker surrendered before completion of the currencies) counter and fund transfer) period. c. Telegram/Long distance call charges - Overdue rent and late payment recovery will be calculated on the basis of prevailing SOC at the time of b. Funds transfer within Soneri bank c. Cheque collection processed by us to branches iv. Stop payment of cheque will be extra, if fate of the instrument is recover installment of consumer recovery. asked by bank

15 DOMESTIC BANKING d. Mark-up shall be applied as under on ii. Banker's Cheque F. ALTERNATE DELIVERY CHANNELS c. Inter bank funds transfer (IBFT) to bills purchased: 1Link member banks v. Statement of account A. INLAND TRADE a. Issuance i. Soneri Debit Mastercard Standard Gold Gold Premier PAYPAK SONERI TRANSACT i. Letter of Credit 1. If retired up to 21 days from the a. Duplicate statement date of purchase b. Issuance of banker's cheque for the a. Annual fee Rs. 900/- Rs. 1,200/- Rs. 2,000/- Rs. 625/- A. Payment and reporting payment of fees/dues in favor of a. Opening commission iv. Internet Banking b. E-statement 2. If retired after 21 days educational institutions, HEC/board, etc. b. Annual fee supplementary card Rs. 900/- Rs. 1,200/- Rs. 2,000/- Rs. 625/- B. Collections/Receivable management services a. Registration including balance inquiry, vi. Basic banking account, per month xiii. FBR/Provincial taxes or duties collection e. Storage charges c. Issuance for walk-in customers c. Card replacement fee Rs. 700/- Rs. 900/- Rs. 1,500/- Rs. 450/- viewing statement of account, mobile maximum two deposit transactions and over the counter C. Banker to the issue b. Amendments top ups and utility bill payments two cheque transactions are allowed d. Cancellation d. Local ATM cash withdrawal from any Nil xiv. Charges from employer on salary D. Dividend warrants payout Soneri bank ATM b. Funds transfer within Soneri bank vii. FCY cash deposit charges disbursement service (without any formal iii. Documentary bills drawn against inland e. Issuance of duplicate branches arrangement with the bank) E. Standing instructions LCs: e. Local ATM cash withdrawal from Rs. 18.75/- per transaction (inclusive of FED) member bank of 1Link a. Deposit of USD, EUR, GBP & UAE notes c. Inter bank funds transfer (IBFT) to 1Link in FC accounts of exchange companies Charges will not be applied on salaries a. Sight bills iii. Security Deposit Receipt member banks of government/semi government f. International ATM cash withdrawal from Rs. 350/- per transaction or 3.50% of each cash institutions and armed forces c. Others ATMs with Cirrus logo withdrawal, whichever is higher 1. At negotiating end a. Issuance viii. Record retrieval/copy xv. Account closing charges on customer a. Negotiation commission b. Cancellation g. Local purchase/services availed at Nil request (no charges on PLS Savings, point of sale (POS) terminal a. Retrieval of old record per transaction v. SMS Alert (per instrument or deposit slip) pension, BBA and asaan accounts) c. Issuance of duplicate h. International purchase/services availed Rs. 350/- per transaction or 3.50% of transaction, d. Advising at point of sale (POS) terminal whichever is higher a. All digital/alternate delivery channels b. Collection charges for restricted iv. Issuance of SBP and NBP cheque on transactions b. Duplicate advice older than 1 year xvi. Safe deposit articles/packages (boxes or LCs (where negotiation is specific request of customer i. Funds transfer through ATM within Free envelopes) e. Amendment advising restricted to some other bank Soneri bank branches b. Outward clearing transactions c. Retrieval of surveillance camera/ To be recovered in advance at the time of and presented to us for recording deposit or commencement of the each forwarding) j. Inter bank funds transfer (IBFT) through Transaction upto Rs. 10,000/- quarter Monday to Friday (MT- 103) c. Other services/in branch transactions f. Discrepancy fee ATM Rs. 45/- per transaction d. Photocopy charges other than CNIC 2. At opening end (at the time of Transaction time xvii. Prize claim handling charges on national retirement rates of mark-up): Transaction from Rs. 10,001/- to Rs. 250,000/- vi. FBR/Provincial govt. taxes or duties prize bonds at the time of lodgement 09:00am to 01:30pm Rs. 150/- per transaction collection through alternate delivery ix. Hold mail instruction charges a. Mark-up on import bill under LC 01:30pm to 03:00pm channels xviii. Any out of pocket expenses or any overdue mark-up from PAD 03:00pm to 04:00pm k. Balance enquiry through ATMs transaction not covered under this SOC lodgment/negotiation date to Monday to Friday (MT- 102) x. Confirmation of balance to auditors date of payment 1. ATMs located in Pakistan Rs. 2.5 (inclusive of FED) J. FOREIGN DIRECT INVESTMENT: 09:00am to 04:00pm (1Link ATM) xi. Any type of certificate issued at the b. In case documents are retired i. Investment portfolio securities i. Designation of bank for payment of ii. Authorities to encash cheques transactions (T-Bills/PIB/IJARA/SUKUK) request of customer, excluding zakat and after 15 days, bank's 2. ATMs located outside Pakistan PKR equivalent to US$ 2/- withholding tax deduction certificates dividends & disinvestment proceeds commission to be charged in where SBP has already registered the ii. PIB/IJARA/SUKUK coupon payment addition to PAD overdue mark-up l. Arbitration charges on disputed PKR equivalent of US$ 500/- per case xii. Account maintenance/service charges for shares in their record vi. Online Banking transaction (local/international) not maintaining requisite balance as iii. LC draft processing charges - For 3. Service charges on retirement of ii. Handling of foreign investment cases customers who subsequently do not open LC iii. IPS statements defined below for all products: import bills under inland LC (usance a. Intercity cash deposit/withdrawal m. Document retrieval charges Rs. 500/- per retrieval (Local) and US$ 10/- (outward/inward) & sight) iv. Local bills returned unpaid (International) a. *Soneri Current account (if average Upto Rs. 500,000 H. COMMUNICATION balance for the month is below iii. Remittance of freight charges at the b. Usance bills n. E-commerce session activation Rs. 100/- per session request of freight forwarders in terms of v. Revalidation of expired L/Cs or transfer Rs. 5,000/-) Above Rs. 500,000 i. SWIFT SBP FE circular no.