United Bank Limitted

ATM
You can use your UBL Wallet across Pakistan at more than 400 ATMs.

Branches in Bahrain = 03 Branches in Qatar = 02 Branches in Yemen = 03 Branches in UAE = 08 Branches in USA = 01

Youarehere: Banking Services / Card Products / UBL Wiz / Home

UBLWiz
UBL Wiz is Pakistan's first ever Prepaid VISA Debit Card that provides the convenience, security and benefits of an ATM and Debit Card, locally and internationally. More than just an ATM card, you can use your UBL Wiz everywhere VISA cards 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.
arehere: Banking Services / Card Products / UBL Wiz / Features & Benefits

Features&Benefits
UBL Wiz is the 1st Prepaid VISA Debit Card in Pakistan. It is instantly available at all UBL Online branches with the facility of re-load, allows you to spend online and at shopping outlets and withdraw cash at ATMs. It is also accepted at all VISA locations internationally.

Available to all CNIC holders

All valid CNIC holders in Pakistan can own a UBL Wiz Prepaid VISA Debit Card. An individual can purchase up to three cards at a time on his/her CNIC - one of each category, i.e. a person can have a single UBL Wiz Ladies, UBL Wiz Teen and UBL Wiz Travelers/Internet card at any given point in time.

24x7 Contact Centre

If you have any queries or need assistance with your UBL Wiz card, you can talk to an agent at our 24 hour Contact Centre at 111-825-888. You can also use the telephone next to all UBL ATMs and be instantly connected to our customer service representative via our hotline facility.

UBL Wiz Your ATM Card

UBL has its own network of 409 ATMs in 86 cities, which continues to expand by the day. Moreover, UBL is also part of the 1 Link, MNET and VISA networks. These allow you to use your UBL Wiz across Pakistan at more than 3,500 ATMs displaying the 1 Link and MNET logo and at more than 2 million ATMs in 150 countries. The UBL Wiz card is also accepted on all VISA certified machines displaying the VISA Plus sign.

Online Shopping
UBL Wiz provides you convenience and security to shop online. In order to activate your card for online transactions, you will need to sign up for the facility and enable your card.

Other Facilities
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 frequently you want to receive your e-statements i.e. daily, weekly, monthly, quarterly or semi-annually. This facility 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.
Youarehere: Banking Services / Card Products / UBL Mega Wallet / Home

UBLMegaWallet
Introducing the new UBL Mega Wallet Card, now with the International power of VISA

UBL Mega Wallet Reward-Mega Power, Mega Usage and Mega Rewards
With the new UBL Mega Wallet Card, a whole new rewarding experience awaits you. A revitalized and colorful design beckons you to a mega experience of power and rewards. Every time you use your card to withdraw cash or conduct transactions, you will be rewarded with points that can be redeemed for exciting gifts, part of Pakistan's first ever loyalty program on Debit Cards (to be launched soon). Not only that, we strongly value your relationship, and the excitement does not stop here; your other interactions with the bank will also be rewarded through points, for example, paying your bills on time or requesting a bank draft.

Available to All UBL Account Holders

UBL offers ATM and Debit Card facility to all account holders at all UBL branches anywhere in Pakistan.

Nine Supplementary Cards

UBL Mega Wallet VISA also gives you the facility of having up to 9 supplementary cards issued against one primary card. All supplementary cardholders will be able to conduct ATM/Debit transactions within the limits of the primary card account.

24 x 7 Contact Center
UBL's dedicated staff is at your service 24 hours a day, 7 days a week. You can call our contact center at 111-825-888 (UAN), or you can simply pick up the telephone placed next to all UBL ATMs and be instantly connected to our customer service representative via a hotline facility.

UBL Mega Wallet Your ATM Card

UBL already has its own network of 472 ATMs in 90+ cities, which continues to expand by the day. Moreover, UBL Mega Wallet is also part of the 1 Link and VISA networks. These allow you to use your UBL Mega Wallet VISA across Pakistan at more than 3,500 ATMs displaying the 1 Link logo and at more than 1.5 Million ATMs in 150 countries. It is also acceptable on the MNET network of ATMs in Pakistan. Your Mega Wallet VISA Card will also be acceptable on all local VISA certified machines displaying the VISA Plus sign.

UBL Mega Wallet Your Debit Card

With UBL Mega Wallet VISA as your debit card, you can shop all you want, eat all you can or fill up your car tank without carrying any cash. Simply use your UBL Mega Wallet VISA for direct debit from your bank account, along with the convenience of using signature based verification instead of a PIN (Personal Identification Number). The debit card facility is being offered in association with the Orix and VISA networks, which means that you can use your UBL Mega Wallet VISA to conduct a debit transaction at any outlet in Pakistan that displays the ORIX or VISA logos. The Orix network offers connectivity at more than 5,000 outlets across the country, whereas your UBL Mega Wallet VISA card is also acceptable at 22 million VISA merchant locations, local and international.

Funds Transfer
UBL Mega Wallet VISA allows three kinds of instant funds transfer through UBL ATMs from your UBL account Into any of your UBL account.

Into any other UBL account. Into any other participating 1 Link bank (through the new UBL Inter Bank Funds Transfer facility)

On confirmation, the amount from the cardholder account is instantly transferred to the beneficiary account.

UBL ATMs Accept All VISA Cards

In addition to the launch of the Internationally VISA powered UBL Mega Wallet card, we are also proud to announce that our UBL ATMs are now VISA certified and are geared up to accept all International VISA Debit and Credit cards. So great news for UBL Credit card holders - they can make cash advances through our UBL ATMs as well.

Other Facilities
Virtual Assistant UBL ATMs feature a Virtual Human Assistant, who guides you in conducting your ATM transactions SMS Alerts Receive SMS alerts on every POS transaction and Funds transfer done through your UBL Mega Wallet Debit Card. Balance Enquiry Inquire about the availability of funds or simply get a printout of your account balance. Mini Statement Get a printed statement of your account that shows all recent transactions. Fast Cash Swiftly withdraw your desired amount by selecting from one of the options of listed denominations.

Apply Now
To apply for UBL Mega Wallet VISA just: Call UBL's 24x7 Contact Center at 111-825-888 (UAN).

Visit your nearest UBL branch or If you already have an account with UBL Click here to download the UBL Mega Wallet VISA Application Form. Fill out the form and submit it at your UBL branch. Daily Limits (Rs.) ATM Withdrawal Debit Card Funds Transfer (UBL to UBL) Funds Transfer (UBL to other banks)
100,000

Annual Fee (Rs.)

Card Type Primary Supplementary

Mega Wallet 500 250 40,000 100,000 100,000

Youarehere: Banking Services / Card Products / UBL Credit Card

UBLCreditCard
Welcome to the world of UBL Credit Cards, the most exciting and vibrant credit card brand in Pakistan. We offer you a range of innovative and exciting cards that is not only powered by the security of chip but also enable you to personalize it any way you want. In order to get more information on our credit cards range, click on the following cards:

UBLCreditCard
Welcome to the world of UBL Credit Cards. Pakistan's 1st Chip Credit Card that guarantees you both enjoyment and high value. It assures you global acceptability in more than 22 million establishments worldwide in ...

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UBLGalleria
Being different was never so easy! Now UBL Credit Card gives you the flexibility to make a statement by letting you design your credit card in almost any manner you Galleria, by UBL Cards is Pakistan's first picture ...

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UBLPSOAutoCreditCard
The UBL Credit Cards team now brings Pakistan's 1st Auto Credit Card - UBL PSO Auto Credit Card. Keeping in mind the success story of our standard UBL Card, with annual fee wavier and free liters of fuel as ...

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UBLPlatinum
UBL Platinum Visa Credit Card is designed to guarantee the utmost level of services coupled with unmatched rewards and benefits to you lifestyles. With the Platinum Card, there is no limit to what your Credit Card can now do for you.

UBL PREMIUM DEBIT MASTERCARD

UBL Premium Debit MasterCard, now with the power and international acceptance of MasterCard and Cirrus! Your Premium Debit MasterCard has all the convenience and security you desire and the quality you deserve.

FEATURES & BENEFITS

One of the highest transaction limits in Pakistan of up to PKR 400,000 per day 16% discount at Avari hotels on a broad range of services 10% discount on net fares and other privileges through the Qatar airways frequent flyer Card Free access to business lounges at airports in Dubai Marhaba, Cairo and Kuwait and all CIP lounges across Pakistan Exclusive deals on high end retailers and services in Pakistan and worldwide discounts through MasterCard Moments and Global Premium Collection Enrollment into Pakistan's first debit loyalty program Premium global image and association

Alliances
On using your UBL Premium Master Debit Card you can avail 16% discount at all Avari hotels in Pakistan. Not only that you are also entitled to receive the Qatar airways frequent flyer card and various discounts at high end retailers across Pakistan.

