United bank limited

UnitedBankLimited- UBL
UnitedBankLimited(UBL) is a Pakistani commercial bankbasedinKarachi,Pakistan.Itisone of the
largestbanks inthe private sector,the Bankoperatesanetworkof over1,390 branchesacross
Pakistanand19 branchesoverseas,withacustomerbase of over4 million.
The bank has an assetbase inexcessof $15 billion,aglobal workforce of almost13,000 people and a
diversifiedclientbase coveringabroadspectrumof segmentsandindustriesacrossthe globe.UBL
providesservicesinwholesale andretail bankingthroughitsnetworkof branchesandpresence
across 12 countriesinfourcontinentsincludingthe UAE,Bahrain,Qatar,Yemen,UK,Switzerland,
China,Oman,US, Tanzania,Iran andPakistan.
Basic information:
Type Public
Traded as PSX:UBL
Industry Finance
Founded 7 November,1959
Founder AghaHassan Abedi
Headquarters Karachi, Pakistan
Key people Sir MohammedAnwarPervez,OBE,HPk - Chairman
Ms. SimaKamil - President&CEO
Products Commercial Banking,Corporate Banking, PrivateBanking,Asset
Management
Revenue ₨80.65 billion(US$760 million)- 2016
Netincome ₨27.73 billion(US$260 million)- 2016
Total assets ₨1.62 trillion(US$15billion) - 2016
Numberof
employees
15,000+
Website www.ubldirect.com

 History:
On 7 November 1959, Pakistan witnessedaneventthatwouldchange the waywe bankedforever.It
was notjustthe inaugurationof UBL’sfirstbranch at I.I.Chundrigar;itwas alsothe birthof the
culture of service,aculture of innovationanda culture of financial excellence!
By June 1960, shortlyaftersix monthsof openingitsdoorstothe public,UBL had branchesin:
o Karachi
o Dacca
o Lahore
o Lyallpur
o ChittagongandNarayanganj
In 1963, UBL became the 1st
bankin Pakistantohave a branch overseas- on WilliamStreetin
London,UnitedKingdom.The firstsavingscheme forschool goingchildrenwaslaunchedasearlyas
1960 or the formationof Pakistan’sfirstStaffCollegeof employees in1964, UBL, throughthe
motivationof itsstaff andthe trust of itscustomers,continuedtogrow at a spectacularpace.
In 1967, UBL had hitthe dawnon informationintermsof technology,byintroducing Computer
Bankingto Pakistan.
In 1971, UBL once againpavedthe wayby launching3 OnlineBranches inKarachi.The newlyformed
state of Pakistanwaswitnessingthe boomof industriesandcommerce –cannonedbya bankthat
believedinthe potential growthof Pakistan.
By 1978, UBL hada pledgedeconomicdepartment,hadacquired twointernational banks.UBLalso
launchedsupervisedcreditand small loanschemesfor small to mediumsized firmsas well as
agriculture andhad made foritself,a stronginternational presence for we hadbranchesin 4
continents.
Throughoutitshistory,UBL has keptpace with- andoftenexceededthe changingneedsof changing
times.Keepingthe traditionof innovationalive,UBLintroduced Pakistan’s FirstCreditCard,the”
UNICARD” in70’s andleftitsmark by launchingthe PakRupees Traveller Cheques in1971. Staying
true to its roots,UBL wasalso the firstbankto have an IslamicBankingDivision andthe firstto
introduce E-BankingFacilities atHajj.
o Nationalization:
In 1974, the Governmentof Pakistannationalizedthe bank.This,inturn,ledtoAghaHasan Abedi
foundingthe Bankof Creditand Commerce International.
o Privatization:
In the 1990’s the governmentof Pakistandecidedtochange the face of bankingbycreatinga
blueprinttoprivatize UBL.Atthispoint,financial expertswerecalledonboardtosetthe bankback
on course,andwithimplementationof relevantchanges,the governmentprivatizedthe bank.
In 2002, the Governmentof Pakistansold 51%shares of the bankto a consortiumof Abu Dhabi
Groupand Bestway formingthe cornerstone for the UBL of tomorrow.
In 2002, the bankmergeditsoperationsinthe UK withthose belongingto NationalBankof Pakistan
to form“United National BankLimited”.UnitedBankowns 55% of the joint-venture andNational
Bank of Pakistanownsthe remainder.

In June 2014, the governmentsold-off itsremaining19.8%shares inthe bankfor $387 million
($310m of whichwasin foreignexchange).
In November2018, UBL announcedthatit wasvoluntarilyshuttingdownitsNew YorkCitybranch
due to it beingcommerciallynonviable tooperate.
Today,UBL opensitseyestoa newvisioneveryday,avisionof resurgentexcellence andrenewed
commitmenttoourcustomers.58 years intoour glorioushistory –UBL isnow part of one of the
world’slargestfinancialservicesgroups.
 UBL POS Terminals:
UnitedBankLimited toincrease itsoutreachinthe marketof Pakistanhasdone contract withAccess
Group to activate DigitalPass –POSterminals.DigitalPassisthe partof AccessGroup andhas a
presence inover200 citiesandtownsof the country servingthe needsof differentmerchants.As
perthiscontract, UBL will be providedprovisionof POSterminalsbyAccessGrouptorelativelyboost
the presence of bankingactivities.Itwill alsohelpinenhancingthe bank’soutreachintermsof POS
terminal-basedNetwork.
Beingthe largestbankinthe private sector,UBL has over1,390 branchesnationwide and18
branchesoutside Pakistan.Ithasa customerbase of more than 4 million,leadingthe financial and
bankingservicesinthe country.
 Online Banking:
MuhammadShafiqkhan The Ex-presidentof UBLthoughtit prudenttoinitiate UBL’sonline banking.
Throughthisfacility,customers canaccesstheiraccount frommore than 1200 brancheslocatedin
150 citiesacrossPakistan.TransactionssuchasCash Deposit,Cheque Encashment, StopPayment,
AccountStatement,FundsTransfer,Bill Paymentsare done online withoutthe needtotravel tothe
local branch.
 Awards and Honors:
In May 2016, UBL wasadjudged‘BestBank2016’ at the firstPakistanBankingAwardsheldunderthe
auspices of the Institute of BankersPakistan.The ‘BestBank’categoryrecognizesabankthat has
demonstratedthe mostsignificantcontributiontonational developmentandthe mosteffective
managementof itsresourcesincludingitsemployees,clients,franchise,community,andfinancials.
Also, in2016, JCR-VISCreditRatingCompanyLimited(JCR-VIS) hasupgradedthe entityratingsof
UnitedBankLimited(UBL) to ‘AAA/A-1+’(TripleA/A-One Plus).The yearalsosaw the UBL Facebook
page exceeding1Millionlikes, makingitthe firstPakistani banktocrossa millionfansonFacebook.
The achievementreinforcesitsreputationasaProgressive andInnovative bank.
 Other Subsidiaries:
a. UBL Fund Managers Limited:
UBL FundManagers isa whollyownedsubsidiaryof UnitedBankLimited,makingit the1st
Asset
ManagementCompany to be launchedbya bank inPakistan.ItOfferssavingsandinvestment
solutionstoinstitutionalandindividual clients.
UBL FundManagers has beenoperatingsince the year 2001 and ranks amongstone of the leading
assetmanagementcompaniesinPakistan.UBLFundManagers has beenawardedaManagement
QualityRatingof AM2+ (HighManagementQuality) byJCR-VISCreditRatingCompanyLimitedand

was Pakistan’sfirstcompanyto be compliantwith‘Global InvestmentPerformanceStandards’
(GIPS®).
It iscurrentlymanagingfundsworthoverRs.70.41 billionasof September30, 2017. In 2007, UBL
FundManagers wentglobal andlauncheditsinvestmentsolutionsinthe Middle Eastin
collaborationwiththe UBLInternational branchnetwork.
 Website:http://www.UBLFunds.com
 Headquarters: Karachi
 Year Founded:2001
 Company Type: PublicCompany
 Size:201-500 employees
 Specialties:PortfolioManagement,Investment Advisory,Diverse InvestmentSolutions
b. UBL OMNI – BranchlessBanking:
UBL Omni isa branch lessbankingservice offeredbythe UnitedBankLimitedof Pakistan. The UBL
Omni nowbringsthe customersanothergreatbankingservice atyournearest Dukaan.ThroughUBL
Dukaan,youcan nowdonate toTransparentHands anytime youlike. The service isamajor
milestoneinthe fieldof internetbankingandhasreshapedthe conventional bankingsystem.UBL
Omni isofferingthe customerswithbasicbankingservice facilitiesinbothrural and urbanareas of
Pakistan.Ithas nowmade it eveneasierforthe userstotransferfundsfromone part of the country
to anotherwithsecurityof paymentanddeliveryinnotime through UBL Omni Dukaan.
Omni Mobile Accountsare actual bankaccounts andwork similarlike anotherbankaccount.It’s
available forall customershavinganyregisteredSIMandCNIC.Your registeredmobilenumber
againstyour CNICbecomesyourOmni Accountnumber. UBLOmni Dukaans are in more than 900+
citiesandtownsacross Pakistan.
Omni Accountscan be opened throughanyOmni Agentor UBL Branch.Omni Accountholderscan
avail all the servicesthatOmni offersthroughnotonlyDukaansbutthrougha wide arrayof
channels.
o Account: CustomersacrossPakistancannow opena basicUBL Omni bankaccount at any
UBL Omni Dukaanof theirchoice,whetherclose totheirhome orplace of work,byusing
theirCNICnumberandmobile phone number - theirmobile phonenumberwill effectively
become theirbankaccountnumberirrespectiveof whichservice providertheyuse. Also,
theycan avail instantATMcard. Accountswithhigherlimitscanbe openedfromanyUBL
branch.
UBL Omni account holderwill subsequentlybe able todepositandwithdraw cash,make utilitybill
payments,sendorreceive money,purchase mobile airtime,make post-paidmobile bill payment,
pay Zakat & Donationandmuch more by usingdiversifiedarrayof convenientchannelswhich
includesSMS,Mobile App,UBL NetbankingorATM. No longerwill theyhave tovisitabankbranch
to conducttheirbasic bankingtransactionsnorwill theybe limitedbystandardbankinghours.
o Over-The-Counter(OTC):PeoplewithoutaUBL Omni bankaccount will alsobe entertained
at a UBL Omni Dukaan where theycanmake bill payments,sendorreceive money,buy
railwaytickets,purchase mobile topupandpay Zakat & Donationsetc.

 Associates:
o UBL Insurers Limited:
UBL InsurersLimitedisanassociatedcompanyof UnitedBank Ltd. It isjointlyownedbyUnitedBank
Limited(UBL) andthe Bank’ssponsors,the BestwayGroup.UBL Insurershasbeenlicensedto
transact general insurance businessinPakistanwitheffectfrom 5thJanuary2007. It isregisteredas
an Insurer withthe Securities andExchange CommissionofPakistan.UBLInsurersLimitedhas
insurance associationwithInsuranceAssociationof Pakistan(IAP).
UBL InsurersseekstobringbankingandInsurance togetherinofferingcomprehensive financial
solutions,tobetterserve the existingcustomersof UBLas well asto bringin new business.The
companyhas emphasizedthe hiringof topof the line experiencedunderwriterstoprovide asolid
operational frameworktothe company.
The missionof the companyisto become a reputable general insurerof the countrybyproviding
dedicatedservice tocustomers.Thiswill be accomplishedbyrecognizingthe customerneedsand
providinguniqueproductsandservicingclaimswithinthe optimumtime frame.
The Companyhas underwritten grosspremiumofRs. 3.0 billion during2017 includingwindow
Takaful Operationsandhasbeenassigned “AA-”(DoubleAMinus) ratedby JCRVIS.The Company
has full-fledgedbranchesinKarachi,Lahore,Multan,Faisalabad,Islamabad,Hyderabad,Bahawalpur
and isprovidingmatchlessservicestoitsclientsinthese areas.Besides,the Companyalsohassub-
office inPeshawar.
 ChiefFinancial Officer: NadeemRaza
 Company Secretary: Abdul SattarVaid
 Company Registration:
o CUIN Registration # 0057197
o NTN # 2798420-6
 Rating Agency: JCR-VIS“AA-”(Double A Minus)
 Status of Company: MSC (MediumSize Company)
 Auditors: KPMG TaseerHadi & Co.CharteredAccountants
 Legal Advisors:Warsi Associates(Advocate,Consultants&Legal Advisors)
 Website & Email:www.ublinsurers.com,info@ublinsures.com
 UAN: UAN 111-845-111
 Registered& Head Office: 126–C, Jami commercial,Streetno.14,Phase–VII,DHA,Karachi
75500, Pakistan
 Regulator: SecuritiesandExchange Commission of Pakistan
 Company information:
 Board of directors:
1. Sir MohammedAnwar Pervez,OBE, HPk (Chairman/Non-ExecutiveDirector)
Sir MohammedAnwarPervez,OBEHPkis the Chairmanof the Board of Directorsof United Bank
Limitedsince December2013. He isalso the Chairmanof BestwayGroup UK & its subsidiaries,which
include BatleysLimitedandBestwayCement.He isalsoChairmanof BestwayNorthernLimitedin
UK.

