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KFS Savings Deposit Accounts Silkbank (A4).FH11 Key Fact Statement for Deposit Accounts Date Silkbank Limited, ___- ___-____ IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for comparison. Branch, City Account Types & Salient Features: This information is accurate as of the date above. Services, fees and mark-up rates may change on a bi-annual basis. For updated fees/charges, you may visit our website or visit our branches. Conventional (Savings Account) Conventional (Term Deposit) Particulars Munafa PLS Pensioner Foreign Currency Flexi Flexi Flexi Salana Mahana Super Rupee Term Deposit Foreign Currency Term Deposit Rozana Savings Saver Account Account Advance Mahana Salana Munafa Munafa Currency PKR PKR PKR PKR USD, GBP, EUR PKR PKR PKR PKR PKR PKR USD, GBP, EUR Minimum Rs. Rs. Rs. Rs. Rs. Rs. Rs. To open Rs. 2,500/- Rs. 2,500/- Rs. 2,500/- Zero Rs. 2,500/- Balance for 100,000/- 100,000/- 100,000/- 100,000/- 100,000/- 100,000/- 100,000/- Account USD = 5,000 Rs. Rs. To keep Zero Zero GBP = 3,000 Zero Zero Zero Zero Zero Zero Zero 50,000/- 50,000/- EUR = 3,000 Account Rs. 43/- Zero Rs. 43/- Zero 1 USD/GBP/EUR Zero Zero Zero Zero Zero Zero Zero Maintenance Fee Is profit paid on account subject to the applicable tax rate Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes Conventional (Savings Account) Conventional (Term Deposit) Particulars Munafa PLS Super Pensioner Foreign Currency Flexi Flexi Flexi Salana Munafa Mahana Munafa Rupee Term Deposit Foreign Currency Term Deposit Rozana Savings Saver Account Account Advance Mahana Salana GBP Tiers Rate Tiers Rate Tiers 1-3 4-6 7-11 Months USD EUR Months Months Months Below Below Below 1 Month 6.25% 6.00% 5.25% 5.50% 5.75% 0.25% 0.25% 0.25% Up to Rs. Rs. 999,999/- Rs. 999,999/- Rs. 999,999/- 100,000,000 Rs. Rs. Rs. 1,000,000 to 6.50% 1,000,000 to 6.25% 1,000,000 to 5.50% 5.75% 6.00% 3 Months 0.50% 0.50% 0.50% Indicative = 5.50% Rs. Rs. Rs. Profit Rate (%) 9,999,999 9,999,999 9,999,999 Rs. 5.50% 5.50% 5.50% 0.25% 7.00% 7.25% 7.50% Rs. 10,000,000 to Rs. 10,000,000 to Rs. 10,000,000 to 100,000,001 and above: 6.75% 6.50% 6.00% 6.15% 6.25% To be Rs. 29,999,999 Rs. 29,999,999 Rs. 29,999,999 obtained from Rs. 30,000,000 to Rs. 30,000,000 to Rs. 30,000,000 to Business Segments 7.00% 6.75% 6.25% 6.35% 6.50% 6 Months 0.50% 0.50% 0.50% Rs. 49,999,999 Rs. 49,999,999 Rs. 49,999,999 100,000,001 : To be obtained To be obtained To be obtained Rs. 50,000,000/- from Business Rs. 50,000,000/- from Business Rs. 50,000,000/- from Business and above Segments and above Segments and above Segments Profit Payment Advance Frequency Daily Bi-annually Monthly Bi-annually Bi-annually Monthly Maturity Maturity Monthly Maturity 1 Month 3 Months 6 Months 1-3 months 4-6 months 7-11 months Provide example: Rs. Rs. Rs. Rs. Rs. Rs. Rs. Rs. Rs. Rs. Rs. Rs. Rs. Rs. 15.07/- 2,727.40/- 5,500/- 2,727.40/- 123.97/- 7000/- 615.75/- 7,500/- 6,500/- 530.82/- Rs. Rs. 21/- 62/- 124/- 1,356/- 2,851/- 5,490/- Profit payment on premature encashment will be made at lower PLS Premature / Profit payment on premature encashment will be made at lower PLS Savings Profit payment on premature encashment Early Encashment / Savings Profit Rate at the time of booking or encashment for number of Profit Rate at the time of booking or encashment for number of days deposit will be made at lower PLS Savings Profit Withdrawal Fee days deposit was booked. For Flexi Advance, on premature encashment was booked. Rate at the time of booking or taxes will still be deducted for the initial profit amount. encashment for number of days deposit was booked. Service Charges IMPORTANT: This is a list of the main service charges for this account. It does not include all charges. You can find the full list at our branches and on our website www.silkbank.com.pk. Please note that all bank charges are exclusive of applicable taxes. Conventional (Savings Account) Conventional (Term Deposit) Services Modes Munafa PLS Super Pensioner Foreign Currency Flexi Flexi Flexi Salana Munafa Mahana Munafa Rupee Term Deposit Foreign Currency Term Deposit Rozana Savings Saver Account Account Advance Mahana Salana 0.10% Intercity Zero Zero Zero or Rs. 175/- (whichever is higher) Intracity Zero Zero Zero Zero Cash Transaction Own ATM withdrawal Zero Zero Zero Zero Other bank's ATM Rs. Rs. Rs. Rs. 18.75/- 18.75/- 18.75/- 18.75/- ADC/ Digital Zero Zero Zero Zero Rs. Rs. Rs. Rs. SMS