MasterCard Moments
MasterCard Moments provides a variety of opportunity for UBL Premium Card holders to enjoy new experiences and to share treasured moments with your loved ones. MasterCard Moments works in alliances

with merchants to provide to provide exclusive, lifestyle-based special offers in the forms of discounts and deals in the following categories: Travel Luxuries Hotels, Airlines and Car Rentals

Recreational Pleasures Golf, Movies, and Adventure Sports Gourmet Experiences Fine dining restaurants Wellness and Relaxation Spa's and Retreats Retail Therapy Retailers and Merchants

Click here for further details.

MasterCard Global Services

UBL Premium Master Debit Card lets cardholder access your MasterCard whilst travelling abroad simply by calling the hotline which is available 24 hours a day, 365 days a year.

Supplementary Cards
UBL Premium Master Debit Card gives you the facility of having up to 3 supplementary cards issued against one primary card.

Multiple Cards
If you already have a VISA card, you can apply for a Debit MasterCard (eligibility criterion applies). The choice is yours to make in order have Wallet VISA card simultaneously with Premium Debit MasterCard.

24-7 Call Centre

Customer Services are operative 24/7 and provide access to the customer service representatives, who perform all required actions through facilities available on UAN.

E-Statement
Avail free e-statement facilities at the frequency of your choice.

Balance Inquiry
Inquire about the availability of funds or simply get a printout of your account balance.

Mini Statement
Also available to you are printed statements of your account that show all recent transactions.

SMS Alerts
Cardholders receive SMS alerts on every POS transaction and funds transfer done through your UBL Premium Master Debit Card.

Eligibility
UBL Premium Master Debit Card is available to all new & existing account holders.

Withdrawal Limits / Day

ATM PKR. 200,000/PKR. 200,000/-

POS transactions / Internet

InterBank Funds Transfer / Day

To UBL Account PKR. 100,000/-

Youarehere: Banking Services / Card Products / UBL Silah Mila

UBLSilahMila

umar

Remember the time when you were rewarded for your achievements - All simple. All instant. UBL has designed a campaign for the first time in Pakistan to acknowledge and reward customers who have shown excellent performance in their loan repayments with other banks. Customers who maintain good credit history with any bank in Pakistan on consumer products can qualify, based on a certain threshold of credit bureau scores. These customers are being offered rate breaks and instant rewards upon qualifying for UBL consumer products.

Rate Breaks

Product Existing Rate Discounts (only year only) 'UBL Silah Mila' Rate
33% 21%

UBL Credit Card 39% 24% 6% 3%

UBL Credit Card - BTF (Balance Transfer Facility outstanding balance transfer from other banks' credit cards to UBL Credit Card)

Instant Rewards / Lower Charges

Product Instant Rewards / Lower charges

Fuel worth Rs. 500/- on activation. Fuel worth Rs. 500/- on BTF on installments for an amount of Rs. 50,000/- and

UBL Credit Card

above.

UBL Credit Card & UBL PSO Co-brand Credit Card

The most exciting and vibrant credit card brand in Pakistan is not only powered by the security of a chip, but also offers a range of other benefits like SMS alerts service, security of internet transactions through VbV service, Lite installment plan, fuel redemption against reward points, etc. The credit card can provide you a credit limit up to Rs. 2 mln without any security requirement and is also available in a co-brand version with PSO co-branded credit card. Customers can also transfer their outstanding balances from other banks' credit cards to UBL Credit Card, depending upon their credit limit with UBL Credit Card, at a discounted rate offered through 'UBL Silah Mila' campaign.

LOANS

UBLAddress
HomeLoanFacility
UBL Address empowers you to become the proud owner of a home by offering a variety of product and pricing options that are flexible yet affordable. So choose the best product option and pricing to suit your needs.

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arehere: Banking Services / Consumer Loans / UBL Address / Home

UBLAddressHomeLoanFacility
Owning a house of your very own is a cherished dream. A lot of planning and hard work is involved in making this dream come true. That is why, at UBL we aim to make your decision easier, by offering you the right ingredients that can help you realize your dream with absolute convenience. UBL Address empowers you to become the proud owner of a home by offering a variety of product and pricing options that are flexible yet affordable. So choose the best product option and pricing to suit your needs. All product options are amortized and range over a tenor of 3 - 20 years.

Buying a Home
Why rent when you can buy? Buying a home of your choice has never been so easy. With a maximum financing limit of 70% you can easily buy a house or apartment that best fits your requirements. So go ahead and start the search for your dream home because with easy and affordable installments you need not think of renting a house when you've got UBL Address.

Building a Home
Have you ever settled for anything less than perfect? There's nothing like building your perfect home, your way. With every detail in place like the elegant French windows or the perfectly manicured lush green lawn, just the way you've always imagined. By chalking out well planned fund tranches at each phase of the building process, UBL Address brings you your dream house one step closer.

Land Plus Construction

What do you do with an empty piece of land? Construct your dream house with all the aesthetic details you've ever wished for. UBL Address helps you through every stage of construction by providing you with well planned out fund tranches so that you can better manage your construction.

Floating Rate
In this option, you get a fixed rate for a period of 12 months, which gets re-priced annually. (Upward or downward, only to the extent of Kibor).

Eligibility Criteria

Minimum monthly income: Rs.50,000 Age: 23 to 65 years Resident Pakistani Self-employed businessman/professional or salaried individual Minimum loan size: Rs. 500,000

Documentation Requirements

Copy Of NIC Two recent Photographs each of primary as well as co-borrowers Signed Lou (Letter of Understanding), which states the applicable rate at the time of booking of loan. General Income Documents for Salaried and SEB/SEP are given below. However, your exact Documentation Requirement as per your specific Segment & Profession will be communicated to you by our respective ROs.

Documentation Requirements

Copy Of NIC Two recent Photographs each of primary as well as co-borrowers

Signed Lou (Letter of Understanding), which states the applicable rate at the time of booking of loan. Other Documents are required to substantiate the length of business General Income Documents for Salaried and SEB/SEP are given below. However, your exact Documentation Requirement as per your specific Segment & Profession will be communicated to you by our respective ROs. Docs Required

Segments

Salaried

o o o o

Employment Certificate confirming last 12 months work experience Tax Document for the past 24 months Current Salary Slip Bank Statement for the last 12 months

SEB/SEP

o o o o o o o

Last 3 years Tax Assessment Order or Registered Partnership Deed Bank Statement for the last 12 months Salary Slip/Salary Certificate Employment Certificate confirming last 12 months work experience Tax Document for the past 24 months Current Salary Slip Bank Statement for the last 12 months

Markup Rates
Both Floating and Adjustable Rate Options are available. The Floating Rate Option is subject to annual revision from the time of loan booking. Any change in the mark up rate may be either upward or downward revision (if required) after every twelve (12) months from the date of the booking of the loan(upward or downward only to the extent of Kibor). Markup rates are calculated on the basis of the prevailing one year Karachi Inter-Bank Offered Rate (KIBOR*) which is taken as the base rate. A margin that varies from one pricing option to another is charged over and above the base rate, the details of which are as follows:

Segments Docs Required

KIBOR + 3.5% = Applicable Markup Rate KIBOR + 4.5% = Applicable Markup Rate

Salaried

SEB/SEP

The applicable markup rate will be the rate prevailing at the month of booking. This will be communicated to the applicant through the Repayment Schedule To know more about the applicable rates for various pricing options, please call UBL Phone Banking at 111825-888. * KIBOR is defined as the average rate "ask side" for one year tenure as published on Reuters Page KIBOR or as published by Financial Market Association of Pakistan in case Reuters Page in unavailable.

Penalty & Charges

Type of Penalty & Charges Amount & penalty %age

Rs.1000 Rs 5,000 Rs 5,000 Optional Complimentary Rs 5,000 (Non refundable) Max 6 monthly installments. Penalty charges apply on amount exceeding Rs 50, 000 or 6 monthly installments. 8% for Year 1 5% in Year 2 3% in Year 3 & onwards

Late Fees (per installment)

Appraisal Charges

Legal Charges

Life Insurance

Property Ins

Processing Charges

Partial Payoff

Repayments
At UBL, you are at the core of all our endeavors. That is why, keeping your convenience in mind, we are now introducing new ways for you to make payments against your UBL Address loan. You can choose from a variety of convenient channels for making payments, all of which allow you to save time and cost.

Drop Box Facility

UBL Drop Box Facility at our branches offers a hassle free and secure cheque deposit system which gives you the opportunity to pay your UBL Address repayments on time, without standing in long queues. Make cross cheque payable to UBL Address"

Write your loan number and name at the back of the cheque Drop the envelope containing your cheque in the UBL drop box placed at a branch near you

Please drop your cheque at least 3 days prior to your repayment due date in order to provide cushion for cheque clearing.

