Signature Debit Card Term & Conditions

Anti-Bribery And Corruption Policy

Definitions “Corruption” means abuse of official position for an improper private advantage or gain. “Bribery” means inducing the holder of an official position to act in a corrupt manner, by providing such person or their close relative anything of value in order to obtain or retain business or to reward an improper decision or favour. Explanation: “Anything of Value” extends beyond cash or cash equivalents to include non-cash items and favours as well. Prohibition and Zero Tolerance All employees of Bank AL Habib, whether temporary or confirmed, permanent or contractual, are instructed to carefully note and strictly comply with the following: Values and Code of Conduct of the Bank are totally incompatible with bribery and corruption, which have no place at all at Bank AL Habib. The Bank has Zero Tolerance for any activity involving bribery and corruption. It is strictly prohibited for all employees of the Bank to engage in any activity involving bribery and corruption, in Pakistan or overseas. Employees working in overseas offices of the Bank should familiarize themselves with the applicable anti-bribery and corruption laws and regulations of the respective country, and meticulously comply with the same. This policy should be circulated to all employees of the Bank. It should be brought to the notice of all new employees by Human Resource Division at the time of their joining the Bank. Reporting of Violations: It is the duty of all employees to ensure compliance with this policy. Any violation or suspected violation of the policy noted by an employee should be reported by them as laid down in the Bank’s Policy on Reporting of Violations (“Whistleblowing Policy”) and investigated promptly. As the Bank has Zero Tolerance for violation of this policy, any employee who violates it will be subject to disciplinary action and may also face penalties under the applicable laws and regulations of the country. Records of bribery and corruption related instances should be maintained at Fraud Investigation Unit (FIU) who should arrange to present these to the Audit Committee and the Board for information and review, on semi-annually basis. Review and Amendments The Anti-bribery and Corruption Policy will be approved by the Board of Directors and will be effective from the date of its approval. This policy will be reviewed on annual basis for any amendments.

Refinance Scheme for COVID19

Refinance Scheme for Hospitals and Medical Centers Refinance Scheme for Payment of Wages & Salaries Risk Sharing Facility to Support Employment & Prevent Layoff Refinance Scheme for Hospitals and Medical Centers As medical centers and hospitals are grappling with the implications of the Covid-19 pandemic and the sheer volume of demand for supplies to treat the infected patients. The State Bank of Pakistan announces an emergency support for medical and healthcare facilities through its Refinancing scheme. Scope & Eligibility Criteria Long term finance facility for purchase of new imported and locally manufactured medical equipment to be used for combating COVID-19. All hospitals and medical centers registered with respective provincial/federal agencies/commissions engaged in controlling and eradication of COVID-19 will be eligible under the facility. Salient features of the scheme are as follows: Maximum financing limit Rs.200 Million (per Hospital/Medical Centre) Tenor 5 years including grace period of up to 6 months Civil Work Up to 60% cost of civil works for setting up of isolation wards only End User Rate Maximum 3% per annum (SBP rate of refinance will be 0%) Repayment Qua

Islamic Apni Car Auto Finance

AL Habib Islamic Digital Account

AL Habib Visa Platinum

Other Information

“TFP Award 2017” from Asian Development Bank (ADB). The Bank has received Trade Finance Program Award for leading Partner Bank in Pakistan 2017. “Bank of the Year (Mid-Size Banks) 2017” by CFA Society Pakistan. This is the sixth time that the Bank has received this award, having received it earlier for the years 2009, 2010, 2011, 2012 and 2016. “Top 25 Companies Award” for the year 2017 by the Pakistan Stock Exchange Limited. Criteria for the award include dividend payout, capital efficiency, profitability, free-float of shares, transparency, corporate governance & investor relation and compliance with listing of companies & securities regulations. Alhamdolillah, this is the seventh time that the Bank has been selected for this award. “The Strongest Bank Balance Sheet in Pakistan, 2013” by The Asian Banker. This certification is based on the strength, liquidity and sustainability of the balance sheet in a challenging market place. “Award of Recognition, 2010” from International Finance Corporation (IFC) as the Most Active GTFP (Global Trade Finance Program) Issuing Bank in Middle East & North Africa for “South-South” Trade. This is the second consecutive year that the Bank received an award from IFC in recognition of participation in GTFP. “Membership of industry associations and trade bodies of the Bank are KCCI, PBA and 1Link.”

