PLS Savings

Profit & Loss Savings Account 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 The PLS Savings Account entitle Account Holder to avail amazing facilities such as: y Chequing Account facility with no limit on a number of transactions y Free Cash Deposit and Withdrawal facilities through your bank branch y Free Clearing facility to deposit cheques of other banks within the city y Online Funds Transfer through Cheques to any account across Pakistan through your bank branch y Online Cash Deposit, Withdrawal and Funds Transfer through cheques from any of our branch across Pakistan y Remittance facilities such as Payment Orders, Demand Draft, Telegraphic Transfers and Free Rupee Travelers Cheque through your bank branch y y y y 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 o

Free 24/7 Online Funds Transfer to any customer of Soneri Bank through ATMs owned by Soneri Bank o 24/7 Online Inter Bank Funds Transfer through ATMs owned by Soneri Bank to any account of increasing list of enabled 1 LINK member banks o Utility Bill Payments through ATM, Internet Banking and Call Centre o Free 24/7 Internet Banking y All purchases and cash withdrawals made with the Soneri Banking Cards is deducted directly from your bank account y Free Cash Withdrawal on ATMs owned by Soneri Bank y Govt. Withholding Tax apply on all cash withdrawals and profit credited into account y Zakat is deductable from Account however Zakat exemption forms are accepted SHARING PROFIT/LOSS: y No minimum balance is required to qualify for profit

Provisional rates are announced on a six monthly basis however profit/loss earned/incurred on PLS Savings Bank 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

y y

Calculation of products on PLS Saving Bank Accounts is computed for each calendar month on the lowest credit balance in an account Profit/loss earned/incurred on PLS Savings Bank Accounts are credited/debited on a six monthly basis within a reasonable time from the date of the close of half-yearly/ yearly books of accounts of the Bank

Provisional Rates ANNUALISED RATES OF EXPECTED PROFIT FOR DIFFERENT TYPES OF PLS DEPOSITS. Effective: 01.July.2011 Period: July- December, 2011 PLS SAVINGS ACCOUNTS y y y y Rate of Return 5.00% p.a. Rs. 5,000/= minimum balance requirement. Regular Chequing Account. Profit paid bi-annually.

SPECIAL NOTICE DEPOSITS Period Rate of Return

7 days 30 days

6.00% p.a 8.00% p.a

Soneri Savings
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. Soneri Savings Bank Account entitles Account Holder to avail amazing facilities such as: y y y y 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

y y y y y y o o o o o o

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 Free 24/7 Online Funds Transfer to any customer of Soneri Bank through ATMs owned by Soneri Bank 24/7 Online Inter Bank Funds Transfer through ATMs owned by Soneri Bank to any account of increasing list of enabled 1 LINK member banks Utility Bill Payments through ATM, Internet Banking and Call Centre Free 24/7 Internet Banking All purchases and cash withdrawals made with the Soneri Visa Debit Cards is deducted directly from your bank account Free Cash Withdrawal on ATMs owned by Soneri Bank Govt. Withholding Tax apply on all cash withdrawals and profit credited into account Zakat is deductable from Account however Zakat exemption forms are accepted 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 Profit on Soneri Savings Accounts is credited on a monthly basis on the provisional rate of Profit Provisional Rates ANNUALISED RATES OF EXPECTED PROFIT FOR DIFFERENT TYPES OF PLS DEPOSITS. Effective: 01.July.2011. Period: July- December, 2011 Minimum balance requirement 5,000/-. Operational facility like Current Accounts without any restriction on amount and number of Cheques. Profit paid on monthly basis on daily products.

o o y y y y y y

y y

y y y

Balance

Rate of Return p.a

Upto Rs. 100,000 Over Rs. 100,000 but upto Rs.1.0 Million

5.00 % 7.00 %

Over Rs. 1.0 Million but upto Rs. 5.0 Million Over Rs. 5.0 Million but upto Rs. 10.0 Million Over Rs. 10.0 Million

8.00 % 9.00 % 10.00%

Term Deposit Account

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. Minimum Deposit Amount:

Automatic renewals
Upon maturity, your deposit is automatically renewed for the same tenor at the prevailing profit rate unless you instruct otherwise.

Pre-matured Encashment
Pre-matured encashment is allowed without any penalty however you will receive profit less than originally contracted.