-6 of 2006 to new beneficiary 1. At negotiating end, in case of o. Chip maintenance Rs. 600/- one time per card or once every five vii. Clearing and Collection b. *Soneri Ikhtiar account (if average purchase year, whichever is applicable a. Short messages balance for the month is below iv. Registration of agreement with SBP in B. BILLS Rs. 5,000/-) respect of private foreign currency loans 2. Documentary bills drawn against a. Same day clearing through NIFT p. Card upgradation Rs. 700/- one time per request obtained by borrowers in pakistan from i. Collection (outward) b. Full text LCs etc. inland LCs ( usance bill) at q. Payment services via 1Link Rs. 25/- per transaction (inclusive of FED) c. BBA account (initial deposit Rs.1,000) foreign lenders a. Documentary opening end (educational institution) ii. Postage no limit on minimum balance. (SBP b. Intercity outward clearing through NIFT K. SONERI STAFF SALARY ACCOUNTS at the time of lodgment BPD circular # 30 of 2005, dated 1. Through our own branches a. If bill matures after expiry of LC r. Low balance decline Rs. 35/- international transaction a. Inland November 29, 2005) i. Cheque book issuance c. Clean collection (including cheques) s. ATM mini statement charges Rs. 5/- per statement b. Overseas d. **PLS savings account (initial deposit 2. Through branches of other banks ii. Soneri debit Mastercard - annual fee under arrangements where 1 . Through our own branches Rs.100) commission is shared. These ii. Phone Banking iii. Courier e. Soneri Savings account (if average iii. Soneri debit Mastercard - chip charges will also apply in case a maintenance fee collection is sent to the drawee 2. Through branches of other banks a. Registration including balance inquiry, Nil a. Inland balance for the month is below branch of another bank viewing statement of account, mobile Rs. 5,000/-) top ups and utility bill payments b. Overseas iv. Banker's cheque issuance b. If bill remains unpaid after due f. Soneri Sahara account - Requirement b. Returning charges for documentary & date v. Online banking service clean collections in case the b. Funds transfer within Soneri bank Free I. BRANCH BANKING of initial deposit and minimum balance d. Other cheques/demand instruments branches instruments are returned unpaid (like dividend warrants etc.) received i. Cheque book g. Soneri Asaan account - Current/ vi. SMS alert facility through postal/courier service c. Inter bank funds transfer (IBFT) to ii. Purchase of bills, cheques, etc. C. RE MITTANCES (LOCAL CURRENCY) Transaction upto Rs. 10,000/- Savings (initial deposit Rs.100) 1Link member banks Rs. 45/- per transaction ii. Issuance of cheque book on form 'B' & 'C' vii. Account closure viii. Cheque Return Charges h. FCY Current account (if average a. Documentary bills other than those i. Demand Draft Transaction from Rs. 10,001/- to Rs. 250,000/- viii. Locker rent drawn against LC and clean bills/ a. Form 'B' for all types of accounts where balance for the month is below a. Cheque drawn on us and returned Rs. 150/- per transaction cheque book requisition is US$ 100 or equivalent in the account trade cheques a. DDs payable on branches of other unpaid for insufficient funds (clearing, banks under arrangements, where lost/misplaced currencies) same day clearing, intercity clearing & iii. Mobile Banking commission is shared inward collection (IBC)) b. Form 'C' for all types of accounts where cheque book issuance is free i. FCY Savings account (if average b. DD cancellation a. Registration including balance inquiry, Nil balance for the month is below b. Collection agent's charges, if the b. Cheque drawn on us and returned viewing statement of account, mobile collecting bank is other than the bank, US$ 100 and or equivalent in other unpaid for insufficient funds (cash top ups and utility bill payments iii. Specially printed cheque book currencies) will be extra c. Issuance of duplicate DD counter and fund transfer) c. Telegram/Long distance call charges b. Funds transfer within Soneri bank Free c. Cheque collection processed by us to branches iv. Stop payment of cheque will be extra, if fate of the instrument is recover installment of consumer asked by bank

16 DOMESTIC BANKING d. Mark-up shall be applied as under on ii. Banker's Cheque F. ALTERNATE DELIVERY CHANNELS c. Inter bank funds transfer (IBFT) to Transaction upto Rs. 10,000/- bills purchased: 1Link member banks Rs. 45/- per transaction v. Statement of account A. INLAND TRADE a. Issuance i. Soneri Debit Mastercard SONERI TRANSACT Transaction from Rs. 10,001/- to Rs. 250,000/- i. Letter of Credit 1. If retired up to 21 days from the a. Duplicate statement date of purchase b. Issuance of banker's cheque for the a. Annual fee Rs. 150/- per transaction A. Payment and reporting payment of fees/dues in favor of a. Opening commission iv. Internet Banking b. E-statement 2. If retired after 21 days educational institutions, HEC/board, etc. b. Annual fee supplementary card B. Collections/Receivable management services a. Registration including balance inquiry, Nil vi. Basic banking account, per month xiii. FBR/Provincial taxes or duties collection e. Storage charges c. Issuance for walk-in customers c. Card replacement fee viewing statement of account, mobile maximum two deposit transactions and over the counter C. Banker to the issue b. Amendments top ups and utility bill payments two cheque transactions are allowed d. Cancellation d. Local ATM cash withdrawal from any xiv. Charges from employer on salary D. Dividend warrants payout Soneri bank ATM b. Funds transfer within Soneri bank Free vii. FCY cash deposit charges disbursement service (without any formal iii. Documentary bills drawn against inland e. Issuance of duplicate branches arrangement with the bank) E. Standing instructions LCs: e. Local ATM cash withdrawal from member bank of 1Link a. Deposit of USD, EUR, GBP & UAE notes c. Inter bank