Habib Bank AG Zurich Habib Bank AG Zurich  
	Dear Valued Customers,

	For more than 52 years,  HBZ has  followed  an ethos of "Safety  With  Security".
	This  enduring  ethos  guides us as we face  the  challenge of  responding to the
	coronavirus (Covid-19).

	Our hearts and thoughts  go out to the  people  who  have  been  affected by this
	unprecedented event and we appreciate the healthcare workers,  local communities,
	and governments  around the world,  who are on the front line  working to contain
	this coronavirus.   Please know that we are  vigilantly  monitoring the  COVID-19
	situation around the clock  in all countries  we operate in and  have precautions
	in place to ensure a healthy environment at all of our premises.

	In the UAE,  we have implemented  a series of measures to ensure that none of our
	services suffer despite the potential challenges.   As of today, our branches and
	offices are open as normal.

	Given the continued concerns around COVID, the health and safety of our customers
	and our staff is of utmost importance.  Towards this end, we encourage you to use
	our Direct Banking channels that are available to support your banking needs :

	   - Phone banking services are available at 800 42242;
	   - Web and Mobile banking services  are  available  24x7  for a wide variety of 
	   - Our ATMs are multi-purpose machines - they can be used for cash withdrawals,
	     cash deposits and cheque deposits.

	You are welcome to visit our branches, but in line with government guidelines, it
	is preferred to  limit it to services  which  cannot be  handled  by  our  Direct
	Banking channels. For a list of services available, please call phone banking.

	In  case of  any  questions  or  concerns,  please  feel  free  to  contact  your
	Relationship Manager or Branch Manager or call us on 800 HABIB (42242).

	Habib Bank AG Zurich
	United Arab Emirates 

Last updated: 18th March 2020