SONERI BANK LTD.

Compliance Status

Name & Address

Soneri Bank Limited Central office Karachi, 5th floor, Al Rahim Tower, I.I. Chundigar Road, Karachi, Pakistan

Legal Form

Public Limited Company. Listed on Karachi, Lahore & Islamabad Stock Exchange in Pakistan

Name of External Auditors

KPMG Taseer Hadi & Co. Chartered Accountants - Pakistan

Name of Regulatory Body

State Bank of Pakistan

Main Banking

Commercial, SME, Consumer, Corporate, Correspondent, Investment & Islamic Banking

Pattern of Share Holding

Refer our Annual Accounts as of December 31, 2011 Description Shareholding Percentage 1.3321

Directors, CEO and their spouse and minor 12,027,971 children Associated Companies, undertaking & related parties Trustees Alauddin Feerasta Trust Trustees Feerasta Senior Trust Trustees Alu Trust Executives NIT and ICP Banks, DFI & NBFI Insurance Companies Madarabas & Mutual Funds Joint Stock Companies Foreign Companies General Public (Local) General Public (Foreign) Others Total Chairman Mr. Alauddin Feerasta 199,678,993 196,684,455 98,387,756 290,991 161,196,787 22,253,163 13,633,405 24,701,015 5,617,027 40,541,354 111,805,503 15,990,639 190,436 902,918,495

22.1148 21.7832 10.8966 0.0233 17.8529 2.4646 1.5099 2.7357 0.6221 4.4900 12.3827 1.7710 0.0211 100.00

President & CEO

Mr. Mohammad Aftab Manzoor

Banking License

BL-6, February 17, 1992

Certificate of Registration

L 04037, September 28, 1991

Compliance Status

Compliant with CDD & AML Regulations prescribe by State Bank of Pakistan and AML Act 2010

SONERI BANK LTD.

Introduction
Soneri Bank Limited was formally incorporated on September 28, 1991. The first Branch commenced operations in Lahore on April 16, 1992, followed by the launch of Karachi's first Branch on May 09, 1992. The bank currently operates 216 branches, spread all over Pakistan including the Northern Areas of the country. The banks expansion policy is based on the principle of maintaining a balance between the urban and rural areas. We take great pride in offering services even in the remote areas of Pakistan. Our fully airconditioned and computerized branches provide a pleasant, convenient and hassle free banking experience every time. The essence of our business philosophy is to cater to the banking requirements of small & medium sized entrepreneurs, effectively providing them qualitative & competitive services with emphasis on encouraging exports. Nearly forty percent of our credit portfolio is related to export financing and credit decisions are taken within 48 hours.

Branch Networking

Karachi Branches

Lahore Brannches

Branch Network (Soneri Bank)

IslamAbad Branches

Pashawar & Other Branches

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Cities vies Structure

Main Branch Peshawa Chowk Yadgar Branch Islamic Banking Khyber Bazar Branch

Karachi Branches

35 more
branches in Karachi

Lahore Branches

Main Branch Garden Branch Federal B. Area Branch Karachi Clifton Branch Karachi North Karachi Gulbahar Branch Korangi Industrial Area Branch Aga Khan University Branch Haidery Branch Jodia Bazar Branch Shahrah-eFaisal Branch Defence Housing Authority Branch Gulshan-eIqbal Branch Gole Market Branch S.I.T.E Branch Zamzama Branch Gulistan-eJohar Branch Block 7, Gulshan-eIqbal Islamic Banking ( Cloth Market) Branch

Main Branch Lahore Defence Branch Gulberg Branch Circular Road Branch Model Town Branch Akbar Chowk Branch Cavalary Ground Branch Qartaba Chowk Branch Allama Iqbal Town Branch Baghbanpu ra Branch Thokar Niaz Baig Branch Ghazi Chowk (NESPAK) Branch Garden Town Branch DHA Phase III Branch Chungi Amer Sadhu Branch Johar Town Branch Wahdat Road Branch

IslamAbad Branches

Main Branch Islamabad G-9, Markaz Branch Islamabad Islamic Banking I10 Markaz Branch I - 9 Markaz Branch E - 11 Branch Lathrar Road Branch DHA Phase-II Extn. Branch Soan Garden Branch Lohi Bheer Distt. Islamabad Islamic Banking F8 Markaz Branch Islamabad

7
Branche s in Pindi

Pashawar Branches

Main Branch Hyderabad Latifabad Branch Hyderabad Islamic Banking Isra University Branch Hyderabad Prince Ali Road Branch Hyderabad Fatimah Jinnah SITE Branch Hyderabad Faqir Jo Pir Branch Hyderabad Main Branch Multan Shah Rukhe-Alam Branch Mian Channu Branch almost

Other Branches

50
branches in other cities

16
more branche s

SONERI BANK LTD.

