PRODUCTS OF TRANSACTION BANKING DIVISION

S.No. 1 2 3 4 5 6 7 8 9 10 11 SCHEME ATM/Debit Cards Suvidha Prepaid Card, UPHAAR Prepaid Card IBS Retail IBS Corporate SMS Alerts Mobile Banking PNB CMS PNB PAYFEE PNB ECS PNB Speed Remit-NEFT PNB Insta Remit-RTGS

ATM / DEBIT CARD At present four type of Debit Cards are being issued by our Bank as per the details as under: Signature Based Debit Card Classic Signature Based Debit Card Platinum Biometric Debit Card Mitra ATM Card Target Client/ Group i) Classic Debit Cards All the Customers, who maintain Current / Saving Fund / Overdraft account with our Bank. The designated account can be in joint names with 'either or Survivor, 'Former or Survivor' mandate and to all the account holders in such accounts having operation mandate as 'Any one'. In case of 'Former or Survivor' account card can be issued to Former only. Only overdraft accounts against security of Banks Deposits and Govt. liquid securities are covered under the scheme. The card will not be issued to firms, HUFs and Corporate bodies. ii) Platinum Debit Cards Customers who maintain minimum average quarterly balance during last quarter of Rs. 1.00 lac in case of a Current Account (sole proprietorship) and Rs. 50,000/- in case of a Saving Fund Account are eligible for issuance. In case of Current (Overdraft), the customers who are enjoying limit of Rs. 1.00 lac and above are eligible for Platinum card. Only overdraft accounts against security of Banks Deposits and Govt. liquid securities are covered under the scheme. All the staff members (including retired employees) of our Bank. Any other customer, who in the opinion of Incumbent is a valued customer for the Bank. The discretion is to be exercised judiciously and not arbitrarily. iii) Biometric ATM Card Makes it possible for illiterate or barely literate population to become part of the banking user community. iv) Mitra ATM card Having features of an ATM card to be issued to all MITRA Account holders. The card may also be issued to other customers who wish to opt for this card, on the specific request of the account holder.

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Product features i) Signature Based Classic Debit Card: Under this category cash withdrawal limit on ATM & transaction limit at POS / e-commerce is Rs. 25000/- each per day.(From ATMs Rs15,000/- on a single transaction) ii) Platinum Debit Card: Under this category the cash withdrawal limit on ATM and POS / e-commerce limit is Rs. 40,000/- and 60,000/- respectively per day.(From ATMs Rs15,000/- on a single transaction) iii)Biometric ATM card Under this category cash withdrawal limit on ATM is Rs. 5000/Card not enabled for POS / e-commerce transactions. Biometric cards can be used at PNB ATMs only. Application supports transaction authorization mechanism with Biometric finger scans of the cardholder. The cardholder has to register four fingers on the scanner and shall be able to use any of the four registered fingers for doing an ATM transaction. The Biometric ATM will support dual mode of card-based transaction Authorization mechanism: i) The regular PIN based transaction authorization and ii) In addition to PIN based transaction, ATM will support transaction authorization based on the finger scan of the customer being uniquely identified against a card. iv) Mitra ATM Cards Under this category cash withdrawal limit on ATM is Rs5000/Not enabled for POS / e-commerce transactions. Mitra cards can be used at PNB ATMs only. v) Other Features: Transfer of funds to 3rd party accounts through ATM is permitted subject to a maximum amount of 25000/- per transaction However, there is no limit of number of transactions in a day. PNB Card Holders can receive funds from any Master Card Holder of participating bank situated abroad. The salient features of this scheme are as under: Eligibility: All PNB Debit Card Holders (Maestro and Master Card) Txn. Limit: Minimum Rs. 500 (approx USD 10) and Maximum Rs. 125000 (approx. USD 2500). No daily/monthly limit. Charges: NIL

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USP of the Product Loyalty Reward programme for PNB Debit Card holders who are using their card for POS/ E-commerce transactions. In order to view their reward points and to redeem the same, cardholders would be required to register for Debit card loyalty programme where they will be given unique user-id & password. This reward point scheme is valid for a period of three years (w.e.f. 20.10.2010) i.e. upto 19.10.2013. Availability of Free Group accidental Death insurance cover upto Rs 2,00,000 /- (Rs. 50000/= for Classic/Maestro Debit Cards & Rs.2,00,000/= for Gold/Platinum Debit Cards), to active card users i.e. those who have used their Debit card far a financial transaction during the past 90 days. The Insurance claim procedure is placed on the Banks Website.

Product Price / Charges ATM/ Debit card are being issued free of cost to all account holders.(existing as well as new account holders.) Further there is an annual charge of Rs112/- for ATM / Debit card w.e.f. 01.04.2011. For issuance of Duplicate Debit Card and Duplicate Pin number charges of Rs100/- & Rs25/- respectively are being levied to the customers. In case of MITRA ATM cards there will be no charges for Annual Maintenance, Issuance of Duplicate PIN & Issuance of Duplicate Card.