funds transfer (IBFT) to 1Link Transaction up to Rs. 10,000/- in FC accounts of exchange companies Charges will not be applied on salaries a. Sight bills iii. Security Deposit Receipt member banks Rs. 45/- per transaction of government/semi government f. International ATM cash withdrawal from institutions and armed forces c. Others ATMs with Cirrus logo Transaction from Rs. 10,001/- to Rs. 250,000/- 1. At negotiating end a. Issuance viii. Record retrieval/copy Rs. 150/- per transaction xv. Account closing charges on customer a. Negotiation commission b. Cancellation g. Local purchase/services availed at request (no charges on PLS Savings, point of sale (POS) terminal a. Retrieval of old record per transaction v. SMS Alert (per instrument or deposit slip) pension, BBA and asaan accounts) c. Issuance of duplicate h. International purchase/services availed Free for all customers (subscribers and d. Advising at point of sale (POS) terminal a. All digital/alternate delivery channels b. Collection charges for restricted iv. Issuance of SBP and NBP cheque on transactions non-subscribers) b. Duplicate advice older than 1 year xvi. Safe deposit articles/packages (boxes or LCs (where negotiation is specific request of customer envelopes) i. Funds transfer through ATM within Free for all customers (subscribers and e. Amendment advising restricted to some other bank Soneri bank branches b. Outward clearing transactions c. Retrieval of surveillance camera/ To be recovered in advance at the time of and presented to us for non-subscribers) recording deposit or commencement of the each forwarding) j. Inter bank funds transfer (IBFT) through quarter f. Discrepancy fee Monday to Friday (MT- 103) ATM c. Other services/in branch transactions Rs. 90/- per month or equivalent FCY of account d. Photocopy charges other than CNIC 2. At opening end (at the time of Transaction time xvii. Prize claim handling charges on national retirement rates of mark-up): vi. FBR/Provincial govt. taxes or duties Upto Rs. 100,000/- Rs. 10/- prize bonds at the time of lodgement 09:00am to 01:30pm collection through alternate delivery Above Rs. 100,000/- and upto Rs.1M Rs. 20/- ix. Hold mail instruction charges a. Mark-up on import bill under LC 01:30pm to 03:00pm channels Above Rs. 1M Rs. 50/- xviii. Any out of pocket expenses or any overdue mark-up from PAD 03:00pm to 04:00pm k. Balance enquiry through ATMs (inclusive of FED) transaction not covered under this SOC lodgment/negotiation date to Monday to Friday (MT- 102) x. Confirmation of balance to auditors date of payment 1. ATMs located in Pakistan G. INVESTMENT PORTFOLIO SECURITIES (IPS) ACCOUNT J. FOREIGN DIRECT INVESTMENT: 09:00am to 04:00pm (1Link ATM) Rs. 625/- per transaction (sale or purchase or xi. Any type of certificate issued at the b. In case documents are retired i. Investment portfolio securities i. Designation of bank for payment of ii. Authorities to encash cheques transactions (T-Bills/PIB/IJARA/SUKUK) transfer) request of customer, excluding zakat and after 15 days, bank's 2. ATMs located outside Pakistan withholding tax deduction certificates dividends & disinvestment proceeds commission to be charged in where SBP has already registered the ii. PIB/IJARA/SUKUK coupon payment 0.025% semi-annually on face value or addition to PAD overdue mark-up l. Arbitration charges on disputed Rs. 1,000/- per month, whichever is higher xii. Account maintenance/service charges for shares in their record vi. Online Banking transaction (local/international) not maintaining requisite balance as iii. LC draft processing charges - For 3. Service charges on retirement of ii. Handling of foreign investment cases customers who subsequently do not open LC iii. IPS statements Quarterly is free but on request Rs. 100/- will be defined below for all products: import bills under inland LC (usance a. Intercity cash deposit/withdrawal m. Document retrieval charges charged (outward/inward) & sight) iv. Local bills returned unpaid a. *Soneri Current account (if average Upto Rs. 500,000 H. COMMUNICATION balance for the month is below iii. Remittance of freight charges at the b. Usance bills n. E-commerce session activation request of freight forwarders in terms of v. Revalidation of expired L/Cs or transfer Rs. 5,000/-) Above Rs. 500,000 i. SWIFT SBP FE circular no.-6 of 2006 to new beneficiary 1. At negotiating end, in case of o. Chip maintenance vii. Clearing and Collection b. *Soneri Ikhtiar account (if average purchase a. Short messages Rs. 750/- balance for the month is below iv. Registration of agreement with SBP in B. BILLS Rs. 5,000/-) respect of private foreign currency loans 2. Documentary bills drawn against a. Same day clearing through NIFT p. Card upgradation obtained by borrowers in pakistan from i. Collection (outward) b. Full text LCs etc. Rs. 1,500/- inland LCs ( usance bill) at q. Payment services via 1Link c. BBA account (initial deposit Rs.1,000) foreign lenders a. Documentary opening end (educational institution) ii. Postage no limit on minimum balance. (SBP b. Intercity outward clearing through NIFT K. SONERI STAFF SALARY ACCOUNTS at the time of lodgment BPD circular # 30 of 2005, dated 1. Through our own branches a. If bill matures after expiry of LC r. Low balance decline a. Inland Rs. 100/- November 29, 2005) i. Cheque book issuance c. Clean collection (including cheques) s. ATM mini statement charges b. Overseas Rs. 250/- d. **PLS savings account (initial deposit 2. Through branches of other banks ii. Soneri debit Mastercard - annual fee under arrangements where 1 . Through our own branches Rs.100) commission is shared. These ii. Phone Banking iii. Courier e. Soneri Savings account (if average iii. Soneri debit Mastercard - chip charges will also apply in case a maintenance fee collection is sent to the drawee 2. Through branches of other banks a. Registration including balance inquiry, a. Inland Rs. 125/- balance for the month is below branch of another bank viewing statement of account, mobile Rs. 5,000/-) top ups and utility bill payments b. Overseas Rs. 2,500/- or actual, whichever is higher iv. Banker's cheque issuance b. If