Consumer Products

Application Form

Existing Relationships Please complete all details in capital letters

Are you an existing HBL customer? Yes No If yes, please provide account/IBAN details on all products/accounts held with us below

Account PersonalLoan HomeLoan CreditCard

CarLoan SalaryPlus Other (please specify)

Do you have a relationship with other Banks? Yes No Bank Name A/c No.

What would you like to apply for? (please select)

CreditCard PersonalLoan SalaryPlus CarLoan HomeLoan
Personal Information
Title of Account (as per CNIC/ID)
Title Mr. Mrs. Ms. Dr. Other First Name (as per CNIC/ID)
Middle Name(s) (if applicable) Last Name (as per CNIC/ID)
Father’s Name Husband’s Name (if applicable)
Mother’s Maiden Name Date of Birth D D M M Y Y Y Y
Gender Male Female Other Number of Dependents
Marital Status Single Married Other Passport No.
(Foreign nationals holding a
valid Pakistani visa only)
ID Document Type CNIC SNIC NICOP POC ARC ID No.
(please select)
Date of Issue D D M M Y Y Y Y Date of Expiry D D M M Y Y Y Y NTN
(if applicable)
Nationality Other Nationalities? Yes No If 'Yes', please list nationalities

City of Birth Country of Birth Country of Residence

Are you, or have you ever been a citizen or tax resident of a Yes No If ‘Yes’, please complete the CRS/FATCA
country other than Pakistan? Declaration Form - Individual

Residential Address
House/Appt. No./Appt. Name Street No./Name
Area/District City Country
Post/Zip Code (if applicable) Nearest Landmark (if applicable)

Property Status Owned Parent Ownership Mortgaged Rented Company/ Shared

(Residential) Govt. Provided Accommodation
Type of Accommodation House Apartment Portion Residing Since D D M M Y Y Y Y

Permanent Address (complete if different to Residential Address)

House/Appt. No./Appt. Name Street No./Name
Area/District City Country
Post/Zip Code (if applicable) Nearest Landmark (if applicable)

Work Address
Office No./Office Name Street No./Name
Area/District City Country
Post/Zip Code (if applicable) Nearest Landmark (if applicable)
Premises Status (For Self Employed Businessmen & Professionals Only) Owned Rented
Contact Details (as applicable)
Residential Landline Mobile Number
Office Landline Email Address

Preferred Mode of Contact

Mailing Address (select one) Residential Permanent Work
Mode of Communication (please select) Postal Email SMS

Customer Demographics
Customer Type Salaried Self-Employed Housewife Landlord HBL Staff Pensioner Other
(please select) (please specify)
Nature of Business Import/Export Manufacturing Agriculture Trading Other (please specify)
(please select)
Profession Govt. Employee Businessman Private Service Housewife Doctor Professor
Engineer Student Labourer Self Employed Professional Other (Please specify)

Name of Company/Employer Designation

Department Employment Status Permanent Contractual
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Employment/ Private Ltd. Public Ltd Govt. Semi Govt. Partnership
Business Type (Registered/Unregistered)
Sole Proprietor Multinational A r m e d Fo rc e s NGO/Trust/Cooperatives

Employed/Running Business since D D M M Y Y Y Y Total previous work experience Years

Education No Education Below Matric Matriculation/O level Intermediate/A level Graduate
Post Graduate Diploma Doctorate Other (Please specify)
Monthly Income (PKR)
Source of other Income Salary Business Real Estate Rental Property
and amount (PKR) (PKR) (PKR) (PKR)
(complete all that apply) Agriculture Home Remittance Other Source Amount
(PKR) (PKR) (PKR)

PersonalLoan SalaryPlus Loan amount requested PKR

Loan purpose Wedding Vacation Education Other (Please specify)

CarLoan New Locally Manufactured Vehicle Imported Reconditioned Vehicle

CarLoan Category
New Completely Built Unit Light Commercial Vehicle Used Vehicle
Details of CarLoan Applied for
Manufacturer C a r M a ke C a r Model
Year of Manufacture Dealer Name Colour
Price/Value (PKR) Amount Financed (PKR) Insurance Rate
Equity/Security Deposit (%/amount) PKR In s u r a n c e C o m p a n y
Residual Value/Deffered Amount PKR Tracker Installed Yes No
Seller Name Advance Booking Ready Delivery