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PNB PRE-PAID CARDS: PNB Suvidha Card: The features of this card are as under: PNB SUVIDHA CARD 1 2 3 4 Customers and Non Customers. Payments to be accepted either as transfer from a PNB account or by way of a Cheque. Place of Issuance PNB Branches Type of Card to be Non-Personalized Cards. issued May also be issued in the form of a Co-branded Card in case of our Corporates. Documents For Existing Customers: required for Application form for issuance of issuance of card Card. The A/c should be KYC complaint. (As per Banks For Non-Customers: existing guidelines Application form for issuance of for KYC compliance) Card Identity Proof: - PAN card, Passport, Driving License, Voter ID card or any other proof as per Banks guidelines for KYC compliance Address Proof: - Telephone Bill, Electricity Bill, Ration card or any other proof as per Banks guidelines for KYC compliance The Mobile Number of the cardholder is mandatory. Applicability of Pan India Card Currency of Card INR Amount that can be Minimum: Rs 500/loaded on the PNB Maximum: Rs 50000/Suvidha Card Validity of Card Minimum 6 months, maximum 36 months from date of issue Replacement of a card before the minimum validity period would attract card replacement fee Transactions under Cash withdrawals (At PNB ATMs) PNB Suvidha Maximum Rs 25000/- per day Cash withdrawals (At ATMs of Other Banks) Maximum:- Rs 25000/- per day 159 Eligibility

5. 6 7 8

(Charges will be applicable as per RBI guidelines) Transactions at POS No minimum Maximum Rs. 50000/- (Subject to the available balance on the Card); up to Rs.25000/- per day. Balance enquiry, cash withdrawals & PIN Change. Balance enquiry, cash withdrawals. (Transactions to be guided as per RBI guidelines issued from time to time) Stock of Suvidha Cards and respective PINs would be maintained at branches. The stock of Suvidha Cards and their PINs held at branches would be treated as security forms and their records shall be maintained accordingly. Only the purchaser of a Card may request for a duplicate PIN. The duplicate PIN will be sent to the branch from where the request has been generated. To be immediately reported to Banks Call Center by the card holder for hotlisting of Card. PNB Suvidha may be reloaded by the purchaser through transfer from a PNB account or by payment by cheque at any branch of the Bank However, re-loading through cheques would be subject to realization. PNB Pre paid cards would be accepted at: All PNB ATMs, ATMs of other Banks accepting Master / Maestro logo or those covered under the Sharing arrangement. At POS / Merchant establishments with logo of Maestro / Master Card. Over the Internet for E-commerce Transactions. Cash Withdrawal from ATMs up to Rs. 25000/- per day. Purchase at POS machines and over Internet up to Rs. 25000/- per day Convenience of Payment of Utility Bills at ATMs and payment / purchase over the Internet 160

10

Facility at PNBATMs Facility at ATMs of Other Bank Stock of Suvidha Cards and PIN

11

12

Application for duplicate PIN Reporting loss of Card Re-loading of Card

13 14

15

Acceptability of the Card

16

Facilities available to card holders

17

Surrender of Card

18 19

Type of Account to support PNB Suvidha Process at CBS

Before surrendering the PNB Suvidha Card, the Card holder would be required to withdraw the balance amount available from an ATM. Any residual amount less than Rs100/remaining on the card that cannot be withdrawn through an ATM, can be refunded to the purchaser of the Card through an account payee Demand Draft, after due verification of his identity. After surrender of the card, the same should be destroyed by cutting it into at least 4 pieces. PNB Suvidha would be supported by Current Accounts Each Suvidha Card will have a separate current account. A Separate Menu will be customized for the issuance of the card in CBS. PNB Suvidha would have the facility of Bulk issuance. However, this facility would be made available to our existing Corporates only. Card holders would be required to fill up the application form for re-loading of the Card. Reloading would be allowed only through the PNB account of the Card Holder, or by cheque. Through Transfer / Cheque only. Issuance or re-loading of Card through cash will not be permitted.

20.

Facility of Bulk Issuance Documents required for reloading of Card

21.

22.

Mode for Issuance/ Reloading of PNB Suvidha

Schedule of Charges (proposed) Joining Fee: Free of cost Cash Reloading: Free Card replacement fee (if card is lost): Rs 25/Duplicate PIN fee :- Rs. 25/-

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PNB UPHAAR CARD: PNB UPHAAR CARD : A GIFT CARD 1 2 3 4 Eligibility Place of Issuance Type of Card to be issued Documents required for issuance of card (As per Banks existing guidelines for KYC compliance) Customers and Non Customers. Non-Customers may purchase PNB Uphaar through payment from their account or by cheque. PNB Branches Non-Personalized Cards. For Existing PNB Customers: Application form for issuance of Card. The A/c should be KYC compliant. For Non-Customers: Application form for issuance of Card Identity Proof: - PAN card, Passport, Driving License, Voter ID card or any other proof as per Banks guidelines for KYC compliance Address Proof: - Telephone Bill, Electricity Bill, Ration card or any other proof as per Banks guidelines for KYC compliance The Mobile Number of the cardholder is mandatory. Pan India INR Minimum: Rs 500/ Maximum: Rs 50000/Minimum 6 months maximum upto 12 months from date of issue Replacement of a card before the minimum validity period would attract card replacement fee No minimum limit Maximum Rs. 50000/- (Subject to balance available on the Card); up to Rs.25000/- per day. Stock of PNB Uphaar Cards and respective PINs would be maintained at branches. The stock of Suvidha Cards and their PINs held at branches would be treated as security forms and their records shall be maintained accordingly. The original purchaser of the Card may lodge a request with a branch for issuance of Duplicate PIN. 162

5. 6 7 8

Applicability of Card Currency of Card Amount to be loaded in PNB Uphaar Card Validity of the Card

10

Transactions at POS (Cash withdrawal is not allowed through the card.) Stock of Card and PIN

11

Issuance of duplicate PIN

12 13 14

Reporting loss of Card Re-loading of Card Card Accepted at

15

Facilities to be provided to card holders Process at CBS

16

17. Bulk Issuance

18.

