Savings Bank (Per quarter) Rs.60/- per 50 transactions. Rs.2/- per cheque leaf. occasion Charges for recording Reconstitution of account

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1 All the Service charges are exclusive of the service tax. Service will be collected over and above the service charge and the same will be rounded off to the nearest rupee. Charges for non-maintenance of minimum balance* (As per current rules, minimum balance for ordinary SB and ONR SB account is Rs.1000/-, for NRE SB account is Rs.5000/- and that for ordinary CD account is Rs.5000/-. However this stipulation differs from scheme to scheme) Accounts Maintenance Charge (free folios if any, as per schemes) Issue of cheque leaves Mode of calculation of minimum balance (For the purpose of computing service charges) Savings Bank (Per quarter) SB- Rural (Per quarter) SB-Senior Citizen (Per quarter) Rs.300/- Rs.240/- NIL Rs.175/- Rs.60/- per 50 s. Rs.2/- per cheque leaf Rs.60/- per 50 s. Rs.1.60/- per cheque leaf Rs.60/- per 50 s. Rs.1.80/- per cheque leaf Current/CC/OD (Per Month) Rs.60/- per 50 s. Rs.3/- per cheque leaf Quarterly basis Quarterly basis Quarterly basis Monthly basis Rs.150/- per Rs.120/- per Rs.150/- per occasion occasion occasion Charges for recording Reconstitution of account NA (Individuals (Individuals (Individuals exempted) exempted) exempted) *Charge for non maintenance of minimum balance for SB NRE General Scheme is Rs.20/- per month where monthly balance of Rs.5000/- is required and charges will be applied quarterly. Stop payment instructions Standing Instructions Registration ( No charges if credits are to our recurring deposits/ loan accounts) Amendment Execution Non Execution Charges (due to insufficient funds) Rs. 100/- per instrument and Rs.500/- for a series of 3 cheques or more Rs. 80/- per instrument and Rs.400/- for a series of 3 cheques or more Rs. 90/- per instrument and Rs.450/- for a series of 3 cheques or more Rs. 100/- per instrument and Rs.500/- for a series of 3 cheques or more Rs.100/- Rs.80/- Rs.90/- Rs.100/- Rs.50/- on every event Rs.10/- per Rs.50/- per Rs.40/- on every event Rs.8/- per Rs.40/- per Rs.45/- on every event Rs.9/- per Rs.45/- per Rs.50/- on every event Rs.10/- per Rs.100/- per In the case of s involving an upcountry centre, remittance charges at the prescribed rate and the actual postage shall be recovered additionally. Charges for standing instructions are to be levied to the account from which the amount is transferred. Charges for standing instructions can be waived in the case of NRESB accounts maintaining a minimum balance of Rs.5000/- or more.

2 Savings Bank SB- Rural SB-Senior Citizen Current/CC/OD Cheque Return Charges (Outward Return) Minimum service charges on outward return (inward clearing) of local cheques for no fault of the bank Rs.300/- per cheque (Rs.150/- for return of a cheque for the first time) Rs.240/- per cheque (Rs.120/- for return of a cheque for the first time) Rs.270/- per cheque (Rs.135/- for return of a cheque for the first time) Rs.500/- per cheque (Rs.250/- for return of a cheque for the first time) In addition to the above charges, interest at PLR for the days on which the Bank was kept out of funds should be collected manually, in the case of cheques of above Rs.2 L received through inward clearing. Issue of Duplicate Statement/Pass book Rs.100/- + Rs.2/- per previous Rs.80/- + Rs.2/- per previous Rs.90/- + Rs.2/- per previous Rs.100/-+ Rs.2/- per previous Handling Charges on Bills/Cheques Returned (Inward Return) Local cheques presented by us returned unpaid for any reason other than our fault (Clearing) Local (Other than clearing) Rs.100/- per instrument plus out of pocket expense if any Outside (OBC) Service charges for TOD Rs.100/- per cheque in addition to the interest Rs.80/- per cheque in addition to the interest Rs.90/- per cheque in addition to the interest Rs.200/- per cheque in addition to the interest Closure of accounts Before 6 months Rs.150/- Rs.120/- Rs.135/- Rs.300/- No charge for closing of the account due to the death of the customer. No charge for transfer of accounts between our branches Service charges on inoperative deposit accounts SB/CA/DDC/RD inoperative for more than 6 months NIL

