1. Askari Home Finance YOUR HOUSE CAN BE YOUR HOME Documentation & Monitoring of Mortgage Loans

2. Documentation for Financing Facility Application Form duly signed by the applicant. Application Form duly signed by the applicant. Latest Salary Slip Latest Salary Slip Borrower Basic Fact Sheet (BFS) duly completed (prior date of CA approval) Borrower Basic Fact Sheet (BFS) duly completed (prior date of CA approval) Clear and visible photocopy of CNIC duly original seen and attested by ASM/RSM. Clear and visible photocopy of CNIC duly original seen and attested by ASM/RSM. Undertaking for Credit Facilities (CF-1) Undertaking for Credit Facilities (CF-1) Residence Verifications Residence Verifications Office Verifications Office Verifications 2 References plus Verification 2 References plus Verification Two latest attested passport size Photographs Two latest attested passport size Photographs Last Six Months Bank Statement Last Six Months Bank Statement KYC Completion KYC Completion Visit report Visit report

3. SALARIED INDIVIDUALS Attested copy of CNIC. Attested copy of CNIC. Two passport size photographs. Two passport size photographs. Copy of the latest paid utility bill received at the residential address. Copy of the latest paid utility bill received at the residential address. Employment confirmation letter from the employer. Employment confirmation letter from the employer. Last three months original salary slip or attested photo copy. Last three months original salary slip or attested photo copy. Last six months bank statement. Last six months bank statement. Copy of the title documents/other supporting documents of the property to be placed with the bank as security. Copy of the title documents/other supporting documents of the property to be placed with the bank as security.

4. SOLE PROPRIETORSHIP Attested copy of CNIC. Attested copy of CNIC. Two passport size photographs. Two passport size photographs. Certificate from the bank indicating title & account opening date Certificate from the bank indicating title & account opening date Copy of the latest paid utility bill received at the residential address. Copy of the latest paid utility bill received at the residential address. Copy of the latest utility bill received at the business address. Copy of the latest utility bill received at the business address. Last six months bank statement (business/personal) Last six months bank statement (business/personal) Copy of the title documents/other supporting documents of the property to be placed with the bank as security. Copy of the title documents/other supporting documents of the property to be placed with the bank as security. Copy of the latest income tax return or NTN. Copy of the latest income tax return or NTN. Certificate or other levy-able payment receipts. Certificate or other levy-able payment receipts.

5. PARTNERSHIP Attested copy of CNIC. Attested copy of CNIC. Two passport size photographs. Two passport size photographs. Partnership Deed or Bank Certificate indicating title account opening date. Partnership Deed or Bank Certificate indicating title account opening date. Copy of the title documents or rent deed of business premises. Copy of the title documents or rent deed of business premises. Copy of the latest paid utility bill received at the residential address. Copy of the latest paid utility bill received at the residential address. Copy of the latest utility bill received at the business address. Copy of the latest utility bill received at the business address. Last six months bank statement (business/personal) Last six months bank statement (business/personal) Copy of the title documents/other supporting documents of the property to be placed with the bank as security. Copy of the title documents/other supporting documents of the property to be placed with the bank as security. Copy of the latest income tax return or NTN Certificate or other levy-able payment receipts. Copy of the latest income tax return or NTN Certificate or other levy-able payment receipts.

6. Basic Finance Documents Demand Promissory Note Demand Promissory Note Buy Back Agreement Buy Back Agreement Amortization Schedule duly signed by the borrower Amortization Schedule duly signed by the borrower Direct Debit Authority Direct Debit AuthorityGuarantees Personal Guarantee of Borrower / Mortgagor (owner of asset) Personal Guarantee of Borrower / Mortgagor (owner of asset) PNWS/Wealth Tax returns for P-Gtee's PNWS/Wealth Tax returns for P-Gtee's Life Insurance Life Insurance Comprehensive Insurance Policy covering full value of Loan Amount with Bank's mortgage clause Comprehensive Insurance Policy covering full value of Loan Amount with Bank's mortgage clause Evidence of premium payment and cheque realization certificate in case premium paid through cheque Evidence of premium payment and cheque realization certificate in case premium paid through cheque

7. Insurance ( Mortgage ) Comprehensive Insurance Policy covering full value of Property/securities with Bank's mortgage clause Comprehensive Insurance Policy covering full value of Property/securities with Bank's mortgage clause Evidence of premium payment and cheque realization certificate in case premium paid through cheque Evidence of premium payment and cheque realization certificate in case premium paid through chequeOthers Approval Approval Branch Recommendation Branch Recommendation Data Check Data Check Customer Account # Confirmation required for disbursement of finance. Customer Account # Confirmation required for disbursement of finance. Latest clean CIB report from SBP (prior date of CA Latest clean CIB report from SBP (prior date of CA approval) approval) Facility Offer Letter duly acknowledged by the Borrower Sent to Branch Facility Offer Letter duly acknowledged by the Borrower Sent to Branch Clear & visible photocopies of the witnesses. Clear & visible photocopies of the witnesses. 12 / 36 Post dated cheques of Installment Amount 12 / 36 Post dated cheques of Installment Amount Branch Confirmation for receiving Processing Fee Rs. 6,500/- Branch Confirmation for receiving Processing Fee Rs. 6,500/- Copy of Pay Order & Payment confirmation Letter Copy of Pay Order & Payment confirmation Letter