Running Finance facility

You can use your Term Deposit as collateral to apply for Running Finance facility. y y Govt. Withholding Tax apply on all cash withdrawals over Rs. 25,000/- and profit credited into account Zakat is deductable from Account however Zakat exemption forms are accepted

SHARING PROFIT/LOSS y 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 y Calculation of products on Term Deposit is computed on a daily product basis Provisional Rates ANNUALISED RATES OF EXPECTED PROFIT FOR DIFFERENT TYPES OF PLS DEPOSITS. Effective: 01.July.2011 Period: July- December, 2011

Term Deposits (Profit Payable on Maturity)

Rate of Return p.a

1 month

8.00 %

3 month 6 month 1 year 2 years 3 years

Term Deposits (Profit Payable Periodically) Minimum Deposit Rs. 50,000/= Tenor Monthly Intervals Quarterly Intervals Six Monthly Intervals

8.50 % 9.00 % 12.00 % 12.15 % 12.50 %

Yearly Intervals At Maturity

3 month 6 month 1 year 2 years 3 years

8.44 % 8.84 % 11.39 % 10.93 % 10.66 %

8.50 % 8.90 % 11.49 % 11.03 % 10.76 %

---9.00 % 11.66 % 11.18 % 10.90 %

----12.00 % 11.49 % 11.20 %

------12.15 % 12.50%

Soneri Premium Deposit

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, 000Annualized rate of Return (Provisional): 12.00% p.a. (Discontinued for fresh Deposits Effective: 1-July2011) 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 reinvestment 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.

y y

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.

SHARING PROFIT/LOSS: y 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. y Calculation of profit on Soneri Premium Deposit is computed on a daily product basis.

Diamond Deposit Certificate

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.

Salient features of Soneri Diamond Deposit Certificates

y y y y y Certificates are issued for fixed periods of 1, 2 and 3 years. Annualized Rates of expected Profit: from 11.00 % p.a. to 12.25 % p.a. Profit paid at monthly intervals calculated from date of deposit. Minimum Investment Rs. 25,000/Financing facility upto 90 % of Deposit available.

Provisional Rates
ANNUALISED RATES OF EXPECTED PROFIT FOR DIFFERENT TYPES OF PLS DEPOSITS. Effective: 01.July.2011 Period: July- December, 2011

CERTIFICATES OF DEPOSITS
Term %age

1 Year 2 Years 3 Years

Current Account

11.00% p.a. 11.50% p.a. 12.25% p.a.

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: y Chequing Account facility with no limit on a number of transactions

y y y y y y y y y y y

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: 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 o Free 24-hours Telephone Banking and Call Centre facility o Free 24/7 Online Funds Transfer to any customer of Soneri Bank through ATMs owned by Soneri Bank o 24/7 Online Inter Bank Funds Transfer through ATMs owned by Soneri Bank to any account of increasing list of enabled 1 LINK member banks o Utility Bill Payments through ATM, Internet Banking and Call Centre o Free 24/7 Internet Banking All purchases and cash withdrawals made with the Soneri Banking Cards is deducted directly from your bank account Free Cash Withdrawal on ATMs owned by Soneri Bank Facility of Running Finance can be requested for specific purpose against collaterals and nominal markup rates being charged on quarterly basis Govt. Withholding Tax apply on all cash withdrawals All purchases and cash withdrawals made with the Soneri Visa Debit Cards is deducted directly from your bank account o o o

y y y y

Basic Banking Account

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

y y y y y y y

Soneri Banking Cards for the use of Bank's Electronic Banking Service are issued without charges for one time issuance of the cards. 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. Basic Banking Account holders may also use Soneri Bank's other Electronic Banking Services subject to completion of applicable formalities which shall be subject to applicable Service Charges. Account have -NIL- balances for six consecutive months shall be closed without prior intimation. Statement of Accounts are provided once a calander year at the year end. Individuals who already maintain PLS Saving Accounts/ Current Accounts with Soneri Bank's branches may convert their accounts into Basic Banking Account. Please contact any Soneri Bank branch for further details. Govt. Withholding Tax apply on all cash withdrawals

Ikhtiar Current Account

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. Ikhtiar Current Account entitles account holder to avail amazing facilities such as: y y y y y y y y y y y y y o o 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: ATMs across Pakistan owned by Soneri Bank and other local banks ATMs internationally displaying VISA or plus logo

o o o o

Shopping/purchasing/payments through outlets displaying VISA 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 Free 24/7 Online Funds Transfer to any customer of Soneri Bank through ATMs owned by Soneri Bank or through SoneriDirect (internet Banking) 24/7 Online Inter Bank Funds Transfer through ATMs owned by Soneri Bank or through SoneriDirect (internet Banking) to any account of participating 1 LINK member banks Free Payments of Utility Bills through ATMs owned by Soneri Bank or through SoneriDirect (internet Banking) Free 24/7 Internet Banking No one-time and annual fee on VISA Classic Debit Card All purchases and cash withdrawals made with the VISA Classic Debit is deducted directly from your bank account Free Cash Withdrawal on ATMs owned by Soneri Bank Free SMS Alerts on cash deposits, withdrawals, funds transfers, inward cheque clearing returns and Purchase transactions etc. Facility of Running Finance can be requested for specific purpose against collaterals and nominal markup rates being charged on quarterly basis Govt. Withholding Tax applies on certain transactions

