SERVICE CHARGES

Products & Services

Charges In USD /EURO/GBP

Charges In Afghani

1. Account Opening Charges

Savings Account

Free of Charges

Free of Charges

Current Account

Free of Charges

Free of Charges

Time Deposits

Free of Charges

Free of Charges

Issueing of Call Deposit

USD 10

AFS 500

Salary Account

Free of Charges

Free of Charges

2. Account Maintanance Charges

Savings Account

Free of Charges

Free of Charges

Current Account

Free of Charges

Free of Charges

3. Pass Book Issuing Charges

Savings Account

Free of Charges

Free of Charges

Current Accounts

Free of Charges

Free of Charges

4. DUPLICATE Pass Book Issuing Charges

For  All types of accounts

USD 5

AFS 250

5. ID Card Issuing Charges

Savings Account-ID Card

Free of Charges

Free of Charges

Current Accounts-ID Card

Free of Charges

Free of Charges

6. DUPLICATE - ID Card Issuing Charges

Savings Account-ID Card

USD 5

AFS 250

Current Accounts-ID Card

USD 5

AFS 250

7. Minimum Balace Requirement

Savings Account

USD 100

AFS  5000

Current Account

USD 200

AFS  10000

Time Deposits

USD  1000

AFS 25000

SF- Salary  a/cs

No minimum balance requirement

No minimum balance requirement

8. Penality for Non-Maitenance of Min Bal

Savings Account

USD 5

AFS 250

Current Account

USD 10

AFS 500

9. Account Statements:

Savings Account Statement

Free of Charges

Free of Charges

Current Account

Free of Charges

Free of Charges

Duplicate Statements

USD 5 per month or Max 5 pages for any No of Months

AFS 250 per month or Max 5 pages for any No of Months

10. Cheque Books

Cheque Book of 20 leaves

Free of cost for First one Cheque Book and after that each cheque book will be at USD 5

Free of cost for First one Cheque Book and after that each cheque book will be at AFS 250

Issue of Cash Order/Bankers cheque

USD 20

AFS 500

Charges per one withdrawal of cash, in case total no. of withdrawals exceed 50 in a half year period in Savings Bank Account

USD 1

AFS 25

11. Stop Payment Instruction

USD 10 Per Instruction

AFS 500 per instruction

12. Standing Instructions

Standing Instructions

USD 5 per transaction / instruction + remitting charges if any

AFS 250 per transaction / instruction + remitting charges if any

Standing Instructions :Internal Transactons

Free of Charges

Free of Charges

Service Charges per occasion for inability to carry out standing instructions due to insufficient balance in the account.

USD 2 per occssion

AFS 100 per occasion

Service charges per one transaction involving credit to another account with other branches of the bank/other banks in respect of standing instructions

Free of Charges

Free of Charges

13. Account Closure

Account closing (except in case of death)

UUSD 10

AFS 500

14. Cash Withdrawal

Minimum amount of cash withdrawl from Savings/Current A/C (not at the time of closure of Accounts)

USD 10

AFS 100

Service Charges per half year for allowing operations in account through "Mandate"

USD 10

AFS 250

Minimum Overdraft Interest in Current Account

USD 10

AFS 250

The minimum amount accepted for fixed/short deposit

USD 500

AFS 10000

Service Charges for issuing a duplicate deposit receipt

USD 10

AFS 250

Service charges per one occasion for adding or deleting a name in the fixed/short term/recurring deposit account

USD 5

AFS 100

Balance Certificate/Interest Certificate

Free once in six months                                       (any other time ) 10

Free  once in six months                          (any other time ) 250

15. Remittances (International Funds Transfer)

16. SWIFT – Outward Wire Transfers

0.15 % (Min $ 15.00 + SWIFT Charges) Min 20 Max $1000

NA

17. For non a/c holders-remittance allowed Maximum

USD 10,000 per transaction or USD 20,000 maximum in a month

NA

Follow up Swift on remittances at customer’s request

5 plus SWIFT Charges 5 = 10.

AFS 250 plus SWIFT Charges AFS 250 = AFS 500.

18. SWIFT – Inward Wire Transfers

10 per inward message (up to 10,000)            20 per inward message (>10001 <  50,000)       30 per inward message over USD 50,001

Follow up Swift on remittances at customer’s request

USD 5 plus SWIFT Charges USD  5 = USD 10.

AFS 250 plus SWIFT Charges AFS 250 = AFS 500.

19. SWIFT – Inward Wire Transfers

20. Domestic Fund Transfers

Transfer to provinces (outward)

0.15 % of Face Value (Minimum USD 20)

0.15 % of face value (minimum  AFS 250)

Transfer from provinces (inward)

Free of Charges

Free of Charges

21. Letters of Credit

Imports

Letters of Credit (Issuance)

0.30% per Quarter (Minimum USD 300)    For Each Subsequent Quarter 0.25%

Revalidation

As of fresh L/C

Amendment

USD 50 + USD 15 SWIFT charges

Confirmation

As per confirming bank

Export

Advising

USD 50 Flat

Amendment

USD 50 Flat

Negotiation

0.25% of Bill Amount (Minimum USD 150)

Confirmation

0.25% of Bill Amount (Minimum USD 150)

Transfer of Export L/C

USD 50 Flat

Export collection clean

USD 50+ Courier Charges

Documentary collection

USD 30+ Courier Charges

Bills sent for collection

0.15% (Minimum USD 50)+ Courier Charges

22. Letters of Guarantee

Performance Gurantees

0.25% per quarter ( minimum USD 1000)+ Courier Charges

Equivalent of USD charges

Bid Bond, Advance payment Guarantees, and Standby Letters of Credit-Finacial Guarantees

0.30% per quarter (Minimum USD 200)

Equivalent of USD charges

Guarantees against 50 % Cash Margin

25 % of normal commission chargeable

25 % of normal commission chargeable

Guarantees against 100 % Cash Margin

USD 10 Flat

AFS 500 Flat

23. Collection of Cheques/Drafts  Etc

Cheques/Drafts 

0.10% (Minimum USD 25) + Courier Charges actual

0.10% (Minimum AFS 1000) + Courier Charges actual

Local Collection

Free of Charges

Free of Charges

If Returned Unpaid

 USD 10 plus Other Bank's actual Charges

AFS 500 plus Other Actual Bank Charges

Inward Documentry Bills Received for Collection

0.25% Min USD 50

0.25% Min AFS 2500

24. Lending Rates

Interest

Minimum 8% per year – maximum 24% quarterly componding.

Minimum 8% per year – maximum 24% quarterly componding.

commercial loans

consumer loans

agriculture loans

construction loans

house loans/education loans etc.

personal loans

25. Loan processing fee

Micro finance/Personal consumer loans up to USD 10,000

USD 100 Fixed

Equivalent of USD charges

All other commercial loans

0.05% of loan amount minimum USD 100

Equivalent of USD charges

26. Documentation Charges

Micro finance/Personal consumer loans up to USD 10,000

USD 50

Equivalent of USD charges

All other commercial loans

USD 100

Equivalent of USD charges

Inspection charges in respect of each inspection carried out by  bank officials for verifying the securities such as stock, book-debts, machinery, land & building, etc. of the borrowers other than borrowers under retail lending/Micro/Personal loan  schemes.

Free of charge

Free of charge

Penal Interest will be charged for delay in repayment of installment/interest.

2%on overdue amount from due date

2%on overdue amount from due date

Prepared and Recommended By

CFO / Dy. Chief Finance Officer

Chief Executive Officer

Date ;11.09.2008

Sanctioned & Approved BY

Chairman & Managing Director