Schedule of Bank Charges January to June 2023 WHEN THE WHEEL MOVES THE NATION MOVES Wreeet lees Pera OT i es semen)Schedule of Bank Charges January to June, 2023 Table of Contents S.No. | Description Page 14.0 | Remittances 23 2.0 | Safe Custody Articles in Safe Deposit | 4 4 Lockers 3.0 | ADC Products 45 4.0 | Deposit Products 57 5.0 | Consumer Banking 78 6.0 | Miscellaneous Charges on 7.0_| Standing Instructions Fee 14 8.0 | Bills 11-12 9.0 | Godown Charges 12-43 10.0 | Tariff For Corporate Customers 13 & MNCs 11.0 | Financing & Advances 13-44 12.0 | International Banking 14-16 PMiSeaee cloSchedule of Bank Charges January to June, 2023 _, | Upto Rs. 100.0007. Minimum Rs, 250) + FED 147 | Upto Rs. 1,000,000. (2.05% Minimum Re, 300: + FED ‘Over Rs, 1,000,000 (088 rium Rs, 600» FED For Students deposting 0.50% of feosidues or 1.12 | feesidues of educational | Rs. 25)- + FED per instrument Institutions, HEC, Board ete ‘which avers les. Issuance of .T. for scheduled 113 | panic! Financial insttutions poste a_| Fax charges on Ts ‘Actual, Minimum {or SWIFT charges) Rs. 1251- + FED | Telepnene charges on Ni (Will be conveyed through ssuance of TTe Email) 72_ | Issuance of Duplicate Draft 124 | For account holder Rs. 4001: + FED, 73_| Cancellation of Drafts 1120 | For account holder Rs. 3004 (Flat) > FED 14 Inter Branch Transaction (IBT)/ Electronic Fund Transfer (EFT) within City Free | Outstation Re. 350 142 | Fund Tranter 0 Within City Free 1.42 | Cash Transactions ut Eee No IBT charges are applicable on any transaction (Deposit ‘Transfer, Withdrawal, IBT, DD/PO/Bankers cheque issuance) where originating or beneficiary account of Army personnal Note | (sco, Soldir, NCB, NCE, Cian, pl out defense estimates And officers) a8 por NBP Head Office Circular Later No. ‘CREGIOPGIPAATMPISE7 dates 17.08.2017 15_| Issuance of Pay Order/ Banker's Cheque 115. | For account holder Rs, 240) + FED For Sudents depositing | 0.50% of Fees dues or 152 | feesioues of edveational | Re.254 + FED Institutions, HEC, Board ete. | perinstument whichever tess PMSeeeeeloe @Schedule of Bank Charges January to June, 2023 1.6 _[[ssuance of Duplicate Pay Order / Banker's Cheque 118.1 | For account holder Rs. 330! Fat + FED 7 Cancellation of Pay Order inker's Cheque For account holder Re, 200+ FED Issuance of Call Deposit Receipt For account holder Rs, 150+ FED 48 _[ Issuance of Duplicate Call Deposit Receipt 419.1 | For account holder Rs, 300+ FED ‘an | fobs recovers i vance ath ine of depos oa te commencement 1 | creachQuareard esa willbe rat rend nary cae even # cuore] ‘throw anes aurag be peed Rs. Si per 100 cubic inches or 2.1.1 | For Boxes and Packages any part thereof with a Minimum of Re. 400! + FED per quarter & Rs. &- per 28 square inches For Envelopes, ascuare 212 ee en) ‘or any part thereof with a minimum of Rs. 3001- ‘Safe Deposit Fee For Lockers (tobe reoneredin asvace or atte commencement of the perad yea, 22 | har yeary, quan athe caso may be ard ese wl be non retundabe A any caso even if customer withdraw services during the prid) ‘Small 2.21 | Ont Re. ,500)- per annum + FED Wedium 222 | Fromo.42t00.80 08 Re, §,500)- par annum + FED tom 0.87 101.35 ft Taree 2.2.3 | From 1.36101.75 ot Rs. 7,500)-per annum + FED From 1.78 102.00 ot Extra Large 2.24 | From 2.01 02.50 of Rs. 12,000! per anaumn + FED From 2.51 to 3.00 of 23, | Key Deposit 23:1 | Smal Rs. 4000 232 [Mecum Rs. 5 000 233 | Large Rs, 60000 234 [Exel Fs. 60007 PMiSeaee clo SoSchedule of Bank Charges January to June, 