CUSTOMER COMPLAINTS HANDLING PROCEDURE

Habib Bank AG Zurich (HBZ) has a Complaints handling procedure in place to ensure that you receive a quick and fair response to any complaint you may have about any of its banking service(s).

To resolve your issue, you should contact your dedicated Relationship Manager. If you do not consider that you have received a timely and fair response, you should direct your complaint to the Branch Manager where you hold your bank account.

Alternatively, you can initiate your complaint directly, either by;

• emailing at csd@habibbank.com
• calling at 800 HABIB (42242)

It is bank's policy to reply to you within 10 working days. In circumstances where this is not possible, the Bank will keep you informed of progress regularly.

The Bank expects the majority of complaints will be quickly resolved to your satisfaction at this level. If however, you are still dis-satisfied you can write (with details) to the Country Manager at the address below:

Habib Bank AG Zurich

UAE Zonal Office,

367-1013, Umm Al Sheif,

Opp; Gold & Diamond Park, Sh. Zayed Road,

P.O. Box 3306, Dubai, U.A.E.