HomeLoan
Loan Purpose Buy Build Renovate Balance Transfer Facility Enhancement Construction Plot plus Construction

Desired Amount of Financing PKR

Co-Borrower 1* Resident Pakistani Yes No Co-Borrower Relation Spouse Father Mother Brother Son

Income Clubbing Property Ownership Both

Co-Borrower 2* Resident Pakistani Yes No Co-Borrower Relation Spouse Father Mother Brother Son

Income Clubbing Property Ownership Both

*In case you are a Non-Resident Pakistani, 1 Resident Pakistani Co-Borrower is mandatory.

Pricing Options and Term of Loan (PersonalLoan/CarLoan/HomeLoan)

Pricing Options* Floating 1 Year 3 Years 5 Years Fixed
Term of Loan/Lease (months)** 12 24 36 48 60 72 84 96 108 120 132 144 156
168 180 192 204 216 228 240 252 264 276 288 300

**Note: Minimum for CarLoan and PersonalLoan is 12 month *Note: Fixed option for PersonalLoan and CarLoan
Maximum for CarLoan (Used Vechicle) and PersonalLoan is 60 month
Maximum for CarLoan (New Vechicle) is 84 month Floating option for CarLoan (1 Year) and HomeLoan (1,3,5 Year)
Minimum for HomeLoan 60 month, Maximum 300 month (Others)
120 month (Renvoation)

CreditCard HBL VISA Green HBL FuelSaver Green HBL VISA Gold

HBL FuelSaver Gold HBL VISA Platinum

Name to appear on HBL CreditCard (19 characters only, including spaces)

Expected Credit Turnover (monthly) Amount (PKR) No. of Transactions

Expected Debit Turnover (monthly) Amount (PKR) No. of Transactions
Would you like to apply for a Supplementary Card? Yes No Basic Card No.

First Name Middle Name Last Name

Mother’s First Name Landline No. Date of Birth D D M M Y Y Y Y

Mobile No. Email Address

Name to appear on Supplementary Card (19 Characters only, including spaces)

CNIC No. Date of Issuance (CNIC) D D M M Y Y Y Y

Relationship Parent Spouse Son / Daughter Brother / Sister Other

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Billing Instructions *For selected consumer products only

* Direct Debit Instructions (DDI) Yes No

Direct Debit A/c No. /Repayment A/c No. PK HAB B 0 0
* Direct Debit Payment Instructions Full amount (Last statement balance) Minimum amount (Last statement)
* Kindly select the services that you require HBL E-Statement Yes No

HBL SMS Alerts Service Yes No

Reference Details
Reference 1 Name
CNIC Relationship
Address
Tel.No. (Res.) Tel.No.(Off.) Mobile

Reference 2 Name
CNIC Relationship
Address
Tel.No. (Res.) Tel.No.(Off.) Mobile

Details of existing exposure from the Entire Banking Sector as per SBP Annexure CF-1

I undertake that the detail of my existing exposure from the “Entire Banking Sector” as per application signing date is as under:

Details of Credit Cards (Clean) limits being availed from other Banks/DFI Details of Credit Cards (Secured) limits being availed from other Banks/DFIs

Sr. # Name of the Bank/DFI Approved Limit Sr. # Name of the Bank/DFI Approved Limit

Details of Personal Loan (Clean) limits being availed from other Banks/DFIs Details of Personal Loan (Secured) limits being availed from other Banks/DFIs

Sr. # Name of the Bank/DF Approved Limit Amount Outstanding Sr. # Name of the Bank/DF Approved Limit Amount Outstanding
on Application Date on Application Date

Details of other facilities, if any (Clean & Secured) being availed from other Banks/DFIs Applied Limits (Including applications in process)