8. Documentation Required for Financing against the Purchase of House by Civilians - DHA Original Sale / Conveyance Deed in favour of customer - Branch Undertaking required Indenture of License in Form 'A‘ - Branch Undertaking required Indenture of License in Form 'B‘ - Branch Undertaking required Covering Letter of Approved Building Plan - Branch Undertaking required Approved Building Plan - Branch Undertaking required Allotment Letter issued by DHA- Branch Undertaking required Agreement to Sale in favour of Customer - Branch Undertaking required

9. Token Mortgage Deed registered (TMD) for 5% of Finance Amount - Customer Undertaking RequiredToken Mortgage Deed registered (TMD) for 5% of Finance Amount - Customer Undertaking Required Agreement to create registered mortgagedAgreement to create registered mortgaged Affidavit by owner of propertyAffidavit by owner of property Valuation Report by approved evaluator.Valuation Report by approved evaluator. Building plansBuilding plans Non-Encumbrance Certificate (NEC) - Customer Undertaking RequiredNon-Encumbrance Certificate (NEC) - Customer Undertaking Required PTM from the relevant authority to mortgage / prior lenders - Customer Undertaking RequiredPTM from the relevant authority to mortgage / prior lenders - Customer Undertaking Required Lien Marking Confirmation from DHA - Customer Undertaking RequiredLien Marking Confirmation from DHA - Customer Undertaking Required Possession Letter - Customer Undertaking RequiredPossession Letter - Customer Undertaking Required Irrevocable UndertakingIrrevocable Undertaking

10. Search Certificate Completion Certificate Extract from the Land Register issued by MEO showing the name of previous owner as Lessee. Initial Opinion by Lawyer's confirming Clear Title Final Opinion by Lawyer's confirming correct execution of Mortgage Documentation - Branch Undertaking required Mutation of the Property in the name of Customer from MEO - Customer Undertaking Required Mutation of the Property in the name of customer from MEO Memorandum of Deposit of Title Deeds (MOTD) for Rs… General of Power Attorney registered (GPA) Special Power of Attorney (APA) on Rs.500/- Stamp paper duly Notarized

11. Documentation Required for Financing against the Purchase of House by Civilians – Other Than DHA Original Sale / Conveyance Deed in favour of customer Original Sale / Conveyance Deed in favour of customer Transfer Letter Transfer Letter Covering Letter of Approved Building Plan - Branch Undertaking required Covering Letter of Approved Building Plan - Branch Undertaking required Approved Building Plan - Branch Undertaking required Approved Building Plan - Branch Undertaking required Allotment Letter issued by concerned Authority Allotment Letter issued by concerned Authority Agreement to Sale in favour of Customer - Branch Undertaking required Agreement to Sale in favour of Customer - Branch Undertaking required Search Certificate Search Certificate Completion Certificate Completion Certificate Initial Opinion by Lawyer's confirming Clear Title Initial Opinion by Lawyer's confirming Clear Title

12. Final Opinion by Lawyer's confirming correct execution of Mortgage Documentation - Branch Undertaking required Final Opinion by Lawyer's confirming correct execution of Mortgage Documentation - Branch Undertaking required Mutation of the Property in the name of Customer from MEO - Customer Undertaking Required Mutation of the Property in the name of Customer from MEO - Customer Undertaking Required Mutation of the Property in the name of customer from MEO Mutation of the Property in the name of customer from MEO Memorandum of Deposit of Title Deeds (MOTD) for Rs… Memorandum of Deposit of Title Deeds (MOTD) for Rs… General Power of Attorney registered (GPA) General Power of Attorney registered (GPA) Special Power of Attorney (APA) on Rs.500/- Stamp paper duly Notarized Special Power of Attorney (APA) on Rs.500/- Stamp paper duly Notarized Token Mortgage Deed registered (TMD) for 5% of Finance Amount - Customer Undertaking Required Token Mortgage Deed registered (TMD) for 5% of Finance Amount - Customer Undertaking Required Agreement to create registered mortgaged Agreement to create registered mortgaged

13. Affidavit by owner of property Affidavit by owner of property Valuation Report by approved evaluator. Valuation Report by approved evaluator. Non-Encumbrance Certificate (NEC) - Customer Undertaking Required Non-Encumbrance Certificate (NEC) - Customer Undertaking Required PTM from the relevant authority to mortgage / prior lenders - Customer Undertaking Required PTM from the relevant authority to mortgage / prior lenders - Customer Undertaking Required Lien Marking Confirmation from DHA - Customer Undertaking Required Lien Marking Confirmation from DHA - Customer Undertaking Required Possession Letter - Customer Undertaking Required Possession Letter - Customer Undertaking Required Irrevocable Undertaking Irrevocable Undertaking Original Sub lease Original Sub lease Occupancy certificate issued by KBCA Occupancy certificate issued by KBCA Search Certificate Search Certificate PT-10 evidencing payment of up to date property tax payment PT-10 evidencing payment of up to date property tax payment Genuineness of the Property Genuineness of the Property

