Non-Resident Indians or Persons of Indian Origin can avail the following fecilities with us

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1 Non-Resident Indians or Persons of Indian Origin can avail the following fecilities with us Deposit accounts Remittances to India Speed remittance fecilities for NRIs in Gulf Western Union Money transfer Loans against Deposits Home loans to NRIs Pattabhi Vidya Jyothi Scheme for students seeking education abroad and children of NRIs In this maiden bulletin we start with the details of Remittance fecilities available with us.non-residents are free to send the amounts for all types of investments except for investing in a) In the business of chit fund, b) As Nidhi Company c) In Agricultural or plantation activities d)in real estate business, or construction of farm houses with some exceptions e) In trading in Transferable Development Rights. We will discuss about the above Prohibitions in detail in coming bulletins FACILITIES AVAILABLE FOR REMITTING FUNDS TO INDIA Wire Transfer (through SWIFT) Cheque Issue Cheque Mail Box Facility Remittance through Exchange Houses Remittance through Western Union Money Transfer facility

2 WIRE TRANSFER THROUGH SWIFT FACILITY Andhra Bank deals in 12 major currencies and maintains accounts with 21 Banks across the Globe. Non-resident Indians can send their remittances to India through Andhra Bank. To send remittance, a simple request in the enclosed format should be sent by NRIs to their bankers so that their accounts can be debited and remittance can be arranged by way of swift facility. The account/swift details of our Bank for remittances in different currencies are as under: I. Remittances in US $ Bank Details A/c Number SWIFT Code CITIBANK N.A., NEW YORK CITIUS33 (ROUTING No. ABA ) WACHOVIA BANK NA, NEW YORK PNBPUS3NDNYC BANK OF NEW YORK, NEW YORK IRVTUS3N (ROUTING NO. ABA ) HSBC BANK USA,N.A., NEW YORK MRMDUS33 ( EXCLUSIVELY FOR FCNR ONLY) BANK OF AMERICA, NEWYORK BOFAUS3N II. Remittances in Euro/GBP Euro DRESDNER BANK AG, FRANKFURT 499/ /11/ 888 DRESDEFF Euro DEUTSCHE BANK, FRANKFURT DEUTDEFF Euro INTESA SAN PAOLO S.P.A / BCITITMM Euro BANK OF INDIA, PARIS BKIDFRPP GBP LLOYDS TSB BANK PLC. LONDON LOYDGB2L GBP HSBC BANK PLC, LONDON MIDLGB22

3 III. For Remittances in Other Currencies /00001 ANZBAU3M AUSTRALIAN DOLLAR AUSTRALIA & NEW ZEALAND BANKING GROUP LTD, MELBOURNE CANADIAN DOLLAR BANK OF NOVA SCOTIA, TORONTO NOSCCATT SWISS FRANC UBS AG, ZURICH R UBSWCHZHE80A SWISS FRANC ZUERCHER ZURICH KANTONALBANK, ZKBKCHZZN80A DEUTSCH KRONER DANSKE BANK A/S COPENHAGEN DABADKKK HONGKONG DOLLAR UCO BANK, HONGKONG UCBAHKHHA JAPANESE YEN BANK OF INDIA, TOKYO BKIDJPJT SWEDISH KRONER SKANDINAVISKA ENSKILDA BANKEN, STOCKHOLM SINGAPORE DOLLAR HSBC, SINGAPORE ESSESESSH HSBCSGSG ASIAN CURRENCY UNIT STATE BANK OF INDIA, DHAKA SBINBDDHA