3 Overdue interest on defaulted Recurring Deposit Rs.1/- for every Rs.100/- per month subject to a minimum of Rs.10/-. Fraction of a month is treated as full month for calculating penalty. Installment paid on or before the due date or within the grace period of 10 days shall be deemed as payment in time. Overdue interest need not be collected if the customer is ready to remit equal number of defaulted installments in advance. Premature closure of RD within one year (No charge for closing due to death of the customer. No charge for transfer of RD accounts between our branches) Issue of duplicate Loan Pass books/gold Loan Token Rs.100/- Rs.50/- per item Issue of DD/ Manager s Cheque DD - Issue * Service charges for cash remittance above Rs.5000/- for DD/Manager s Cheque(Branch Manager s delegation to waive the charge is withdrawn) Rs.2.50/- per thousand or part thereof Min. Rs.25/- and maximum of Rs.10000/- Rs.15/- per remittance, which is over and above normal DD/Manager s cheque issue charge DD-Cancellation DD-Duplicate Rs.100/- per instrument DD-Revalidation *No charges needs to be collected while loan disbursals are made by way of DD/Manager s Cheque RTGS Service Charges Customer outward s Customer inward s NEFT Service Charges Customer outward s Rs. 2 to 5 lakh Above Rs. 5 lakh Free - Rs. 25 per - Rs. 50 per Upto Rs.10000/- - Rs.2.50 per From 10001/-1 Lakh - Rs.5 per Above Rs. 1 lakh to Rs. 2 lakh - Rs. 15 per Above Rs. 2 lakh - Rs. 25 per

4 Customer inward s Free Closure and payments of proceeds of term deposits/sb / CD Payment of closure proceeds by way of DD/NEFT/RTGS FedNet (Internet Banking) Issue of DD/PO, issue of cheque book, standing instructions E-shopping payment Funds transfer Transfer from all type of SB accounts (Except for RTGS/NEFT s) Transfer from Current & OD/CC accounts (Except for RTGS/NEFT s) Telephone bills Fed Alert Inward clearing alerts Consolidated Individual Other alerts SB NRE/ONR SB Current account Normal charges applicable for DD/NEFT/RTGS plus postage if applicable Issue charges plus applicable postal charges. Nil Nil Upto an aggregate amount of Rs.50,000/-* per month Nil Above Rs.50,000/- Rs.25 per transfer (*Aggregate amount of Rs.50,000/- is a combined limit for all channels. Funds transfer between the accounts in the same branch and branches in same clearing centre shall be free and these s will not come under the limits given above) A service charge of Rs.5/- per bill will be charged in respect of payment of telephone bills exceeding 5 numbers in a month paid through a single FedNet account. Rs.100/- per month (free for accounts maintaining average monthly balance of Rs 1 Lakh and above ) Rs.200/- per month (free for accounts maintaining average monthly balance of Rs 1 Lakh and above) FREE Half-yearly Fee of Rs.100/-. FREE for accounts with AQB Rs.5000/- & above Half-yearly Fee of Rs.100/-. FREE for accounts with AQB Rs.25000/- & above

5 ODCC All s Chargeable at Rs 50/- per month. If customer does not opt for the charged service, no alerts will be provided. Tele Banking Funds transfer Transfer from all type of SB accounts Transfer from Current & OD/CC accounts Fed Mobile Funds transfer Transfer from all type of SB, Current & OD/CC accounts Nil Upto an aggregate amount of Rs.50,000/-* per month Nil Above Rs.50,000/- Rs.25 per transfer (*Aggregate amount of Rs.50,000/- is a combined limit for all channels. Funds transfer between the accounts in the same branch and branches in same clearing centre shall be free and these s will not come under the limits given above) Free fund transfer with a daily cap of Rs and a monthly cap of Rs. 200, per customer Collection of Cheques (outstation)/inward LCC *@ Up to & including Rs Above Rs.1000 and upto & including Rs.5000 Above Rs.5000 and upto & including Rs.10,000 Above Rs.10,000 and upto & including Rs.1,00,000 Above Rs.1,00,000 and upto & including Rs.5,00,000 Above Rs.5,00,000 and upto & including Rs.10,00,000 Rs. 15 per instrument Rs. 25 per instrument Rs. 50 per instrument Rs. 100 per instrument Rs. 200 per instrument Rs. 225 per instrument Above Rs.10,00,000 Rs.250 per instrument *Inclusive of all charges (postal, courier, handling etc) other than service collections involving 2 Banks, 50% of the actual charge to be collected.

