Habib Metropolitan Bank

(Subsidiary of Habib Bank AG Zurich)

SCHEDULE OF BANK CHARGES

FOR THE PERIOD

July 1, 2021 to December 31, 2021

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HABIB METROPOLITAN BANK Page 1 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

TRADE

A. IMPORTS (INTERNATIONAL)
1. LETTERS OF CREDIT:
a) LETTERS OF CREDIT

i) OPENING COMMISSION / RE-VALIDATION EACH

COMMISSION** / TRANSFER OF LETTER OF L/C VOLUME FIRST SUBSEQUENT
CREDIT TO OTHER BENEFICIARY / NON (AMOUNT IN QUARTER QUARTER
REIMBURSABLE LETTERS OF CREDIT UNDER RUPEES) * OR PART OR PART MINIMUM
BARTER/AID/LOANS./ THEREOF THEREOF
L/C UNDER "SUPPLIERS/BUYERS CREDIT".

Upto 10.000 (M) 0.40% 0.20%

From 10.001 (M) 0.30% 0.15%

Upto 100.000 (M) RS. 2200/-

From 100.001 (M) 0.15% 0.10%

Upto 200.000 (M)

Above 200.000 (M) 0.10% 0.10%

ii) L/C PROCESSING CHARGES RS. 1,500/- PER L/C

(IN ADDITION TO (a-i) ABOVE)
* (PRICING CAN BE BASED ON L/C VOLUME OF A CUSTOMER/GROUP INCLUDING ALLIED ACCOUNTS DURING A CALENDAR YEAR JAN - DEC)

** REVALIDATION COMMISSION FOR EXPIRED L/CS SAME COMMISSION AS APPLICABLE TO OPENING OF FRESH L/CS (TO BE CHARGED AFTER
DATE OF EXPIRY OF CREDIT).

b) AMENDMENTS. i) RS. 1800/- PER AMENDMENT (FLAT)

ii) AMENDMENT PROCESSING CHARGES RS. 1800/- PLUS COMMISSION

UNDER ITEMS (a-i) ABOVE, IF AMENDMENT INVOLVES INCREASE IN
AMOUNT OR BEYOND VALIDITY OF LC / OR EXTENSION IN LC VALIDITY.

c) LC CANCELLATION CHARGES RS. 2000/- PER L/C

2. IMPORT BILLS UNDER SIGHT LETTERS OF CREDIT:

a) MARK-UP ON PADs (SIGHT IMPORT BILLS
DRAWN UNDER LETTERS OF CREDIT):

i) IF RETIRED WITHIN 20 DAYS FROM 50 PAISA PER RS. 1000/- DAILY PRODUCT.
THE DATE OF NEGOTIATION.
(DATE OF NEGOTIATION MEANS VALUE
DATE BANK’S NOSTRO ACCOUNT
DEBITED)

ii) IF RETIRED DURING 15 DAYS OF 51 PAISA PER RS. 1000/- DAILY PRODUCT.
SUBSEQUENT TO THE PERIOD AT (i)
ABOVE.

iii) IF RETIRED AFTER THE PERIOD 52 PAISA PER RS. 1000/- DAILY PRODUCT.
MENTIONED AT (i) & (ii) ABOVE.

b) BANK’S COMMISSION IS TO BE CHARGED IF 10 PAISA PER RS. 100/- ON THE PURCHASE PRICE.
THE DOCUMENTS ARE NOT RETIRED WITHIN
10 DAYS FROM THE DATE OF LODGEMENT.

c) HANDLING & SERVICE CHARGES RS. 1000/- PER BILL PLUS @PAISA 15 PER RS. 100/-
(IN ADDITION TO (a) AND (b) ABOVE).
HABIB METROPOLITAN BANK Page 2 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

3. IMPORT BILLS UNDER USANCE LETTERS OF CREDIT:

a) IF BILLS ARE DRAWN AT USANCE UNDER THE LETTERS OF CREDIT OTHER THAN PAYES, SUPPLIERS CREDIT/BUYERS CREDIT AND
DEFFERED PAYMENT LETTERS OF CREDIT ON YEARLY BASIS.

i) HANDLING & SERVICE CHARGES AT THE RS. 1000/- PER BILL PLUS @PAISA 0.15 PER RS. 100/-
TIME OF RETIREMENT.

ii) ACCEPTANCE COMMISSION. @0.15% PER MONTH FOR THE PERIOD BEYOND VALIDITY OF LC OR
PERIOD FOR WHICH L/C COMMISSION CHARGED (MIN RS. 700/-)

iii) EXTENSION IN MATURITY OF USANCE RS. 1500/- PER BILL FLAT

BILLS UNDER L/C (IN ADDITION TO L/C / ISSUANCE COMMISSION)

b) IF ACCEPTED BILL REMAINS UNPAID AFTER DUE MARK-UP @ 50 PAISA PER RS 1,000/- PER DAY FROM DUE DATE TILL
DATE. (PAST DUE ACCEPTANCE) DATE OF PAYMENT.

4. IMPORTS UNDER REGISTERED CONTRACTS:

a) HANDLING & SERVICE CHARGES AT THE TIME OF CONTRACT BUSINESS
REGISTRATION OF CONTRACTS/PURCHASE  UP TO RS. 50( M) 0.20%
ORDER/PROFORMA INVOICE ETC.  ABOVE RS. 50 (M) 0.15%
 MINIMUM RS. 1800/-
b) CONTRACT AMENDMENT RS. 850/- FLAT

5. IMPORT BILLS UNDER REGISTERED CONTRACTS/COLLECTIONS:

a) PAYMENT OF DOCUMENTS AGAINST REGISTERED i- RS.1500/- PER COLLECTION
CONTRACT / HANDLING & SERVICE CHARGES ii- @0.15% PER COLLECTION/CONTRACT
FOR IMPORT COLLECTION BILLS

b) IMPORT COLLECTION DOCUMENTS DIRECTLY i- RS.1500/- PER COLLECTION

RECEIVED BY CUSTOMER / PAYMENT AGAINST ii- @0.15% PER COLLECTION/CONTRACT
GD / iii- FDD/FTT CHARGES
HANDLING & SERVICE CHARGES UPON PAYMENT
OF BILLS

c) IMPORT DOCUMENTS UNDER L/CS / CONTRACTS / USD 90 (FLAT) FROM FORWARDING BANK PLUS COURIER CHARGES
COLLECTIONS RETURNED UNPAID

d) ADVANCE REMITTANCE FOR IMPORTS i- RS.1500/-

ii- @0.12% OF BILL AMOUNT
iii- FDD/FTT CHARGES
6. OTHER CHARGES UNDER IMPORT:
a) CREDIT REPORTS ON FOREIGN SUPPLIERS. USD 70 OR EQV. IN PAK RUPEES
b) HANDLING OF DISCREPANT DOCUMENTS USD 90 (OR EQV. IN OTHER CURRENCY) TO BE RECOVERED FROM
PRESENTED AGAINST LC NEGOTIATING BANK AT THE TIME OF LODGMENT OF DOCUMENTS.
c) ISSUANCE OF NO OBJECTION CERTIFICATE (NOC) RS. 600/-
REGARDING FORWARD EXCHANGE BOOKING /
PAYMENT THROUGH OTHER BANK AT
IMPORTER’S REQUEST.
d) ISSUANCE OF FREIGHT CERTIFICATE FOR RS. 900/- PER CERTIFICATE
IMPORTS ON FOB BASIS
e) “EIF” HANDLING CHARGES RS. 18/- PER REQUEST
f) BANK TO BANK EIF TRANSFER RS. 500/- FLAT PER TRANSACTION
g) OPEN ACCOUNT – EIF APPROVAL ON FREE OF RS. 600/- FLAT PER TRANSACTION
COST BASIS
h) SERVICE CHARGES, IF IMPORTER ARRANGE RS. 2000/- FLAT
FOREIGN EXCHANGE COVER THROUGH ANOTHER
BANK FOR AFFECTING PAYMENT OF IMPORT
DOCUMENTS UNDER L/C OPENED / CONTRACT
REGISTERED WITH US.
i) HANDLING OF THREE WAY MERCHANTING RS. 2000/- FLAT PER TRANSACTION
TRADE TRANSACTIONS BY FIRMS AND
COMPANIES IN PAKISTAN THROUGH BACK TO
BACK L/Cs OR ADVANCE PAYMENTS ETC.
NO MARK-UP ON PAD IS TO BE CHARGED IF 100% INTEREST/RETURN FREE CASH MARGIN/ DEPOSIT IS MAINTAINED/PROVIDED BY THE OPENERS IN
THEIR OWN/ALLIED ACCOUNTS AT THE TIME OF OPENING OF L/C / ON OR BEFORE NEGOTIATION OF DOCUMENTS. (NOTE: THE WAIVER OF MARK-UP
ON PAD AGAINST INTEREST/RETURN FREE DEPOSIT IS SUBJECT TO OBTAINING PRIOR APPROVAL OF COMPETENT AUTHORITY AT HEAD OFFICE.
HOWEVER THE BANK RESERVES THE RIGHT TO DETERMINE THE APPLICABILITY AS PER ARRANGEMENTS WITH CUSTOMERS).
NOTE: THE ABOVE RATES ARE SUBJECT TO DOWNWARD ADJUSTMENT / WAIVER TAKING INTO ACCOUNT THE BUSINESS CONSIDERATIONS
/COMMITMENTS, WITH THE PRIOR APPROVAL OF THE RESPECTIVE ZONAL HEAD / DIVISIONAL HEAD.
HABIB METROPOLITAN BANK Page 3 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

IMPORTS (DOMESTIC)
1. INLAND LETTERS OF CREDIT:

a) i) OPENING COMMISSION 0.35% PER QUARTER OR PART THEREOF. MIN. RS.1,800/-.

ii) L/C PROCESSING CHARGES RS. 1,500/- PER L/C

(IN ADDITION TO (a-i) ABOVE)

b) AMENDMENTS i) RS. 1500/- PER AMENDMENT

ii) AMENDMENT PROCESSING CHARGES RS. 1500/- PLUS COMMISSION

UNDER ITEMS (a-i) ABOVE, IF AMENDMENT INVOLVES INCREASE IN
AMOUNT OR BEYOND VALIDITY OF LC / OR EXTENSION IN LC VALIDITY.

