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    Amber Tajwer
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    Pk Tc Booklet

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    © All Rights Reserved
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    8 views38 pages

    PK TC Booklet

    Uploaded by

    Amber Tajwer

    Copyright:

    © All Rights Reserved
    Download as PDF or read online from Scribd
    Flag for inappropriate content
    of 38
    “The requeat forthe product mentioned hereinabove Bank's policies ‘The request for the product mentioned hereinabove is subject tothe credit card application being approved up tothe lit ofthe product purchase price +I the creditcard gets approved there wil be a transaction posted on the credit card prior othe credit card activation upto the purchase price ofthe product indicted in this application form 1 Ine credit care gets approved then the cardmeribar vil be lable pay the monthly Al instalments which will appear in the creditcard bil statement against the product purchased hereinabove + If the cardmember does not pay the morthly Al biled on the credit card statement, then he she willbe liable to pay al applicable charges as per tie Bark’s Schedule of Charges, + Ifthe creditcard does not get approved or the limit does not get approved upto the purchase price ofthe product, ‘then the cardmember wil not receve the product mentioned hereinabove. However, the mit is approved, the cient \wit receive an approved card with a imit to be utised otherwise. + IT tye cardrember has requested for multiple Al products ni her preferences and the lit approved does not have sufficient room forthe purchase price ofall roducts, then the cardmember shall receive the products as per his/her {ist preferences and other products shall not be recsivec ‘The Baance Transfer tacit wil only be dispatcnod to the carcmember’s bank ater al irteral processing is complete, therefore the cents must keep track of ther outstanding payments withthe other banks for atleast 20 days after the ‘submission of the application ‘All prices mentioned against the products are in PKR and the images ofthe products are indicative only. The actual product may vary n colour, design or specications + Based on the acceptance ofthe Al insiructions the AI monthiy instalment shall be billed to the cardmember starting ‘rom the statement folowing the next crect cars statement aftr tha cate of purchase and every month thereafter Una ‘re tla Al Pricey vena spa TU + Incase of avaling the Al facity the Minimum Amount Due onthe credit card statement shal include but isnot limited {alloulstanding leis and olher amounts plus he Al monthly irstalmenl(S) and ary excess amounts over the cred Imit and all past due amounts rary 1 The cardmamber may request for changing the peri of the Altransaction. The Bank may acoepl the instructions and ‘may agree tothe same, subject tothe payment of fee, payable by the carcimember for processing and accepting the Inethictions to reduce the month instalmerts ‘The carcmember may be alowed to repay the outstanding Al amount in one lump sum payment subjctto the payment ‘of propayment charges to the Bank as defind in ie SOC + In.case o eal closure of istaiment plan, th clent's Al pian wil be cancelled, however, the cardmembers crcit card \wil remain active and regular monthly bling wil continue. Carémember wil be required to eubrnt a separate request {or closure cancellation o his! ner erect card + In.case the cardmember terminates the card, the Al transaction is terminated automaticaly and the cardmember is lable to pay the remaining’ outstanding monthy instalments immedatly along wih the prepayment charges upon receipt ofthe creditcard staternent «The Blank may cancel or not renew the cardmember's cred card without assigning any reason, In such a.case, the Al transaction is terminated