bill remains unpaid after due f. Soneri Sahara account - Requirement b. Returning charges for documentary & date v. Online banking service clean collections in case the b. Funds transfer within Soneri bank I. BRANCH BANKING of initial deposit and minimum balance d. Other cheques/demand instruments branches instruments are returned unpaid (like dividend warrants etc.) received i. Cheque book Rs. 15/- per leaf or equivalent in other currencies g. Soneri Asaan account - Current/ vi. SMS alert facility through postal/courier service c. Inter bank funds transfer (IBFT) to ii. Purchase of bills, cheques, etc. C. RE MITTANCES (LOCAL CURRENCY) Savings (initial deposit Rs.100) 1Link member banks ii. Issuance of cheque book on form 'B' & 'C' vii. Account closure viii. Cheque Return Charges h. FCY Current account (if average a. Documentary bills other than those i. Demand Draft viii. Locker rent drawn against LC and clean bills/ a. Form 'B' for all types of accounts where Rs. 375/- per cheque book or equivalent in other balance for the month is below a. Cheque drawn on us and returned cheque book requisition is US$ 100 or equivalent in the account trade cheques a. DDs payable on branches of other unpaid for insufficient funds (clearing, currencies plus cheque book charges as per point I-i banks under arrangements, where lost/misplaced currencies) same day clearing, intercity clearing & iii. Mobile Banking commission is shared inward collection (IBC)) b. Form 'C' for all types of accounts Rs. 375/- per cheque book or equivalent in other where cheque book issuance is free currencies i. FCY Savings account (if average b. DD cancellation a. Registration including balance inquiry, balance for the month is below b. Collection agent's charges, if the b. Cheque drawn on us and returned viewing statement of account, mobile collecting bank is other than the bank, US$ 100 and or equivalent in other unpaid for insufficient funds (cash top ups and utility bill payments iii. Specially printed cheque book At actual, in addition to charges applicable as per currencies) will be extra c. Issuance of duplicate DD counter and fund transfer) above I-i c. Telegram/Long distance call charges b. Funds transfer within Soneri bank c. Cheque collection processed by us to branches iv. Stop payment of cheque Rs. 500/- per instruction or equivalent in other will be extra, if fate of the instrument is recover installment of consumer asked by bank currencies

17 DOMESTIC BANKING d. Mark-up shall be applied as under on ii. Banker's Cheque F. ALTERNATE DELIVERY CHANNELS c. Inter bank funds transfer (IBFT) to bills purchased: 1Link member banks v. Statement of account A. INLAND TRADE a. Issuance i. Soneri Debit Mastercard SONERI TRANSACT i. Letter of Credit 1. If retired up to 21 days from the a. Duplicate statement Rs. 35/- per statement (inclusive of FED) date of purchase b. Issuance of banker's cheque for the a. Annual fee A. Payment and reporting payment of fees/dues in favor of a. Opening commission iv. Internet Banking b. E-statement Free 2. If retired after 21 days educational institutions, HEC/board, etc. b. Annual fee supplementary card B. Collections/Receivable management services a. Registration including balance inquiry, vi. Basic banking account, per month Rs. 35/- will be charged on each additional xiii. FBR/Provincial taxes or duties collection e. Storage charges c. Issuance for walk-in customers c. Card replacement fee viewing statement of account, mobile maximum two deposit transactions and transaction during the month over the counter C. Banker to the issue b. Amendments top ups and utility bill payments two cheque transactions are allowed d. Cancellation d. Local ATM cash withdrawal from any xiv. Charges from employer on salary D. Dividend warrants payout Soneri bank ATM b. Funds transfer within Soneri bank vii. FCY cash deposit charges disbursement service (without any formal iii. Documentary bills drawn against inland e. Issuance of duplicate branches arrangement with the bank) E. Standing instructions LCs: e. Local ATM cash withdrawal from member bank of 1Link a. Deposit of USD, EUR, GBP & UAE notes 0.50% at upcountry branches, c. Inter bank funds transfer (IBFT) to 1Link in FC accounts of exchange companies 0.25% at Karachi branches Charges will not be applied on salaries a. Sight bills iii. Security Deposit Receipt member banks minimum Rs. 500/- of government/semi government f. International ATM cash withdrawal from institutions and armed forces c. Others ATMs with Cirrus logo 1. At negotiating end a. Issuance viii. Record retrieval/copy xv. Account closing charges on customer a. Negotiation commission b. Cancellation g. Local purchase/services availed at request (no charges on PLS Savings, point of sale (POS) terminal a. Retrieval of old record per transaction Upto 1 years Rs. 300/- v. SMS Alert (per instrument or deposit slip) Upto 3 years Rs. 500/- pension, BBA and asaan accounts) c. Issuance of duplicate h. International purchase/services availed Over 3 years Rs. 1,000/- d. Advising at point of sale (POS) terminal a. All digital/alternate delivery channels b. Collection charges for restricted iv. Issuance of SBP and NBP cheque on transactions b. Duplicate advice older than 1 year Rs. 75/- per advice xvi. Safe deposit articles/packages (boxes or LCs (where negotiation is specific request of customer i. Funds transfer through ATM within envelopes) e. Amendment advising restricted to some other bank Soneri bank branches b. Outward clearing transactions c. Retrieval of surveillance camera/ Rs. 500/- per instance To be recovered in advance at the time of and presented to us for recording No charges for law enforcement agencies deposit or commencement of the each forwarding) j. Inter bank funds transfer (IBFT) through quarter f. Discrepancy fee Monday to Friday (MT- 103) ATM c. Other services/in branch transactions d. Photocopy charges other than CNIC Rs. 5/- per copy 2. At opening end (at the time of Transaction time xvii. Prize claim handling charges on national retirement rates of mark-up): vi. FBR/Provincial govt. taxes or duties prize bonds at the time of lodgement 