Key Fact Statement for Deposit Product Key Fact Statement for Deposit Product

Important: Read this document carefully, if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare Branch Dated: different accounts offered by other . You have the right to receive KFS from other banks for comparison. Account Types & Salient Features: This information is accurate as of the date above. Services, fees and mark-up rates may change on half yearly basis. For updated fees/charges, you may visit our website City or visit our nearest branch. Current Accounts Savings Accounts Term Deposit Reciepts Ikhtiar Sahara Basic PLS Term Nigehban Particulars and Pensioners Ladies First Asaan Foreign Currency (Senior Soneri Savings Asaan Foreign Currency FCY Deposits Banking Savings/Pensioners Deposits Deposit Current Citizens)

Currency PKR PKR PKR PKR PKR USD/GBP/EURO/JPY PKR PKR PKR PKR USD/GBP/EURO PKR PKR USD/GBP/EURO

Rs. Rs. 100 in 100 in Rs. To Open Rs. 100/- Rs. 1,000/- Rs. 100/- Rs. 0/- Rs. 100/- Rs. 1,000/- Rs. 100/- Rs. 25,000/- FCY 2,000/- 1,000/- 1,000/- USD/GBP/EURO 5,000 in JPY USD/GBP/EURO 25,000/- Minimum Rs. Balance for 5,000/- 100 in Rs. 5,000/- on Rs. Account To Keep on Rs. 0/- Rs. 0/- Rs. 0/- Rs. 0/- Rs. 0/- Rs. 0/- Rs. 0/- N/A Rs. 25,000/- FCY 2,000/- USD/GBP/EURO 5,000 in JPY monthly average 25,000/- monthly average Rs. 50/- RS. 50/- Rs. 50/- inclusive Account Maintenance Fee inclusive Rs. 0/- Rs. 0/- Rs. 0/- Rs. 0/- Rs. 0/- Rs. 0/- Rs. 0/- N/A N/A N/A N/A inclusive of FED of FED of FED Is Profit Paid on account Yes, (Subject to the applicable Yes no rate will be applied on Yes FCY Savings balance tax rate) below 2,000/-

0.10% for USD 0.05% Indicative Profit Rate 5.50% 5.50% 5.50% 5.50% As per the prevailing rate sheet for GBP

Monthly, Monthly, N/A Quarterly, Quarterly, Half Profit Payment Frequency Monthly Half yearly Monthly Half yearly Half yearly Monthly Half yearly yearly and and Yearly Yearly

Example (Rs.1,000, you USD 0.5/- can earn Rs.____ on given 4.583333333 27.5 4.583333333 4.583333333 Contact branch for profit calculation GBP 0.04/- periodicity)

Penalty of 0.25% from Reduction in rate of Premature/Early profit, however return by 100bps. There Encashment/Withdrawal N/A there will be will be no reduction in no reduction in Fee principal amount. the principal balance. Service Charges IMPORTANT: This is a list of the main service charges for these accounts. It does not include all charges. You can find a full list at our branches or on our website www.soneribank.com. Please note that all Charges are exclusive of applicable taxes. Ikhtiar and Basic Sahara (Senior Soneri Foreign Services Modes Pensioners Ladies First Asaan Foreign Currency PLS Savings/Pensioners Asaan Current Banking Citizens) Savings Currency Rs. 200/- per transaction of up to Rs. 500,000/- Rs. 200/- per transaction of up to Rs. 500,000/- Intercity Rs. 0/- Rs. 0/- Rs. 300/- per transaction of above Rs. 500,000/- Rs. 300/- per transaction of above Rs. 500,000/- N/A Rs. 0/- Cash Intra-city Rs. 0/- Transaction Own ATM Withdrawal Rs. 0/- Rs. 0/- N/A N/A Other Banks’ ATM Rs. 18.75/- per transaction (inclusive of FED) Rs. 18.75/- per transaction (inclusive of FED) N/A ADC/Digital/Clearing Rs. 0/- SMS Alerts For other transactions Rs. 90/- per month or equivalent FCY of account Mastercard Standard Rs. 900/- Rs. 900/- N/A Rs. 900/- N/A Rs. 900/- Rs. 900/- Rs. 900/- N/A Mastercard Gold Rs. 1,200/- Rs. 1,200/- N/A Rs. 1,200/- N/A Rs. 1,200/- Rs. 1,200/- Rs. 1,200/- N/A Debit Cards N/A N/A PayPak Rs. 0/- Rs. 625/- Rs. 650/- Rs. 625/- Rs. 625/- Rs. 650/-