o y y y y y y

Online Banking
On-Line Banking Services are available for all chequing account holder of our Soneri all branches. Services y Cash Payments of cheques drawn on any of our all branches. y Cash Deposits in to customers account maintained at any of our all branches. Government Taxes/Duties y y y y Cash Cheques or Cheques Applicable Government Taxes/duties Under Collection if payable recoverable as per rules to third parties Cash withdrawals 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. Cheques under Collection Proceed of Cheques drawn on our all branches are immediately credited to depositors account subject to fulfillment of other conditions governing payment of cheques. Govt. Taxes as per rules are recoverable on outstation collection cheques.

y y

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 Finance
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. y y y SONERI SARMAYA SCHEME SONERI AASAN SCHEME SONERI TEJARAT SCHEME

We offer Fund & Non Fund Based Facilities. y For fixed Asset Financing y For Working Capital Financing y For Trade Financing Who can avail Fund & Non Fund Based Facilities. y y y y Individuals Proprietorship Partnerships Limited Companies

Why Us Salient Features of SBLs SMEs Products. y Competitive Rates y Tailor made need based Products y Quick Processing Time y Cash Flow Based Lending y Flexible Repayment Period

Where we can Apply Its easy to begin a relationship with SONEI BANK. Simply contact one of our Soneri Bank Ltd Branch located in easy to reach places and ask the Manager/Relationship Staff for details on how to apply for innovative Soneri SME Specific Finance. OR

For further details please call SME Division Phone # (021) 36999937, 36999968 OR Non Stop Banking Centre UAN:111-SONERI (766-374) Toll Free: 080000500 Email: info.sme@soneribank.com Web Site:www.soneribank.com

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. Development 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. Livestock To meet the fixed cost and working capital requirements for cattle farming, cattle feed units, dairy farming, poultry farming; poultry feed units and fish farming. Repayment Period Principal amount of Finance plus mark-up thereon is repayable depending upon nature of business ranging from one to five years. Revolving facility is also available under specific terms. Mark-up Rate y y y y

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%

The following branches are authorized to process the Agriculture Financing.

y Karachi

y y y y y

Lahore Hyderabad Multan Gujranwala Others >>

SYED ISHTIAQ ALI SVP & Head of Agriculture Credit Division Tel. # ((+92) 21) 32458433 Fax # ((+92) 21) 2412526 E.mail address. syed.ishtiaq@soneribank.com Korangi Industrial Area Branch Manager: Khalid Mohiuddin Dir # ((+92) 21) 5113909 Exg #((+92) 21) 5113908
Lockers
Specially designed lockers of various sizes to meet the requirements of applicants are available at our designated branches. The lockers may be operated during the banking hours of the branch. ELIGBILITY Only Account holders of our branches are eligible to apply for renting the Safe Deposit Lockers. ALLOTMENT OF LOCKERS y y y A locker of the size of applicants choice shall be allotted subject to its availability. Banks prescribed License Agreement on Stamped Paper to rent the Locker is required to be executed by the applicant with cost thereof payable by the applicant. Key Deposit money as per our Schedule of Charges in force is payable by the renter. The Key Deposit is refundable when the locker is surrendered. In case the key to the locker is lost, the key deposit shall be forfeited. ANNUAL FEES/RENT LOCKER y y All fees for lockers (For details please refer to our Schedule of Charges posted on our web site www.soneribank.com) are payable in advance for the coming year. Fee for the locker for subsequent year shall be automatically debited to the locker renters account on its next renewal dates. It is the sole responsibility of locker renter to make available sufficient balance in the account for recovery of annual rents. Where locker holders account reflect insufficient balance on the due dates of lockers fees/rent operation on the locker shall be allowed once the outstanding fee/rent has been paid.

In the event of persistent default in payment of locker fee/rent the bank reserve the right to break open the locker in terms of the terms and conditions governing renting of lockers.

KEY LOST BY LOCKER y In the event a locker holder reports loss of locker key, it must be done in writing by him with request to change the lock by break opening the locker which shall be carried out in the locker renters presence. Breaking and lock replacement charges are recoverable from the renter.

