• WILL EFFECTIVELY CHANGE THE STATUS OF CUSTOMERS AT BRANCHES FROM BRANCH CUSTOMER TO BANK CUSTOMER

• CORE POWER WAS RESTRICTED TO CUSTOMERS HAVING SAVINGS AND CURRENT ACCOUNTS UNDER PER SEGMENT . NOW EXTENDED TO C& I, SIB AND AGL SEGMENTS ALSO(GB/2005-06 / 152 DT. 28.03.2006)

TERMS USED • HOME BRANCH

– CUSTOMER HAS SAVINGS OR CURRENT ACCOUNT (OTHER BRANCHES WILL BE KNOWN AS NON-HOME BR,)

• HOME CENTRE– CENTER AT WHICH THE HOME BRANCH IS

LOCAETD(CLEARING ZONE AT THAT CENTRE WILL BE THE BASIS FOR DEFINING THE HOME CENTRE)

• NON-HOME CENTRES– ALL CENTRES OUTSIDE THE CLEARING ZONE OF THE

HOME BRANCH

• INTER CORE BR.TRANSACTIONS– TRANSACTIONS BETWEEN ONE OR MORE CBS

BRANCHES

• TRANSFER OF FUNDS FROM HOME BRANCH OR OTHER CBS BRANCH, BY DEBIT TO CUSTOMER’S A/C FOR CREDIT OF OWN OR THIRD PARTY A/C HELD AT ANOTHER CBS BRANCH.

• DEPOSIT OF CASH FOR CREDIT TO OWN ACOUND, HELD AT ANY CBS BRANCH, UPTO A CEILING OF RS.20,000/- WILL BE PERMITTED AT PRESENT

• NO CEILING ON AMOUNTS FOR CREDITS TO OWN ACCOUNT AT HOME CENTRE AND NO CHARGES FOR SUCH CREDITS.

• CUSTOMERS CAN OPEERASTE THEIR HOME BRANCH A/C FROM ANY OTHER NON HOME BRANCH FOR PURCHASE OF DDs,BCs,TTs.

• SAME DAY CREDIT TO ACCOUNT IN RESPECT OF INSTRUMENTS DEPOSITED AT HOME BRANCH– WHERE THESE INSTRUMENTS ARE PAYABLE AT SAME

CENTER– INSTRUMENTS DRAWN UPON ANOTHER CBS BR ANYWHERE

• SAME DAY CREDIT TO ACCOUNT IN RESPECT OF INSTRUMENTS DEPOSITD AT NON-HOME BRANCH AND DRAWN ON HOME CBS BRANCH OR ANY OTHER CBS BRANCH.

• ACCOUNT HOLDER CAN USE THEIR CHEQUES FOR CASH WITHDRAWAL AT ANY CBS BRANCH,WITHOUT CEILING.

• GET CLEARING CREDITS DIRECT TO ACCOUNT AFTER REALISATION IF INSTRUMENTS DEPOSITED AT ANY CBS BRANCH IN THE SAME CLEARING CENTRE

• GET CREDIT OF PROCEEDS OF OUTSTATION CHEQUES REALISED ON THE SAME DAY THROUTH DIRECT CREDIT BY THE PAYING BRANCH TO SPECIFIED ACCOUNT AT ANY CBS BRANCH

• AVAILABLE TO CUSTOMERS UNDER ALL THE SEGMENT

• FOR CUSTOMERS MAINTAINING REGULAR AND SATISFACTORY CUNDUCTED ACCOUNTS SB CA INCLUDING OVERDRAFTS AND CC ACCOUNTS

• FACILITY WILL NOT BE AVAILABLE TO– A/cs which are dormant / inoperative or frozen– Where stop payment instructions or posting

restrictions have been applied by the home branch

• NO TRANSACTRIONS IN DORMANT AND INOPERATIVE ACCOUNTS FROM ANY NON-HOME BRANCH.

• TRANSACDTIONS AT THE HOME BRANCH FREE OF COST

• NO LIMITS FOR INTER BR TR AT THE HOME BRANCH• CHEQUES DRAWN ON OTHER BANKS SHOULD NOT BE

ACCEPTED • FOR INTER CB TR A NOMINAL FEE OF RS. 20/- PER TR

WILL BE CHARGED ONLY IF TR AMT EXCEEDS RS.20,000 INCLUDING FROM STAFF MEMBERAS

• THE NOMINAL FEE OF RS.20/- IS INCLUSIVE OF SEVICE TAX AND EDUCATION CESS. HENCE NEED NOT BE RECOVERED SEPERATELY.

• BRANCH SHOULD RECOVER THE USUAL DD/BC CHARGES AS PER EXTANT RULES WHERE APPLICABLE.

• BRANCH TO ENSURE THE CUSTOMERS DETAILS ARE VERIFIED ON THE SYSTEM BEFORE PUTTING THROUGH TRANSACTIONS. THE SYSTEM WILL PROVIDE FULL DETAILS OF THE CUSTOMER ACCOUNTS,SPECIMAN SIGNATURE TO FACILITATE IDENTIFICATION OF THE NON-HOME CUSTOMER, AND HIS IDENTIFICATION.