automaticaly and the cardmember is lable to pay the remaining? outstanding monthly instalments immediately along withthe prepayment charges upon recaipt of the Credit Card statement, ‘The Bank reserves the nght to cisqualy any carcmember rom further parcfpatio, nits judgerent, the cardmember has in any way violated the AI Terms & Conditions and/or any reason thatthe Bank deem ft without assigning any reason viatsoever ‘The Bank shall not be lable for any damage o loss incurred by the cardmember arising out ofthe purchase, instalation, se or otherwise of the goods) and/or service(s) under Al nether for any negligence, braach of statutory or other Oty (on pat ofthe Bank nor shal the Bank be responsibie in any way forthe condiion and quaify ofthe goods) and or service's) purchased under Al or otherwise. Any complaint as tothe quality cf goods purchased of services rendered ‘Bough AV shal be refered drocily bythe caramamber to tre Supolor or erchart and shall not affect caramembars ‘obligation to Continue paying the AI monthly fstalment to the Bank + Acy dalvery charges wil be charged and will proceed to the vendor of Al products. The Bank does not charge any delvery charges + Delivery ofthe product would be subject to availabilty of stock + Standard Chartered Bank (Pakistan Linited is not responsible forthe products specication and quality as displayed * Brees ofthe products are subject to change. Ary increase n price wil be cormmnicated atthe time of booking * Offers are val only forthe products displayed * Offers are vai fra limited time oni I'you are aeady an Emirates Skywards member, t's your responsibly To enter your exlstng membership number on this applicaton. Please note the Emirates Skywards membership number you give us must be for an Emirates ‘Skywards account in your name. if you have any addtional card members on your ead account, any Skywards Miles ‘they eam by spending on thet cards wil iso be credited to your Emirates Skywards account Please note Emrates Standard Charred lnrite Credit cardholders wl be anrolec/ upgraded to Emirates Siywards Silver membership within three weeks from card application approval + For intomet banking ennoblement from back offs need to be allowed only for NRA and FOY accounts, other ‘customers need to be registered through Visa Deolt and Crecit Care 1 SMS alert facity wil pot be avalable on intsmational nursbers + Hfenvoled for statements, physical statements willbe suppressed subject to the credit eard appization Being approved eo per the tint hPa SPM Aa heli LV gall PVE Eee BBN BAL 5 Saf PEGA EAS MSM fare ne Baby bal at aber Pichasbasen Paggsp Serer wh WiitieS iP be debe Myvi Beser dul + hone ator ste finer i hiesdisE s0fifee Vbartbsabasal LD ut te ly AGL ANSE + baP tater betel in Aaslea par feewsindecn binant + Lonteraichatis SM DAie TarbaSbntenbbrsldt + (Pbipbaihrgeles Ladera deny PLL ven iine BitersFifa toh May Lagu SE ub Awiag tig Adalat eS hy Obie CRIMI Manteno Rin setmipR RA + UP EOE AA Read Ae PIECE Gro PAL as aPacogerbn + Sisal cana ri had L tig CIDA SAAL Ae ae De PL BAP DASE + heen Sand pn Gatutas Ghutabe nt Pant Hvab dst tans athe elere naMlidy bE inter SS lin Sia BEAD ABIGIOE AL © LES + “e658 Soba pers tlt te eel Mihi Sin SH MPS a ip SIL aie Taber Siro WiA BE EL ML ef pet Le ele iL bien ntater 9G Oemcho Geraint sfKE bps be Mah Se uiasnonfEnfureiateign i Ata raryce cere nL iMod KS ie plats wt ESL ote L Coe IIR tM hai Lain serene! se tstipnase Mig Laer pein Sub LA WE Ee ama pW amtsiste rb Paark baaritgetin ty Ue suai dn od Korfbetkagstti Sosy 2h ug fungpihng Bett Wag dBId Lib veai tito Belg WAL YPAL EP LaDrdni bE LONE Mes orgin Sat Le sire LEC NRA IAP Soule Si pee encriT ae a6 Siti d Lin seuly Att LL aby PP chat ca SVb nL ne ched Fhe LM cial ee SLT lont tthe basis AL signing below ths declaration, we request you to open my/our Local Foreign Curency Account isu Credit Clee aue