2023 Ts S007 po Toer oF Real whichever is higher ‘Note | Deposit wil apply atthe time a issuance of new locker 25_ | IPS Accounts (Portfolio Service Charges) (Custodial account service 25: | charges Nt aoe 3.1 [ATM Facility 24 | Breaking Charges wither aa | NaP ATMS Free ‘-Link Member Banks ATMs | Rs, 23.48 per transaction Balance Inquiry 3.12 | NPATMS Free ‘Link ATM, Rs. 3:13, ‘312 | UPLEMY Debit Cara (o) | Amal ree Ba 130 «FED Replacement Rs. S50 + FED. ‘Supplementary wy | Annual Fee e100 +FED | Replacement Rs, S50 + FED. 3:14 | PayPak EMV Debit card i lay | Annual Fe Re, 10001. + FED | repiacoment Rs, S00 + FED. ‘Supplementary py | Annual Fee Rs, 10001. + FED (©) | Replacement Rs. S00! + FED. () Annual Fae will ba racovared upfront rom customers and ‘hese willbe non-rundable in any case aven i customer ‘cancol cara dusting the year. Noto | (i) 50% annual foe of UPI PayPak EMV Debit Card will be waved for NBP Sta, (a) No replacement fee wil be charged agains he card block duo to skimming. 32, | SMS Alerts Fre. 3.3, [Digital (Mobile Application & internet Banking) 3.3.1 [Mobile Application /Internet Banking | Nabi Banking {@) | intemet Banking Registration 4 PMSeeeeteloe FreeSchedule of Bank Charges January to June, 2023 Pay to Ary Account with NBP (©) [Funds Transfer) Free © (Rare ‘ [eine ta. fe 0 [esworn foe Fon tan» 9 met FED & Sales Tax charges shall be applicable on Pay To CNIC ana willbe racoveres from customer. ae “4:1_|Aitomaad Mahana Bachat Account (AMBA) bares oy me brn Note: Etat citer hg Be -nn ee Pay Order (eure Free Benefits ‘benand nn fesse) 4a4 Incase cae sommes ta he PMiSeaee clo SoSchedule of Bank Charges January fo June, 2023 ‘42__[Aitemaad Income Support Account (AISA) FAIA anus hor’ daly average {elec monn sveepe See) oh Feros men soqatoor ger ran Fei nen ning oe ne Sil be otee ere ran month, ‘aaa | Elaity Grtora for Sees toe Benetis Debt Carafes we ema fh cae of alsa's operas caren he tnt nada ssaut eleva Fat abe fee beets hn ca Present oalrce must oe equal ot Retr nn 1000 ‘Atomaad SeniorAccount | A1TIV® Fro Boni 43 liascal Chaque Book (suance) ’ Debi Car svance & aul Fee) ‘aa | Allemaad Basie Banking | Aline Free Benefits ‘Account (ABBA) Slalom of Account ‘Al Time Free Benefits 45 | Aitemaad Asan Current 19s Gook (esuace) een) Debi Car (suanco & annual Feo) Al Time Free Beefs haque Book (sos) 1 Dest Car (essence dara Fe} ‘Al Time Free Bonfis ' Craque Book (suanoe) ‘ag, | Atemaad Asaan Saving ‘Account (ASA) ‘az_ | Altemaad Foree Remittance Current Account (AFRCA) | «Doi Cur (ksiarco & aval Fe) ‘Al Time Free Benefits 4.8 | Aitemaad Foree Rerntane® | «coqus Book (ssuancs) Saving Account (AFRSA) | © Deo cor (hsiance 8 aval Fe) “49 _| Altemaad Merchant Account (AMA) teem (9885 ers fo natal so bropetoshp) [AMA without balance erteria) ‘Choque Book siees). Pay Order sizes) {Demand Ora snes (EMV Det car Eighty Crtaria for annal 494) Foe bene Foe Ban rom Second Month of ‘AMA th balance eter) eat average are (roxy ‘en foloaig ee nets wine lee fore caren ment ‘Choque Book sso) {Pay Order sian) {Denar Or snes ERY Deb Car suc ba PMSeeeeeloe @Schedule of Bank Charges January to June, 2023 ‘4.10 [Aitemaad Amirah Account (AAA) {Dita zara Repsrazon Free Benefits (with bance cnteriy* Facets ely age bree {ron sage lnc) 3 pron 0.00 ten alow anes we cle contre cere 1 hous Book ‘Socata | Evaioity criteria or (50% waver once ren-anel 410-1) Free benefits (sje evabiy) (Sajet approve fer fog 50% ma of urea fos (50% waver cares fa (Excel of KBORS2 rae