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Nt bank charges will be recovered at actual. For funds transfer, applicable correspondent bank charges will be recovered either at the time of transaction origination or at the time of receipt of funds by the beneficiary. d) Courier charges and postage may be recovered, where applicable. e) Charges relating to corporate, SME and commercial customers may differ as a result of an agreement between the concerned customer and the Bank. f) Average monthly balance is defined as the average of each day.

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