Lana’ ena to Gancassarace pccls wit Slancard Gratree bank Paka} anes Paks Ve contr tat +1 trey nd nd tn te ad cen nh ey gorge Lc Fat ey any Sta Sn eh Re bat et a » FACTS ASRUT ca seca ay ee onan cen te tro wt Kea aay aS Brag SS eas oes Sno Sar SSS MER teat «Fin Sot STS yt rcpt of nr pring ost Pe owen eee eae ey ea Us year nese Te ee ce de sey og aa nent eer oe bya shart oraiuatinandscte nara tice skate acme aah 2 sgamonane oo = Tih ii tana can ene yaa alae crompane or nrarane iy ee ee ene et re ee esr are seule im (as ace ee Martecinee acter wert renee ity lt fel at ath pn ry cobun ovata seas ea er ree PL yan oe ree «Titcted dle Ma enya ape em eat ig yen ae ee ee ey ee ee tS Select ican — «TRE Bay signet nc eg cr Vn ig ry arse les sy a2 es eam «RS Pe pe Nn nn tig ry sree ny cre acta Sad Soc tects et ea anal oben ~ TOE ee i Seis ye ol an gi etn ‘eat urea to ena ran incl Bae Woes na Seema eter! FACE pa ncn ap aca tn hoping thy mS er Seen ee ae near ae eT soot «Fan ot evo ett SPL cay i cn epee ee et taco oan ees TRE zSpon ae Sr an ha ste en arse ena alot ers Gane Sine gutter i! os oes ue «aera ee Fe ae Seo laced inant coc anv ig ase tree eee yet «Hiy/arfen Minamata nat dat tae ot Bes Vote pony one Sine rin ie rhs ono wn «Tn eae a ee a a cl a a ta Shee Ss a a ok cerry Oe ney ete al iy ae Se Se es et tec IO SR Sete Ma ea sain ty 8 ay aces Sain oy ba a he rayne SES OE LN Ome oy eee Hl Fars ees as seuss na in nos a et eta Soe p's es Sd Sy Spctanaye sre area” Sv ar caesar eos sara Oe oe ‘Bandon ah Sits topo ate tate Sin. ny Saar eS pe Seat dren en ese oy Se ica a ae Sear Dera shana ao mien ihont casts kar suite coche nce TR We TESS CSREES neal bl phe oy ne kl rc nica teirci acc eran Nach Rca ae genase betta race ae Ey Soh ae seca rein apna ns rl 3 ho ta eral Wey Se Sr ee eee Oe oa a ea anf ‘+ V We hereby agres that by signing on the back of the card andy or by using the card l/ we will signify my/ our agreement ISAT OLRE SEs ind aa he be es ge 0 is Sect Tal be chiapas euteiches eer By Ghee ncaa a Osan oy deste gece ve Saat hei ner fa tay lea ass aed EE aa es ye it eg ee ce Gate i vs ies nase ein ere ear. ts eae rhs Sle yc nes nat sre rate toa tre yy oy cesta aera Se Or Se Ota a St SS SONS see Smee nrmes eeicile FRE eae SS Se er a Pe) retain stn ces Paar en eee aoa CSP ry NEI Er ue Ae eco Byars SSP teedsnanie on pera taeran * We am’ are maintaining the above mentioned account withthe Benk, Please open the following new account under the master number and ttle. Al documents provided to the Bank, including specmen signatures and operating Instructions, in connection with my/ our exsing accounts undor above mentioned master number wil be deamed 10 De avaliable and appied fo tis accourt + V Wie authorise the Bank to renew my/ our Credit Card & Revolving Credit facity on an annul basis, subject to ‘eating criteria defined under Bank’s poicies, + Wie understand that my our Istaiment Due Date wil fall ether on the {st, 10th o 20th of every calendar month ‘depending on the Loan cisbursal date. Moreover, exact date will be communicated i repayment schedule ‘accorangy + Ve agree that by applying forthe Emirates Standard Chartered credt card, my/our folowing personal information \yilbe stared with Emirates Aifine to create’ lnk my Emirates Skywards membership with Emirates. ‘Standard Chartered credit oar, ‘Skywards Membership Numbor Tile, Gender, Fist Name, Mite Name, Last Name, Dato of Birth, Address/ PO. Box, ‘Tower Git, Post Code’ Zip Code, Country Cade, Teleshone Number, Ena Adcress, Mobi Telephone Number + V We hereby agree that Standard Chartered Bank (Pakistan) Limited wil not be lable forthe services oferad by Emirates Siywards + V We agroe that for Emirates Standard Chartered infinite Credit Card, my/our Emirates Skywards Siver memberships ‘willbe valid for one yaar and wil orl be renawed I/We meet the required criteria eet by Emirates