14 of 2020 dated Maof the State Bank of Pakistan. Any deferral /rescheduling of facility granted to me by you shall be governed by Circular Letter No. However, in case of any late payment charges, I/We shall be liable to pay before final settlement and closure of the relationship. I/We understand that any financial charges (Markup, Insurance, etc.) which are already booked by the Bank on my behalf/Loan shall be paid by me/us during the deferral period as and when demand raised by the Bank for my/our loan restructuring/deferment.