Sr. # Name of the Bank/DFI Approved Limit Nature (Clean/Secured) Current Outstanding Sr. # Name of the Bank/DFI Approved Limit Nature (Clean/Secured) Current Outstanding

Customer’s Declaration (Consumer Products)

A. General
By signing this declaration, I/we hereby represen
bank (including
new and/or replace
ed on my written

2. That all information stated in this Application, and any documents provided to you in pursuance of this Application or otherwise provided to
you by me/us or on behalf of me/us by my/our authorized representatives is complete, true and accurate in all material aspects and that I/we have
not withheld any information. I/ we shall keep you informed from time to time of any change of facts or circumstances that may render any
information, statements, representations and/or particulars given by me/us hereunder, incorrect or untrue. I/ we understand that my/our
non-disclosure of any facts on the change of circumstances hereunder may amount to making intentional and/or negligent misrepresentation(s)
and/or providing fraudulent information, which may incur civil and/or criminal liability to me/us.
3. I/ we agree to provide you with further information/documents as may be requested by you from time to time in connection with this
Application and hereby authorize you to verify any information provided by me/ us to you (whether in this Application or otherwise) from any
source and obtain information relating to me/us from third parties, whenever you deem necessary.
or to such change.
5. That my/our signature(s) on this Application matches my/our signature(s) on my/our CNIC. I/we understand and acknowledge that in the event
be rejected by you.
6. My/our loan liabilities to all sources, institutions and persons, have been fully and accurately reported in this Application and there are no
ion in the past, neither
in my/our personal capacity, nor as a proprietor / partner of any business concern or in any other capacity.

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 family members
from other banks through credit cards and other forms of personal loans is neither in excess of nor it shall be in excess of any limits prescribed by

acility) obtained by me/us from

you, directly from my designated repayment account at the speci ule and welcome pack.
n the schedule of charges
(amended from time to time) available at your branches and at your website and which schedule of charges I/we have familiarized myself/ourselves. I
acknowledge that it is my/our responsibility to keep up to date with your latest schedule of charges which is available via your branches and website.
10. That I/we have authorized you to exchange and share with third parties, including but not limited to a credit bureau, agent
regulator, company or any other person or entity, any informa lities or any other
information pertaining to me/us as deemed necessary or appropriate by you from time to time.
d as communicated
by me/us to you from time to time, and update my/our details for my/our bank accounts and all delivery channels.

d by you to me/us.
ve agreements in
evail.
by you to me/ us
nt that I/we
ments executed
undertake that
I/we accept the terms and conditions for all the products obtained by me/us i.e. phone banking, insurance, debit cards and personal loan and am
bound by all the terms and conditions of the bank and the respective product’s terms and conditions.
d in my application
urther agree that as and
when you shall require proof or evidence to prove that I/we have utilized the said funds for the purpose as mentioned in my application / request
letter, I/we shall provide the same to you and also authorize you to ascertain or monitor from my/our books, account(s) that the proceeds /funds of

16. That you reserve the right to reject my/our application at your sole discretion without assigning any reason and will not incur any liability for the same.
g branches)
(collectively “the Bank”) to share my/our personal information with respect to any of my/our accounts with the Bank directly or indirectly with the
Overseas Regulators or Tax Authorities where necessary to establish my/our tax liability in any jurisdiction.
18. I / We agree and undertake to notify the Bank within 30 calendar days if there is a change in any information which I have provided to the Bank.
B. Credit Card
1. That all foreign currency credit card charges made by me/us or any supplementary card member shall be against my local currency account
balances maintained with you.
2. That I/we am/are responsible for payment of charges and liabilities billed by you (as per the prevailing schedule of charges as amended from
time to time) in my/our statement of account(s) including those of the supplementary card members whose cards have been issued at my/our
request and which are guaranteed by me/us.
3. That in the event of approval of my/our application I/we will be supplied with a credit card together with a booklet containing the terms and
conditions of the contract between us in respect of my credit card and supplementary credit card(s) issued in such connection.
4. That by signing the back of the credit card and/or by activating the credit card and/or by using the credit card, I/we will signify my/our
agreement to and will thereafter be bound by, all such terms and conditions. In the event that I/we no longer want to avail the credit card facility,
I/we shall cut the card (and any supplementary cards) in two halves and return it to you and pay all outstanding amounts in relation to the credit
card facility immediately to you.
5. I/We understand that I/We can use my/our HBL Credit Card for carrying out transactions at POS terminals, e-commerce merchants, HBL Internet
Banking Service and/or on any other Alternate Delivery Channels (ADCs) in Pakistan as well as outside of Pakistan. I/We can also use my/our HBL
Credit Card at Automated Teller Machines (ATMs) of any bank whether in Pakistan or outside Pakistan, which carry the payment network logo.
C. Salary Plus
1. That my/our monthly salary is currently being credited in my/our salary account(s) with you as mentioned in the Application.
my/our salary will be regularly deposited in the respective salary account(s) with you and in case of failure to do so my/our salary plus facility will be blocked.
ted by me/us
in this request.
3. I/we have authorized you to deduct my/our monthly repayments, installment, fees and charges of existing salary plus facilities availed from you
including any products availed in future from overdraft term created in repayment account i.e. existing Salary Account with HBL at the