Organizational Structure
Top Level Management

Chairman Mr. Alauddin Feerasta

President & CEO Mr. Mohammad Aftab Manzoor

Director Mr.Noor Uddin Feerasta

Director Mr. Imam Elahi

Director Mr.S.Ali Zafar

Director Mr.Abdul Hai

Middle Level Management

Directors

SEVP

AVP

Auditors

EVP

VP

Secratery

Grade 2

Grade 3

SONERI BANK LTD.

Departments Structure

Account Dept.

Cash Dept.

Remitance Dept.

Agriculture Dept.

CreditnDept.

Islamic Banking Dept.

Foriegn Trade Dept. Import & EXport Dept.

Products & services In Accordince With Departments Saving Accounts

1) PLS saving A/C
PLS Savings Bank Account is a simple, straight forward Savings Bank Account with a great convenience for individuals (in single or joint names) minors (to be operated by the guardian) charitable institutions, provident fund and other funds of benevolent nature local bodies, autonomous corporations, limited companies, firms associations, educational institutions, etc. The account may be opened with any amount; however accounts with average monthly balance below Rs.5000- on any day shall be subject to Service Charges as per our Schedule of Charges in force He PLS Savings Account entitle Account Holder to avail amazing facilities such as: Chequing Account facility with no limit on a number of transactions Free Cash Deposit and Withdrawal facilities through your bank branch Free Clearing facility to deposit cheques of other banks within the city Online Funds Transfer through Cheques to any account across Pakistan through your bank branch Online Cash Deposit, Withdrawal and Funds Transfer through cheques from any of our branch across Pakistan

SONERI BANK LTD.

Remittance facilities such as Payment Orders, Demand Draft, Telegraphic Transfers and Free Rupee Travelers Cheque through your bank branch Standing Orders facilities Safe Deposit Locker at designated branches Statement of Account on six monthly basis Usage of Electronic Banking through: ATMs across Pakistan owned by Soneri Bank and other banks Shopping/purchasing/payments through outlets displaying ORIX sign Free Online Cash Withdrawal facility upto Rs. 300,000/- from designated branches without Cheque Book Rate of Return 5.00% p.a. Regular Chequing Account. Profit paid bi-annually.

2) Soneri saving A/C

Soneri Savings Account is a flexible and fast growing cumulative profit account with a great convenience for individuals (in single or joint names), minors (to be operated by the guardian), charitable institutions, provident fund and other funds of benevolent nature local bodies, autonomous corporations, limited companies, firms associations, educational institutions etc. The rate of Profit in this savings scheme increases as your balance increases without demanding and negotiating with us. The account may be opened with any amount.
o o o o

Soneri Savings Bank Account entitles Account Holder to avail amazing facilities such as: Chequing Account facility with no limit on a number of transactions Free Cash Deposit and Withdrawal facilities through your bank branch Free Clearing facility to deposit cheques of other banks within the city Online Funds Transfer through Cheques to any account across Pakistan through your bank branch Online Cash Deposit, Withdrawal and Funds Transfer through cheques from any of our branch across Pakistan Remittance facilities such as Payment Orders, Demand Draft, Telegraphic Transfers and Free Rupee Travelers Cheque through your bank branch Standing Orders facilities Safe Deposit Locker at designated branches Statement of Account on six monthly basis Usage of Electronic Banking through ATMs across Pakistan owned by Soneri Bank and other banks Shopping/purchasing/payments through outlets displaying ORIX sign Free Online Cash Withdrawal facility upto Rs. 300,000/- from designated branches without Cheque Book Free 24-hours Telephone Banking and Call Centre facility SHARING PROFIT/LOSS: No minimum balance is required to qualify for profit Provisional rates are announced on a six monthly basis however profit/loss earned/incurred on Soneri Savings Accounts are determined by the Bank at its sole discretion on the basis of its net working result at the end of each half-year/ year Calculation of products on Soneri Savings Accounts is computed on daily product basis

SONERI BANK LTD.