09:00am to 01:30pm collection through alternate delivery ix. Hold mail instruction charges Rs. 1,000/- per annum (in advance, only for a. Mark-up on import bill under LC 01:30pm to 03:00pm channels existing hold mail customers) xviii. Any out of pocket expenses or any overdue mark-up from PAD 03:00pm to 04:00pm k. Balance enquiry through ATMs transaction not covered under this SOC lodgment/negotiation date to Monday to Friday (MT- 102) x. Confirmation of balance to auditors Rs. 350/- per certificate date of payment 1. ATMs located in Pakistan J. FOREIGN DIRECT INVESTMENT: 09:00am to 04:00pm (1Link ATM) xi. Any type of certificate issued at the Rs. 350/- per certificate b. In case documents are retired i. Investment portfolio securities i. Designation of bank for payment of ii. Authorities to encash cheques transactions (T-Bills/PIB/IJARA/SUKUK) request of customer, excluding zakat and after 15 days, bank's 2. ATMs located outside Pakistan withholding tax deduction certificates dividends & disinvestment proceeds commission to be charged in where SBP has already registered the ii. PIB/IJARA/SUKUK coupon payment addition to PAD overdue mark-up l. Arbitration charges on disputed xii. Account maintenance/service charges for shares in their record vi. Online Banking transaction (local/international) not maintaining requisite balance as iii. LC draft processing charges - For 3. Service charges on retirement of ii. Handling of foreign investment cases customers who subsequently do not open LC iii. IPS statements defined below for all products: import bills under inland LC (usance a. Intercity cash deposit/withdrawal m. Document retrieval charges (outward/inward) & sight) iv. Local bills returned unpaid a. *Soneri Current account (if average Rs. 50/- per month (inclusive of FED) Upto Rs. 500,000 H. COMMUNICATION balance for the month is below iii. Remittance of freight charges at the b. Usance bills n. E-commerce session activation request of freight forwarders in terms of v. Revalidation of expired L/Cs or transfer Rs. 5,000/-) Above Rs. 500,000 i. SWIFT SBP FE circular no.-6 of 2006 to new beneficiary 1. At negotiating end, in case of o. Chip maintenance vii. Clearing and Collection b. *Soneri Ikhtiar account (if average Rs. 50/- per month (inclusive of FED) purchase a. Short messages balance for the month is below iv. Registration of agreement with SBP in B. BILLS Rs. 5,000/-) respect of private foreign currency loans 2. Documentary bills drawn against a. Same day clearing through NIFT p. Card upgradation obtained by borrowers in pakistan from i. Collection (outward) b. Full text LCs etc. inland LCs ( usance bill) at q. Payment services via 1Link c. BBA account (initial deposit Rs.1,000) Nil foreign lenders a. Documentary opening end (educational institution) ii. Postage no limit on minimum balance. (SBP b. Intercity outward clearing through NIFT K. SONERI STAFF SALARY ACCOUNTS at the time of lodgment BPD circular # 30 of 2005, dated 1. Through our own branches a. If bill matures after expiry of LC r. Low balance decline a. Inland November 29, 2005) i. Cheque book issuance c. Clean collection (including cheques) s. ATM mini statement charges b. Overseas d. **PLS savings account (initial deposit Nil 2. Through branches of other banks ii. Soneri debit Mastercard - annual fee under arrangements where 1 . Through our own branches Rs.100) commission is shared. These ii. Phone Banking iii. Courier e. Soneri Savings account (if average Rs. 50/- per month (inclusive of FED) iii. Soneri debit Mastercard - chip charges will also apply in case a maintenance fee collection is sent to the drawee 2. Through branches of other banks a. Registration including balance inquiry, a. Inland balance for the month is below branch of another bank viewing statement of account, mobile Rs. 5,000/-) top ups and utility bill payments b. Overseas iv. Banker's cheque issuance b. If bill remains unpaid after due f. Soneri Sahara account - Requirement Nil b. Returning charges for documentary & date v. Online banking service clean collections in case the b. Funds transfer within Soneri bank I. BRANCH BANKING of initial deposit and minimum balance d. Other cheques/demand instruments branches instruments are returned unpaid (like dividend warrants etc.) received i. Cheque book g. Soneri Asaan account - Current/ Nil vi. SMS alert facility through postal/courier service c. Inter bank funds transfer (IBFT) to ii. Purchase of bills, cheques, etc. C. RE MITTANCES (LOCAL CURRENCY) Savings (initial deposit Rs.100) 1Link member banks ii. Issuance of cheque book on form 'B' & 'C' vii. Account closure viii. Cheque Return Charges h. FCY Current account (if average Rs. 50/- equivalent to the account currency a. Documentary bills other than those i. Demand Draft viii. Locker rent drawn against LC and clean bills/ a. Form 'B' for all types of accounts where balance for the month is below (inclusive of FED) a. Cheque drawn on us and returned cheque book requisition is US$ 100 or equivalent in the account trade cheques a. DDs payable on branches of other unpaid for insufficient funds (clearing, banks under arrangements, where lost/misplaced currencies) same day clearing, intercity clearing & iii. Mobile Banking commission is shared inward collection (IBC)) b. Form 'C' for all types of accounts where cheque book issuance is free i. FCY Savings account (if average Nil b. DD cancellation a. Registration including balance inquiry, balance for the month is below b. Collection agent's charges, if the b. Cheque drawn on us and returned viewing statement of account, mobile collecting bank is other than the bank, US$ 100 and or equivalent in other unpaid for insufficient funds (cash top ups and utility bill payments iii. Specially printed cheque book currencies) will be extra c. Issuance of duplicate DD counter and fund transfer) c. Telegram/Long distance call charges b. Funds transfer within Soneri bank c. Cheque collection processed by us to branches iv. Stop payment of cheque will be extra, if fate of the instrument is recover installment of consumer asked by bank *No minimum balance required to avail free services.