2. DOCUMENTARY BILLS DRAWN UNDER

INLAND LETTERS OF CREDIT:
a) SIGHT BILLS

FROM THE DATE OF LODGEMENT UPTO DATE 52 PAISA PER RS.1,000/- DAILY PRODUCTS.
OF RETIREMENT

b) USANCE BILLS

a) IF BILL MATURES AFTER EXPIRY DA COMMISSION @ 0.15% PER MONTH ON BILL AMOUNT FOR ANY
OF L/C. PERIOD BEYOND VALIDITY OF LETTER OF CREDIT.

b) IF BILL REMAINS UNPAID AFTER MARK-UP @ 54 PAISA PER RS 1,000/- PER DAY FROM DUE DATE TILL
DUE DATE. DATE OF PAYMENT.

c) HANDLING / SERVICE CHARGES AGAINST L/C RS. 900/-

IN ADDITION TO ABOVE (a) & (b)

d) LOCAL BILLS RETURNED UNPAID RS. 1500/-

e) HANDLING OF DISCREPENT DOCUMENTS RS. 1200/-

UNDER INLAND L/C

NOTE: THE ABOVE RATES ARE SUBJECT TO DOWNWARD ADJUSTMENT / WAIVER TAKING INTO ACCOUNT THE BUSINESS CONSIDERATIONS
/COMMITMENTS, WITH THE PRIOR APPROVAL OF THE RESPECTIVE ZONAL HEAD / DIVISIONAL HEAD.
HABIB METROPOLITAN BANK Page 4 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

B. EXPORTS (INTERNATIONAL)
1. LETTERS OF CREDIT

a) ADVISING - FOR CUSTOMERS RS. 1500/- PLUS COURIER CHARGES

ADVISING - FOR NON CUSTOMERS RS. 2500/- PLUS COURIER CHARGES

b) AMENDMENT ADVISING FOR CUSTOMERS RS. 1200/- PLUS COURIER CHARGES

AMENDMENT ADVISING FOR NON CUSTOMERS RS. 1500/- PLUS COURIER CHARGES

c) NEGOTIATION OF RUPEE BILLS UNDER EXPORT 0.30% MIN. RS. 1000/-

L/Cs.

d) NEGOTIATION OF FOREIGN DOCUMENTARY BILLS OD BUYING RATE OR AS PER TENOR OF THE BILL

PAISA 50 PER DAY RS. 1,000/- TO BE CHARGED IF PROCEEDS REALIZED

AFTER 12 DAYS IN CASE OF SIGHT DOCUMENTS.

FOR USANCE DOCUMENTS, PAISA 50 PER DAY RS. 1,000/- TO BE

CHARGED IN CASE OF DELAY BEYOND MATURITY DATE.

IN ADDITION OF ABOVE
 CLEAN DOCUMENTS RS. 1000/-
 DISCREPANT DOCUMENTS RS. 2000/-

e) CONFIRMATION 0.40% PER QUARTER OR PART THEREOF MIN.RS.1,200/-

f)  TRANSFER OF EXPORT L/Cs. RS. 1500/- PLUS COURIER CHARGES

 TRANSFER OF EXPORT L/Cs. WITH RS. 10,000/- FLAT PLUS COURIER CHARGES
SUBSTITUTION OF DOCUMENTS

g) REIMBURSEMENT PAYMENT TO OTHER LOCAL Rs.725/-

BANKS FROM NON RESIDENT RUPEE ACCOUNT.

2. IF THE DOCUMENT ARE SENT TO OTHER BANKS FOR RS. 1200/-

NEGOTIATION UNDER RESTRICTED L/Cs.

3. COLLECTIONS DOCUMENTARY RS. 1000/-

(ON WHICH BANK DOES NOT EARN ANY EXCHANGE
DIFFERENCE)

4. a) HANDLING OF DUTY DRAW BACK CLAIMS (DLTL) / 0.50% OF THE CLAIM AMOUNT OR MIN RS. 100/- PER SHIPMENT /
TEXTILE / NON-TEXTILE HANDLING CHARGES TRANSACTION WHICHEVER IS HIGHER
(INCREMENTAL SCHEMES)
b) HANDLING OF DUTY DRAW BACK CLAIMS (DLTL) / RS. 1000/- FLAT
FREIGHT SUBSIDY HANDLING CHARGES (OLD
SCHEME)
c) HANDLING OF SUBSIDY CLAIMS ON EXPORT OF 0.50% OF THE CLAIM AMOUNT OR MIN RS. 1000/- PER CASE
WHEAT / WHEAT FLOUR, SUGAR AND TEXTILE / WHICHEVER IS HIGHER
NON-TEXTILE & OTHERSUBSIDIES

5. HANDLING OF RESEARCH & DEVELOPMENT SUPPORT 0.50% OF THE CLAIM AMOUNT, MINIMUM RS.1,000/-
CLAIMS

6. COLLECTION OF EXPORT DEVELOPMENT SURCHARGE RS.80/- PER TRANSACTION SEPARATELY FROM THE EXPORTER ON
TO BE COLLECTED AT THE TIME OF REALIZATION OF ACCOUNT OF SERVICES RENDERED.
EXPORT PROCEEDS

7. a) HANDLING & SERVICE CHARGES AGAINST 0.15% OF REALIZED BILL AMOUNT, MINIMUM RS. 2000/-
EXPORT DOCUMENTS SENT ON COLLECTION
BASIS.
b) HANDLING & SERVICE CHARGES AGAINST 0.15% OF BILL AMOUNT, MINIMUM RS 1,000/-
EXPORT DOCUMENTS AGAINST WHICH ADVANCE
PAYMENT IS RECEIVED

8. EXPORT NOC ISSUED IN FAVOUR OF OTHER BANKS TO RS. 500/-

NEGOTIATE COLLECTION DOCUMENTS

9. EXPORT REFINANCE STANDARDIZED PURCHASE RS.300/- PER CASE

ORDER (SPO)
HABIB METROPOLITAN BANK Page 5 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

10. EXPORT REFINANCE APPLICATION HANDLING & RS. 800/- PER APPLICATION
SERVICE CHARGES
11. LTFF HANDLING & SERVICE CHARGES RS. 2000/-
(LONG TERM FINANCE FACILITY FOR 10 YEARS UNDER
SBP EXPORT FINANCE)
12. EXPORT PERFORMANCE VERIFICATION RS. 1000/- PER CASE
EE FORM

13. ERF LOAN OBTAINED FROM US WHEREAS EXPORT RS. 2,500/-

ROUTED THROUGH OTHER BANK

14. CHARGES ON EE /EF NOC ISSUED TO OTHER BANKS RS. 1,500/-

UNDER ERF SCHEME

15. APPLICATION - SUBSTITUTION OF REFINANCE Rs.600/- (EACH)

16. BUSINESS PERFORMANCE CERTIFICATE RS 750/-

17. HANDLING & SERVICE CHARGES FOR OVERDUE RS 1200/- PER BILL FOR ALL OVERDUE BILLS
EXPORT BILLS REPORTING

18. ISSUANCE OF DUPLICATE ANNEX A FOR THE PURPOSE RS. 500/- PER TRANSACTION.
OF CLAIMING DUTY DRAWBACK.

19. HANDLING & SERVICE CHARGES IN LIEU OF @ 0.10% MIN Rs. 1000/-
EXCHANGE EARNINGS WHERE AN EXPORTER SELLS
FOREIGN EXCHANGE TO SOME OTHER BANK WHILE
DOCUMENTS WERE SENT FOR COLLECTION
THROUGH HABIB METRO BANK.

