UNION BANK OF INDIA. Particulars. RTGS - Inward Nil Nil a) `2 lacs to 5 lacs (As per time of entry in FINACLE as follows)

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1 Schedule of Service Charges on Inland Transactions w.e.f Prodcuts and Services Povided free of Service Charges Nature of Service Transfer, Collection, Remittance & Cash Transactions UNION BANK OF INDIA Remittances for creation of a term deposit or payment of installment of cumulative deposit through DD,Cash,RTGS/NEFT/ Intersol Fund Transfer Intersol credit through cheques/ requests for intersol transfer Repayment of loan through cash Safe custody of Bank's own Deposit Receipt Statement of account Updation of passbook Issuance of duplicate deposit receipt Enquiry/statement of account (downloaded/printed) through Internet Banking/Telebanking 1 Fund Transfer through the following modes: (i) Non-individuals RTGS - Inward a) `2 lacs to 5 lacs (As per time of entry in FINACLE as follows) Individuals 08:00 hrs to 11:00 hrs Per Transaction After 11:00 hrs to 13:00 hrs Per Transaction After hrs Per Transaction b) Above `5 lacs (As per time of entry in FINACLE as follows) 08:00 hrs to 11:00 hrs Per Transaction After 11:00 hrs to 13:00 hrs Per Transaction After hrs Per Transaction (ii) NEFT - Inward (iii) Intersol fund transfer through cheques/ requests for intersol transfer Upto ` Above `10000 to 1 lac Above `1 lac to 2 lacs Per Transaction Above `2 lacs Per Transaction (iv) At par multicity cheques issued by Upto `1 lac customers & presented at clearing Above `1 lac to 2 lacs house at non-base centre Per Transaction (v) Nature of Service RTGS -Outward (Minimum amount of remittance under RTGS - `2 lacs) NEFT - Outward At par multicity cheques presented under CTS Particulars Above `2 lacs to 5 lacs Per Transaction Above `5 lacs Per Transaction Speed Clearing (to by Upto `1 lac collecting bank from customers) `1 lac & above Per Transaction Electronic Clearing Service Applicable for debit as well as credit clearing 4 Collection of Outstation cheques Unit Per transaction Upto `5000 Per cheque Above ` Per cheque Above ` lac Per cheque Above ` Per cheque Service Charges (`)

2 5 Collection of Bills 6 Upto `10000 Per bill ` lacs Above `1 lacs - `25 lacs Per Minimum Per Minimum Above `25 lacs Flat Demand Draft Upto `5000 Per remittance ` Per remittance Remittances against tender of cash (Maximum remittance `50000) ` lac Above `1 lac DD Per Minimum Per Minimum Maximum Applicable normal remittance charges plus 50% of normal charges Upto ` Normal charges Above ` Applicable normal remittance charges plus 50% of normal charges 8 Purchase of DD for educational purpose by students NEFT Per Transaction Upto `5000 Per DD N.A Above `5000 N.A. Normal charges applicable to DD 9 Issue of duplicate DD/Cancellation/ Upto `5000 Per DD Revalidation of DD (Revalidation ` lac Per DD allowed upto 1 year from the date Above `1 lac Per DD of issue) For students Per DD N.A Cash transactions (i) Cash withdrawal in SB/CD/CC/OD (ii) Cash Deposit in SB accounts I) Cash Deposit at Base Branch II) Cash Deposit at Non-base Branch - Cash Deposit Upto `50000 per - Cash Deposit above free limit Per ` Minimum Maximum (iii) Cash Deposit in CD/CC/OD accounts Cash Deposit upto `1lac per day Cash Deposit above `1 lac per day (Base as well as non-base branch) Per ` Minimum Maximum Other charges Nature of Service Particulars Unit 1 Duplicate Statement/ Pass book For entries upto one year (40 entries to be treated as one ledger folio) For entries older than one year (40 entries to be treated as one ledger folio) Non-individuals Individuals SB - Per folio Maximum CD -Per folio Maximum SB - Per folio Maximum CD - Per folio Maximum Duplicate Deposit Receipt 3 Issue of cheque books Per ch. Leaf Stop Payment Instructions Single cheque Per instruction Range of cheques Service Charges (`) Subject to 40 free cheque leaves in a financial year in SB Accounts SB - Per instruction CD - Per instruction