Internet Banking
UBL netbanking will give you the opportunity to conveniently pay your bills on time, through the internet. Repayments through netbanking are simple, fast and convenient. Simply log on to your netbanking account. In case, you still haven't signed up for netbanking, please visit our website: www.ubl.com.pk/ebank to sign up. Click on "GETTING STARTED" and follow the instructions. Once logged in: Click on "PAY BILLS & DONATIONS"

Click on "ADD UBL BILLS" In "Bill Type" select "Address" from the drop down box Enter your 8 digit loan number (e.g. 00000123) without the "MTG" prefix

Once your "UBL Address" bill id has been added to the list you can make repayments every month

Please note that from October 1, 2006 onwards, a fee of Rs.200 would be charged on all counter cash repayments of consumer loans at our branches.

Target Cities (Property Locations)

The property offered for mortgage must be located in a targeted area of any of the following cities: Karachi

Lahore Islamabad Rawalpindi Faisalabad

Please note that all branches in the above cities can be contacted for UBL Address.

UBLBusinessline
BusinessFinancingLoan
With UBL Business Financing facility, you can now take your business to greater and newer heights, and achieve the level of success that you truly deserve.

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arehere: Banking Services / Consumer Loans / UBL Businessline / Home

UBL BUSINESSLINE
Introduction
UBL Businessline is a complete solution to all your Business Financing needs. With UBL Business Financing facility, you can now take your business to greater and newer heights, and achieve the level of success that you truly deserve. UBL Businessline is a running Finance facility that not only provides funds for growth but also enables you to capitalize on profitable opportunities. With UBL Businessline, now you will surely say: " Ab Hui Kamiyaabi Meri Manzill".

What is Businessline?
"It is a 'Credit Line/ OD Facility' against Residential Property. It is an evergreen credit line that the customer can use for his/her business expansion"

Features
Utilize up to Rs.10 million:

Now, UBL Businessline credit line is here to solve all your cash flow problems. You can utilize up to Rs.10 million with the help of which you can now focus on your business expansion and growth.

LTV as high as 70%

UBL Businessline offers you the facility of availing a financing of up to 70 % of your property value. Now that you can avail a higher amount against your assets, you can plan your growth and expansion exactly the way you want to. In addition financing is offered to customers that are already availing a similar facility from any other bank.

Mark up on utilized amount only

With UBL Businessline, now you no more need to pay for the entire credit line that you own. Businessline gives you the facility to pay mark up only on the amount that you utilize.

Faster Processing
After completion of your documentation requirements, UBL Businessline promises you a very smooth and fast processing, hence saving you time and frustration.

Wide Accessibility
UBL Businessline's availability in major cities like Karachi, Lahore, Faisalabad, Islamabad & Rawalpindi, is complimented by UBL s countrywide branch network enabling our customer to access his account, and deposit or withdraw cash, no matter where he stands within the country.

Competitive Rates
At UBL, you come first, which is exactly the reason why we offer our customer such competitive rates that would facilitate him in leveraging his skills to the maximum and in bringing about the success that he deserves.

Eligibility Criterion
If you fall in the following criteria, then UBL Businessline is just the right choice for you Minimum monthly income: Rs. 50,000

Age: 25 55 Resident: Pakistani. Self Employed Professional / Self Employed Businessman.

Contact Now
For further information about UBL Businessline, call us at 111-825-888(UAN)

UBLCashline
RunningFinancingFacility
UBL Cashline is aimed to make your life easierZINADGEE ASAAN. Whether you are a salaried individual or a businessman.

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arehere: Banking Services / Consumer Loans / UBL Cashline / Home

UBLCashline
UBL Cashline is a flexible loan that provides you cash up to Rs.2,000,000 without any security requirements. It empowers you to take control of your finances. UBL Cashline is aimed to make your life easier ZINADGEE ASAAN. Whether you are a salaried individual or a businessman, UBL Cashline takes care of your cash requirements.

Cashline offers you

Flexibility

No fixed monthly installment. Principal repayment at your convenience. No prepayment penalty. Markup only on utilized amount. Worry free payment of bills, shopping, child's education, short-term business needs or just about any thing you can think of!

Empowerment

For the first time in Pakistan, you can now control your markup. Enjoy lower markup on higher utilization of funds. Markup calculated on daily outstanding balance. Continuous line of credit.

Convenience Instant access to cash through the entire UBL network. You will be given a cheque book and an ATM/Debit Visa Card which you can use at 900,000 ATMs and 22 million outlets worldwide. Unsecured /clean lending, no collateral required. UBL Netbanking

All UBL Cashline customers are automatically registered on UBL netbanking and can avail numerous netbanking features such as: Bill Payment

Funds transfer Account update Statement of accounts

How can you get Cashline?

Cashline is available everywhere in Pakistan If you are: A salaried person of 21 to 60 years and your monthly net salary is Rs. 100,000 or more; or

A self employed business person/professional of 21 to 65 years and your monthly net take home income is Rs. 100,000 or more.

In case of any queries simply call our customer services center at 111-825-888.

UBLDrive
AutoLoan
UBL Drive is a unique auto financing product which offers you features, options and flexibility unmatched by any other bank, because at UBL, You come first.

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here: Banking Services / Consumer Loans / UBL Drive / Home

UBLDrive
UBL Drive is a unique auto financing product which offers you features, options and flexibility unmatched by any other bank, because at UBL, you come first. Both fixed and floating rates are offered to our customers. At UBL we offer financing for new and used cars. Drives Car Replacement Plan is the slogan name for a premier auto financing product. Customers who intend to avail loan facility from UBL Drive under this variant can readily have their existing cars replaced after a year of financing.

UBL Drive IMC Alliance

Mark Up Fixed Rate and Floating Rate (Consult your nearest UBL Branch or IMC Dealership for updated rates) Minimum Equity 20% Tenure of Finance Min. 1 Year & Max 5 Years Processing Fee Rs.4000/- + FED Insurance Rates Competitive Insurance Rates. (Consult your nearest UBL Branch or IMC Dealership for updated rates) Priority Delivery

Fast Track Delivery

UBL Drive - Pak Suzuki Auto Finance Arrangement Program

Mark Up Fixed Rate and Floating Rate (Consult your nearest UBL Branch or Pak Suzuki Dealership for updated rates) Minimum Equity 20% Tenure of Finance Min. 1 Year & Max 5 Years Processing Fee Rs.3000/- + FED Insurance Rates Competitive Insurance Rates. (Consult your nearest UBL Branch or Pak Suzuki Dealership for updated rates) Priority Delivery Fast Track Delivery

UBL Drive (Standard Product)

UBL Drive is a unique auto financing product which offers you features, options and flexibility unmatched by any other bank, because at UBL, You come first. Both Fixed and Floating rates are offered to our customers. Floating rate is linked with the KIBOR.

New Car Financing

UBL Drive allows you to drive away in your own car by making a down payment of minimum 20% and to top that with low monthly installments. Pricing Plan (Fixed Rate)

Tenure 1 to 2 years
19% - 20%

3 to 4 years
19.5% - 20.50%

5 years
20% - 21%

Rate

Pricing Plan (Floating Rate) 1 year Kibor + 4.5% to 5.5% * Floating rate is revised annually.

Used Car Financing

With UBL Drive you can buy your favorite used car (up to 5 years old) at the most affordable rates. Pricing Plan (Fixed Rate)

Tenure 1 to 2 years 3 to 4 years 5 years

Rate

20% - 21%

20.5% - 21.50%

21% - 22%

Pricing Plan (Floating Rate) 1 year Kibor + 5.5% to 6.5% * Floating rate is revised annually.

Car Replacement Plan

Drive's Car Replacement Plan is the slogan name for a premier auto financing product. Customers who intend to avail loan facility from UBL Drive under this variant can readily have their existing cars replaced after a year of financing. Product Features Free Tracking Device Option will be provided to the customers on affordable rates. this will be done in collaboration with the insurance companies on our panel. Zero Pre-Payment Penalty No penalty will be charged from the customer if the loan is been paid off after a year. Payment Holidays A unique concept whereby which payment breaks will be given to the customers on occasions such as Eid etc. Payment Holidays will be given once a year to the customers. Payment Flexibility Whereby which the customer will be provided the flexibility to change the loan tenor, opt for partial payment of the outstanding principal amount. Insurance Options UBL Drive offers you the following insurance options: Comprehensive insurance

Insurance financing for the first year Discounted rates with free tracking device

Processing Charge Processing charges as per Schedule of Charges. Contact Us For more information, call us at 111-825-888 or visit our Web site at www.ubl.com.pk

UBLSilahMila
UBL has designed a campaign for the first time in Pakistan to acknowledge and reward customers who have shown excellent performance in their loan repayments with other banks.
arehere: Banking Services / Consumer Loans / Silah Mila

UBLSilahMila
Remember the time when you were rewarded for your achievements - All simple. All instant. UBL has designed a campaign for the first time in Pakistan to acknowledge and reward customers who have shown excellent performance in their loan repayments with other banks. Customers who maintain good credit history with any bank in Pakistan on consumer products can qualify, based on a certain threshold of

credit bureau scores. These customers are being offered rate breaks and instant rewards upon qualifying for UBL consumer products.