Skywards. In cae, 1 we do not moet the ertria for renewal of Emirates Skywards Siver membership, l/ we will be downgraded 10 Emirates Skyward Blue membership fram there on ‘Declaration by the Supplementary Card member: By Sgring below I we agree to be bound by the terms and coneitions ofthe card members agreement and the card ‘member declaration stated above. V We acknowiedge and guarentee that the principal card holder/ member is espons:bie forthe payment of charges and Fables biled by you in the card members statement of account relating {eo Grargos accountabie to the use of mi our supplomortary car. “fe ani haste right to clove the accounts) of fs customers) To transactions are noticed aver a period of 6 months DREAMPACK + Tamms and concitons pertaining to each produc in the DREAMPACK remain the same ‘Where applicable, ony frst 20 leaf cheque book's for rea, * Incase, where one of te products in your chosen DREAMPACK is dectined due to ary reason, you will stl receive the ‘ter products mentioned in that DREAMPACK under the same terms and conditions + eank reserves the right to approve or reject any product from the bundle without assigning any reason Ready Gash: + Loan Arnount/ Gre Limit in Personal Finance Fasiity and Revolving Crect willbe as por Bark’ intemal policy + lank esorves the ight to approve of roject any product rom the burda witout aesighing ary reason * Viaiver of Annual Fee on Revolving Credits forthe fst year ony * VWe hereby agree and understand that / we wal nt be so 10 vail DREAMPACK Ready Cash Bundle Facity iV we {do not meet Bank's requisite criteria fr Revolving Crit or Personal Finance Facilty Products and confi that / we: ‘hall no: hold the Blank ors officers responsible and shal indermnfy the Bark anc is offcers aganst all actions, losses, babies of whatscever nature + We understand that in case my/ our apolication for Revolving Cred is aporoved, funds wil be made accessioie ‘rough the last active ATIW Debt card inked withthe account rumber proved in this application form * Wve understand that IV we nave a valid checking aecoune with Standard Chartered Bank (Pakista’) Limited, XTRA, MILE account wil rot be openes Bank Statement + Account holders having a closing balance equal fo or exceeding PKR 10,000 wil be sent account statements ee of charge b-annualy. + Account holders having a cosing belance less than PKR 10,000 wll be sent account statements ree of charge a least ‘once a yea. «+ Paper statements willbe suppressed, i Statements are active Electronic Services +The electronic services wil be subject to applicable changes as per the Bank's Schedule of Charges (SO), which are revised from time to time, Please ensure that you have provided mobile number and email address if you nave equested ervolmant for SMS Alerts, Onlne Banking and eStaterent +1 le would ike to give m/ our consent for eStalernent instead! of paper statement for my/ our Hank aocount and rect Card. Dormant and Unclaimed Accounts: Dorman inoperative Acoourts, mean the account which no transaction Nas taken place fr the lst one year. For rmacaton of the Dormant account cantorer shal rode writen requ for removal of dormancy sora with = Sopooning ently (CNIC]Passpon SAIC Socument dy atone’ Orginal ssn by thebank fea CCurrent/ Savings/ Term Account: incase the account remains inoperative fora period of ten years, the Depost/ Instrument present inthe sald account be considered as unclaimed and wil be surrendered to Stata Bank of Pakistan Inaccordance withthe Banking Companies Ordinance, 1962 as well as the provsions of State Bank of Pakistan Crcular to banks dated 21/7/2006 BPD No.7 We hereby acknowedge that in such creumstances, the Bank wil be sending a writen notice by registered post to "my our last krown adress by the Bank as it appears in its books and should the accounts) remain unclaimed fr three ‘months folowing the notice, then the