amounts payable
ou. You are also
y my employer.
D. Personal Loan
1. I/we have authorized you to take out life insurance cover for and in my/our names. Such insurance cover will be part of the Master Policy taken
by you from an insurance company for me/us and I/we hereby authorize you to obtain from any physician, hospital, clinic, insurance company or
other organization, institution or person that has any record or knowledge of me/us or my/our health and medical history and any hospitalization,
advice, treatment or disease or ailments.
amounts payable
ou. You are also
y my employer.
E. Auto Loans / Home Loans
(i) For both Home Loan and Auto Loan, I/we further authorize you to open a non-checking repayment account or any such account(s) that you
e terms and
conditions for such account(s) and shall be binding on me/us and I/we also undertake to provide any additional information as may be required by
you for such account(s).
(ii) For Home Loan only, I/we have authorized you to take out property and/or life insurance in my/our names. Such insurance cover will be part of
the Master Policy taken by you from an insurance company for me/us and I/we hereby authorize you to obtain from any physician, hospital, clinic,
insurance company or other organization, institution or person that has any record or knowledge of me/us or my/our health and medical history
and any hospitalization, advice, treatment or disease or ailments.
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Page 5 of 6
 Primary Applicant Date D D M M Y Y Y Y Supplementary Card Date D D M M Y Y Y Y
Signature Holder’s Signature
(CreditCard)

Primary Applicant Co-Borrower Signature Co-Borrower Signature Date D D M M Y Y Y Y

Signature as per CNIC (CarLoan / HomeLoan) (CarLoan / HomeLoan)

Relationship with Relationship with

Primary Applicant Primary Applicant

For Bank Use Only

Primary Co-Borrower Primary Customer Number Is the customer visually impaired? Yes No

Is the Customer a Politically Exposed Person (PEP) or a Family Member / Close Relative / Associate

Land Line Exception Required Yes No Basic Applicant’s Salary is Credited in HBL A/c Yes No
(In case of salaried customer with joint account)
Customer is working / running business from residence Yes No
Nature / Type of Business or Occupation Bank Branch Code
Customer Verification and Authentication for Consumer Product application conducted by Branch Yes No
If yes, verification results: Positive Negative N/A (in case of NO)
Date D D M M Y Y Y Y Category Promotion Region Name
Sourcing Channel Call Centre Direct Sales Branch Sales Tele Sales Dealership Sales Institutions Sales
Sales Executive Name Personnel No. / Sales Code
Referrer Name Referrer Personnel ID / Code
Sign.
Processor Name Employee No.
Sales Executive Signature
ASM Name Employee No.
Sign.
For Account Opening* For Consumer Product**

Officer Name Signature Attorney No. P. No.

Manager Name Signature Attorney No. P. No.

* I / We confirm that I / We know the customer or I / We have interviewed the customer(s) personally and have updated / verified the details in the system.
** I / We confirm that the customer’s signature has been verified.
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