Deposit Accounts(A large range of Riba-free Deposit Accounts)

Rupee Current Account(Convenient, Secure and Stable)

Meezan Current Account is a Rupee-based current account that provides you the convenience of putting your
money in a Riba-free account and accessing it without any restrictions on withdrawal while enjoying a host of
professional conveniences from Meezan Bank.

Meezan Current Account is based on Qard contract where the Bank is liable to pay your money back on
demand. The Bank can use these funds for investment and other purposes. This account allows you the peace of
mind of having your money safely deposited with a bank with the additional assurance that the Bank is not
investing your money in activities that contravene Shariah principles.

Meezan Current Account can be opened by Individuals, Sole-Proprietorships, Partnerships and Limited
Companies.

Key Features:

• Minimum investment required to open an account is Rs. 1000/-

• No restriction on withdrawals or number of transactions
• No deduction on low balance maintained

Rupee Saving Account(Ensuring Truly Halal Savings with Competitive Returns)

The Riba-free Rupee Saving Account is a basic banking account for every customer's need. The account
provides monthly returns along with a variety of free packaged benefits.

Key Features:

• Minimum investment required to open an account is Rs. 10,000/-

• Profit will be calculated on daily product basis
• Profit will be paid on monthly basis
• No restriction on withdrawals or number of transactions
• Cheque books
• Globally accepted Meezan VISA Debit Card
• Free Online Banking services at our branch network nationwide
 • Free Internet Banking facility
• Free bank balance certificates
• Access to priority desk
• Issuance of duplicate statement of account

Meezan Bachat Account

The convenience of a Saving Account with Halal Profit

Meezan Bachat Account is a unique saving account that provides high monthly returns with the flexibility to
withdraw savings if needed. Meezan Bachat Account offers a higher expected rate of return with nearly the
same convenience and service of a regular savings account.

Meezan Bachat Account can be opened by Salaried or Self-employed, Housewives and Retired individuals.

Key features:

• Minimum investment required to open an account is Rs. 25,000/-

• Maximum balance limit for getting a higher profit weightage is Rs. 1,000,000/-
• Profit will be calculated on the minimum monthly balance maintained during a month
• Profit payment is made to your Meezan Bank account on a monthly basis.
• Waiver of application fee for Car Ijarah & Easy Home for accounts with minimum balance of Rs. 500,000

Labbaik Saving Aasaan (A Holy Journey with Comfort &

Convenience)

Meezan Labbaik Saving Aasaan is an ideal deposit product for you if you are an individual saver and wish to
save for your spouse, children, parents, etc. You can take benefit from this special Mudarabah based Deposit
account (available in six months to twenty years plan) for Umrah & Hajj where you will also be entitled for
profit on the deposited amount, thus providing Customers a bigger incentive to save for Umrah/Hajj through
Meezan Labbaik Saving Aasaan.

Key

• Available for individuals, where customers can open a single / joint account with family members
• Labbaik Saving Plan is available for six (06) months to twenty (20) years
• Labbaik Saving Account is a Pak Rupee account
• It will be a Recurring Deposit Account, where customers will deposit monthly contribution as per the deposit schedule plan
• Labbaik Saving Account is a non-chequing account, where no cheque book or VISA Debit Card will be issued
• Apart from regular monthly deposit contribution customers can deposit additional amounts in order to complete the deposit amount
and make the make the desired journey earlier than initially scheduled
 • After completion of the desired deposit amount, customers will have a right to travel with Meezan Bank or redeem his funds to go
with an alternate company or utilize the funds for alternate purposes
• No pre-mature withdrawal schedule will be applied
• Customers may redeem 50% of the contribution as per defined procedure, one-time in the entire deposit tenure

Meezan Business Plus (Serving you the perfect blend of convenience

and flexibility)

Meezan Business Plus is a Mudaraba-based account that allows you to conduct your banking transactions while
availing a wide range of free services and therefore provides you the ideal blend of convenience & flexibility
that you deserve in Islamic banking.

Meezan Business Plus Account can be opened by Individuals and businesses including Sole Proprietorships,
Partnerships and Limited Companies.

Key

• Minimum investment required to open an account is Rs. 100,000/-

• There is no restriction on withdrawals or numbers of transactions
• There is no deduction of service charges if the balance maintained is low
• You will have instant access to your account both through Internet Banking and through Online Banking at all branches of Meezan
Bank across Pakistan
• The following facilities will be provided free of charge* if an average monthly balance of Rs. 100,000/-is maintained in the account
• Free Cheque books
• Free Pay Orders
• Free VISA Debit Card
• Free Account Statements
• Free Online Banking
• Free Internet Banking
• Free Hold Mail Facility
• Free SMS Alert services
• Free intercity clearing

Dollar Saving Account (A Truly Halal Dollar Saving Account)

The Riba-free Dollar Savings Account is a Mudarabah-based savings account that you can open and operate
using US Dollars and is therefore an excellent business tool for both individuals and corporate clients for
meeting their business needs and for diversifying their investment in different foreign currencies to safeguard
against currency fluctuations.
The Meezan Dollar Saving Account can be opened by individuals and businesses including Sole
Proprietorships, Partnerships and Limited Companies.

Key

• Minimum investment required to open an account is $100

• There is no deduction of service charges if the balance maintained is low
• You will have instant access to your account through free Internet Banking
• Profit will be paid a on monthly basis
• Profit will be calculated on daily product basis, which ensures that you are getting a return on your investment all the time
• Foreign Remittances

Karobari Munafa Account (Specially tailored for Corporate entities)

Karobari Munafa is a high profit savings account specifically tailored for large Corporate or GoP-controlled
entities. It allows customers to earn higher returns on surplus cash balances, has no preset transaction limits and
comes with a variety of free packaged benefits.

The Karobari Munafa Account works on the principle of Mudarabah under which the customer is an Investor
(Rab-ul-Maal), and the Bank is the Manager (Mudarib) of the funds deposited by the customer. The Bank
allocates the funds received from the customers to a Deposit pool. Funds in the pool are invested under Islamic
modes of finance that include but are not restricted to Murabaha, Sukuk and Ijarah.

Key

• Minimum investment required to open an account is Rs. 10,00,000/-

• Profit will be calculated on daily product basis
• Profit will be paid on monthly basis
• No restriction on withdrawals or number of transactions
• Free Cheque books & Pay-orders
• Dedicated Relationship Manager

SPECIAL BANKING (Our wide range of special services)

Online Banking (Always Connected)

Our free On-line Banking facility allows all customers to access their account and conduct banking transactions
from any of Meezan bank's branches nationwide. Our on-line facility makes it easy to deposit and withdraw
cash, make pay-order requests and access numerous banking services from any Meezan Bank branch even if the
account is based in a different city.

Our free On-line Banking, offers the following services:

• Real-time cash deposit, instantly crediting your account!

• Real-time cash withdrawal upto Rs. 5 million, giving you access to your money from anywhere in the Country!
• Transfer of funds between your Meezan Bank accounts
• Deposit and collection of clearing Cheques drawn within the same city
• Issuance of Pay-order from any Meezan Bank branch

8 to 8 Banking (Specialized banking services from 8am to 8pm)

Meezan Bank is proud to be the first bank in Pakistan to introduce the concept of Eight-to-Eight banking, giving
our customers access to the branch from 8 'o clock in the morning to 8 'o clock at night.

This adds a completely new dimension to our banking service and has been designed to enable our customers to
avail banking services at their convenience. Customers may visit their respective branch early in the morning
before going to work or can drop by in the evening on their way home without having to worry about losing
valuable office hours.

From 8am till 5pm we offer the full range of our banking services while from 5pm till 8pm our customers are
able to avail several commonly-used banking facilities at the branch (value next day) which meet most of their
daily banking requirements.

Our 8 to 8 banking service is a part of Meezan Bank’s mission to focus on customer convenience & service
quality and is thereby an important step towards making Islamic Banking the banking of First Choice.

Services provided from 5PM to 8PM at 8 to 8 Branches

 • Acceptance of cash
• Acceptance of cheques for collection and clearing
• Acceptance of transfer instructions
• Acceptance of Cheque Book, Pay Order and Demand Draft requests
• Accepting ATM, telephone banking and Internet banking requests

8AM to 8PM banking services are presently being offered at selected branches

Karachi
• Bahadurabad Branch
• Clifton Branch
• Gulshan Chowrangi Branch
• Gulshan-e-Iqbal Branch

Islamabad
• F-7 Jinnah Super Branch
• F-10 Markaz Branch

Ladies Banking (A banking section only for Ladies)

Meezan Bank is the first bank in the country to introduce 'Ladies Banking', a dedicated banking section only for
ladies. This new service provides an exclusive banking area as per the set Shariah principles for our female
customers in a comfortable environment.

Services provided at the Ladies Banking Section include:

• Special Baking Services: Dedicated Customer Services Officer in our ladies only banking area who provide consultancy for all
Halal banking needs.
• Consumer Financing: Car Ijarah and Easy Home
• Retail Banking: Current & Savings Accounts, Foreign Currency Accounts, Term Deposits
• 24/7 Banking Services: ATM/Debit Card, Call Center, Internet Banking
Our ladies banking service is a part of Meezan Banks mission to focus on customer convenience and service
quality and make Islamic Banking the banking of First Choice.

This service is presently being offered at our Barkat-e-Hyderi branch in Karachi.

Meezan Home Remittance (Local service, International access)

Meezan Bank's Remittance services are simple and reliable. They are available at your doorstep through a wide
and efficient network of corresponding banks worldwide. Only the leading global financial institutions form this
network of correspondent banks.

Advantages of Meezan Home Remittance:

Quick Remittance in major currencies i.e USD, GBP, EUR, JPY, CHF, SGD, AUD

• Instant online transfer within our branch network without any charges
• Extensive branch network in all major cities of Pakistan
• Meezan Visa Debit Card allows you to use your own money at more than 30 million outlets and 160 countries worldwide
• Free Internet banking facility

Easy Guidelines for Money Transfer

If you wish to remit money to Pakistan, simply give instructions to your existing bank for money transfer by
providing the name of your preferred Meezan Bank branch and beneficiary account number.

ELECTRONIC BANKING (Banking through electronic channels

available 24hours, 7 days a week)

Meezan Visa Debit Card (Your Money Anytime, Anywhere)

Want access to your money anytime, anywhere? With a Meezan Visa Debit Card, you have access to the money
in your account wherever you are, whenever you want, wherever you see the Visa symbol. The money is
deducted from your balance straight away — there is no interest to pay, no bills & no late fees!

Using your card is quicker than making a trip to the bank!

Using your card is quicker and far more convenient than queuing at a cash dispenser and safer than carrying
cash.

• Use your own money at more than 30 million outlets and 160 countries worldwide.
• Use it to buy both big and small items, wherever you see the Visa symbol.
• Each withdrawal taken directly from your Meezan Bank Linked Account.
• A safe and convenient alternative to carrying cash.
• You can call support 24 hours a day, 7 days a week with any queries. Simply call 111-331-331
• All shopping transactions on your card are signature based. Simply swipe and sign!

Meezan VISA Debit - Your prefect travel companion

Next time you’re planning to go abroad, you can use your Meezan Visa debit card for all your purchases and to
withdraw cash at ATMs, just as you do at home wherever you see the Visa symbol.

• Convenient - No need to buy foreign currency or travellers’ cheques in advance.

• Safe - No need to take large amounts of cash with you.
• Accepted all over the world - Pay for hotels, sightseeing, shopping and dining out.

Internet Banking (Anytime – Anywhere)

Meezan Internet Banking is the smarter way to bank, providing you global access to your account 24 hours a
day, 7 days a week.

Facilities
With Meezan Internet Banking, you can get secure and convenient access to the following facilities:

• Balance inquiry of multiple accounts

• View account statement
• Real time cheque status and stop payment request
• Cheque book and pay-order request
• Lodging and tracking status of complaints
• Account activity alerts

ATM Network (Over 170 ATMs nationwide)

Meezan Bank offers a wide network of ATMs located at its branches as well as prominent offsite
locations. You do not need to carry cash anymore; simply go to the ATM and withdraw cash
anywhere, anytime. We also offer access to more than 2,000 ATM locations country-wide via
1Link and MNET Network.

Key

• Transfer funds between your own accounts in the same branch via ATM.
• The cash withdrawal limit for Meezan Visa Debit Card per day is subject to the funds present in your selected account.
• You can withdraw cash from any other bank’s ATM which is the member of either MNET or 1Link network

Notes
• Funds can only be transferred between accounts (of different nature) within the same branch.
• Applies to same branch accounts which have been linked to the ATM card being used.
• If using any non-Meezan ATM, the cash withdrawal limit of that machine will be applicable on you.
For example if the machine's daily cash limit is PKR 10,000, then that machine will only provide the customer PKR 10,000 during
that day.
• Charges of PKR 15 per transaction will be applied when 1Link or MNET ATMs are used for cash withdrawal.

SMS Alerts (Stay up-to-date with text messages from Meezan Bank)

Meezan SMS Alerts service makes your life easier and more convenient than ever before. Now you do not need
to call or visit the branch to inquire about your daily transactions.

Once you sign up for the Meezan SMS Alert service, you will receive an instant SMS alert from Meezan Bank
on your mobile phone whenever any of the following transactions occur on your Current or Savings account(s).

Alerts Types
 • Debit Alert: An instant SMS alert to inform you when any amount is deducted from your Current or Savings account(s).
• Credit Alert: An instant SMS alert to inform you when any amount is added into your Current or Savings account(s).

• Cheque Bounce: An instant SMS alert to inform you that your cheque has been dishonoured.

Important

• SMS Alert service is applicable to all Current and Saving accounts (either or survivor in case of joint
accounts)
• The service is currently for customers residing in Pakistan.
• SMS Alert Service is not available on Mobile Network Portable (MNP) numbers

24/7 Call Center (Convenience and Care)

With our Call Centre facility, you no longer have to take time out to visit your branch for your everyday
banking needs. By simply dialing 111-331-331 (dial 00-92-21-111-331-331 from outside Pakistan) you get
access to a wide range of Tele-banking solutions and personalized banking services including answers to
questions on Islamic Banking. You can also access our self-service banking, where you will be guided and
assisted in all transactions by our Interactive Voice Response System (IVR).

Services Provided on IVR

• Check your account balances
• Instruct issuance of pay orders and demand drafts
• Transfer funds between your own accounts
• Order issuance of chequebook
• Check transaction history of your accounts
• Receive information on various MBL products and services
• Issue stop payment instructions
• Report loss of your chequebook
• Register your comments and suggestions regarding MBL products and services
• Request or change T-PIN
• ATM PIN Reissuance
• Report loss of Visa Debit Card or cheque(s)
• Request for new Internet Banking Username / Password.

Consumer Finance (Islamic financing solutions)

Car Ijarah (Meezan Bank provides Shariah Compliant financing
solutions for individuals.)

As a step towards Meezan Bank’s mission to provide a one-stop shop for innovative value-added Shariah
compliant products, Meezan Bank’s Car Ijarah unit provides car financing based on the principles of Ijarah and
is free of the element of interest.

Car Ijarah is Pakistan’s first Interest Free car financing based on the Islamic financing mode of Ijarah (Islamic
leasing). This product is ideal for individuals looking for car financing while avoiding an interest-based
transaction.

Meezan Bank’ Car Ijarah is a car rental agreement, under which the Bank purchases the car and rents it out to
the customer for a period of 3 to 5 years, agreed at the time of the contract. Upon completion of the lease period
the customer gets ownership of the car against his initial security deposit.

Special Offer - Residual Value Ijarah with Indus Motors

Meezan Bank Car Ijarah Introduces Residual Value Financing enabling customer to afford luxury with
economy, where the customer can enjoy the benefits of eased rental. Details

Car Ijarah also features Used Vehicles!

In addition to leasing of new cars, Meezan Bank also provides the unique opportunity of leasing second hand, both locally assembled and
imported vehicles. This feature is specifically designed as a highly economical option. The Used Car Ijarah facility is made available at a
minimum-security deposit as low as 20%. Financing of used cars are subject to a selection criteria.

Key Features of Car Ijarah

• Low monthly rental
 • Rental paid after delivery, not in advance
• Fastest processing and delivery
• Tracker option available
• Minimum security deposit as low as 10%*
• All new, used, local, imported and luxury vehicles can be financed

Easy Home (Islamic House Financing)

Easy Home is a Shariah-compliant Home Finance facility! One that is comprehensive, affordable, and totally
hassle-free. Meezan Bank is committed to meet our customers’ needs in a truly Shariah-compliant manner
coupled with dedicated service excellence. Why not have the best of both worlds? Isn't that what you are
working so hard for anyway?

Easy Home not only allows you to own your own home by paying easy instalments but also keeps you safely
away from interest based financing.

Flexibility and Variety to meet you requirements

• Flexible Financing Tailored to Support You
o High financing amounts
o Adequate financing against property value
o Flexibility to make partial prepayments
o Minimal processing charges
o Affordable and competitive instalment amounts with a regular reducing monthly rental
o Rate relaxation for select MNCs & LCGs

• Quick Processing Time

Absolutely hassle-free. Quick turn-around-times, with no burdensome complexity or excessive paper work. It is simple, halal, and
easy! Click here for details

• Even the eligibility is Easy!

We at Meezan Bank, as prescribed by Islamic Shariah, seek to guarantee equal access to financing for all qualified applicants, while
ensuring that the qualification process is bias-free. Click here for details

• Non Resident Pakistanis

Non Resident Pakistanis can apply with peace of mind for the fastest processing of their case.
 • Special Offer for Chartered Accountants
Qualified Chartered Accountants and Corporate CFOs can avail discounted rates and flexible repayment option with no pre-
payment charges on early payment either partially or full.

• Special Offer for Easy Replacement Cases

Why pay high instalment on high rate? Transfer your existing home finance facility to Meezan Bank and avail attractive profit rate
with flexible payment options. No pre-payment charges on early payment either partially or in full.

Term Certificates (Business Banking - Term Certificates)

Meezan Providence Certificate Designed to cater to your Provident,

Pension and Gratuity funds

Meezan Providence Certificate is a long-term investment certificate specially designed to cater to the needs of
corporate and business concerns for purposes of investing their Provident, Pension and Gratuity Funds.

Meezan Providence Certificate works on the principle of Mudarabah under which the customer is an Investor
(Rab-ul-Maal), and the Bank is the Manager (Mudarib) of the funds deposited by the customer. The Bank
allocates the funds received from the customers to a Deposit pool. Funds in the pool are invested under Islamic
modes of finance that include but are not restricted to Murabaha, Sukuk and Ijarah.

Enjoy a range of valuable features including:

• A 100% halal investment in strict compliance with Shariah

• High Returns
• Long-term security ensured
• Minimum investment amount: PKR 1,000,000
• Available tenures of 2, 3, 5 and 7 years
• Pre-mature withdrawal options available

Certificate of Islamic Investment (Truly Halal and Absolutely Riba-

Free!)
The Certificate of Islamic Investment (COII) is a Mudarabah-based deposit product through which you can
invest your savings for periods ranging from 3 months to 5 years and earn Halal profit on a periodic basis.

The Certificates of Islamic Investment is an ideal investment for Individuals, Sole Proprietorships, Partnerships
and Limited Companies

Enjoy a range of valuable features including:

• Investment can be made for 3 months, 6 months, 1 year, 2 years, 3 years and 5 years
• Profit payment options are monthly, quarterly or at maturity
• Minimum investment required for quarterly and on-maturity payment is Rs. 50,000/
• Minimum investment required for monthly profit payment is Rs. 200,000/
• Pre-mature withdrawal can be made as per approved schedule

Meezan Amdan Certificate (Ensuring Riba Free Long Term

Investments with Halal Monthly Returns)

Meezan Amdan Certificate is a Mudarabah-based long-term deposit product that offers a high expected return
to investors and is ideal for those individuals and corporate clients who need a regular stream of monthly
income.

Meezan Amdan Certificates work on the principle of Mudarabah under which the customer is an Investor (Rab-
ul-Maal), and the Bank is the Manager (Mudarib) of the funds deposited by the customer. The Bank allocates
the funds received from the customers to a Deposit pool; funds from the pool are utilized to provide financing to
customers under Islamic modes that include, but are not restricted to Murabaha, Ijarah, Istisna and Diminishing
Musharakah.

Enjoy a range of valuable features including:

• Minimum investment required is Rs. 100,000/

• Minimum investment for widows and senior citizens is Rs. 50,000/-
• Investment can be made for 5 1/2 years and 7 years
• Profit payment is made to your Meezan Bank account on a monthly basis
• Pre-mature withdrawal can be made as per approved schedule
• Free first cheque book for customers who open an account for MAC issuance
Monthly Mudarabah Certificate (Ensuring Short-term Halal
Investments with Competitive Returns)

The Riba-Free Monthly Mudarabah Certificate (MMC) is a short-term deposit product which has been designed
to give you monthly returns.

Monthly Mudarabah Certificates work on the principle of Mudarabah under which the customer is an Investor
(Rab-ul-Maal), and the Bank is the Manager (Mudarib) of the funds deposited by the customer. The Bank
allocates the funds received from the customers to a Deposit pool; funds from the pool are utilized to provide
financing to customers under Islamic modes that include, but are not restricted to Murabaha, Ijarah, Istisna and
Diminishing Musharakah.

Key

• Minimum Investment required is Rs. 100,000/-

• Investment period is one month with re-investment option available on a continuous basis
• Monthly profit payment will be made to your Meezan Bank account
• Pre-mature withdrawal can be made as per approved schedule

Dollar Mudarabah Certificate (Halal, Riba-Free Investment with

Competitive Returns)

The Dollar Mudarabah Certificate (DMC) is a deposit product through which you can invest your US Dollars
with Meezan Bank for periods ranging from 3 months to 3 years and earn six-monthly or at maturity profit
payments on your investment.

Enjoy a range of valuable features including:

• Minimum Investment required is USD 10,000/-

• Investment tenures are 3 months, 6 months, 1 year and 3 years
• Profit payment will be made either at maturity or on a six-monthly basis to your Meezan Bank Dollar Saving Account
• Pre-mature withdrawal options available as per approved Early Redemption Schedule