20. CIRCULATION OF LOSS OF „E‟ FORM (RECOVERABLE Rs. 1000/-

FROM BANK‟S OWN CUSTOMERS)

21. DUPLICATE ADVICE ISSUANCE RS. 300/- PER DUPLICATE ADVICE

22. ASSIGNMENT OF PROCEEDS TO OTHER BANKS RS. 1200/-

23. HANDLING OF ADVANCE PAYMENT / ENDORSEMENT Rs.600/-

ON BILL OF LADING

24. ISSUANCE OF NOC TO SHIPPING COMPANIES IN CASE RS. 1000/- FLAT

OF SURRENDER / LOSS OF B/L

25. EXPORT DOCUMENTS / BILL OF EXCHANGE / TR RS. 2000/-

RETURNED UNPAID

26 REIMBURSEMENT /PAYMENT CHARGES IN RESPECT OF USD 100

EXPORT PAYMENTS RECEIVED IN ACU DOLLAR
ACCOUNTS OF BANGLADESH/ SRILANKAN BANKS (MT
740/ MT 202)

27. CREDIT REPORTS ON FOREIGN BUYERS/BANKS USD 75 OR EQV. IN PAK RUPEES

28. CORRESPONDENT CHARGES WITH FOREIGN BANKS RS. 750/-(FLAT)

29. EXPORT BILL REALIZED FROM FCY ACCOUNT 0.10% MINIMUM RS. 1200/-

30. SUBMISSION OF SHIPPING DOCUMENTS BY THE RS 500/- PER SHIPPING DOCUMENTS

EXPORTER AGAINST ADVANCE PAYMENTS BEYOND 90
DAYS FROM SHIPMENT DATE

31. TRANSFER OF EXPORT PROCEEDS TO OTHER BANK RS 1000/- PLUS T.T. CHARGES
WHERE NO DOCUMENTS HANDLED AT OUR END

32. EXPIRED ELECTRONIC FORM E (EFE) BEYOND 45 DAYS RS. 100/- PER E FORM
FROM CERTIFICATION DATE ON WEBOC.

33. TRANSFER OF EFE (WEBOC) TO ANOTHER BANK RS. 600/- PER TRANSACTION

NOTE: THE ABOVE RATES ARE SUBJECT TO DOWNWARD ADJUSTMENT / WAIVER TAKING INTO ACCOUNT THE BUSINESS CONSIDERATIONS
/COMMITMENTS, WITH THE PRIOR APPROVAL OF THE RESPECTIVE ZONAL HEAD / DIVISIONAL HEAD..
HABIB METROPOLITAN BANK Page 6 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

EXPORTS (DOMESTIC)

1. INLAND DOCUMENTARY BILLS OTHER THAN

LETTERS OF CREDIT:

a) COMMISSION CHARGES 0.35% OF BILL AMOUNT OR MIN RS. 400/- WHICHEVER IS HIGHER

b) IN CASE OF PURCHASE SAME CHARGES AS MENTIONED UNDER (A) ABOVE PLUS MARK
DOWN
@ 50 PAISA PER DAY PER 1000 FROM THE DATE OF PURCHASE TO THE
DATE OF PAYMENT.

c) DOCUMENTARY BILLS RETURNED UNPAID RS. 400/-.

2. INLAND DOCUMENTARY BILLS DRAWN UNDER

LETTERS OF CREDIT:

A) SIGHT BILLS

a) COMMISSION CHARGES @ 0.30% OF BILL AMOUNT OR MIN RS. 400/- WHICHEVER IS HIGHER

b) IN CASE OF PURCHASE USUAL COMMISSION AS IN (A) ABOVE AND 51 PAISA PER DAY PER
1,000/- FROM THE DATE OF PURCHASE TILL THE DATE OF PAYMENT.

B) USANCE BILLS

a) COMMISSION CHARGES @ 0.50%. OF BILL AMOUNT OR MIN RS. 400/- WHICHEVER IS HIGHER

b) IN CASE OF PURCHASE USUAL COMMISSION AS IN (A) ABOVE AND 51 PAISA PER DAY PER
1,000/- FROM THE DATE OF PURCHASE TILL THE DATE OF MATURITY.

3. MARK-UP ON DOCUMENARY BILLS

PURCHASED / NEGOTIATED UNDER USANCE
INLAND L/C

IF THE AMOUNT IS REALIZED BEYOND MATURITY DELAYED PERIOD MARKUP @51 PAISAS PER RS. 1,000/- PER DAY (ON
DATE ACTUAL ADVANCE)

4. IF THE DOCUMENT ARE SENT TO OTHER BANKS FOR RS. 500/- FLAT PER BILL
NEGOTIATION UNDER RESTRICTED L/Cs.

NOTE: THE ABOVE RATES ARE SUBJECT TO DOWNWARD ADJUSTMENT / WAIVER TAKING INTO ACCOUNT THE BUSINESS
CONSIDERATIONS /COMMITMENTS, WITH THE PRIOR APPROVAL OF THE RESPECTIVE ZONAL HEAD / DIVISIONAL HEAD.
HABIB METROPOLITAN BANK Page 7 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

C. FINANCING/ADVANCES:
1. FOLLOWING CHARGES WILL BE RECOVERED IN ADDITION TO
PROFIT / RETURN ON FINANCING / ADVANCES:
a) PROJECT EXAMINATION & REVIEW FEE 1%
MIN RS. 10,000/-
MAX RS. 100,000/-
b) LEGAL DOCUMENT FEE ACTUAL
c) ARRANGEMENT FEE (NEW FACILITY) FUND BASED
FOR COMPANIES / BUSINESS ACCOUNTS
0.25% P.A., MIN RS. 2,500/-

FOR INDIVIDUALS 0.25% P.A., MIN RS. 750/-

(MAXIMUM LIMIT FOR BOTH CATEGORIES RS. 25,000/-)

d) REVIEW FEE (RENEWAL) FOR COMPANIES / BUSINESS ACCOUNTS

0.25% P.A., MIN RS. 2,500/-

FOR INDIVIDUALS 0.25% P.A., MIN RS. 500

(MAXIMUM LIMIT FOR BOTH CATEGORIES RS. 15,000/-)

e) ARRANGEMENT FEE NON FUND BASED
0.125% P.A., MIN RS. 1,250/-
(MAX RS. 12,500/-)
f) REVIEW FEE (RENEWAL) 0.125% P.A., MIN RS. 1,250/-
(MAX RS. 5,000/-)
g) INTERIM REVIEW FEE FOR ENHANCEMENT 0.10% PER REQUEST FOR COMPANIES
(TEMPORARY OR PERMANENT) OF EXISTING MIN RS. 1,200/-
FACILITIES. RS. 600/- FLAT (PER REQUEST) FOR INDIVIDUALS (IRRESPECTIVE OF
AMOUNTS)
h) PENAL CHARGE ON OVERDUE FIM, FTR, 2% P.A. OVER AND ABOVE THE NORMAL MARK-UP RATE.
EXPORT FINANCE & ALL OTHER OVERDUE
FINANCES.
i) REGISTRATION / MODIFICATION / ACTUAL
SATISFACTION OF CHARGE WITH SECP

j) CHARGE DOCUMENTS ADVANCES / CREDIT ACTUAL PLUS 05% HANDLING & SERVICE CHARGES
INCLUDING HANDLING & SERVICE CHARGES
k) BUSINESS COMMITMENT SHORTFALL FEE IF A PARTY FAILS TO PASS ON COMMITTED BUSINESS WHILE GETTING
THE CREDIT LINE SANCTIONED IN THEIR FAVOUR, THE BANK RESERVES
THE RIGHT TO RECOVER COMPENSATORY COMMISSION MAXIMUM @ 2
% TO THE EXTENT OF SHORTFALL IN BUSINESS COMMITTED TO BE
ROUTED THROUGH US.

l) ISSUANCE OF NOC FOR PARI PASSU / SECOND RS 3,500/= PER CASE

CHARGE ON FIXED ASSETS / CURRENT ASSETS

m) RESTRUCTURING & RESCHEDULING FEE ON @0.10% OF RESCHEDULED/RESTRUCTURED AMOUNT OR AS PER

FINANCING FACILITIES INCLUDING ALL TYPES AGREEMENT WITH THE CUSTOMER.
OF MORATORIUM DEFERMENT
n) LETTER OF VACATION OF CHARGE RS.1000/- PER NOC
o) DIRECTORS / CHARGE SEARCH /CTCs ETC ACTUAL
FROM SECP & LOCAL CREDIT REPORT
p) MARKING OF LIEN ON HABIBMETRO DEPOSITS / RS.1,000/= FLAT
SECURITIES FOR OTHER BANKS
q) CIB ON LINE CHARGES PER REPORT RS. 75/-
r) PHOTO COPIES OF PROPERTY DOCUMENTS: RS. 4/- PER PAGE
ON CUSTOMER REQUEST / FOR PROPERTY
SEARCH PURPOSE
s) OVERDRAFT / FINANCING WITHOUT PRIOR DEFAULT RATE ( 1MONTH KIBOR PLUS 5%)
ARRANGEMENT

2. IN HOUSE LEGAL ASSISTANCE

a) MARK LIEN ON SECURITIES ISSUED BY OTHER RS. 500/-
INSTITUTIONS
b) REDEMPTION OF CHARGE WHEN BANK'S RS 2,500/=
REPRESENTATIVE ARE CALLED BEFORE
REGISTRAR FOR REDEMPTION OF MORTGAGE.
c) PROPERTY SEARCH / NEC / CTC ETC ACTUAL
HABIB METROPOLITAN BANK Page 8 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

d) HOLDING SECURITIES / PROPERTY DOCUMENTS RS 1,000/= P.A.

ETC., ON BEHALF OF OTHER BANKS / FIS
AGAINST THEIR CONSTRUCTIVE CHARGE.
e) EVALUATION OF ASSETS HELD AS SECURITY. ACTUAL

THE ABOVE CHARGES ARE IN ADDITION TO THE COST OF STAMPS PLUS 10% SERVICE & HANDLING CHARGES & ACTUAL LEGAL /
MISCELLANEOUS. EXPENSES FOR EXECUTION OF DOCUMENTS.
(NOTE: THE BANK RESERVES THE RIGHT TO DETERMINE THE APPLICABILITY AS PER ARRANGEMENTS WITH CUSTOMERS).

