The product will be offered in 4 variants as under:- A) Central Government Salary Package — Silver B) Central Government Salary Package — Gold C) Central Government Salary Package — Diamond D) Central Government Salary Package — Platinum CENTRAL GOVERNMENT SALARY PACKAGE Annexure | (Base Rate: 9.25 %) Silver Gold Diamond Platinum’ Eligibility — Personnel below | Class |officers | Under Secretary, | Director, Joint Class | Officer Joint Director, Dy. | Secretary, like Peon, Secretary Additional Subordinate Staff Secretary, etc. Special Secretary, Cabinet Secretary Min. Balance Required NIL NIL NIL NIL Lifetime Unique Account Available Available Available Available Number (UAN) ATM cum Debit | Free. Free. Free Free Card Unlimited number | Unlimited number | Unlimited number | Unlimited number of transactions, | of transactions. | of transactions. _| of transactions. Silver Gold Gold International | Platinum International International Debit Card. International Debit Card. Debit Card. (MasterCard) Debit Card. (MasterCard) No annual No annual No annual No annual maintenance maintenance maintenance maintenance charges. Charges charges charges. Add on card free of cost for joint account holder. Rs 50,000 purchase limit for Point of Sale/ Merchant Establishments Complimentary Personal Accidental (Death) Insurance cover of Rs.1 lac Add on card free of cost for joint account holder. Rs 2 lacs purchase limit for Point of Sale/ Merchant Establishments Complimentary Personal Accidental (Death) Insurance cover of Rs.4 lac Add on card free of cost for joint account holder. Rs 2 lacs purchase limit for Point of Sale/ Merchant Establishments Complimentary Personal Accidental (Death) Insurance cover of Rs.4 lac ‘Add on card free of cost for joint account holder. Rs 2 lacs purchase limit for Point of Sale/ Merchant Establishments ‘Complimentary Personal Accidental (Death) Insurance cover of Rs.5 lac.Transactions at ATM Any number of transactions subject to a maximum limit of Rs.40,000/- per day. Free at all SBI ATMs Cash withdrawal up to Rs.10,000/- each from ATMs of banks other than SBI more than five times in a month will attract levy of service charges ‘Any number of transactions subject to a maximum limit of $ 1,000 per day (Rs.50,000/- in India) for International Gold Card Free at all SBI ATMs Cash withdrawal up to Rs. 10,000/- each from ATMs. of banks other than SBI more than five times in a month will attract levy of service charges ‘Any number of transactions subject to a maximum limit of $ 1,000 per day (Rs.50,000/- in India) for International Gold Card Free at all SBI ATMs Cash withdrawal up to Rs.10,000/- each from ATMs of banks other than SBI more than five times in ‘a month will attract levy of service charges ‘Any number of transactions subject to a maximum limit of $ 2,000 per day (Rs.1,00,000/- in India) for International Platinum Card Free at all SBI ATMs Cash withdrawal up to Rs.10,000/- each from ATMs of banks other than SBI more than five times in a month will attract levy of service charges as per RBI as per RBI as per RBI as per RBI directives. directives. directives. directives. Internet Free facility Free facility Free facility Free facility Banking offered from SBI. | offered from SBI. | offered from SBI. | offered from SBI Charges Charges Charges Charges applicable to third | applicable to third | applicable to third | applicable to third party sites ike | party sites like | party sites like —_| party sites like Railways etc Railways etc Railways ete Railways etc payable. payable. payable. payable. Core Power (@)Transactions | Free for CGSP | Free forCGSP | Free forCGSP__| Free for CGSP atNonhome | account holder | account holder | account holder | account holder branches (b)Transfer of | Free for CGSP| Free for CGSP| Free for CGSP|Free for CGSP funds between ‘SBI branches account holder, however charges as applicable to beneficiary account holder will be levied for amounts above account holder, however charges as applicable to beneficiary account holder will be levied for amounts above account holder, however charges as applicable to beneficiary account holder will be levied for amounts above account holder, however charges as applicable to beneficiary account — holder will be levied for amounts above Rs.20,000/- Rs.20,000/- Rs.20,000/- Rs.20,000/- Cheque Book | Unlimited, free. | Unlimited, free. Unlimited, free. | Unlimited, free. (Except for bulk | (Except for bulk | (Except for bulk | (Except for bulk requirement for | requirement for | requirement for —_| requirement for EMIs