Rate Breaks

Product Existing Rate Discounts (only year only) 'UBL Silah Mila' Rate
33% 21%

UBL Credit Card 39% 24% 6% 3%

UBL Credit Card - BTF (Balance Transfer Facility outstanding balance transfer from other banks' credit cards to UBL Credit Card)

UBL Drive (Auto Loan) 1 Year KIBOR + 4.5% to 5.5% Up to 2% 1 year KIBOR + 3.5% 6 months KIBOR + 11.5% to 13.5% 1 year + 1.5% to 2.5%

UBL Cashline (Running Finance) - a facility providing cash upto 6 months KIBOR Rs. 2 mln without any security + 13.5% to 16.5% Up to 3%

UBL Address (Home Loan) - new loan as well as BTF 61 year KIBOR + 3.5% to 4.5% Up to 2%

Instant Rewards / Lower Charges

Product Instant Rewards / Lower charges

Fuel worth Rs. 500/- on activation. Fuel worth Rs. 500/- on BTF on installments for an amount of Rs. 50,000/- and above. 50% off on processing fee 50% off on processing fee 50% off on processing fee

UBL Credit Card

UBL Drive (Auto Loan)

UBL Cashline (Running Finance)

UBL Address (Home Loan)- new loan as well as BTF

UBL Drive
UBL Drive is a unique auto financing solution which offers product with pricing linked with KIBOR and features like Car Replacement Plan and free car tracking device. You will be able to avail UBL Drive for new & used car with flexibility unmatched by any other bank.

UBL Address
UBL Address empowers you to become the proud owner of a home by offering a variety of products (Buy-aHome, Build-a-Home and BTF) that are flexible yet affordable. So choose the best product option and pricing to suit your needs. The loan tenor ranges from 3 to 20 years.

UBL Cashline
UBL Cashline is a flexible Running Finance facility that provides you cash up to Rs. 2 mln without any security requirements. It also empowers you to take control of your finances. UBL Cashline is aimed to make your life easier ZINDAGEE ASAAN. Whether you are a salaried individual or a businessman, UBL Cashline takes care of your cash requirements. Please note that customers who maintain a good credit history in one or more products with a bank can qualify for the same or other products in UBL consumer products menu, depending upon fulfillment of the bank's debt burden / income criteria and other regulatory requirements. For example, a customer availing an auto loan with any Pakistani bank can qualify for another auto loan, credit card or any of the UBL's discounted consumer products listed above, based on his / her good credit history and other regulatory requirements. Note

Rate breaks and fee discounts are applicable for the first year only All charges, fees and government levies will be applicable as per bank's SOC and government regulations The campaign is valid for a limited period only, and can be withdrawn without any notice

Youarehere: Banking Services / Priority Banking

PriorityBanking
Signature, UBL's Priority Banking service is uniquely designed to meet the highest expectations of our high potential, high net-worth clients; wherever you may be. Launched as an independent brand, Signature offers focused and personalized Wealth Management Services for selected, high net-worth individuals in a completely secure and congenial atmosphere. Being preferred customers, our clients will be given exclusive benefits, free services and a range of value added facilities.
Youarehere: Banking Services / Corporate

CorporateBanking
Our mission is to serve all your corporate needs and ensure your full satisfaction through product innovation, personalized banking, and top notch service.

The CBG department of UBL defines corporate banking in Pakistan. Amongst the local banks UBL CBG is the pioneer in providing innovative solutions to its diversified and satisfied customer base. UBL CBG is considered to be a major player in the financial market of Pakistan. The Corporate Banking Group focuses on attracting and servicing large portfolio customers. Our forte is providing exemplary customer service using the "Single Window" concept and product superiority. The Relationship Management team manned by highly qualified individuals from the industry has steadily expanded our customer base and continues to enhance our cordial relations with our esteemed clients. Despite the sluggish economic growth in recent years, UBL outperformed all the other local banks in the corporate banking sector primarily due to CBG's emphasis on establishing and enhancing relationships with foreign/local blue chip and middle market customers thereby capturing significant market share. UBL's appetite for large exposures coupled with dedicated Structured Finance Unit, and an innovative team of professionals having extensive experience of Corporate Banking gives it the right platform to succeed in today's competitive and a demanding environment. The success of CBG has been established from the fact that UBL received the 'No.1 Euromoney 2000' Best Local Bank award and recognized it to have out performed all other banks. In year 2000, UBL was also voted as the best Corporate Bank by the customers of a major foreign bank in a survey. Aggressive marketing combined with professionalism has led to an increase in UBL's market share with top corporate customers and in some cases replacing Foreign Banks. Presently, its portfolio includes the quality names in the country, which were initially confined to foreign banks only.

Banking Services / Omni / Home

Omni-BranchlessBanking
UBL Omni now brings a host of banking services to your nearest "Dukaan". UBL Omni Dukaans are located in more than 600+ cities and towns across Pakistan. This is a major milestone in the evolution of banking that will reshape the traditional banking model by offering basic banking services across urban and rural Pakistan, well beyond the regular branch networks of banks. Customers across Pakistan can now open a UBL Omni bank account at any UBL Omni Dukaan of their choice, whether close to their home or place of work, by using their CNIC number and mobile phone number - their mobile phone number will effectively become their bank account number irrespective of which service provider they use. UBL Omni account holder will subsequently be able to deposit and withdraw cash, make utility bill payments, send or receive money, purchase mobile card vouchers, make postpaid mobile bill payment and much more by using diversified array of convenient channels which includes UBL Netbanking/ WAP, SMS, Contact Centre or ATM. No longer will they have to visit a bank branch to conduct their basic banking transactions nor will they be limited by standard banking hours. People without a UBL Omni bank account will also be entertained at a UBL Omni Dukaan where they can make utility bill payments, send or receive money, purchase mobile card vouchers and make postpaid mobile bill payments.

Youarehere: Banking Services / Retail Asset Products

RetailAssetProducts

UBL offers a diverse mix of agriculture based financial products. Financing is available for all seasonal crops across Pakistan. UBL Agriculture Finance aims to facilitate farmers via production and development loanswith flexible tenors and large amounts. There are also available Non-Farm loans for livestock and fisheries financing. With an extensive branch network across Pakistan and specially dedicated branches UBL Agriculture Finance is within easy reach. UBL also provides loans under the Small Business Scheme to individuals who wish to set up their own small business. These loans are on easy terms and aim at spreading prosperity throughout Pakistan by reducing unemployment.
arehere: Banking Services / Retail Asset Products / Agricultural

Agricultural
With over 20% of Pakistans GDP accounted for by agriculture, UBL realizes its significance to the countrys economy. That is why the bank offers a vast and diverse mix of agricultural based finance products. Whether it is production related financing for major and minor crops across the country or developmental requirements for land; purchase of equipment or machinery or livestock financing UBL has an agricultural product tailor-made to any requirements. With simple eligibility criteria and easy collateral requirements, the banks agricultural financing products are available across Pakistan. Visit any of our designated Agriculture Financing Branches and avail a product that is just right for you. Our qualified staff at each of these branches will ensure that all your financial requirements are taken care of efficiently.
arehere: Banking Services / Retail Asset Products / Agricultural / Agricultural Products

AgriculturalProducts
FarmLoans
Production Loan
Financing is available for Major and Minor crops across Pakistan. Main purpose of financing is to facilitate farmers to purchase Agri Inputs such as Seeds, Fertilizers, Pesticides, Sprayers, hired labor etc.

NIACF (Revolving Credit Scheme)

Loan Tenure 3 years Documentation once for 3 years. Cleanup once a year Option for the farmer to use limit as per requirement Markup is charged on amount used or withdrawn Minimum Amount PKR 30,000 Maximum Amount as per requirement of the farmer

NIADF (Demand Finance Production)

Loan Tenure 3 months to 1 year 18 months for Sugar cane only

Lump sum disbursement of the limit for a specified period. Repayment of loan in bullet payment on maturity (Principal and markup). Minimum Amount PKR 30,000 Maximum Amount as per requirement of Farmer

Development Loan
Land Development, Equipments and Machinery
Financing for Land Improvement, Water course improvement, Tube wells, Lift pumps, Deep turbine pumps, Cotton pickers, Godown, Cold Storage, Harvester, Thresher, etc Loan Tenure 1 to 5 years

Lump sum disbursement of the limit for a specified period. Repayment in installments (Principal with markup). Repayment mode monthly, quarterly and half yearly Minimum Amount PKR 30,000 Maximum Amount as per requirement of Farmer

Tractor & Vehicle Finance

To purchase Tractors, Delivery Vans, Mini Trucks, Motor Cycle and other vehicles used for marketing Agri Products Loan Tenure

1 to 3 years for Motor Cycle 1 to 7 years for Tractor 1 to 5 years for other 4 wheel vehicles Lump sum disbursement of the limit for a specified period. Repayment in installments (Principal with markup). Repayment mode monthly, quarterly and half yearly Minimum Amount PKR 100,000 Maximum Amount PKR 1,500,000

NonFarmLoans
Livestock Financing
Dairy Farming, Meat Farming, Fattening of Animals, Rearing of Animals, Construction of Sheds, Milk storage tanks, acquire and establish modern and efficient livestock facilities. Loan Tenure 1 to 5 years

Monthly / Quarterly repayment mode for Dairy Farmers Monthly / Quarterly / Half Yearly repayment mode for Meat Farmers Minimum Amount PKR 50,000 Maximum Amount as per requirement

Poultry Farm structure and equipments, Hatchery farm structure and equipments, Feed Mills, Purchase of Chicks, Feed, Medicines, Storage tanks, Cold storage, Construction of shed, etc. Loan Tenure 1 to 5 years

Monthly / Quarterly repayment mode for all loans Minimum Amount PKR 50,000 Maximum Amount as per requirement

Fisheries Financing
Fish seed, Fish feed, Manuring, Construction of pond, Curing and Dying by fishermen, etc.