Type of account required to support the Card 19. Mode for purchase of Card Purchase 20. Transferability

The duplicate PIN will be sent to the branch from where such a request has been generated. To be immediately reported to Banks Call Center by the card holder for hotlisting of Card. PNB Uphaar is not a reloadable card. PNB Uphaar card would be accepted at: All the POS / Merchant establishment having Maestro / Master Card logo. Over Internet for Ecommerce Transactions. Purchase at POS machines and over Internet for up to Rs. 25000/- per day Other E-commerce transactions such as payment of Utility Bills / booking of tickets/ making purchases etc. over the Internet Each Uphaar Card will have a separate current account. Separate Menu will be customized for the issuance of the card in CBS. The issuing branch will issue the card using the customized CBS menu options. PNB Uphaar may be issued in Bulk only to existing customers. A utility would be provided in CBS to facilitate bulk purchase of these Cards, especially by Corporates. There is no restriction on number of cards that may be issued to corporate entities. However, in case of individuals, up to 20 cards may be purchased during a month. Current Account. Through Transfer from a PNB account or by Cheque PNB Uphaar cards shall be transferable by delivery.

Schedule of Charges (proposed) Joining Fee: Free of cost Card replacement fee (if card is lost): Rs 25/Duplicate PIN fee :- Rs. 25/-

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List of Relevant Circulars containing Operational Guidelines CIRCULAR 14 / 2006 Dt. 16.10.06 (In super cession of all earlier circulars) 18 / 2007 Dt. 04.10.07 21 / 2007 Dt. 26.10.07 05 / 2008 Dt. 11.01.08 28/2008 Dt14.11.08 OSD 09/2009 Dt 25.02.09 13/2009 Dt 16.03.09 28/2009 dt 18.06.09 TBD 30/09 Dt 12.08.09 TBD 02/10 Dated 12.01.10 TBD 77/10 Dated 13.04.10 TBD 160/10 Dated 20.10.10 TBD 161/10 Dated 20.10.10 TBD 13/11 Dated 22.02.2011 GIST OF CIRCULAR Issuance of Debit card Change in procedure to allow ADD-ON Debit Cards and other features. Issuance of Debit cards- Launching of Signature Based card Issuance of Signature Based cardw.e.f.29.10.07 Changes in DCARD menu. Revision in service charges pertaining to ATM / Debit card w.e.f. 01.02.08. Issuance procedure of Bio-metric card. Service charges on ATM / Debit card waiver of annual fees wef 01.02.09 for PNB vidyarthi accounts. Issuance procedure of Non-personalized BIO Metric ATM card Signature based Debit card(Gold)- change in procedure of issuance. Implementation of MasterCard secure code for Credit / Debit card usage Launch of PNB Mitra ATM card Issuance of MITRA ATM cards to customers other than MITRA accountholders. Reward Point Scheme on PNB Debit Cards Free Group Accidental Death Insurance Scheme on Active PNB Debit Cards Pre Paid Cards: Introduction of PNB Suvidha with PNB Uphaar

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A. NAME OF THE PRODUCT

: IBS RETAIL

B. Target Clients /Group: Individual/Joint A/c Holders C. Product Features: View and monitoring of Accounts. Online fund transfer to self or third party accounts. Scheduled transfer of funds. Online Inter Bank RTGS / NEFT Remittance Payment of Railway Tickets/Airlines Tickets Payment of various utility bills like electricity, water, cell/ mobile, telephone etc. Payment towards Donations, Subscriptions, Insurance Premiums Payment towards PNB Credit Card dues/outstanding Payment for taxes/duties/fees/commissions etc for government departments for Excise Tax, Service Tax Customs duty Fees under DGFT Fees/commission under MCA21 E-procurement/tendering under NIC Direct Taxes (CBDT)

Request through Internet banking: Cheque Book Issuance Demand Draft Issuance FD Breaking FD Opening FD Renewal Request for NEFT Request for RTGS Request for Statement of Account Retail IBS Fund Transfer limits Transfer of Funds through Retail internet Banking can be classified under two heads: I. Within your own accounts i.e. Self Transfer NO LIMIT II. To 3rd party accounts `. 15 lacs per day (3rd Party accounts may be of following types ) Utility Bill payments. Intra Bank 3rd party transfer Inter Bank 3rd party transfer ( Two types) RTGS ` 2 lac as minimum amount limit per transaction within the overall per day funds transfer limit of `15 lac NEFT less than ` 2 lac per transaction

