Electronic Banking Presentation

By : E-Business Department

e-Banking
Summit Bank is one of the fastest growing commercial banks of Pakistan with the branch network of 187 and ATM network of 180 (including 40 off-site ATMs). To be on the forefront and maintain the market share, we are in a continuous effort towards excellence and innovation. Summit Bank is investing in enhancement of its Electronic Banking Infrastructure through new products and services. We offer our customers a diverse range of electronic services and convenient banking options through various channels, such as ATMs, mobile phones and Internet. E-Banking is automation of Conventional and non-

conventional Banking product and services directly offered to

customers through electronic & interactive communication channels, such as a Personal Computer (PC), Personal Digital Assistant (PDA), ATM, Kiosk, IVR, Internet, Mobile etc.

E-Banking Services

Visa Debit Card

ATM Network

Mobile Banking

E-Voice

Internet Banking

The VISA debit card can be regarded as an electronic cheque, whereby the transaction amount is directly debited to the cardholder's deposit account. Summit Banks VISA debit card can be used as an ATM card at all Summit Bank ATMs, MNET or 1-Link ATMs, or ATMs carrying the PLUS logo in overseas. Our VISA Card is also acceptable at more than 1.4 million ATMs, which gives you 24 hour access to your deposit accounts from anywhere in the world, and at over 30 million merchant outlets worldwide carrying a VISA sign.

Visa Debit Card Eligibility Criteria We offers Visa Debit Card for its following Local Currency Account Holders only. Visa Classic Cards and Gold Cards:

All Individuals
All personal Joint account holders shall have Any of us or Either / Survivor operating Instructions. Sole Proprietorship Accounts. Visa Debit Card may be issued to semi literate customer (who can read but cannot write and consequently cannot sign the bank's documents

Visa Gold Card:

Visa Gold Card shall be issued to those customers who are maintaining Initial deposit balance of Rs. 500,000/in their checking accounts or any other profitable scheme of the Summit Bank i.e. Mahana Amdani / Term Deposit Receipt etc. Visa Gold cards may also be issued to such customers (without meeting the initial deposit requirement) at the discretion of competent authorities. Cash Back Facility: 5% cash back* applicable on purchase through Gold Card. Applicable on spend amount as low as Rs.3,000. Maximum cash back amount per month is Rs 500 (i.e on Rs 10,000 maximum per month). The cash back amount will be credited to your account at the start of the following month (if criteria met). Applicable only on Gold Card Holders maintaining minimum average balance of Rs.300,000 . How to Apply : Customer can apply for by visiting the branch and signing Visa Debit Card forms.

Service Suite :
Cash withdrawal

Balance Inquiry Mini Account Statement

Funds Transfer (within Summit Bank)

Interbank Funds Transfer (to any account of 22 member Banks of 1-Link) Free Utility Bill Payment & Postpaid Bill payment Free Mobile Recharge

Statement of Account Request

Cheque Book Request ATM Card PIN change Subscription Mobile Banking service

Credit Card Bill Payment

Service Charges
Service (Visa / Classic Card)
Cash withdrawal Balance Inquiry Mini Account Statement Funds Transfer (any account within Summit Bank) Interbank Funds Transfer

Charges at SBL ATMs

Free Free Free Free Rs. 40

Charges at 1-Link/M-net ATMs

Rs. 15.00 M-net ATMs Rs. 5.00

N/A N/A

Utility Bill & Postpaid Bill payment

e-Top up Mobile Recharge Statement of Account Request Cheque Book Request Credit Card Bill Payment

Free
Free Free Free Rs. 25

N/A
N/A N/A N/A N/A

International Usage
Cash withdrawal POS Transactions Balance Inquiry

Visa Classic

Visa Gold

2.5% of the transaction amount or a minimum of Rs.300/- per transaction 2.5% of the transaction amount or a minimum of Rs.300/- per transaction Rs.200/- per inquiry on any ATM or POS terminal overseas

Debit Cards

Replacement Cards
Replacement
Tier switching Lost /stolen or Supplementary cards Expired card replacement

Visa Classic
Free
Rs. 125

Visa Gold
Free Rs. 225 Free

Free

Expiry of Cards : 3 years from date of issue

Supplementary Cards
Supplementary Cards
No of Cards Allowed Annual Fee * Annual fee is waived for first year
Visa Classic

Visa Gold
2 Rs. 450

4 Rs. 250

Supplementary cards will be delivered to the primary cardholder. Activation of supplementary cards will be done on the authorization of the primary cardholder through the Contact Center. Any promotional offer made on the primary card will be equally applicable on the supplementary card.

Debit Cards

Transaction Permissions
Permissions/Services
ATM Withdrawal Fund Transfer POS Purchase Balance Inquiry Mini Statement Statement Request Cheque Book Request e-Alerts Subscription PIN Change Utility Bill Payment IBFT Card Activation

Visa Classic
Basic Card

Visa Classic
Supplementary Card

Visa Gold
Basic Card

Visa Gold
Supplementary Card

Yes

Yes

Yes

Yes

Yes
Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes

No
Yes Yes No No No No Yes No No No

Yes
Yes Yes Yes Yes Yes Yes Yes Yes Yes Yes

No
Yes Yes No No No No Yes No No No

Internet Banking
Internet Banking shall be issued to below mentioned types of account holders: a. All individual customers b. Personal account holders c. Joint account holders shall have Any of us or Either / Survivor operating instructions. d. Sole Proprietorship Accounts Registration Process Customer can be registered by following these steps: Customers can submit registration request at their respective Summit Bank branch. After proper verification at branch end, Branch will forward it to CPU through e-Accounts Module. CPU will enter the request in hPlus. COD will process requests from the system and automated emails will be sent to the customers having Activation Link. Customer will click on the activation link. Upon clicking, an Activation Code will be sent on customers registered mobile Number. Customer will enter the Activation Code, received on registered Mobile Number Select the User ID, Security Questions and accept terms and conditions Call on toll free # from registered number to generate password and ID Activation. Single ID will be issued against one CNIC (e.g if customer is maintaining multiple accounts, one ID will be issued to him/her, customer may link all accounts on this ID).