SelectionCriteria
Eligibility

Should be a Pakistani & holding CNIC Preferably an account holder of UBL Permanent resident of the area Should be Agri land owner Self cultivator Minimum 3 years experience in relevant field Not a defaulter of any bank Have repayment capacity Able to produce proper securities / Passbooks / sureties

Collateral Requirement

Bank charge on Agri Land through Zarie Passbook Mortgage of Rural / Urban property other than Agriculture Land Hypothecation of Farm equipments with backup collateral Join registration of Tractor / vehicle with backup collateral Growers' loans against continuing Guarantee of Agriculture processing units Join registration of Tractor / vehicle with backup collateral Liquid Securities (Defence Saving Certificates, National Saving Certificate, etc.)

Terms & conditions

Clean CIB 1 to 3 years for Motor Cycle Markup payment frequency quarterly / half yearly for working capital loan Installment repayment frequency monthly / quarterly / half yearly / yearly for Term finance loans Minimum landholding 10 acres for Tractor Financing Equity for Tractor 10% Equity for 4 wheelers except Tractor is 25%

Youarehere:

Banking Services / Retail Asset Products / Small Loans

SmallLoans
Under the Small Business Scheme, UBL is providing loans on easy terms to those who wish to set up their own small-scale business. This scheme is aimed at spreading prosperity in the country by reducing unemployment. As more and more people start their own industrial units, the country will move steadily towards economic self-reliance.

Youarehere: Banking Services / Investment / Home

InvestmentBankingGroup
Established in 2002, UBL Investment Banking Group is one of the largest and most experienced investment banking groups in Pakistan. We are the only Pakistani commercial bank with an investment-banking desk in the GCC region. A dedicated specialist team of 19 investment bankers, with diversified academics and experience in Pakistan and UAE, has the expertise to cater to the needs of both domestic and regional clientele. With an award winning team, UBL Investment Banking Group possesses diversified industry experience, exposure to a wide array of landmark transactions and knowledge of broad range of products resulting in top-notch deal execution to provide quality investment banking services to its clientele. Our well established deal execution and distribution experience is evidenced by successful closure of over 161 debt and equity transactions amounting to USD 14,559 million during 2003 2010.

Why Clients choose us

Diversified Experience

Professional team of 19 investment bankers with diversified work experience including corporate banking, corporate & project finance, audit, accountancy, credit rating, equity advisory, placement and distribution of instruments, research and financial modeling Diversified product palette including project finance advisory, equity and debt advisory and business & transaction consultancy services.

Our Strong Deal Credentials

Proven ability to advise and arrange and arrange big ticket transactions as evidenced by our credentials Demonstrated capability and successful track record of advising domestic and foreign investors and government agencies One of the largest and most active advisors and arrangers amongst institutions operating in Pakistan's investment banking area

Regional Outreach

Presence in 10 countries world wide through 22 offices, including Meddle East, USA, UK, and Switzerland Only Pakistani commercial bank with investment banking presence in the GCC region

Supported by dedicated corporate and institutional relationship team across the Middle Easy in Dubia, Abu Dhabi, Qatar, Bahrain and Yemen

Youarehere: Banking Services / Deposit Products

DepositProducts
Our deposit product portfolio offers an eclectic mix for all types of financial requirements. Whether you are an individual interested in opening a savings account, or a businessman wanting to maintain a foreign currency account, or a small business with a requirement of a business account for your daily transactions, our deposit products offer you the range you require. Check out our extensive deposit products and services and find one especially suited to your needs.
here: Banking Services / Deposit Products / UBL Business Partner

UBLBusinessPartner
Over 1100 Online Branches In more than 400 Cities Your Account in every one of them To us reliability means unmatched accessibility, convenience and freedom.

Unlimited Real Time Online Banking

Access your account from over 1100 online branches in over more than 400 cities all across Pakistan for unlimited online transactions. With UBL Business Partner, your account moves with you. Wherever you go, we will follow. Enjoy total convenience at any online branch with: Instant Cash Deposits & Withdrawals

Country Wide Instant Funds Transfer Issuance of Pay Order, Demand Draft & Telegraphic Transfer Instant Cheque Clearance for all UBL Cheques Speedy clearing and collection of any non UBL cheque in any Online UBL branch Statement of Account Issuance / Balance Inquiry / Stop Payment of Cheques

Convenience of 9-5 Non-Stop Full Service Banking

Convenience of 9 a.m. to 5 p.m Non Stop Banking from Monday to Thursday, 9 a.m. to 12:30 p.m. & 3 p.m. to 5 p.m. on Friday and 9 a.m. to 1:30 p.m. on Saturday: Rupee Deposits & Withdrawals (both cheque & cash)

Issuance of Pay Order, Demand Draft & Telegraphic Transfer Locker Access Foreign Currency Cash Deposits & Withdrawals Foreign Currency Traveler's Cheque/Demand Draft Utility Bills Payment Consumer Loans / Credit Card Payment Statement of Account Issuance & Balance Inquiry Issuance of Hamrah Rupee Traveler's Cheques

The Current Account that offers FREEdom

UBL Business Partner comes with unmatched free* offers. We truly value your partnership and believe in offering you the preference you deserve. Now individuals and sole proprietorships can become our preferred Business Partner by maintaining Rs. 250,000/- or above in their current account and get the following services absolutely free! Unlimited Real Time Online Transactions

Issuance of Pay Order, Demand Draft & Telegraphic Transfer UBL Wallet ATM/Debit Card Cheque Book Collection / Clearing of Cheques Lockers, small, medium and large (subject to availability) No Cheque Return Charges 50% discount on UBL Credit Card Annual Fee

*Number of Free Transactions as per UBL Schedule of Charges

here: Banking Services / Deposit Products / UBL Business Partner Plus

UBLBusinessPartnerPlus
The UBL Business Partner Plus is a unique product with multiple benefits. It is a specialized current account, which aims at providing the necessary tool for individuals, traders, businessmen and commercial customers to transact their bank related business activities nationwide through a single platform. On maintaining a monthly average balance of Rs. 25,000 or more, avail a host of free services including: Unlimited number of cash withdrawal & deposit transactions through any UBL branch

Unlimited number of UBL cheque deposit transactions through any UBL branch Unlimited number of online funds transfers transaction country wide Wallet VISA Debit Card (Silver / Gold) issuance Unlimited number of Cashier's Cheque Issuance of cheque book Cancellation of Cashier's Cheque Cheque returned unpaid from payee's account in outward clearing Clean Bill for collection Duplicate Cashier's Cheque Duplicate account statement Issuance of Rupee Travelers Cheque (RTC) Transaction SMS

Note: Minimum balance charges of Rs. 50/- will be charged monthly if monthly average balance falls below Rs.25,000/-. For further information please feel free to call 111-825-888
arehere: Banking Services / Deposit Products / Rupee Transactional Account

RupeeTransactionalAccount

If you choose to keep a deposit in a secured savings account which also gives an attractive rate of return, then UBL's PLS Savings Account will serve all your financial needs. By keeping your deposits in UBL's PLS Savings Account you can also avail the following services:

Special features are

No limitation on withdrawals Share of profit is credited on half-yearly basis Profit is calculated on monthly balance UBL offers free accidental and permanent disability insurance to individual and joint account holders

921 branches 400 cities. Your Account in every one of them

Access your account from more than 921 online branches in 400 cities and towns across Pakistan. Our network is growing at an amazing pace and now you can avail services like: Issuance of Pay Order, Demand Draft, Money Transfer & Telegraphic Transfer

Country Wide Instant Funds Transfer Country Wide Instant Deposit / Withdrawal (both Cash & Cheque) Issuance of Statement of Account/ Balance Inquiry Stop Payment of Cheque Speedy OBC process for cheques of other banks within & inter city Now customers can deposit all UBL and non UBL cheques in any online UBL branch for clearing / collection

9-5 Non-Stop Banking

Banking at your own convenience has been made possible. UBL now offers 9-5 Non-Stop Full-Service Banking at all of branches (above 1000) across Pakistan. Cheques / cash (FCY & PKR) deposit & withdrawals

PO / DD / RTC issuance (all local currency remittance transaction) against cash Utility bill payment Statement of Account issuance Locker operation Foreign currency TC / DD issuance against cash *

*No FC trade or TT transactions are allowed in the second half of the day.

