Key Fact Statement for Deposit Accounts

Date DD- MM-YYYY

Allied Bank Limited,
Aitebar Islamic Banking
IMPORTANT: Read this document carefully if you are considering opening a new account. It is available in English and Urdu. You may
--------Branch, City.
also use this document to compare different accounts offered by other banks. You have the right to receive KFS from other banks for
comparison.

Account Types & Salient Features :

This information is accurate as of the date above. Services, fees and Profit rates may change on periodic basis. Schedule of Charges is revised biannually and Profit Rates are declared on monthly basis. For
updated fees/charges, you may visit our website "www.abl.com" or visit our branches.
Allied Aitebar Islamic Banking Group (ABL-IBG)
Particulars
ALLIED ISLAMIC CURRENT A/C (FCY) ALLIED ISLAMIC SAVING A/C (FCY)

Currency (PKR, US, EUR, etc.) USD, EUR, GBP USD, EUR, GBP

Minimum Balance To open 100 100

for Account (if any, provide the To keep Nill Nill
amount)

Account Maintenance Fee (if any, provide the amount) Nill Nill

Is Profit Paid on account

(Yes/No) NO Yes
Subject to the applicable tax rate

Indicative Profit Rate. (%) Nill 0.10%

Profit Payment Frequency (Daily, Monthly, Quarterly, Half yearly and yearly) Nill half yearly

Provide example: (On each Rs.1000, you can earn Rs on given periodicity) Nill 0.5

Premature/ Early
Nill Nill
Encashment/Withdrawal Fee (If any, provide amount/rate)

Service Charges
IMPORTANT: This is a list of the main service charges for this account. It does not include all charges. You can find a full list at [our branches, on our website at www.abl.com”]. Please note
that all bank charges are exclusive of applicable taxes.

Allied Aitebar Islamic Banking Group (ABL-IBG)

Services Modes
ALLIED ISLAMIC CURRENT A/C (FCY) ALLIED ISLAMIC SAVING A/C (FCY)

Intercity Nill Nill

Intra-city Nill Nill
Cash Transaction
Own ATM withdrawal Nil Nil
Other Bank ATM Nil Nil
ADC/Digital Nil Nil
SMS Alerts Clearing Nill Nill
For other transactions Nill Nill

VISA Debit Card (VDC) Classic Nill Nill

VDC Sapphire Nill Nill

VDC Premium Debit Card Nill Nill
Debit Cards
UPI PayPak co-badged Classic Debit Card Nill Nill

UPI PayPak co-badged Gold Debit Card Nill Nill

FCY Accounts, US $ 5 per cheque book of

FCY Accounts, US $ 5 per cheque book of 25 leaf or
Issuance 25 leaf or equivalent in other Foreign
equivalent in other Foreign Currencies.
Currencies.

Cheque Book US$ 10/- per instruction for FC Accounts

US$ 10/- per instruction for FC Accounts (or equivalent
Stop payment (or equivalent in other Foreign currencies)
in other Foreign currencies) and FC Cheques / Drafts
and FC Cheques / Drafts

Loose cheque N/A N/A

_______________________________________________________

Allied Aitebar Islamic Banking Group (ABL-IBG)

Services Modes
ALLIED ISLAMIC CURRENT A/C (FCY) ALLIED ISLAMIC SAVING A/C (FCY)

Remittance (Local) Banker Cheque / Pay Order Nill Nill

a) Flat US$ 5/- per item upto value of US $

a) Flat US$ 5/- per item upto value of US $ 1000 or its
equivalent.
b) 0.25% per item for value of over US $ 1000 or its
equivalent, Minimum US$ 10/-, Maximum US $ 100.
c) if charges code is "OUR" for any foreign currency,
US$40/- (flat) Eqv. in any currency to be recovered
from the applicant and amount should be parked in
Foreign Demand Draft
respective Nostro account
Plus Additional Charges @ 0.25%, Minimum US $ 5
(or equivalent currency) to be recovered where
remittance is effected within 15 days of cash deposits.
Plus applicable Dispatch / Communication Charges as
per tariff in Section H of ABL-IBG SOC.
Remittance Foreign
1000 or its equivalent.
b) 0.25% per item for value of over US $
1000 or its equivalent, Minimum US$ 10/-,
Maximum US $ 100.
c) if charges code is "OUR" for any foreign
currency, US$40/- (flat) Eqv. in any
currency to be recovered from the applicant
and amount should be parked in respective
Nostro account
Plus Additional Charges @ 0.25%,
Minimum US $ 5 (or equivalent currency)
to be recovered where remittance is
effected within 15 days of cash deposits.
Plus applicable Dispatch / Communication
Charges as per tariff in Section H of ABL-
IBG SOC.