payable to | EMIs payable to | EMls payable to | EMls payable to other banks/ other banks/ other banks/ other banks/ Fis/NBFCs) Fis/NBFCs) Fis/NBFCs) Fis/NBFCs)Multi City Cheque Leaf Cheque Leaf Cheque Leaf Cheque Leaf Cheques charges: NIL charges: NIL charges: NIL charges: NIL (Payable at par atall Branches) | Payment Payment Payment Payment Charges: NIL | Charges: NIL | Charges: NIL | Charges : NIL Easy Overdraft | Rate of interest: | Rate of interest: | Rate of interest: | Rate of interest upto2Month's | 8.25% above |8.25%above | 8.25%above | 8.25 % above Net salary, Base Rate ie. Base Rate ie. Base Rate ie Base Rate i.e. subject tomin | 17.50% p.a. 17.50 % pa 17.50 % pa. 17.50 % pa residual service | currently. currently. currently. currently of 6 months. Overdraft limited | Overdraft limited | Overdraft limited | Overdraft limited to2month’s Net | to2 month's Net | to2 month's Net | to 2 month's Net Salary. Salary. Salary. Salary. ‘Adjusted from the | Adjusted from the | Adjusted from the | Adjusted from the next salary (ies) | next salary (ies) | next salary (ies) | next salary (ies) within a period of | within a period of | within a period of | within a period of 6 months. 6 months. 6 months. 6 months. Can be converted | Can be converted | Can be converted | Can be converted intoa personal | intoapersonal | into apersonal __| into a personal loan on oan on loan on loan on application, application, application, application, repayable within | repayable within | repayable within | repayable within 60 months at 60 months at 60 months at 60 months at attractive rates of | attractive rates of | attractive rates of | attractive rates of interest. interest. interest. interest. Draft Issue — Number of free drafts per month with a ceiling of Rs 50,000/- on each draft and only if issued 2 2 2 2 through transfer from CGSP Account, (Not applicable for cash entries This will be manually monitored.) RTGS/NEFT | Free Free Free Free Preferential allotment of Available Available Available Available Lockers Concession in 25 % as locker charges | jy) al i applicable for SBI VisheshUtility Bill Free of Cost Free of Cost Free of Cost Free of Cost Payments (as per the (as per the (as per the (as per the through Intemet | present scheme) | present scheme) | present scheme) | present scheme) Savings Plus | Threshold Threshold Threshold Threshold (Auto Sweep | Amount: ‘Amount: ‘Amount: ‘Amount: Facility) Rs.15,000 Rs.15,000 Rs.15,000 Rs.15,000 TDRs/STORs to | TDRs/STDRsto | TDRs/STDRsto | TDRs/STDRs to be created fora |becreated fora | be created fora | be created for a minimum amount | minimum amount | minimum amount | minimum amount of Rs.10,000 (and | of Rs.10,000 (and | of Rs.10,000 (and | of Rs.10,000 (and in multiples of | in multiples of |__| in multiples of |_| in multiples of Rs.1,000) in any | Rs.1,000) in any | Rs.1,000) in any | Rs.1,000) in any one instance. ‘one instance. ‘one instance. ‘one instance. a upof | Free Free Free Free Passbook ‘Available for all__| Available for all__| Available for all__| Available for all accounts. accounts. accounts. accounts. Free updating at | Free updating at | Free updating at_| Free updating at Non Home Non Home Non Home: Non Home Branches Branches Branches Branches Interest 25 bps less than | 25 bpsless than | 25bpsless than | 25 bps less than concession on | the card rate. the card rate the card rate. the card rate. Home Loan interest 50 bps less than | 50 bpsless than | 50 bpsless than | 50 bps less than concession on | the card rate. the card rate. the card rate. the card rate. Car Loan Concession in margin on Home Loan, 5% 5% 5% 5% Car Loan (New Cars only) ‘Maximum Loan Amount for Home Loans will be decided by stipulated Loan to Value Ratio (LTV):~ Home Loan Amount | Loan to Value (LTV) Ratio for construction linked disbursement ‘House Under Construction | House Ready for Possession ‘Loan up to Rs. 20 lacs £08 oe Loan above Rs. 20 lacs Be bd eZ trade (3-in- 4* year Demat 1 year Demat 1* year Demat ‘one account: demat, share Account opening | Account opening | Account opening st ‘year Demat | Charges waived | Charges waived | Charges waived Account opening trading and Savings A/c) Charges waived SBI Vishesh Not Available | Not Available Not Available Available StatusMobile Banking Free Free Free Free Gold Coin 1% concession on card rate for purchase of 2, 4, 1% concession on card rate for purchase of 2, 4, 1% concession ‘on card rate for purchase of 2, 4, 1% concession on card rate for purchase of 2, 4, ae 20 and | B5. 