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With effect from 10.03.2011, Retail users of Internet Banking Services can undertake up to 5 transactions per day as per their choice. Time Limits for remittance of Funds through RTGS/NEFT using IBS. The funds can be transferred Inter Bank using the Internet Banking Services. The time limit is as under: RTGS (R41 transactions i.e. customer transactions) Monday to Friday 9 AM to 3.45 PM Saturday 9 AM to 12.45 PM (The outer time limit is 15 minutes prior to the last close time in branch) NEFT (N06 transactions i.e. customer transactions) Monday to Friday 6 AM to 6.45 PM Saturday 6 AM to 12.45 PM D. USP of the Product in the Market: Online Inter Bank fund transfers through RTGS / NEFT which replaces the cheques and DD. For initiating an NEFT transaction customer can do the same at 6 AM in the morning, whereas it can be started at 9 AM in the branch, i.e. customer has got a greater time span than the branch. Online Booking Railway Tickets/Airlines Tickets Payment of various utility bills like electricity, water, cell/ mobile, telephone etc. Payment towards Donations, Subscriptions, Insurance Premiums Online payment for taxes/duties/fees/commissions/VAT etc

E. Product Price/Charges: No charge F. List of relevant circulars containing operational guidelines: - TBD 17/2011 dated 04/03/2011 INTRODUCTION OF PER DAY LIMIT ON NUMBER OFTRANSACTIONS THROUGH RETAIL INTERNET BANKING - ITD CBS 116/2010 dated 15/11/2010 CHANGE IN AMOUNT LIMITS FOR RTGS & NEFT THROUGH INTERNET BANKING - TBD-141/2010-MANDATORY REGISTRATION FOR SMS ALERTS FOR CUSTOMERS OPTING FOR INTERNET BANKING & REDUCTION IN THE EXPIRY PERIOD OF DORMANT IBS PASSWORDS W.E.F. 01.09.2010

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- TBD-131/2010-MANDATORY REGISTRATION OF SMS ALERT SERVICE FOR INTERNET BANKING USERS: FOR CREATION OF NEW PAYEE IDS W.E.F. 01.08.2010 - TBD-80/2010- CEILING OF RS. 15 LACS PER DAY FOR TRANSFER OF FUNDS THROUGH INTERNET BANKING CHANNEL TO OTHER ACCOUNTS - TBD-22/2010-INTERNET BANKING SERVICES IMPLEMENTATION OF REGISTERED PAYEE MECHANISM FOR THIRD PARTY TRANSFERS - TBD-42/2009-ISSUANCE OF INTERNET BANKING FACILITY TO THE CUSTOMERS - REQUESTED THROUGH CALL CENTRE - OSD-19/2009- RESTRICTING FUNDS TRANSFERS PER DAY IN RETAIL INTERNET BANKING - OSD-04/2009-TO MENTION THE MOBILE NO. OF ALL ACCOUNT HOLDERS IN FINACLE FOR INTERNET BANKING FACILITY - OPSD-18/2008-NEW PROCEDURE FOR SUBMITTING RETAIL IBS REQUESTS THROUGH FINACLE - OPSD-05/2007-IBS KEY- PROCESSING DUPLICATE PASSWORD REQUEST DIRECTLY FROM RETAIL INTERNET BANKING USERS. - OPSD-02/2007-PROPER PROCESSING OF MENU OPTIONS 'FORM B', 'ACTIVATION REQUEST','PASSWORD RESET REQUEST' - OPSD-10/2006-DISPATCHING CUSTOMERS' PASSWORD MAILERS TO BRANCHES - OPSD-02/2005-CUST ID WILL BE THE USER ID IN RETAIL INTERNET BANKING - CBS-64/2004,14/2004-RM GUIDELINES AND IBSRPT OPTION - CBS-37/2003-INTRODUCTION TO INTERNET BANKING SERVICES & FORM 1063

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A. NAME OF THE PRODUCT B. Target Clients /Group: Sole Proprietor, Partnership Pvt. Ltd Public Ltd. Trusts, HUF, Societies, Others

: IBS CORPORATE

C. Product Features: Designated account administrator for management of users and account Multi User operation for Single Account Maker Checker system for Funds transfers View and monitoring of Accounts, Online fund transfer to self or third party accounts, Scheduled transfer of funds. Online Inter Bank RTGS / NEFT Remittance, Payment of Railway Tickets/Airlines Tickets Requests through Internet Banking Account Opening, Cheque book, Demand draft issuance, Inland Bill lodging, LC opening, Etc. Payment of various utility bills like electricity, water, cell/ mobile, telephone etc, Payment towards Donations, Subscriptions, Insurance Premiums Payment for taxes/duties/fees/commissions etc for government departments for Excise Tax, Service Tax, Customs duty, Fees under DGFT, Fees/commission under MCA21, Eprocurement/tendering under NIC, Direct Taxes (CBDT) Corporate Internet Banking facility is available for trading concerns like view details of import documentary credit, import bills, open Letter of credit, lodge bill online for collection etc. Bulk debit / credit feature (salary upload and dealer debit collection. Bulk NEFT upload Facility for Funds management, account spooling and sweeping, trade finance management, MIS reports, Bank reconciliation statement etc D. USP of the Product in the Market: Financial Rules can be defined based on the customer requirement for funds transfer involving Maker & Checker Online Inter Bank fund transfers through RTGS / NEFT which replaces the cheques and DD Salary upload/Dealer Debit uplaoad/Bulk NEFT upload
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Online Booking Railway Tickets/Airlines Tickets Payment of various utility bills like electricity, water, cell/ mobile, telephone etc. Payment towards Donations, Subscriptions, Insurance Premiums Online payment for taxes/duties/fees/commissions etc