14. Documentation Required for Financing against the Purchase of Apartment Original Sale / Conveyance Deed in favour of customer - Branch Undertaking required Original Sub lease in Favor of Seller Occupancy certificate issued by KBCA Search Certificate NOC from the Association for transfer of Flat PT-10 evidencing payment of up to date property tax payment Initial Opinion by Lawyer's confirming Clear Title Final Opinion by Lawyer's confirming correct execution of Mortgage Documentation - Branch Undertaking required

15. Memorandum of Deposit of Title Deeds (MOTD) for Rs… General Power of Attorney registered (GPA) Token Mortgage Deed registered (TMD) for 5% of Finance Amount - Customer Undertaking Required Agreement to create registered mortgaged Affidavit by owner of property Valuation Report by approved valuator PTM from the relevant authority to mortgage / prior lenders - Customer Undertaking Required Genuineness of the Property

16. CHECK LIST 1ASM VISIT REPORT 2BTF REQUEST ( IF REQUIRED ) 3AUDITED BALANCE SHEET( RS. 10 MILLION OR ABOVE ) 4COMPLETE APPLICATION FORM 5COPY OF CNIC 62 PHOTOGRAPH 7UTILITY BILLS / GAS/ELECTRICITY/TELEPHONE / ( FOR 2 MONTHS ) 8CHILDREN FEE SLIP (IF ANY) 9BASIC BORROWER FACT SHEET / CREDIT DECLARATION 10UNDERTAKING ( IPO & CREDIT DECLARATION ) 11FORMS (KYC & 2 REFERENCE) 12PROCESSING FEE PAY ORDER IN FAVOUR OF ASKARI BANK LIMITED 13RENTAL AGREEMENT OF RESIDENCE (IF ANY) 14LAST THREE MONTHS ORIGINAL PAY SLIP 15EMPLOYMENT LETTER WITH STATUS OF EMPLOYEMENT AND DATE OF JOINING 16LAST SIX MONTH ORIGINAL BANK STATEMENT 17INCOME TAX RETURN FOR THE LAST THREE YEARS 18BALANCE SHEET FOR THE LAST 2 YEARS (FOR S.E.B) 19PROPRIETORSHIP DECLARATION ON COMPANY LETTER HEAD 20BANK LETTER FOR AUTHORIZED SIGNATORY

17. 21PARTNERSHIP DEED (IF ANY) 22ARTICLE OF MEMORANDUM / 29 - ETC 23COPY OF TITLE DEED OF BUSINESS PREMISES OR RENT AGREEMENT 24COPY OF CREDIT CARDS BILL FOR THE LAST THREE MONTHS 25COPY OF THE ALLOTMENT LETTER OF THE PROPERTY 26COPY OF LEASE / SUB LEASE DEED 27COPY OF ALL REGISTERED DEEDS 28APPROVED BUILDING PLAN 29MUTATION / TRANSFER LETTER 30PROPERTY TAX CLEARANCE 31POSSESSION LETTER 32DATACHECK & ECIB REPORT 33EXECUTIVE SUMMARY 34VERIFICATION (PHYSICAL & DOCUMENTS) 35INCOME ESTIMATION (IF REQUIRDE) 36LEGAL OPINION OF THE PROPERTY 37PROPERTY VALUATION 38UP TO DATE SEARCH REPORTS 39CSA 40APPROVAL LETTER TO CUSTOMER 41LIFE INSURANCE

18. Monitoring of Mortgage Loans Normally the banks’ practice is to put on place an efficient computer based MIS for the purpose of consumer finance which is able to effectively cater the needs of consumer financing portfolio and generates necessary information reports used by the management / recovery & collection department for effective monitoring of the banks exposure and timely recovery of the installments from the customers through collection and recovery officers. Normally the banks’ practice is to put on place an efficient computer based MIS for the purpose of consumer finance which is able to effectively cater the needs of consumer financing portfolio and generates necessary information reports used by the management / recovery & collection department for effective monitoring of the banks exposure and timely recovery of the installments from the customers through collection and recovery officers. Delinquency reports pertaining to 30,60,90,120,180&360 days & above are provided to the management / recovery & collection department on monthly basis in order to keep in tact with the customers to recover the monthly installments on time and to minimize the delinquency. Delinquency reports pertaining to 30,60,90,120,180&360 days & above are provided to the management / recovery & collection department on monthly basis in order to keep in tact with the customers to recover the monthly installments on time and to minimize the delinquency. The strong grip on the newly delinquent account enable the collection to stop maximizing the overdue portfolio. Therefore the basic concept should be to focus those customers who are newly irregular. The strong grip on the newly delinquent account enable the collection to stop maximizing the overdue portfolio. Therefore the basic concept should be to focus those customers who are newly irregular.

19. THANK YOU!!