SERVICE CHARGES

UNION BANK OF INDIA RATES AT A QUICK GLANCE AS ON 01.01.2010

DEPOSIT ACCOUNTS

NATURE RATE OF INTEREST MINIMUM BALANCE (AQB)   NORMAL SENIOR CITIZEN RURAL   SEMI-URBAN URBAN / METRO ACCOUNT             1. Savings Bank A/c             A. Domestic             a. With Cheque Book facility 3.50% 3.50% Rs.250   Rs.500 Rs.1000 b. Without cheque book facility 3.50% 3.50% Rs.100   Rs.250 Rs.500 c. No Frills Account North-eastern states Other than north-eastern states   3.50% 3.50%   3.50% 3.50%   NIL Rs.25     NIL Rs.25   NIL Rs.25 B. Non-Resident             a. NRO 3.50% 3.50%     b. NRE 3.50% 3.50%               2. Term Deposits             A. Domestic Rate of Interest  B. Non-Resident Accounts C. FCNR(B)

LOANS

LOANS RATE OF INTEREST (01.09.2009)   Processing Charges inclusive of applicable service tax 1. Housing Loan Upto Rs.5 lacs Above Rs.5 lacs upto 30 lacs Above Rs.30 lacs upto 50 lacs Above Rs. 50 Lacs BPLR = 11.75% w.e.f 01.07.2009. 0.50% of the loan amount subject to a maximum of Rs.15,000/- plus service tax as applicable:   0.25% of the loan amount  at the time of application plus service tax as applicable and 0.25% of loan amount on acceptance of sanction plus service tax as applicable. Floating Category Upto 5 years 9.00% 9.00% 9.25% 9.50% More than 5 years & upto 10 years 9.25% 9.25% 9.50%   10.00% More than 10 years & upto 15 years 9.50% 9.50% 9.75%   10.25% More than 15 years & upto 25 years 9.50% 9.50% 9.75%   10.25%           Fixed Category   * Upto 5 years 9.75% 9.75%  10.75%  10.75% >5 yrs to 10 yrs N.A. N.A. N.A. N.A. >10 yrs to 15 yrs N.A. N.A. N.A. N.A. >15 yrs to 25 yrs N.A. N.A. N.A. N.A.  * For Laons Above Rs. 50 lacs, Floating rate for First 3 Years     2. Personal Loan a) Consumer Durable Loan (Union Comfort Scheme) 15.00% ---   Upto Rs.10,000/ Rs.100 + S.T. @ 10.30% Upto Rs.50,000/ Rs.250 + S.T. @ 10.30% Above Rs.50,000/ Rs.500 + S.T. @ 10.30% b) Senior Citizen Loan Scheme (Union Reverse Mortgage Scheme) 10.50% 10.50%   0.50% of the loan amount subject to a maximum of Rs.10,000/- plus S.T. charges @ 10.30% c) Personal Loan Scheme (Union Comfort Scheme) 15.00% ---   Upto Rs.10,000/  Rs.100 + S.T. @ 10.30% Upto Rs.50,000/ Rs.250 + S.T. @ 10.30% Rs.500 + S.T. @ 10.30%     3. Vehicle Loan Upto 3 years Above 3 years and upto 5 years     a. Two Wheeler Loans 12.75% 13.25%   Rs.250 + Service Tax @ 10.30% b. Three Wheeler Loans --- ---   --- c. For New Cars 11.00% 11.25%   Upto Rs.2.00 lacs Rs.500 + S.T. @ 10.30% More than Rs.2.00 lacs Rs.1000 + S.T. @ 10.30% d. For Old Cars (Not old than 3 Years) 13.25% N.A.       4. Educational Loans Upto Rs.4.00 lacs Above Rs.4.00 lacs upto Rs.7.50 lacs   Above Rs.7.50 lacs   a) Male Student 11.75% 12.50%   12.00% NIL b) Female Student 11.25% 12.00%   11.50% NIL