3 5 Standing Instructions Setting up charges (one time) Inability to carry out standing instructions due to insufficient balance in the account Plus charges for fund transfer i. Transfer to our branches ii.transfer to other banks Actual ramittance charges Actual ramittance charges Per occasion Enquiry relating to old records 1 to 3 year old Per item (More than 12 months old) 3 to 5 year old Per item More than 5 year Old Per item Charges for non-maintenance of SB - With ch.book Shortfall in AQB minimum Average Quarterly Balance Closure of Account within 12 months - Without ch.book Shortfall in AQB Upto Upto SB(Pension) - with / without N.A. chequebook SB of senior citizens N.A. CD - Companies Per quarter N.A. CD - Others Per quarter I. Accounts closed within 14 days of opening II. Accounts closed after 14 days of opening i) SB - with cheque book without cheque book ii)cd Companies N.A. - Others Inoperative/Dormant Account i) Account with minimum balance or above ii) Account below minimum balance - Metro/Urban - SB Per annum Metro/Urban - CD or outstanding balance whichever is less - Semi-Urban/ Rural - SB Semi-Urban/ Rural - CD iii) Account with Balance less than dormancy charges Full balance amount to be appropriated and a/c to be closed after following precribed procedure. Full balance amount to be appropriated and a/c to be closed after following precribed procedure. 11 Charges for customer induced debit entries in excess of 60 entries per quarter in SB A/c per entry Ledger Folio used in CD/OD/CC A/cs Per folio (For Accounts maintained on Subject to free folios p.a. as under : computer 40 entries or part thereof Avg. cr. Bal.(`) Free Folios Free Folios to be treated as one ledger folio) 13 Presentation of Usance Bills for acceptance Note:1) Dormancy period: 2 years Note:2) Folio charges in CC/CD accounts will be applicable to dormant CC/CD accounts. Note:3) Charges for non-maintenance of minimum balance will also wherever applicable. Upto 50,000 Above 50,000-1 lac 3 3 Above 1 lac - 5 lacs 5 5 Above 5 lacs All All Per bill

4 14 Safe Custody charges Scrips Per scrip Minimum Sealed Covers Per cover Sealed boxes: Upto 1000 cc Per box Upto 8000 cc Per box Upto cc Per box Per cc Minimum Bank's Own Deposit Receipt 15 Attestation of customer's signature For obtaining loan from other Per Occasion banks/ institutions/other purposes 16 Issuance of any other certificate SB Per certificate e.g. No Dues, Balance Confirmation, Maintenance of A/c., etc. on behalf of our clients as well Business Purpose as clients referred by other banks Per certificate other than for govt. sponsored schemes 17 Photo attestation Certifying or verifying customer Per mandate ECS mandates 19 Providing record copy of cheque Per instrument SMS Banking Per quarter Change in authorised signatory including reconstruction of account For every change Transfer of account Actual out of pocket 23 Payment of Deposit Receipt to another bank Actual out of pocket Actual out of pocket Actual out of pocket 24 Postal charges Actual expenses Actual expenses 25 Handling charges for cheques returned unpaid (including cash/transfer cheques) i) Local a) Return of Outward Clearing Cheques i.e. cheques lodged by customers for collection and returned to us by other banks (Due to in-sufficient funds & technical reasons) b) Return of Inward clearing cheques i.e. cheques drawn on our branches returned to other banks (Due to technical reason) c) Return of Inward clearing cheques i.e. cheques drawn on our branches returned to other banks (Due to financial reasons) Upto `5 lacs Above `5lacs `10lacs Above `10 lacs ii) Outstation Base Rate % p.a. for 1 day plus service tax Base Rate % p.a. for 1 day plus service tax Minimum Minimum Minimum Minimum Handling charges for bills returned Local unpaid Outstation 27 Returning charges on Debit clearing under ECS Large boxes Minimum Minimum

5 Safe Deposit Vault Rental (p.a.) Type of Locker A B C D E F G H H-1 L L-1 Rural/ Semi Urban Urban Branches Metro Branches SDV/Strong Rooms, etc. of sizes other than A to L-1 - proportionate rent of the SDV of maximum size that can be fitted into should be charged. Penal 18% on rent overdue with the minimum of `5 will be levied. Lockers can be leased for a period upto 3 years at a time subject to advance payment of rent. However, there would not be any concession in case advance rent is paid by customer. The rent payable for the overdue period upto the date of revision i.e would at old rate and w.e.f the rent at the revised rate would. Where rent for 3 years has been recovered prior to revision, no difference would. Refund of advance rent may be allowed for the unexpired period in case the locker is surrendered before the expiry of the period of 3 years for which advance rent is paid. The refund will be made for unexpired period in complete years i.e. fraction of a year remaining in the year of surrender will be ignored. e.g. if the locker is surrendered after 1 year 4 months the refund will be allowed only for the period of 1year and not for 1 year 8 months. Loss of Safe Deposit Locker Key Actual expenses plus service tax Charges for Locker Operations Free operations p.a. Charges beyond 24 free operations p.a. Per Operation Minimum ` `57.25 All charges mentioned above are inclusive of Service Tax & Education Average Quarterly Balance (AQB) Requirement CENTRES Average Quarterly Balance (AQB) Savings Bank Accounts Current Deposit Accounts Without chequebook With chequebook Company Others Metro Urban Semi-urban Rural (Amount in `) Account Type Pension Accounts - Account without chequebook `20 - Account with chequebook `250 BSBDA/BSBDS Accounts Foreign Exchange Transactions (w.e.f ) Services 1 Remittance Outward 1.1 On all foreign currency outward remittance not being proceeds of import bills Service Charges 0.143% with minimum `344/- Maximum ` Advance payment for Import Upto `10 lacs ` `10 lacs - 20 lacs ` Above `20 lacs 0.115% Maximum ` Remittance in conncecetion with portfolio investments, dividend, travel agents remittance of recurring nature Upto `2.00 lacs or equivalent `286 per remittance AQB