E. Product Price/Charges: No charge F. List of relevant circulars containing operational guidelines: - ITD-106/2010-NEFT BULK UPLOAD FACILITY THROUGH INTERNET BANKING SERVICES (CORPORATE) TBD-141/2010-MANDATORY REGISTRATION FOR SMS ALERTS FOR CUSTOMERS OPTING FOR INTERNET BANKING & REDUCTION IN THE EXPIRY PERIOD OF DORMANT IBS PASSWORDS W.E.F. 01.09.2010

TBD-131/2010-MANDATORY REGISTRATION OF SMS ALERT SERVICE FOR INTERNET BANKING USERS: FOR CREATION OF NEW PAYEE IDS W.E.F. 01.08.2010 TBD-22/2010-INTERNET BANKING SERVICES IMPLEMENTATION OF REGISTERED PAYEE MECHANISM FOR THIRD PARTY TRANSFERS OSD-04/2009-TO MENTION THE MOBILE NO. OF ALL ACCOUNT HOLDERS IN FINACLE FOR INTERNET BANKING FACILITY -

OSD-26/2008-NEW PROCEDURE OF SUBMITTING CORPORATE INTERNET BANKING REQUESTS THROUGH FINACLE - NEW USER CREATION, ATTACHMENT OF MORE CUSTOMER IDS TO EXISTING CORP IDS AND EXTERNAL LINKING OF A/CS OPSD-02/2007-PROPER PROCESSING OF MENU OPTIONS 'FORM B', 'ACTIVATION REQUEST','PASSWORD RESET REQUEST' OPSD-10/2006-DISPATCHING CUSTOMERS' PASSWORD MAILERS TO BRANCHES CBS-64/2004, 14/2004-RM GUIDELINES AND IBSRPT OPTION

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A. NAME OF THE PRODUCT

: SMS ALERTS Types: 1. Retail 2. Corporate

B. Target Clients /Group : Retail : Individual/Joint A/c Holders /Sole Prop Corporate : All Corporate accounts C. Product Features: Alerts generated on defined cut-off amount limit for identified DR/CR transactions done through banking channels. Customer can register for this facility through Branches ATMs D. USP of the Product in the Market: Online Alerts Return of cheque (bounced) Realization of cheques Realization of bills Third party account transfer RTGS / NEFT remittance in the account Cash withdrawal Withdrawal at ATM Stop payment of cheque Internet Banking Transaction password change Cut Off Limit for getting Alerts for transactions : The limits are as under: Normal Customers: No cut-off limit for the transactions at ATM, IBS, Ecommerce. Pensioners: No cut-off limit for all transactions Offline Alerts Release of lien information under share trading mechanism. Renewal/payment of fixed deposit on maturity Closure of SMS services Renewal of CC/OD account limits. Installment due of retail loans. Reminder on overdue on installment amount of retail loan Execution of standing instructions
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E. Product Price/Charges: No charge F. List of relevant circulars containing operational guidelines: - TBD 8/2011 dated 15/01/2011 REDUCTION IN CUT-OFF LIMIT OF SMS ALERTS FOR PENSIONERS ITD-84/2010-GIST: VERIFICATION SMS ALERTS REGISTRATION ON CUMM

ITD-76/2010-NEWREPORTS PERTAINING TO SMS ALERTS FACILITY ADDED UNDER MBKRPT OPTION

- ITD-43/2010- SMS ALERTS FACILITY ITD-16/2010- SMS ALERTS/MOBILE BANKING SERVICES

- CBS CIRCULAR 93/2009

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A. NAME OF THE PRODUCT : MOBILE BANKING Different flavors/devices I. Manual SMS with Pull SMS Facility (available on all handsets) II. Thin Client GPRS Applicable with Internet enabled handsets III. Thick SMS Applicable with only Java enabled handsets IV. Thick GPRS Applicable for Internet with Java enabled handsets B. Target Clients /Group: Individual/Joint A/c Holders C. Product Features: Manual SMS Banking-

View account balance

Account Statement Request

Online Mini Statement (Quick View of last 10 transactions)

Transfer of funds to own accounts

Online Stop payment of cheque

Request for Cheque Book issuance

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Cheque Status inquiry

Message to Relationship Manager

Changing SMS Password

D.