Bra tousig thence toaval sore fe anes ten urenteset asco must bee toorareer tan PAR 50.00 [Al Goverment axes ard levis (har appeal) wile racovred tom Note | _ tht sezount holder as per NBP Atemaad Schedule of Charges ($0C8), J+ Atrarsonod chars aes! waive gta wl bo reviewed and Updttin NP Aran Schedule of Charges (806s) fom tire ote. eae) 5.4 | Altomaad Hamsafar Auto Finance (AHAF) 5.41 | Processing Foe (Nonrafundable) | Rs. 2400 on each gin case 5.12 | Documentation Charges AiAual 5.1.8 | Exomal Adare Verification Naetial 5.44 | Income Estimation cial Tracker 2.5% per annum 5.15 | Takaul Charges Without Tracker 2% por annum (Sbjct change wh preter) 5.16 | Rogisvaton Charges ‘AuActal 3.17 | Vauaton Gharges (sedated) “Aaataal “ie Above the otaning| Musharkan Unis i on BalloonPartal Musharkan Unis | 5.18 | Eaty Sottment Option 5.1.9 | BaloonParial Payment Option 7 PNiSceeeGleSchedule of Bank Charges January to June, 2023 51170] Repossession Charges nea 2:1 | Cheque Dishonored Charges Fs a50/- FED Fae 20% Per Ara willbe 5.112 charty acpled on unpadretarount ¢ Seino ago Seared Taneacion Rogahy 5.1.13] (STR) Charges Laieneal Fae 20% Pr Raabe 144] Réitoral Pes nase of Detay| apie onOsaynPuchae of inPurehase ofshariah Unk | Moshuakan tas dfn nt reer Chany Charges in Gave of 5.1.15] Concelton of boocing orto Rs 10.000 twa 2. [ Aitemaad Housing Finance (ARF) Re 5000: N, Covert 21 | Processing Fea (Non- ‘Amed Forace tea) Rs. 6000. Seared, SEB, SEP, Ot nome Sup Processing Fee Non Te 1000-NBP, Govern ga | tout) ‘amed Foress tow Cost Housing nance- | Rs.2000- Salad, SEB, SEP, General Ofer, came Group Procesang Foe Now feta) 523 | ow Cost Housing Finance Ra. 1,000. Spoil Sagmert Processing Fee 524 | Monrafundaia) (May vary om project to Naya Pakistan Housing ny very fom Program Project) 525 | Documentation Charges acl 526 | Oxeral Adress Vereaton tal 527 | ame Exinaton ‘acl 528 | Tata Charges, ‘acl 528 | Vantin Charges ‘Net Eat Stlement avin years appcabe @ 2% 10 | (ceptNaye Pakistan ‘on outstanding Unis and in case 52.0) Housing Program & Low Cost | eyond 5 years no addtional Housing Finance Special | price will be applied Segments) 2 tin 5 years appeabie @ 2% Balloon Pata Payment Option can anaemia cemertOte on anima aah Program & Low Cost Housing | Units and in case of beyond & Franoe Specal Segments) | Years ne addonal pce willbe oped 5.2.12 | cneque Danonored Charges Rs 2604-+ FED 3 PMSeeeeteleeSchedule of Bank Charges January to June, 2023 52.13] Property Taxes AtAetal 52.14 Search Certfeate AtActal 5.2.18] Preparation of Charge Docu AtAetal 19] Movigage Deca 52.16) (prating-Rogisraon & Option Actual +7 Redemption Dood 52.7) (Drating+Registration) Abaca 1a Sale Deed 52.8) (prating+Registration) ANAL 52.18] Logal Advisor AtAetal Rate 20% Per Annum willbe 52.20| chanty ppl on unpald rent amount as ‘etned in agreement Rate 20% Per Annum wi be ‘Adaitonal Price incase of Delay | apples on Delay in Purchase of £221) in Purchase of Musharakah Unt | "Musharakah Unt as defined in coven 6.0 Miscellaneous Charges ol Fs 11 | coutar charges (ea 10 32_| Sonar otaccomt [Re iv Carer Cras | 2 | Bgl Aon ST. sy ur ert aca Ga_| bsuance of SEPP Cheques | Re. 400s FED parca p payment of cheque ‘cal Cureney CY) LOY Account Re. 480! + FED 6s perinstuction Foreign Cureney(FCY) Foy Account USO Te + FED er nseuction ‘Slop paymonl charge are to be eed one Be or lop payne Insiucone whether ii fr ane o mare cheques Clearance of Cheques where xa 66 | clearing House Facilty not wi eiablahed ‘gy _| Verteation oftesfor ater banka! pares. (red riomaton report inducing | Foi corespondontepoting 6.8 | creat report on foreign suppers! agences buyer. (Charges at atil SWIFT Charges 0 | Centon bance Re. Sook = FeD egataon af conven wi SEP in respect of private foreign 6.10 | currency facility obtained by | Handing chagos Rs. 5,000! (tt) tisomasin Pakistan for foreign lenders @ PMiSeaee clo SoSchedule of Bank Charges January to June, 2023 (required by customers her than 6.19 | auditors) Local Cureney(Le¥) Rs. 20. FED per ceria Foreign Cun (CY) USD 24a quiet in thar Tesuance of new cheque Book in leu of st cheque book (Rupees | Rs. 180-perequest 6.12 | Aon). These Charges are in| (lus excise euy ary) aan fo stop payment charges | USD 2 in FOY Acenutt as prescribed above 1.13 | Account csing charges Ni Rs. 13 pelea 8.14 | Issuance of Cheque Book pusticee ty tony) 6.15 | Maing charges of Cheque Book ‘Atal Charges rom employer on Salary Disbursement Services | 8 perarangements ‘numberof Commercial Organizations (ath than Gov. and Semi Govt and Aulonomaus Boss) disburse salary to thei employees through our branches. Where such organizations do not maintain sulci fords o out sufcint business hrough cur bank to justly work a day of slay dsbursement, bank is jusiie a aim charges Note | rm them forte aclonal woriload, We cannal charge indvgual accounts under Prudential Regulaons We ean however, charge the lemloyers who they do nol mainlai sufcetfurds nor rote acilany bsiass trough ov” bank. We must charge them for dsbursement ot salary to their employees Ne sence charge by issing branch but charges on purchase 6.17 | Autortios to oncash choques. | of cheques wil be recoverod 1.80% minimum Rs, 25: pls Courier Charges PRISM Transaston Charges ean | Alleterbank Fund Tansee) |, 200 rm Reming Bank Inclng stoner Transtors (RTs) Special Same Day Clearing 6.19 | inrough NIFT for cheques over | Rs. 375! + FED pe instrument 25 (0) Callton charges wll not be rocovoed on cheques drawn on is Note | win catchment area o same NIFT offs and willbe handed 38 cal slearing eg, lamabad & Rawalpind. «6.20 | Villy BI Service charges Gas! | Re. + por agreoment withthe Electety Service charges tly companies Bank cerfate forthe purpose of Vi, Income Tax, ae 621 Rs. 208 FED at por coricate PMSeeeetelee @Schedule of Bank Charges January to June, 2023 6.22 [RCS Charges FREE ‘ims ican Fee for Leense 825 | issued by (Gort of Sina Rs. 28 por Calan + FED Chargos fe.24 | Ars icense Fee fr License ee er eg Rs. 26t per Calan + FED Charges 6.25 | Passport Foo Rs. 28 por Calan + FED Charges ‘Seth Diving Leseo- Go, of Si 6.28 | Callecton of Driving conte Fee 250% {or Gow. of Sirah ofthe Diving Lense Foo KPA Puble Senin Conmision- 6.27 | Colston ofkPK PSC Exaninaton Foe through braneness barking channel Rs, 40 (incusive of ED Charges) 6.28 | Doorstep Banking for Persons with Disabitis PWO)"* 6.28. | Faction Charges for PDS by Branch (a) | siometicveieatin at Doorstep Free (@) | cheque Book Detvary at Doortap | Fae of Delvery Charges (e)_| eat cor Deter Doorstep Free of Delvery Charges ote | “In accordance withthe SBP BC & CPO Cxcuar No, 8 of 2021 Peo eke Sanding Instructions fe wil be recovered in aédition to the 7-1 | usual charges on remittances, any 0.40% Minirum Rs. 60 + FED lis postagalcourer charges. Re. 240 + FED pr 8.1 | Documentary Bil 0.25% Nenimum Rs. 1502 + FED us pslageeourir charges as rmenioned above Maxerum Rs, 10,000) + FED Clean 82 | rctusing cheques! dividend ‘warrants bank