Strecker) Issuance Fee (Borrowers): 8. 150 per card Issuance Fee (Non- Borrowers) : 85 300 per card Annual Fee (Borrower & Norrborrowe) : Rs. 150 per card Replacement Fee (Borrower & Nor-borrower) : Rs. 150 per card Balance Inquiry at UBL ATM : Free Balance Inquiry at 1-Link/MINET ATM : RS. 5 Cash Withdrawal at UBL ATM : Fee Cash Withdrawal at 1-Link/MINET ATM: Rs. 15 Interbank Funds Transfer (IBFT) at ATM : Rs. 100 per tansaction (Free for KBL to KSL and KAI to UBL transfers) Usiity il Payment at ATM :Rs.5 Cash Deposit at OMNI Dukaan : 1.3% ofthe transaction amount Cash Withdrawal at Omni Dukaan : Upto 2% ofthe transaction amount ‘Account ID Card Revssuance : Free Duplicate Statement Charges : 85.35 per Statement Standing Instructions : Rs. 100 per Instruction Issuance of Balance Certificate ‘+ Rs 50 per Certificate (at Parent Branch) ‘© 85.100 per Cericate (at Remote Branch) Early Encashment of Term Deposit Certificate : No penalty however reduced rate of relum ofthe last completed tenure or 6% {in case slab not appicable) will be applied ‘Account Reactivation Charges on Dormant : Ni Collateral Liquidation Charges : NL Copy of : Paid cheque (less than 6 months) : Ni Paid cheque (up to 1 year): Ni Paid cheque (1 to 5 years): Ni Mailing charges (Postage, courier, fax): Ni Confirmation of balance to 3rd Party (Auditor): NI Important Notes! 8 All taxes / excse dues / withholding tax / zakat etc leved by the overed fforn the customer in adsvon to the charges epost Accounts belongng to Students, Mustahioeen of Zakat, Employees of Goverment / Sami Government insitutions for slay and pension incucing en of deceased employees elle ‘or ‘ari penson/ beneovoent funds grant ec. are exempted from the uy All samp duty charges asodated with individual ban agreements) tobe borne bythe customs “The Bank management reseres the righ to waive any or allcharges, Schedule of FE Tal a @lal-lae [14 TE ee VEO! FON aos me WTC khushhalibanklimited Omaen Khushhali Qarza (Unsecured Group Lending) * Interest Rate (Bullet Loan): 31% Annualized Percentage Rate (APR) Interest Rate (EMI Loan: 31% APR Processing Fee (Fresh & Repeat Loan) Loan less than or equal to Rs 30,000/-: Rs 800)- per application ‘+_Loan greater than Rs 30,000/-: Rs 1000/- per application Khushhali Cash Sahulat Secured Individual Lending) ‘© Interest Rate - Loan (Against Gold) : 28% APR ‘+ Interest Rate - Loan (Against National Savings Certificates, KBL Term Deposit Certificates): 15% APR ‘Interest Rate - Loan (Against Agricultural Land): 25% APR Processing Fee-For all Secured Individual Lending ‘© Loan up to Rs 49,999/- : Rs 1,000- per application ‘* Loan equal to or greater than Rs 50,000/- but less than or equal to Rs 99,999/- : 8s 1,500/- per application Loan equal to or greater than Rs 100,000/- : Rs 2,000- per application Sarsabz Karobar (Value Chain Financing) © Interest Rate :25% APR ‘* Processing Fee -Loan less than or equal to Rs 30,000/-: Rs 800 per applicaton ‘Processing Fee -Loan greater than Rs 30,000/-: Rs 1000 per applicaton Shandar Rozgar (Micro-Small and Medium Enterprise Lending) : * Interest Rate- (Against Gold) : 25% APR ‘+ Interest Rate- (Against Land) : 25% APR * Interest Rate- (Against National Savings Certificates, KBL Term Deposit Certificates): 15% APR ‘© Processing Fee for Shandar Rozgar (MSME) : 1.5% of the approved loan amount Gold Valuation Charges (To be paid to goldsmith directly by the customer) : Up to Rs.500 ‘Late Payment Penalty : Ni ‘© Early Settlement Charges (Only for Khushhali Cash Sahulat) (if Loan Settlement made 60 Days before Due Date :®s.200 ‘+ ECIB Report Verification Penalty Charges : Ni Pere) ‘Account Opening Charges: Ni ‘Charges for CNIC verification from NADRA.: Ni ‘Account Closing Charges : Rs.100 Cheque Book Issuance Rs. 5 per leat Stop Payment Charges Cheque / Pay Order / Demand Draft : 8s, 100 per instrument Cheque Book / Series : Rs. 250 per instruction Fall-below Fee (For not ining monthly minimum balance): Rs.40 per month Local Gearing :Rs.15 per Instrument ‘Outward Bill or Collection (OBC) :Rs.100 per Instrument or Other Bank Charges (whichever is higher) Cheque Return Charges © Outward Clearing ‘© Inward Clearing © At counter: Nil ‘¢ OBC: 5.300 per instrument 5-100 per Instrument 250 per instrument Issuance of Payment Order © Upto Rs.100,000 : 5.50 per Instrument issuance of Demand Draft © Upto Rs, 100,000 : s.100 per instrument '¢ Over Rs. 100,000 :Rs.200 per Instrument issuance of Bankers Cheque + Through Account: Rs 100 per hstrument ‘Against Cash- nstrument Up to Rs 100,000/-: 55250 per nsrument ‘Against Cash- Instrument Above Rs 100,000/-: 55500 per nstrument issuance of Call Deposit Receipt (CDR) : Rs. 200 per Instrument Cancellation of Payment Order/Demand Draft : 5.100 per instrument Issuance of Duplicate Pay Order/Demand Draft : 5.100 per instrument Revalidation of Demand Draft/Pay Order :Rs.100 per Instrument Cink Online Tansactions (at remote branch) Up to Rs 25k (Includes ‘cash withdrawals, deposits, and a/c to afc transfers) : Free Cash Withdrawal (Over Rs 25k) : 0.05% ofthe transaction amount or Rs.50 (whichever i higher) Cash Deposit : Free Account to Account Fund Transfer (Over Rs 25k) :0.025% of the transaction amount or RS.25 (whichever is higher)