- The bank was established in 1923 with a paid up capital of Rs. 1 lakh and has since expanded to over 2,000 branches across India. - In the first quarter of 2009-2010, the bank's net profit jumped 230% to Rs. 256 crores and total business grew 26% to Rs. 1,05,280 crores, with strong growth in deposits and retail loans. - The bank offers a wide range of deposit schemes and loan products for individuals and businesses, and is focused on financial inclusion through programs like its "no-frills" savings account.

5. VISION & MISSION

10. AB Abhaya Gold SB A/c Eligibility Individuals, either single or joint Age Limit 5 to less than 70 years Insurance cover Rs. 1,00,000 /- per person Risk Covered Risk is covered only due to accident In case of Death Rs. 1,00,000 /- Disability: a) Permanent Rs. 1,00,000 /- b) Partial Rs. 50,000 /- Premium/ Service charges Rs. 65 /- per person per annum (subject to changes every year) Periodicity The insurance charges are to be collected at the time of opening the account and on 31st October every year Insurance Year 1st November to 31st October every year Claim Information The information should be given within 90 days directly to the bank branch where the account is maintained. Claim Submission The claim document should be submitted within 180 days from the date of accident/ death to the bank branch. Value additions Cheque books/ International Debit card/ 24 hour ATM facility/ Utility payments through ATMs/ Instant Fund Transfer/ Any Branch Banking.

11. AB Abhaya SB A/c Eligibility Individuals, either single or joint Age Limit 5 to less than 70 years Insurance cover Rs. 25,000 /- per person Risk Covered Risk is covered only due to accident In case of Death Rs. 25,000 /- Disability: a) Permanent Rs. 25,000 /- b) Partial Rs. 12,500 /- Premium/ Service charges Rs. 18 /- per person per annum (subject to changes every year) Periodicity The insurance charges are to be collected at the time of opening the account and on 31 st August every year Insurance Year 1 st September to 31 st August every year Claim Information The information should be given within 90 days directly to the bank branch where the account is maintained. Claim Submission The claim document should be submitted within 180 days from the date of accident/ death to the bank branch. Value additions Cheque books/ International Debit card/ 24 hour ATM facility/ Utility payments through ATMs/ Instant Fund Transfer/ Any Branch Banking.

14. Cont…. 9. Can a person include his Family members in the Scheme? Yes. By opening a joint account and on payment of premium applicable for each joint account holder. 10. What is the premium payable? The premium is payable per annum according to three Age Groups: Age Group Premium Payable 18-35 216/- 36-50 372/- 51-55 732/-Apart from premium, a nominal Administrative Charges @33/- with Service Tax 12.24% per account is charged 11. What is the Insurance year? The insurance year is from 1 st December to 30 th November every year 12. What is the claims procedure? Intimation of death to be given to the Insurance Company within 90 days and the duly filled in claim form along with necessary documents to given to Insurance Company within 180 days through our Bank. 13. What are the Documents to be submitted to Insurance company? In case of Normal Death: Death Certificate In case of Accidental Death: Death Certificate, FIR Report , Final Report & Post mortem report. 14. What are the Special features of the Scheme? The premium paid by a person is a special rate offered under the Group Life Insurance Scheme and would be much more for the same policy if taken as an Individual policy. 15. Lien Clause Lien of 45 days is operative under AB Jeevan Abhaya/AB Jeevan Abhaya Special Account. i.e. if death occurs within 45 days of opening of account, claim shall not be payable . However, this clause does not apply in case of death due to accident.

47. Service charges Transfer of funds Exchange PER AMT MIN Up to Rs.10,000/- 25.00 Above Rs.10,000/- and up to Rs.1.00 lac 1.00 1000 25 Above Rs.1.00 lac and up to Rs.5.00 lacs 0.75 1000 100 Above Rs 5.00 lac and upto Rs 10.00 lacs 0.60 1000 375 Above Rs.10.00 lacs and up to Rs.50.00 lacs 0.50 1000 600 max 2500