depose) instruments) shal be surrendered to State Bank of Pakistan without further communication or responsiblity from the Bank. Dormancy Removal “ V We authorise the Bank to perform one time debit and credit 1.00 unit of cueney {PKR USD/ GBP/ EURY JPY) transaction from my/ our mentioned accounts) (subject to availabilty of clear funds), es V we woul like to operate the ssecouni(s) for Banking actives’ transactions, V We confrrn and agree that ifthe personel information in my! our ‘mentioned dormant accouni() is diferent from the information provided in this frm, the Bank s requested to update the information as provided inthis form on my/our dmant accounts) accordingly Regular Savings Plan Al Gocuments provided tothe Hank including the specmen sighature and operating instructions or accounts under the stated master number willbe applicable. Account opening tems and conditions will apply. Secondary Account Al documents provided tothe Bank including the spacmen signatures and operating instructions for accounts under the stated master number wil be applicable. Please link both the accounts to my/ our VISA Debit Card. Debit Card: Incase ne name I provide, st 19 characters ofthe account tie wil be embossed on the card. Exempted Account * The exemption is for minimum balance! account maintenance charges. Govt. taxes, dues, levies, zakat et. shall be applicable along wit all service related charges (which wl be as per SOC). ™ Includes widows children of decsased employees elaible fr family pensior/ benevolent furd grant and students/ ‘employees of Gaveenmert, Semi Government instittes for salary/ pension purposes. Indornnity and Liability "The Bankai use its best endeavours to provide err free operation ofthe account and the services tots customers. Notwithstanding the same, the customer hereby confirms that the Bank shall not be Hable for and indemnifes and agrees to hold harmiess the Bank and its respective officers, directors, employees and representatives, agents and contractors from and against any and all losses, damages, liablites, payments and obligations and all expenses (jcuding without limitation reasonable legal cost) ncured, suffered, sustained or requied fo be paid, rectly by, of Sought to be imposed upon the Bank, arising out of, inter ala, my/ our mobile phone number or my/our mobile phone SIM is misused by ary person unauthorsely and resulting in suffering of financial ass or fraud by mal us fr which Bank shall not be hed lable for any expense, claim, loss o damage arising out of orn connection with this agreement”. Credit + Debit Card By applying fora cred debit card, | am consenting on its erablement on ATMs, POS machines, international and owas Important Information for Self Certification applicable to tax requirements + You acknowledge that the infomation You have given usin connection with tis appication and ary related reportable ‘accounts) may be provided, dectly of increct, to any relevant tax authorty, neuding the tax authoties ofthe ‘country in which tis accourd() is’ are maintaned and exchanged with tax authortes of another country or counties Inwhich You may be resident for tax purposes pursuant to lateral or mutlateral agreements between governments to exchange financial account information. + You certify that You are the Account Helder or are authorised to sign forthe Account Holder of allof the accounts) to which tis Form relatos. + You undertake to notify us and submit suitably undated ferm within 20 days of any change in excumetances which affects Your tax residence status or where any information contained herein becomes incomect By signing below, V we agree to be bound by the tarms and conditions ofthe products. U We am are applying forthe declaration stated above, Bel ht Pog DA MDE SNL AMP OL SIRE GEL IL! Bh gg PB BICEPS IRS IM PWNS LTAA Dall a EU Nhnre PAL AL AE Ue PE Fig? ALIS rs ici Syste inLih