Timings

Monday through Thursday: 9 am to 5 pm Friday: 9 am to 1 pm & 3 pm to 5 pm Saturday: 9 am to 1:30 pm

Countrywide Instant Cheque Clearance

Submit a cheque in Karachi and get it cleared in Peshawar within minutes. With online banking services, you can get your cheque cleared instantly, without any hassle.

Instant funds transfer

Funds transfer was never this easy. Make payments or receive payments within minutes using our online facility. With the introduction of Internet Banking now funds transfer is even made easier and is just a click away. Contact your nearest UBL branch today for further details or call now: 111-825-888 (UAN). All rates are indicative and subject to change without any prior notice. The method of calculating return/profit under the profit/loss sharing scheme is governed by the Bank Rules under prevailing regulations/directives of the State Bank of Pakistan. Zakat & WHT will be applicable as per Government rules.
arehere: Banking Services / Deposit Products / UBL UniFlex

UBLUniFlex
UBL has introduced a new checking account ideal for small investors, traders, businessmen and customers from middle income group. You can now afford an amazing rate of return, plus value added benefits only available from the UBL UniFlex PLS Savings Account. Remarkable rate of return

Convenience of a cheque book Power of Wallet VISA ATM / Debit Card Online Banking Facility

UniFlex Rates & Tenors:

Four rate tiers are offered to UniFlex customers:

Average balance of the month (Rs.) Proposed rate April 2011*

6.00% 7.00% 8.00% 8.75% 9.50% 10.50%

Rs. 0 - Rs. 10,000

Rs. 10,001 - Rs. 100,000

Rs. 100,001 Rs. 500,000

Rs. 500,001 Rs. 1,000,000

Rs.1,000,001 Rs. 10,000,000

Above Rs. 10,000,000

* Projected Rates will be announced monthly through UBL Deposits Projected Rate sheet

Terms & Conditions

All individual and joint account holders and sole proprietorships are eligible for the UBL UniFlex Account (scheme); Corporations and partnerships are ineligible for the scheme. Only one UBL UniFlex account per Computerized National Identity Card (CNIC) will be allowed to be opened in UBL, regardless of the branch; no doubling shall be allowed even as joint account or a sole proprietor. The Bank shall determine from time to time the rate of interest/return/profit payable on the account/deposit in accordance with the prevailing profit and loss sharing rules and regulations of the State Bank of Pakistan as well as the policies of the Bank which are subject to change from time to time. The account holder/depositor must agree to accept such rate of interests/return/profit at the time the change is made. Profit will be calculated on monthly average balance and credited to account the following month on a monthly basis. The UBL UniFle x account cannot be overdrawn. Accounts that are closed in the middle of a month will not be eligible for any interest/return/profit for the broken period of that month. Wallet VISA card is optional; charges as per Schedule of Bank Charges (SOC). (Please apply on the regular Account Opening Form) Regular checkbooks will be provided as per Schedule of Bank Charges (SOC). Customers can conduct a maximum of three -free of cost - withdrawal transactions in a calendar month (inclusive of all instruments). These withdrawals include but are not limited to Net banking, cash withdrawal by an ATM, cash withdrawal over the counter, Inter Bank Funds Transfer (IBFT), clearing, collection, Online banking, Tez Raftaar, Tez Ibex, MT/DD/TT/PO/Online (UniRemote), RTC, etc. The bank will charge a sum of Rs. 100/- per transaction for any withdrawal above the threshold of three debit transactions in one calendar month. There is no limit for credit transactions in a month. All single debit incidents to an account will be considered as separate transactions except deductions by the bank for charging service fee, Withholding Tax and Zakat deductions. All transactions, including the three withdrawals allowed will be charged as per the Schedule of Bank Charges (SOC). The UniFlex Account Holder shall be required to maintain the minimum balance requirement of Rs. 10,000/- during each calendar month. Service charges where the average balance during the month is less than Rs.10,000/- shall be applied as per the Schedule of Bank Charges (SOC).

Youarehere: Banking Services / Deposit Products / UBL Unisaver

UBLUnisaver
UBL UniSaver Account is an innovative way of serving your banking needs. Be it trade, business or personal finance, the UBL UniSaver allows you maximum flexibility, yet gives you optimum returns.

Special Features are:

Innovative and flexible checking account Attractive rates of return Profit is calculated on monthly average balance Profit payment is on six monthly basis

Higher returns on higher balances Backed by the bank awarded AAA Credit Rating

Contact your nearest UBL branch today for further details or call now: 111-825-888 (UAN). All rates are indicative and subject to change without any prior notice. The method of calculating return/profit under the profit/loss sharing scheme is governed by the Bank Rules under prevailing regulations/directives of the State Bank of Pakistan. Zakat & WHT will be applicable as per Government rules.
Youarehere: Banking Services / Deposit Products / Certificate of Deposit

CertificateofDeposit
Now you can earn a higher income on your surplus cash by investing it in Certificate of Deposit which helps you earn extra income with your hard earned money, while providing absolute trust and security.

Two Types of Profit Payment Options:

Profit Payment at Maturity Monthly Profit Payment

Stable & High Rate of Return:

Avail one of the best and most stable rates of return by investing in CODs.

Wide Choice in Tenor of Deposit: 3 month to 10 Years!

You have the convenience of investing your money for the duration of your choice: anywhere from 3 months to 10 years.

Security
UBL understands the value of your hard earned money and continues to deliver on the promise of safety and security. UBL's A+ credit rating by PACRA ensures a secured investment for your money.

Easy Available Financing

You can take a loan against CODs for both your short and long term financing needs. You can avail financing up to 90% of your deposit at a very nominal cost, allowing you to earn high profits and still have the liquidity to meet your financial needs.

Easy Availability
UBL Profit CODs are available across the nation at 921 online branches in more than 400 cities across Pakistan. Simply walk into your nearest online UBL branch and make a smart investment through Certificate of Deposit (COD).

Free Insurance Coverage

All COD customers shall also be eligible for the UBL Accidental Death and Permanent Disability scheme.

For more information contact nearest UBL Branch or call now: 111-825-888 (UAN).
arehere: Banking Services / Deposit Products / Foreign Currency Savings

ForeignCurrencySavings
If you wish to make a secured long term foreign currency investment, UBL's Foreign Currency Term Deposit Receipt is a smart choice, just make an investment and see your deposit grow over time.

Special features include:

Choose from different range of currencies i.e. US Dollars, British Pounds, and Euros etc. Term deposits in foreign currency are offered for the following periods of maturity with variable rates of return: (1) Three Months (2) Six Months (3) Twelve Months There are no cash handling (Cash Deposit & Cash Withdrawals) charges from the customers Avail different attractive rates depending on the currency you choose Get the pleasure of availing the best rates of return in the market Flexible options of rollover or renew the TDR at the time of encashment Avail the services and facility of 9 - 5 non stop full service banking in all foreign currency handling branches UBL offers the widest reach across the country with an increasing number of more than 350 foreign currency dealing branches You can withdraw funds in either foreign currency or in Pakistan Rupees, whatever your requirement may be Zakat exempted For all FCY Term Deposits, fixed rate of return on booking month's rate Special Rates available from for USD 500,000 and above or equivalent UBL offers free accidental and permanent disability insurance to individual and joint account holders

Contact your nearest UBL branch today for further details or call now: 111-825-888 (UAN). All rates are indicative and subject to change without any prior notice. The method of calculating return/profit under the profit/loss sharing scheme is governed by the Bank Rules under prevailing regulations/directives of the State Bank of Pakistan. WHT will be applicable as per Government rules.
arehere: Banking Services / Deposit Products / Foreign Currency Term Deposits Receipts

ForeignCurrencyTermDepositsRec eipts
If you wish to make a secured long term foreign currency investment, UBL's Foreign Currency Term Deposit Receipt is a smart choice, just make an investment and see your deposit grow over time.

Special features include:

Choose from different range of currencies i.e. US Dollars, British Pounds, and Euros etc.

