LIST OF PRODUCTS AND SERVICES

LIST OF PRODUCTS AND SERVICES1. Deposit Products Savings Bank Account

BOI Savings Plus

Current Deposit Account

BOI CD Plus

Double Benefit Deposit

Fixed Deposit

Short Deposit

Quarterly Income Certificate

Monthly Income Certificate

Recurring Deposit

Foreign Currency Deposit Scheme

FCNR Deposit

Floating Rate Deposit Scheme

Deposit Scheme for Senior Citizens

Special Deposit Product for High Value Deposit Customer

2. Loan Products Cash credit

Overdraft

Loan against Bank Deposit

Loan against NSC, KVP, LIC policies etc.

Agricultural Loan

SSI Finance

Star SSI Supreme Scheme, Priyadarshini Scheme etc.

Star Home Loan

Star Personal Loan

Star Mortgage Loan

Star IPO

Star Autofin

Star Education Loan

Medimobile Loan

Gold Loan

Bullion Banking

Bill Finance

Bank Guarantee

Export Finance

Channel credit

Corporate Loan

Discounting Future Cash Flows

Foreign Currency Swing

3. Other Products and Services Credit Cards

Debit cum ATM card

Star Cash Management

Depository Services

Safe Deposit Vault

Safe Custody Services

Government Relief Bonds

Retailing of Government Securities

Multicity Cheque Facility

Multi Branch Banking

Telebanking and Fax on demand

Internet / SMS Banking

Corporate Remote Access Terminal

SWIFT

Electronic Clearing Service / Electronic Fund Transfer

Preface

Organisations go through phases of birth, growth, maturity and rejuvenation. In reaching this spot, Bank of India has successfully come over several challenges and turbulence and occupies a pride of place in Indian Banking.

It is a matter of pride for us that our Bank has been ranked 4th by M/s. AC Nielsen ORG-MARG surveyors, amongst India's Topmost 50 trusted Service Brands.

Bank has always been in the forefront to adopt new technology to enhance the quality of services rendered to customers. In order to leverage technology for further growth and efficient customer service, Bank is implementing Core Banking Solution (CBS) at 750 strategic branches which will cover 80% of the Bank's business. It would enable the Bank to remain competitive in providing the services through the latest technological innovations.

All this is aimed at the sole objective of enhancing Customer Satisfaction. It is a major technology based initiative that will radically transform the way our branches look, work and serve the customer. With this, Anytime - Anywhere - Anyhow Banking will truly become possible.

For institutionalising the quality management system, the Bank has targeted ISO 9001-2000 accreditation of about 250 branches by March 2005. So far, 27 branches have already been accredited.

We have introduced a QUALITY POLICY in which Bank of India is committed to become the Bank of Choice by providing SUPERIOR PRO-ACTIVE ,INNOVATIVE, STATE OF THE ART Banking Service with an attitude of Care and Concern for the Customers and Patrons.

OUR PLEDGE TO COUNTRY AND TO ITS PEOPLE We shall work within the legal framework of our country and not violate any provisions of the law of the land.

We shall work in conformity with the instructions, regulations, guidelines issued by regulatory authorities like Govt. of India, Reserve Bank of India, SEBI, IBA, etc.

We shall comply with all prudential norms laid down by various authorities for different functions in the interest of Bank's clientele.

We shall give wide publicity to all kinds of services and products offered by our Bank so that our valued clients shall know what we are offering.

We shall make special efforts to popularise new schemes in rural Branches, improve facilities for senior citizens, introduce special schemes for students, weaker sections, women and unemployed youths etc.

We shall fulfil all commitments under the Priority Sector lending.

OUR BACK OFFICE SERVICES

DELEGATION OF POWERSWe will ensure that authorities at various levels will be empowered with adequate powers to take prompt decisions with regard to sanctioning of loans and advances, issuance of guarantees, settlement of claims of deceased depositors, issuance of duplicate demand drafts, deposit receipts, other claims and administrative matters concerning customer service.

REORGANISATIONIn order to facilitate quick decision-making and to suit the changing requirements, the organisational structure has been revamped. More specialised branches like Personal Banking Branches, Corporate Branches, Small Scale Industries Branches, Hitech Agricultural Finance Branches, Housing Finance Branches, Capital Market Branches, Overseas and NRI Branches have been opened at important centres.

