Rate of Interest for Agriculture & Non-Agriculture Loans

S. No. A 1 2 3 4 5 6 7 8 9 10 11 12 13 14 B 15 16

Particulars

Rate of Interest on 01/10/2004 01/09/2006 01/04/2007 01/11/2008 Loan to DCCB Short Term Cash Credit 9.00% 12.00% 12.00% 12.00% 12.00% 9.00% 10.00% 10.00% 9.00% 12.00% 12.00% 12.00% 12.00% 10.00% 12.00% 12.00% 9.00% 10.00% 10.00% 10.00% 10.00% 9.00% 10.00% 10.00% 9.00% 10.00% 10.00% 10.00% 10.00% 9.00% 10.00% 10.00% 9.00% 10.50% 10.50% 10.50% 10.50% 9.00% 10.00% 10.00% 9.00% 10.50% 10.50% 10.50% 10.50% 9.50% 10.50% 10.50% 9.00% 11.00% 11.00% 11.00% 11.00% 9.00% 10.50% 10.50% 10.50% 10.50% 10.50% 11.00% 11.00% 10.50% 11.00% 11.00%

15/01/2009

Agril. CC FCC Cons. Good CC CC for Supt. Prise Seed Gen. Banking CC Agril. MT CC MT for Godown Cunst. Of PACS MT for Bank Building CC to Weavers Societies for Ware house receipt For keep Liquid asset MLA Vehicle loan Business Vehicle loan Institution House Loan ST CC to Apex Co-op. inst. MT Loan to Apex Co-op. inst. CC to Co-op. inst. CC to Salaried Co-op. inst. MT Loan to Societies Apex Bank Emp.Co.Cre.Society CC Limit to NonCoop.Socie. Working Cap. Loan to Coop. Suger Factory

9.00%

10.50%

10.50%

10.50%

10.50%

Medium Term Loan

9.00%

10.00%

10.00%

Short Term Loan

9.00%

10.50%

10.50%

10.50%

10.50%

10.50%

Loan to Apex Co-op. inst.

10.50%

10.50%

Loan to Other Co-op. inst. 17 18 19 20 C 12.00% 12.00% 12.00% 8.00% 10.00% 10.00% 10.00% 8.00% 10.50% 10.50% 10.50% 8.50% 11.00% 11.00% 11.00% 8.75%

10.50%

10.50%

10.50%

8.50%

Loan to Non-Coop. Soci. & Other Coop. Soci. Short Term Cash Credit 12.00% 12.00% Medium Term Loan 12.00% 12.00% 10.50% 10.50% 11.50% 11.00%

21 22

10.50%

10.50%

23 D 24

Term Loan to Coop. Suger Factory Cons. Loan (for other) Cons. Loan (for Staff) House Loan (Upto 10 yrs for other) House Loan (above 10 yrs for other) House Loan (above 15 yrs for other) House Loan (Upto 10 yrs for Staff) House Loan (above 10 yrs for Staff) House Loan (above 15 yrs for Staff) Vehicle Loan (for other) Vehicle Loan (for Staff) Higher Edu. Loan OD (for other) OD (for Staff) OD agant. NSC/KP/IVP (for other) for Staff Project Loan Business CC Limit Personal Loan (for other) for Staff Shop Purchase Loan Mortgage Loan (for other) for Staff Vehicle Loan (4 whiler) for Staff

12.00%

10.00%

10.50%

11.00%

10.50%

Loan Through Apex Bank 12.00% 10.50% 8.50% 9.50% 8.50% 9.00% 12.00% 10.50% 11.50% 11.00% 10.50% 2% above Same Rate 12.00% 12.00% 12.00% 9.50% 12.00% 12.00% 9.50% 8.00% 10.00% 9.00% 10.00% 10.00% 9.00% 10.00% Same Rate 12.00% 12.00% 12.00% 9.00% 12.00% 12.00% 9.00% 8.00% 8.00% 8.50% 10.50% 9.50% 10.50% 10.50% 9.50% 10.00% Same Rate 12.00% 12.00% 12.00% 9.50% 12.00% 12.00% 9.00% 8.50% 12.00% 9.00% 8.50% 9.50% 8.50% 9.00% 10.50% 9.50% 11.00% 11.50% 9.50% 10.50% Same Rate 13.00% 14.00% 12.50% 9.50% 13.00% 14.00% 9.00% 8.50% 12.00% 9.50% 9.00% 9.75% 8.75% 9.00% 12.50% 9.50% 10.00% 10.50%

12.00%

9.50%

8.75%

9.25%

9.00%

25

8.50%

9.00%

9.00%

26 27 28

10.50%

9.50%

10.50%

10.50%

9.50%

29 30 31 32 33 34 35

10.00%

Same Ra

12.00%

13.00%

12.00%

9.50%

12.00%

13.00%

9.00%

8.50%

SCHEDULE OF COMMISSION / EXCHANGE AND SERVICE CHARGE PARTICULARS EXISTING CHARGES RE DRAFTS, MTS, TTS, BANKER'S CHEQUE / PAY ORDER AMOUNT Rs. 10/Up to Rs. 1000/Rs. 10/- per Instrument Tax Rs. 15/1001 to Rs. 5000/Rs. 15/- per Instrument Tax Rs. 25/5001 to Rs. 10000/Rs. 25/- per Instrument Tax Rs. 1.75 Rs. 1.75 per thousand or part 10001 to Rs. 1.00 Lac thereof an thereof and minimum of Rs.25/Service T Rs. 1.50 per thousand or part Rs. 1.50 thereof with the minimum of above Rs. 1.00 Lacs thereof Rs.175/and maximum Rs.175/- a Rs.3000/OUTSTATION COLLECTION OF CHEQUES / DRAFTS / HUNDIES / BILLS OF EXCHANGE AMOUNT Rs. 15/Up to Rs. 1000/Rs. 10/- per Instrument Tax Rs. 25/1001 to Rs. 5000/Rs. 20/- per Instrument Tax Rs. 30/5001 to Rs. 10000/Rs. 25/- per Instrument Tax

above Rs. 10000

Rs.2/- per thousand or part Rs. 2/- pe thereof minimum Rs.25/minimum In addition to above charges In additi deducted by the paying Bank on deducted realisation of Bill realisation