Sir Anwarwasawardedthe Orderof the BritishEmpire (OBE) in1992 and wasconferredthe title of
Knight’sBachelorin1999 by Her Majestythe Queenforhisservicestothe foodindustryandvarious
charitable causesinthe UK. In 2000 he wasawarded“Hilal-e-Pakistan”.
In 2005, Sir Mohammad AnwarPervezwasvotedwinnerof the prestigious“GrocerCupfor
OutstandingBusinessAchievement”bythe Institute of GroceryDistribution,UK.In2006 he received
“Sitara-e-Essar”bythe Presidentof Pakistan.The same yearhe waschosenas the “Master
Entrepreneur–UK” at the Ernst & Young Entrepreneurof the Year2006 Awards.
2. Mr. Zameer MohammedChoudrey,CBE (Non-ExecutiveDirector)
Mr. ZameerMohammedChoudreyhasbeenaMemberof the Board of Directorsof UnitedBank
Limitedsince October2002. He isChairmanof the Board Riskand Compliance Committee.He isalso
a Directorof UBL InsurersLimited.
He isthe Chief Executive of BestwayGroup,whichisthe seventhlargestfamilybusinessinUKwith
annual turnoverof £3.06 billion.The Groupisthe 2nd largestwholesalerinthe UK,the 3rd largest
retail pharmacyinthe UK, the largestcementproducerinPakistanandthe 2nd largestprivate bank
inPakistan.The Group providesemploymenttoover33,600 globally.
3. Mr. Haider Zameer Choudrey (Non-ExecutiveDirector)
HaiderZameerChoudreybecame Directorof UnitedBankLimitedinMarch 2014. He has the
distinctionof beingthe youngestDirectorof anylistedbankinPakistan.HaiderisaChartered
Accountantby profession.He representsthe BestwayGrouponthe Board of UnitedBank Limited.
He isactivelyinvolvedwiththe charitable workof the BestwayFoundationinthe UKand Pakistan;
and ispart of the managementteamthatissupervisingthe constructionof twostate of the art
schoolsinChakwal.
4. Mr. Rizwan Pervez (Non-ExecutiveDirector)
In 2006, Rizwanwas appointedGroupOperationsDirectorwhere he ledandmanagedthe
integrationof BestwayandBatleyswholesale operationswhichcreatedthe UK’slargest
independentwholesalegroup. In2012, Rizwanwasappointedthe GroupMarketing& PR Director.
Rizwanisa Trustee of BestwayFoundationUK.
5. Mr. Arshad Ahmad Mir (Non-ExecutiveDirector)
Mr. ArshadAhmadMir, appointedasmemberof Boardof Directorswitheffectfrom26 October
2009, has overfourdecadesof extensive corporate experience infinancial services,oil industry,
managementconsultancy,manufacturingandwholesale distributionbusinesses.
He has servedwithmajorcorporate entitiesinareasof general management,corporate planning,
projectmanagement,compliance andconsultancy.Geographical coverage of hiscorporate rolesand
responsibilitiesencompassPakistan,MiddleEast,Africa,UK& Europe.
He isalsoa memberof the Board RiskManagementCommitteeof the UBL.
6. Mr. Khalid Ahmad Sherwani (IndependentDirector)
Mr. KhalidAhmedSherwani wasappointedMember,Boardof Directorsas an IndependentDirector
inOctober2014. He isa seasonedprofessional withvastexperience of corporate governance of over
50 years,gainedinovertwodecades,servingasdirectoronvariousBoardsof directorsprimarilyin

the financial servicesindustryof Pakistan,includingchairmanshipof 5 BODsof public& private
sectorentities.He alsohastopmanagementexperience of 30 yearsindiverse areasinmajor
commercial banksasSEVP,CIO,CFO and CEO.
He had originallyjoinedUnitedBankLimitedin1968 as a Trainee initsIT division,became itsIT
Headin 1974 and rose to the positionof SeniorExecutive VicePresidentin1984. Thereafter,he
oversawthe workingof numerousbankingfunctionsof the Bankandplayedapivotal role inits
restructuringduring1996-2000.
He isthe Chairman,Board Special Committee andMember,BoardRisk& Compliance Committee of
the Bank and currentlyalsoservesonthe Boardof Directorsof the Cancer Foundation.
7. Amar Zafar Khan (IndependentDirector)
Mr. AmarZafar Khan isa CharteredAccountant,withover30 years multi-functional experience at
premiuminternational financial institutions,coveringgeneral management,directingturnarounds
and developingnew ventures/businessesincommercial banking,investmentbanking,domesticand
cross-bordercorporate finance andsecuritiestrading.He hasexposure tomarketsinEurope,the
Middle Eastand Africaand has knowledgeandexperience of awide spectrumof financingsolutions.
Mr. Zafar wasChairmanand CEO of UnitedBank Limited(UBL) fromthe year2000 to 2004. At the
government’sinvitation,he tookthe helmof thisnationalizedinstitution,inordertoaccelerate the
pace of commercializationandachieve privatization.Mr.Amar wasalso appointedasAdvisorand
Directorof UBL in1996 by State Bank of Pakistanwhere he playedapivotal role inthe multi-
dimensional restructuringof the bank.
8. Tariq Rashid (IndependentDirector)
Tariq Rashidhasmore than20 years’experience inManagement&InformationTechnologyatsenior
level.He servedasaDirectoron the board of MobilinkMicrofinanceBankandheadedthe risk
committee.He servedasDirectoronthe Board of Mobile NumberPortabilityDatabase (Guarantee)
Limited.
He isa Chairmanof the Board IT Committee of the UBL.
 Committeesofthe Board:
Board Audit
Committee
Board Human
Resource &
Compensation
Committee
Board Risk &
Compliance
Committee
Board IT Committee
Mr. AmarZafar Khan
(Chairman)
Mr. ArshadAhmad
Mir (Chairman)
Mr. Zameer
MohammedChoudrey
(Chairman)
Mr. TariqRashid
(Chairman)
Mr. HaiderZameer
Choudrey(Member)
Mr. KhalidA.Sherwani
(Member)
Mr. ArshadAhmad
Mir (Member)
Mr. HaiderZameer
Choudrey(Member)
Mr. KhalidA.Sherwani
(Member)
Mr. AmarZafar Khan
(Member)
Ms. SimaKamil
(Member)
Ms. SimaKamil
(Member)
Mr. RizwanParvez
(Member)
Mr. SyedZulfiqar
Hussain(Secretary)
Mr. ImranSarwar
(Secretary)
Mr. MuhammadFaisal
Anwar(Secretary)
Mr. Aqeel Ahmed
Nasir(Secretary)

 ChiefFinancial Officer:Mr. AameerKarachiwalla
 Company Secretary & ChiefLegal Counsel:Mr. Aqeel AhmedNasir
 RegisteredOffice:13th Floor,UBL Building,JinnahAvenue,Blue Area, Islamabad
 RegisteredNTNNumber: 0801164-8
 Current RegistrationNumber:723/19590707
 NewCUIN RegistrationNumber: 0001026
 Head Office:I.I.ChundrigarRoad, Karachi – 74000, Pakistan.
 Share Registrar: THK Associates(Pvt) Limited.1st
Floor,40-C, Block-6P.E.C.H.S, Karachi –
Pakistan.
o Phone No:021-34168270
o UANNo: 021- 111-000-322
o Fax No:021-34168271
 Auditors: M/s. KPMG TaseerHadi & Co.,CharteredAccountants
M/s. A.F.Ferguson&Co.,CharteredAccountants
 Legal Advisors:M/s. MehmoodAbdul Ghani & Co Advocates
 Contacts:
UAN:111-825-111
ContactCentre: 111-825-888
 Website:www.ubldirect.com
 Email: company.secretary@ubl.com.pk
Shares information:
Rs. 147.09 -0.82 (-0.55%)
 Volume:763,100
 Market Cap: 180.06 bn
 AvgVolume (12M): 1,797,987
 Day’s Range: Rs. 145.50 - Rs.149.55
 1 MonthRange: Rs. 131.08 - Rs. 147.91
 6 MonthRange: Rs. 122.64 - Rs. 157.59
 52 Weeks’ Range: Rs. 121.85 - Rs.204.00
 Performance:
o 1 Month: 4.58 %
o 3 Month: -3.70 %
o 6 Month: -2.30 %
o Year: -25.34 %
 PaidUp Capital:12,241.80 mn
 AuthorizedCapital: 20,000.00 mn
 Total No.Shares:1,224.18 mn
 Free Float:489.67 mn
 Beta:1.16
 Face value:10
 Earnings:
o Latest EPS Upto 2019 1Q Rs. 3.40
o EPS Last Quarter 2019 1Q Rs. 3.40

o Last Annual EPS Upto 2018 4Q Rs. 12.44
o Price to Earning P/E Upto 2018 4Q 11.82 x
o Exp Price to Earning P/E Upto 2019 1Q 10.82 x
o Exp Earning Growth Upto 2019 1Q 9.32 %
o Price Earning GrowthUpto 2019 1Q 1.16 x
 Equity Ratios:
o Book Value Upto 2018 4Q Rs. 123.57
o Exp Book Value Upto 2018 4Q Rs. 125.14
o Book Value Growth Upto 2018 4Q -5.04 %
o Exp Book Value GrowthUpto 2018 4Q 1.27 %
o Price to Book Value Upto 2018 4Q 1.19 x
o Exp Price to Book Value Upto 2018 4Q 1.18 x
o Return on Equity Upto 2018 4Q 10.07 %
o Exp Return on Equity Upto 2018 4Q 10.87 %
o RetentionRatio Upto 2018 4Q 11.56 %
o Exp RetentionRatio Upto 2019 1Q 11.58 %
o Equity to AssetsRatio Upto 2018 4Q 8.01 %
o Return on AssetsUpto 2018 4Q 0.81 %
o Return on Cap EmployedUpto 0 N/A %
 Dividends:
o DividendUpto 2018 4Q Rs. 11.00
o DividendYieldUpto 2018 4Q 7.48 %
o InterimDividendUpto 2019 1Q Rs. 2.50
o DividendLast Quarter Upto 2019 1Q Rs. 2.50
o ExpectedDividendUpto 2019 1Q Rs. 12.03
o ExpectedDividendYield Upto 2019 1Q 8.18 %

o ExpectedDividendGrowth Upto 2019 1Q 9.32 %
o DividendCoverUpto 2018 4Q 1.13 x
o Payout Ratio Upto 2018 4Q 88.42 %
o ExpectedPayout Ratio Upto 2019 1Q 88.42 %
 Cash:
o Cash Flow PerShare Upto 2018 4Q Rs. 168.94
o Cash Per Share Upto 2018 4Q Rs. 149.87
 Advances & Deposits:
o Equity to Advances Upto 2018 4Q 21.13 %
o Advance DepositsRatios Upto 2018 4Q 52.41 %
o Cash to DepositsRatio Upto 2018 4Q 13.43 %
Account Opening Form:
Accountopeningformisthe contract betweenbankandcustomerstoestablishrelationships.
Or
Accountopeningformisapplicationformtoopenanaccount to depositanyamount.
Three Main Parts In AOF:
1.Personal informationof the customer
2.Bank requiredinformation
3.Termsand conditions
1. Personal InformationRequirement
Bank needthisinformationtoknowitscustomertype,toidentifyorrelate itscustomers.
 CustomerCategory: Customersare those whoturn to bankservices,have anaccountwitha
bankbut every bankneedstobe knownmore closelythe customertype.UBLbankhas
differentwayof categorizingtheircustomers.
o Individual orindividual BusinessAccount
o Business
o Partnership(Registered/Unregistered)
o GovernmentInstitution(Federal/provisional/local)
o Societies
o Trust
o LimitedCompanies

o Local Zakat Committee
o AgentAccount
o Private
o Others
• Special Category of Accounts: Openingof anaccount withUBL bindsthe bankerand
customerintoa contractual relationship.Everypersonwhoiscompetenttocontractcan
openan account withUBL bank.The capacityof certainclassesof person,tomake valid
agreementissubjecttocertainlegal restrictions, asisthe case withminorsetc.,categories;
o UBL Staff
o Minor
o PhotoAccount
o Mustahakeen-e-zakat
o Parda nasheen
o Student
o VisuallyImpairedPerson/Blind
o PhysicallyHandicapped
o Earthquake Affected/IDPS
o Widow
o Pensioners
o SeniorCitizen
o Govt. Emp/semi Govt.Emp
o Salary
 CustomerDetails for Individual:
o Name: Mr./Mrs./MS
S/O,D/O,W/Oname:
Mother'smaiden name:
o Gender:
o Marital status:
o DOB:
o Nationality:
o US citizenship:
o Profession:
 Detailsfor Minor Account Holders:
o Name of guardian:
o Relationshipwith guardian/Minor:
 CustomerDetails for Business:
o Company/businessname:
o Nature of business:
o BusinessRegistrationno.:
o Years inBusiness:
o N.T.N number:
o Countryof Incorporation:

2. Bank RequiredInformation
Bank requiresinformationof itscustomers toensure the processof openingyour checking
account goessmoothlyandefficiently,viabringthe appropriate documentswithyouto
the bank, includingphotoidentification,yourCNIC,Contactdetailsandproof of currentaddress,
such as a utilitybill,,mortgage statement,orsignedleaseagreement.
 Identification
o CNIC/Birthcertificate(Local GovernmentAuthority):
o PassportNo.: (Foreignindividualonly)
o IssuedDate
o ExpiryDate of identificationdocument:
• Contact Details
o Permanentresidential address:
o Mobile No.TelephoneNo. Residential/office:
o Personal/Office email:
o Personal/Office Fax :
 Zakat Exemption: Zakat isapplicable inPKR- SavingAccountOnly
o ExemptionCode: Non-Muslimor Due to Fiquah
o For Visuallyimpairedpersons/ blindcustomers
a. Witnessismandatoryforilliterate/visuallyimpairedcustomers.
b. Declaration
In additional tothe above,I/we herebyagree andconfirmthatall possiblerisksinvolvedinthe
operationandusage of the bank productsand servicesbeingofferedbyUBL bank,have been
explainedtome inthe presence of witness,personallyknowntome.
o Name of witness(accompaniedbycustomer)
o RelationwithCustomer
o CNIC
o Signature
o ApplicantName:
o Applicantssignature/Thumbimpression/Company’s/Organizationstamp:
• Diligence forNon-Individual Account:Extra informationof individuals isalsoneededforthe
bankerwhile theyneedto deal withcustomerslike publicauthorities,societies,jointstock
companies,partnershipfirmsetc.
 Entity type:
o A publiclistedCompanyoraffiliateof apubliclylistedcompany.
o Governmentownedentity
o A tax-exemptRetirementFundorTrust, Charity
o An active non-financial entity

 UBL Type of Account:
A. UBL Current Accounts consist of :
o UBL Business Partner
o UBL BusinessPartnerPlus
o UBL Mukammal
o UBL e-Transaction
o UBL Basic BankingAccount
o Employee bankingSalary
o UBL CurrentAccount
B. UBL Saving Accounts Consistsof :
o UBL FirstMinor PLS Account
o UniSaver
o UniSaverPlus
o UBL Mahana Aamdani
o UBL UniFlex
o UBL Zindagi
o UBL SavingsAccount
C. ForeignCurrency Account : Foreigncurrencyaccounts/depositsare openedand
maintained,subjectedtoForeignExchange Regulationsanddirectiveof the Government
of PakistanandState Bank of Pakistanfromtime totime.
o $USD
o GBP
o UAE Dirham
o Saudi Riyal
o Euro
o Others
 OperatingInstruction: (SigningAuthority)
Accountholderscan letsomeone else tooperate the account. These people are oftencalled
authorizedsignatories.UBLrequire accountholderstoalsobe authorized signatoriesforoperating
of accounts.
o Singly
o Eitheror survivor
o Jointly
o Mandate
 Of Account (Title ofAccount):
A bankaccount title featuresthe name of the accountowner.Youcan name one or more people as
an account ownerandyou can alsoopen accounts inthe name of legal entities,suchasbusinesses
or livingtrusts.
 UBL net banking: UBL offersthe netbankingservicestoview youraccountstatements,pay
utilitybills,transferfundstoanyone ,buy mobile airtimeanddoonline shoppingvia
internetandmobile.

 SMS Alerts(Alerts for CardTransactions):UBL offersthe service of SMSalertson all
transactionsandon everycard transaction.
 Account Statement Mailinginstructions:
o Permanentresidential address:
o Mailingmethod:
o FrequencyforUBL e-statement:
 UBL ATM DebitCard (VISA/Master): Prepaid DebitCardthatprovidesthe convenience,
securityandbenefitsof an ATMand DebitCard,locallyandinternationally.More thanjust
an ATM card, youcan use your UBLWiz Card anywhere inthe worldwhere VISA &
MasterCard are accepted.
o Thisis onlyforindividualandsole Proprietorshiponly.
o SelectCardType
o Name on Card
 Cheque Book Requisition:UBL Cheque Requisition isastandardized formused torequesta
paymenton account holders,account.
o Check book required:Yes or No
o Quantity:No. of Leaves
a. 25 Leave
b. 50 Leaves
c. 100 Leaves
d. Others
 Other UBL Products: UBL offersa wide range of otherproductsservices thatis beneficial to
itsmost valuable customers.
o UBL OMNI (BranchlessBanking)
o Locker
o Lockersare subjectedtoavailability.
o CreditCard
o Mortgage
o Personal Loan
o Car Loan
o UBL TermLife Insurance
 Contact Centre Services:UBL contact centre isa 24/7 Functionthatoffersa wide range of
servicestoitsvaluedcustomers.
o Balance Inquiry
o TransactionInquiry
o Productinformation
o Card activation/cardblocking
o Complaintsregistration/inquiry
o Lead generation/service request
o fundtransfer/bill payment
o TelephonicPersonal identificationnumber(T-pin) forContactCentre services.

 Nextof kin (ContactPerson):UBL require the contactpersoninformationtodeal withthe
deceased'sproperty,includinghisorher bank accounts.
o Name:
o Relationship:
o CNIC:
o Address:
o Personal/Office telephoneno.
o Personal/Office E-mail:
 CustomerDue Diligence Individual Account/Individual BusinessAccount:
o Type of Customer: Walkin/Marketed/Referredby
o PoliticallyExposedPerson: Yes/No
o Source of Funds:Salary/Business/Agriculture/Stockorinvestment
o Usual Mode ofTransaction: Cash/ Clearing/Remittance/Collection
o Purpose ofAccount: Saving/Business/Transactional
o UltimateBeneficiaryof Account: RelationwithCustomer
o IdentificationdocumentofUltimateBeneficiary
 CustomerDue Diligence BusinessAccount:
o Type of Customer: Walkin/Marketed/Referredby
o Parent company/groupname
o MainGeographicarea of activity: Province/Country
o Source of fund:ExportProceed/Property/Real Estate/Local Trading/CharityandFunds
donation/Others
o Usual mode oftransaction: Cash/Clearing/Remittance/Collection
o Nature of Business:Financial Institute/LimitedCompany/Proprietorship/Govt.Entity/
NPO/Others
o UltimateBeneficiaryof Account: RelationshipwithCustomer
o IdentificationdocumentofUltimateBeneficiary
 Indemnityand Undertaking
In thisundertakingthe customermustsignandtoensure thatthe informationhe/she
providedis100% correct.
3. Terms and Conditions :
I/We hereby agreewith the Terms& Conditionsand theIndemnity and undertaking given,
which I/We haveread,understood and confirmthattheinformation supplied in the Account
Opening Formare Correctto the bestof my/ourknowledge.I/Weconfirmhaving received
the copy of AccountOpening Formalong with Terms & Conditionsof theaccount.l/We
authorizetheBankto invest thedepositin any mannerit likes, and profit/lossasdetermined
by the Bankshall be acceptableto me/us.I/Wehereby covenantand agreeto observeand
be bound by thesaid Termsand Conditionsand any changes,supplementsormodifications
there to thatmay be madeby the Bankfromtime to time.
• There are total 139 termsand conditionsinthe formtowhichthe customermustbe agreed
by signingitonform.

ScannedcopyofUBLAccountOpeningForm
(AOF):

Products offeredby United Bank Limited
Deposit Products:
The depositportfolioof the bankoffersanelectricmix of all typesof financialrequirements.Anyone
whetheranindividual interestedinopeningasavingsaccount,ora businessmanwantingto
maintaina foreigncurrencyaccount,ora small businesswitharequirementof abusinessaccount
for theirdailytransactions,theirdepositproductsofferthemarange anyone requires.Followingare
the extensivedepositproductsandservices.
 UBL Kommitee Account:
“Kommitee” is a widely known and understood concept amongst Pakistanis and people in the
developing world. It is widely practiced as a wealth accumulation scheme, however has historically
operated totally outside the regulated financial and banking environment. UBL is delighted to
announce thatinline with theirlegacyof beingaleaderandinnovator,UBListhe firstBankinPakistan
to launch the “UBL Kommittee” which is a first of its kind Kommittee product offered through
regulated financial channel.
Eligibility: All UBLcurrentand / or savingaccount (single,joint,partnershiporcorporate) holders.All
NTB customerswill be askedtoopenupa checkingaccountof theirchoice firstbefore openingupa
Kommittee account.
MinimumdenominationtostartaKommitteewithUBL:Thisaccountcan be openedwithminimum
PKR5,000/-.(monthlyinstalmentcanonlybe inmultiplesof PKR5,000/- upto a maximumof PKR
1,000,000/-
Keyfeatures: Followingare the mainfeatures
o Choice of Kommittee Cycles(12Months,18 Months, 24 Months)
o No penaltywithdrawal priortocompletionof chosenKommittee cycle
o Tax Free BankContribution
o Facilityof availingInstalmentHolidaywithoutanypenalty
o Free e-statementsforKommittee account
o Free SMS Service forKommittee account
BankContribution: Contributionbythe Bankisto encourage customertocomplete theirKommittee
cycle and shouldnotbe construedinany formas profit.
o On makingpaymentof all the 24 Months Instalments,aBankContributionof 100% of the
monthlyKommittee instalmentamountwillbe giventothe customer
o On makingpaymentsof the all 18 MonthsInstalmentCycle,aBankContributionof 50% of
the monthlyKommitteeinstalmentamountwillbe giventothe customer
o On makingpaymentof all the 12 Months InstalmentCycle,aBankContributionof 25% of
the monthly Kommitteeinstalmentamounttothe customer.

KommitteeCycles:Customercanchoose fromanyof the three Kommittee accounts,basedonlength
of Kommitteewhichis12 months,18 monthsand24 months.
InstalmentHoliday: Incase there isnobalance in the base account the day of the Kommittee
deduction,the Kommittee ismarkedas“InstalmentHoliday”andsuspendedfreeof charge.The
Kommittee Cycle ismovedforwardbythe numberof monthsthe Kommittee instalmentisnotpaid
i.e.the BankContribution monthismovedforwardone monthforeach instalmentmonthmissed.
Withdrawal:Withdrawal orclosingKommitee isallowedwithoutanypenalty,howeverBank
Contributionwill notbe giveninsuchcases.
UBL Business Partner: Over 1300 Online Branches In more than 400 Cities customer’s Account in
every one of them.
UnlimitedRealTimeOnlineBanking:Customerscanaccesstheiraccountfromover 1300 online
branchesinovermore than400 citiesacrossPakistanforunlimitedonline transactions.WithUBL
BusinessPartner,youraccountmoveswithyou.Whereveryougo,we will follow. Provides total
convenienceatanyonline branch with:
o InstantCash Deposits&Withdrawals
o CountryWide InstantFundsTransfer
o Issuance of Pay Order,DemandDraft& TelegraphicTransfer
o InstantCheque Clearance forall UBL Cheques
o Speedyclearingandcollectionof anynonUBL cheque inanyOnline UBLbranch
o Statementof AccountIssuance /Balance Inquiry/Stop Paymentof Cheques
Convenienceof9:00am-5:30pmNon-StopFullServiceBanking: Convenience of 9:00 a.m.to 5:30 p.m.Non
StopBankingfromMonday to Thursday,9 a.m.to 1:00 p.m.& 2:30 p.m.to 6 p.m.on Fridayand9
a.m.to 1:30 p.m.on Saturday(selectedbranchesonly)
o Rupee Deposits&Withdrawals(bothcheque&cash)
o Issuance of Pay Order,DemandDraft& TelegraphicTransfer
o Locker Access
o UtilityBillsPayment
o ConsumerLoans/ CreditCardPayment

o Statementof AccountIssuance &Balance Inquiry
o Issuance of Rupee Traveller'sCheques
TheCurrentAccountthatoffersFreedom:UBLBusinessPartnercomeswithunmatchedfree*offers.
UBL trulyvaluescustomer’s partnershipandbelieve inoffering themthe preference they deserve.
Nowindividuals, soleproprietorships,partnershipsandGovernmentaccountscanbecome UBL’s
preferredBusinessPartnerbymaintainingRs.250,000/- or above intheircurrentaccount andget
the followingservicesabsolutelyfree!
o Issuance of MT
o Issuance of CC/CBC
o Cancellationof PO/CC/CBC/DDorMT
o Duplicate CC/CBC
o DebitATMcard annual fee
o Cleansbill forcollection/intercityclearing
o Issuance of cheque books
o Cheque returnedunpaid frompayeeaccount
o Online IBTStransactioncountrywide
o Locker rent
o Issuance of Rupee TravellersCheque
o 1 LockerFree (anysize forfirstyear , subjectto availability inthe branchwhere account
resides)
o Minimumbalance chargesof Rs. 50/- will be chargedmonthly if monthly average balance
fallsbelow Rs.10,000/-.
 UBL Savings Account:
If the customers choose tokeepa depositinasecuredsavingsaccountwhichalsogivesanattractive
rate of return,thenUBL's PLS SavingsAccountwill serve all theirfinancial needs.Bykeeping their
depositsinUBL's PLS SavingsAccount they canalso avail the followingservices:
Specialfeaturesare
o No limitationonwithdrawals
o Share of profitiscreditedonhalf-yearlybasis
o Profitiscalculatedonmonthlyaverage balance
o Issuance of Pay Order,DemandDraft,MoneyTransfer& TelegraphicTransfer
o CountryWide InstantFundsTransfer
o CountryWide InstantDeposit/Withdrawal (bothCash& Cheque)
o Issuance of Statementof Account/Balance Inquiry
o StopPaymentof Cheque
o SpeedyOBCprocessforchequesof otherbankswithin&intercity
o Nowcustomerscan depositall UBL andnon UBL chequesinanyonline UBLbranch for
clearing/collection
9:00 am-5:30 pmNon-StopBanking:
o Cheque /CashDeposit andWithdrawal
o PO/DD/CC/RTC issuance (all local currencyremittancetransaction) issuance againstcash
o Utilitybill payment
o Statementof Accountissuance

o Locker operation
Timings
o Monday throughThursday:9 am to 5:30 pm
o Friday:9 am to 1 pm & 2:30 pm to 6 pm
o Saturday:9 am to 1:30 pm (selectedbranchesonly)
CountrywideInstantChequeClearance: Submitacheque inKarachi and getit clearedinPeshawarwithin
minutes.Withonlinebankingservices,youcangetyour cheque clearedinstantly,without any
hassle.
Instantfundstransfer:Fundstransferwasneverthiseasy.Make paymentsorreceive paymentswithin
minutesusingUBL’sonline facility.Withthe introductionof InternetBankingnow fundstransferis
evenmade easierandisjusta clickaway.
 UBL Mukammal Current Account:
UBL Mukammal Current account offers a range of benefits and free services allowing transactional
flexibilitytothe moderndaycustomer.ItisaPakRupee non-remunerativecheckingaccountthataims
to provide necessary tools to:-
o Individuals,
o Traders,
o Businessmenand
o All Commercial entities
o Alsounlike anyothercurrentaccountthere isno monthlyaverage balance requirementon
this,whichmakesitall the more unique andattractive to customers.
o Host of Free Services include
o InterBranch Online Transactions - CountryWide
o Debit/ATMCard Annual fee
o Issuance of Cashier'sCheque /CBC
o Cheque Book
o Overthe CounterCash Deposit
o Cancellationof CC/CBC
o Cheque ReturnedUnpaidfromPayee'sAccountinOutwardClearing
o Cleanbill forCollection/IntercityClearing
o Duplicate Cashier'sCheque/CBC
o Duplicate AccountStatement
o Issuance of RTC
o UBL Go GreenSMS Alert
o Free InternetBanking
o Free Accidental Death&DisabilityInsurance
 UBL Zindagi Account:
UBL Zindagi Accountisa unique monthlysavingsaccount,offeringcompetinghighyieldsavingrates
for SeniorCitizensegmentaged60 yearsor above,sothat theirfinancial needsare metwithease