10, 20 and 60 2820, 20 and 38.10, 20 and denominations _| 9™ denominations | enominations | denominations ‘1Proposed Interest rate concession Annexure II (Base Rate: 9.25 %) 1 [Interest Rates Card Rates Proposed Concession i Housing Loans Floating Interest Rates Up to & incl. Rs.30 lakhs 1.00 % p.a. above Base Rate. | 25 bps below the Current Effective rate: 10.25% | applicable card rate on p.a. ‘the date of sanction Above Rs.30 lacs and up to | 1.25 % p.a. above Base Rate. 25 bps below the Rs. 75 lacs Current Effective Rate : 10.50% | applicable card rate on p.a. the date of sanction Above Rs.75 lacs 1.75 % p.a. Above Base Rate. 25 bps below the Current Effective Rate: 11.00 % | applicable card rate on p.a. ‘the date of sanction iv | Car Loans New Cars only Floating Interest Rates SBI Advantage Car Loan | 2.25 % p.a. Above Base 50 bps below (Loan amount less than _| Rate. Current Effective Rate: | the applicable card rate Rs.5 lacs) 11.50 % p.a. on the date of sanction SBI Advantage Car Loan | 2.25 % p.a Above Base 50 bps below (Loan amount Rs. 5 lacs | Rate. Current Effective Rate: | the applicable card rate and above) 11.50 % p.a. on the date of sanction ii | Xpress Credit As per card rate 50 bps below the applicable card rate on the date of sanction Margin 2. | Housing Loan * Up to % 75 lacs 20% 15% Above ® 75 lacs 25% 20% Car Loan 15% 10% * The maximum Home loan amount shall however be determined by the stipulated LTV Ratio. For house under construction as well as house ready for possession the LTV linked to disbursement shall be : For loan up to Rs.20 lacs 90 % For loan above Rs.20 lacs__: 80 % 3 | Processing Charges Housing Loan Car Loan At rates applicable to various slabs 0.50% 25 % of applicable Card rates Rs 500 per applicationXpress Credit 1.00% 50 % of applicable Card rates Security Mortgage of property for _| Waiver of interim security housing loan in case of delayed mortgage where check off is available Mode of repayment Check-off facility) Standing Instructions on Salary Account with 6 post dated Cheques.Annexure IV. ‘The Branch Manager State Bank of India Branch Dear Sir, CENTRAL GOVERNMENT SALARY PACKAGE ~ CGSP REQUEST FOR CONVERSION OF SB ACCOUNT TO CGSP - ACCOUNT AND AUTO SWEEP FACILITY | maintain a Saving Bank account with your branch and the account number is ll am presently employed as. with and my employee’ personal Number is . My present address is appended below which may please be incorporated in your records for which | am enclosing a certiicate/ letter issued by my employer. | request you to accept it for opening the savings account. In addition | am enclosing a copy of (any one of Passport, driving licence, PAN Card, Voter's identity Card, etc. or utility bills such as telephone bill, Bank account statement, Electricity bill etc.) satisfying the KYC norms as prescribed by your Bank/ RBI. 2. In this connection | request that my existing account be converted into a Central Government Salary Package account with all its special features 3_As regards converting my account to Savings Plus account: (Please tick in the appropriate box) a. | do not wish to avail of this facility OR 'b, | request you to convert my savings account into a Savings Plus account. In case the response is b: | request you to allow me auto-sweep facility in the said account, should the balance in my account exceed Rs. (please indicate an amount of Rs.25,000/- or above) as at the end of the day of (please tick) ‘On weekly basis, each day (e.g. Monday or Tuesday or .....etC), every week. On monthly basis (e.g. 1* or 2” or 3" or ..... etc) of every month beginning from (ddimm/yy) | authorise you to transfer the excess amount to a Multi Option Deposit (TD/STD) (please tick) for a period of month/ year(s). | understand that this auto sweep will be done for a minimum amount of Rs.10,000/- and in the multiples of Rs.1,000/- at any one instance. Further, under the reverse sweep facility for breaking of Multi Option Deposit, | authorise you to break the Multi Option Deposit by following the principle of (please tick) “Last in First Out” OR “First in First Out’. . | confirm that | have read and understood the Te:ms and Conditions of Savings Plus Account. Payment of proceeds, as well as nomination for the term deposits so made would be as per my/ our Savings Plus Account with you, by debit to which the Multi Deposits would be created. 4, Since | am presently posted at / is being posted to | request that my account should be transferred to Branch of SBI for ease of operation. (Strike out if not applicable), Yours faithfully, Name: Address Date Place: