June 1, 2011

	Notice: Handling Charges and Ledger Fee for Personal Accounts
	
	In continuation of our endeavor to further improve our customer service and
	make operations more effective, Handling/Teller Transaction charges and
	Ledger Fee have been revised and the following charges will be applicable
	w.e.f. September 1 2011. 
	
	A. Handling/Teller Transaction charges
	
	   - Upto 6 teller transactions in each month will be free of charges. Any 
	     additional Teller Transaction will be charged AED 10/- per transaction.
	
	   - The following will be exempted from the above charge:
	   
	     1) Relationship / Entity with any commercial or consumer credit facility
	        over AED 500,000/-.
	        
	     2) Relationships / Entity with a monthly average deposit balance of more
	        than AED 100,000/-
	
	B. Ledger Fee
	
	   - The Ledger Fee has been revised and will be applicable on all personal
	     accounts where the entity balance falls below AED 3,000/- anytime during
	     the month.
	   
	   - The Fee applicable for Personal Accounts and WPS Salary Accounts will be
	     AED 25/- and AED 10/- respectively.
	
	The charges will be recovered automatically in the following month (in October
	2011 for September 2011).
		
	Should you have any queries or need any further clarification please do not
	hesitate to contact your Branch.
	
	We thank you for choosing Habib Bank AG Zurich and assure you of our best
	services at all times.