4 I. FOR REMITTANCES ROUTED THROUGH ANDHRA BANK ACCOUNT WITH CITI BANK, NEW YORK, IN US DOLLARS. MT [SWIFT MESSAGE FORMAT] CITIUS33 CITIBANK N.A., NEW YORK 57 A / ACCOUNT WITH INSTITUTION - BIC / / BENEFICIARY CUSTOMER - NAME & ADDRESS / [MENTION BENEFICIARY ACCOUNT NUMBER] ANDHRA BANK, branch[name & ADDRESS OF BRANCH THE INFORMATION IN FIELD 59 IS VERY IMPORTANT. THIS SHOULD CONTAIN FULL AND ACCURATE INFORMATION. IT WILL HELP US TO CREDIT THE AMOUNT TO YOUR ACCOUNT IMMEDIATELY. II. FOR REMITTANCES ROUTED THROUGH ANDHRA BANK ACCOUNT WITH DRESDNER BANK FRANKFURT, IN EURO. MT [SWIFT MESSAGE FORMAT] DRESDEFFXXXX DRESDNER BANK AG, FRANKFURT 57 A / ACCOUNT WITH INSTITUTION - BIC /499/ /11/ / BENEFICIARY CUSTOMER - NAME & ADDRESS / [MENTION BENEFICIARY ACCOUNT NUMBER] ANDHRA BANK, branch)[name & ADDRESS OF BRANCH

5 THE INFORMATION IN FIELD 59 IS VERY IMPORTANT. THIS SHOULD CONTAIN FULL AND ACCURATE INFORMATION. IT WILL HELP US TO CREDIT THE AMOUNT TO YOUR ACCOUNT IMMEDIATELY. III. FOR REMITTANCES ROUTED THROUGH ANDHRA BANK ACCOUNT WITH LLOYDS BANK LONDON IN POUND STERLING MT [SWIFT MESSAGE FORMAT] LOYDGB2LXXXX LLOYDS TSB BANK PLC LONDON 57 A / ACCOUNT WITH INSTITUTION - BIC / / BENEFICIARY CUSTOMER - NAME & ADDRESS / [MENTION BENEFICIARY ACCOUNT NUMBER] ANDHRA BANK, branch)[name & ADDRESS OF BRANCH THE INFORMATION IN FIELD 59 IS VERY IMPORTANT. THIS SHOULD CONTAIN FULL AND ACCURATE INFORMATION. IT WILL HELP US TO CREDIT THE AMOUNT TO YOUR ACCOUNT IMMEDIATELY. IV. FOR REMITTANCES ROUTED THROUGH ANDHRA BANK ACCOUNT WITH AUSTRALIA&NEW ZEALAND BANKING GROUP LTD,MELBOURNE IN AUSTRALIAN DOLLAR MT [SWIFT MESSAGE FORMAT] ANZBAU3M AUSTRALIA AND NEWZEALAND BANKING GROUP LTD MELBOURNE 57 A / ACCOUNT WITH INSTITUTION BIC /227678/ / BENEFICIARY CUSTOMER - NAME & ADDRESS/ [MENTION BENEFICIARY ACCOUNT NUMBER] ANDHRA BANK, branch)[name & ADDRESS OF BRANCH

6 THE INFORMATION IN FIELD 59 IS VERY IMPORTANT. THIS SHOULD CONTAIN FULL AND ACCURATE INFORMATION. IT WILL HELP US TO CREDIT THE AMOUNT TO YOUR ACCOUNT IMMEDIATELY. In case the customer wishes to remit the amount in Currency other than USD,EURO, POUND STERLING, and AUSTRALIAN DOLLARS he may use the relevant details given above for that currency and replace them in fields 56 A and 57 A. GOOD NEWS GOOD NEWS GOOD NEWS RBI HAS INCREASED THE INTEREST RATES ON NRE AND FCNR DEPOSITS BY 50 BASIS POINTS ACROSS THE MATURITIES with effect from Please Visit our Web site www. andhrabank.in for Application and information. FCNR(B) int rates NRE TERM DEPOSITS Curre ncy 1 Year & above but less than 2 2 & above but less than 3 3 & above but less than 4 4 & above but less than 5 5 year s USD GBP EUR CAD AUD Period a) 1 year and above less than 2 years b) 2 years and above less than 3 years Revised Rate of Interest (%) p.a c) 3 years and above 4.13 Durgashtami: 7 th October 2008 Vijayadasami : 9 th October 2008 & Diwali :28 th October 2008