6 Collection of Outstation / Local bills Bills upto Rs.5000/- Bills over Rs.5000/- to Rs Bills over Rs.10000/- Documents received for collection: if required to be delivered FREE OF PAYMENT to drawee OR to be returned back as UNREALISED Documents/Bills received for collection: CHANGE OF ORIGINAL INSTRUCTIONS in respect of outward/inward bill for collection including (Waiving C Form, delivery Free of Payment, extending retirement time etc.) Presentation of usance bill for acceptance Rs.50/- + out of pocket expenses Rs.75/- per + out of pocket expenses. Rs.6/- per 1000/- or part thereof subject to a minimum of Rs.100/- and maximum of Rs.12500/- excluding out of pocket expense Normal Collection Charges + out of pocket expenses. Rs. 50/- PER REQUEST from the proceeds of collection unless instructed otherwise. Rs.200/- per bill Cash Handling Charges for remittance at Home branch Cash handling charges for remittance at Home branch into Current and OD/CC accounts (Cash handling charges will be at the discretion of the Principal Officer of the branch depending upon the branch's requirement of cash, opportunities for profitable disposal of cash etc.) 5 packets (1 Packet 100 pc) or up to Rs.100,000 NIL Above free limit Rs.10 per packet, Min Rs.50/- Max Rs.10,000/-

7 Anywhere Banking Services (Free for remittance at any branch in the same clearing centre where the base branch is situated ) i. Upto Rs.50000/- Rs.20/- per. Any Where Cash Remittance ii. Above Rs.50000/- and upto & including Rs.1,00,000- Rs.20/- plus Rs.10/- per every ten thousand or part thereof for the amount exceeding Rs.50000/- iii. Above Rs. 1L- Rs.3/- per thousand No Cash handling charges to be collected additionally. Rs.3/- per Rs.1000/- or part thereof Minimum Rs.50/- (Free for payment upto Rs.20,000/- per day at same clearing Any Where Cash Payment centre and upto Rs.10000/- per day outside the clearing centre) Maximum payment restricted to Rs.2 L for self and Rs.1 L for third party per day per branch per account. (Free for transfer to any branch in the same clearing centre where base branch is situated.) For transfers to branches outside the clearing centre i. Upto Rs.20,000/- - Free per month Any Where Funds Transfer ii. Above Rs. 20,000/- Rs.2,00,000-Rs.15/- per transfer iii. Above Rs.2,00,000 to Rs.5,00,000 Rs.25/- per transfer iv. Above Rs.5,00,000 - Rs.50/- per transfer i. Cheques are payable at par at the same clearing centre of the base branch. ii. On request of the customer, multi-city/multicity plus/anywhere cheque facility can be provided on following conditions. a. For multi city, multi city plus cheques, the centres are specified where the cheques are to be paid at par Any Where Clearing Payment and Anywhere cheques will be paid at all our centers. b. Charges - Rs.50/- per instrument plus expenses, if any incurred for arranging funds above Rs.2 lakh in non-rbi centres iii. Payment under speed clearing No charges i. Customers can entrust cheques drawn on the same clearing centre as that of the base branch at any branch in the same clearing centre No charges are payable. ii. Customers can entrust Cheques drawn on any centre (other than that of their base branch) at service branch/clearing branch of that centre for collection and credit of their account. Any Where Clearing Collection iii. Upto Rs.20000/- Free per month Above Rs.20000/- to Rs.1,00,000/- Rs.50/- per instrument Above Rs.1,00,000 - Rs.150/- per instrument iv. Under speed clearing for collection of high value cheques of above Rs 1 Lac, Rs.150/- shall be collected from the account. Note : For AWB transfers & cash remittances, service charges will be debited from the account of the beneficiary.

