61. The Bank may establish and maintain a fund to be called “Agricultural Credit Stabilisation Fund” to which shall be credited: (a) an initial sum of Taka 25 lakhs to be subscribed by the Government; and (b) appropriation of such amount from the surplus profits of the Bank as may be determined by the Bank in consultation with the Government; (c) the amount in the said Fund shall be applied by the Bank only to the making of loans and advances to apex co-operative Bank repayable on the expiry of a fixed period of not less than fifteen months and not exceeding five years from the date of making such loan or advance and on such terms and conditions as may be specified in this behalf by the Bank: Provided that no such loans or advances shall be made- (i) except for the purpose of enabling the apex co-operative Bank to pay any dues in respect of bills of exchange and promissory notes, purchased or rediscounted by the Bank under sub-clause (f) of clause (2) of Article 16 or loans and advances made to it by the Bank under clause (6) of Article 16 and unless, in the opinion of the Bank the apex co-operative Bank is unable to pay such dues in time due to draught, famine or natural calamities; and (ii) Unless such loans and advances are fully guaranteed as to the repayment of the principal and payment of interest by the Government.