Profit on Soneri Savings Accounts is credited on a monthly basis on the provisional rate of Profit

Term Deposites
1) Term Deposites A/C
Term deposit is offered by Soneri Bank to Individuals (in single or joint names), Minors (to be operated by the guardian), Charitable Institutions, Provident Fund and other funds of benevolent nature local bodies, Autonomous Corporations, Limited Companies, Firms, Associations, Educational Institutions etc who have the intention of retaining their savings for a fixed period thereby earning a higher rate of profit. The Term Deposit allows you to save a fixed amount in Pak Rupee for a set period ranging from 1 month to 60 months at a provisional and attractive profit rate. The depositor has the option to reinvest the deposit automatically with or without profit.

Provisional rates are announced on a six monthly basis however profit/loss earned/incurred on Term Deposits are determined by the Bank at its sole discretion on the basis of its net working result at the end of each half-year/ year Calculation of products on Term Deposit is computed on a daily product basis NNUALISED RATES OF EXPECTED PROFIT FOR DIFFERENT TYPES OF PLS DEPOSITS. Effective: 1-November-2011 Period: July- December-2011
Term Deposits (11/11 Scheme) Minimum Deposite Rs 25,000/= Deposits Held as on 01-11-2011 Onwards. Tenor 1 Month 3 month 6 month 1 year 2 years 3 years Monthly Intervals 8.00% 8.44 % 8.84 % 10.25 % 9.98 % 9.73 % Quarterly Intervals ----8.90 % 10.34 % 10.07 % 9.81 % Six Monthly Intervals -------10.48 % 10.19 % 9.93 % Yearly Intervals At Maturity --------10.45 % 10.18 % 8.00% 8.50 % 9.00 % 10.75 % 11.00 % 11.25 %

2) Soneri Premium Deposites

Soneri Premium Deposit is offered by Soneri Bank to individuals (in single or joint names), Minors (to be operated by the guardian), Charitable Institutions, Provident Fund and other funds of benevolent nature, local bodies, Autonomous Corporations, Limited Companies, Firms, associations, Educational Institutions, Clubs etc. who have the intention of retaining their savings for a fixed period of 12 months thereby earning a most lucrative rate of return thereon. The depositors have the option to reinvest the deposit automatically with or without profit. Minimum Deposit Amount: Rs.25, 000-

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Annualized rate of Return (Provisional): 12.00% p.a. (Discontinued for fresh Deposits Effective: 1-July-2011) Profit Payment Frequency: Annually at maturity of Deposit Automatic Renewals: Upon maturity, your deposit is automatically renewed for further 12 months at Provisional Profit rates prevailing on such renewals unless you instruct otherwise. Pre-matured Encashment: In the event of pre-mature encashment of the deposit any of the following options are available for profit payment thereon: 1. Our declared Profit Rates for our Term Deposits for tenor similar to the period Soneri Premium Deposit being pre-mature en-cashed remained with the Bank. 2. Profit payment at the Provisional Profit Rate prevailing on the date of acceptance of Deposit (agreed Profit Rate) subject To recovery of Surcharge @ 1% on the amount being en-cashed for re-investment in our other Term Deposit Schemes OR Surcharge @2% on amount being en-cashed and NOT re-invested in our other Term Deposit Schemes. Financing Facility: You may use your Soneri Premium Deposit as collateral to apply for financing facility from the Bank. Govt. Withholding Tax apply on all cash withdrawals over Rs.25, 000- and profit credited into account. Zakat on deposit is recoverable however Zakat exemption Forms are accepted. Provisional Profit Rates are announced on a six monthly basis however profit/loss earned/ incurred on Soneri Premium Deposit are determined by the Bank at its sole discretion on the basis of its net working result at the end of each half year/year. Calculation of profit on Soneri Premium Deposit is computed on a daily product basis.