(a) BILLS FOR COLLECTION CLEAN AND DOCUMENTORY BILLS (Bill for sight / Bills for presentation / hundies / MR / RR etc.) AMOUNT Up to Rs. 1000/Rs. 10/- per Bill Rs. 15/- p 1001 to Rs. 5000/Rs. 15/- per Bill Rs. 20/- p 5001 to Rs. 10000/Rs. 30/- per Bill Rs. 50/- p Rs. 3/- per thousand or part Rs. 3/- pe thereof with a minimum of with a m above Rs. 10000 Rs.1500/Service T (a) BILLS COVERING PARCEL As per rates prescribed at (a) As per rates prescribed at (a) As per rat above and storage charges of 30 above and storage charges of and stora paise per parcel after 7 days from 50 paise per day per parcel after per day p the date of receipt of parcel in the 7 days from the date of receipt the date office. In case the parcel in of parcel in the office. In case office. In brought by the Bank from the the parcel in brought by the by the B post office incidental charges @ Bank from the post office incidental Rs. 25/- per parcel shall be incidental charges @ Rs.50/parcel s recovered in addition to the per parcel shall be recovered in addition to above charges. addition to the above charges. (c) INWARD COLLECTION OF CHEQUE / DRAFTS AMOUNT Rs. 15/Up to Rs. 1000/Rs. 10/- per Instrument Tax

Rs. 20/Tax Rs. 50/5001 to Rs. 10000/Rs. 20/- per Instrument Tax Rs. 2/- per thousand or part Rs. 3/- pe 10001 to Rs. 1.00 Lac thereof + Service Rs. 1.50 per thousand or part Rs. 2/- pe above Rs. 1.00 Lacs thereof with the minimum of with the Rs.200/Service T NOTE : FOR ITEM NO. 3 (a), (b) NOTE : FOR ITEM NO. 3 (a), NOTE : F & (c) (b) & (c) (c) In addition to above charges, In addition to above charges, In addition actual commission / exchange actual commission / exchange commissio paid to other banks in case of paid to other banks in case of other ban remittance of proceeds required remittance of proceeds required proceeds through other banks. through other banks. banks. ISSUE OF DUPLICATE INSTRUMENT / REVALIDATION / CANCELLATION Rs. 50/Per Instruments Rs. 25/- per Instrument Tax BANK GUARANTEE / LETTER OF CREDIT (LOC) 20 paise percent per month for 20 paise liability period plus additional liability pe Up to Rs. 25000/claim period if any minimum period if Rs.50/Service T 15 paise percent per month for 15 paise liability period plus additional liability pe above Rs. 25000/claim period if any minimum period if Rs.50/Service T ON ISSUE OF CHEQUE BOOKS 1001 to Rs. 5000/Rs. 15/- per Instrument

i) MICR Cheque ii) General Cheque

Rs.1/- per leaf Rs.2/- per Rs.0.50 per leaf Rs.2/- per APEX BANK - Directors/ Staff APEX B Members / Ex-Staff Members Members and Staff on deputation are Staff on exempted from cheque Book from cheq Charges.

DUPLICATE LEDGER FOLIO CHARGES per ledger page Rs.10/ISSUE OF DULICATE PASS BOOK Per pass Book only with last Rs.15/balance REGARDING STOP PAYMENT INSTRUCTIONS Per instrument Rs.10/-

Rs.20/- pe

Rs.50/- p Tax

Rs.50/- p Tax

STANDING INSTRUCTIONS i) Outside the Br. / Office Rs.10/- per transaction ii) Within same Br. / Office No charges LOCAL BILLS COLLECTION THROUGH CLEARING i) General Cheque received No charges ii) On collection of Govt. treasury bill / postal instrument / Bank No charges Deposit. RETURNING CHARGES No charges CHEQUE / BILLS ETC. INCIDENTAL CHARGES

As per MT No charge

No charge

No charge Rs.50/- +

In the Saving Bank & Current Deposit Account where balance No charges falls below the minimum balance prescribed in the rules. COMMUNICATION / POSTAL CHARGES In addition to prescribed commission / service charges postal charges shall be recovered as under i) For ordinary post No charges ii) For Registered post Rs.25/- per despatch iii) Courier Charges Rs.25/- per despatch iv) Telegram Charges Rs.40/- per Telegram v) Telex / Fax / E-Mail charges. LOCKERS CHARGES i) Type A ii) Type B iii) Type C Rs.50/- per Massage

Rs.50/- pe

Rs.10/- pe Rs.25/- pe Rs.25/- pe Rs.50/- pe Rs.100/Tax

Rs.300/- per year Rs.500/- p Rs.400/- per year Rs.700/- p Rs.500/- per year Rs.1000/for employees of the Bank, Ex- for emplo employees and Directors of the employee Bank the annual rent will be Bank the charged half of the rate. charged h

NOTE : For any special accommodation / concession to be given to any important Borrowers as the case may be) Managing Director / General Manager / consider the issue. Discretion to Branch Manager to reduce the rate of commission / exch maximum to the extent of fifty percent of the Scheduled rate in deserving directors of the Apex Bank & Staff (including ex-member of the staff) and staf Branch Manager means Branch Manager of the Branch and in his absence

after his charge.