Fixed Term Deposit Scheme

Profit Payable Monthly*

Deposit Period	Indicative Profit Rates
1 Year	10.00% p.a.*
2 Years	10.25% p.a.*
3 Years	10.50% p.a.*
Features: a) 90% financing will be allowed against the deposit. b) Issuance of Free ATM Card. c) 9 am to 5 pm banking facility available at all branches across the country. Note: The profit payment will be subject to the following conditions: i) Penal Interest @ 2.00% will be charged on pre-mature Term Deposit from the date of encashment till the date of maturity under this scheme. ii) Deduction of Zakat and Withholding Tax as per laws.

Special Notice Deposit Account

Deposit Period	Amount	Expected Profit Rate
7 - 29 Days	50,000/= and above.	4.00% p.a.
30 Days and over	50,000/= and above.	5.00% p.a.

Term Deposit Regular

Profit Payable at Maturity

Deposit Period	Amount	Expected Profit Rate
1 month	50,000/= and above	6.00% p.a.
3 months	50,000/= and above	7.00% p.a.
6 months	50,000/= and above	8.00% p.a.
1 year	50,000/= and above	10.50% p.a.
2 years	50,000/= and above	10.75% p.a.
3 years	50,000/= and above	11.00% p.a.

PLS Savings Deposit Account

Profit Calculated on Minimum Monthly Balance and Payable Six Monthly

Amount	Expected Profit Rate
Upto Rs.5000	2.00% p.a.
Rs. 5001 to Rs.50,000	4.00% p.a.
Rs. 50,001 to Rs.100,000	4.50% p.a.
Rs. 100,001 and Above	5.00% p.a.

Business Premium Account

Profit Calculated on Daily Product Basis, and Payable Quarterly

Amount	Expected Profit Rate
Rs. 1,000,001 to Rs.10,000,000	4.50% p.a.
Rs. 10,000,001 to Rs.50,000,000	5.00% p.a.
Rs. 50,000,001 to Rs.100,000,000	5.50% p.a.

or Rs. 100,000,001 & Above or for Corporate/Institutional Deposits, Please contact our nearest branch)

Special Deposit Accounts for Fixed Period

Profit Payable Quarterly

Deposit Period	Expected Profit Rate
1 Year	10.35% p.a.
2 Years	10.60% p.a.
3 Years	10.75% p.a.

Basic Banking Account (BBA)

In compliance with the directives issued by the State Bank of Pakistan via letter
 ref: BPD Circular # 30 dated November 29, 2005, we have introduced “The
 Basic Banking Account” (BBA) for low income group.

The Salient features of Basic Banking Account are as under:

a) The initial deposit will be Rs. 1000.

b) It will be a non-remunerative account.

c) No limit on minimum balance. In cases, where balance in BBA remains ‘nil’ 
    for a continuous six month period, such accounts will be closed.

d) There is no fee for maintaining BBA.

e) Maximum four deposit transactions and two withdrawls through cash/clearing 
    per month are allowed free of charges.

f) Unlimited and free of charge, ATM withdrawals from the bank's own ATMs. In case
   of withdrawal from BBA through the ATM of other banks,the respective other 
   bank will recover charges for such transactions.

g) Statement of account will be issued once in a year.

    If you wish to convert your existing account to Basic Banking Account, please
    give your instructions to the branch where your account is being maintained.

                  (For more details, Please Contact/Call our nearest Branch)