Eligibility: All Individuals(singleandjointaccountholders) of age 60 yearsor above are eligible forthis
scheme.However,incase of jointaccount,primaryaccountholdershouldbe aged60 years or above
Minimumdenominationtoopenthisaccount:Thisaccountcan be openedwithminimumPKR100/-.
Minimum/maximumamountthatcanbedepositedinthisaccount:There isnominimumormaximum
balance limitforthisaccount.
Keyfeatures:Followingare the mainfeatures
o HigherRate of Return
o Monthlyprofitpayout
o Complete Transactional Flexibility
o Free cheque bookof 25 leaves(1stcheque bookonly)
o Free Debitcard issuance
Profitcalculationmechanism:Profitcalculationmechanismisbasedonmonthlyaveragebalance and
profitwill be automaticallycreditedtothe accounteverymonth.
The methodof calculatingreturn/profitunderthe profit/losssharingscheme isgovernedbythe
Bank Rulesunderprevailingregulations/directivesof the State Bankof Pakistan.
 UBLUniZarForeign CurrencySavings Account:
UBL UniZarForeignCurrencySavingsAccountisidealforthose customersandindividualswhowishto
maintaina secure foreigncurrencytransactional account whichalso providesa return.It is available
in 5 leading currencies: US Dollar, British Pound, Euro, Saudi Riyal and UAE Dirham.
Special Features:
o Profitcalculationisonthe basisof minimummonthlybalance touchedduringacalendar
month
o Profitpayoutbi-annually.
o No cash handlingcharges(USDollar,Euro,PoundSterling,UAEDirham& SAR).
o No restrictiononminimumnumberof transactions.
o Zakat isexempted.
MinimumDeposit:MinimumDepositRequired:
o USD: 500
o EURO: 400
o AED: 2,000
o GBP: 300
o SAR:2,000
Terms and Conditions:
o ForeignCurrency,currentorsavingsaccountsand time depositsmaybe establishedinUS.
Dollars,PoundSterling,Euroandsuchothercurrencies,asthe bank shall determine/allow
and inaccordance withthe local regulationsinforce fromtime totime.
o Profitonforeigncurrencysavingandtime depositispaidatperiodicintervalsasdetermined
by the bankand/ or uponrespective maturitydatesof suchdepositsatsuchrate as may be
determinedbythe Bankfromtime to time.
o ForeignCurrencyaccounts/depositsare openedandmaintainedsubjecttoForeign
Exchange Regulationsanddirective of the governmentof Pakistan,oranyof its
organizations/agenciesandState Bankof Pakistanfromtime totime.

 UBLUniZarForeign CurrencyCurrentAccount:
UBL UniZar Foreign Currency Current Account is ideal for those customers and individuals who wish
to maintaina secure foreigncurrencytransactional account.Itis available in5 leadingcurrencies:US
Dollar, British Pound, Euro, Saudi Riyal and UAE Dirham.
Special Features:
o No cash handlingcharges(USDollar,Euro,PoundSterling,UAEDirham& SAR).
o No restrictiononminimumnumberof transactions.
o Zakat isexempted.
o Free Accidental DeathandDisabilityInsurance Coverage uptoRs.2.5 million.
MinimumDeposit:MinimumDepositRequired:
o USD: 500
o EURO: 400
o AED: 2,000
o GBP: 300
o SAR:2,000
Terms and Conditions
o ForeignCurrency,currentorsavingsaccountsand time depositsmaybe establishedinUS.
Dollars,PoundSterling,Euroandsuchothercurrencies,asthe bank shall determine/allow
and inaccordance withthe local regulationsinforce from time totime.
o ForeignCurrencyaccounts/depositsare openedandmaintainedsubjecttoForeign
Exchange Regulationsanddirective of the governmentof Pakistan,oranyof its
organizations/agenciesandState Bankof Pakistanfromtime totime.
 UBL UniZar Foreign Currency Term Deposit Receipt:
If you wishtomake a securedlongtermforeigncurrencyinvestment,UBL'sForeignCurrencyTerm
DepositReceiptisasmart choice,justmake an investmentandsee yourdepositgrow overtime.
Specialfeaturesinclude:
o Choose fromdifferentrange of currenciesi.e.USDollars,BritishPounds,andEurosetc.
o Term depositsinforeigncurrencyare offeredforthe followingperiodsof maturitywith
variable ratesof return:(1) Three Months(2) Six Months(3) Twelve Months
o There are nocash handling(CashDeposit&CashWithdrawals) chargesfromthe customers
o Avail differentattractive ratesdependingonthe currencyyouchoose
o Get the pleasure of availingthe bestratesof returninthe market
o Flexible optionsof rolloverorrenew the TDRat the time of encashment
o UBL offersthe widestreachacrossthe countrywithan increasingnumberof more than400
foreigncurrencydealingbranches
o You can withdrawfundsineitherforeigncurrencyorinPakistanRupees,whateveryour
requirementmaybe
o Zakat exempted
o For all FCY Term Deposits,fixedrate of returnonbookingmonth'srate
 UBL FCY Uniflex:
UBL has introduced a checking account ideal for rate conscious individuals, traders, organizations,
monthlysaversandcustomerswhowanttransactionalflexibility. They cannow affordanamazingrate
of return,plusvalueaddedbenefitsonlyavailable fromthe UBLFCYUniFlex,theBestForeignCurrency
Savings Account.

UBL FCY UniFlex isespeciallydesignedinaway thatit will offerhigherreturnsonhigherbalances.
o Amazingtier-basedprofitrates
o Ease of cross-currencyconversions
o Monthlyprofitpaymentonaverage balance.
o Available inUSDollar,PoundSterling,EuroandUAE Dirham.
o Free servicesincludinge-statementsandoverthe countercashdeposits.
o Online fundstransfer(Ac-Ac) &paymentthroughCheque.
FCYUniFlexRates&Tenors:Fiverate tiersare offeredtoFCYUniFlex customers:
Projected Rates April 1, 2019
DepositTiers - UBL FCYUniFlex USD GBP EURO UAE Dirham
For monthlyaverage balancesup to5,000 1.00% 0.05% 0.001% 0.05%
For monthlyaverage balancesabove 5,000 up to 10,000 1.00% 0.05% 0.02% 0.05%
For monthlyaverage balancesabove 10,000 up to 25,000 1.10% 0.05% 0.02% 0.05%
For monthly average balancesabove 25,000 up to 100,000 1.30% 0.15% 0.02% 0.05%
For monthlyaverage balancesabove 100,000 1.40% 0.15% 0.02% 0.05%
* ProjectedRateswillbe announcedmonthlythroughUBLDepositsProjectedRate sheet
Terms&Conditions:
o Single andJointAccounts,Partnerships,JointStockcompanyAccounts(public/private),Sole
Proprietorships,ForeignMissions/DiplomatsandCharitableTrusts/Foundationsetcwhich
are exemptedfromincome tax are eligible.
o Thisfacilityisnotavailable toairlinesandshippingcompaniesoperatingin/throughPakistan
or collectingpassage andfreightinPakistanandthe investmentbanks,leasingcompanies
and Modarba companiesincludingthose whichhave beengrantedlicensetodeal inforeign
exchange.
o The Bank shall determinefromtime totime the rate of interest/return/profitpayable onthe
account/depositinaccordance withthe prevailingprofitandlosssharingrulesand
regulationsof the State Bankof Pakistan;as well asthe policiesof the Bankwhichare
subjecttochange fromtime to time.The accountholder/depositormustagree toaccept
such rate of interests/return/profitatthe time the change ismade.
o Profitwill be accruedonmonthlyaverage balance touchedduringthe monthandwill be
disbursedintocustomer’saccountonmonthlybasis,ata profitrate as permonthly
projectedrate sheet.
o The UBL FCY UniFlex accountcannotbe overdrawn.
o Accountsthat are closedinthe middle of amonthwill notbe eligible forany
interest/return/profitforthe brokenperiodof thatmonth.
o Regularcheck bookswill be providedasperSchedule of BankCharges(SOC).
o Customerscanconduct a maximumof three free of costwithdrawal transactionsinone
calendarmonth.For anywithdrawal above the thresholdof three customerdrivendebit

transactioninone calendarmonthfee chargesfor the respective USD,GBP,EURO, AED
account will be USD 5/-,GBP 3/-, EURO 4/-, AED 20/-.
o In case monthlyaverage balance isnotmaintainedi.e.USD500/-, GBP 300/-, EURO 400/-,
AED 2,000/- thenservice charge will be leviedasfollowsUSD5/-,GBP 3/-, EURO 4/-, AED
20/- respectively.
o All applicable taxesincludingWHT,FED and othertaxesleviedfromtime totime shall be
applicable.
o All transactions,includingthe above will be chargedasperthe Schedule of BankCharges
(SOC).
o The product will be governedinlinewiththe requirementsof FEManual/SBPinstructions.
 UBL Regular Term Deposits Receipt:
If you wishtomake a securedlongterminvestment,UBL’sTermDepositReceiptisthe smartchoice,
justmake an investmentandsee yourdepositgrow overtime.ByinvestinginUBL TermDeposit
Receipts.
Specialfeaturesinclude:
o Customercan now getan attractive rate of return
o Theirprofitispaidmonthlyona floatingrate basedonmoneymarketconditions
o They have the flexibilitytochoose fromawide range of tenors
o They can avail the RolloverorRenewedoptionatany time before encashment
o They can get yourTDR en-cashedatanytime before maturityperiod
o Avail differentattractive ratesdependingonthe tenoryouchoose
o Get the pleasure of availingthe bestratesof returninthe market
o Avail the servicesandfacilityof 9:00 am - 5:30 pm nonstop full service bankinginall UBL
branches(over1300) across the country
AvailableTenors:
o 1 Month,2 Months,3 Months, 4 Months, 5 Months and 6 Months
o 1 Year,2 Years,3 Years,4 Years, 5 Years, 6 Years, 7 Years, 8 Years, 9 Yearsand 10 Years
UBL Mahana Amdani Savings Account:
UBL New Savings Account is a unique monthly savings account, offering competitive high yield tier
based saving rates, primarily targeting rate conscious customers, who are also looking for
transactional flexibility.
Eligibility:UBLMahana Aamdani SavingsAccountcan be openedbythe following:
o Individual SingleandJointAccounts
o Partnerships
o JointStockcompanyAccounts(public/private)
o Gov’t Institutions(Federal/Provincial)
o Sole Proprietorship
o Self EmployedIndividuals
o Small andMediumEnterprises
o Salaried/RetiredIndividuals/Pensioners
o Housewives
o ForeignMissions/DiplomatsandAssociations/Clubs/Trusts,etc.

