IBAN No.

: PK41AIIN0000158347767501 Letter Generation Date :24/03/2021

Proposal No.0330-
: 19988- 1
Name : MUHAMMAD UZAIR KHAN
Address : H NO 11 ST # 4 AL FAISAL TOWN NEAR BILAL
MOSQUE JHORY PUL LAHORE CANTT
LAHORE

Mobile NO :
*033001998800120210324*

Subject: Carsaaz (Auto Finance)- Renewal Of Subsequent Year's Payment Schedule.

Dear Customer,
The Bank hereby notifies you that your subsequent Unit User Payments for the periods 05/11/2020 to 05/10/2021
has been revised in March 2021 based on twelve(12) months KIBOR being 7.6 % , as more particularly specified
in the table below:

Applicable Rate (%) = KIBOR (%) + Spread (%)

14.09 = 7.60 + 6.49

Your Payment Non Checking Account number is 0059092586000130 . You can pay your Unit User Payment
installments in this account in any of the Bank's branches.

Your revised Schedule of Payment Dates is Attached herewith for your reference.

We are committed to providing you with the best Shari'ah compliant services and look forward to long term
business
relationship. Should you have any query, please feel free to contact your Relationship Manager or call our Phone

Banking service
Capitalized termsatused
+92 herein,
(21)-111-113-442 .
unless otherwise defined, shall have the same meaning as ascribed to them in
the
Agreement.
Regards,

For and on behalf of

AL BARAKA BANK (PAKISTAN) LIMITED

AL BARAKA BANK (PAKISTAN) LIMITED UAN:+92 (21)-111-113-442

162, BANGLORE TOWN, MAIN tel : +92 (21)-34315851
SHARAH-E-FAISAL KARACHI-PAKISTAN
www.albaraka.com.pk
 Al Baraka Bank (Pakistan) Ltd.
Al Baraka Carsaaz Repayment Schedule
Repayment Schedule Generation Date :24/03/2021 Payment Account # : 0059092586000130

Name of Customer MUHAMMAD UZAIR KHAN Customer's Share in Vehicle (Rs) 724,316.00 66.21%
Vehicle Make and Model SUZUKI - SUZUKI WAGON R GRID I Bank's Share in Vehicle (Rs) 369,684.00 33.79%
Total Units Share of Vehicle (Rs) 1,094,000.00 100 %
Year of Manufacture 2017
Price of vehicle (Rs) 1,094,000.00
Tenor (Years) 5 Takaful Contribution (Rs) 30,768.75 2.74%
InstallmentPeriods (Months) 60 Registration Fees Unit Share (Rs) 0.00 0.00%
Applicable Rate 14.09 GRID II (a) Customer's share in Vehicle (Rs) 724,316.00 64.40%
Takaful Rate (b) Bank's share in Vehicle (Rs) 369,684.00 32.87%
Facility Reference No 347767 , 0330-19988/1 (A) Total Units Share of (Rs) 1,124,768.75 100 %
Vehicle
(a) Customer's share in Vehicle (Rs) 724,316.00 64.40%
(c) Customer's Share in Regunits (Rs) 0.00 0.00% (c) Customer's Share in Reg units (Rs) 0.00 0.00%
(e) Customer's Share in Takaful 20,371.37 1.81% GRID III (d) Bank's Share in Reg units (Rs) 0.00 0.00%
Contribution (Rs) (c+d) Registration Units Share (Rs) 0.00 0%
(d) Bank's Share in Reg units (upfront 0.00 0.00%
GRID VI units purchased by customer) (Rs) (e) Customer's Share in 20,371.37 66.21%
(f) Bank's Share in Takaful 10,397.38 0.92% Takaful Contribution (Rs)
Contribution(upfront units GRID IV (f) Bank's Share in Takaful 10,397.38 33.79%
purchased by customer) (Rs) Contribution (Rs)
(B) Total Customer's Share (Rs) 755,084.75 67.13 % Takaful Units Share (Rs) (e+f) 30,768.75 100 %
in Vehicle (a+c+d+e+f)

Net Bank's Share in Vehicle or 369,684.00 32.87% Total customer's unit share in 744,687.38 66.21%
financing Amount (A-B) (Rs) Vehicle (a+c+e) (Rs)
GRID VII Customer’s Share in Vehicle 755,084.75 67.13% GRID V Total Bank's share in Vehicle 380,081.37 33.79%
Vehicle (Rs) (b+d+f) (Rs)
Total Units share of (Rs) 1,124,768.75 100 % Total Units share of Vehicle (Rs) 1,124,768.75 100 %
Vehicle (a+b+c+d+e+f)