Term deposits in foreign currency are offered for the following periods of maturity with variable rates of return: (1) Three Months (2) Six Months (3) Twelve Months There are no cash handling (Cash Deposit & Cash Withdrawals) charges from the customers Avail different attractive rates depending on the currency you choose Get the pleasure of availing the best rates of return in the market Flexible options of rollover or renew the TDR at the time of encashment Avail the services and facility of 9 - 5 non stop full service banking in all foreign currency handling branches UBL offers the widest reach across the country with an increasing number of more than 350 foreign currency dealing branches You can withdraw funds in either foreign currency or in Pakistan Rupees, whatever your requirement may be Zakat exempted For all FCY Term Deposits, fixed rate of return on booking month's rate Special Rates available from for USD 500,000 and above or equivalent UBL offers free accidental and permanent disability insurance to individual and joint account holders

Contact your nearest UBL branch today for further details or call now: 111-825-888 (UAN). All rates are indicative and subject to change without any prior notice. The method of calculating return/profit under the profit/loss sharing scheme is governed by the Bank Rules under prevailing regulations/directives of the State Bank of Pakistan. WHT will be applicable as per Government rules.
here: Banking Services / Deposit Products / Regular Term Deposits Receipts

RegularTermDepositsReceipts
If you wish to make a secured long term investment, UBLs Term Deposit Receipt is the smart choice, just make an investment and see your deposit grow over time. By investing in UBL Term Deposit Receipts:

Special features include:

You get an attractive rate of return Your profit is paid monthly on a floating rate based on money market conditions You have the flexibility to choose from a wide range of tenors You can avail the Rollover or Renewed option at any time before encashment You can get your TDR en-cashed at any time before maturity period Avail different attractive rates depending on the tenor you choose Get the pleasure of availing the best rates of return in the market Avail the services and facility of 9 - 5 non stop full service banking in all UBL branches (over 1000) across the country UBL offers free accidental and permanent disability insurance to individual and joint account holders

Available Tenors

1 Month 2 Months 3 Months 4 Months 5 Months 6 Months 1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years 8 Years 9 Years 10 Years

Contact your nearest UBL branch today for further details or call now: 111-825-888 (UAN).
Youarehere: Banking Services / Deposit Products / Special Notice Deposits Receipts

SpecialNoticeDepositsReceipts
If you wish to park funds for a short term period then UBL offers Special Notice Deposit Receipts (SNDR). Special Notice Deposit Receipts are daily profit products with fixed notice period (7 Days and 30 days) and periodical profit payouts, governed under the rules of the profit and loss sharing (PLS) system.

Special features are:

Attractive rates of return Secure investment Profit will be disbursed on a half yearly basis Availability of options to invest funds for 7 days and 30 days SNDR can be en-cashed at any time before maturity period SNDR can be issued through a checking account UBL offers free accidental and permanent disability insurance to individual and joint account holders

Available Tenors

7 Days 31 Days

In case of premature encashment of 30 days SNDR, the profit will only be paid on the days the money stayed with the bank. However, no profit will be paid if any SNDR brought for encashment before 7 days. No profit on SNDR will be paid after the expiry of notice period if the deposit is not withdrawn.

Contact your nearest UBL branch today for further details or call now: 111-825-888 (UAN). All rates are indicative and subject to change without any prior notice. The method of calculating return/profit under the profit/loss sharing scheme is governed by the Bank Rules under prevailing regulations/directives of the State Bank of Pakistan. WHT will be applicable as per Government rules.
here: Banking Services / Deposit Products / UBL Basic Banking Account

UBLBasicBankingAccount
To accommodate the banking needs of low income groups, United Bank Limited is pleased to launch the UBL Basic Banking Account Scheme (UBL BBA) from February 25, 2006 across its branch network all over Pakistan. This is primarily aimed toward helping the low income group to benefit from the banking services without having the pressure to maintain specific balance amount with the banks. Find below basic product features of the Product:

Special features are:

The minimum initial deposit at the time of account opening is to be Rs. 1000/Basic Banking Account will be a current account There is no minimum balance penalty on UBL BBA accounts, however all accounts having nil balance for a continuous six month period shall be closed All Business Partner waivers allowed if minimum balance requirement condition as per SOC is met by the account holder Maximum of two deposit and two withdrawals (cash or clearing) per month are allowed free of charge. However, any transaction (cash or clearing) after those mentioned above will be charged a flat fee of Rs. 50/-, in addition to the regular charges of services as per SOC. This charge will be system generated end of day, once the customer exhausts his free transaction limits BBA customers will be allowed unlimited free ATM withdrawals from UBL's own ATMs. However, withdrawals from other banks' ATMs will be charged as per the existing SOC (currently Rs. 15/- per transaction). Annual fees including issuance and renewal of ATM card will be charged as per existing SOC All other banking services provided will be charged as per the prevailing SOC The statement of account will be issued once a year for UBL BBA customers in June. Issuance of duplicate statement will entail a charge of Rs. 50/- as per SOC Like the regular Current accounts, UBL BBA will also be Zakat Exempt accounts Any existing customer wanting to convert his/her checking account into Basic Banking Account can do so by giving a written application to the Branch Manager upon which existing account will be closed and a new UBL BBA account will be opened and a new account number will be provided to the customer after due account opening procedures, including submission of CNIC, if not provided earlier. The deposit in the previous account will be transferred to the newly opened UBL BBA. Charges for closing any existing account shall be recovered as per SOCs

Contact your nearest UBL branch today for further details or call now: 111-825-888 (UAN).
Youarehere: Banking Services / Deposit Products / UBL First Minor Savings Account

UBLFirstMinorSavingsAccount
UBL First is a savings account opened on behalf of a child in the name of the father or mother or a courtappointed guardian and the minor.

UBL First is designed especially for children and aims at becoming every child's first bank account, helping inculcate a savings habit. It is tailored to meet a child's future financial needs in a planned and convenient manner.

Special features:

Every account holder is entitled to a welcome pack Two VISA ATM Debit Cards are provided; one is a specially designed UBL First Pocket-Money Card (complimentary) for the withdrawal of profit from the linked account. The other is a standard UBL Wallet VISA Debit Card (optional) this allows you to withdraw money from the principal account Account opening birthday surprises Free E-statements The account holder is entitled to value added services that include Internet Banking facilities Free Accidental Death & Disability Insurance coverage upto Rs.2.5 million (conditions apply) will be provided to father/mother/court-appointed guardian No minimum balance penalty levied on the account

How does the Free Accidental Death and Disability Insurance Cover work?
The father/mother/guardian will receive a Certificate of Insurance in the welcome pack. The Minor will be the ultimate beneficiary incase of death or permanent disability to the father, mother or guardian. Information relating to the next of kin in the account opening form will also be construed as information regarding the individual (who will step in the role of the guardianship) in case of the above given possible occurrence.

Rules of the Account

UBL First Account can be opened for any child aged between one day and 18 years UBL First Account can be opened with a minimum amount of PKR 100/-. There is no limit on the maximum amount of investment The cheque book (for the principal account) and the Pocket-Money Card will be issued jointly in the name of the minor and the father/mother/ guardian The UBL First Pocket-Money Card can be used to access the monthly profit in cash from any ATM machine or be used for shopping at retail outlets The facility of online use of Debit Cards will be available once registration procedures have been duly completed Monthly profit is paid as pocket money which is disbursed into the linked account Detailed Terms & Conditions can be viewed in the account opening form

Youarehere: Banking Services / Other Retail Products

OtherRetailProducts
UBL has taken progressive steps towards introducing innovative products and services to provide its customers as varied a range as there are financial needs. The UBL product portfolio is diverse and caters to the financial requirements of customers at all stages of the spectrum. Whether catering to the Insurance requirements of a concerned parent through UBL BetterLife Bancassurance products or a fulfilling the payroll requirements of a small business owner via UBL Pay

Partner - our charge remains the same customer requirements are paramount. There are available, multitude product options for the discerning customer and every possible financial need is catered to through efficient and pleasant service. Furthermore our vision and mission advocate we continually strive to ensure that new products and services are introduced continuously to provide for all financial needs of all customers present and future.
Youarehere: Banking Services / Other Retail Products / UBL BetterLife-Bancassurance / Home

UBL BETTERLIFE-BANCASSURANCE EFU

What is Bancassurance?
Bancassurance is the selling of insurance and banking products through the same channel, most commonly through bank branches.

Product Offering
UBL BetterLife plans are advanced insurance products specifically designed to benefit the customers, providing the better and secured future to your family and loved ones. In collaboration with EFU, the following product types are being offered:

Plan Name Description

Accumulation of target funds for education of your children and ensuring that goal is achieved even if the parent dies earlier.For more details, Click here Endowment funds for your children in an organized and disciplined manner for use in later life.For more details, Click here Flexible open ended savings product with life insurance protection to your family and loved ones.For more details, Click here Accumulating retirement funds for your regular retirement income.For more details, Click here

UBL BetterLife Child Education Plan

UBL BetterLife Marriage Plan

UBL BetterLife Savings Plan

UBL BetterLife Retirement Plan

Youarehere: Banking Services / Other Retail Products / UBL BetterLife Bancassurance NJI

UBLBetterLifeBancassuranceNJI
What is Bancassurance?
Bancassurance is the selling of insurance and banking products through the same channel, most commonly through bank branches.