18 DOMESTIC BANKING d. Mark-up shall be applied as under on ii. Banker's Cheque F. ALTERNATE DELIVERY CHANNELS c. Inter bank funds transfer (IBFT) to **Initial amount for opening of regular PLS Savings account will be Rs.100/-, however, no initial deposit bills purchased: 1Link member banks v. Statement of account A. INLAND TRADE a. Issuance i. Soneri Debit Mastercard would be required for opening of account by (i) Mustahkeen of zakat, (ii) Students, (iii) Employees of SONERI TRANSACT government or semi government institutions for salary and pension purposes (including widows/children of i. Letter of Credit 1. If retired up to 21 days from the a. Duplicate statement date of purchase b. Issuance of banker's cheque for the a. Annual fee deceased employees eligible for family pension/benevolent fund grant, etc.) and similar types of accounts. A. Payment and reporting payment of fees/dues in favor of a. Opening commission iv. Internet Banking b. E-statement (SBP BPRD circular # 7 of 2011, dated May 27, 2011. 2. If retired after 21 days educational institutions, HEC/board, etc. b. Annual fee supplementary card B. Collections/Receivable management services a. Registration including balance inquiry, vi. Basic banking account, per month xiii. FBR/Provincial taxes or duties collection Rs. 50/- per transaction (inclusive of FED) e. Storage charges c. Issuance for walk-in customers c. Card replacement fee viewing statement of account, mobile maximum two deposit transactions and over the counter C. Banker to the issue b. Amendments top ups and utility bill payments two cheque transactions are allowed d. Cancellation d. Local ATM cash withdrawal from any xiv. Charges from employer on salary Corporate/Cash management customers as per D. Dividend warrants payout Soneri bank ATM b. Funds transfer within Soneri bank vii. FCY cash deposit charges disbursement service (without any formal agreement iii. Documentary bills drawn against inland e. Issuance of duplicate branches arrangement with the bank) E. Standing instructions LCs: e. Local ATM cash withdrawal from Other customers Rs. 750/- per instruction member bank of 1Link a. Deposit of USD, EUR, GBP & UAE notes c. Inter bank funds transfer (IBFT) to 1Link in FC accounts of exchange companies Charges will not be applied on salaries a. Sight bills iii. Security Deposit Receipt member banks of government/semi government f. International ATM cash withdrawal from institutions and armed forces c. Others ATMs with Cirrus logo 1. At negotiating end a. Issuance viii. Record retrieval/copy xv. Account closing charges on customer Rs. 150/- or whatever minimum balance is a. Negotiation commission b. Cancellation g. Local purchase/services availed at request (no charges on PLS Savings, available (Banker’s cheque issuance charges will point of sale (POS) terminal a. Retrieval of old record per transaction v. SMS Alert (per instrument or deposit slip) pension, BBA and asaan accounts) be additional if issued for the remaining balance of c. Issuance of duplicate the account) h. International purchase/services availed d. Advising at point of sale (POS) terminal a. All digital/alternate delivery channels b. Collection charges for restricted iv. Issuance of SBP and NBP cheque on transactions b. Duplicate advice older than 1 year xvi. Safe deposit articles/packages (boxes or Boxes and packages Rs. 300/- per quarter LCs (where negotiation is specific request of customer i. Funds transfer through ATM within envelopes) e. Amendment advising restricted to some other bank Soneri bank branches b. Outward clearing transactions c. Retrieval of surveillance camera/ To be recovered in advance at the time of Envelopes Rs. 250/- per quarter and presented to us for recording deposit or commencement of the each forwarding) j. Inter bank funds transfer (IBFT) through quarter f. Discrepancy fee Monday to Friday (MT- 103) ATM c. Other services/in branch transactions d. Photocopy charges other than CNIC 2. At opening end (at the time of Transaction time xvii. Prize claim handling charges on national Rs. 750/- per prize bond and CIT shipment retirement rates of mark-up): vi. FBR/Provincial govt. taxes or duties prize bonds at the time of lodgement charges will be recovered at actual 09:00am to 01:30pm collection through alternate delivery ix. Hold mail instruction charges a. Mark-up on import bill under LC 01:30pm to 03:00pm channels xviii. Any out of pocket expenses or any At actual overdue mark-up from PAD 03:00pm to 04:00pm k. Balance enquiry through ATMs transaction not covered under this SOC lodgment/negotiation date to Monday to Friday (MT- 102) x. Confirmation of balance to auditors date of payment 1. ATMs located in Pakistan J. FOREIGN DIRECT INVESTMENT: 09:00am to 04:00pm (1Link ATM) xi. Any type of certificate issued at the b. In case documents are retired i. Investment portfolio securities i. Designation of bank for payment of 0.15% minimum Rs. 2,500/- ii. Authorities to encash cheques transactions (T-Bills/PIB/IJARA/SUKUK) request of customer, excluding zakat and after 15 days, bank's 2. ATMs located outside Pakistan withholding tax deduction certificates dividends & disinvestment proceeds commission to be charged in where SBP has already registered the ii. PIB/IJARA/SUKUK coupon payment addition to PAD overdue mark-up l. Arbitration charges on disputed xii. Account maintenance/service charges for shares in their record vi. Online Banking transaction (local/international) not maintaining requisite balance as iii. LC draft processing charges - For 3. Service charges on retirement of ii. Handling of foreign investment cases 0.15% minimum Rs. 3,000/- customers who subsequently do not open LC iii. IPS statements defined below for all products: import bills under inland LC (usance a. Intercity cash deposit/withdrawal m. Document retrieval charges (outward/inward) & sight) iv. Local bills returned unpaid a. *Soneri Current account (if average Upto Rs. 500,000 H. COMMUNICATION balance for the month is below iii. Remittance of freight charges at the Rs. 3,000/- plus FTT charges and SWIFT charges b. Usance bills n. E-commerce session activation request of freight forwarders in terms of v. Revalidation of expired L/Cs or transfer Rs. 5,000/-) Above Rs. 500,000 i. SWIFT SBP FE circular no.