6 Over `2 lacs or equivalent 0.143% Minimum `286/- Maximum `1145/- 1.4 Issuance of DDs towards gifts, donations, students applications,subscriptions etc. Upto USD 500 Above USD 500 ` [Swift charges, if any, collected seperately] ` [Swift charges, if any, collected seperately] 1.5 Any other case where the bank does 0.143% Minimum `115/- not earn any exchange margin 2 Remittance Inward: 2.1 Inward Remittance in respect of which cover has been received in Nostro Account Upto USD 500 ` Above USD 500 ` Purchase of TTs/ Purchase of MTs /DDs where cover has not been received in Nostro Account TT buying rate plus exchange margin of 0.125%. Interest shall be recovered seperately from the customer at domestic commercial rate for a transit period of 15 days. 2.3 Purchase of customer's personal cheques, demand drafts, international money orders, bankers pay order payable abroad. TT buying rate plus exchange margin of 0.125%. Interest shall be recovered seperately from the customer at domestic commercial rate for a transit period of 15 days.overdue interest to be collected if the instrument is returned unpaid from 16th day. 2.4 Encashment of FC(Exporters)Rupee % towards exchange margin 2.5 Encashment of FC(Others). No commission 3 TCs - Encashing 4 TCs - Foreign Currency (Sale): 4.1 Commission on Rupee equivalent payable by customers 0.573% Minimum `286/ % Minimum `286/- Commission on foreign currency TCs issued against foreign currency remittance received in Nostro Account, at the request of benificiary All charges mentioned above are inclusive of Service Tax & Education Retail Loan 1 Loan Processing Charges: 1.1 Union Home 0.50% of loan amount subject to a maximum of `15000 (plus service tax ) 1.2 Union Trade Upto `25000 ` lacs ` per proposal Above `2 lacs-10 lacs ` per `1 lac `10 lacs - 1 crore ` per `1 lac Minimum ` Above ` 1 crore ` per `1 lac Minimum `16854 Maximum ` Union Miles For two wheelers `250 (plus service tax) Four wheelers<2lacs `500 (plus service tax) Four wheelers>2lacs `1000 (plus service tax) 1.4 Union Mortgage 0.50% of loan amount (plus service tax) 1.5 Union Health 0.50% of loan amount (plus service tax) 1.6 Union Comfort

7 Loan upto `10000/- `100 plus service tax Loan upto `50000/- `250 plus service tax Loan above `50000/- `500 plus service tax 1.7 Union Top Up 0.50% of Top up amount (plus service tax) 1.8 Prepayment Charges for retail advances No prepayment charges if the loan is adjusted by the borrower from his own verifiable legitimate sources. 1.9 Take over penalty for all retail loans 2% on the average balance of the /advances: If the loan is taken over preceeding 12 months. by any other bank /Financial Institution or adjusted by the borrower in lumpsum from any third source / party( except genuine sale). 2 Charges for late payment of EMI 2% additional interest on the overdue instalment amount 3 Charges for changing from fixed to 1% of the outstanding loan amount in floating rates of interest.( Housing the existing housing loan provided: loan borrowers having loan 1) The borrower is regular in outstandings of `2.00 lacs and payment of loan instalments and above are only eligible). 2) EM formalities are completed. 4 Charges for changing from floating to fixed rates of interest One time payment of 2.50% of outstanding loan amount irrespective of the quantum of outstanding Cards 1 Debit Card/ ATM Card 1.1 Membership fee 1.2 Annual fee (i) Accounts with AQB of ` (ii) Accounts with AQB below ` `100 plus service tax 1.3 Renewal Charges Not applicable 1.4 Late Payment Charges Not applicable 1.5 Replacement charges `100 plus service tax 1.6 Cash withdrawal at Union Bank ATMs 1.7 Cash withdrawal from Cash Tree member bank's ATM 1.8 Cash withdrawal from other bank ATMs(Visa) Domestic `20 plus service tax (5 transactions free to SB accounts) `20 plus service tax (5 transactions free to SB accounts) 1.9 Cash withdrawal from other bank ATMs(Visa) International `125 plus service tax + 2% currency conversion charges 1.10 Cash withdrawal from SBI ATM `20 plus service tax (5 transactions free to SB accounts) MISCELLANEOUS Balance enquiry At Customer's branch At other Bank Visa ATM (Domestic) At other Bank Visa ATM (International)) At SBI ATM Solvency Certificate Upto `1 lac `1lac - 5lacs `5lac - 10lacs `10lacs - 25lacs `25lacs - 50lacs `50lacs - 1crore Above `1 crore ` service tax ` service tax ` service tax ` service tax ` service tax ` service tax ` service tax