Minimumdenominationtoopenthisaccount: Thisaccountcan be openedwithminimumPKR100/-.
Minimum/maximumamountthatcanbedepositedinthisaccount: There isnominimumormaximum
balance limitforthisaccount.
Keyfeatures:Followingare the mainfeatures.
o TierBasedAccount
o HigherRate of Return
o Complete Transactional Flexibility
Profitcalculationmechanism:Profitcalculationmechanismisbasedonmonthlyaveragebalance and
profitwill be automaticallycreditedtothe accounteverymonth.
All fee related charges are applicable as per prevailing Schedule of Charges (SOC).
All rates are indicative and subject to change without any prior notice.
The methodof calculatingreturn/profitunderthe profit/losssharingschemeisgovernedbythe Bank
Rules under prevailing regulations/directives of the State Bank of Pakistan.
 UBL Basic Banking Account:
Basic BankingAccount(BBA) isconceptualizedtofacilitateandprovide basicbankingfacilitiesto
customersacrossPakistanwithoutthe requirementof maintainingaminimumbalance andcan be
openedatany UBL branch.These accountsare ideal forcustomerswithaneedof low numberof
monthlytransactionsespeciallystudents,housewivesandretiredpersonnel.
Specialfeaturesare:
o The minimuminitial depositatthe time of account opening istobe Rs. 1,000/-
o Basic BankingAccountwill be acurrent account
o There isno minimumbalance penaltyonUBL BBA accounts
o Maximumof two depositandtwowithdrawals(cashorclearing) permonthare allowedfree
of charge.However,anytransaction(cash or clearing) afterthose mentionedabove will be
chargeda flatfee of Rs.50/-, in additiontothe regularchargesof servicesasperSOC.This
charge will be systemgeneratedendof day,once the customerexhaustshisfreetransaction
limits
o BBA customerswill be allowedunlimitedfree ATMwithdrawalsfromUBL'sownATMs.
However,withdrawalsfromotherbanks'ATMswill be chargedas perthe existingSOC
(currentlyRs.15/- pertransaction).Annual feesincludingissuance andrenewal of ATMcard
will be chargedas perexistingSOC
o All otherbankingservicesprovidedwillbe chargedasperthe prevailingSOC
o Like the regularCurrentaccounts,UBL BBA will alsobe ZakatExemptaccounts
 UBL Asaan Account:
UBL AsaanAccountisanewandconvenientservicethroughwhichanyindividualcanopenanaccount.
Simply fill out a brief form and pay initial deposit as low as Rs. 100. UBL resolves to give maximum
ease and convenience to every Pakistani.
SpecialFeatures
o Flexibilityof OpeningCurrentorSavingsAccount
o No minimumbalance required
o No Fee forDebitCardIssuance
o No Service Chargesforaccountopeningorclosing

o Anyof the followingdocumentsmaybe usedasa proof of Identityforopeningof Asaan
Account:-
1. Computerized/SmartNational IdentityCard(CNIC/SNIC)
2. PakistanOriginCard(POC)
RulesoftheAccount:
o UBL AsaanAccountsare meantfor residentindividualshavingPakistani Nationalityonly
o One CNICholderisentitledtoOne UBL AsaanAccount(eitherassingle orjointlyoperated)
o A RegularUBL AccountholdercannotopenaUBL Asaan account(ineithersingle orjoint
account category).
o TransactionLimits/Turnover:-
o 1 - Total DebitperMonth: Rs. 500,000/-
o 2 - Total CreditBalance Limit:Rs.500,000/-
o ExceptionsforTransactionLimits/turnover:-
 InwardRemittances
 Creditof ProfitReturnonUBL Asaan SavingAccount
 Bank Charges,governmenttaxesorleviesfromcompetentauthority
o Restrictiononcrossborder(outward) transactionsexceptforCardbased-accountssubject
to above specifiedTransaction limits/Turnover.
o ProfitonUBL AsaanSavingAccountwill be disbursedatminimumsavingsrate;profitis
creditedonhalf-yearlybasisandiscalculatedonmonthlyaverage balance.
 UBL First Minor Savings Account:
UBL Firstis a savingsaccountopenedonbehalf of achildin the name of the fatheror motheror a
court-appointedguardianandthe minor.
UBL Firstis designedespeciallyforchildrenandaimsat becomingeverychild'sfirstbankaccount,
helpinginculcate asavingshabit.Itistailoredtomeetachild'sfuture financial needsinaplanned
and convenientmanner.
Specialfeatures:
o Everyaccount holderisentitledtoawelcome pack
o Two ATMDebitCards are provided;one isa speciallydesignedUBLFirstPocket-MoneyCard
(complimentary) forthe withdrawal of profitfromthe linkedaccount.The otherisa
standardATM DebitCard(optional) –thisallowsyoutowithdraw moneyfromthe principal
account
o Accountopening,birthdayandaccountanniversarysurprises
o Free E-statements
o The account holderisentitledtovalue addedservicesthatincludeInternetBankingfacilities
o No minimumbalance penaltyleviedonthe account
RulesoftheAccount:
o UBL FirstAccountcan be openedforanychildagedbetweenone dayand18 years
o UBL FirstAccountcan be openedwithaminimumamountof PKR100/-. There is nolimiton
the maximumamountof investment
o The cheque book(forthe principal account) andthe Pocket-MoneyCardwill be issued
jointlyinthe name of the minorand the father/mother/guardian
o The UBL First Pocket-MoneyCardcanbe usedto access the monthlyprofitincashfromany
ATM machine orbe usedfor shoppingatretail outlets
o The facilityof online use of DebitCardswill be available once registrationprocedureshave
beendulycompleted
o Profitiscalculatedonmonthlyaverage balance

SME Products and Services:
The servicesofferedunderthistagare speciallydesignedto helpsmallbusinessestomake public
more relax aboutarranginga financial aidforanybusinessneedhence helpingthe growthof
economy.
 UBL Karobar Loan:
UBL KarobarLoan is a solutionforeasyaccessof cash requiredtogrow your business.Itisexclusively
designed for small and medium enterprises keeping in view their business expansion and growth
plans. UBL Karobar Loan is available against mortgage of customer’s property including residential,
commercial and industrial.
SalientFeatures:
o Financingfacilityavailable uptoPKR30Mn
o Borrowingfacilityupto75% of your propertyvalue
o Immediate availabilityof financialsolution
o Runningfinance facilityandTermLoan
o For latestproductspricing,contactyour nearestUBL branch
o To facilitate SEcustomerourrelationshipmanagerswill assistinformulatingfinancial
statements
o Personalizedrelationshipmanagement
o Minimumage 21 yearsand Maximumage 60
o Minimum3 yearsof respective businessexperience
Requireddocuments:
o ValidCNIC
o BorrowerBasic Fact Sheet
o Copyof propertydocuments
o Financial statements
o Auditfinancialsincase of limitedcompanies
o Six monthsbankstatement
o Customerrequestletter
 UBL Sahulat Loan:
1. CashagainstSavings: UBL SahulatLoan givesyouaccessto cash while maintainingandgrowing
your savings.Youcan borrowagainstyour savingstomeetyourbusiness.UBLSahulat
facilityisavailableagainstdepositaccountandGovernmentSecuritiesincludingDSCs,SSCs
and RICs.
UBL Sahulat Loan gives the customer an opportunity for expanding and growing their business, to
meet your business working capital requirements and/or financing of business assets.
SalientFeatures
o Up to 90% financingavailable
statements

Requireddocuments:
o ValidCNIC
o Copyof liquid securitiesdocuments
2. UBL Smart Cash Loan:
FinancingfacilityagainstUBLMutualFunds:UBLSmart Cash offersyoueasyaccessto cash as youcan get
up to 85% cash againstyour investments/savingsinUBL Mutual Funds.SmartCash providesyoua
financial solutionwithflexibility.
UBL Smart Cash gives you an opportunity for expanding and growing your business, to meet your
business working capital requirements and / or financing of business assets
SalientFeatures:
o FinancingFacilityupto85% of yourinvestment
statements
Requireddocuments:
o ValidCNIC
o Lateststatementof UBL Mutual Funds
3. UBL Rice Husking Loan: UBL Rice Huskingloanis available forSmall &MediumEnterprise
(SME) customers.It’sexclusivelydesignedforrice huskingunitscarryingonbusinessasSole
Proprietorship,PartnershipandPrivate Limitedcompanieskeeping inviewtheirseasonality
businessgrowth.UBLRice Huskingisavailable topurchase paddyfromthe growersand
openmarketagainstmortgage of Rice HuskingMill.
SalientFeatures:
o Financingfacilitiesavailable uptoPKR25 Million&200 MillionforSE& ME respectively
o Pricing:3 Months KIBOR+ Spread
o Age : Minimum21 yearsand Maximum60 years
o Experience :Minimum3yearsof respective businessexperience
o Quickloanprocessing
Requireddocuments:
o CustomerRequestLetter
o ValidCNIC
o Borrower’sBasicFact Sheet

o AuditedFinancialstatements
4. UBL Cotton GinningLoan: UBL CottonGinningloanisavailable forMediumEnterprise(ME)
customers.It’sexclusivelydesignedfor cottonginningunitscarryingonbusinessasSole
Proprietorship,PartnershipandPrivate Limitedcompanieskeepinginviewtheirseasonality
businessgrowth.UBLCottonGinningisavailable topurchase phutti /raw cottonfromthe
growersandopenmarket againstmortgage of CottonGinningfactory.
SalientFeatures:
o Financingfacilitiesavailable uptoPKR200 Million
o Pricing: 3 MonthsKIBOR + Spread
o Experience :Minimum3yearsof respective business experience
o Quickloanapplicationprocessing
Requireddocuments:
o ValidCNIC
PrimeMinister’sYouthBusinessLoans:PrimeMinister’sYouthBusinessLoanscheme isaninitiativeby
Governmentof Pakistanforsmall businessesparticularlyunemployededucatedyouthfor
establishingorextendingbusinessenterprisestherebypromotingentrepreneurshipandreducing
unemployment&povertyinPakistan.
The scheme isplannedtoprovidebusinesssolutionforsmall businessenterprisesaddressingfinancial
requirementsforbusinesspurpose whichincludessettingupof new businessorexpansionof existing
business. All sectors including but not limited to small wholesalers, retailers, traders,manufacturers
of the SME segment with primarily focus on young entrepreneurs.
Applicant should have some experience of relevant field or holds a business rel ated
diploma/certificate pertaining trade of proposed business setup.
SalientFeatures
MaximumLoan amount PKR2 Million
FacilityType Term Loan
Borrower’sEquity 10% of Loan amount
Pricing 6% per annum
Security Guarantee and/ or Immovable Property
Collateral BusinessHypothecation

ApplicantAge 21 to 45 years
o Quickprocessing
Requireddocuments:
o PrescribedApplicationFormsignedbyCustomer
o ValidCNIC
o Bank statement
o FeasibilityReport
 UBL Wheat Financing for Flour Mills:
UBL WheatFinancingisavailableforSME.It’s exclusivelydesignedforflourmillscarryingonbusiness
as Sole Proprietorship,Partnership and Private Limited companies keeping in view their seasonality
businessgrowth.UBL Wheat financingisavailable forpurchase of wheatagainstfreshcrop from the
growers and open market against mortgage of Flour Mill.
SalientFeatures:
o Financingfacilitiesavailable uptoPKR25 MillionforSE & 200 MillionforME customers as
perSBP PR
o Pricing:3 Months KIBOR+ Spread
o QuickLoan Processing
Requireddocuments:
o ValidCNIC
 UBL Commercial Vehicle Financing for Business Segment:
UBL Commercial Vehicle Financingisavailable forSmall &MediumEnterprises(SME).It’sexclusively
designed for business segment carrying as Sole Proprietorship, Self-Employed keeping in view their
business requirement. UBL Vehicle Financing is available for purchase of commercial vehicles for
business purpose only.
SalientFeatures:
o Financingfacilitiesavailable uptoPKR5 Million
o Pricing: 1 YearKIBOR + Spread
o Simplifiedprocedure
o QuickLoan Processing
Requireddocuments:

o ValidCNIC
o 1 Photograph
o Audited/Un-AuditedFinancialstatements
o 1 Year bankstatement
 UBL Guarantee Discounting:
Financial Bank Guarantees issued in your favour can be discounted to gain access to cash for your
business needs. The BG Discounting Facility is be available to beneficiary of the Guarantee being a
manufacturing concern, distributor, wholesalers, dealer and supplier of goods of value on credit in
Pesticide and Fertilizer sectors.
SalientFeatures:
o Facilityisavailable withoutanycollateral otherthanthe BG itself
o Up to 90% financingavailable
o Facilityisavailable forPesticide &Fertilizersector
o Term Loan facility
o 180 daysmaximumfacilitytenure
o Minimumage 21 yearsand Maximumage 65 years
o MinimumDocumentationrequired&Convenientprocessing
 UBL Invoice Discounting:
UBL Discounting facilityis available against all invoices which have been submitted and accepted by
the buyer can be discounted with UBL giving their customers access to cash to meet their business
needs prior to realization of the actual invoices.
SalientFeatures
o Avail creditfacilityuptoPKR30 million
o Financingfacilityavailable upto 90%
o Facilityisavailable withoutanycollateral otherthanthe invoice itself
o Term Loan facility
o 120 daysmaximumfacilitytenure
o Minimumage 21 yearsand Maximumage 65 years
o MinimumDocumentationrequired&Convenientprocessing
Card Products:
UBL isthe mostexcitingandvibrantcardbrandinPakistan. Itoffersitscustomers arange of innovative
and exciting cards that are not only powered by the security of chip but also enable them to
personalize them any way you want.
 UBL Wiz Card:
UBL WizisPakistan'sfirsteverPrepaidDebitCardthatprovidesthe convenience,securityandbenefits
of an ATMand DebitCard,locallyandinternationally.More thanjustanATMcard, the customers can
use your UBL Wiz Card anywhere in the world where VISA & MasterCard are accepted.
Whether you are using it online, paying for petrol, shopping or dining, you are accessing money
directly from your prepaid card, without having to visit the bank.