• BRANCH CONDUCTING THE TRANSACTION TO IDENTIFY THE TRANSACTION AS NON-HOME TRANSACTION AND RECOVER APPROPRIATE CHARGES WHERE APPLICABLE

• THE NON-HOME TRANSACTION VOUCHERS WILL BE RETAINED AT THE BRANCH WHERE THE TRANSACTION IS CONDUCTED.THESE MUST BE CHECKED IN THE DAYS VOUCHER VERIFICATION REPORT (VVR)IN USUSL MANNER

• AT PRESENT SOFT WARE DO NOT PROVIDE FOR AUTO RECOVERY OF CHARGES AND DEFFERENCIATION OF CBS BRANCHES AT HOME/ NON-HOME CENTERS, BRANCHES WILL HAVE TO RECOVER NECESSARY CHARGES.

Tr. OF FUNDS BY Dr TO SB / CA FROM THE HOME Br TO ANY OTHER ACCOUNT (SELF OR THIRD PARTY) AT ANOTHER CBS BR FOR SAME

DAY CREDIT AT

A) HOME CENTRE. FOR SUCH LOCAL TRANSFERS, NO CHARGES WILL BE LEVIED AND THERE WILL BE NO UPPER CEILING.

B) NON-HOME CENTRE. WITH THRESHOLD OF RS. 20,000/-

TRANSFER OF FUNDS BY ISSUING A CHEQUE FOR RS. 1 LAC BY X TO CA OF Y, WILL BE DONE ON THE SAME DAY.

WHILE RS. 1 LAC WILL BE CREDITED TO Y’S CA IF MAINTAINED AT A2 BRANCH .

IN CASE Y’S CA IS AT B2 BRANCH,RS.20/- WILL BE RECOVERED TOWARDS CHARGES FROM THE PROCEEDS AND BALANCE AMOUNT OF RS. 99,980/- WILL BE CREDITED

DEPOSIT OF CASH UPTO RS.20,000/- PER TR FOR SAME DAY CREDIT TO SB A/c OF X MAINTAINED AT A-1 CAN BE MADE FROM ANY OTHER CBS BR, AT ANY CENTRE ACROSS THE COUNTRY WITHOUT ANY CHARGES

DEPOSIT OF CASH, BY THE DUSTOMER OR THE THIRD PARTY, FOR SAME DAY CREDIT TO THE ACCOUNT FROM A NON-HOME CBS BR WITH A CEILING OF RS.20,000/- PER TRANSACTION. IN OTHER WORDS, THIS FACILITY IS NOT AVAILABLE FOR TRANSACTIONS ABOVE RS. 20,000/-

a) Deposited at the home branch and drawn on other CBS branches at home centre. NO CHARGES WILL BE LEVIABLE ON SUCH CREDITS IRRESPECTIVE OF AMOUINT

b) Deposited at home branch and drawn on CBS branches at non-home centers with threshold of Rs. 20,000/-

c) Deposited at a non-home CBS branches and drawn on home / other CBS branches with threshold of Rs. 20,000/-

Rs.20/- will be charged for tr. beyond the threshold amount

X gets a cheque/ instrument in his favour, drawn on our A-2 or B-1 branch. He deposits that at the A-1 branch or at A-3 branch or at B-1 branch,alongwith the required pay-in-slip for credit to his SB a/c. The proceeds can be credited on the same day.

DEPOSIT OF CHQ. /INST. AT ANY OUTATSTION CBS BRANCH ( FOR CREDIT TO THE ACCOUNT AT HOME BRANCH) WHICH ARE DRAWN ON THAT OUTSTAION CENTRE ON

A) HOME CBS BR.

OR

B) ANY NON-HOME CBS BR.

AS TENDERING OF SUCH CHEQUES / INSTRUMENTS WILL BE BASED UPON THE ACCOUNT NO. / INF.PROVIDED IN THE PAY-IN-SLIP / CHEQUE.

A CHQ./INST FOR RS.1 LAC DRAWN ON CENTRE B ON ANY CBS BRANCH AT CENTRE B, IN FAVOUR OF X CAN BE DEPOSITED AT ANY OF OUR CBS BRANCHES AT CENTRE B, THE PROCEEDS OF WHICH CAN BE CREDITED TO HIS ACCOUNT AT THE HOME BRANCH, ON CLEARANCE.

Rs.20 WILL BE RECOVERED FROM THE PROCEEDS TOWARDS BANK CHARGES.

ENCASHMENT OF SB/CA CHEQUES BY THE A/C HOLDER AT NON-HOME CBS BR. SUCH ENCASHMENT CAN BE FOR,

A) CASH WITHDRAWAL

B) TR.THE PROCEEDS TO ANY OTHER SB/CA( SELF OR THIRD PARTY) AT ANOTHER CBS BR.

C) ISSUANCE OF DD/BC/TT

ENCASHMENT OF CHQA BOVE RS.20,000/-,UNDER A) AND B), WILL BE CHARGED AT A RATE OF RS.20/- PER TR.

IN CASE OF C) USUAL CHADRGES FOR ISSUANCE OF DD/BC/TT WILL BE LEVIED ADDITIONALLY

UNDER THE FACILITY FOR ISSUANCE OF DD/BC/TT AT THE NON-HOME CBS BR. TWO LEGS ARE INVOLVED

1. UNDER THE FIRST LEG THE ACOUNT WILL BE DEBITED FOR THE REQUIRED AMOUNT.

2. THE OTHER TR.i.e. THE SECOND LEG WILL BE FOR ISSUING THE DD/BC/TT AS WELL AS FOR ISSUING USUAL ISSUANCE CHARGES.

IN THESE CASES, ENCASHMENT OF CHEQUES ARE ONLY PERMISSIBLE,

SUCH ENCASHMENT CANNOT BE MADE BY WITHDRAWAL SLIPS / OTHER INSTRUMENTS.