No.of Payment Outstanding Buy Out Unit User Takaful Total No of Settlement DPD Charity
Months Date Buy Price=Principal Payment = Contribution Installment Musharakah Date
Out Price= Portion (Rs) Profit (Rs) Amount (Rs) Units
Outstanding Portion (Rs) Outstanding
Principal Units (Rounded-off) (Rs)
(Rs)
A a b c B=a+b+c C=A-a
1 06/11/2017 875,200.00 12,695.19 7,147.39 3,076.88 22,920.00 862,504.81 02/12/2017 26 500.00
2 05/12/2017 862,504.81 10,655.13 9,187.45 3,076.88 22,920.00 851,849.68 29/12/2017 24 500.00
3 05/01/2018 851,849.68 10,466.17 9,376.41 3,076.88 22,920.00 841,383.51 26/01/2018 21 500.00
4 05/02/2018 841,383.51 10,581.37 9,261.21 3,076.88 22,920.00 830,802.14 23/02/2018 18 500.00
5 05/03/2018 830,802.14 11,582.81 8,259.77 3,076.88 22,920.00 819,219.33 21/03/2018 16 500.00
6 05/04/2018 819,219.33 10,825.33 9,017.25 3,076.88 22,920.00 808,394.00 16/04/2018 11 500.00
7 05/05/2018 808,394.00 11,231.52 8,611.06 3,076.88 22,920.00 797,162.48 15/05/2018 10 0.00
8 05/06/2018 797,162.48 11,068.11 8,774.47 3,076.88 22,920.00 786,094.37 22/06/2018 17 500.00
9 05/07/2018 786,094.37 11,469.06 8,373.52 3,076.88 22,920.00 774,625.31 23/07/2018 18 500.00
10 06/08/2018 774,625.31 11,316.18 8,526.40 3,076.88 22,920.00 763,309.13 16/08/2018 10 0.00
11 05/09/2018 763,309.13 11,440.74 8,401.84 3,076.88 22,920.00 751,868.39 05/09/2018 0.00
12 05/10/2018 751,868.39 11,833.64 8,008.94 3,076.82 22,920.00 740,034.75 15/10/2018 10 0.00
13 05/11/2018 740,034.75 10,945.23 9,999.80 2,905.94 23,851.00 729,089.52 28/11/2018 23 500.00
14 05/12/2018 729,089.52 11,410.94 9,534.09 2,905.94 23,851.00 717,678.58 24/12/2018 19 500.00
15 05/01/2019 717,678.58 11,247.32 9,697.71 2,905.94 23,851.00 706,431.26 09/01/2019 4 0.00
16 05/02/2019 706,431.26 11,399.31 9,545.73 2,905.94 23,851.00 695,031.95 05/02/2019 0.00
17 05/03/2019 695,031.95 12,462.21 8,482.82 2,905.94 23,851.00 682,569.74 05/03/2019 0.00
18 05/04/2019 682,569.74 11,721.74 9,223.29 2,905.94 23,851.00 670,848.00 05/04/2019 0.00
19 06/05/2019 670,848.00 11,880.13 9,064.90 2,905.94 23,851.00 658,967.87 06/05/2019 0.00
20 05/06/2019 658,967.87 12,327.90 8,617.13 2,905.94 23,851.00 646,639.98 08/06/2019 3 0.00
21 05/07/2019 646,639.98 12,489.11 8,455.93 2,905.94 23,851.00 634,150.87 05/07/2019 0.00
22 05/08/2019 634,150.87 12,376.00 8,569.03 2,905.94 23,851.00 621,774.87 05/08/2019 0.00
23 05/09/2019 621,774.87 12,543.23 8,401.80 2,905.94 23,851.00 609,231.64 05/09/2019 0.00
24 05/10/2019 609,231.64 12,978.28 7,966.75 2,905.91 23,851.00 596,253.35 05/10/2019 0.00
25 05/11/2019 596,253.36 11,936.03 10,396.53 2,735.00 25,068.00 584,317.33 05/11/2019 0.00
26 05/12/2019 584,317.33 12,472.81 9,859.75 2,735.00 25,068.00 571,844.52 05/12/2019 0.00
27 06/01/2020 571,844.53 12,039.99 10,292.57 2,735.00 25,068.00 559,804.54 06/01/2020 0.00
28 05/02/2020 559,804.53 12,886.43 9,446.13 2,735.00 25,068.00 546,918.10 06/02/2020 1 0.00
29 05/03/2020 546,918.10 13,411.50 8,921.06 2,735.00 25,068.00 533,506.60 05/03/2020 0.00
30 06/04/2020 533,506.61 12,730.03 9,602.53 2,735.00 25,068.00 520,776.58 15/04/2020 9 0.00
 No.of Payment Outstanding Buy Out Unit User Takaful Total No of Settlement DPD Charity
Months Date Buy Price=Principal Payment = Contribution Installment Musharakah Date
Out Price= Portion (Rs) Profit (Rs) Amount (Rs) Units
Outstanding Portion (Rs) Outstanding
Principal Units (Rounded-off) (Rs)
(Rs)
A a b c B=a+b+c C=A-a
31 05/05/2020 520,776.58 14,346.14 7,149.91 2,735.00 24,232.00 506,430.44 15/05/2020 10 0.00
32 05/06/2020 506,430.43 14,063.59 7,432.46 2,735.00 24,232.00 492,366.84 12/06/2020 7 0.00
33 06/07/2020 492,366.84 14,269.99 7,226.06 2,735.00 24,232.00 478,096.85 24/07/2020 18 500.00
34 05/08/2020 478,096.84 14,705.76 6,790.29 2,735.00 24,232.00 463,391.08 17/08/2020 12 500.00
35 05/09/2020 463,391.09 14,695.25 6,800.80 2,735.00 24,232.00 448,695.84 05/09/2020 0.00
36 05/10/2020 448,695.84 15,123.34 6,372.71 2,735.00 24,232.00 433,572.50 19/10/2020 14 500.00
37 05/11/2020 433,572.50 15,647.69 5,188.50 2,564.06 23,401.00 417,924.81 30/11/2020 25 500.00
38 05/12/2020 417,924.81 15,996.28 4,839.91 2,564.06 23,401.00 401,928.53 29/12/2020 24 500.00
39 05/01/2021 401,928.53 16,026.37 4,809.82 2,564.06 23,401.00 385,902.16 01/02/2021 27 500.00
40 05/02/2021 385,902.16 16,218.16 4,618.03 2,564.06 23,401.00 369,684.00 24/02/2021 19 500.00
41 05/03/2021 369,684.00 16,840.36 3,995.83 2,564.06 23,401.00 352,843.64 0.00
42 05/04/2021 352,843.64 16,613.76 4,222.43 2,564.06 23,401.00 336,229.88 0.00
43 05/05/2021 336,229.87 16,942.37 3,893.82 2,564.06 23,401.00 319,287.50 0.00
44 05/06/2021 319,287.50 17,015.32 3,820.87 2,564.06 23,401.00 302,272.18 0.00
45 05/07/2021 302,272.18 17,335.63 3,500.56 2,564.06 23,401.00 284,936.55 0.00
46 05/08/2021 284,936.55 17,426.40 3,409.79 2,564.06 23,401.00 267,510.15 0.00
47 06/09/2021 267,510.15 17,531.67 3,304.52 2,564.06 23,401.00 249,978.48 0.00
48 05/10/2021 249,978.48 18,037.73 2,798.46 2,564.09 23,401.00 231,940.75 0.00