Clearing Alerts 100/- 100/- 100/- 100/- per month per month per month per month For other transactions Rs. Rs. Rs. Rs. 100/- 100/- 100/- 100/- per month per month per month per month Conventional (Savings Account) Conventional (Term Deposit) Services Modes Munafa PLS Super Pensioner Foreign Currency Flexi Flexi Flexi Salana Munafa Mahana Munafa Rupee Term Deposit Foreign Currency Term Deposit Rozana Savings Saver Account Account Advance Mahana Salana EMV Classic Rs. Rs. Rs. Rs. 1,300/- 1,300/- 1,300/- 1,300/- EMV Gold Rs. Rs. Rs. Rs. Debit 2,000/- 2,000/- 2,000/- 2,000/- Cards EMV Platinum Rs. Rs. Rs. Rs. 3,000/- 3,000/- 3,000/- 3,000/- EMV PayPak Rs. Rs. Rs. Rs. 1,000/- 1,000/- 1,000/- 1,000/- Free First Free First Cheque Book Cheque Book of 10 leaves. of 10 leaves. Subsequent Subsequent Rs. Rs. Rs. 25-leaf Cheque 25-leaf Cheque Book @ Rs. 25/- Book @ Rs. 25/- Issuance 15/- 15/- 15/- per leaf per leaf per leaf Cheque Book Stop Rs. Rs. Rs. Rs. Rs. payment 500/- 500/- 500/- 500/- 500/- per customer per customer per customer per customer per customer Rs. Rs. Rs. Rs. 300/- 300/- 300/- 300/- Loose subsequent subsequent subsequent subsequent cheque loose cheque loose cheque loose cheque loose cheque 500/- 500/- 500/- 500/- Rs. Rs. Rs. Rs. Conventional (Savings Account) Conventional (Term Deposit) Services Modes Munafa PLS Super Pensioner Foreign Currency Flexi Flexi Flexi Salana Munafa Mahana Munafa Rupee Term Deposit Foreign Currency Term Deposit Rozana Savings Saver Account Account Advance Mahana Salana Banker Rs. Rs. Rs. Up to Remittance Cheque 300/- 300/- 300/- Rs. 500,000/-: (Local) / Pay Rs. 300/- Order per per per instrument instrument instrument Rs. 500,000/- and above: Rs. 500/- USD USD USD USD Foreign 3 DD / 3 TT Demand in a month Remittance (Foreign) 20 20 20 20 Wire Transfer USD 24 USD 24 USD 24 USD 24 USD 24 plus SWIFT plus SWIFT plus SWIFT plus SWIFT plus SWIFT charges charges charges charges charges Annual Zero Zero Zero Zero Zero Statement of Half Account Yearly Zero Zero Zero Zero Zero Rs. Rs. Rs. Rs. Rs. Duplicate 35/- 35/- 35/- 35/- 35/- per statement per statement per statement per statement per statement ADC/ Digital Channels Zero Zero Zero Zero Fund Transfer Others Zero Zero Zero Zero Conventional (Savings Account) Conventional (Term Deposit) Services Modes Munafa PLS Super Pensioner Foreign Currency Flexi Flexi Flexi Salana Munafa Mahana Munafa Rupee Term Deposit Foreign Currency Term Deposit Rozana Savings Saver Account Account Advance Mahana Salana Internet Banking subscr- iption Zero Zero Zero Zero (one-time & annual) Digital Banking Mobile Banking subscr iption Zero Zero Zero Zero (one-time & annual) Normal Zero Zero Zero Zero Clearing Intercity Zero Zero Zero Zero Zero Rs. Rs. Rs. Rs. Same Day 550/- 550/- 550/- 550/- per per per per instrument instrument instrument instrument Closure of Customer Account request Zero Zero Zero Zero Zero Zero Zero Zero Zero Zero Zero Zero You Must Know Requirements to open an account: To open an account you will need to fulfill some identification requirements as per regulatory Unclaimed Deposits: In terms of Section 31 of Banking Companies Ordinance, 1962, all deposits which have not been instructions and bank's internal policies. These may include providing documents and information to verify your identity. Such operated during the period of last ten years, except deposits in the name of a minor or a Government or a court of law, are information may be required on a periodic basis. Please ask us for more details. surrendered to State Bank of Pakistan (SBP) by the relevant banks, after meeting the conditions as per provisions of law. The surrendered deposits can be claimed through the respective banks. For further information, please contact our call center Cheque Bounce: Dishonoring of cheques is subject to a criminal trial in Pakistan under section 489-F of Pakistan Penal Code, at (021) 111-100-777. 1860. Accordingly, you should be writing cheques with utmost prudence. Closing this account: In order to close your account, please contact our call center at (021) 111-100-777. Safe Custody: Safe custody of access tools to your account like ATM cards, PINs, cheques, e-banking usernames, passwords, other personal information, etc. is your responsibility. Bank cannot be held responsible in case of a security lapse at the customers How can you get assistance or make a complaint? end.
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