Other flavors (Thick & Thin Clients) In addition to the above features following additional features would be available under these flavors:

Account Details

Account Statement

Activity Inquiry

Transfer of funds to 3rd Party Accounts within Bank

Changing Login and Transaction Password

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Offline Request (FD Opening, NEFT, RTGS)

Payments towards utility bills/services

E. Product Price/Charges: No charge F. List of relevant circulars containing operational guidelines: ITD-112/2010-PNB MOBILE BANKING PAYMENTS (RETAIL CUSTOMERS) - ITD-16/2010- SMS ALERTS/MOBILE BANKING SERVICES - TBD-51/2010-MOBILE BANKING FACILITY FOR CUSTOMERS: OPERATIVE GUIDELINES/PROCESSES FOR BRANCHES AND CIRCLE OFFICES ITD-13/2010-PNB MOBILE BANKING SERVICES (RETAIL CUSTOMERS) -

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NAME/ TITLE OF THE PRODUCT/SCHEME- CASH MANAGEMENT SERVICE :(PNB CMS) A. Target Clients GroupCorporate, Insurance companies, PSUs, NBFCs & MFs, FIs or any other organisation having multiple location and bulk instruments or financial transaction handling operations. B. Product Features CMS is a hybrid system of collections and remittances at a faster pace to manage their receivables & payables in an effective and efficient way with certain value additions. Currently the products offered in Collections are Local Cheque Collections (Single and bulk through e-upload), Upcountry Cheque Collections, Cash Collections, Postdated Cheque Collections, Auto Debit Mandates and Bulk Payments through NEFT/RTGS/Account Transfer. Enriched and Customised MIS as per the requirement of the customer. Customized credit to customers starting from day 1 to day n. Consolidated Service Charges levied at the end of month C. USP of Product in the Market Our PAN India centrally connected Branch network with presence at 2741 CBS Centres having 5214 Service outlets with dedicated staff. However around 700 branches are CMS enabled. On request any CBB can be made CMS enabled. We offer credits both on Actual Realization (As and when instrument is realized) and Assured credit basis (as per arrangement with the customer i.e. on D+0, D+1 .... D+n, irrespective of the realisation process).However, interest is charged for out of fund position. The Client can view/monitor his accounts, generate reports and pass instructions to the Bank by accessing the services over the internet (www.onlinepnb.in). Client can download MIS/Data file for directly uploading their Accounting/ERP system.

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We offer wide range of MIS which can be customized as per the specific requirements of individual client. Our system has provision to capture customer specific information like dealer codes, customer product codes, branches, divisions, regional offices, etc for use in customer advices/MIS. D. Product Price/ChargesFor LCC Module: (Charges in paisa /per Rs.1000)

Annual Turn Over In Rs. Crores TYPE OF CENTRE >250 100-250 <100 Metro 06 15 25 Urban 20 30 50 Semi Urban 50 70 90 Rural 70 90 120 These will be based on D+1 & D+2 basis i.e. actual realization period basis. Minimum charge per instrument Rs.2/For UCC Module (Charges in paisa /per Rs.1000)

Annual Turn Over In Rs. Crores TYPE OF CENTRE >250 100-250 <100 Metro 30 35 40 Urban 40 45 60 Semi Urban 60 80 100 Rural 90 120 150 Note: Minimum per instrument Rs.15/-. Above charges are on credit on following days basis. Destination Metro Centre Assured Credit 5 Day on Urban 6 Day Semi Urban 7 Day Rural 10 Day

For PDC Module: In addition to UCC / LCC charges as applicable Rs.10/per instrument per quarter is to be recovered. Instruments can be received with maximum period of one year. Charges if paid prior to above proposed days of credit If party desires immediate credit or prior to date as proposed above, party is charged interest @PLR + 3.5% or if they are availing credit facility (Working capital) with us @ ROI being charged in the account + 1.00% for the days for which credit has been given in advance. Returning Charges- Returning Charges to be Rs.120/- per instrument in case of LCC and in case of UCC Rs.50/- + interest for the period bank remains out of fund at the rate as proposed above.
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E. List of relevant circulars containing operational guidelines. Corporate Marketing Division circular 01/2009 Marketing Division circular 02/2008 Transaction Banking Division circular No 28/2010. Transaction Banking Division reconciliation letter to branches.

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NAME/TITLE OF THE PRODUCT/SCHEME: PNB PAYFEE - UTILITY FOR COLLECTION OF FEE FOR ANY USER INSTITUTES. a) Target Clients /Group: Schools etc. Educational institutes, Universities, Colleges,

b) Major Beneficial Features of the product: For Institutes Provides flexibility to the students/parents to deposit fee at any PNB branch as per their convenience. System-generated MIS helps the Institutes in reconciliation of their accounts and updation of student records. The institutes central account at nodal branch is credited immediately. For Branches Enables branches to mobilize accounts of colleges/schools and other educational institutions. Helps in bringing new customers to our fold viz Students, Guardian & Staff related to the institution. Scope for cross-selling the various products of the Bank viz. Debit Card, Internet Banking, Credit Card etc to the staff, students and their parents in addition to creation of future scope for marketing of Education Loan, Personal Loan and ultimately Housing Loan products. Since the utility offers the facility of collection of fee/charges etc from any of the CBS branches across the country, the work load of collecting the fee will be distributed among various branches. c) USP of product in the market Our PAN India centrally connected network of 5214 Service outlets with presence at 2741 Centres. The customized MIS will help user/institutions to soft load the data to their system without involving any major manpower at their end. d) Product Price/Charges: The service charges differ on case-to-case basis and are decided on the basis of detailed cost-benefit analysis, average float maintained with the nodal branch and annual turnover of collections. The charges are levied on per transaction basis only.

e) Process Flow: Students of Institute may deposit Fee at any of the CBS branches across the country using a customized deposit slip/challan form. The institutions may devise their deposit slips for availing this facility on the pattern of the format. 175