3. FOR FINANCES / ADVANCES AGAINST PLEDGE/HYPOTHECATION THE VARIOUS CHARGES MAY BE

LEVIED AS FOLLOWS:
a) GODOWN RENT ACTUAL
b) GODOWN STAFF SALARIES (GODOWN ACTUAL
KEEPERS/CHOWKIDARS
c) GODOWN / STOCKS / MORTGAGED ASSETS
INSPECTION
i) WITHIN MUNICIPAL LIMITS OR WITHIN A Rs. 1,000/-
RADIUS OF 10 KMS FROM INSPECTING
OFFICE BY BANK STAFF.
ii) OUTSIDE THE ABOVE LIMITS TA & DA AS PER RULES PLUS (i) ABOVE
BY BANK STAFF
iii) BY THE OUTSOURCED AGENT ACTUAL
APPOINTED BY THE BANK (NOTE: WHERE BANK STAFF VISITS JOINTLY WITH OUTSOURCED AGENT,
TA & DA AS PER (ii) ABOVE WILL APPLY AND ITEM (i) ABOVE SHALL NOT
APPLY.)
d) OTHER INCIDENTAL EXPENSES (INSURANCE ACTUAL
PREMIA, LEGAL CHARGES ETC).
e) MUCCADUM STORAGE / TRANSPORTATION OF ACTUAL
GOODS
f) ISSUANCE OF DELIVERY ORDER RS. 200/- PER DELIVERY ORDER

4. HABIBMETRO PRIME MINISTER‟S PROCESSING CHARGES RS. 100 /-

YOUTH BUSINESS LOAN

5. COMMITMENT FEE UPTO RS. 100.00 (M)

RS. 25,000/-
DEALER INVOICE FINANCING (CREDIT
FACILITY) ABOVE RS. 100.00 (M)
FEE TO BE CHARGED AT THE TIME OF INITIAL RS. 50,000/-
REVIEW OR AT ANNUAL REVIEW

6. HABIBMETRO ASAAN LOAN PROCESSING RENEWAL INTERIM

(NON REFUNDABLE, PAYABLE UP FRONT)
 UP TO PKR 1 MILLION RS. 2,500/- RS. 2,500/- RS. 2,500/-

 ABOVE PKR 1 MILLION AND LESS THAN RS. 2,500/- RS. 5,000/- RS. 2,500/-
PKR 5 MILLION
 ABOVE PKR 5 MILLION AND LESS THAN RS. 10,000/- RS. 10,000/- RS. 10,000/-
PKR 50 MILLION
 PKR 50 MILLION AND ABOVE RS. 20,000/- RS. 20,000/- RS. 20,000/-

7. PRIME MINISTER‟S KAMYAB JAWAN - PROCESSING FEE RS. 100/-

YOUTH ENTREPRENEURIAL SCHEME
NOTE:
a) WHILE RECOVERING THE MISCELLANEOUS CHARGES LIKE GODOWN RENT, GODOWN STAFF SALARY, INSPECTION CHARGES ETC. THE
AMOUNT RECOVERED FROM THE BORROWERS SHALL NOT EXCEED THE TOTAL RENT OF THE GODOWN, SALARY OF GODOWN STAFF
ETC. IN OTHER WORDS, MISCELLANEOUS CHARGES SHOULD BE LEVIED AS PER ACTUALS AND SHOULD NOT BECOME A SOURCE OF
PROFIT TO THE BANK.
b) MARK-UP WOULD NOT BE CHARGED DURING THE INTERMEDIARY PERIOD OF NEGOTIATION AND RETIREMENT, IF 100% CASH MARGIN
IS PROVIDED TO THE BANK AT THE TIME OF OPENING OF L/C. PLEASE ALSO NOTE THAT WHERE THE IMPORTERS DEPOSIT 100% CASH
MARGIN PRIOR TO THE DATE OF NEGOTIATION, NO MARK-UP WILL BE CHARGED ON THE IMPORT BILL DURING THE INTERMEDIARY
PERIOD OF NEGOTIATION AND RETIREMENT, BUT WHERE 100% CASH MARGIN HAS NOT BEEN DEPOSITED, MARKUP AS PER CREDIT
LINE WILL BE CHARGED AFTER ADJUSTMENT OF CASH MARGIN IF ANY. IF A PARTY DEPOSITS 100% MARGIN AFTER THE DATE OF
NEGOTIATION BUT BEFORE THE DATE OF LODGMENT OF DOCUMENTS, MARK-UP AS PER CREDIT LINE WILL BE CHARGED FROM THE
DATE OF NEGOTIATION TILL THE DATE OF DEPOSIT OF 100% CASH MARGIN
HABIB METROPOLITAN BANK Page 9 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

D. SALE AND PURCHASE OF SECURITIES SAFE CUSTODY ARTICLES IN SAFE DEPOSIT:

1. SALE AND PURCHASE OF SHARES AND
SECURITIES:
a) UPTO RS. 10,000/- OF PURCHASE PRICE OR COST COMMISSION 0.15%. MINIMUM RS. 100/-.
THEREOF.
b) AMOUNT EXCEEDING RS. 10,000/-. COMMISSION 0.10%. MINIMUM RS. 200/-.
NOTE:
i) THE ABOVE CHARGE IS IN ADDITION TO BROKERAGE.

ii) COMMISSION IS NOT TO BE RECOVERED ON PURCHASE OF NEWLY FLOATED SECURITIES, WHERE IT IS PAYABLE BY THE
GOVERNMENT / GOVERNMENT AGENCIES AND FROM THE SUBSCRIBERS TO NEW SHARE FLOTATION.

iii) WHEN ORDERS FOR PURCHASE OR SALE OF SHARES/SECURITIES ARE EXECUTED THROUGH THE BANK'S OTHER OFFICES,
ALL INCIDENTAL EXPENSES, SUCH AS POSTAGE, INSURANCE CHARGES ETC., INCURRED WILL BE RECOVERED IN ADDITION
TO THE COMMISSION/ BROKERAGE CHARGES.

2. SAFE CUSTODY ARTICLES IN SAFE

DEPOSITS:
a) FEE FOR ARTICLE IN SAFE DEPOSIT (TO BE
RECOVERED IN ADVANCE AT THE TIME OF
DEPOSIT OR AT THE COMMENCEMENT OF
EACH YEAR):

i) BOXES AND PACKAGES. RS.500/- PER ANNUM

ii) ENVELOPES RS.200/- PER ANNUM

b) WITHDRAWAL FEE ON SHARES AND

SECURITIES HELD IN SAFE CUSTODY (TO BE
RECOVERED AT THE TIME OF WITHDRAWAL).

i) UPTO RS.10,000/- OF THE FACE VALUE 0.25%. MINIMUM RS.15/-

ii) AMOUNT EXCEEDING RS. 10,000/- 0.125% MINIMUM RS.20/-.

c) WITHDRAWAL FEE ON GOVERNMENT RS.10/- PER SCRIPT.

SECURITIES.

NOTE:
WHERE SHARES AND/OR SECURITIES SOLD ARE FROM THOSE HELD IN SAFE CUSTODY, EITHER COMMISSION ON SALE OF SHARES
AND SECURITIES, AS SHOWN AGAINST ITEM (1) OR WITHDRAWAL FEES, AS SHOWN AGAINST ITEM 2(B) AND (C) WHICHEVER IS
HIGHER, WILL BE CHARGED, BUT NOT BOTH.

3. SALE AND PURCHASE OF SECURITIES –

CUSTODIAN CHARGES OF THE CENTRAL
DEPOSITORY SYSTEM:
CUSTODIAN CHARGES OF THE CENTRAL DEPOSITORY SYSTEM

a) INITIAL DEPOSIT FEE RS. 0 05 PER SHARE OR RS. 250/- PER TRANSACTION WHICHEVER IS
(TO CHANGE FROM PHYSICAL HIGHER
SHARES TO THE CDC SYSTEM)

b) SHARE TRANSFER, STAMP & MISC EXPENSES ACTUAL

c) TRANSACTION FEE RS. 0.005% MARKET VALUE PER TRANSACTION

d) CUSTODY FEE
FOR SHARES RS 0.0200% OF THE MARKET VALUE OF SHARE. MINIMUM RS. 25/-

FOR TFCs / OTHER SECURITIES RS. 0.030% P.A. OF THE MARKET VALUE OF TFCS / OTHER SECURITIES
MINIMUM RS. 25/-

e) CDS SUB A/C OPENING CHARGES FOR INDIVIDUAL RS. 500/-

AT THE TIME OF ACCOUNT OPENING
FOR CORPORATE RS. 1000/-

f) CDS SUB A/C MAINTENANCE CHARGES RS. 500/- PER ANNUM

g) TRANSFER OF PHYSICAL SHARES FROM ONE RS. 250 PER SCRIP

BENIFICIARY TO ANOTHER

h) RIGHT SUBSCRIPTION REQUEST FEE RS. 0.0050 PER RIGHT ENTITLEMENT SUBSCRIBED
HABIB METROPOLITAN BANK Page 10 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

i) WITHDRAWAL FEE FOR ELECTRONIC TO RS. 0.20 PER SHARE

PHYSICAL SHARES

j) CDS STATEMENT OF ACCOUNT NIL

k) PLEDGE/RELEASE OF SHARES HELD WITH NIL

OTHER PARTICIPANT A/CS.

l) PLEDGE / RELEASE OF SHARES HELD IN SUB- NIL

ACCOUNT

4. INVESTMENT PORTFOLIO SECURITIES RS. 925/- PER TRANSACTION

ACCOUNT (IPS) TRANSACTION CHARGES PLUS RS.200/- SBP SETTLEMENT CHARGES IN CASE OF PURCHASE OF
SECURITIES.

