1. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 1 Confidential – Oracle Internal

2. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 2 Confidential – Oracle Internal Accelerator Pack FCUBS 12.1 To fill a shape with an image. 1.Use existing picture box, DO NOT delete and create new picture box. 2.Right click on the shape. 3.At the bottom of the submenu select “Format Shape” 4.Select “Fill” at the top of the “Format Shape” dialog box. 5.Select “Picture or Texture fill” from the options. 6.And select “File” under the “Insert from” option. 7.Navigate to the file you want to use and select “Insert” 8.On the “Format” tab, in the Size group, click on “Crop to Fill” in the Crop tool and drag the image bounding box to the desired size 9.DELETE THIS INSTRUCTION NOTE WHEN NOT IN USE Interest & Charges

3. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 3 Confidential – Oracle Internal Program Agenda  IC– Introduction  IC– Products

4. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 4 Confidential – Oracle Internal IC – Introduction

5. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 5 Confidential – Oracle Internal Introduction  Introduction IC module of FLEXCUBE is used to process the Interest and Charges.  Brief info on Functional / Operations feature  Calculating Interest  Calculating Charges on Different Basis.  Interest Collection Methods – Bearing, Discounted and True Discounted  Interest Rate Type – Fixed Floating and Special

6. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 6 Confidential – Oracle Internal Introduction Charges Charge Collection – The system can calculate the charges on different basis

7. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 7 Confidential – Oracle Internal IC– Products

8. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 8 Confidential – Oracle Internal Standing Instructions – Products  List of all the Pre-shipped products  ICUL interest on saving & current bank accounts for corporate customer  IOCC interest on current account for corporate customer  IOCP debit interest on current accounts  DICP debit interest on current account  IDSR interest on saving & current bank accounts for retail customer  IOSR interest on saving & current bank accounts for retail customer  ODID Overdraft Interest for Line Accounts  IBSR Interest on Staff Accounts

9. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 9 Confidential – Oracle Internal Standing Instructions – Products  List of all the Pre-shipped products  ICPO – Debit Interest on Overdraft Accounts  INRL – Interest Rule Based on Monthly Minimum Balance  IODB – Debit Interest Product for Overdraft with TD Linkage  NMSC – Adhoc Statement Charge  PEN2 – Penalty Interest on Notice Accounts  TRCH – Turnover Charge  UCHG – Charge based on utilization  UNCG – Charge Based on Unutilziation

10. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 10 Confidential – Oracle Internal Standing Instructions – Products  List of all the Pre-shipped products  YCRT – YTD Credit Turnover  YDRT - YTD Debit Turnover  YNET – YTD Net Turnover  YTCH – Year to date no of transactions  CHAV – Charge on Breaching Minimum Required average balance  DRTC - Debit Turnover

11. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 11 Confidential – Oracle Internal Standing Instructions – Products  List of all the Pre-shipped products  CRTC credit turnover  ITCH number of transactions  DCBL Debit Card Blocked  DCIS Debit Card issued  DOCH Dormancy Charge  FACC Facility Creation Fee  FAEF Facility Expiration Fee

12. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 12 Confidential – Oracle Internal Standing Instructions – Products  List of all the Pre-shipped products  FAIF – Facility Increase Fee  FARF – Facility Renewal Fee

13. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 13 Confidential – Oracle Internal

14. Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 14 Confidential – Oracle Internal