Summit Bank is providing secure, fast and convenient Internet Banking services Service Suite :
Account statement & information. Free Funds transfer within Summit Bank (own account/third party account) Funds transfer to other banks (to any account of 22 member Banks of 1-Link) Free Utility bill payments Free ATM card information Free card management ATM card PIN change

Manage ATM card limits

Order ATM card/request reissuance of card View status and/or stop payment of cheques Mobile recharge

Services
Account Statement & Information Funds Transfer within Summit Bank Inter Bank Funds Transfer Utility Bill Payments ATM Card Information Card Management ATM Card PIN Change Manage ATM Card Limits Order ATM Card/request re-issuance of Card View status and/or stop payment of cheques Mobile recharge

Charges
Free Free Rs. 40 Free Free Free Free Free As per SOP Rs. 200 Free

* Customer is required to generate and use FPIN for all financial transactions

Mobile Banking
Summit Bank is the only bank in Pakistan banking industry that is offering SMS-based Mobile Banking.
Registration Process Customer can apply for by visiting the branch and signing e-services forms. Customer can also subscribe for SMS Banking through ATM. Customer can also subscribe for SMS Banking through Internet Banking. Service Suite Account Information LTC (Last three Credit Transactions)->LTC and send to 24365 LTD (Last three Debit Transactions)->LTD and send to 24365 BI (Balance Inquiry)-> BI and send to 24365 MS (Mini statement)-> MS and send to 24365 Free Utility Bill Payment UbI (Utility Bill Enquiry ) -> UbI <space> Company Code <space> consumer no and send to 24365, e.g UBP (Utility Bill Payment) -> UBP<space> Company Code <space> consumer no <space> Amount and send to 24365 e.g Mobile Balance Re-charge MR <space> Company Code (first and last digit of the mobile network) <space> amount and send it to 24365 e.g MR UE 100

Services
GSM Subscription * Fee is waived for first three months

Charges
Rs. 20 /month

Account Information

Free

Utility Bill Payment

Free

Mobile Recharge

Rs. 05 /Transaction

Note* All these transactions can only be performed from registered number.

With a Ufone connection and a Summit Bank account, you can avail convenience like no other.
Customers can just dial *808# from their registered Ufone mobile number and avail the following services.

Service Suite :
Balance Inquiry Mini Statement Free Utility Bill Payment (currently Five Utility Companies are available) U-services (Prepaid Topup & Postpaid Bill Payment)

Funds Transfer (any account within Summit Bank)

Interbank Funds Transfer (to any account of 22 member Banks of 1-Link)

We offer the following Contact Centre-related services to our customers through our Contact Centre:

Service Suite :
Account related information Details of last 10 debit and credit account transactions Activation, suspension and reissuance of ATM cards PIN generation Utility bill payments Payorder request Cheque book request Statement request Mobile recharge up to Rs.100. Complaint registration U-Payment Subscription Priority Number for overseas customer (+922132463516)

e-Statement is a convenient facility, through which you can choose to receive your account statements over email, so you can access your statement whenever you choose, wherever you go. The paperless service allows you to save account records without any paperwork. You can choose from a list of customized statement periods.

Statement Periods:
Daily Weekly Fortnightly Monthly Quarterly Half-yearly* Yearly*

Channel Internet Banking

Service Fund Transfer IBFT Utility Bill Payment Mobile Recharge Fund Transfer IBFT Utility Bill Payment / Topup Fund Transfer IBFT Utility Bill Payment - CC Mobile Recharge - CC Fund Transfer IBFT Utility Bill Payment Mobile Recharge Fund Transfer IBFT Utility Bill Payment / Topup Mobile Recharge (eTopup) Fund Transfer IBFT Utility Bill Payment / Topup Mobile Recharge (eTopup)

Limit (per day) in Rs. 100,000 100,000 70,000 N/A 100,000 100,000 70,000 N/A N/A 70,000 100 N/A N/A 70,000 5,000 100,000 100,000 150,000 5,000 150,000 150,000 150,000 5,000

Max Single Tranx Limit 100,000 100,000 50,000 N/A 100,000 100,000 50,000 N/A N/A 50,000 100 N/A N/A 50,000 2,000 100,000 100,000 150,000 2,000 150,000 150,000 150,000 2,000

# of Tranx (per day) 99 99 99 N/A 99 99 99 N/A N/A 99 1 N/A N/A 99 99 99 99 99 99 99 99 99 99

Ufone USSD

IVR/Call Center

SMS Banking

ATM Visa Classic

ATM Visa Gold

Thank You ! Questions Please

www.summitbank.com.pk 0800-24365