3) Diamond Deposites Certificates

Soneri Diamond Deposit Certificates provide investment opportunities to small and medium income group investors, Charitable / Benevolent Funds, Trusts, Societies, Associations and Clubs with an attractive return.

fCertificates are issued for fixed periods of 1, 2 and 3 years. Annualized Rates of expected Profit: from 10.50 % p.a. to 10.75 % p.a. Profit paid at monthly intervals calculated from date of deposit. Minimum Investment Rs. 25,000/Financing facility upto 90 % of Deposit available. ANNUALISED RATES OF EXPECTED PROFIT FOR DIFFERENT TYPES OF PLS DEPOSITS. Effective: 1-November-2011 Period: July- December, 2011 Diamond Deposit Certificates (On Fresh Deposits accepted on or after November 1, 2011).
Term 1 Year 2 Years %age 10.50% p.a. 10.60% p.a.

3 Years

10.75% p.a.

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\

Current A/C
Current is a non profit account, flexible account with a great convenience for individuals (in single or joint names), minors (to be operated by the guardian), charitable institutions, autonomous corporations, limited companies, firms, associations, educational institutions, etc. Current account may be opened with any amount; however accounts with average monthly balance below Rs.10, 000- on any day shall be subject to Service Charges as per our Schedule of Charges in force

Current Account entitles account holder to avail amazing facilities such as: Chequing Account facility with no limit on a number of transactions Free Cash Deposit and Withdrawal facilities through your bank branch Free Clearing facility to deposit cheques of other banks within the city Online Funds Transfer through Cheques to any account across Pakistan through your bank branch Online Cash Deposit, Withdrawal and Funds Transfer through cheques from any of our branch across Pakistan Remittance facilities such as Payment Orders, Demand Draft, Telegraphic Transfers Rupee Travelers Cheque through your bank branch Import, Export and other business transactions Standing Orders facilities Safe Deposit Locker at designated branches Statement of Account on six monthly basis Usage of Electronic Banking through: o ATMs across Pakistan owned by Soneri Bank and other banks o Shopping/purchasing/payments through outlets displaying ORIX sign o Free Online Cash Withdrawal facility upto Rs. 300,000/- from designated branches without Cheque Book o Free 24-hours Telephone Banking and Call Centre facility

Basic Banking A/C

Soneri Bank Limited introduces Basic Banking Account Scheme with effect from July 01, 2006. Salient feature of the Scheme are:

Basic Banking Accounts may be opened in the Pak Rupees by individuals including minors under guardianship. The accounts may be opened by initial deposit of any amount. No minimum balance requirement is applicable. Basic Banking Account is non-profit bearing account. 4 withdrawals from a Basic Banking Account through cheques in one calander month are free of service charges. Additional withdrawals through cheques in a calander of month shall be subject to service charge @ Rs. 25/- per additional cheque. Soneri Banking Cards for the use of Bank's Electronic Banking Service are issued without charges for one time issuance of the cards.

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unrestricted number of withdrawals from the account through ATMs are permissible subject to applicable per day withdrawal limit for amounts in force. Cash withdrawals from Soneri Bank's ATMs are free of Service Charge. Use of another bank's ATMs shall be subject to Service Charges applicable.

Ikhtiar A/C
Ikhtiar current is a non profit account, flexible account with a great convenience and Multiple FREE Services for individuals (in single or joint names), minors (to be operated by the guardian), charitable institutions, autonomous corporations, limited companies, firms, associations, educational institutions, etc. Ikhtiar current account may be opened with minimum amount of Rs. 50,000/-. To avail free facilities maintenance of balance on or above Rs. 50,000/- is mandatory.counentitles account holder to avail amazing facilities such as: Chequing Account facility with no limit on a number of transactions Free Cash Deposit and Withdrawal facilities through any bank branch Free Clearing facility to deposit cheques of other banks within the city Free issuance of Pay orders Online Funds Transfer through Cheques to any account across Pakistan through your bank branch Online Cash Deposit, Withdrawal and Funds Transfer through cheques from any of our branch across Pakistan Remittance facilities such as Payment Orders, Demand Draft, Telegraphic Transfers Rupee Travelers Cheque through your bank branch Import, Export and other business transactions Standing Orders facilities Safe Deposit Locker at designated branches Statement of Account on six monthly basis Usage of Electronic Banking through: o ATMs across Pakistan owned by Soneri Bank and other local banks o ATMs internationally displaying VISA or plus logo o Shopping/purchasing/payments through outlets displaying VISA sign o Free Online Cash Withdrawal facility upto Rs. 300,000/- from designated branches without Cheque Book o Free 24-hours Telephone Banking and Call Centre facility
o

Other Services
Online Banking
On-Line Banking Services are available for all chequing account holder of our Soneri all branches. Services Cash Payments of cheques drawn on any of our all branches. Cash Deposits in to customers account maintained at any of our all branches. Government Taxes/Duties Cash Cheques or Cheques Applicable Government Taxes/duties Under Collection if payable recoverable as per rules to third parties

SONERI BANK LTD.

