Statement Date 16-Aug-2019 Billing Period July 15, 2019 till August 16, 2019

Customer's Name SYED RAIS AZAM Re-Payment Account 0015-2007055253

Principal Account 0015-2007055016 Total Credit Limit 100,000.00 Line Renewal Date 26-Sep-2019

Minimum Payment Due 3,943.55 Overdue Amount 0.00 Due Date 30-Aug-2019

Last Payment Received Date 23-Jul-2019 Last Amount Paid 3,505.00

Principal 1,498.87 Markup 2,444.68 Insurance 0.00

Fee & Other Charges 0.00 Available Credit Limit 76

Date Transaction Details Amount in PKR Closing Balance

15-Jul-2019 Opening Balance 88,089.32Dr

23-Jul-2019 ATM Cash Withdrawal 10,000.00 Dr 98,089.32 Dr
23-Jul-2019 Principal - Repayment 1,321.34 Cr 96,767.98 Dr
23-Jul-2019 Swap Principal Exchange 3.57 Cr 96,764.41 Dr
25-Jul-2019 SERVICE CHARGES 125.00 Dr 96,889.41 Dr
27-Jul-2019 SERVICE CHARGES 16.25 Dr 96,905.66 Dr
02-Aug-2019 ATM Cash Withdrawal 18.75 Dr 96,924.41 Dr
02-Aug-2019 ATM Cash Withdrawal 3,000.00 Dr 99,924.41 Dr
16-Aug-2019 Closing Balance 99,924.41 Dr

Please detach along perforated line & return this portion along with your payment.

3,943.55

0015-2007055253
30-Aug-2019

SYED RAIS AZAM

HOUSE NO 225 D SADAT COLONY UNIT

NO 9 LATIFABAD USMANIA MASJID
HYDERABAD

03212849249/03212849249

0015-RC000339 / 0015-RC000339023
 Thank you for choosing Silkbank Ready Line Facility. You are our esteemed customer and we strive to ensure a smooth and
delighted experience for you. Kindly take care of the following important notes with regards to your monthly activity and payments:

Monthly Statement IBFT through ATM

Kindly examine your Ready Line statement carefully . In case of any
discrepancy, please inform the Bank immediately . In case of any disputes,
the final settlement will be according to the Bank's internal rules and
regulations and the authenticity of the evidence .
Your mark-up is due as of the date given on the billing statement . For your
convenience, Silkbank Ready Line gives you the flexibility to make minimum
due payment within 15 days of the statement date. In case, if no payment is
received within the aforementioned timeline , the Bank reserves the right to
send a representative for collecting the outstanding amount .
Minimum Monthly Payment
You are required to pay at least your minimum monthly payment by the due
date in order to avoid Late Payment Charges (LPC). Kindly pay your
monthly dues in your re-payment account to avoid delinquency .
Your minimum monthly payment comprises the following items:
• 1.5% principal of the utilized amount
• Mark-up as calculated on daily basis on utilization
• Other charges (if any)
• Credit protector
• Overdue amount (if any)
Mark-up Calculation
Mark-up is calculated on the daily outstanding balance and becomes
due in full by the date specified on the statement .
Mark-up can be calculated as per follows:
Markup paid for the period x 360 x 100
Outstanding Principal Amount Utilized No. of days
You can transfer up to Rs. 250,000 per day using IBFT facility through ATM
of any bank on our network to any account . A fee of Rs. 50 or else 0.1% of
transferred amount (whichever is higher) will be charged in addition to FED.
SilkDirect Internet Banking
You can pay and transfer up to Rs . 250,000 per day using Silkbank direct
internet banking . The transfer can be made in your line account or else in
your re-payment account or even to any third party account for instant
realization of funds for immediate effect . A charge of Rs. 50 or else 0.1% of
amount (whichever is higher) will be levied along with FED . Please
remember that monthly bill due is to be paid in re-payment account. Else,
you will be charged LPC.
Payment through Cheque
Please write your cheque in favour of your Silkbank Ready Line re-payment
account and cross it “A/c Payee Only” . You can submit the cheque in any of
Silkbank Branches or else drop it in our dropboxes available in the
branches. Kindly ensure that you place your cheque at least 3 working days
before the due date and 5 working days for outstation cheques to avoid
Late Payment Charges (LPC).
Payment through Cash
Please fill out the deposit slip in favour of your Ready Line re-payment
account with at least the minimum payment amount as appearing on your
bill at any of our Silkbank Branches . Kindly note that the regular Branch
Banking Charges will be applied as mentioned in SOC. Any extra amount
after knocking off your dues will be transferred back in your line account .

How to operate Additional Information

You can operate your Silkbank Ready Line account through ATM On renewal of your Ready Line facility , a fee will be applicable as per the
Chequebook, SilkDirect Internet Banking and SilkMobile Mobile Silkbank Schedule of Charges .
Banking. Your account can also be used to make payments through
Demand Drafts/Pay Orders . In case you want to terminate your Ready Line facility, kindly submit ther
termination request along with copy of CNIC, cut Debit Card and cut
chequebook to one of the below Regional Asset Help Desks :
Modes of Payment
You can pay your bill through any of the following means :
• 52-L, Gulberg III, Kalma Chowk, Lahore.
• Through Inter-Bank Funds Transfer (IBFT) using ATM, Internet • 2nd Floor, Hussain Centre, Shahrah-e Faisal, Karachi.
Banking, Mobile Banking , including our *partner banks and get • 13-L, F7 Markaz, Islamabad
the same day credit
• Through crossed cheque and get the credit on realization of In case of any information or queries, please dial Silkbank Call Centre
cheque 111-100-777

• Through Cash
* Partner banks include Allied Bank , Askari Bank, Bank Al-Habib,
Bank Alfalah, Bank Islami, Bank of Punjab , Dawood Islamic
Bank,
Faysal Bank, Habib Bank, JS Bank, KASB Bank, NIB Bank, Soneri
Bank, SCB, Summit Bank, Tameer Microfinance Bank and UBL.
. Through cash