a) Flat US$ 5/- per item upto value of US $

1000 or its equivalent.
a) Flat US$ 5/- per item upto value of US $ 1000 or its
b) 0.25% per item for value of over US $
equivalent.
1000 or its equivalent, Minimum US$ 10/-,
b) 0.25% per item for value of over US $ 1000 or its
Maximum US $ 100.
equivalent, Minimum US$ 10/-, Maximum US $ 100.
Plus Additional Charges @ 0.25%,
Plus Additional Charges @ 0.25%, Minimum US $ 5
Minimum US $ 5 (or equivalent currency)
Wire Transfer (or equivalent currency) to be recovered where
to be recovered where remittance is
remittance is effected within 15 days of cash deposits.
effected within 15 days of cash deposits.
Plus applicable Dispatch / Communication Charges as
Plus applicable Dispatch / Communication
per tariff in Section H of ABL-IBG SOC.
Charges as per tariff in Section H of ABL-
IBG SOC.

Annual Free Free

Half Yearly Free Free

Statement of Account Rs. 35 inclduing FED

Rs. 35 inclduing FED
Duplicate For FCY Accounts, rupee equivalent of
For FCY Accounts, rupee equivalent of charges will be
charges will be deducted from FCY
deducted from FCY Account
Account

Fund Transfer ADC/Digital Channels N/A N/A

Internet Banking subscription (one-time & annual) N/A N/A

Digital Banking
Mobile Banking subscription (one-time & annual) N/A N/A

Clearing Normal Free Free

USD 5/- including NIFT & collecting Bank
Intercity USD 5/- including NIFT & collecting Bank Charges
Charges
Same Day Nill Nill
 US$ 12/- or equivalent from the currencies other than US$ 12/- or equivalent from the currencies
Closure of Account Customer request US $ or whatever minimum balance is available in other than US $ or whatever minimum
Account. balance is available in Account.
 You Must Know

Requirements to open an account: To open the account you will need to satisfy
some identification requirements as per regulatory instructions and banks' internal
policies. These may include providing documents and information to verify your
identity. Such information may be required on a periodic basis. Please ask us for
more details.
Unclaimed Deposits: In terms of Section 31 of Banking Companies Ordinance, 1962 all deposits which have not been
operated during the period of last ten years, except deposits in the name of a minor or a Government or a court of law,
are surrendered to State Bank of Pakistan (SBP) by the relevant banks, after meeting the conditions as per provisions of
law. The surrendered deposits can be claimed through the respective banks. For further information, please contact your
nearest branch or ABL Helpline/ Call center at 111-225-225.

Cheque Bounce: Dishonoring of cheques is subject to a criminal trial in Pakistan

Closing this account: In order to close your account, please render your request to your Account maintaining
as per Pakistan Penal Code (PPC) 489-F. Accordingly, you should be writing
branch/Parent branch along with Debit card and unutilized cheques and cancel the standing instructions, if any.
cheques with utmost prudence.

Safe Custody: Safe custody of access tools to your account like ATM cards, PINs,
Cheques, e-banking usernames, passwords; other personal information, etc. is your
responsibility. Bank cannot be held responsible in case of a security lapse at the How can you get assistance or make a complaint?
customer’s end. Never share your Debit Card Number, PIN, OTP or any other
sensitive information about your account with anyone. ABL will never call for such
details. Allied Bank Limited
Complaint Management Division
Allied Bank, Head Office, 2nd Floor, 3-4 Tipu Block, New Garden Town,
Lahore
Tel : 042-35880043
Record updation: Always keep profiles/records updated with the bank to avoid Helpline: 111-225-225
missing any significant communication. You can contact your nearest branch of Email: complaint.management@abl.com
ABL Helpline/Call center111-225-225 to update your information. Website: www.abl.com

What happens if you do not use this account for a long period? If your account
If you are not satisfied with our response, you may contact:
remains inoperative for 12 months, it will be treated as dormant. If your account
Banking Mohtasib Pakistan
becomes dormant, certain restrictions apply such as debit transactions and
5th floor, Shaheen Complex, M. R. Kiyani Road, Karachi.
withdrawals shall not be allowed until the account is activated on customer's
(+92 21) 99217334-38 (5 lines)
request. Accounts dormant since one year and with Zero balane will be closed. To
Fax (+92 21) 99217375
activate your account you must request your parent branch. Overseas customers
Email: info@bankingmohtasib.gov.pk
may also send their request using Banks procedure for dormancy activation.

(Portion to be used for the post-shopping stage)

I ACKNOWLEDGE RECEIVING AND UNDERSTAND THIS KEY FACT STATEMENT

Customer Name: Date:
Product Chosen:
Mandate of account: Single/Joint/Either or Survivor

Address :

Contact No: Mobile No. Email Address

Customer Signature: Signature Verified