Featuresand Benefits:UBL Wiz isthe 1st
PrepaidDebitCardin Pakistan.It isinstantlyavailable atall
UBL Online branches with the facility of re-load, allowsyou to spend online and at shopping outlets
and withdrawcashat ATMs. It isalso acceptedat all VISA and MasterCard locations internationally.
AvailabletoallCNICholders:All validCNICholdersinPakistancanowna UBL WizPrepaidDebitCard.
 UBLWiz–YourATMCard
UBL hasitsownnetworkof 1,400+ATMs in86 cities,whichcontinuestoexpandbytheday.Moreover,
UBL isalsopart of the 1 Link,MNET and VISA/MasterCardnetworks.Theseallow itscustomers touse
their UBL Wiz across Pakistan at more than 3,500 ATMs displaying the 1 Link and MNET logo and at
more than2 millionATMsin150countries.The UBLWizcardisalsoacceptedonall VISA&MasterCard
certified machines displaying the VISA Plus sign/MasterCard & Cirrus sign.
OnlineShopping:UBLWizprovides the customers convenience andsecuritytoshoponline.Inorderto
activate theircard foronline transactionneedtofollow the stepsbelow.
o You can requestforinternetregistration&sessionactivationbycallingatContact Centre
fromyour registerednumber,andspecifythe time periodandmaximumtransaction
amount.
o Contact Centre agentwill verifyyourcredentials(asperdefinedpolicy)andinitiateinternet
registrationrequestonsuccessful verification.
o Once the card isregisteredinsystemforinternetuse,youcanrequestforsessionactivation
on the same call.
o Aftersessionactivation,youcanundertake anyinternettransactionbyusingyourUBL WIZ
PREPAIDCARDwithinrequesteddurationandamount.
o Internetsessionwouldbecomeinactive assoonas the sessiontime/amountends.(session
automaticallygetsdeactivatedonexpirationof sessionperiod)
OtherFacilities
Mini Statement Payments - You can get a free of cost mini-statement that shows the recent
transactions on your Wiz Card, at any time through UBL ATM's.
UBL e-statement facility - UBL e-statements give you the flexibility to choose how frequentlyyou
wantto receive youre-statementsi.e.daily,weekly,monthly,quarterlyorsemi-annually.Thisfacility
is available absolutely free of cost for Wiz card holders!
Balance Enquiry - You can check the available balance in your account at any UBL, 1 Link or MNET
ATM and get a slip of your account balance.
Bill Payments - You can payyour utilitybillsusing your UBL WIZ Prepaid Debit Card at any UBL ATM.
Fee Structure:
Insurance Fee PKR.250/-
FundsTransferthroughATM WithinUBL PKR.50/- pertransaction
Outside UBL PKR.100/- pertransaction
CardReplacementFee
Normal PKR.250/- percard
Wiz Refundcharges PKR100/-

SwitchTransactionFee
Withdrawalson1 Link ATMotherthan UBL PKR.15/-
Withdrawalsonotherswitches PKR.15/-
InternationalUsageCharges
ATM Withdrawals 3.5% of transactionamount
POSPurchase
Purchase inCurrencyotherthan USD Free
Purchase inUSD & PKR 4% of transactionamount
InternetUsage(NotapplicableforInternetCard)
ActivationCharges PKR.0/- (Zero)
PersessionCharges PKR100/-
ChargeonDeclinedPOSTransaction
For Local - Incase of Low Balance and ExcessoverLimit PKR.5/-
For International-Incase of Low Balance and ExcessoverLimitPKR.35/-
Card Limits

Limits PKR
Maximum
balance
percard
200,000/-
Maximum
aggregate
loading
on card in
calendar
year(Bio-
Verified
Card)
500,000/-
Maximumaggregate loadingoncard incalendar
year(NonBio-VerifiedCard)
100,000/-
Loading/ Reloadingperinstance (Bio-Verified
Card)
100,000/-
Loading/ Reloadingperinstance (NonBio-VerifiedCard) 100,000/-

ATM withdrawal perday 40,000/-
POSusage per day 100,000/-
Internetusage perday 100,00
 UBL Wiz Virtual Prepaid Card:
Your online shoppingexperienceisnowsaferthaneverbefore.WithyourUBLWIZ Virtual Prepaid
Card, youdon’t needtoriskexposingyourDebitorCreditCarddetailsonthe internetforanyonline
transaction.
Unlike anyphysical card,the UBL WIZVirtual PrepaidCard allowsyouto conductonline
transactionswithoutactuallypossessingaphysical card.
If you are a UBL Accountholder,youcan getyour WizVirtual Cardevenif youhave an existingDebit,
PrepaidorCreditCard. Nolongerneedtoworryabout havinga physical cardthe nexttime youwant
to shoponline foryourfavourite things.The Wiz Virtual Cardisa digitallygeneratedCardnumber,
on whichthe balance can be loadedwiththe desiredamount.
UBL WIZ Virtual PrepaidCardcomeswiththe global powerof Mastercardallowingyoutospend
online,whenyouwant,andinthe wayyou wantto!
You can reloadthe balance onyour WizVirtual Card upto PKR 100,000/- at any givenpointintime.
Featuresand Benefits:The UBL Wiz Virtual PrepaidCardisthe firstof itskindservice inPakistan.
Withthe facilityof easyre-load,the UBLWizVirtual PrepaidCardallowsyoutospendonline,when
youwant, the wayyou want!Withthe global powerandtrustof MasterCard,yourUBL Wiz Virtual
PrepaidCardis readyforthe excitingworldof online shopping!
ProductHighlights:
o Instantissuance!No paperwork,NoForms& Nobranch visits.
o You can get upto 5 virtual cards issuedagainstyouraccount.
o Enjoypeace of mindand enhancedsecuritywhile shoppingonline.
o Can be usedfor internettransactionsinstantly
o Validonall online merchantswhereMastercardisacceptable.
o Receive Cardnumber,CVV &Expirydate withinfew minutesviacombinationof SMS& Email
on yourregisteredemail/mobilenumber.
o Easy to reloadandmanage.
o No fearof theft/misuseandlossof physical card.
o Limitedcreditexposure.LowRISK!
o Low cost & simple touse.
AvailabletoUBLAccountHolders: UBL Current& SavingAccountHolderscanget a UBL WizVirtual
PrepaidDebitCardsimplybyloginatUBL Netbankingorby callingat UBL Contact Centre
24x7ContactCentre: Youcan talk to an agentat UBL’s 24 hourContact Centre for:
o The issuance of UBL WIZ Virtual PrepaidCard(s),
o Balance Re-loadonthe Virtual Card.
o Closure of yourUBL WIZ Virtual PrepaidDebitCard.
o Anyqueriesorassistance regardingyourUBL WizVirtual PrepaidDebitCard.
OnlineUsage:UBLWIZ Virtual PrepaidCardprovidesyouconvenience andsecuritytoshopormake
paymentsonline.

On request,youwill receive yourCardNumber,CVV andExpiryDate withinminutesviacombination
of SMS & Email on your registeredemail/mobilenumber.Youcan use validdetailstotransact online
in a secure way.
UBL WIZ Virtual PrepaidDebitCardisvalidonall online merchants where Mastercard is acceptable.
OtherFacilities:
SMS Alerts - This facility is free of cost for all UBL WIZ Virtual Prepaid Card holders. You will receive
your transaction details and limit updates via SMS.
UBL e-statementfacility- You can viewyoure-statementonUBL Netbankingif you are a registered
Net banking user or you can contact UBL Call Centre.
Balance Enquiry - You can check the available balance on your UBL WIZ Virtual Prepaid Card by
logging-in at UBL Net banking or by calling at the UBL Call Centre.
Fee Structure
CardFee
Issuance Fee PKR.300/- + FED
ReloadFee Free
Wiz refundthroughPOcharges PKR100/- + FED
InternationalTransactions
Purchase incurrencyother thanUSD & PKR Free
ChargeonDeclinedTransaction
For Local - Incase of Low Balance and ExcessoverLimit PKR.5/-
For International - Incase of Low Balance and ExcessoverLimit
Card Limits

Limits PKR
Maximumbalance percard
(Bio& NonBio -Verified
Customer)
100,000/-
Maximumaggregate loading
limitforall WIZ/Virtual Cards
issuedbyUBL on single CNICin
a calendaryear (Bio-Verified
Customer)
500,000/-
Maximumaggregate loadinglimitforall
WIZ/Virtual CardsissuedbyUBL onsingle
100,000/-
PKR.35/-

CNICin a calendaryear(NonBio-Verified
Customer)
Loading/ Reloadingperinstance 100,000/-
Internetusage perday 100,000/-
 UBL Mega Wallet:
UBLVisaMegaWalletDebit: UBLVisaMega Wallet,hasall the convenience andsecurity customers
desire andthe quality they deserve.VisaMegaWalletDebitCardallowsyoutowithdraw cashup to
Rs. 40,000/- perday from the over10,000 ATMs across the country and at more than 1.5 Million
ATMs worldwide.VisaMegaWalletDebitcomeswithashoppinglimitof Rs.100,000/- perday.Now
youcan convenientlypaywithoutworryingaboutthe hassle of carryingcash.
Whatmore:
o Excitingdiscountsandalliancesatahost of merchantsacross Pakistan.
o Free accessfor cardholderand3 guestsat PortGrand, Karachi.
Features&Benefits: TransactionlimitsinPakistanof uptoPKR 140,000 per day (ATM&
POS/Ecommerce) perday(ATM& POS/Ecommerce)
 Shopall k withoutcarryingany cash
 Global image andassociation.
Global&LocalVisaAcceptability: UBLalreadyhasitsown networkof 1,400+ ATMs in90+ cities,which
continuestoexpandbythe day.Moreover,UBL Mega Walletisalsopart of the 1 Linkand VISA
networks.These allow youtouse yourUBL Mega WalletVISA acrossPakistanat more than 3,500
ATMs displayingthe 1Linklogoand at more than1.5 MillionATMsin 150 countries.Itisalso
acceptable onthe MNET networkof ATMs inPakistan. The Mega WalletVISA Cardwill alsobe
acceptable onall local VISA certifiedmachinesdisplayingthe VISA Plussign.
o SupplementaryCards: UBL VisaMega WalletDebitCardgivesyouthe facilityof havingupto9
supplementarycardsissuedagainstone primarycard.
o Multiple Cards: If you alreadyhave aUBL PremiumDebitMasterCard,youcan applyfora
UBL VisaMega WalletDebitCardas well.
o 24-7 Call Centre:UBL ContactCentre isa 24/7 service,providingaccessthroughcustomer
service representativestoperformahost of bankingservice atyourfingertips.
o E-Statement:Customerscanavail free e-statementfacilitiesatthe frequencyof theirchoice.
o Balance Inquiry: Inquire aboutthe availabilityof fundsorsimplygetaprintoutof your
account balance
o Mini Statement: Alsoavailabletoyouare printedstatementsof youraccountthat show all
recenttransactions.
o SMS Alerts:Cardholdersreceive SMSalertsoneveryPOStransactionandfundstransfer
conductedthroughthe UBL VisaMega WalletDebitCard.Additional alertsservicescanbe
subscribedthroughthe contact centre.
o Eligibility:UBL VisaMega WalletDebitCardisavailable toall new & existingaccount
holders.
Fee Structure
AnnualFee

Basic PKR.650/-
Supplementary(max.9) PKR.400/-
CardReplacementFee
Normal PKR.400/- percard
Withdrawalson1 Link ATMs otherthan UBL PKR.15/-
InternationalVISAUsageCharges
ATM Withdrawal 3.5% of transactionamount
POSPurchase
Purchase inCurrencyotherthan USD Free
InternetUsage
ActivationCharge PKR.0/- ( zero)
Persessioncharge PKR100/-
For Local - Incase of Low Balance and ExcessOver
Limit
PKR.5/-
For International - Incase of Low Balance and
ExcessOverLimit
PKR.35/-
FeeStructure
ATM PKR40,000

POStransactions/ Internet PKR100,000
InterbankFundsTransfer/Day
To UBL Account PKR100,000
 UBL Inter Bank Funds Transfer
Instantly transfer fundsthrough UBL ATMs:
The UBL Inter-BankFundsTransfer(IBFT) Service isbeingofferedthroughthe wide networkof UBL
ATMs to enable transferof fundsbetweenparticipating1linkmemberbanks,andall participating
bankATM / Debitcard holdersshall be eligible forthe service.
ThroughthisrevolutionaryATMservice,beingintroducedonthe 1 Linkforum, our customerswill be
able to:
o Transferfundsinstantlyintoanyotherbankaccount
o Receive fundsinstantlyintotheiraccountfromother banks
o
AllyouneedisyourUBLMegaWallet:UBLDebitCardallowstransferringfundsfromyouraccountto an
account inanotherbankthrough UBL ATMs, hassle free!WithUBL DebitCard,you can manage your
financessecurely,withdrawcashinstantly,and mostof all,remitfundstoaccountsto other1 Link
banks,nationwide.
 UBL Credit Card:
Pakistan’s1stChipCreditCard that guaranteesyoubothenjoymentandhighvalue.Itassuresyou
global acceptabilityinmore than22 millionestablishments worldwidein130 countriesandinmore
than 25,000 outletswithinPakistan.
CHIP basedcreditcardshave globallyproventobe the mostsecure way of conductingcreditcard
transactions.Thisunique hightechCHIPguaranteesyourfinancial securitywhileconducting
transactionsoncreditcards, bothwithinPakistanandaroundthe world.
Featuresand Benefits:
SupplementaryCards:Toshare the value,excitementandbenefitsof yourUBL CreditCardwithyour
lovedones,yourUBL CreditCardoffersyouup to 6 supplementarycards.Anyone withminimumage
of 14 yearscan be your supplementarycardholder.
For yourconvenience,bothyourown,andthe supplementarycardtransactionswill be clearly
itemizedinyourmonthlystatement.Thiswill letyouknow ata glance how the spendingtookplace
and whospenthowmuch,hence makingiteasiertomanage the spendingoneachof yourcards.
The more spendingthere isonyoursupplementarycards,the more Free RoadmilesorClassic
Rewardpointsare earnedonyour account.The limitonall supplementarycardscan be controlled
accordingto your instructionsatthe time of application,orlaterbya simple phone call toUBL's 24-
hour 'UBL ContactCentre'
24HourCustomerService: Bysimplycallingour24 hour'UBL Contact Centre'or loggingonto itswebsite
www.ubldirect.com,youcanavail the followingfacilitiesonyourUBL CreditCard,24 hoursa day,7
daysa week.
o Complete online accesstoyourcard account includingcreditcardtransactionsandbilling
statements
o Pay UBL Card bill
FreeTravelAccidentInsurance: Eachtime Cardmembersuse theirUBL CreditCard to purchase airline,
trainor bustickets,theyare automaticallycoveredagainstanysortof accidentthatmightbefall
themwhile traveling:

