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7.  For Employee and newly join employee with banking experience,
                 the period of work in banking industry shall be recognized and
                 counted as years of service to get annual leave.
              8.  If Employee wishes to take beyond the allowable limit, prior
                 approval from the Management is required.
              9.  Leave balance must be taken within the calendar year in which
                 the leave is earned and should all be spent at the latest by March
                 31 of the next calendar year.
              10. If the Employee concerned does not make use of his/her leave
                 balance by March 31 after the leave is due, because of reasons
                 not specified or instructed  by the Bank, then such right is
                 forfeited.
              11. New Employee in probation period is not  entitled to taking  an
                 annual leave.
              12. Upon the successful  completion of his/her probation, his/her
                 leave entitlement shall be calculated from the first day of joining.
              13. According to its purpose, annual leave cannot be exchanged or
                 traded for  cash  payment unless in the  case of employment
                 termination upon the request of either the Employee or the Bank.
              14. Employee who  wishes to take his/her annual leave must apply
                 leave application through Human Resoure information system (HC
                 Plus) and obtain approval from his/her superior at the latest 1 day
                 before.
              15. Should an employee wish to take a leave for at least 5 working
                 days or longer, he/she must apply leave application in Human
                 Resoure Information  System (HC Plus) to obtain approval from
                 his/her superior 5 working days in advance.
              16. Should an  Employee take his/her leave  without prior written
                 approval, then he/she will be considered taking sudden leave that
                 will affect his/her performance appraisal. Except in an emergency
                 situation and should not exceed 1 working day that is
                 unaccounted for, and supported with written evidence, such as
                 the death of a sibling, force majeur /natural disaster, responding
                 to an official call-up from a government institution.

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