Important announcement!

	HABIB BANK AG ZURICH IS NOT AFFILIATED WITH HABIB BANK LIMITED (HBL)

	Habib Bank AG Zurich  wishes  to  clarify  that  it  has no legal or 
	beneficial,  direct or indirect  affiliation,  or  shared  ownership
	in  Habib Bank Limited (HBL),  which  is  a Pakistan-based financial
	institution.

	Habib  Bank  AG  Zurich  was  established  on  August 25,   1967  in 
	Switzerland  by  the  Habib  family  who  have  been in the  banking
	business since 1921.

	Habib Bank AG Zurich is an international bank with operations in the
	United Kingdom,  Canada,  Hong Kong,  Pakistan,  UAE,   South Africa
	and Kenya through branches and subsidiaries.

	Habib  Bank  AG  Zurich   has   no   branch  or  subsidiary  in  the
	United States of America.

	In the UAE,  Habib Bank AG Zurich  is  operating  as  a   branch  of
	Habib Bank AG Zurich, Switzerland.

	For any further information, kindly contact us at csd@habibbank.com.