Per day Cash Withdrawals limit is restricted to Rs. 200,000. Cash Cheques tendered by other than the account holders in person are subject to levy of Govt. Taxes as per rules. Cash Deposits Deposits made by third parties into accounts of customers maintained at all branches are subject to recovery of applicable with-holding tax, as per rules from the depositors.

SMS Alert
Soneri Bank Limited now introduces to its ATM/ VISA Debit Card holders SMS Alert Service, the best feature for warning about fraudulent transactions conducted against Cards. Now you shall receive SMS Alerts on your mobile number registered with the bank of all purchase transactions immediately after it has been made. Remember, an early intimation can save you a lot of trouble later, and also protect your hard-earned money. It is very easy to sign up for our SMS Alert Service. Just fill the form available in our all Branches or call us at the following numbers for your SMS Alert Activation: 111-SONERI (766-374) 0800-00500

SME Financing
Soneri Bank Limited, arguably at the forefront of commercial excellence, has strengthened its product profile by introducing the following cost effective innovative tailor made small and medium enterprises (SMEs) financing options on flexible terms to its most discerning customers need. The Market segment for this business is primarily SMEs and the bank stands committed to contribute in the process of national development with an explicit focus in providing quality finance solutions.

SONERI SARMAYA SCHEME SONERI AASAN SCHEME SONERI TEJARAT SCHEME

Agriculture Financing
Following agriculture finance facilities are provided by Soneri Bank Limited at its selected branches Production Loans Production loans are offered to meet the input and other working capital requirements for farming, orchards and nursery, tunnel farming, storage of raw material, transportation marketing grading and packing etc., by farmers. Note: Financing facilities for all other purposes as detailed in SBPs list of eligible items for Agricultural Credit are also available.

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Devolpement Loans
Development loans are offered for the purchase of tractors, trolley, thrashers, ploughs, cultivators, laser levellers, combine harvesters, processing machinery, transport for delivery of dairy, poultry, fisheries. Installation of tube-wells, turbine, land levelling, soil improvement, land reclamation, seed processing units and for godowns, silos and cold storages.
Mark-up Rate

All Type of Agriculture Loans upto Rs. 100,000/Production Loan under Revolving Credit Scheme Working Capital for Live Stock i.e.(Dairy, Fisheries and Poultry etc) Development Loan (All kinds)

6M Kibor + 2% 6M Kibor + 3% 6M Kibor +3.5% 6M Kibor + 4%

Electronic Banking
1) ATM/ Debit Visa Card
SONERI VISA Debit Card brings to you the ultimate facility of spending and making payments. You are privileged to avail the unmatched opportunities and benefits of the VISA CLASSIC Card andVISAGOLD Card. With the Buy Now Pay Now facility, you pay directly from your bank account. Use your SONERI VISA Debit Card wherever you are and whenever you want. Safer than Carrying Cash Pay dining, shopping, traveling, hotel and other bills at over 24 million outlets displaying VISAsign locally and internationally Worldwide cash withdrawal facility at over 1 million ATMs displaying the sign Ease of Cash withdrawal on 1 LINK and ATM networks across Pakistan Credit facility available for GOLD Card Holders Accessibility of multiple accounts from a single card

Soneri VISA Gold & Classic Debit Card SCHEDULE OF CHARGES

VISA GOLD Debit Card Description Joining Fee Annual Charges Supplementry Card Charges Card Replacement Charges PIN Re-issuance Charges NIL Rs. 500 Per Card Rs. 500 Per Card Rs. 500 Per Card NIL Charges

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Other Charges
Description *Arbitration fee on disputed transaction Charges Rupee equivalent of US $ 500

*Document Retrieval Charges Local Rs. 250 per retrieval *Document Retrieval Charges International Rupee equivalent of US $ 10 per retrieval