The coverage amountsare: ClassicCard:Up to Rs.3.5 MillionGoldCard:Up to Rs.7 Million
E-statements:UBL givesitscustomers optionof gettingstatementof theirCreditCardelectronically
that makesiteasierforthemto manage theirstatementsinhassle freepaperlessenvironment.
FreeCIPLoungeAccess:Take advantage of the special CIPLounge atKarachi,Lahore,Islamabadand
Multan Airportwithfree secretarialservices,freebuffet,internetconnection,readingmaterial and
24 - Hour porterfacilities.JustpresentyourUBLGold & Platinumcardat the lounge andenjoythe
privilegedtreatmentyoudeserve.
ZeroLossLiability: If youlose yourcard, you have nothingtoworryabout! UBL coversyoufromall
fraudulentchargesmade onyourcard as soonas youreportit lostto us. Somake sure thatyou
reportthe lossimmediatelyaftersuchanincident.RestassuredthatwithyourUBL CreditCard, you
are completelysecure againstlossandtheft.
UBLFamilySecurityPlan:Life ispreciousandbeautiful.However,itisfull of uncertaintiesand
unexpectedeventslifewhere aninjuryordeathof an earningfamilymembercancause serious
problems.Toprepare youagainstsuchuncertaintiesinlife,UBLCreditCard’sFamilySecurityPlanis
the ideal solution.Withthisplanyoucanensure aregularincome foryour familyinthe eventof an
unfortunate accident.
It givesyouthe flexibilitytocustomize yourplanbychoosingthe insurance planfrom UBL’s4 levels
of covers dependingonyourownfamilyneedswithwhichyouare mostcomfortable.
UBL PSO Auto Credit Card: Amongstitsmanyexcitingandunique features,yourUBLPSO Credit
Card providesaccesstomore than 29 millionestablishmentsworldwideincludingmore than 40,000
retail outletsincludingselectedPSOstationswithinPakistan,andabove 2millionATM’sforcash
withdrawal worldwide.
Rewards: Your UBL PSOCreditCard offersyoua hostof unique featuresandexceptional benefits
whichmakesitthe most rewardingcardin town.Everytime youbuyfuel onyour UBL PSO Credit
Card youget cash back rewards.
o 5% cash back is applicable if the PSOUBLAuto Creditisswiped atPSOService Stations only.
(5% cash back will be subjecttoa maximumof Rs.1,250/- per customerpermonth.)
o 1% cash back is applicable if the PSOUBLAuto CreditCardisswiped atall retail outlets. (1%
cash back will be subjecttoa maximumof Rs. 1,000/- percustomerper month.)
 UBL VISA Platinum:
Uppingthe ante onexcellence,the UBLPlatinumCreditCardblendspower,prestige andprivileges
withtimelesselegance
UBL Platinum Credit Card is designedto compliment your lifestyle with credit limits befitting your
stature, accompanied by the highest levels of services, unmatched rewards and myriad benefits; a
symbol of your past successes, your current achievements and your future ambitions.
Based on insights into the requirements of our most preferred customers, the UBL Platinum Credit
Card comes complete with a comprehensive bundle of benefits built around your needs and
expectations:
AirmilesReward Points
Whenyouspendon yourUBL VISA PlatinumCreditCardanywhere in the world,youare awarded
withAirmilesRewardPoints.ForeveryRs50/- spentlocally,youare awardedone rewardpoint
3x rewards onforeign spend
For every Rs50/- equivalentspentinternationally, youare awarded three rewardpoints.
Simplycontactthe 24hr PlatinumCustomerAssistance CentretoredeemAirmilesPoints.
While redeeming your Airmiles Reward points for travelling and lodging services , you have the
following options.

o Redeemthe entire AirmilesRewardPointsearnedtopurchase airtickets.
o Use youraccumulatedAirmilesRewardPointsforpartof the purchase and paythe balance
amountthroughyour UBL VISA PlatinumCreditCard.
Airport Facilities:Witha UBL VISA PlatinumCreditcardyoucan experience the luxuryof VIP
Loungesat Airportsall overthe world.Enjoyfacilitiessuchasbeverages,snacks,internet
connections,newspapers,entertainmentfacilitiesandmore whileyouwaitforyourflight.
o Free accessto CIP Loungeswithone guestatKarachi,Lahore,Islamabad& Multan Airports
on internationaltravel
o ComplimentaryPriorityPassmembershipforaccesstoover1,000 VIPairportlounges
worldwide.
 UBL Premium Debit Master Card:
UBL PremiumDebitMasterCard,nowwiththe powerandinternational acceptanceof MasterCardand
Cirrus! Your Premium Debit MasterCard has all the convenience and security you desire and the
qualityyoudeserve.PremiumDebitMasterCardallowsyouto withdraw cash up to Rs.200,000/- per
day through 10,000 ATMs across the country and at more than 1.5 Million ATMs worldwide.
PremiumDebitMasterCardcomeswith an advance shoppinglimitof Rs.200,000/- per day. Now you
can conveniently pay without worrying about the hassle of carrying cash.
Features and Benefits
o One of the highesttransaction limitsinPakistanof uptoPKR 400,000 per day
o Shop all you want, eatall you can or fill upyourcar tank withoutcarryinganycash
o Premiumglobal image andassociation.
MasterCardGlobalServices:UBLPremiumDebitMasterCardletsyouaccessMasterCardGlobal Services
while travellingabroad.
SupplementaryCards:UBL PremiumMasterDebitCardgivesyouthe facilityof havingupto 3
supplementarycardsissuedagainstone primarycard.
MultipleCards:If youalreadyhave aVISA card, youcan applyfora DebitMasterCard (eligibility
criterionapplies).The choice isyourstomake inorder have WalletVISA cardsimultaneouslywith
PremiumDebitMasterCard.
24-7 Call Centre:CustomerServicesare operative 24/7and provide accesstothe customerservice
representatives,whoperformall requiredactionsthroughfacilitiesavailableonUAN.
E-Statement:Customercan avail free e-statementfacilitiesatthe frequencyof yourchoice.
Balance Inquiry:Inquire aboutthe availabilityof fundsorsimplygetaprintoutof your account
balance.
Mini Statement: Alsoavailabletoyouare printedstatementsof youraccountthat show all recent
transactions.
SMS Alerts:Cardholders receive SMSalertsoneveryPOStransactionandfundstransferdone
throughtheirUBL PremiumMasterDebitCard.
Eligibility:UBL PremiumMasterDebitCardis available toall new &existingaccountholders.
Fee Structure
AnnualFee

Basic PKR.1000/-
Supplementary(max.3) PKR.650/-
FundsTransferthroughATM WithinUBL PKR. 50/- pertransaction
CardReplacementFee
Normal: PKR.650/- percard
Withdrawalson1 Link ATMotherthan UBL PKR.15/--
Withdrawalsonotherswitches PKR.15/--
InternationalMCUsageCharges
ATM Withdrawal 3.0% of transactionamount
POSPurchase
a)Purchase inCurrencyotherthanUSD and PKR
b)Purchase inUSD and PKR
Free
3.5% of transactionamount
InternetUsage
ActivationCharge PKR.0/- ( zero)
Persessioncharge PKR100/-
For Local - Incase of Low Balance and ExcessOver
Limit
PKR.5/-
For International - Incase of Low Balance and
ExcessOverLimit
PKR.35/-
Card Limit
WithdrawalLimits/Day
ATM PKR.200,000/-
POStransactions/ Internet PKR.200,000/-
InterbankFundsTransfer/Day

To UBL Account PKR.100,000/-
 UBL Signature Debit Master Card
ExclusivelydesignedanddevelopedforSignature Customers,thiscardisalsocustomers’Signature
ID. UBL Signature DebitMasterCardcomeswiththe powerandinternational acceptance of
MasterCard andCirrus!Your Signature DebitMasterCardhas all the convenienceandsecurityyou
desire andthe qualityyoudeserve.Signature DebitMasterCardallowsyoutowithdraw cashupto
Rs. 200,000/- per day through10,000 ATMs across the country andat more than 1.5 MillionATMs
worldwide.
PremiumDebitMasterCardcomeswithanadvance shoppinglimitof Rs.200,000/- perday. Now you
can convenientlypaywithoutworryingaboutthe hassle of carryingcash.
FeeStructure
AnnualFee
Basic Free
Supplementary Free
CardReplacementFee
Normal Free
Withdrawalson1 Link ATMotherthan UBL PKR.15/-
InternationalMCUsageCharges
ATM Withdrawals 3.0% of transactionamount
POSPurchase
Purchase in Currencyotherthan USD Free
Purchase inUSD & PKR 3.5% of transactionamount
InternetUsage
ActivationCharges PKR.0/- (Zero)
PersessionCharges PKR100/-

For Local - Incase of Low Balance and ExcessoverLimit PKR.
5/-
For International - Incase of Low Balance and ExcessoverLimit PKR.
35/-
International Bank Account Number IBAN:
The IBAN accountidentificationfacilityisagloballyacceptedstandardforbankaccounts,withthe aim
to facilitate banking transactions and reduce the time taken especiallyfor foreign and local funds
transfer transactions.
IBAN implementationwill not only provide your account greater security when you transfer funds
locally or internationally, but will also assist banks towards ensuring error free transactions.
Rural Banking
Agriculture isthe lifeline of Pakistan’seconomy;anditaccountsfor19.5percentof the grossdomestic
product(GDP) whichtranslatesintomore thanPKR6Trillion.Agriculture sectoremploys42.3percent
of the labour force and provides raw material for several value-added sectors.
UBL isverymuchcognizantof the importanceof the agriculture sectorforthe socialandthe economic
developmentof rural massesof country. UBL, as pioneerfinancial institute,hasalwaysremainedon
the forefront for serving the rural and agriculture sector in Pakistan.
Currently we have an extensive network of more than 600 Rural Branches engaged in providing
comprehensive "banking services to" the rural masses of Pakistan.
Transaction Banking
UBL TransactionBankingoffersinnovativeCashManagementcollection&paymentsolutionstoits
diversifiedclientbase.Usingworldclasstechnologyplatformandbranchnetwork,we convert
inventivepropositionintolucrativeventuresforourvaluedclientbase.Ourcustomercomposition
coversall businesssegmentslikecorporate andmiddle marketsegment,financial andnonfinancial
institutionsegmentandSME.
 Collection Solutions
UBL Cash Managementcollectionsolutionsenhance the client’scollectionprocessandmakesthe
bestuse of valuable client’sresources.Thesesolutionsoffercost‐effectivefundscollection,
improvedreceivablecycle,quickandenhancedreconciliationprocessthroughstate of the art
customizedreportingchannels.
 Payment Solutions
UBL Cash Managementpaymentsolutionsmeetsthe bulkpaymentprocessingneedof our
customersthroughan electronicallyintegratedpaymentinterface whichhelpsourclientsachieve
fastand efficientdisbursement,streamlinedprocesses,costsreductionandriskminimization.
UBL Ameen
At UBL Ameen, it strivestoattainthe premierpositioninthe IslamicBankingIndustrybyproviding
itscustomerswithpersonalizedservices,exceptional value andasense of securitybycateringtoall
theirfinancial needsthroughShariahcompliantproductsandservices.
 Ameen Mukammal Current Account
AmeenMukammal CurrentAccountisa checkingaccountwhichaimsto provide the necessarytools
to individuals,andcorporate customerstotransacttheirentire bankrelatedbusinessandpersonal
activities.Fundsreceivedare onthe basisof Qardh and are usedonlyinShariahcompliantbusiness.