Soneri Car Finance

Purpose of Finance y y y y y y y y y y y y y Purchase of brand new: Un-registered cars for private use. Un-registered light commercial vehicles for private use. Eligible Borrowers* Salaried Persons Self Employed Professionals Business Persons Financing Amount For Cars upto 2000 CC: Rs. 1.0 Million For Cars exceeding 2000 CC: Rs. 2.0 Million Down Payment On finance upto Rs. 1.0 M: Minimum 15% of the vehicle price. On finance over Rs. 1.0 M: Minimum 20% of the vehicle price. Tenure Maximum repayment period is 5 years Mark-up Rate ** 1 year KIBOR + 4% p.a., to be revised on each anniversary of finance. Processing Fee Rs. 3000/- per approved application. Service Length

Minimum 2 years of confirmed service with present employer in case of Salaried Person. Age At the time of Application for finance applicants age must not be more than; y 55 years in case of Salaried Persons y 60 years in case of Self Employed / Business Persons Debt Burden y Monthly repayment installments not to exceed 40% of the net take home salary or 40% of declared monthly income (taking into account other financing facilities availed from other Banks/DFIs). Pre-Payment Penalty 2% pre-payment penalty on outstanding principal amount of finance being pre-paid. Late Payment Charges

Rs. 500/- per installment per month. Insurance of Cars / Motor Vehicles y Cars / Motor Vehicles financed are to be comprehensively insured with any of the Insurance Companies y listed on the approved panel of Soneri Bank. y Insurance Premium is payable up-front for each year during the life of the loan. Charges y Documentation Charges at actual. y Income Estimation Charges (if applicable). * ** Subject to fulfillment of our eligibility criteria. Subject to change and revised rates to be communicated from time to time.

For further details please call: Consumer Finance Division # 111-567-890 ext 2435.

Soneri Ghar Finance

Purpose y y y y y y y y y y y y y y y y y Purchase / Construction of Property for self-occupancy. Extension / Renovation on self occupied residential Property. Product Categories Purchase of pre-constructed Residential Property. Construction of residential property on self owned plot of land. Extension / Renovation on self owned & occupied property. Balance Transfer Facility (BTF) for any of the above finance. Eligible Borrowers* Salaried Persons Self Employed Professionals Business Persons Financing Amount Purchase: Rs.Up to 10 Million Construction: Rs.Up to 10 Million Extension / Renovation: Rs.Up to 03 Million Balance Transfer Facility: Rs.Up to 10 Million Tenure Purchase: Up to 20 Years Construction: Up to 20 Years Extension / Renovation: Up to 07 Years Balance Transfer Facility: Up to 20 Years (Calculated from the date of original finance) Mark-up Rates** 1 Year KIBOR + 4% p.a., to be revised on each anniversary of finance. Processing Fee 0.5% of Finance Amount Min. Rs. of 2,500/=

y y

Service Length y Minimum 5 years of confirmed service with present employer in case of salaried persons. Age

At the time of maturity of the Finance applicant's age must not be more than; y 60 years in case of Salaried persons y 65 years in case of self Employed / Business persons Debt Burden y Monthly repayment installments not to exceed 40% of the net take home salary or 40% of declared monthly income (taking into account other financing facilities availed from other banks/DFIs). Moratorium A moratorium of 12 months is allowed in case of finance for Construction. Pre-Payment Charges 2% of the outstanding amount being prepaid. Late Payment Charges Rs. 500/- per Installment per month. Insurance Mortgage Protection Insurance cover through Banks designated Insurance Company. Insurance premium on the insurance cover payable upfront each year. Charges Documentation Charges at actual Valuation Charges Legal Opinion Charges Income Estimation Charges (if applicable) * ** Subject to fulfillment of our eligibility criteria. Subject to change and revised rates to be communicated from time to time.

y y y y y y y y y

Soneri Personal Finance

Purpose of Finance y y y y y y To meet medical expenses for self or dependants of applicants To meet educational expenses of applicants children. To meet travel expenses for self and family members. To meet renovation expenses of self owned residential property. To meet advance rent payment for rented residential property occupied by the applicants. To meet domestic needs. Product Categories Type Maximum Financing***

Clean Financing Balance Transfer Facility (BTF)