Product Offering
UBL BetterLife plans are advanced insurance products specifically designed to benefit the customers, providing the better and secured future to your family and loved ones. In collaboration with NJI, the following product types are being offered:

Plan Name

Description
The plan is for those who want to put their children through college or university without the worry of heavy semester fees. The plan provides a complete financial package for your childs education.For more details, Click here This plan is for those individuals who wish not to worry about expenses at the time of their childrens weddings. The plan allows to accumulate an endowment fund for this purpose, in an organized and disciplined manner.For more details, Click here The plan is for individuals who want to save money for their future needs and lead their lives with proper financial planning . it is a unit linked endowment plan that helps save regular amounts today, and increase them to meet financial needs whilst giving insurance protection cover.For more details, Click here An investment plan designed for those who wish maintain the quality of life after retirement. The plan would provide regular pension after retirement.For more details, Click here

UBL BetterLife Child Education Plan

UBL BetterLife Marriage Plan

UBL BetterLife Savings Plan

UBL BetterLife Retirement Plan

arehere: Banking Services / Other Retail Products / UBL e-statement

UBLe-statement

Are you fed up of filing your Statement of Accounts? Do you want fast delivery of your Account Statements? Do you want to be in constant touch with your account?

UBL brings a simple solution to all your problems by introducing the UBL estatements Facility
UBL is pleased to announce the launch of the UBL e-statement facility which makes it easier for you to get your statement of accounts and automated transactional debit/ credit alerts right into your inbox. Available for all Rupee and Foreign Currency Account holders, you now do not have to wait for six months to receive a paper based statement of your account any more. All you need to do is tell us the frequency of statements you require and we will ensure that it reaches your inbox Absolutely free of cost: you don't need to pay any additional cost in order to get benefit from this facility. UBL believes in providing value-added service to customers and all you need to get started is your email address! Accessible when you need it: UBL e-statement provides you a highly convenient facility to receive your statement anytime and anywhere in the world! Security: As an alternative to printed statements, UBL e-statements eradicate the hassle of paperwork, box filling and the chance of having your unattended documentation read by others.! Receive bill statements according to your needs: Your UBL e-statement can be delivered to you in the following frequencies Daily

Weekly Monthly Quarterly Semi annually

Automated transactional debit/ credit alerts: whenever there is an activity in your account, an email shall be sent to you with the complete transaction details. Easy to read format: You UBL e-statement shall be sent to you in an easy to read Adobe Acrobat format.

To subscribe to the e-statement facility:

Please visit the branch and fill out a simple form to subscribe for e-statement. If you are not been able to visit your branch, you can subscribe your e-statement through Contact Center.

Once you subscribe for the facility, you will receive your statements as per your selected frequency.
here: Banking Services / Other Retail Products / UBL Pay Partner

UBLPayPartner
UBL Pay partner is a comprehensive electronically managed payroll management / disbursement system with the help of which employers can disburse the salary of their employees with a single click. The product leverages the bank's robust technology platform, which connects over 1100 branches of the Bank under its core banking solutions network, offering round the clock banking to its customers. This product is designed for the convenience of both employers and employees

Criteria
Employer should have at least 50 employees with a total payroll of PKR 0.5 Mln per month.

Benefits & Features

UBL Pay Partner benefits the organizations in more than one way: Reduces paperwork.

Reduce the TAT (turnaround time). Saves remittance and other costs. Employees receive instant credit of salaries. Quick and enhanced reconciliation process Provision of comprehensive and customized MIS

With UBL Pay Partner the employees of an organization will enjoy the convenience of:
Same day salary credit by electronic transfer Largest network of ATMs Global acceptability of the UBL Wallet Visa Debit/ATM Card Access to cash at all the ATMs in Pakistan (both 1 Link & M-net networks) Free Accidental Death and Permanent Disability Insurance Coverage Free 24 hour Phone Banking Free Internet Banking

here: Banking Services / Other Retail Products / UBL Cash Collect

UBLCashCollect
UBL Cash Collect is a Retail Bank Cash Management Collections Solution, through which all receivables i.e. Cash, Cheque, Cashier's Cheque, Bankers Cheque of our customers will be routed through our network and accounts of all depositors of our customers will reside in our network. Ultimately, this will help in efficiently management of cash by collecting payments from numerous SCAs (Subsidiary Collection Accounts) residing in different UBL branches nationwide and gathering into one MCA (Main Collection Account) which will be accessible.

Benefits & Features

No need to operate multiple accounts. Consolidation of funds in one single account same day. Reduces paperwork. Saves remittance and other costs. Following details can be extracted through UB Online web site on a 24/7 basis

o o o o o o o

Main Collection Account Statement. Collections for the day. Cheque realization reports. Net-banking transaction information. Return Cheque information. Email statement. MIS can be exported to all the latest compatible formats for the onward use by the client.

Youarehere: Banking Services / Other Retail Products / Hamrah

Hamrah
We Are Now Offering Denominations Up To Rs. 10,000 Only UBL has always been at the forefront in identifying and meeting the financial needs of its valued customers. UBL was the pioneer in introducing Rupee Travellers Cheque facility in Pakistan, as early as 1971. In continuation of the same tradition, UBL in the shape of "Hamrah" Rupee Travellers Cheque enhances this facility for the convenience of its valued customers by offering denominations up to Rs. 10,000 UBL "Hamrah" has been designed keeping in mind, both convenience and security - be it business, property, trade or personal needs. "Hamrah" Rupee Traveller Cheques are the ideal and safest way of carrying cash when travelling anywhere in Pakistan. Hamrah RTC's are now accepted at more than 2000 places such as hotels, shops, real estate agents, jewllers, car dealers, etc and of course at all our UBL branches. UBL has a 24-Hours customer help-line, providing its customers with round the clock tele-verification of "HAMRAH" travelers cheques.

Salient Features

Absolutely FREE - No Bank Commission, No Excise Duty: Whatever the value of "Hamrah" purchased, no Bank Commision or Excise Duty will be charged Denominations: Available in denominations of Rs. 10,000 and Rs. 5,000

Denominations: At any of the large network of designated UBL Branches, countrywide. Transferable/encashable through a single signature Available to all: Holding an account with UBL not mandatory for availing this facility Easily transferable and encashable: Just dial "Hamrah" Hotline UAN for assistance 111-111-825 or contact nearest designated UBL Branch Special facility of refund: Indicate choice of designated UBL Branch for refund which will be within days only. Mostconvenient while in transit anywhere in Pakistan Valid until encashed: Use them for a week, month or even years depending on when there's a need for encashment Exclusive security: Secured with specially "Coded" printing and "RAIN BOW Effect" for added security.

arehere: Banking Services / Treasury / Home

Treasury&CapitalMarkets
At UBL Treasury & Capital Markets (TCM), we nurture a culture of Delighting-the-Customer with a complete focus on customer needs for their financial solutions. Recently TCM teams customer-centric approach got a well-deserved recognition when UBL was voted best in the following categories in an Asia-Pacific survey of corporates and institutions by Asiamoney: Best Domestic Provider of FX Services

Best for Innovative FX Products and Structured Ideas

The UBL TCM has developed a reputation as a proven market leader in converting innovative ideas into profitable ventures for the bank and for its customers. TCM, in the last few years, has developed core competencies in the newly evolved areas of Derivatives and Structured Solutions. Today the UBL TCM is a frontrunner in providing: The narrowest bid/ask spreads and the fastest quotes

Best for Innovative FX Products and Structured Ideas Innovative Structured Products

Under the new management, the TCM achieved number of milestones. It expedited the launch of Pakistan's first derivative money market product - the FRA (forward rate agreement) in August 2003, and has further closed several similar transactions thereafter. UBL was also the first bank to do a plain-vanilla Interest Rate Swap. It acquired the status of Authorized Derivative Dealer (ADD) - the only domestic bank with this status. It started trading currency option in 2005 and now is a clear market leader. It became the only bank from Pakistan with ISDA primary membership. UBL TCM is a market maker in both the domestic money market as well as the foreign exchange market. Being one of 11 primary dealers (PD), UBL has one of the largest and strongest balance sheets amongst banks in Pakistan. UBL was the first local bank to establish a Corporate Treasury team in the Treasury dealing room. The Global Corporate Treasury Business is responsible for sales of all structured and derivative products for UBL. The bank's trade volumes and revenues have grown significantly since the introduction of the Corporate Treasury business. Equities desk is responsible for managing the bank's trading, badla and CFS portfolio. We aspire to eventually develop a global equity trading activity for UBL. Structured Products is responsible for developing and packaging plain vanilla derivatives as well as more exotic customer specific products. The Strategic Planning and Balance Sheet Management responsibilities include: Liquidity Management for the domestic balance sheet - This unit is the focal point for all branchrelated liquidity issues and is also responsible for day-to-day management of liquidity for UBL.

Overseas Branches Treasury and Capital Markets - We plan to integrate the treasury activities for all overseas branches, to develop synergies amongst our various treasuries. As our core business in these markets continues to develop, we expect significant opportunities to arise in the trading, funding and gapping areas. Research - Providing market research for internal and external clients in order to support the sales and trading effort and to provide strategic view on the economy and markets for all stakeholders.

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