CHARGES

1. Lockers Type of Locker SDV Rental p.a. (Rs.)(Applicable to Individuals and non-Individuals) Metro / Urban Branches  Rural / Semi-Urban Branches A 1100.00 825.00 B 1100.00 825.00 C 2750.00 1650.00 D 2750.00 1650.00 E 2750.00 1650.00 F 3300.00 2750.00 G 3300.00 2750.00 H 3300.00 2750.00 H-1 2750.00 1650.00 L 5515.00 4410.00 L-1 5515.00 4410.00   2. Drafts / TT / MT   Particulars Unit Charges for Non-individuals (Rs.) Charges for Individuals (Rs.) Issuance Upto Rs.5000 Per remittance 25.00 18.75 Rs.5001-10000 50.00 37.50       Rs.10001 -Rs.1 lac Per 1000 3.85 3.85 Minimum 50.00 50.00 > Rs.1 lac Per 1000 3.30 3.30 Minimum 440.00 440.00 Maximum 12500.00 12500.00 Cancellation Upto Rs.5000 Per DD / PO 15.00 11.25   Rs.5001-10000 25.00 18.75   Rs.10001-50000 35.00 35.00   Rs.50001 - Rs.1 lac 75.00 75.00   Above Rs.1 lac 100.00 100.00   For students N.A. 15.00               3. Outstation cheque collection   Upto Rs.10000   Rs.55.00 Rs.55.00   Rs.10001 - Rs.100000   Rs.110.00 Rs.110.00   Rs.100001 and above   Rs.165.00 Rs.165.00               4. NEFT Money Transfer  Inward   NIL NIL  Outward       Upto Rs. 1 lac Per Transaction 5.00 5.00 Rs. 1 lac & above Per Transaction 25.00 25.00 5. RTGS Money Transfer  Inward    NIL NIL  Outward          Upto Rs. 5 lac Per Transaction 25.00 25.00   Above Rs. 5 lac Per Transaction 50.00 50.00 6.Cheque Return charges (Handling charges for cheques returned unpaid including cash / transfer cheques) For non-individuals (Rs.) For individuals (Rs.) i) Local   i) Local   a) Outward (Due to in-sufficient funds & technical reasons) Rs.50 a) Outward (Due to in-sufficient funds & technical reasons) Rs.50 b) Inward clearing cheques returned unpaid due to financial reasons 50.00 b) Inward clearing cheques returned unpaid due to financial reasons 50.00 ii) Outstation 50% of collection charges ii) Outstation 50% of collection charges Minimum Rs.100 Minimum Rs.100               7. Handling charges for billes returned unpaid Local Rs.100 Local Rs.100 Outstation 50% of collection charges Outstation 50% of collection charges Minimum Rs.50 Minimum Rs.50   8. Cheque Book issue   MICR (Per Cheque Leaf) Rs.3.30 MICR (Per Cheque Leaf) 2.50 Non-MICR(Per Cheque Leaf) Rs.3.30 Non-MICR(Per Cheque Leaf) 2.50             9. No Dues Certificate SB Rs.35 per certificate SB Rs.35 per certificate For business purpose Rs.551.50 per certificate For business purpose Rs.551.50 per certificate   (Above charges are inclusive of service tax at applicable rates.)

10. Credit Cards  ( Revised Rates are effective from 21.05.2009)   Classic Silver   Gold Entrance Fees                                           NIL Annual Fees NIL Add on Card  NIL Finance charges on Roll over amount 1.90% (Monthly)   1.90% (Monthly )     1.90% (Monthly ) Cash Advance charges for cash withdrawal 2.50% (Monthly)   2.50% (Monthly)   2.50% (Monthly ) Cash Advance on credit limit 20% of limit   20% of limit   20% of limit Cash Advance charges at our Bank ATM Rs.100 per transaction   Rs.100 per transaction   Rs.100 per transaction Cash Advance charges at other Bank ATMs in India Rs.100 per transaction   Rs.100per transaction   Rs.100 per transaction Cash Advance charges (Overseas) Rs.125 per transaction   Rs.125per transaction   Rs.125 per transaction Late fee payment charges Rs.200   Rs.200   Rs.200 Charges for over the credit limit usage Rs.100 for Each occasion   Rs.100 for Each occasion   Rs.100for Each occasion Returned cheque   Rs.100 per instrument Rs.100 per instrument   Rs.100per instrument Limit enhancement fee   Rs.100 for Each occasion Rs.100 for Each occasion     Rs.100 for Each occasion Card Replacement fee   Rs.100 Rs.100     Rs.100 Retrieval of charge slip as levied by VISA   Rs.100 or the actual charges, whichever is higher Rs.100 or the actual charges, whichever is higher   Rs.100 or the actual charges, whichever is higher PIN Replacement Fee Rs.50   Rs.50  Rs.50  Service Tax   As applicable from time to time As applicable from time to time     As applicable from time to time         11. Debit Cards International Debit Card Annual Fee (after initial 12 months)   Rs.100/- + Service Tax Add-on Card Annual fee (after initial 12 months)   Rs.100/- + Service Tax Card Replacement Fee (other than due to manufacturing defect)   Rs.100/- + Service Tax Regeneration of PIN   Rs.25/- + Service Tax Transaction Charges (Service Tax Extra) Charges India Abroad Transaction charges (cash withdrawal, balance enquiry, etc.) at Union Bank ATMs NIL   Cash withdrawal from CashTree member Bank's ATM *   Cash withdrawal from SBI ATMs *   Balance enquiry from SBI ATMs NIL   Cash withdrawal from VISA ATMs NIL Rs.125/- Balance enquiry from VISA ATMs NIL Rs.30/- Currency Conversion Charges 2% of the transaction amount Service Charges on transactions at Petrol Pumps, Railways, etc. 2.5% of the transaction amount with minimum charge of Rs.10/-  (  *    means For SB  Account Holder for first  5 transaction pe month)