cats ete.) No service charge shoul be charged on out station cheques, craw ‘on plcas whee theres an offs of he bank, which are received rom Goverment Deparment fo crete Goverment Account. This wae 409s not apply to outstation cheques tendared by the PUBLIC in payment of Government dues upon which tho Bank’ usual chargs| shoud be leis. Note 1 PNGSchedule of Bank Charges January to June, 2023 ‘As pet Zakat & Ushr Ordnance 1960, (Amended in 1897) banking ‘orice and services connected wih the assessment cllecton of Aisbursement of Zaal & Ustr realizable on compulsory bate under ths ordinance aro be rendered ee of charge Hence na cllecion| charges shall be recovereson cheques drawn on Cental Zakat Fund for eetng to accourt of heir beneficiary. 10.15% Minimum Re, 1007 F FED 8.3 | ForNaP oun Cheques!0D1PO | plus applicable posiagelcourir. Maximum Re. 5000-8 FED PsiagelOouter Chargos a obo recovered on clectonTeazaton of eac neuen! [father clean or cocumenlary) However. in ca86| (| where pany has deposited more than one chequefinsbument on 8 parcular dae to be calletestarawn onthe same branch ofthe Bark postagelcourier charges are to be recovered (once only.) ‘Clecon of cheque of ra amount ray be fected trough normal (| dak (ter man cour) spocally requested by tne party wating forwrch ne willbe responsi forthe dla. Note Other chequesléemand (0) | ineruments (Like diver, (060% Minimum Re. 20+ FED waren Collecting ayant ch (2) | Gotectng banks o Actual Bank, willbe extra Telephone Charges wil be oxta (6) | itfate ofthe astuments asked Reveal for by telephone. [le case the instruments are retuned unpaid | Retina Charges or a 70+ FED + Cowie Cargo Documentay Colectors ‘as above (Oocumenlary) ti [ Rating Charges ior Clean | Rs 160-+ FED» Cour Charges, Collectors ‘a above (Clean) ‘rea Commins would Bethe autor to apprave al proposals Tor customors having aggrogate exposure of over Rs. 600 Millon (bth funded ard nonfunded) and in case ofa NC's raitance charges. Note | Commisson on Oversas ileland Be for aleson buses shall bo charged 2 per 9.0 Godown Char; ‘| Godown Rent ‘Actual Salares of Godown 92 | KoopariChowkaars Aewul '33_| Godown Inspection Charges. ‘atl Treatment Debit to party account if Godown Inspection Charges aro up to Rs. S00 for payment fo stat Debit to party and eri to bank (@) | wehout any munpal nt —_|Ineame Account if Inspection ‘chargs ae mar than Rs. 50 D and rembursemant of TDA charges through debit to "Expenditure Account’ wih the approval of Compatent Authority. Oe a rent es | UP 10 Rs. 3000! per customer ousoureed survyorsovalatrs 2 PMSeeeeeloe @Schedule of Bank Charges January to June, 2023 'No such charges wil be recovered from th partes Inspection cf GGadown by Regional’ Head Office Austorsfestemal Auators and "Note occasional surprise checking by Regional Headquarters etc. as iis a patel oman a Tater pot 94 | Conveyance Charges wil be Actual fr hed par os | fasureomecor Talc | BO i pr aa Te os | Handing stares tain tn | cere bu beh wer| te Fare oad Tg ano Soariacat oe or | wae onset Fs 60 Fp Ts sh Gage wilt ectng Ua mateo Garo a icon Ret Sadow Saf Cay mepncten args so tecvond fon be ana cata sal norte ae wee | Suton stay oe glee sa heb wote lnc Charges shouldbe loved as per actual ané nol Become a source of prof tothe Bank, However, rambursement of actual conveyance Enarges to be made to concerned staff to the Dedit of Expenses Account after proper approval ofthe compotent author SO cdeaeeeeeek oe noes With aggregate exposure of over 