TRANSPARENCY AND SECRECYWe will ensure that there would be transparency in all business operations at all stages. Customers will be educated about the various products and facilities available. An uniform strategy will always be adopted to eliminate any possibility of discrimination on caste, creed and religion or economic status of the clients. Secrecy norms will be simultaneously observed to protect the interests of our customers.

SURVEYS BY OUTSIDE AGENCIESAll steps will be taken to improve Customer Service and enhance customer satisfaction. Towards this end, our services will be got evaluated through outside reputed marketing agencies with a view to assessing the quality of services extended at the branches and to ensure that our customer service match the expectations of our various clientele.

COMMON PRACTICES FOLLOWED BY OUR BRANCHES1. Display business hours.

2. Render courteous services.

3. Attend to all customers present in the banking hall at the close of business hours.

4. Provide separate 'Enquiry' or 'May I help you counter' at large branches.

5. Offer nomination facility to all deposit accounts (i.e. account opened in individual capacity) and all safe deposit locker hirers (i.e. individual hirers).

6. Display interest rates for various deposit schemes from time to time.

7. Notify change in interest rates on advances.

8. Provide details of various deposit schemes/services of the Bank.

9. Issue Demand Drafts, Pay Order etc.

10. Display time norms for various Banking transactions.

11. Pay interest for delayed credit of outstation cheques, as advised by Reserve Bank of India (RBI) from time to time.

12. Accord immediate credit in respect of all outstation cheques upto a specified limit subject to certain conditions, as may be advised by RBI from time to time.

13. Provide complaint / suggestion box / register in the branch premises.

14. Display address of Zonal and Head Offices as well as Nodal Officer dealing with customer grievances/complaints.

FAIR BANKING PRACTICESCustomers are requested to please

1 Ensure safe custody of the cheque book and pass book.

2 Preferably use reverse carbon while writing a cheque.

3 Issue crossed/account payee cheques as far as possible.

4 Check the details of the cheque, namely date, amount in words and figures, crossing etc., before issuing it. As far as possible, issue cheques after rounding off the amount to the nearest rupee.

5 Not to issue cheque without adequate balance; maintain minimum balance as specified by the Bank.

6 Send cheques and other financial instruments by Regd. Post or Courier.

7 Bring pass book while withdrawing cash from savings bank account through withdrawal slip. Please get passbook updated from time to time

8 Use nomination facility.

9 Note down account numbers, details of FDR, locker numbers, etc.separately.

10 Inform promptly change of address, telephone number, etc., to the Branch.

11 Inform loss of demand draft, fixed deposit receipt, cheque leave(s) / book, key of locker, etc., immediately to the Branch.

12 Avail standing instructions facility for repeat transactions.

13 Provide feedback on our services.

14 Pay interest, instalments, locker rent and other dues on time.

15 Avail services such as ATM, MBB, EFT, ECS, SMS and Internet Banking etc., if offered by the branch.

16 Bring any deficiency in services to the notice of the branch.

17 Not to sign blank cheque/s. So also do not record your specimen signature either on pass book or on cheque book.

18 Not to introduce any person who is not personally known to you for the purpose of opening account.

GREEN REVOLUTION

WHEN THE GOING GETS TOUGH, THE TOUGH GET GOING

WHITE REVOLUTION"SUCCESS IS A JOURNEY NOT A DESTINATION"POULTRY"Achievers don't need to be egged on, they go all out and succeed"

HI-TECH AGRICULTUREYou can overcome any obstacle, as long as you concentrate on the goal"

BLUE REVOLUTION"You cannot discover new oceans unless you have the courage to lose sight of the shore"

ARTISAN, VILLAGE & COTTAGE INDUSTRY"Hands that work wonders for self sufficiency "

EMPLOYMENT GENERATION AND POVERTY ALLEVIATION"To make oneself strong, willed and decisive you must have a determined approach"

FINANCING OTHER PRIORITY SECTOR"To rise above the ordinary you need to tread the unbeaten path"

WOMEN ENTREPRENEURS"To soar freely in the open sky, you need to have strong wings."

REGIONAL RURAL BANKS"For the unreached strata .. a ray of hope"