Note:
A. This is a system generated Repayment Schedule (RPS) and does not require any signature. This RPS is valid for the repayments of relevant
period only and subsequent year’s RPS will be sent at the time of renewal. In case of any query or for reporting claim or you notice an error in
RPS or if RPS is not received or require any clarification with respect to the contents of this RPS, you may contact Al Baraka Bank (Pakistan) Ltd
by using following modes of communication within a period of five (5) working days from the date of generation of this repayment Schedule,
after which this RPS shall be deemed to be binding on you.

B. As per bank policy and process it is customer’s responsibility to contact Bank (at finance maturity or at settlement stage) for release of NOC
along with finance related documents. Customer is responsible to take vehicle to tracker service center for tracker removal upon intimation of
Bank / Tracker Company.

C. “In case of late payment; Customers shall pay an amount of Rs 500/-(Rupees Five Hundred only) (per installment/per month) to charity fund
maintained by Al Baraka Bank (Pakistan) Ltd which fund shall be used by Al Baraka Bank (Pakistan) Ltd for charitable purposes”

D. Following are the modes of communication available in order to approach/contact Bank

a) Bank phone banking (Toll free):+92(21)-111-113-442 OR
b) For lodging Partial/Total Loss Claim send an e mail to [email protected]
c) For any finance facility related enquiry such as; Pay off calculations, payment schedule etc send an email to [email protected]
or visit our Assets Customer Care Center located (KHI,LHR,ISD)
d) For Complaints Send an e mail to [email protected] OR
e) Visit your nearest Branch and consumer center of Al Baraka Bank
f) Write to Head of Consumer Finance Department of Al Baraka Bank at ( 2nd Floor-162, Bangalore Town,
Main Shahra-e-Faisal, Karachi-74000, and Pakistan.

E. As per SBP Consumer protection department letter reference BC&CPD/CPU-04/101/15922/2019 which signifies the following key points regarding
Credit Information Bureau(CIB) Reporting as per CPD Circular letter No 1 of 2015
a. In Case of recovery against write off/overdue/late payment the bank /FIs will clearly mention in the clearance letter/NOC that history of
overdue/write off /late payment will continue to be reflected in credit report for a period of one year
b. Any financial relief in the form of write off/reversal of markup given to customer upon request of customer shall be reported to
Credit information Bureau (CIB).