Islamic Housing Finance - DM

Islamic Naya Pakistan Certificates

Bank AL Habib has always endeavored to support Pakistan in achieving its economic objectives for growth and prosperity. The Bank now offers Islamic Naya Pakistan Certificates (INPCs), Shariah compliant PKR, USD, GBP & EUR denominated instruments issued by the Government of Pakistan on the basis of Mudarabah with attractive risk-free returns over different maturities. State Bank of Pakistan (SBP) is the sole custodian of the Islamic Naya Pakistan Certificate while Bank AL Habib is acting as an agent. The booking of the certificate is subject to issuance of the certificate by SBP. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Shariah Compliant Islamic Naya Pakistan Certificates (INPCs) are Shariah compliant certificates issued on the basis of Mudarabah. Under this arrangement, the holder of certificate is an investor (Rab-ul Maal) and Islamic Naya Pakistan Certificate Company Limited (INCCPL) is the Manager (Mudarib) of the funds deposited by the investors. These funds are then invested in a deposit pool comprising of Shariah-compliant transactions and the return is shared between the investors and INCCPL as per the pre-determined profit-sharing ratios and weightages. Shariah Structure of INPCs USD Certificate Terms and Conditions (Mudarabah Agreement) PKR Certificate Terms and Conditions (Mudarabah Agreement) Eligibility AL Habib Islamic Roshan Digital Account (RDA) Holders (Singly and Jointly Operated) The funds for investment in Certificates must be remitted from abroad Currency Certificate can be booked in PKR, USD, GBP & EUR currencies. How to Invest Investor will submit the request through Bank AL Habib Roshan Digital Account web page and provide investment details such as; account no, tenure, currency and amount to be invested. Funds will be debited from customers AL Habib Islamic Roshan Digital Account for onward purchasing or certificate from SBP. Minimum Investment PKR 10,000 with integral multiples of 1,000 USD 1,000 with integral multiples of 500 GBP 1,000 with integral multiples of 500 EUR 1,000 with integral multiples of 500 Profit Payout (Coupon Payment) 3 months, 6 months and 12 months = At Maturity 3 and 5 Years = Bi Annual The six (6) months for the periodic profit payment shall be determined from the date of issuance of the certificates. For example: if certificates are issued on 10th September 2020, the profit payments shall be made on 10th March 2021 and on subsequent six-monthly dates accordingly Profit Sharing Ratio (PSR) for the Month of September 2025 Mudarabah Pool INPCCL (Mudarib) Share Investor (Rab-ul-Maal) Share PKR 35% of distributable income65% of distributable income USD 55% of distributable income 45% of distributable income GBP 65% of distributable income 35% of distributable income EUR 70% of distributable income 30% of distributable income Weightages and Expected Return for the Month of September 2025 Tenure PKR (Expected Return) PKR (Profit Weightage Assigned) PKR* (Expected Return- PKR INPC-I) PKR* (Profit Weightage Assigned- PKR INPC-I) PKR** (Expected Return- PKR INPC-II) PKR** (Profit Weightage Assigned- PKR INPC-II) PKR** (Expected Return- PKR INPC-III) PKR** (Profit Weightage Assigned- PKR INPC-III) USD (Expected Return) USD (Profit Weightage Assigned) USD* (Expected Return - USD INPC-I) USD* (Profit Weightage Assigned - USD INPC-I) USD** (Expected Return - USD INPC-II) USD** (Profit Weightage Assigned - USD INPC-II) USD** (Expected Return - USD INPC-III) USD** (Profit Weightage Assigned - USD INPC-III) GBP (Expected Return) GBP (Profit Weightage Assigned) GBP* (Expected Return - GBP INPC -I) GBP* (Profit Weightage Assigned GBP INPC -I) GBP** (Expected Return - GBP INPC -II) GBP** (Profit Weightage Assigned GBP INPC -II) GBP** (Expected Return - GBP INPC -III) GBP** (Profit Weightage Assigned GBP INPC -III) EUR (Expected Return) EUR (Profit Weightage Assigned) EUR* (Expected Return - EUR INPC -I) EUR* (Profit Weightage Assigned EUR INPC-I) EUR** (Expected Return - EUR INPC -II) EUR** (Profit Weightage Assigned EUR INPC-II) EUR** (Expected Return - EUR INPC -III) EUR** (Profit Weightage Assigned EUR INPC-III) Profit Payout (Coupon Payment) 3 Months 9.50% - 15.00% - 21.00% - 13.50% 0.85 5.50% - 7.00% - 8.25% - 7.00% 0.92 5.25% - 5.50% - 7.25% - 7.25% 1.05 4.75% - 4.00% - 6.25% - 5.25% 0.01 Maturity 6 Months 10.00% - 15.25% - 