The branch enters cash/transfer instrument in the system using PAYFEE menu instead of TM and captures MIS details provided by the students. The MIS report, giving student-wise collection details, is provided to the Institute by its Nodal Branch as per their requirement.

f) List of relevant Circulars containing operational guidelines Detailed guidelines on PAYFEE is issued vide TBD circular no. 86/2009 dated 14.11.2009

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NAME/TITLE OF THE PRODUCT/SCHEME: ELECTRONIC CLEARING SERVICES :(PNB ECS) a) Target Clients/Group Any individual/ organization who desire to have the facility of bulk transfer of monies from one bank account to many bank accounts or vice versa, can avail the services of ECS (Debit or Credit) using the services of an ECS Centre at an ECS location. b) Product Features (Gist of product) ECS facility is an optional / an additional mode of payment. There are two types of ECS i.e. ECS (credit) and ECS (debit). Under ECS (Credit), multiple accounts are credited to the debit of one account and under ECS (Debit), multiple accounts are debited and one account is credited. Not required to open any new account for the purpose. Effortless receipt No need for visiting the bank for depositing the dividend/interest warrant. Make payments on the due date without issuing cheque to party. Debit/Credit in your account, individually up to any limit on the amount of ECS transactions. Easily transfer funds from customers account via electronic way from one bank to another bank account. Savings on administrative machinery for printing, dispatch and reconciliation of paper instruments that would have been used had beneficiaries not opted for ECS Credit. Avoids chances of loss/theft of instruments in transit, likelihood of fraudulent encashment of paper instruments, etc. Efficient payment mode ensuring that the beneficiaries' get credit on a designated date.

c) USP of Product in the Market Customer can make payments towards loan installments, telephone bills, electricity bills or house tax, water tax etc. on regular basis directly through automatic debiting to the account once the ECS mandate form is given. Make payments of interest/dividend warrant, refund of share application money etc, directly in electronic form into your bank account by the institutions /companies by submitting ECS credit mandate form.

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d) Product price / Charges {RMD (earlier RBD Deposit) Cir. 29/2009 dated 20/08/2009)

Electronic Clearing Service A) ECS: CREDIT CLEARING: Charges (per data entry/record) SPONSOR BANK: Minimum charges Rs.2000/- + charges payable to RBI and Destination Bank, if any. a) Upto 10000 records b) Above 10000 to 100000 records c) Above 100000 records @Rs.5/- per record + charges payable to RBI and Destination Bank, if any. @Rs.3/- per record + charges payable to RBI and Destination Bank, if any. (Subject to a minimum of Rs.50,000/-). @Rs.2/- per record + charges payable to RBI and Destination Bank, if any. (Subject to a minimum of Rs.3, 00,000/-.

2. Charges Payable to Destination Bank and/or RBI: On actual basis, i.e., as waived/ prescribed by RBI from time to time. B) ECS: Debit Clearing ( Inclusive of service Tax and Education Cess) ECS: Debit Clearing: Rs.3/- per transaction charges Minimum charges Rs.2000/- + charges payable to RBI and destination Bank, if any. SUBJECT TO RECOVERY OF ALL OUT OF POCKET EXPENSES INCLUDING PROCESSING CHARGES IN CASE THEY ARE EVER AGAIN LEVIED BY RESERVE BANK OF INDIA. C) A sum of Rs.100/- be levied as returning charges on return of ECS (Debit) on account of Insufficient Funds. D) Full waiver in respect of INCOME TAX REFUND ORDERS: Reserve Bank of India vide their circular No. RBI/2004/90- DBGA. GAD No. H-767/42.01.034/2003-04 dated 9.3.2004 on the subject has conveyed that Government has taken a decision to implement Electronic Clearing services (ECS) credit for direct tax refunds. Accordingly, no ECS charges be levied in respect of Income Tax Refund Orders

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e) List of relevant circulars containing operational guidelines Detail guidelines on Centralization of ECS is issued vide TBD (Earlier OSD) circular no. 25/2009 dated 4.5.2009 Guidelines on ECS mandate maintenance for Inward Debit for operative accounts is issued vide ITD circular no. 97/2009 dated 5.12.2009

f) Any other important input For any further clarification, the user can contact the nearest branch or contact at : 011 - 23359035, 23766383, 23710021 (Ext. 349) or send a mail to tbd@pnb.co.in The salient features, benefits of ECS and FAQs on ECS are also available on our website www.pnbindia.in

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a) NAME/TITLE OF THE PRODUCT/SCHEME: PNB SPEED REMITNATIONAL ELECTRONIC FUND TRANSFER (NEFT) b) Target Clients/Group Corporate /Individual Customers. c) Product Features (Gist of product) NEFT is an application developed by RBI to facilitate customers to transfer funds from one bank account to another bank account in India. It is an efficient, secure, economical, reliable and expeditious system of funds transfer between banks. Funds are settled on a net basis in batches. On Monday to Friday, funds are settled within 11 batches and on Saturday in 5 batches. Every hour one settlement will take place. Hassel Free- Instant Money Transfer Facility. Eliminates Risk of loss of Instrument or its fraudulent use. Settlement of remittance of funds within two settlement cycles. No Minimum or Maximum Limit on amount to be remitted. Facility also available through Internet Banking Channel both Online and Request mode. The facility available at all our branches. The Customer may remit funds through a request to Branch or directly through Internet Banking services. The time schedule for making Transaction is as below :

RBI settlement timings (Hourly settlement) Weekdays 9.00 am to 7.00 pm Saturday Through CBS Weekdays Saturday 9.00 am to 1.00 noon

9.00 am to 6.45 pm 9.00 am to 12.45pm

Through Internet Banking Weekdays 6.00 am to 6.45 pm Saturday 6.00 am to 12.45 noon

d) USP of Product in the Market Facility available to both Retail & Corporate Clients.

