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tI,CICI Bank ....

October 4,2000

Ref: lBANK\MUM\RO\A0\Es\204

Mr. R. R. BawkarMIDCMahakali RdAndheriMumbai.

Attn: Mr. Bawkar,

Sub: Power Pay Account Scheme for the employees of MIDC.

With reference to your discussion with Mr. Durgcsh from Esscorn Marketing who IS

our Direct Sales Associate, please find below inc tc atures of Power Pay ·\ccounl -our salary scheme.

Benefit to the Company

Single Cheque Clearance

The salary accounts will be opened at NODAL Branch i.e. Andheri, but can beaccessed by the employees at any location of their choice. The company has to issuea consolidated single cheque for all its employees having account with us along witha floppy and a hard copy which has details of employees salaries. The same wouldbe deposited at a designated branch, which would he the NODAL Branch. It wouldget the cheques cleared and_an'angc to crcu.: till; employees accounts.--.. .1-- __ .'4 •. , _

Benefits to the employees

A )Hassle Free Account Opening

The Bank's representative agents wi l: Visit your office to complete all theformalities (including taking photographs) for opening their account at our Branches.

B) Waiver of Average Quarterly Balance Requirement

Normally the quarterly average balance requirement kr all savings account holdersis Rs.5000. However, there will be 110 minimum balance stipulation for youremployees. .------------

ICICIBank UmitedZenith House. 3rd Floor. Tel r,·,!.'Keshavrao Khadvs Marc. 1'3)0' ,.1Mahalakshmi, Murr,bsl 400034 1r.:e;Ttc, ',: ,I:;India

c.orporate l~)r!<c .,-,:j;,~" '(F/'/er

:;:h hu:'r. t~a'l(~ra·h.I;:, .,': ,Ie", M' ·mba' 400051. Irl':1;2.

., .... '.. ,,.. .•.• ,.. .." ~ .•.•... ~.-.

tllCICI BankC) Free A TM Cards

Under the scheme, free ATM card~ will he issued tl) employees and ,oInt accountholders. which will enable them to withdraw caS1l: deposit chequeS/cash, get a rTiinT

-account statement and request for cheque books. The withdrawal limits is Rs15000or the account balance, whichever is lower, from anY-l~JM of the Bank. The cardcan also be used to transfer funds between linked aceounts.-~

D) Location of ATMs

We currently have 103 offices, 273 ATMs spread across 47 centers in 17 states.

E) Offices in Mumbai/Thane District

In Mumbai/Thane we have 20 branches and 55 ATMs. We have ambitious plans toset up more ATMs in the coming months.

F) Anywhere Banking

Under our Anywhere Banking facility. the employees can conduct the followingtransactions at any of our branches:

\BalanCe enquiry. Cash withdrawaL upto Rs 50.000. Deposit cash upto Rs 50,000,Deposit of cheques and statement of accounts.

G)lnfinity-lnternet banking (www.icicibank.com)

We also offer free of cost Infinity. our Internet Banking facility, to enable youremployees access all their accounts with the Bank in the comfort of their office/home. The facilities offered under Infinity are as under:

I.Balance Enquiry2.Fund transfers to own account or other account holders of ICICT Bank3.BSES Bill Payment through Net. The following are the bill Payment facilitiescurrently available:

All India IeICl Credit CardMumbai MTNL, BEST. BPL Mobile, Orange and BSESDelhi Airtel & Essar Cell phoneHaryana, West UP, Kerala EscotelHyderabad Tata Tclcscrvjces and Tata CellularChennai. Skyccll & RPG Cellular BSES Bill Payment through Ner,

4.1ntimation of loss of ATM card5.Stop payment request

" ICICI Bank.. -- --

- .. ---.. - - .

6.0pen Fixed Deposit / Recurring D(~l" )..;!l

7.Apply for Quantum Optima8. Payment of ICICI Bank Credit Card hi lis

H) Phone Banking (now only ill Muntbai)

We have a state - of - the-art Call Centre set up in Mumbai which offers you thefollowing facilities:

l.Balance enquiry2.Mini Statement of account - upto last five transactions3.Cheque book request4.Request for a draft5.0pen a fixed deposit by debit to account6.Set up Standing Instruction on the account

I) Pass Sheet

All account holders would he sent a P;\'~ sheet once il month

J) Quantum Optima - a value added savings account

To enable the employees to manage their funds better, we also offer our QuantumOptima scheme, which is, in fact, a value-added Savings Bank Account. The schemeis explained as under:

> The idle balances in savings account which were earning just 4% earlier, will" r now earn the interest at FD rates. ~alances o~r and above Rs.5,OOQ in Savings/l account get automatically transferred to one year FDs in units of Rs.5,OOO> Any debit in Savings Bank account, above the maintained balance, is met

through withdrawal of FD in multiples of Rs.I.OOO, keeping minimum balance ofRs.5,OOO in SB account.

