BASE RATES

BASE RATE TYPE	RATE
HBZ Prime Rate (HBZPR) - applicable to Business   History	10.50%
HBZ Lending Rate (HBZLR) - applicable to Individuals   History	10.50%

CURRENT ACCOUNT RATES (CONVENTIONAL)

CURRENCY	RATES (% per annum)
EUR (Euro)   History	0.00%
CHF (Swiss Franc)   History	0.00%

SAVINGS ACCOUNT RATES (CONVENTIONAL)

CURRENCY	RATES (% per annum)
AED (United Arab Emirates Dirham)   History	0.05%
USD (United States Dollar)   History	0.05%

TIME DEPOSIT RATES (CONVENTIONAL)

CURRENCY	TENOR / RATES (% per annum)
	1 month	3 months	6 months	9 months	12 months	18 months	24 months
AED (United Arab Emirates Dirham)   History	0.35%	0.45%	0.50%	0.75%	0.75%	1.00%	1.25%
USD (United States Dollar)   History	0.35%	0.45%	0.50%	0.75%	0.75%	1.00%	1.25%

CALL ACCOUNT RATES (CONVENTIONAL)

CURRENCY	RATES (% per annum)
AED (United Arab Emirates Dirham)   History	0.00%
USD (United States Dollar)   History	0.00%
EUR (Euro)   History	0.00%
CHF (Swiss Franc)   History	0.00%

---

IMPORTANT NOTES:

• HBZPR (Habib Bank AG Zurich Prime Rate) applicable for Business are subject to change from time to time at the sole discretion of the Bank with 30 days notice.
• HBZLR (Habib Bank AG Zurich Lending Rate) applicable for Individuals are subject to change from time to time at the sole discretion of the Bank with 60 days notice.
• Time Deposit rates are subject to change at the sole discretion of the Bank without prior notice.
• Time Deposit rates for other currencies can be obtained by contacting the Branch.
• Savings Account rates are subject to change at the sole discretion of the Bank with 60 days notice.
• Interest on Savings account is earned on the minimum balance during the month and is credited on a half-yearly basis.
• In case of any further details, please contact us at 800-42242 (HABIB) or +971 (4) 419 5555 if you are calling from outside the UAE or visit your Branch.