Schedule of Benefits

For Non-Resident Indians

Services Demand Drafts Drawn on own branches in India Cancellation Drawn on correspondent bank locations Drawn on SBI location (min. Rs. 50, max. Rs. 8,000) Foreign Currency Demand Drafts Cheque Collection Outstation cheque drawn and payable in India (Rs. per instrument) Up to and including Rs. 5,000 Above Rs. 5,000 and up to and including Rs. 10,000 Above Rs. 10,000 and up to and including Rs. 1,00,000 Above Rs. 1,00,000 Foreign Currency cheques payable outside India (min Rs 150, max Rs 5000) Doorstep Banking in India1 Courier pick up and delivery (non cash) (Rs 25 per additional transaction) 1 per day free Demand Draft Delivery (Rs 50 per additional transaction) ATM and Debit Card Services International / Premium Debit Card annual fees Gold / Premium Plus Debit Card annual fees Debit Card spending limit per day ATM Cash withdrawal limit per day Supplementary Debit Card annual fees Supplementary Debit Card spending limit per day Replacement of Debit Card Cash Withdrawal at Cirrus/MasterCard ATMs in India (Rs 20 per additional transaction) Cash Withdrawal at Cirrus/MasterCard/Maestro ATMs outside India Balance Inquiry at MasterCard/Cirrus ATMs in India Balance Inquiry at MasterCard/Cirrus/Maestro ATMs outside India Statement of Account Monthly E-statements Monthly physical statements Payee narration on statement (per month) Duplicate/ad-hoc statement Remittances3 Inward Remittances (through wire transfer) Outward Remittances (through wire transfer) RTGS Transactions (payment/collection) NEFT (payment/collection) 1 per day free Rs. 200 Rs. 400 Rs. 100,000 Rs. 100,000 Rs. 200 Rs. 10,000 Rs. 200 5 per month free Free
2

w.e.f. April,2011
Free Free Free 0.25% Rs. 200

Rs.25 Rs.50 Rs.100 Rs.150 0.25%

Free Rs. 20 Free Free Free Rs. 100 Free Rs. 250 Free Free

Services General Payable at par chequebooks Standing Instructions setup/amendments Stop Payment for individual cheque or a range of cheques Dormant account maintenance charges (per quarter) Cheque issued by you, returned unpaid (charge per instrument) Cheque deposited by you, returned unpaid (charge per instrument) ECS Instruction returned unpaid Copy of cheques paid Foreign currency traveller's cheque issuance Inquiry only Bank by Phone Access ID Interest Certificates (annual) TDS certificates (annual) Duplicate interest certificates Duplicate TDS certificates Confidential Reports Balance Confirmation certificates Signature verification Account maintenance certificate Photo attestation Email/SMS Alert Service IRCTC bookings through NetBanking Account closure within 12 months of account opening Average Daily Balance (ADB) Requirement4 Average Daily Balance to be maintained for single account Service charge if balance maintained is less than Rs. 25,000 per month NRE/NRO Fixed Deposit Minimum first deposit value Subsequent deposit value Minimum deposit value (Booked through NetBanking/Bank by Phone) FCNR Deposit Minimum first deposit value Subsequent deposit value Free Free Rs. 100 Rs. 300 Rs. 350 Rs. 100 Rs. 200 Free 0.5% Free Free Free Rs. 50 Rs. 50 Free Free Free Free Free Free Rs. 10 Rs. 500 Rs. 25,000 Rs. 1,000 per month Rs. 50,000 Rs. 25,000 Rs. 5,000 USD 5,000 equivalent USD 1,000 equivalent

Special Offer
1 2 3 4

Place The Royal Bank of Scotland NRI Fixed Deposit of USD 10,000 equivalent and opt for a Zero Balance Savings Account. The zero balance facility is valid till USD 4 10,000 or equivalent is maintained in the NRI Fixed Deposit account.

24 Hours Bank by Phone

Agra Ahmedabad Bengaluru Chennai Gurgaon Hyderabad Jalandhar Jodhpur +91 92 3551 8472 +91 92 2714 8472 +91 92 4340 8472 +91 44 2822 8472 +91 124 410 8472 +91 92 4620 8472 +91 92 1616 8472 +91 92 1430 8472 Kolhapur Kolkata Lucknow Mangalore Moradabad Mumbai Nasik New Delhi +91 92 2322 8472 +91 33 4434 8472 +91 92 3551 8472 +91 92 4340 8472 +91 92 3551 8472 +91 92 2322 8472 +91 92 2322 8472 +91 124 410 8472 Noida Panipat Pune Salem Surat Tirupur Udaipur Vadodara +91 124 410 8472 +91 92 1550 8472 +91 92 2322 8472 +91 92 8223 8472 +91 92 2714 8472 +91 92 8223 8472 +91 92 1430 8472 +91 92 2714 8472

UAE Toll Free 8000 178647

Visit us at: www.rbs.in/nri

UK Toll Free 080 81015350

NRI/SOB/APRIL11

Service charges for non-maintenance of balance will not be applicable in the month in which the account is opened. Out of pocket expenses like postage, cable, telex, correspondence charges, if any, may be added to the above charges. Only one supplementary Debit Card and Inquiry only Bank by Phone access will be provided to a customer. The Royal Bank of Scotland N.V. reserves the right to assess charges on transactions which are not covered by this schedule and to amend without prior notice the terms and conditions governing services mentioned above and rates stated in this schedule. The charges exclude service tax and education cess thereon. For US individuals US Laws may be applicable. For more information, log on to www.rbs.in Any change in the charge tariff will be applied after a notice of at least 30 days. All transactions involving sale or purchase of foreign exchange will be subject to a charge of Rs. 25.00 per such transaction in addition to the charges stated above. This is exclusive of taxes as applicable from time to time. Doorstep banking facility in India is only applicable in cities where The Royal Bank of Scotland branches are located. Free transaction if minimum Average Daily Balance is maintained on a monthly basis else Rs.120 per transaction will be charged. This is a standard Schedule of Benefits applicable to all NRI clients. With effect from 15th Nov 2010 the minimum value for RTGS transaction is revised from 1 lac to 2 lacs. All the electronic fund transfer below 2 lacs should be routed through NEFT only. RBS N.V. reserves the sole right to add, alter, modify, change or amend the terms and conditions of the present offer. This offer may be withdrawn by RBS N.V. for future bookings at any time without assigning any reason thereto. RBS N.V. reserves the right to provide or reject application for this facility to any of its NRI customers at its sole discretion without assigning reason for the same.