Credit by runout

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									                                            Credit Related Services:

Sl.                             Nature of                 Southeast Bank                               Existing
        Type of Services
No.                             Charges                       (Existing )                        ( as on 14.07.2009)
                                            i) Rent on Borrower’s A/C                    i) Rent on Borrower’s A/C
                                            ii) Insurance – on Borrower’s A/C            ii) Insurance – on Borrower’s A/C
                             Borrowers      iii) Salary & allowance of Godown staffs –   iii) Salary & allowance of Godown
                             Godown under on Borrower’s A/C                              staffs – on Borrower’s A/C
                             Bank’s custody
                                                                                         iv) Maintenance of Godown – on
                                                                                         Borrower’s A/C
      Godown charge /
1                                                                                    i) Rent- Actual rent for floor space
      Warehouse charge                         i) Rent- To be realized from borrowers
                                                                                     occupied plus 75% to meet other
                                              proportionately for their occupancy
                                                                                     maintenance cost
                             Bank’s Rented ii) Insurance –To be realized from         ii) Insurance –To be realized from
                             Godown        borrowers proportionately                 borrowers proportionately
                                            iii) Salary & allowance of Godown staffs iii) Salary & allowance of Godown
                                           – To be realized from borrowers           staffs – To be realized from
                                           proportionately                           borrowers proportionately
      Issuance of Delivery
      order (against delivery                                                            Tk. 25/- per delivery plus actual
2                             Charge                              _
      of goods from Bank’s /                                                             conveyance.
      Borrower’s Godown)
                                                                                     Commission @ maximum 0.60%
                                                                                    (minimum 0.25%) per quarter or
                                            Commission @ 0.60%' per quarter or      Tk.1000/- which ever is higher.
      Issuance of Bank       Commission / Tk.1000/- whichever is higher. When       When 100% cash margin is provided
3
      Guarantee              Service Charge 100% cash margin is provided Tk. 500 is Tk. 500 is to be realized for one
                                            to be realized for one time.            time. (Maximum-Minimum to be
                                                                                    decided on the basis of internal
                                                                                    credit rating.)

        Issuance of Bank                        Stamp Charge at actual on borrowers      Stamp Charge at actual on
4                            Stamp Fees
           Guarantee                                        account.                     borrowers account.
      a) Documentation                                                                   At actual on borrowers account Plus
      Charges (Mortgage of                                                               Service Charge - For up to Tk.5.00
      Lanaded                                                                            lac---Tk. 300/-, for above Tk. 5.00
                           Charge                                 _
      property/Creation of                                                               lac to 25.00 lac 1000/-, for above Tk.
5
      Charge/other Bank's                                                                25.00 lac to 1.00 crore - 2000/- &
      FDR/Shares etc.)                                                                   above Tk. 1.00 crore - 3000/-
      b) Cash Collatoral
                             Charge                                                      At actual
      (Bank's own FDR)
      Enlistment Fees of
6                            Commission                                                  Tk.5000/- as fee for fresh enlistment
      C&F Agent
                                              Up to 50000/- Tk. 250/-                      0.50% on approved loan amount
                                              Above 50000/- to 5.00 lac Tk.500/-         (for all fresh sanction & renewal of
                                              Above 5.00 lac to 25.00 lac Tk.1000/-      credit facilities).
                                              Above Tk. 25.00 lac 50.00 lac Tk. 1500/-
       Loan Processing Fee
7     (For new/renewal       Fees / Charges
      Loans)
      Loan Processing Fee                                                                       Note: 1. No Loan Processing
7    (For new/renewal          Fees / Charges                                                   fee to be realised against
                                                Above Tk.50.00 lac to Tk. 1 crore
     Loans)                                                                                     loans covered by cash
                                                Tk.3000/-
                                                                                                collateral of Southeast Bank.


                                                above Tk. 1 crore to Tk. 5 crore Tk.6000/-
                                                 above Tk. 5 crore Tk.10000/-
                                                 Note: 1. Loan Processing fee to be realised 2. If the proposal is declined no
                                                other than loan amount covered by cash       processing fee shall be realized.
                                                collateral.

                                                2. In case of renewal 50% of the precessing
                                                fee to be realised.

                                                 3. If the proposal is declined no processing
                                                fee shall be realized.

8    Front end Fee             Fees / Charges 1% on approved loan amount                         No front end fee.
                                                                                                 0.50% on undisbursed amount
      Commitment Fee on
9                              Fees / Charges @0.25% on undisbursed amount
     undisbursed amount

10   Prepayment charges        Fees / Charges @0.25% on the prepaid amount                      @0.25% on the prepaid amount

      Consumer Credit          Loan
                               Processing                         Tk.500/-                      Tk.500/-
     Scheme/ Supervised
11   Credit Scheme/            Fees
                               Service
     Education                                  1% on approved loan amount                      1% on approved loan amount
                               Charge
     Loan/Personal Loan
                               Risk Fund        1% on approved loan amount                      1% on approved loan amount
                               Loan
                               Processing                         Tk.1000/-                     Tk.1000/-
12   Car Loan                  Fees
                               Service
                                                1% of approved loan amount                      1% of approved loan amount
                               Charge
                               Risk Fund        2% of approved loan amount                      2% of approved loan amount
      All loan accounts(eg
     time loan , Term loan,
     TR ,Overdraft, PC, LIM,
     BLC, Demand loan,                                                                           Tk. 1000/- half yearly on each A/C
     FBP, Bai- Muajjal-         Service
                                                                                                (for rural branches Tk. 500/- half
     investment, Murabaha-     Charge/
13                                              2% on approved loan amount.                     yearly)
     investment, Hire          incidental
     purches-Investment        charges
     Quard againest MTDR
     etc.) except CCS and
     SHBL having limits Tk.
     1 lac and above
      Disburesment of Loan
     pending documentation
14                             Charge                                                           1% on the disbursed amount.
     formalities subject to
     HO approval.
      For any excess over
     limit in OD A/C(Any
15   withdrawal with HO        Charge                                             1% on excess over limit
     approval/Application of
     intt.etc)
                                                                                   1% on loan amount (Plus prevailing
16   Forced/Demand loan        Charge
                                                                                  Interest rate)
                                                                                      1% Penal Interest / Profit :
                                                                                  1) On overdue component as
                                                                                  follows :
                                                                                  a) On entire outstanding of OD / TR
                                           1% Penal Interest on the outstanding   / BLC / Demand Loan / Forced Loan
      Penal Interest on all                                                       / Time Loan etc.
                                           amount of all overdue Loans.
17   expired Loans,            Charge                                             b) Excess in OD/Time Loan/TR
     Advances & Overdraft                                                         c) Overdue installments of Term
                                                                                  Loan
                                                                                  2) Rescheduling / restructuring /
                                                                                  time
                                                                                  extension henceforth.

      Bank's prescribed
     Application Form for
18   Request for Credit                                                           Tk. 250/-
     Facility (Other than
     CCS,SHBL)
     Supply of Credit Report
     & verification of
     customers loan/ Deposit
                                                                                  Tk.2,000/- per statement
19   a/c statement for the        Charge
     purpose of taking loan
     from other Banks

								
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