E. GUARANTEES:

1. GUARANTEES ISSUED TO SHIPPING RS. 1,500/- (FLAT)

COMPANIES IN LIEU OF BILLS OF LADING/
ENDORSEMENT OF AIR WAY BILL (AWB) /
RAILWAY RECEIPT

2. GUARANTEES ISSUED TO COLLECTOR OF 0.60% PER QTR OR PART THEREOF MINIMUM RS. 1200/- OR AS PER
CUSTOM IN LIEU OF PAYMENT OF EXPORT ARRANGEMENT
DUTY WHICH ARE VALID UPTO 6 MONTHS.

3. OTHER GUARANTEES

a) ON BEHALF OF RESIDENTS 0.50% PER QTR OR PART THEREOF MINIMUM RS. 1000/-

b) ON BEHALF OF NON RESIDENTS AGAINST THE 0.50% PER QUARTER OR PART THEREOF MINIMUM USD 100/-
COUNTER GUARANTEE OF CORRESPONDENT/
FOREIGN BANKS.

4. GUARANTEES IN FAVOUR OF BENEFICIARIES

RESIDENT OUTSIDE PAKISTAN. (STRICTLY
AS PER SBP INSTRUCTIONS) OR WITH THE
PRIOR APPROVAL OF SBP AS THE CASE MAY
BE):

a) COMMISSION 0.50% PER QTR OR PART THEREOF MINIMUM RS. 1000/-

b) CABLE/TELEX CHARGES FULL TEXT CABLE/TELEX L/Gs RS. 1,200/- INCLUDING HANDLING &
SERVICE CHARGES OR ACTUAL WHICH EVER IS HIGHER.

c) OTHER CHARGES CORRESPONDENTS' GUARANTEE COMMISSION AND OTHER CHARGES

AT ACTUAL.

5. GAS CONNECTION GUARANTEES: RS. 0.3.% PER QUARTER – MINIMUM RS.600/-

6. GUARANTEES ISSUED IN FAVOUR OF RS. 0.10% PER QUARTER OR PART THEREOF MINIMUM RS. 250/-
EDUCATIONAL INSTITUTIONS/FOR
EDUCATIONAL PURPOSES:

7. LG AMENDMENT IN AMOUNT / PERIOD RS. 500/- AMENDMENT CHARGES. IN ADDITION TO DIFFERENCE OF

COMMISSION FOR EXTENDED PERIOD AND AMOUNT

8. CLAIM HANDLING CHARGES RS, 2,500 (FLAT)

NOTE: ALL GUARANTEES ISSUED BY BANK MUST CONTAIN SPECIFIC AMOUNT AND EXPIRY DATE AND A DATE BY WHICH THE CLAIMS
ARE TO BE LODGED.

THE ABOVE RATES ARE SUBJECT TO DOWNWARD ADJUSTMENT / WAIVER TAKING INTO ACCOUNT THE BUSINESS CONSIDERATIONS
/COMMITMENTS, WITH THE PRIOR APPROVAL OF THE RESPECTIVE ZONAL HEAD / DIVISIONAL HEAD.
HABIB METROPOLITAN BANK Page 11 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

F. GENERAL BANKING
1.(a) FIRST CHEQUE BOOK ISSUANCE CHARGES

 CURRENT ACCOUNTS (LCY / FCY) FREE

 SAVING ACCOUNTS (LCY / FCY) RS. 18/- PER LEAF OR EQUIVALENT IN OTHER CURRENCIES

 BASIC BANKING ACCOUNT RS. 100/- CHEQUE BOOK (25 LEAVES)

1.(b) SUBSEQUENT CHEQUE BOOK ISSUANCE

CHARGES

 CURRENT ACCOUNTS (LCY / FCY) RS. 18/- PER LEAF OR EQUIVALENT IN OTHER CURRENCIES
OR
CHARGES WAIVED, IF AVG MONTHLY BALANCE MAINTAINED
DURING LAST MONTH => 100K OR EQUIVALENT IN OTHER
CURRENCIES

 MERA MUSTAQBIL CURRENT ACCOUNT RS. 18/- PER LEAF OR

CHARGES WAIVED, IF AVG MONTHLY BALANCE MAINTAINED
DURING LAST MONTH => 50K

 SILVER CURRENT ACCOUNT FREE

 SAVING ACCOUNTS (LCY / FCY) RS. 18/- PER LEAF OR EQUIVALENT IN OTHER CURRENCIES

 BASIC BANKING ACCOUNT RS. 100/- CHEQUE BOOK (25 LEAVES)

2. FOREIGN REMITTANCES:
2.1 OUTWARD REMITTANCES:
a) ISSUANCE OF FDDS US$ 18/- OR EQV. IN OTHER CURRENCIES PLUS
CORRESPONDENT CHARGES (IF ANY)

b) ISSUANCE OF FTTS US$ 32/- OR EQV. IN OTHER CURRENCIES PLUS

CORRESPONDENT CHARGES (IF ANY)

c) CANCELLATION OF FDDS / FTTS US $ 3/- OR EQV. IN OTHER CURRENCIES

CORRESPONDENT CHARGES US$ 2 (IF ANY)

d) HANDLING & SERVICE CHARGES:

- AGAINST ISSUANCE OF FOREIGN TELEGRAPHIC @ PAISA 10 PER RS. 100/ . MINIMUM RS.750/-
TRANSFERS (FTTs) / FOREIGN DEMAND DRAFTS
(FDDs) AGAINST PAK RUPEES EXCEPT SCRA
ACCOUNT

e) STOP PAYMENT OF FDD / FTT US$ 22/- OR EQV. IN OTHER CURRENCIES

2.2 INWARD REMITTANCES:

a) HOME REMITTANCES NIL

b) OTHER REMITTANCES (COMMERCIAL):

i) IF THE PROCEEDS ARE CREDITED TO AN NIL
ACCOUNT WITH HABIBMETRO

ii) IF PROCEEDS REMITTED TO ANOTHER RS. 300/- FLAT

BANK OR CASH PAYMENT

c) HANDLING & SERVICE CHARGES ON PAYMENT OF RS. 250/- (FLAT)

INWARD FOREIGN DRAFTS/FTTS WHERE PAYMENT IS
MADE TO BENEFICIARIES AFTER PAYMENT COVER IS
RECEIVED IN OUR FOREIGN CURRENCY A/C.
HABIB METROPOLITAN BANK Page 12 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

2.3 FOREIGN BILLS FOR COLLECTIONS (FBC):

a) OUTWARD COLLECTIONS: US$.2.40
PER US$.1000/- OR EQV. IN OTHER CURRENCIES PER INSTRUMENT.

MINIMUM US$. 10/-

MAXIMUM US$ 50/-
OR EQUIVALENT IN OTHER CURRENCIES PER INSTRUMENT

PLUS COURIER CHARGES

b) INWARD COLLECTIONS (CHEQUES COMMISSION 0.15% MIN US$ 10 OR EQV. IN OTHER CURRENCIES
DRAWN ON FOREIGN CURRENCY
ACCOUNTS UNDER F. E. 25 OF 1998)

c) CHEQUES, DRAFTS PURCHASED RS. 1000/- HANDLING & SERVICE CHARGES PLUS COURIER
CHARGES
OD BUYING RATE TO BE APPLIED

IF PROCEEDS NOT REALIZED WITHIN 12 DAYS THEN PAISAS 50 PER

DAY PER RS. 1,000/- TO BE CHARGED FOR ANY DELAY BEYOND 12
DAYS
d) CHEQUE RETURNED CHARGES ACTUAL CHARGES OF RETURNING BANK PLUS
USD 5/- OR EQUIVALENT FOREIGN CURRENCY

3. LOCAL REMITTANCES

3.1 ISSUANCE OF DEMAND DRAFTS AND TELEGRAPHIC TRANSFERS:

a) COMMISSION:

i) UPTO RS.10,000/- RS. 100/- (FLAT)

ii) FROM RS.10,001/- TO RS.100,000/- 0.20% MIN. RS. 100/-

iii) OVER RS.100,000/- 0.075% MIN. RS. 200/-

b) D.D. CANCELLATION RS. 300/‑ (FLAT) PER D.D.

DUPLICATE D.D. RS. 250/- (FLAT) PER D.D.

c) STOP PAYMENT INSTRUCTIONS FOR RS. 225/- (FLAT) PER INSTRUCTION PLUS COURIER CHARGES.
TELEGRAPHIC TRANSFERS

NOTE:

WHERE COLLECTIONS MADE BY BANK BRANCHES ARE REMITTED TO ANOTHER PLACE, BY WHATEVER METHOD IT MAY BE,
FOR THE PURPOSE OF CENTRALIZATION OR OTHERWISE, REMITTANCE CHARGES AT THE ABOVE RATES ARE TO BE
RECOVERED.