-6 of 2006 to new beneficiary 1. At negotiating end, in case of o. Chip maintenance vii. Clearing and Collection b. *Soneri Ikhtiar account (if average purchase a. Short messages balance for the month is below iv. Registration of agreement with SBP in Rs. 3,000/- flat as handling and service charges B. BILLS Rs. 5,000/-) respect of private foreign currency loans 2. Documentary bills drawn against a. Same day clearing through NIFT p. Card upgradation obtained by borrowers in pakistan from i. Collection (outward) b. Full text LCs etc. inland LCs ( usance bill) at q. Payment services via 1Link c. BBA account (initial deposit Rs.1,000) foreign lenders a. Documentary opening end (educational institution) ii. Postage no limit on minimum balance. (SBP b. Intercity outward clearing through NIFT K. SONERI STAFF SALARY ACCOUNTS at the time of lodgment BPD circular # 30 of 2005, dated 1. Through our own branches a. If bill matures after expiry of LC r. Low balance decline a. Inland November 29, 2005) i. Cheque book issuance Free c. Clean collection (including cheques) s. ATM mini statement charges b. Overseas d. **PLS savings account (initial deposit 2. Through branches of other banks ii. Soneri debit Mastercard - annual fee Free under arrangements where 1 . Through our own branches Rs.100) commission is shared. These ii. Phone Banking iii. Courier e. Soneri Savings account (if average iii. Soneri debit Mastercard - chip Free charges will also apply in case a maintenance fee collection is sent to the drawee 2. Through branches of other banks a. Registration including balance inquiry, a. Inland balance for the month is below branch of another bank viewing statement of account, mobile Rs. 5,000/-) top ups and utility bill payments b. Overseas iv. Banker's cheque issuance Free b. If bill remains unpaid after due f. Soneri Sahara account - Requirement b. Returning charges for documentary & date v. Online banking service Free clean collections in case the b. Funds transfer within Soneri bank I. BRANCH BANKING of initial deposit and minimum balance d. Other cheques/demand instruments branches instruments are returned unpaid (like dividend warrants etc.) received i. Cheque book g. Soneri Asaan account - Current/ vi. SMS alert facility Free through postal/courier service c. Inter bank funds transfer (IBFT) to ii. Purchase of bills, cheques, etc. C. RE MITTANCES (LOCAL CURRENCY) Savings (initial deposit Rs.100) 1Link member banks ii. Issuance of cheque book on form 'B' & 'C' vii. Account closure Free viii. Cheque Return Charges h. FCY Current account (if average a. Documentary bills other than those i. Demand Draft viii. Locker rent 50% will be waived drawn against LC and clean bills/ a. Form 'B' for all types of accounts where balance for the month is below a. Cheque drawn on us and returned cheque book requisition is US$ 100 or equivalent in the account trade cheques a. DDs payable on branches of other unpaid for insufficient funds (clearing, banks under arrangements, where lost/misplaced currencies) same day clearing, intercity clearing & iii. Mobile Banking commission is shared inward collection (IBC)) b. Form 'C' for all types of accounts where cheque book issuance is free i. FCY Savings account (if average b. DD cancellation a. Registration including balance inquiry, balance for the month is below b. Collection agent's charges, if the b. Cheque drawn on us and returned viewing statement of account, mobile collecting bank is other than the bank, US$ 100 and or equivalent in other unpaid for insufficient funds (cash top ups and utility bill payments iii. Specially printed cheque book currencies) will be extra c. Issuance of duplicate DD counter and fund transfer) c. Telegram/Long distance call charges b. Funds transfer within Soneri bank c. Cheque collection processed by us to branches iv. Stop payment of cheque will be extra, if fate of the instrument is recover installment of consumer asked by bank

19 DOMESTIC BANKING d. Mark-up shall be applied as under on ii. Banker's Cheque F. ALTERNATE DELIVERY CHANNELS c. Inter bank funds transfer (IBFT) to CASH MANAGEMENT SERVICES - CORPORATE & INVESTMENT BANKING bills purchased: 1Link member banks v. Statement of account A. INLAND TRADE a. Issuance i. Soneri Debit Mastercard SONERI TRANSACT i. Letter of Credit 1. If retired up to 21 days from the a. Duplicate statement date of purchase b. Issuance of banker's cheque for the a. Annual fee A. Payment and reporting As per arrangement/agreement with the customer payment of fees/dues in favor of a. Opening commission iv. Internet Banking b. E-statement 2. If retired after 21 days educational institutions, HEC/board, etc. b. Annual fee supplementary card B. Collections/Receivable management services As per arrangement/agreement with the customer a. Registration including balance inquiry, vi. Basic banking account, per month xiii. FBR/Provincial taxes or duties collection e. Storage charges c. Issuance for walk-in customers c. Card replacement fee viewing statement of account, mobile maximum two deposit transactions and over the counter C. Banker to the issue As per arrangement/agreement with the customer b. Amendments top ups and utility bill payments two cheque transactions are allowed d. Cancellation d. Local ATM cash withdrawal from any xiv. Charges from employer on salary D. Dividend warrants payout As per arrangement/agreement with the customer Soneri bank ATM b. Funds transfer within Soneri bank vii. FCY cash deposit charges disbursement service (without any formal iii. Documentary bills drawn against inland e. Issuance of duplicate branches arrangement with the bank) E. Standing instructions As per arrangement/agreement with the customer LCs: e. Local ATM cash withdrawal from member bank of 1Link a. Deposit of USD, EUR, GBP & UAE notes c. Inter bank funds transfer (IBFT) to 1Link in FC accounts of exchange companies Charges will not be applied on salaries Note: a. Sight bills iii. Security Deposit Receipt member banks of government/semi government f. International ATM cash withdrawal from institutions and armed forces - Fees/charges/pricing for cash management services offered to customers will be decided on a c. Others ATMs with Cirrus logo 1. At negotiating end a. Issuance viii. Record retrieval/copy case-to-case basis, depending on the overall scope of services, transaction volume, account balances xv. Account closing charges on customer in accordance with mutual consent with the customer. a. Negotiation commission b. Cancellation g. Local purchase/services availed at request (no charges on PLS Savings, point of sale (POS) terminal a. Retrieval of old record per transaction v. SMS Alert (per instrument or deposit slip) pension, BBA and asaan accounts) c. Issuance of duplicate - Any additional service not mentioned above will be decided in accordance with the mutual consent of h. International purchase/services availed the customer. d. Advising at point of sale (POS) terminal a. All digital/alternate delivery channels b. Collection charges for restricted iv. Issuance of SBP and NBP cheque on transactions b. Duplicate advice older than 1 year xvi. Safe deposit articles/packages (boxes or LCs (where negotiation is specific request of customer i. Funds transfer through ATM within envelopes) Note: restricted to some other bank b. Outward clearing transactions To be recovered in advance at the time of e. Amendment advising Soneri bank branches c. Retrieval of surveillance camera/ a. All such collection accounts i.e. non-chequing accounts from where the balances/funds as per standing and presented to us for recording deposit or commencement of the each instructions, are transferred to customer's main collection account whether daily or on periodical basis, forwarding) j. Inter bank funds transfer (IBFT) through quarter f. Discrepancy fee Monday to Friday (MT- 103) ATM c. Other services/in branch transactions d. Photocopy charges other than CNIC shall be exempted from levy of these service charges. 