> The rate of interest currently beingoffered Cor I year FD is 10.2:;%. The rate issubjectto change from time to time.

\ '. > There is no penalty for premature withdrawal if the amount of any single deposit_" is less than Rs 15 lacs

> No Overdraft facility is available \',';111 Quantum Optima

K) Free Remittances

Remittances including Demand Drafts. :':lY Orders and Funds transfer upto Rs 250~.per occasion (within the network of the; Bank), free of cost.

,.

"

" ..,

,, ,

(lICICIBank ....~.--- .._._-----------_ .•... --~- .._-._- ... -----. ------- ..--._._--,- ---------_._--.. ------------._,---------.-

o L) ~ility (for those not opting for Quantum Optima)

An overdraft facility under Power Pay Scheme is available for ordinary SavingsBank account. This OD facility is not available for those opting for Quantum Optima= the value added savings bank account ( .I above), Overdraft facility is available tothe extent of 50% of the net salary nedllcd to their salary account the previousmonth, This overdraft will be made ;lV;I;!;lbic after the employee gives hIS mandatefor the same and can be drawn by cheques on SR account. The overdraft would getadjusted with the next month's salary credit. The current rate or interest for thisservice is 19.5 % p.a.

M) Personal Loans

Our associate company, ICICI PFS Ltd has introduced asset products like Personalloans. Auto Loans, Home Loans and Consumer Durable Loans. They would be gladto consider these facilities to your employees, subject to eligibility.

N) Credit Cards

We have recently introduced, in Murnbai, Credit Cards with Internet Access, the firstof its kind in India. The details of the same are as under ;-

Type of Card Joining FeeTrue Blue Rs.100 .-Sterling Silver Rs.150

-Solid Gold * Rs.300

* Solid Gold is anInternational Card.

Annual Fee Salary EligibilityRs.300 Rs.60,OOO p.a.Rs.600 Rs,60,OOO p.a.Rs.1200 I Rs, I,20,000 p.a

I JWe look forward to a long andrnutuully beneficial relationship between our twoorganisations. Should you need any clarifications, please feel free to call me on491 3000,

Yours sincerely,

~tClifford PintoDeputy Manager - Retail BankingMumbai.

------.----------------------~---------------

.A/'-' ICICI Bank

List of Branches and r\TMs in \/lumhai / Thane

Mumbai

Branches with ATM, Stand alone ATMs (offsitcl

Nariman PointBackbay Reclamation *Mahalaxmi - Zenith House *Maratha Mandir*PrabhadeviDadarGhatkopar(E)PowaiBandra Kurla Complex-2*Andheri (W) -2Borivali (W)

King's CircleJVPDHPCL - Hodiwala & Bathena(Next to Ritz Hotel) - ChurchgateHPCL Chagan Mitha - MetroHPCL Chagan Mitha Warden RdHPCL India Garage - WorliHPCL Lucky Auto - Shivaji ParkHPCL Hind Auto - MahimHPCL Patil Service(S.V.Road - AndherirW)HPCL Fairdeal - Vile Parle(W)HPCL Jeevan Service Station(Near Apna Bazar - Andheri)HPCL Sachdeva AutoMobiles(Malad -W)Opp.IIT PowaiGodrej SoapsMumbai Airport Terminal 1 ADadar (W) .Chappel Rd Bandra (W)HPCL-ZojwalaPetrolPumpMulund (W)

(* EXTENTION COUNTERS)

Thane

Thane BranchMira RoadBhayendarVasaiDombivaliPalgharBoisarDah~u ~Note i- 1) Following Branches/ Extent ion Counters are planned for the next monthsKandivali (W), Malad (W), MIDC Andheri (E), Vashi, Mahape (Navi Mumbai)2) We also plan to have additional 50 A'TMs in Murnbai / Thane in nex t one year.

Brindavan - Thane (W)Vasant Vihar - Thane (W)Anand Cinema - Thane (E)Mira Road Station