fed Amt iiple Labek pM lig bene ae oeDPpS oben eSB tah ie SoM coh LADy Sal Pg PKL al PA ed Point BG en eeslseind Moe aphe (SMA chia oh a oerng isi Pedal elites eh Sctant AY Bancihesrre Ses Ph G EHP aid Satay he te atessong Oot noni mpage Llib ip percivow sii Lonihsacin? Aan hbaiele PRG pte Sten AL te benph Spe nlite tol Wl, Lut Lega lebotntys fisyS dl LB rdBy ZL Leis ID ae BEAM PE Pep AL pre al ate nohnBe tier ince ik eronereyorre nk eftarn Olid ght. edivintutteeLSerS tenth witiulben Lil Prcoins la lutlsrcrsae St bihple Laine gehe wt iL ele tl fpes le tpt Die Pat BIC were hte Sam te td Sts Mo il Skt aihbnlicenscntastaidilbadipesidine abla Niece PAR LAL fit tm MBL stb Seta A kon Ce nilie Auhird Fer odct shone il eh Manip MiophtebaSivi nt higine.conduah one uaeuvelseentanet se Seek fe ortaey' Atl ipltasla es Dba Sci bigife) AVS AEP AE eh albert EL AH SL sar phe oncnro nt Meo ad SA irintebSodiiee sol eubelbense bro ena iblbee genase st Set a Si actin RNA RSIEE AI Rie Se 8A Lee NFHS DOVE BATE LADT is EWES WAIL Hed WL rth Lyle ee cl ear ASME Rae LIE Ltt faa MEL LICE Pred utr POLE Ld A Aide Ghetto A (ALntnhiguose Pi plegt PbS nee nk eb i mDe Pitre ml eat h Cercle eNbge ethidgrt asp bpsitens Merl ad oohp Bagh Aan hled ng acid fall AFLP ple lene whale ML Liss rtf Et YiaMeiL Fear aitebiqovnleh i eines MPL hte ic bn g Fatt, 10th, 20m Seba Potency eb Suie Cnet tain Lege Met FA eipe-donjecnects tie ieee Wrple L i eoyL hyehattn nora sol usp tatl Sig hin LenB LANA Ae teeth he putiye Ql sh otien “Oi iter be eS eet EnihinalL rg rhbs » Ce psainntan Pe Saatabefhin + KC YebWlE Tam hint PSPS nga BBL tec Lae lettin iri atbesatPrch SP é ALi Hh ree hehe iden LB pltMablanclase Muaible + Poet eM gab unetne Moet li lea Ei PoP Hate MBI ph! LAM i ding stochf Foenely AL Ligaen SReitibecillbe i te wit wk atom ePoring Lone ree She phot nyistuchehicgtlonbs Akio dE Ky Nast La tN ADE heel Pilih A npasiayele fat Donel erect tad Nal Abe nsni eSNG WA Mewes eh tLe Ptak Latydas% WSS a Blane BL MeL bab NB Neer APT hahha r SIR Stal bani! yeolog2 Amc RE ae Whol Syildere LL SensniahecKl HSL i SMoerinbe eciping DIVE cet Ates Files 200% alibi Sie in ais Asean eagle al Ee fided nine PALA SI ANON Re KORE RAL HE npc vm TASES iF MAT aie Song HO Ateneo es WPlL ite WL DM Gy biee tLe HL 60 Biase plated iae2-09 Lr yan Laie He rip tines he as PAB Ses Sep Bamrctoitgnn tre ibenin A000 ALK + Pte E re tet 20,000 75K we Fihtiptoniiaihutys ete ESSE Ie tented ne SUL, DMM A pea iba A fri netnb anes tsi bg enh Petts Siete ie lt wiht daaout Iagesiseted wi mK itatnlart aon IBIS HB ihe Hob Metodnbsite sl wu Laatcte PAE Lit ateretinl un fii pL bai GMB ES Rothe west pale! Biiar0 No Fail eh Subed mee2 ALI Lai Dante ee betel ernbeil Beas Lib Menke theti£osm2006 Leal e Thee tai Bd etl Hatcher rugs disehia Mace tote had ch Hilt Soh Sy Spsne SPL E ty Nilo Sgset Wess baestiezh Serene Lil chat ili botewiersie lige Aucheisntadias® Aun Ble eure yl dswlbe L fede Lehr Liga bose Prk Ls EAN grate shaban Laity AigirasT stb del 0 Lid re Piet one *bseatesfiuoy Sebi es FE cinbrb nian enh ehacosnsitan weelnhane nd odie Op tated Py dLarnSeli irae bertoe gt Most Important Terms & Conditions In consideration ofthe Standard Chartered Bank (Pakistan) Limited, hereinafter referred to as the ‘Bank opening and ‘oF continuing the CurenY’ Savings/ Call Fixad Deposi/ PLS or any other form of accounts) in my/our nares) ferent refered a ng "Acecui) and roving bnkng foes tomes we aaree obs bound by he {leriss and conaitons set Gut below and agree that tre iccourt) arn or Daring Tacites al bs Governed By and be subject to these terms and conditions (erenafter refered to as the Terms). I We also agree that al deposits ‘whether Curent, Savings, Cal, Feed, Terms, PLS in local or foreign curency, that may be placed by me’ us with the Bank and’ 0° any banking facies are subject tothe prevaling rues and regulations of the State Bark