Eligible Borrowers*

Upto Rs. 0.5 Million Upto Rs. 0.5 Million

y y y

Salaried Persons Self Employed Professionals Business Persons Tenure

Maximum repayment period of 5 years. Mark-up Rate**

1 Year KIBOR + 8% p.a., to be revised on each anniversary of finance. Processing Fee

No Processing Fee. Service Length

y y y

Minimum 2 years of confirmed service with present employer in case of Salaried Person. Minimum 1 year of practice by Self Employed Professionals. Minimum 2 years of business association by Business Persons. Age At the time of maturity of the finance applicants age must not be more than; 60 years in case of Salaried persons 65 years in case of Self Employed / Business persons Debt Burden

y y

Monthly repayment installments not to exceed 40% of the net take home salary or 40% of declared monthly income (taking into account other financing facilities availed from other Banks/DFIs). Pre-Payment Charges

5% of the outstanding amount being prepaid. Late Payment Charges

Rs. 500/- per installment per month. Personal Loan Insurance

Amount of Finance insured against life of borrowers, free of cost. Charges

y y

Documentation Charges at actual. Income Estimation Charges (if applicable).

* **

Subject to fulfillment of our eligibility criteria. Subject to change and revised rates to be communicated from time to time.

*** The total amount availed from other Banks / DFIs should not exceed the total clean finance exposure.

Soneri Generator Finance

Purpose of Finance For purchase of brand new Electric Power Generator to be installed at residential / commercial / industrial property owned by the borrower. Eligible Borrowers* y Salaried Persons y y y y y y Self Employed Professionals Business Persons Financing Amount Minimum Amount of Finance: Maximum Amount of Finance: Down Payment Rs. 0.1 Million upto Rs. 1.0 Million

A minimum of 20% of price of the Generator (as per Quotation / Invoice) being financed shall be paid by the borrower Tenure y Maximum repayment period is 3 years Mark-up Rate ** y y y 1 Year KIBOR + 4% p.a., to be revised on each anniversary of finance. Processing Fee Rs. 2000/- per approved application. Service Length Minimum 1 year of confirmed service with present employer in case of Salaried Person. Age At the time of Application for finance applicants age must not be more than; 57 years in case of Salaried Persons 60 years in case of Self Employed / Business Persons Debt Burden Monthly repayment installments not to exceed 40% of the net take home salary or 40% of declared monthly income (taking into account other financing facilities availed from other Banks/DFIs). Pre-Payment Penalty

y y y

No prepayment penalty Late Payment Charges y Rs. 500/- per installment per month Insurance of Generator y y Insurance Premium is payable up-front for each year during the life of the loan. Charges y y Documentation Charges at actual. Income Estimation Charges (if applicable).

* Subject to fulfillment of our eligibility criteria. ** Subject to change and revised rates to be communicated from time to time.

Internet Banking
You can Pay Utility Bills, Transfer Funds, and access your Account information Anywhere Round-theclock through SoneriDirect Internet Banking. Features : y y y y y 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) Fund Transfer : y y Transfer funds to any Soneri bank account Transfer funds to any 1-LINK participating member banks account Bill Payment : y y y Telecom/Mobile : Ufone, Warid, Telenor (Post Paid, prepaid) Electricity : KESC, LESCO, GEPCO GAS : SSGC,SNGPL History : View history of your Soneri Internet Banking activities using History Menu (for the requests sent using Internet Banking Only) It includes: Funds Transfer History Bill Payment History Login History Upcoming Attractions : y y Cheque Book Request Physical Account Statement Request

y y y

Cheque Free Banking

y y y y No Cheque book 300,000/ Per day Time Saving No Signature required

No charges Can be used at POS Terminal deployed branches

At present, our cardholders (ATM/Debit Cards and Soneri Banking Cards) may withdraw cash through use of their cards at ATM of 1-Link Switch and M.Net Switch member banks. However due to constraints on Cash Dispensing capacity of ATMs, Soneri Banking Card holders may draw only up to Rs. 25000/- per day from ATMs. Recognizing the fact that our customers do not always carry with them the cheque books issued to them for operation on their account and that they may need to withdraw cash in excess of the per day withdrawal limit for ATMs, Soneri Bank has introduced CHEQUE FREE BANKING whereby our cards holders may withdraw cash up to a maximum of Rs.300, 000/- per day through use of their cards at Point of Sale Terminals installed at our designated branches. Eligibility: If you are having Soneri Banking Card, if you are maintaining a Soneri Bank PKR Current or Savings account Single or Joint account with either signatory authorized to operate the account, a further supplementary card can also be issued to the second account holder. All Soneri Banking Card holders use debit card facility. Service Availability: CHEQUE FREE BANKING is available at branches equipped with point of sale (POS) Terminals offering the following services during the counter hours on real time basis:Balance Enquiry: The POS Terminal may also be used for Balance Enquiry of accounts linked to the card. Cash Withdrawals: CHEQUE FREE BANKING shall be made available through POS Terminal installed at dedicated cash counters at branches manned by a cashier.