21.25% 1.33 13.50% 0.85 6.00% - 7.20% - 8.50% 1.12 7.00% 0.92 5.50% - 6.00% - 7.50% 1.09 7.25% 1.05 5.00% - 4.50% - 6.50% 1.25 5.25% 0.01 Maturity 12 Months 10.50% - 15.50% - 21.50% 1.35 13.00% 0.81 6.50% - 7.50% - 9.00% 1.19 7.00% 0.92 5.75% - 7.00% - 8.00% 1.16 7.25% 1.05 5.25% - 5.00% - 7.00% 1.35 5.25% 0.01 Maturity 3 Years 10.75% 0.67 14.00% 0.88 17.50% 1.10 12.50% 0.78 6.75% 0.89 8.00% 1.06 8.00% 1.06 7.50% 0.99 6.25% 0.91 7.50% 1.09 7.50% 1.09 7.50% 1.09 5.50% 1.06 6.50% 1.25 6.50% 1.25 5.25% 0.01 Bi-Annual 5 Years 11.00% 0.69 13.50% 0.85 15.00% 0.94 12.50% 0.78 7.00% 0.92 8.00% 1.06 8.00% 1.06 7.50% 0.99 6.50% 0.95 7.50% 1.09 7.50% 1.09 7.50% 1.09 5.75% 1.11 6.50% 1.25 6.50% 1.25 5.25% 0.01 Bi-Annual Bank's Investment in the pool - - - - - - 9.50% 0.59 - - - - - - 4.50% 0.59 - - - - - - 5.25% 0.76 - - - - - - 3.00% 0.58 - *Note: Applicable on Fresh Booking from 1st October 2022 **Note: Applicable on all the issuances made on or after 10th October 2023. ***Note: Applicable on all the issuances made on or after 06th March 2025. All issuance made on or after 23rd January, 2023 (before 10th October, 2023) for USD, GBP and Euro shall be classified under USD, GBP and Euro INPCs-I All the issuances made on or after 10th October, 2023 shall be classified under USD, PKR, GBP and EURO INPCs-II All the issuances made on or after 06th March, 2025 shall be classified under USD, PKR, GBP and EURO INPCs-III Declaration of Profit Rates & Profit Payouts for the Month of June 2025 Tenure USD (Actual Return) USD -I (Actual Return) USD -II (Actual Return) USD -III (Actual Return) PKR (Actual Return) PKR -I (Actual Return) PKR -II (Actual Return) PKR -III (Actual Return) GBP (Actual Return) GBP -I (Actual Return) GBP -II (Actual Return) GBP -III (Actual Return) EUR (Actual Return) EUR -I (Actual Return) EUR -II (Actual Return) EUR -III (Actual Return) 3 Months 0.00% 0.00% 8.25% 7.00% 0.00% 0.00% 21.00% 13.50% 0.00% 0.00% 7.25% 7.25% 0.00% 0.00% 6.25% 5.25% 6 Months 0.00% 0.00% 8.50% 7.00% 0.00% 0.00% 21.25% 13.50% 0.00% 0.00% 7.50% 7.25% 0.00% 0.00% 6.50% 5.25% 12 Months 0.00% 0.00% 9.00% 7.00% 0.00% 0.00% 21.50% 13.00% 0.00% 0.00% 8.00% 7.25% 0.00% 0.00% 7.00% 5.25% 3 Years 6.75% 8.00% 8.00% 7.50% 10.75% 14.00% 17.50% 12.50% 6.25% 7.50% 7.50% 7.50% 5.50% 6.50% 6.50% 5.25% 5 Years 7.00% 8.00% 8.00% 7.50% 11.00% 13.50% 15.00% 12.50% 6.50% 7.50% 7.50% 7.50% 5.75% 6.50% 6.50% 5.25% Bank's Investment in the pool 4.50% 4.50% 4.50% 4.50% 9.50% 9.50% 9.50% 9.50% 5.25% 5.25% 5.25% 5.25% 3.00% 3.00% 3.00% 3.00% Premature Encashment There shall be no premature encashment within the first month of issuance of INPCs Certificates can be prematurely encashed (early encashment before maturity). The proceeds for the premature encashment made after the first month and before the end of three months shall be worked-out based on the the repurchase of INPCs at a discounted price based on the redemption table notified by Islamic Naya Pakistan Certificate Company Limited (INPCCL) Profit/proceeds of premature encashment made after 3 months shall be worked out by Islamic Naya Pakistan Certificate Company Limited (INPCCL) based on the weightages applicable to the nearest completed tenures. Maturity Maturity proceeds will be credited back to the investor’s AL Habib Islamic Roshan Digital Account on the same day by the Bank. In case of a holiday, the next working day falling after the holiday will be considered the periodic profit date/principal payment date. No profit will be payable for the period of the holidays. Zakat and Taxes Zakat: The Certificates shall be exempted from compulsory deduction of zakat. Tax: 10% Withholding Tax on profit will be applicable. General Instructions The Certificates shall be pledgeable as security for raising financing in Pakistan subject to conditions prescribed by SBP. The Certificates are not transferable except if required under the relevant laws. SBP and Bank AL Habib reserve the right to accept or reject the investment application if the investor does not comply with the necessary requirements under the rules or instructions. The Certificate will not be automatically reinvested or rolled-over after the maturity date. The above instructions are subject to change from time to time. Invest in Certificate Validating Joint Account Holder to Proceed with Reference Number Naya Pakistan Certificate Tutorials ×

AL Habib Islamic Signature Account