2) Inter Net Banking

You can Pay Utility Bills, Transfer Funds, and access your Account information Anywhere Round-the-clock through SoneriDirect Internet Banking. Features View your balance of account, latest transactions using Todays Transaction menu View your Statement of Account. You can view them online, download them in printable format You can pay the utility Bills for you and your dear ones Transfer Funds 24/7 from SoneriDirect Receive SMS ALERT on your Financial Transactions done from SoneriDirect. (For SMS ALERT Registration, Please call at 0800-00500 / 111-SONERI (766374) or contact your Bank Branch)

3)Telephone Banking
You can conduct your banking from any where and at anytime you want. Dial 111 SONERI (111-766374) to reach our Customer Services Call Center. With Telephone Banking, You can access all the information you need without making a trip to the branch. This means no Parking to find, no traffic to flight and no standing in line. At home, at work or on the go, all you need is a touch-tone telephone, your card number and the T-PIN to access your bank account, 24 hours a day, 7 days a week. Services Balance Enquiry Today's Transaction by Voice Instant statement of Account through Fax Request for Computer Generated Statement of Account Request for cheque book Stop mark of lost Soneri Banking Card Change your T-PIN Latest Forex Rates Product Information

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Islamic Banking
1) Soneri Jari A/C
Soneri Jari Account, on the basis of Qardh may be opened by individuals, partnerships, Joint Account holders, Companies, Corporate, Trusts e.t.c, with following unique facilities: No limit for minimum or maximum balance. No limit for minimum or maximum withdrawal amount within the available balance. Country wide cash deposit / withdrawal facility. Personalized Cheque book facility with no restriction on number of transaction. Fund utilized by the bank in accordance with Shariah Principles under the supervision of proficient Shariah Advisor. Pay orders and demand drafts payable country wide.

Soneri Bachat A/C

Profit & Loss Sharing Soneri BACHAT Account may be opened by individuals, partnerships, Joint Account holders, Companies, Corporate, Trusts e.t.c, on the basis of Shariah Principles of Musharaka with the following unique facilities. Minimum amount for account opening Rs. 100/=. Profit calculated on monthly average and distributed on quarterly basis. Profit calculated on the basis of weightages for different tiers to benefit higher balance with higher return.-Extra premium on deposits of Rs. 10 Million and over. Weightages declared at periodically intervals to be announced on the web-site, and will be displayed on notice board. Soneri Bachat account with special operational facilities of Current Account. No limit for minimum or maximum withdrawal amount within the available balance. Country wide cash deposit / withdrawal facility. Personalized Cheque book facility with no restriction on number of transaction. Fund utilized by the bank in accordance with Shariah Principles under the supervision of proficient Shariah Advisor Pay orders and demand drafts payable country wide.

3)Soneri Meaadi A/C

Profit & Loss Sharing Soneri BACHAT Account may be opened by individuals, partnerships, Joint Account holders, Companies, Corporate, Trusts e.t.c, on the basis of Shariah Principles of Musharaka with the following unique facilities. Minimum deposit Rs.10,000/= for a fixed period of 1 month, 3 months, 6 months, 1 year, 2 years, 3 years and 5 years. Profit payment at the option of client i.e., monthly, quarterly, half yearly, yearly or on maturity. Profit declared quarterly. Net profit (after deduction of expenses & management fee) to be shared on the basis of weightages. Weightages on the basis of tenor and option of profit payment will be announced quarterly.

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Fund utilized by the bank in accordance with Shariah Principles under the supervision of proficient Shariah Advisor

4)Soneri Munafa A/C

Profit & Loss Sharing Soneri BACHAT Account may be opened by individuals, partnerships, Joint Account holders, Companies, Corporate, Trusts e.t.c, on the basis of Shariah Principles of Musharaka with the following unique facilities. No Minimum amount for account opening. Profit will be calculated on daily products. Profit calculated on the basis of weightages for different tiers to benefit higher balance with higher return. Extra premium on deposits of Rs. 10 Million and over. Weightages declared at periodically intervals to be announced on the web-site, and will be displayed on notice board Soneri Munafa account with special operational facilities of Current Account. No limit for minimum or maximum withdrawal amount within the available balance. Country wide cash deposit / withdrawal facility. Personalized Cheque book facility with no restriction on number of transaction. Fund utilized by the bank in accordance with Shariah Principles under the supervision of proficient Shariah Advisor Pay orders and demand drafts payable country wide. Telephone banking, *E-Banking, *GSM Banking, *Web Banking, On-line Banking, ATM Card / Debit Card and Utility Bills Payment.

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