of Pakistan, "and are governed by laws in effect from time to ime ("Fules and Regulations"). These Terms shal apy to each of tho Account) of whatever nature nereater opened with, continued wit or maintained with the Bank ors Successors Or assigns and the barking actos offered thereto, \V.We understand that the Bank acts onty as my/ our colecting agent and assumes no responsibilty for the realisation ‘of any tems deposited with the Bank for colectio. Proceeds of cheques o other instruments deposed with the Bank ‘are not avaiable for withcrawal url collected by the Bank. The Bank reserves the rght to debt any ofthe Accounts) ‘that may have been exceptionally credited with an item subsequent unpaid on cotection. The Bank may rofuee to _apcep! for collection chhecues drawn in favour of hid partes or te payee's name isnot idertical to my/ our name on ‘he Bank's recor The Bank will not accept for cred to the Accourtls) any cheque or draft in favour Of a thd party ‘crossed oF denoted "A/c Payee" (or ary words of similar effec). The Bank may at any fine debit and recover from the ‘Accouni() the value of any instrument negotiated, purcnased or colectod by the Bank in the event thatthe proceeds ‘are not recaived against the same at ary time and/or ater recagt of proceeds, the account ofthe Bank fs debited oF procoods recovered from the Bank upon return of the instrument by the drawoe bank or corespondent of the Bark Ve acoeptthat te Bank wilnot be held responsible in any manner whatsoeverto rely and actin good faith on and upon any inforraton” documents provided by mel us tothe Bank in respect o the opering and! or operation of Accoures). {further agree not to old the Bank responsible for not undertaking separate investigation to ingure into and seek any ‘addtional information! documents not provided by re usin respect of te opening andor oparatons oF Account). “Te Accounts) wilbe subj to appicable charges asp the Bank's schekleof charges as revised tom te oie. Feysed eqneauiof charges (SOC) are avalablem branches ad on our website sc corvpk Te Bark shal aNiay8 bo ‘ited, without ratios tome, to recover om and dsb the Accourls| for any charges, expenses, fee, carnmssO"s, martcup, peas, wihokang taxes, zak, samp dy, oer cites, levies of overnmert Geparimeniso autores ‘nd any ther Impostions in Tespect ofthe Account) or the balances nthe Accounts). The Gank is athorced to Tovarse credit eres made h aor. The Bark is aso ented to reverse dabk anes made In eror in reation to “he ‘ecoun(s Ary charges debe bythe Bank are nol unde ype close of ayo al ofthe Aocout) “The rate of any profy interest payable on any account may be displayed by the Bank a Is various branches in Pakistan and Uwe accep! that this rate may be Subject to charige before 30 days prio noice. Profiton PLS Accounts) ‘and Intoret on Foraign Curancy Savings Necourt) ic procortly payable monthly or eam annually and on Tarra Deposits at selected frequency or maturty. The Bank shall have te exclusive right to determine the basis for tho ation of te arouris payable a pot intrest on any PLS Savings and Yer Depost Accounts). Te decsion ‘ofthe Bank es tothe princes of Sharia applicabe, the emourt of expenses ofthe related period and the rate of return appicable to each category of depostor shal be final and binding and shall not be chalenged by the Canta ‘depositors on any ground whatsoever. No Profi interest willbe payable by the Bank on Current Account cret balances in any currency VV We accept that unless specified otherwise, maturity value of foreign currency or rupee term deposts shall bo ‘automaticaly renewed for the same tenor atthe prevaling rate of interest or profit as the case may be, anpicabe fo ‘the renewed tenor atthe tma of matunty Withdrawal of term ceposts prior to maturty may be allowed atthe disoreton ‘of the Bank and may attract penaltes by way of forfeture or reduction