KeyBenefits&SalientFeatures
o Accountcan be openedwithRs100/-
o No limitonnumberof transactions
o No minimumBalance requirement
o ATM/VISA DebitCard
o SMS Alerts
o Free E-statementfacility
o NetBankingfacility
o Accessto yourfundsthroughonline networkof over1,300 UBL branchesand 4,500 ATMs
across Pakistan
o 24/7 Call Centre facility
Followingfree ofcost servicesare available:
o FREE InterBranch Online Transactions –CountryWide
o FREE VisaClassicStandard DebitCard (Issuance,Replacement&Annual Charges)
o FREE Issuance of CashiersCheque /CBC
o FREE issuance of first25 leavesCheque Book
o FREE Overthe CounterCashDeposit
o FREE Cheque ReturnUnpaidFromPayee’sAccountinOutwardClearing
o FREE CleanBill ForCollection/IntercityClearing
o FREE Duplicate Cashier’sCheque /CBC
o FREE Duplicate AccountStatement
o FREE UBL Go GreenSMS Alert
o FREE Cancellationof CC/ CBC
 UBL Ameen Asaan Current Account
UBL AmeenAsaanCurrentAccountisa new and convenientaccountwhichcanbe openedbyany
individualwithsimplifiedAccountopeningformwithinitial depositof Rs.100/- Only.Fundsreceived
inthisaccount are on the basisof Qardh and are usedonlyinShariahcompliantbusiness.
Product Features& Benefits:Followingfree servicesare availableinthisaccount:
o FREE VisaClassicStandardDebitCard (Issuance,Replacement&Annual Charges)
o Flexibilityof openingCurrentAccount
o No minimumbalance requirement
o No service chargesforaccountopeningorclosing
o Minimumdocumentsrequired
 Ameen Asaan Savings Account

UBL AmeenAsaanSavingAccountisa new andconvenientaccountwhichcanbe openedbyany
individualwithsimplifiedAccountopeningformwithinitial depositof Rs.100/- Only.Fundsreceived
inthisaccount are receivedonthe basisof Mudarabah andare usedonlyinShariahcompliant
business.
Product Features& Benefits:Followingfree servicesare availableinthisaccount:
o Flexibilityof openingSavingAccount
o No service chargesforaccountopeningorclosing
o Minimumdocumentsrequired
o Profitcalculatedonmonthlyaverage balance andpaidhalf yearly
 Ameen Business Account
UBL AmeenBusinessAccount(ABA) isaMudarabahbasedaccount whichaimsat providingaShariah
Complianttool toindividualsandcorporate customerstotransacttheirbusinessactivitiesinamost
convenientandeconomical manneracrossPakistan.Fundsreceivedinthisaccountare receivedon
the basisof Mudarabah andare usedonlyinShariahcompliantbusiness.
KeyBenefits&SalientFeatures
o Accountcan be openedwithRs100/-
o Nominal profitcalculatedondailyaverage balance andpaidhalf yearly.
o No limitonnumberof transactions
Followingfree ofcost servicesare available
o FREE Cheque ReturnUnpaidFrom Payee’sAccountinOutwardClearing

Other Benefits
o ATM/VISA DebitCard
o SMS Alerts
o NetBankingfacility
o Free E-statementfacility
o Accessto yourfundsthroughonline networkof over1,200UBL branchesand 4,500 ATMs
across Pakistan
o 24/7 Call Centre facility
o Nonstopfull service (withinbanktiming)
UBL Net banking
It offersyouasimple,convenientandsecure waytomanage yourbankaccounts24/7 fromanywhere
in the world. UBL Net banking is the most trusted Internet Banking portal in the country primarily
because of its uniquely strong security features and an attractive list of transactions, including
• AccountInquiries&Statements • FundsInvestment
• FundsTransfer • e-IPOSubscription
• Bill Payments • School Fee Payments
• Mobile Top-up/Vouchers • UBL LoanRepayments
• Online ShoppingPayments • Donations&much more
UBL alsooffers UBLDigital App whichbringsthe excitingfeaturesof Digital bankingonsmartphones.
UBL Digital enhancesthe financial libertyof our customersand enablesthemtomanage theirdigital
lifestyle anytime, anywhere while on the go.
Loans
UBL offersitscustomers avarietyof productsthat serves theirneed,whetherthey needcashfor
theirchildeducationormarriage,orthinkingof buyingacar of theirchoice or planningtopurchase
a house for themselves.
 UBL Cash Plus, Personal Loan Facility
UBL CashPlus isaunique termloanfinancingproductwhichoffersyoufeatures,optionsandflexibility.
Designed for salaried Individuals of companies maintaining payroll relationship with UBL, Cash Plus
term loan has everything that you can wish for.
A UBL Cash Plus loan, by nature a need based product, can be broadly classified as a non-end use
defined loan. It is clean, instalment based financing for a fixed tenor that provides customers with
convenient and flexible financial solutions for any intended need
SalientFeatures
o CleanLimitupto Rs. 2 Million
o QuickProcessing
o Competitive Rates
o Flexible RepaymentTerms
o No collateral requirements
o ComplimentaryCreditInsurance
o Processingfee onapproval
o Clubbingof income

EligibilityCriteria
o MinimumNetIncome:Rs.25,000
o Age:21 - 60 years
o Tenor:1 – 5 years
o Salariedindividualswhosesalariesare beingcreditedinUBL
DocumentationRequirements
o Signedapplicationform
o Loan declarationformduly signed
o Letterof Irrevocable StandingInstructions&Authorizationof AutoDebit
o Copyof CNIC
o SalarySlip(original orverifiedasoriginal seenbyBranchManager) and / or
o SalaryCertificate mentioningbreakup.Netsalarycreditedinthe accountshouldbe same as
mentionedinthe break-up.
o Employmentletteroremploymentcardor appointmentletterconfirmingthe required
tenor.
o 12 monthsbankstatementreflectingconsistentsalarycredit.
Pricing
Fixed Rate: Fixedrate pricingwill be offeredtothe customersandthe mark-uprate will be 27% per
annum.
Penalty&Charges:
Type of Penalty&Charges Amount& penalty%age
ProcessingFee PKR3,000/-
Late Fee (perInstalment) PKR1,000/-
 UBL Address Home Loan Facility
Owninga house of yourveryownis a cherisheddream.A lotof planningandhard workisinvolved
inmakingthisdreamcome true.That iswhy,at UBL we aim to make yourdecisioneasier,by
offeringyouthe rightingredientsthatcanhelpyourealize yourdreamwithabsolute convenience.
UBL Addressempowersyoutobecome the proudownerof a home by offeringavarietyof product
and pricingoptionsthatare flexible yetaffordable.So,choose the bestproductoptionandpricingto
suityour needs.
All productoptionsare amortizedandrange overa tenorof 3 - 20 years.
BuyingaHome:Why rentwhenyoucan buy? Buyinga home of yourchoice has neverbeensoeasy.
Witha maximumfinancinglimitof 70% youcan easilybuya house or apartmentthatbestfitsyour
requirements.So,goaheadand start the searchfor yourdreamhome because witheasyand
affordable installmentsyouneednotthinkof rentingahouse whenyou've gotUBL Address.
BuildingaHome:Have youeversettledforanythinglessthanperfect?There'snothinglike building
your perfecthome,yourway.Witheverydetail inplace like the elegantFrenchwindowsorthe
perfectlymanicuredlushgreenlawn,justthe wayyou've alwaysimagined.Bychalkingoutwell
plannedfundtranchesateach phase of the buildingprocess,UBLAddressbringsyouyourdream
house one stepcloser.

RenovateHome:Give yourhome a newlook.Renovate yourroomsyourway.UBL addressgivesyou
the perfectsolutiontoredesignorrenovate yourhome justthe wayyoulike.Youcanapplyfor
financingof upto PRK 10 millionandmake yourdreamcome true.
For more information,call usat111-825-888 (UAN).
BalanceTransferFacility
Transferyourcurrent home loanthat youhave takenfromother Banksand Developmental Financial
Institutions(DFIs) toUBL and save money.
MarkupRates:FloatingRate issubjecttoannual revisionfromthe time of loanbooking.Anychange in
the markup islinkedtoKIBORhence there couldbe anupwardor downwardrevision(if required)
aftereverytwelve (12) monthsfromthe date of the loan booking.
Markup rates are calculatedbasedonthe prevailingone-yearKarachi Inter-BankOfferedRate
(KIBOR*) whichistakenas the base rate.A marginthat variesfromone pricingoptiontoanotheris
chargedoverand above the base rate, the detailsof whichare as follows:
Segments Docs Required
Salaried KIBOR+ 3.5% = Applicable Mark-upRate
SEB/SEP KIBOR+ 4.5% = Applicable Mark-upRate
The applicable markuprate will be the rate prevailingatthe monthof booking.Thiswill be
communicatedtothe applicantthroughthe RepaymentSchedule -
To knowmore about the applicable ratesforvariouspricingoptions,pleasecall UBLPhone Banking
at 111-825-888.
* KIBORisdefinedasthe average rate "ask side"forone-yeartenure aspublishedonSBPPage
KIBORor as publishedbyFinancial MarketAssociationof Pakistanincase SBPPage inunavailable.
Penalty&Charges
Type of Penalty&Charges Amount& penalty%age
Late Fees(perinstalment) Rs. 1,200
Appraisal Charges Rs. 4,000 (Non-refundable)
Legal Charges Rs. 4,000 or at actual

Life Insurance Optional
PropertyInsurance Complimentary
ProcessingCharges Rs. 7,500 (Nonrefundable)
Partial Payoff
If a customerdecidestopartiallypayoffany
amountthat isin excessof his6 monthly
instalments,he/shewill be chargedapenaltyof
8% in the firstyearof the loanbookingdate,5%in
the secondyearand 3% in the thirdyear onwards,
on hisadditional partial paymentamount
EligibilityCriteria
o Minimummonthlyincome:Rs.50,000
o Age:23 to 65 years
o ResidentPakistani
o Self-employedbusinessman/professional orsalariedindividual
o Minimumloansize:Rs.1,000,000
DocumentationRequirements
o CopyOf NIC
o Two recentPhotographseachof primaryas well asco-borrowers
o SignedLou(Letterof Understanding),whichstatesthe applicable rate atthe time of booking
of loan.
o OtherDocumentsare requiredtosubstantiate the lengthof business
o General Income DocumentsforSalariedandSEB/SEPare givenbelow.However,yourexact
DocumentationRequirementasperyourspecificSegment&Professionwill be
communicatedtoyouby our respectiveROs.
Segments Required
Salaried
 EmploymentCertificateconfirminglast12 monthsworkexperience
 Tax Documentforthe past 24 months
 CurrentSalarySlip
 Bank Statementforthe last12 months
SEB/SEP  Last 3 yearsTax AssessmentOrderorRegisteredPartnershipDeed

 SalarySlip/SalaryCertificate
 EmploymentCertificateconfirminglast12 monthsworkexperience
 Tax Documentforthe past 24 months
 CurrentSalarySlip
Repayments:At UBL, youare at the core of all ourendeavors.Thatiswhy,keepingyourconvenience
inmind,we are nowintroducingnewwaysforyouto make paymentsagainstyourUBL Address
loan.You can choose froma varietyof convenientchannelsformakingpayments,all of whichallow
youto save time and cost.
DropBox Facility:UBL Drop Box Facilityatour branchesoffersa hassle free andsecure cheque
depositsystemwhichgivesyouthe opportunitytopayyour UBL Addressrepaymentsontime,
withoutstandinginlong queues.
o Make cross cheque payable toUBL Address"
o Write your loannumberandname at the back of the cheque
o Drop the envelope containingyourcheque inthe UBL dropbox placedata branch nearyou
o Please dropyourcheque atleast3 dayspriorto your repaymentdue date inorderto
provide cushionforcheque clearing.
InternetBanking: UBL netbankingwill give youthe opportunitytoconvenientlypayyourbillson
time,throughthe internet.Repaymentsthrough netbankingare simple,fastandconvenient.
Simplylogonto yournet bankingaccount.Incase, youstill haven'tsignedupfor netbanking,please
visitourwebsite:www.ubl.com.pk/ebanktosignup.Clickon"GETTING STARTED" and follow the
instructions.
Once loggedin:
o Clickon "PAYBILLS & DONATIONS"
o Clickon "ADDUBL BILLS"
o In "Bill Type"select"Address"fromthe drop-downbox
o Enter your8-digitloannumber(e.g.00000123) withoutthe "MTG" prefix
o Once your "UBL Address"bill idhasbeenaddedtothe list youcan make repaymentsevery
month
TargetCities(PropertyLocations): The propertyofferedformortgage mustbe ina targetedareaof any of
the followingcities:
o Karachi
o Lahore
o Islamabad
o Rawalpindi
o Faisalabad
 UBL Drive Auto Loan:
WithUBL Bank competitivecarloan,we provide the bestpossiblefinancingsolutiontomake your
dreamcar a reality.Benefittodayfromthe mostappealingfeaturesintownandgetthe keysof your
dreamcar at a glance!
Features
o Loan available onflexibleandfixedrates
o Up to 80% financing
o Instalments spreaduptoa periodof 7 years
FloatingMark-up rates
ExistingCustomers 1 yearKIBOR*+6%

Newto BankCustomers 1 yearKIBOR*+7%
FixedMark-up rates
Relationship 1-3 Years 4-7 Years
Existing 15% 16%
Newto Bank 16% 17%
*KIBOR One Year (Ask Side) prevailingonthe last working day of the month prior to the booking,
ProductBenefitsandFeatures
1. Financingavailable forall New&used(Local),andImportedCars
2. MinimumDownPayment(20%)
3. Maximumfinancingtill Rs5.00 Million
4. Financingperiodis1-5 years
5. Choice of reputable insurance companiesatcompetitive rates.
6. Quick processingandminimal documentation
RequiredDocuments
SalariedCustomers Self EmployedProfessional/Business
Two recentphotographs Two recentphotographs
Copyof ComputerizedNational
IdentityCard
Copyof ComputerizedNationalIdentityCard
EmploymentProof Acceptable proof of business
Experience Letter Bank statementof last1 year
Bank statementof last1 year RegisteredorunregisteredPartnershipDeed
UBLDriveEligibility
SalariedCustomers Self EmployedProfessional/Business
Age Criteria:21-60 Age Criteria:22-65
JobStatus: Permanentonly JobStatus: NA
SalaryIncome:Rs 35,000 per
month
SalaryIncome:Rs 50,000 permonth
Lengthof Employment:Min06
months
Lengthof Business:2years
DBR: Max 50% DBR: Max 50%

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