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Facility available at all CBS Branches of the Bank. Facility also available for Bulk users through Internet Banking Channel

e) Product price / Charges Value Band Upto Rs. 1 lac Above Rs.1lac to Rs.2 lac Above Rs. 2 lacs Charges Rs. 5/Rs. 15/Rs. 25/Charges (incl service Tax) Rs. 5/Rs. 16.50 Rs. 27.50

If handling of Cash is involved, normal cash handling charges at the prevalent rates would be levied in addition to the normal charges. f) List of relevant circulars containing operational guidelines Detail guidelines on NEFT (Bulk Remit) is issued vide ITD/CBS Circular no. 116/2010 dated 28.10.2010 Guidelines on RTGS/NEFT through Internet banking is issued vide ITD CBS circular no. 5/2009 dated 15.1.2009 Guidelines on RTGS/NEFT for Inward and outward message for NRE/NRO is issued vide ITD circular no. 64/2009 dated 10.8.2009 Guidelines on Usage of RTGS/NEFT Revised Service charges is issued vide TBD circular no. 167/2010 dated 9.11.2010. Guideline on Refinement of process flow and enhancement of featuresvide Circular No. 33/2010 dated 25-02-2010 Guidelines on increasing the usage of NEFT / RTGS transactions vide TBD Circular 5/2011 dated 11/01/2011

g) Any other important input Help Desk The user can contact the nearest Branch and/or approach NEFT Help Desk as under:-Mumbai All Queries : (022) 22627519 Fate regarding Outward/Inward NEFT : (022) 22627523 and Fax Nos. (022) 22673797 Email: neft_mumbai@pnb.co.in New Delhi All Queries : (011) 23765326, 23710021 Ext. 224 Email: neft_help@pnb.co.in

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a) NAME/TITLE OF THE PRODUCT/SCHEME: REMIT REAL TIME GROSS SETTLEMENT (RTGS) b) Target Clients/Group Corporate/Individual customers. c) Product Features (Gist of product)

PNB INSTA

The Customers may remit funds to Accounts maintained with any other Bank in India. The funds are transferred on a 'real time' and on 'gross' basis. 'Gross settlement' means the transaction is settled on one to one basis without bunching with any other transaction. The Customer may remit funds through a request to Branch or directly through Internet Banking services. The time schedule for making Transaction is as below : RBI Settlement Timings R-41 (Customer) 9.00 am to 4.30 pm 9.00 am to 1.30 noon R-42 (InterBank) 9.00 am to 6.00 pm 9.00 am to 3.00 pm

Weekdays Saturday Through CBS

Weekdays Saturday

R-41 (Customer) 9.00 am to 4.00 pm 9.00 am to 1.00 noon

R-42 (InterBank) 9.00 am to 6.00 pm 9.00 am to 3.00 pm

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Through Internet Banking Weekdays Saturday 9.00 am to 3.45 pm 9.00 am to 12.45 noon

Minimum/Maximum Amount of Funds: For customer transactions RTGS can be used for remittance of minimum Rs. 2 lac*. (* Limit changed w.e.f. 15.11.2010). Maximum No limit. PNB House, Mumbai is the Nodal Office for receiving/transmitting RTGS messages to/from Reserve Bank of India Cancellation of Requests: Cancellation requests can be accepted from customers for only those transactions that are pending for settlement. The status of such transactions can be known from the RTGS/NEFT System. All our branches are enabled for undertaking RTGS Transaction d) USP of Product in the Market Our Bank is a Full RTGS Member and is therefore eligible for sending payments from its settlement account to other members of the RTGS system. e) Product price / Charges Service Charges for PNB Insta remit - RTGS Value Band Charges (incl. Service Tax) Starting from Rs. 2 lacs to Rs. 5 lacs Above Rs. 5 lacs Customer Charges Rs. 25/Rs. 27.50 Rs. 55.00

Rs. 50/-

If handling of cash is involved, normal cash handling charges at the prevalent rates would be levied in addition to the normal charges.

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f) List of relevant circulars containing operational guidelines Guidelines on RTGS/NEFT through Internet banking is issued vide ITD CBS circular no. 5/2009 dated 15.1.2009 Guidelines on RTGS/NEFT for Inward and outward message for NRE/NRO is issued vide ITD circular no. 64/2009 dated 10.8.2009 Guidelines on Usage of RTGS/NEFT Revised Service charges is issued vide TBD circular no. 9/2011 dated 21/01/2011 g) Any other important input Help desk For any query related to RTGS transactions, customers can contact at Mumbai on 022 22627519, 022 22627526, 022 22627523 and also on email at bo0062@pnb.co.in & Delhi at Treasury Division at 011261981242, 26194381.

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