inthe Interest or prot, as the case may De, Payable on maturty and/or charges which are subject to change without note tome, as determined by te Bank. \V We accopt that there are risks associated withthe Accounts denominated in foreign curency. Accordingly, accent ‘that withdeawais fom and credit to foreign curency Accounts shal be subject to availabilty of foreign currency notes. ‘atthe ime of withdrawal and subject to prevaling Pues and Regulations. U We also agree that the Bank may decline acceptance of foreign currency notes for credit tothe Accounts) at its discretion, \V We accept thatthe Bank shall not be lable for unavallabilty of funds credited to the Accounts) due to restrictions ‘on convertbilty or iransferabily or payment of funds, requisitons, involuntary transfer and acts of war civil strike oF ‘ther causes Deyord the control of te Bank. V We further accept that neither the Head Office nor any branch, ‘subsidiary o alate ofthe Bank shal be labie for any consequences thereof, if due fo any action of or restiction impooed by tho Coveermont, the Etate Bank of Palictan or any other authorty oF ont, any bronahy ofthe Bonk Unable to etter make payment tothe Clients in the currency ofthe Accounts), or at al, of to transfer such funds in ‘such cuency, of at al We anv are solely responsible for all such risks and any associated costs and expanses howsoever arising (including without Imiaton, those arising from any Intemational or domestic legal or regulatory restrictions) in respect of any such Accounts). / We agree thatthe Bank's determination of whether its o snot able, ‘gen the prevaling applicable tw and regulations, fo make any payment from or parnit any widrawal or transfer ‘fom any Accounts) shall be final ang binding on me us and shall not be questioned sw Most Important Terms & Condit '/ We understand thatthe statement of account in respect ofthe Accounts) wil be provided and sent by mail and/or Inelectrone form at such frequency as the Bark may determine from time to time. Chargos may be leved for issuance of such statements at the discretion of the Bark. The contents ofthe staternent of account vil be treated as correct §ane-conclusive and ai! discrepancies or abjectons any, shall Be Geamed To bs waved Unless noted in wing the Bank within 16 days from the date of dispatch ofthe relevant statement. No statement of account wil be sent or provided fora tenn Gepost for which only a Gepost confimation receipt wil be ised. Wiehe Bark manans sic confidently inal ators rang to my/ cur acount) and busines, V we hereby further consent tothe Bark (and/or any oft ofcers/ employees) to dsclose any information concerning mel us, my/ ‘ur busines, my/ our accounts held with the Bank or another Group Member or my/our relationship wth the Bark ‘or another Group Member fo any ofthe folowing: 2) axyofce or branch ofthe Bank, or any Group Member By ary aget canractor orth party service pride ony profesional edisort the Bank or any Group Meme @) ayo! my/ our guarantor or thie party securty provider; ‘any regulatory Superisary, governmental or Quasi governmental authority with jurisdiction aves the Bank or any Group member, «@) zy person fo whom the Bank or any Group Member is required or authorised by law or court order to make such disclosure, 4) any ol the Bank's actual or potential participant or sub-pertcjpant in, assignee, novatee or transferee of, the Ban's righis and or obligations in relation fo you. (9) ay other parson under a duty of confdertiaty fo the Bank or Group Member: A) any bank Or nancial incttuion with which V we havo or propose to have doalings. Regardless of whether such recipient in each case's located in Pakistan orin another country (except India that does Fable he sama lavel of aia pntactinn aa Pakistan, and reqaatiacs of whether sich ermetion wal fleing

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