8 DEBIT CARDS Registration Charges Annual Fee Renewal Charges Replacement charges Duplicate PIN Federal Bank ATM : Transactions done on other banks ATMs - Domestic Transactions done on other banks ATMs - International Transfer of funds by deposit of cash/cheques in ATM Transfer of funds through ATM Transfer from all type of SB accounts Transfer from Current & OD/CC accounts TOD through ATM Fed Card, Visa Shop n Save & Master card NIL Gold Card - Rs.100/- Platinum Card - Rs.500/- Fed Card - NIL VISA Debit Cards Rs.25/- per quarter for SB accounts & Rs.50/- per quarter for CD ( accounts with an AQB of Rs.5000/- or more are exempted of charges) Master Card Classic Rs.100/- NIL Lost card (Duplicate Card) Rs.150/- Rs.50/- Cash withdrawal -Free Balance enquiry free Cash Withdrawal Free Balance Enquiry - Free Cash Withdrawal Rs.100/- Balance Enquiry Rs.25/- For funds transfer within the same centre (same clearing centre) by deposit of Cash / Cheque in ATMs Cash deposited in ATM and sent to other branches through AWB Cheques deposited in ATM and proceeds to be sent to other branches through AWB after collection Free of Charges Charges applicable to remittance through AWB Charges as applicable when the instrument is deposited directly at the branch to which ATM is attached Nil Upto an aggregate amount of Rs.50,000/-* per month Nil Above Rs.50,000/- Rs.25 per transfer (* Aggregate amount of Rs.50,000/- is a combined limit for all channels. Funds transfer between the accounts in the same branch and branches in same clearing centre are free and these s will not come under the limits given above. ) In addition to the service charge for not maintaining minimum balance, normal TOD charges will be applied. In Point of Sales (POS) s by default, primary account is selected. POS s in Petrol pumps and Railways attract 2.50% of the amount of or Rs.10/- whichever is higher, will be debited from the customer later.

9 Miscellaneous Balance Certificate/ other Certificate Postal Charges: Ordinary Post Registered Post Interest Certificate Old Record Inquiries Up to 12 months period Beyond 12 months Allowing operations through Power of Attorney / Mandate Change of Authorized Signatory in Accounts Use of Fax/Telephone/Internet Rs.100/- Rs.15/- or actual for ordinary post whichever is higher Rs.40/- or actual expenditure- whichever is higher. Rs.100/- (One certificate per account in a year- free) Min. Rs.50/- per reference/ request/ document Rs.100/-per reference/request/document Rs.100/- per annum Rs. 200/- per occasion (except for change due to death of the existing signatory), No charges for SB account of individuals). 125% of Actual Photo / Signature attestation Rs.50/-per instrument Copy of cheque/draft (paid by Bank) Rs.50/- per attested copy of instrument Demand/Call/Security Deposit (Non interest bearing) Rs.40/- Term deposits opened for the purpose of security deposit Issue of duplicate Demand/Security deposit receipts (including security deposit opened as term deposits) Rs.50/- Rs.30/-

10 Safe Deposit Services Safe Deposit Custody: Bank s own deposit receipts Safe Deposit of Sealed covers from reputed organizations including Govt. Bodies Safe deposit of duplicate keys of other Banks/Financial institutions # Safe Deposit of Sealed Boxes from reputed organizations including Govt. Bodies (Size upto 30x30x30 cm) # Free of cost Rs.350/- per cover per annum or part thereof. Rs.1000/- per annum Rs.3000/- per Box per annum or part thereof. # For security considerations, these services are not to be provided to general public without specific permission from Corporate Planning department Electronic Clearing Services: Credit Clearing 1. Sponsor Bank: Minimum charges Rs.2750/- + Charges payable to RBI and Destination Bank, if any. a) Upto Rs.3/- per record + charges payable to RBI and Destination Bank, if any b) Above to records c) Above records 2. Charges Payable to Destination Bank and /or RBI: On actual basis, i.e. as waived/ prescribed by RBI from time to time. Electronic Clearing Services: Debit Rs.2/- per record (With a minimum of Rs.30000/-)+ charges payable to RBI and Destination Bank, if Rs.1/- per record (With a minimum of Rs /-)+ charges payable to RBI and Destination Bank, if any Electronic Clearing Services: Debit Clearing ECS: Debit ClearingRe.1/- per charges Minimum charges Rs.2750/- + Charges payable to RBI and Destination Bank, if any. ECS Registration Free of charges Rs.300/- per for SB accounts (Rs.150/- for return of ECS for the first time) ECS Return charges Rs.500/- per for CD/ODCC accounts (Rs.250/- for return of ECS for the first time) Whenever there is a return under ECS due to want of funds for three times, the ECS registration will automatically get cancelled and for re-registration, the reregistration charge of Rs.200/- will apply

11 Safe Deposit Locker - Key Deposit and Locker Rentals Size of locker Rent per annum (Rs) Key Deposit (Rs) Small Metro/Urban branches Medium Large Small Rural/Semi Urban branches Medium Large Metro/Urban branches according to type and dimension Size of locker A-Small B- Medium 2A-Large D 2B 2B1 4A 2D 4B 4D1 4D Height Width Depth Rent Key Deposit Lock Box Facility Bank of America Federal Bank USD 2.5 per Cheque Rs 100 per cheque You can contact our national toll free number for further details or write to contact@federalbank.co.in