Rs. 15/- per Rs.0/- first of 25 Rs. 15/- per leaf leaf equivalent Issuance Rs. 0/- Rs. 15/- per Rs. 15/- per leaves otherwise Rs. 15/- per equivalent in other Rs. 15/- per leaf Rs. 15/- per leaf Cheque Book in other leaf leaf Rs. 15/- per leaf leaf currencies currencies Stop payment Rs. 500/- per instruction or equivalent in other currencies Rs. 0/- up to 2 Remittance per month Banker Cheque/Pay Order Rs. 0/- Rs. 300/- flat Rs. 300/- flat N/A Rs. 300/- flat N/A (Local) otherwise Rs. 300/- Flat US$ 18/- or US$ 18/- or US$ 18/- or equivalent plus SWIFT charges US$ 18/- or equivalent plus SWIFT charges equivalent plus equivalent plus Foreign Demand Draft N/A N/A SWIFT charges SWIFT charges Remittance and Paisas 10 per Rs. 100/- minimum Rs. 900/- and Paisas 10 per Rs. 100/- minimum Rs. 900/- (Foreign) US$ 30/- or equivalent plus SWIFT charges US$ 30/- or US$ 30/- or equivalent plus SWIFT charges US$ 30/- or Wire Transfer N/A equivalent plus N/A equivalent plus and Paisas 10 per Rs. 100/- minimum Rs. 900/- SWIFT charges and Paisas 10 per Rs. 100/- minimum Rs. 900/- SWIFT charges Annual/Half yearly Rs. 0/- Statement of Rs. 35/- Rs. 35/- equivalent in other currencies Account Duplicate Rs. 0/- Rs. 0/- (inclusive of FED) (inclusive of FED) ADC/Digital Channels Rs. 0/- Funds Transfer IBFT Rs. 40/- up to Rs. 10,000/- Rs. 135/- Rs. 10,001/- up to Rs. 250,000/- N/A Rs. 40/- up to Rs. 10,000/- Rs. 135/- Rs. 10,001/- up to Rs. 250,000/- N/A Phone/Mobile/Internet Banking Digital Banking Rs. 0/- subscription (one- time & annual)

US$ 7/- per Normal Rs. 0/- Rs. 0/- US$ 7/- per transaction transaction plus plus courier Clearing Intercity Rs. 300/- per transaction courier charges Rs. 300/- per transaction charges (For other currencies (For other charges will be apply as currencies charges per SOC) Same Day Rs. 500/- per instrument Rs. 500/- per instrument will be apply as per SOC) Closure of Customer request Rs. 150/- Rs. 0/- Rs. 150/- Rs. 0/- Rs. 150/- Rs. 0/- Rs. 150/- Rs. 0/- Rs. 150/- Account

Page 2 of 3 You Must Know Requirements to open an account: To open the account you will need to satisfy some identification Unclaimed Deposits: In terms of Section 31 of Banking Companies Ordinance, 1962, all deposits which have not requirements as per the regulatory instructions and Bank’s internal policies. These may include providing been operated during the period of last ten years, except deposits in the name of a minor or a Government or a documents and information to verify your identity. Such information may be required on a periodic basis. court of law, are surrendered to State Bank of (SBP) by the relevant banks, after meeting the conditions as Please ask us for more details. per provisions of law. The surrendered deposits can be claimed through the respective banks. For further Cheque Bounce: Dishonouring of cheques is subject to a criminal trial in Pakistan, as per section 489-F Pakistan information, please contact your parent branch. Penal Code. Accordingly, you should be writing cheques with utmost prudence. Closing this account: In order to close your account submit a signed request for closure with unused cheque book Safe Custody: Safe custody of access tools to your account like Debit cards, PINs, Cheques, e-banking leaves and debit card (if any) at your parent branch. usernames, passwords; other personal information, etc. is your responsibility. Bank cannot be held How can you get assistance or make a complaint? responsible in case of a security lapse at the customer’s end. Soneri Bank does not initiate calls to acquire any Contact Information: Soneri Bank Limited. Complaint Management Unit, Customer Experience Department, 1st information. Floor, Al-Rahim Tower, I.I. Chundrigar Road, . Record Updation: Always keep profiles/records updated with the bank to avoid missing any significant Tel: 021 111-567-890 Ext: 2962 & 2548 communication. You can contact parent branch to update your information. Helpline: 021-111- SONERI (766374) What happens if you do not use this account for a long period? If your account remains inoperative for 12 Email: [email protected] months, it will be treated as dormant. If your account becomes dormant debit transaction will be blocked Website: www.soneribank.com however, credit transactions are allowed. To reactivate your account, you must Submit Standard Dormant If you are not satisfied with our response, you may contact: Account Reactivation Request duly signed /authneticated. If a pensioner/family pension fails to undergo Karachi Secretariat. Banking Mohtasib Pakistan Secretariat, 5th Floor, Shaheen Complex, M. R. Kiyani Road, Karachi. biometric verification or fails to submit a life certificate after every six months or a pensioner does not Telephone: +9221 - 99217334 draw a pension for consecutive six months or widow/sister/daughter fails to submit non marriage Facsimile: +9221 - 99217375 certificate yearly, the account shall become dormant. Email: [email protected]

I ACKNOWLEDGE RECEIVING AND UNDERSTANDING THIS KEY FACT STATEMENT

Customer’s Name: Date:

Product Chosen:

Mandate of Account:

Address

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

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