3.2 PAY ORDERS, SBP/NBP CHEQUES:

a) ISSUANCE OF PAYORDER FREE

b) ISSUANCE OF SBP/NBP CHEQUES RS. 500/-.

c) CANCELLATION / DUPLICATE PAY ORDER RS. 400/ (FLAT)

3.3 OUTWARD BILLS COLLECTION (OBC)

a) COLLECTION 0.35% OF THE BILL AMOUNT

OR
MIN. RS. 125/-
(WHICHEVER IS HIGHER BUT MAX UPTO RS. 600/-)

PLUS COURIER CHARGES

AND PAYING BANK CHARGES AT ACTUAL

b) BILLS RETURNED UNPAID RS. 180/-

c) OTHER CHEQUES/DEMAND INSTRUMENTS 0.40% MIN. RS.25/-
(LIKE DIVIDEND WARRANTS) PURCHASE
d) COLLECTING AGENTS CHARGES, IF THE AT ACTUAL
COLLECTING BANK IS OTHER THAN THE
BANK, WILL BE EXTRA
HABIB METROPOLITAN BANK Page 13 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

4. RTGS TRANSACTION CHARGES

a) FOR TRANSFER OF FUNDS (MT-103) MONDAY - FRIDAY
AMOUNT RS. 1 MILLION AND ABOVE. i- Upto 1:00 p.m. RS.200/- PRISM CHARGES

ii- 1:01 p.m. to 3:00 p.m RS.300/- PRISM CHARGES

iii- 3:01 p.m. to 4:00 p.m. RS.500/- PRISM CHARGES

(PLUS COMMISSION @ 10% AND FED)

 IF SATURDAY HOLIDAY IS DISCONTINUED, TIMINGS WILL BE

CUT BY 30 MINUTES. SAME CHARGES WILL APPLY.
 TIMING'S WILL BE CUT BY 30 MINUTES AS PER SBP TIME FOR
PROCESSING OF RTGS.
b) FOR MULTIPLE TRANSFER OF FUNDS MONDAY – FRIDAY
(MT-102) AMOUNT BELOW RS. 1 MILLION. 9 A.M. TO 4:00 P.M.

RS. 25/- PER TRANSACTION (PRISM CHARGES)

(PLUS COMMISSION RS. 25/- AND FED)

5. SAFE DEPOSIT LOCKERS:
a) RENT FREE AGAINST PRESCRIBED i) SMALL Rs. 25,000/-
REFUNDABLE LOCKER DEPOSIT.
ii) MEDIUM Rs. 40,000/-

iii) LARGE Rs. 70,000/-

iv) EXTRA LARGE Rs. 125,000/-

(INCLUSIVE OF KEY DEPOSIT)

b) BREAKING CHARGES RS. 3,000/- PER LOCKER.

c) LOCK REPLACEMENT CHARGES RS. 1500/- (INCLUDING HANDLING CHARGES)

(IF LOCKER IS SURRENDERED WITHIN 6
MONTHS)
d) ADDITIONAL LOCK INSTALLATION ( ACTUAL PLUS RS. 500/-
HANDLING & SERVICE CHARGES)

6. BASIC BANKING ACCOUNTS:

a) IF MORE THAN 2 CHEQUES ARE ISSUED IN A RS. 25/- PER CHEQUE FROM 3RD CHEQUE
MONTH

b) ADDITIONAL STATEMENT OF ACCOUNT RS. 20/- PER STATEMENT

7. TRANSACTION BANKING
a) CORPORATE COLLECTION AS PER ARRANGEMENT

b) CORPORATE E-SALARY RS. 50/- PER E-SALARY CREDIT OR AS PER ARRANGEMENTS

c) CORPORATE ELECTRONIC PAYMENT (CEP) RS. 150/- PLUS GOVT. TAXES PER TRANSACTION OR AS PER
ARRANGEMENTS

d) ELECTRONIC DIVIDEND PAYMENT (E- RS. 150/- PLUS GOVT. TAXES PER TRANSACTION OR AS PER
DIVIDEND) ARRANGEMENTS

e) E-IPO, IPO, TFC & BOOK BUILDING 0.50% OF SUBSCRIPTION AMOUNT PLUS RS. 40,000/- HANDLING &
SERVICE CHARGES OR AS PER AGREEMENT

f) RIGHT SHARES COLLECTION & COLLECTION 0.50% OF SUBSCRIPTION AMOUNT PLUS RS. 40,000/- HANDLING &
OF DEPOSIT AGAINST BONUS SHARES SERVICE CHARGES OR AS PER AGREEMENT

g) HABIBMETRO@WORK ACCOUNT RS. 100/- PER SALARY CREDIT TRANSACTION

OR AS PER ARRANGEMENT

h) HABIBMETRO@WORK PAYROLL CARD RS. 50/- PER LOAD OR AS PER THE ARRANGEMENT

i) CORPORATE WEB BANKING

 SIGN-UP FEE RS. 100,000/- OR AS PER THE ARRANGEMENT
 ANNUAL MAINTENANCE FEE RS. 10,000/- PER ANNUM OR AS PER THE ARRANGEMENT
HABIB METROPOLITAN BANK Page 14 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

8. PAYPAK DEBIT CARD

ANNUAL FEE RS. 900/-

a)
b) CARD RE ISSUANCE RS. 450/-

c) PIN RE ISSUANCE RS. 100/-

ATM SWITCH – FINANCIAL TRANSACTION RS. 18.75 PER TRANSACTION

d)
e) BALANCE INQUIRY ON OTHER BANK’S ATM RS. 2.50 PER TRANSACTION

f) RETRIEVAL CHARGES RS. 100/-

g) ARBITRATION CHARGEBACK CHARGES RS. 10,000/-

h) RECEIPT ON OTHER BANK ATM CASH RS. 2.50

WITHDRAWAL

9. VISA DEBIT CARD: *

PREMIUM GOLD PLATINUM SIGNATURE INFINITE
a) ANNUAL FEE RS. 1,250/- RS. 1,500/- RS. 2,400/- PRIORITY PRIORITY
CUSTOMER CUSTOMER
RS. 7,500/- RS. 13,000/-
OR
RS. 6,000/- , IF
AVG MONTHLY
BALANCE
MAINTAINED
DURING LAST
MONTH
=> RS. 5M
NON-PRIORITY NON-PRIORITY
CUSTOMER CUSTOMER
RS. 12,000/- RS. 25,000/-

b) CARD RE-ISSUANCE CHARGES RS. 600/- RS. 750/- RS. 1,000/- RS. 1,000/- RS. 3,000/-
c) ADDITIONAL CARD ISSUANCE FEE RS. 600/- RS. 750/- RS. 1,200/- PRIORITY PRIORITY
CUSTOMER CUSTOMER
RS. 7,500/- RS. 13,000/-
OR
RS. 6,000/- , IF
AVG MONTHLY
BALANCE
MAINTAINED
DURING LAST
MONTH
=> RS. 5M
NON-PRIORITY NON-PRIORITY
CUSTOMER CUSTOMER
RS. 12,000/- RS. 25,000/-
d) PIN RE-ISSUANCE CHARGES RS. 120/- RS. 120/- RS. 120/- RS. 120/- RS. 120/-
e) RETRIEVAL CHARGES (LOCAL) RS. 250/- RS. 250/- RS. 250/- RS. 250/- RS. 250/-
RETRIEVAL INTERNATIONAL CHARGES
f) RS. 800/- RS. 800/- RS. 800/- RS. 800/- RS. 800/-
(INTERNATIONAL)
g) ARBITRATION CHARGEBACK CHARGES $ 500 $ 500 $ 500 $ 500 $ 500
ATM WITHDRAWAL (LOCAL) AT OTHER
h) RS. 18.75 RS. 18.75 RS. 18.75 RS. 18.75 RS. 18.75
BANK
i) ATM WITHDRAWAL (INTERNATIONAL) 3.5 % 3.5 % 3.5 % 3.5 % 3.5 %
j) POS PURCHASE (LOCAL) NIL NIL NIL NIL NIL
POS PURCHASE (INTERNATIONAL &
k) INTERNET TRANSACTIONS EXECUTED 3.5 % 3.5 % 3.5 % 3.5 % 3.5 %
THROUGH INTERNATIONAL MERCHANTS)
BALANCE INQUIRY ON OTHER BANK’S
l) RS. 2.50 RS. 2.50 RS. 2.50 RS. 2.50 RS. 2.50
ATM
m) BALANCE INQUIRY (INTERNATIONAL) RS. 170/- RS. 170/- RS. 170/- RS. 170/- RS. 170/-
LOW BALANCE DECLINED CHARGES
n) RS. 35/- RS. 35/- RS. 35/- RS. 35/- RS. 35/-
INTERNATIONAL (PER TRANSACTION)
RECEIPT ON OTHER BANK ATM CASH
o) RS. 2.50 RS. 2.50 RS. 2.50 RS. 2.50 RS. 2.50
WITHDRAWAL
* Eligibility criteria for Platinum Debit Card: - 3 Million Average Balance for Last 3 Months
HABIB METROPOLITAN BANK Page 15 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