800 Millon (Bath funded and 40.1 | norunded) and in case ofall [As por negation wits bo MNCS renitane (unds tans fasomer charges. ri eee 11.1 |Legal Documentation Fee ‘Asatal 112 [Directors search / Charge search Local Great Report Independent stocks verification / (@) | indoperdent creat ropotlAssets vation ‘actual, Minimum Re. 4001-+ FED “The cst willbe recovered on case to case bass as por drecivas cantaned Inston Car No 112008 dated 13-12-2008 + 520% dated 1310672011 or on revision mado by respacive Gop. Cross Border Clent Worthiness (0) | Reports, Soaren Reports from Dub and Bradstreet, ICI ete EOI Charges (o | Formaiiaua. Re. 1508 Flat + FED Other Re. 200 Flat + FED Miscallaneous Charges for Issuance of NOC. For issuance of NOC at the request af eustomersilionts for 113 | creating addtiona/par-passu| Rs. 10,000! (Ft) + FED charges second charges on thee ‘ied assets or acauing further project nance fom other Banks! Financial Inston. 3 PMiSeaee clo SoSchedule of Bank Charges January to June, 2023 Recovery ol hase cargos waived Fon: Note | « Glertshaving ttl facies exceeding Rs. 1004(M) {Glens alowed facies under consortium francig Redemption of charge fe t be recovered trom paty when bank 114 tears are called before ropa a. apoe for redemption of the morgage Ta)__[Vacaton of Charge wih SECP Re 000 (b)_[Regataion of charge wih SECP | _Astal > Rs 1.0000 por case Repataton of Charge at co) [Regeratonetc ‘cual +R, 10004 per case oarrange ln on seats ssue| seperti (© [by oneristiuions Rs, 500 pert Pee 412.1 | Exports (Local US Dollar Instruments Colton) ‘Chequesinstuments awn on . ‘2..1] Qnenuesinsrament Re, 200+ FED. ‘Ghequesingvuments dawn on ; 12.4.2] pranenes other than Karach. Rs, 200 + FED 72.13 | Chequesinstuments retuned unpaid @_| Brawn on Karas Re A+ FED ()_| Brawn-on ofr than Karachi Re. 500-7 FED 72:2 | Remittances - Outward Sonica cargos @ USO 100 + FED er USD 1000+ FED or at thereo! Nin, USD 5.00 + FED Max, USD 25.00 FED plus SSWFT enargs Rs. 125- (Fat) Renitanes abroad through 12.2.4) caign Currency CY) Account In adtion o charges mentioned Under 122.2 Service charg at 1.0% tobe recaveredin case the rematance amount excoeds USD $0004 o its equivafentin other Toraign curances. Remitance agains surender of Foreign Curency Notas or cash 12.2.2| doposted in FCY Account wihin 1 days tom the date of such epost ‘Sarvce Chargos @ 1.0% to be rocovored fom the customers in caso Note | cash deposted in ECY Accounts encashediconvrted ini Pakistan Rupee (LCY) within 10 days from the date of such doposit. Trward Calton reeves (eltng [USD 300 + FED pr USD 1,000" 1 FCY Account) rom abroad ot ED 12.2.3) cal anasbranches and where or the payment I demanded I | pat USD 3.00 FED Maximum Foregn Curency. ‘USD 6.00 = FED Tnward cheques expressed in foreign curency drawn on FCY Account recewed tom local! Service charges @ Paisas 15 per 12.2.4) upcounty bank's branches tor | Sever ee ! Paymentn Pasa Rupees (LY) | £00 Minimum Re, 20 fter conversion at authorizes estore buying TT clean rates 4 PMSeeeeeloe @Schedule of Bank Charges January to June, 2023 72.2.5 | Ronltances abroad other tan twough Foreign Cureney Account {@)_| Suents for sducaton purposes) [Rs 200+ FED ps SHIFT charg Rs. 50+ par USD 4 Me. Re. 2001 + FED ans Max. R600 © + FED plus SIFT charges fo tgraphi rans or usal postal charges as Other han students res (c)_|[ Service Charges against issuance of: Cr «7 [Foi bomen ras FO0s) [2 POS FED se FJ Pas 10%» FD rR (| Feri tate ransr rr] OPUS IO FED a Unsi7