2. At opening end (at the time of Transaction time xvii. Prize claim handling charges on national b. Accounts maintained by (i) Students (ii) Mustahqeen of Zakat and (iii) Employees of government/ retirement rates of mark-up): vi. FBR/Provincial govt. taxes or duties prize bonds at the time of lodgement 09:00am to 01:30pm semi-government institutions for salary and pension purposes including widows/children of deceased collection through alternate delivery ix. Hold mail instruction charges a. Mark-up on import bill under LC 01:30pm to 03:00pm channels xviii. Any out of pocket expenses or any employees eligible for family pension/benevolent fund grant etc. shall be exempted from levy of service overdue mark-up from PAD 03:00pm to 04:00pm k. Balance enquiry through ATMs transaction not covered under this SOC charges. Also to be waived in case of cooperative societies, benevolent funds, charitable & welfare lodgment/negotiation date to organisations. Monday to Friday (MT- 102) x. Confirmation of balance to auditors date of payment 1. ATMs located in Pakistan J. FOREIGN DIRECT INVESTMENT: c. No charges are to be recovered from students depositing the amount of fees directly in fee collecting 09:00am to 04:00pm (1Link ATM) xi. Any type of certificate issued at the b. In case documents are retired i. Investment portfolio securities i. Designation of bank for payment of account of educational institution. ii. Authorities to encash cheques transactions (T-Bills/PIB/IJARA/SUKUK) request of customer, excluding zakat and after 15 days, bank's 2. ATMs located outside Pakistan withholding tax deduction certificates dividends & disinvestment proceeds d. Branches are advised that FED is now applicable on all banking services, except for a few services. The commission to be charged in where SBP has already registered the ii. PIB/IJARA/SUKUK coupon payment FED shall be recovered as per the rates applicable in the respective provinces. addition to PAD overdue mark-up l. Arbitration charges on disputed xii. Account maintenance/service charges for shares in their record vi. Online Banking transaction (local/international) not maintaining requisite balance as iii. LC draft processing charges - For 3. Service charges on retirement of ii. Handling of foreign investment cases customers who subsequently do not open LC iii. IPS statements defined below for all products: import bills under inland LC (usance a. Intercity cash deposit/withdrawal m. Document retrieval charges (outward/inward) & sight) iv. Local bills returned unpaid a. *Soneri Current account (if average Upto Rs. 500,000 H. COMMUNICATION balance for the month is below iii. Remittance of freight charges at the b. Usance bills n. E-commerce session activation request of freight forwarders in terms of v. Revalidation of expired L/Cs or transfer Rs. 5,000/-) Above Rs. 500,000 i. SWIFT SBP FE circular no.-6 of 2006 to new beneficiary 1. At negotiating end, in case of o. Chip maintenance vii. Clearing and Collection b. *Soneri Ikhtiar account (if average purchase a. Short messages balance for the month is below iv. Registration of agreement with SBP in B. BILLS Rs. 5,000/-) respect of private foreign currency loans 2. Documentary bills drawn against a. Same day clearing through NIFT p. Card upgradation obtained by borrowers in pakistan from i. Collection (outward) b. Full text LCs etc. inland LCs ( usance bill) at q. Payment services via 1Link c. BBA account (initial deposit Rs.1,000) foreign lenders a. Documentary opening end (educational institution) ii. Postage no limit on minimum balance. (SBP b. Intercity outward clearing through NIFT K. SONERI STAFF SALARY ACCOUNTS at the time of lodgment BPD circular # 30 of 2005, dated 1. Through our own branches a. If bill matures after expiry of LC r. Low balance decline a. Inland November 29, 2005) i. Cheque book issuance c. Clean collection (including cheques) s. ATM mini statement charges b. Overseas d. **PLS savings account (initial deposit 2. Through branches of other banks ii. Soneri debit Mastercard - annual fee under arrangements where 1 . Through our own branches Rs.100) commission is shared. These ii. Phone Banking iii. Courier e. Soneri Savings account (if average iii. Soneri debit Mastercard - chip charges will also apply in case a maintenance fee collection is sent to the drawee 2. Through branches of other banks a. Registration including balance inquiry, a. Inland balance for the month is below branch of another bank viewing statement of account, mobile Rs. 5,000/-) top ups and utility bill payments b. Overseas iv. Banker's cheque issuance b. If bill remains unpaid after due f. Soneri Sahara account - Requirement b. Returning charges for documentary & date v. Online banking service clean collections in case the b. Funds transfer within Soneri bank I. BRANCH BANKING of initial deposit and minimum balance d. Other cheques/demand instruments branches instruments are returned unpaid (like dividend warrants etc.) received i. Cheque book g. Soneri Asaan account - Current/ vi. SMS alert facility through postal/courier service c. Inter bank funds transfer (IBFT) to ii. Purchase of bills, cheques, etc. C. RE MITTANCES (LOCAL CURRENCY) Savings (initial deposit Rs.100) 1Link member banks ii. Issuance of cheque book on form 'B' & 'C' vii. Account closure viii. Cheque Return Charges h. FCY Current account (if average a. Documentary bills other than those i. Demand Draft viii. Locker rent drawn against LC and clean bills/ a. Form 'B' for all types of accounts where balance for the month is below a. Cheque drawn on us and returned cheque book requisition is US$ 100 or equivalent in the account trade cheques a. DDs payable on branches of other unpaid for insufficient funds (clearing, banks under arrangements, where lost/misplaced currencies) same day clearing, intercity clearing & iii. Mobile Banking commission is shared inward collection (IBC)) b. Form 'C' for all types of accounts where cheque book issuance is free i. FCY Savings account (if average b. DD cancellation a. Registration including balance inquiry, balance for the month is below b. Collection agent's charges, if the b. Cheque drawn on us and returned viewing statement of account, mobile collecting bank is other than the bank, US$ 100 and or equivalent in other unpaid for insufficient funds (cash top ups and utility bill payments iii. Specially printed cheque book currencies) will be extra c. Issuance of duplicate DD counter and fund transfer) c. Telegram/Long distance call charges b. Funds transfer within Soneri bank c. Cheque collection processed by us to branches iv. Stop payment of cheque will be extra, if fate of the instrument is recover installment of consumer asked by bank

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