INTERNATIONAL SERVICES FEE PER REQUEST

p) LOST AND STOLEN CARD REPORT
ALL CARDS $35
q) EMERGENCY CARD REPLACEMENT
VISA ELECTRON $225
VISA CLASSIC $225
VISA GOLD, VISA PLATINUM AND VISA $250
INFINITE $250
VISA BUSINESS AND VISA CORPORATE
r) EMERGENCY CASH DISBURSEMENT
VISA ELECTRON, VISA CLASSIC, VISA $175
GOLD, VISA
PLATINUM, VISA INFINITE, VISA BUSINESS
AND VISA CORPORATE CARDS
s) EMERGENCY SERVICE REQUEST DENIED
OR $ 50
FULFILLED BY ISSUER OR CANCELLED
VISA ELECTRON, VISA CLASSIC, VISA
GOLD, VISA
PLATINUM, VISA INFINITE, VISA BUSINESS
AND VISA CORPORATE CARDS
t) CARDHOLDER INQUIRY SERVICE/VISA $7.50
ASSISTANCE CENTRE
ALL CARDS
10. MERA MUSTAQBIL CARD
a) ANNUAL FEE FREE (FOR THE 1ST YEAR)
FOR SUBSEQUENT YEARS, ANNUAL FEE OF VISA DEBIT CARD WILL BE
APPLIED AS PER THE SOC, IF THE YEARLY AVG BALANCE OF
RS. 50,000/- IS NOT MAINTAINED
b) CARD RE ISSUANCE FREE
SUBJECT TO MAINTAINING MONTHLY AVERAGE BALANCE OF
RS. 50,000/- OTHERWISE VISA DEBIT CARD FEE WILL BE APPLIED AS
PER SOC

11. WEB BANKING SERVICES PIN RE- RS. 100/-

ISSUANCE
12. SMS ALERT SERVICE
i) ALL TRANSACTIONS
a) LOCAL NUMBER RS. 75/- PER MONTH (FLAT) OR EQV. IN OTHER CURRENCIES
b) INTERNATIONAL NUMBER RS. 150/- PER MONTH OR EQV. IN OTHER CURRENCIES.

ii) DIGITAL / ADC TRANSACTIONS FREE

13. INTER BANK FUNDS TRANSFER (IBFT)

TRANSACTION SLABS FEE PER TRANS. (INCL 1LINK & GOVT. TAXES)

CUSTOMER TO CUSTOMER FUND TRANSFER

UPTO RS. 25,000/- PER MONTH FREE
ABVOE RS. 25,000/- PER MONTH 0.1% OF THE TRANSACTION AMOUNT OR
RS. 200/- WHICHEVER IS LOWER
GOVERNMENT PAYMENTS (MANDATE-FBR/CUSTOM)
UP-TO 100K RS. 10/-
100K+ TO 1M RS. 20/-
ABOVE 1M RS. 50/-

14. SILVER CURRENT ACCOUNT

IF MONTHLY AVERAGE BALANCE FALLS BELOW FLAT RS. 150/- FOR PARTICULAR MONTH.
RS. 50,000/- DURING ANY MONTH

15. SERVICE CHARGES

APPLICABLE ON ALL SAVING ACCOUNTS
WHERE AVERAGE BALANCE DURING THE MONTH RS. 43/- PLUS TAXES
FALLS BELOW PKR 10,000/-
* EXCEPT ON REGULAR PLS SAVING, ALL CURRENT ACCOUNTS, BASIC BANKING, ASAAN, HABIBMETRO@WORK ACCOUNT & ROSHAN
DIGITAL ACCOUNT

16. ONLINE CASH WITHDRAWAL & DEPOSIT CHARGES

i. INTERCITY
a. IN ALL TYPES OF SAVING ACCOUNT a. RS. 250/- (FLAT) PER TRANSACTION
b. IN ALL TYPES OF CURRENT ACCOUNT b. FREE

ii. INTRACITY (WITHIN CITY) FREE

*ISLAMABAD AND RAWALPINDI ARE TREATED AS WITHIN CITY WHILE DEDUCTING CHARGES.
HABIB METROPOLITAN BANK Page 16 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

G. CONSUMER BANKING PRODUCTS:

a) PERSONAL LOAN:

i) PROCESSING FEE MINIMUM RS. 2,500/- OR UPTO 1% OF LOAN AMOUNT (WHICHEVER

ISHIGHER)

ii) LATE PAYMENT CHARGES RS. 250/-

iii) CHEQUE RETURN CHARGES RS.125/-

iv) DUPLICATE ISSUANCE OF DOCUMENTS RS. 250/-

v) CHEQUE/CASH PICK UP FEE RS. 250/-

vi) PREPAYMENT CHARGES 5% OF OUTSTANDING PRINCIPAL

vii) ENHANCEMENT / TOP UP RS. 2,000/-

viii) LITIGATION CHARGES AT ACTUAL

ix) LEGAL DOCUMENTATION / STAMPING CHARGES AT ACTUAL

x) ADVANCE SALARY LOAN PROCESSING FEE 5% ON LOAN AMOUNT

b) AUTO LOANS/ RESIDUAL VALUE LEASE:

i) PROCESSING FEE RS. 6,000/-

ii) REPOSSESSION CHARGES RS. 100,000 OR ACTUAL (WHICHEVER IS LOWER)

iii) LATE PAYMENT CHARGES Rs. 300/- (PER INSTANCE)

iv) CHEQUE RETURN CHARGES Rs. 150/-

v) DUPLICATE ISSUANCE OF DOCUMENTS Rs. 300/-

vi) CHEQUE/CASH PICK UP FEE Rs. 300/-

vii) APPRAISAL CHARGES AT ACTUAL

viii) INSURANCE AT ACTUAL

ix) REPOSSED VEHICLE STORAGE CHARGES RS. 15,000/- MONTH OR ACTUAL (WHICHVER IS LOWER)

x) REPOSSED VEHICLE VALUATION RS. 7,000/- OR ACTUAL (WHICHVER IS LOWER)

xi) LITIGATION CHARGES AT ACTUAL

xii) PREPAYMENT CHARGES 8% OF PRINCIPAL OUTSTANDING (FIRST 2 YEARS ONLY)

xiii) INCOME ESTIMATION AT ACTUAL

xiv) REGISTRATION SERVICE FEE (OVER & ABOVE AT ACTUAL

REGISTRATION CHARGED BY EXCISE & TAXATION
DEPT)

xv) SECURED TRANSACTION REGISTRY (STR) FEE RS. 1,000/-

xvi) LEASE TERMINATION CHARGES FOR RESIDUAL Rs. 50,000/-

VALUE LEASE

xvii) ISSUANCE OF DUPICATE NOC RS. 1,000/-

c) STANDING INSTRUCTIONS FOR CONSUMER

PRODUCTS

i) AMENDMENT RS.100/- PER AMENDMENT

ii) DEFAULT DUE TO LACK OF FUNDS RS.500/-

HABIB METROPOLITAN BANK Page 17 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

d) AUTO LEASE

i) PROCESSING FEE 0.5% OF THE LEASE AMOUNT

ii) PREPAYMENT CHARGES WITHIN ONE (1) YEAR 7.00 %, AFTER ONE (1) YEAR 5.00 %

iii) REPOSSESSION CHARGES MAXIMUM UPTO RS. 100,000/- INCLUDING HANDLING & SERVICE
CHARGES (PLUS ACTUAL LEGAL & VALUATION CHARGES)

iv) LATE PAYMENT CHARGES RS. 200/-

v) CHEQUE RETURN CHARGES RS. 100/-

vi) DUPLICATE ISSUANCE OF DOCUMENTS RS. 200/-

vii) CHEQUE/CASH PICK UP FEE RS. 200/-

e) HOME LOANS

e-i) REGULAR

i) PROCESSING FEE Rs. 15,000/- (NON REFUNDABLE)

ii) LEGAL DOCUMENTS AT ACTUAL

iii) APPRAISAL CHARGES AT ACTUAL

iv) LEGAL OPINION AT ACTUAL

v) INCOME ESTIMATION AT ACTUAL

vi) PREPAYMENT CHARGES - BTF TO OTHER BANKS 5% OF OUTSTANDING PRINCIPAL

vii) PREPAYMENT CHARGES - FULL SETTLEMENT

1ST YEAR - 5TH YEAR 5% OF OUTSTANDING PRINCIPAL
6TH YEAR ONWARDS NIL

viii) LATE PAYMENT CHARGES RS. 1,500/- (PER INSTANCE)

ix) CHEQUE RETURN CHARGES RS. 1,200/- (PER CHEQUE)

x) BALLOON PAYMENT / PARTIAL SETTLEMENT 4.25% OF PARTIAL PAYMENT AMOUNT

(ONCE A YEAR, MAX 25% OUTSTANDING
AMOUNT)

xi) OFFER LETTER RE-ISSUANCE 50% OF APPLICABLE PROCESSING FEE AT THE TIME

xii) CHEQUE / CASH PICK UP FEE RS. 1,000/-

e-ii) MERA PAKISTAN MERA GHAR

i) PROCESSING FEE RS. 5,000/- (NON REFUNDABLE)

ii) LEGAL DOCUMENTS AT ACTUAL

iii) APPRAISAL CHARGES AT ACTUAL

iv) LEGAL OPINION AT ACTUAL

v) INCOME ESTIMATION AT ACTUAL

vi) PREPAYMENT CHARGES NIL

HABIB METROPOLITAN BANK Page 18 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

H. MISCELLANEOUS CHARGES:
WHERE APPLICABLE FOLLOWING CHARGES ARE TO BE RECOVERED.

1. CORRESPONDENTS' CHARGES, IF ANY ACTUAL PLUS D/D. T/T / HANDLING & SERVICE CHARGES AS THE
CASE MAY BE.
2. a) COURIER CHARGES
i) LOCAL RS. 70/- OR ACTUAL WHICHEVER IS HIGHER

ii) FOREIGN RS. 2,500/- OR ACTUAL WHICHEVER IS HIGHER

b) SWIFT - QUERY MESSAGES ON BEHALF OF RS. 500/- PER REQUEST

CUSTOMER

3. ISSUANCE OF PROCEEDS CERTIFICATE BEYOND ONE RS. 500/ (FLAT) PER CERTIFICATE
YEAR

4. STANDING INSTRUCTIONS CHARGES:

F.C. ACCOUNT US$. 2.00 PER INSTRUCTION OR EQUIVALENT IN OTHER CURRENCIES.

RUPEE ACCOUNT RS. 350/- PER INSTRUCTION.

WEB BANKING RS. 25/- UPTO 5 INSTRUCTIONS

AND/OR MULTIPLES OF 5 INSTRUCTIONS RS. 25/-

MOBILE BANKING RS. 25/- UPTO 5 INSTRUCTIONS

AND/OR MULTIPLES OF 5 INSTRUCTIONS RS. 25/-

5. STOP PAYMENT OF CHEQUE:

F.C. ACCOUNT
RS. 500/- PER INSTRUCTION OR EQUIVALENT IN OTHER
CURRENCIES
RUPEE ACCOUNT

6. LOCAL US DOLLAR INSTRUMENT COLLECTION AND SETTLEMENT SYSTEM

a) PROCESSING CHARGES RS. 400/- PER INSTRUMENT

b) PROCESSING CHARGES ON RETURN RS. 500/- PER INSTRUMENT INCLUDING HANDLING & SERVICE
INSTRUMENT CHARGES

7. REMITTANCE (LOCAL/ABROAD) AGAINST FOREIGN a) 0.50% IF FUNDS REMITTED LOCALLY OR ABROAD WITHIN 14
CURRENCY NOTES DEPOSITED IN FOREIGN DAYS FROM DATE OF DEPOSIT IN FOREIGN CURRENCY
CURRENCY ACCOUNTS ACCOUNT
(CHARGES ARE NOT APPLICABLE ON FC CASH WITHDRAWALS)

b) 0.75% IN CASE OF SURRENDER OF CASH USD NOTES BY

EXPORTERS AGAINST EXPORT TO AFGHANISTAN

8. REGISTRATION OF AGREEMENT WITH SBP IN RS. 3000/- FLAT AS HANDLING & SERVICE CHARGES
RESPECT OF PRIVATE FOREIGN CURRENCY LOANS
OBTAINED BY BORROWERS IN PAKISTAN FROM
FOREIGN LENDERS

9. OBTAINING SBP APPROVAL RELATED TO FOREIGN RS. 1500/- FLAT

EXCHANGE TRANSACTIONS

10. REMITTANCE OF FREIGHT CHARGES AT THE RS. 3000/- FLAT

REQUEST OF FREIGHT FORWARDERS IN TERMS OF PLUS HANDLING & SERVICE CHARGES
SBP FE CIRCULAR NO-6 OF 2006 @ PAISA 10 PER RS. 100/ . MINIMUM RS.750/- FOR ISSUANCE OF FDD /
FTT AGAINST PAK RUPEES EXCEPT SCRA ACCOUNT

11. HANDLING OF FOREIGN INVESTMENT CASES 0.15% MINIMUM RS. 3000/-

(OUTWARD/INWARD)
HABIB METROPOLITAN BANK Page 19 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

12. FOREIGN DIRECT INVESTMENT: 0.15% MINIMUM RS. 2500/-

DESIGNATION OF BANK FOR PAYMENT OF
DIVIDENDS & DISINVESTMENT PROCEEDS WHERE
SBP HAS ALREADY REGISTERED THE SHARES IN
THEIR RECORD

13 BANK GUARANTEE ASSIGNMENT NOTING (HAVING RS. 1000/-

ASSIGNMENT CLAUSE) CHARGES / CONFIRMING
GENUINENESS

14. DUPLICATE STATEMENT OF ACCOUNT RS 5/- PER PAGE (MAX RS 28/-) OR EQUIVALENT IN OTHER
CURRENCIES

15. CHEQUE RETURNED CHARGES (ONLY IF THE RS. 600/- PER CHEQUE
CHEQUE IS RETURNED BY “US” DUE TO
INSUFFICIENT FUNDS)

16 a) SAME DAY CLEARING PROCESSING CHARGES RS. 150/- OR ACTUAL WHICHEVER IS HIGHER

b) SAME DAY CHEQUE RETURNED CHARGES RS. 225/- OR ACTUAL WHICHEVER IS HIGHER

17. a) INTERCITY CLEARING CHARGES RS. 120/- OR ACTUAL WHICHEVER IS HIGHER

b) INTERCITY CLEARING CHEQUE RETURNED RS. 120/- OR ACTUAL WHICHEVER IS HIGHER

CHARGES

18. DUPLICATE ADVICE CHARGES RS. 10/- PER ADVICE.

19. CONFIRMATION OF BALANCE TO AUDITORS. RS. 300/-

20. ACCOUNT CLOSING CHARGES (OTHER THAN PLS RS. 120/- OR EQUIVALENT IN OTHER CURRENCIES
SAVINGS, ASAAN CURRENT & SAVING ACCOUNTS
(20610, 20615, 20616, 20305, 20628))

21. ACCOUNT MAINTENANCE CERTIFICATE RS.300/- PER CERTIFICATE

22. BALANCE CONFIRMATION CERTIFICATE RS.250/- PER CERTIFICATE

23. OLD RECORD INFORMATION CHARGES RS. 500/- PER TRANSACTION

24. CREDIT WORTHINESS REPORT RS. 300/- PER REPORT

25. ISSUANCE OF CHEQUE BOOK AGAINST FORM “B” RS.300/-

IN CASE OF LOST CHEQUE BOOK

26. NON COLLECTION OF CHEQUE BOOK WITHIN 40 RS. 300/- PER CHEQUE BOOK
DAYS EXCEPT IF CHEQUE BOOK ISSUANCE CHARGES
ALREADY RECOVERED FROM CUSTOMER

27. HOLD MAIL CHARGES RS. 1000/- PER ANNUM

28. CHARGES FOR AVAILING „BANKING SERVICES RS. 2,000/-

THROUGH FAX / SCANNED IMAGE INSTRUCTIONS ONE TIME WHILE REGISTRATION.
VIA EMAIL‟, IF ACCEPTED

29. SPECIALIZED CHEQUE BOOK ISSUANCE CHARGES AT ACTUAL

30. SIRAT AUTO FINANCE THROUGH FIRST HABIB RS. 7,000/- IN FAVOR OF FIRST HABIB MODARABA (FHM)
MODARABA (FHM) – PROCESSING FEE”
HABIB METROPOLITAN BANK Page 20 of 20
SCHEDULE OF CHARGES FROM 01-07-2021 TO 31-12-2021

31. SERVICE CHARGES FOR PROCESSING & CLAIMING 0.5% OF CLAIMED PRIZE MONEY PLUS CIT
OF WINING PRIZE MONEY UPTO RS. 500,000/- CHARGES AT ACTUAL

PLEASE NOTE:
1. ACCOUNTS MAINTAINED BY FOLLOWING WILL BE EXEMPTED FROM LEVY OF SERVICE CHARGES.

a) STUDENTS

b) MUSTAHIQUEEN OF ZAKAT

c) EMPLOYEES OF GOVERNMENT / SEMI GOVERNMENT INSTITUTIONS FOR SALARY AND PENSION PURPOSES INCLUDING
WIDOWS/CHILDREN OF DECEASED EMPLOYEES ELIGIBLE FOR FAMILY PENSION/BENEVOLENT FUND GRANT ETC.

2. CHARGES FOR DEPOSITING FEE/DUES OF EDUCATIONAL INSTITUTIONS IN PAKISTAN

a) NO CHARGES ARE TO BE RECOVERED FOR DEPOSITING THE AMOUNT OF FEE DIRECTLY IN FEE COLLECTION ACCOUNT OF THE
EDUCATIONAL INSTITUTION IN PAKISTAN.

b) CHARGES FOR MAKING DEMAND DRAFT OR ANY OTHER RELATED INSTRUMENT FOR PAYMENT OF FEE / DUES IN FAVOUR OF
EDUCATIONAL INSTITUTIONS. HEC /BOARD ETC IN PAKISTAN NOT TO EXCEED 0.50% OF FEE/DUES OR RS. 25/- PER INSTRUMENT
WHICHEVER IS LESS.

c) ACCOUNTS MAINTAINED BY SCHOOL MANAGEMENT COMMITTEES (SMCs) DULY CONSTITUTED BY EDUCATION DEPARTMENT,
SHALL BE EXEMPTED FROM LEVY OF SERVICES CHARGES FOR NOT MAINTAINING MINIMUM BALANCE REQUIREMENT AND
ACTIVATION CHARGES OF DORMANT ACCOUNTS.

d) NO “PROCESSING FEE” IS TO BE CHARGED FROM PAKISTANI STUDENTS FOR VERIFICATION OF BANK ACCOUNTS / STATEMENTS
AT THE REQUEST OF FOREIGN MISSIONS, EMBASSIES AND HIGH COMMISSIONS.

3. GOVT DUTIES / TAXES AND LEVIES ARE ON CUSTOMER‟S ACCOUNT AND WILL BE CHARGED SEPARATELY.

4. THE ABOVE RATES ARE SUBJECT TO DOWNWARD ADJUSTMENT / WAIVER TAKING INTO ACCOUNT THE BUSINESS
CONSIDERATIONS /COMMITMENTS, WITH THE PRIOR APPROVAL OF THE RESPECTIVE ZONAL HEAD / DIVISIONAL HEAD.