At YES BANK

8/8/2019 At YES BANK

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At YES BANK , we would like to assure you of the best of our services at all times. If you would

like to share your valuable suggestion, opinion, experience, feedback or scope for improvementon any of our services, we welcome your feedback through:

1. Electronic Channels Available

y You may register your complaint through they Call us at YES TOUCH Phone Banking Service 7 days a week between 7.00 AM and

11.00PM.y For specific complaints pertaining to Depository Services, please write in to:

2. Personal Visits to Bank officials

y Visit our branch and log your complaint in the complaint register maintained at all our

branches (during working hours of the branch).y Write in or meet the Branch Business Leader (Branch Manager) of the nearest Branch in

your city explaining the details concerned and he will respond to you-

y In each of our branches we observe 7th of every month (between 3 pm to 5pm) as the

Customer Day (previous day if 7th is a holiday or half day). Customers are free to use

such a day to give their opinions on Products & services of the Bank, express their concerns, appreciate a specific service or product trait, etc.

y In each of our branches we have displayed the name and contact details of officers whomyou can contact for raising your complaints

3. Time Frame

y We normally take up to 7 working days to respond to you.

4. Complaint reference Number

y We provide you with a complaint number when you submit your complaint to us.

5. Escalation Mechanism



2. Review comments/feed-back on customer service and implementation of commitments inthe Code of Bank¶s Commitments to Customers received from BCSBI.

3. Ensure that all regulatory instructions regarding customer service are followed by the bank.

4. Consider unresolved complaints/grievances referred to it by functional heads responsible

for redressal and offer their advice.5. The committee would submit report on its performance to the Customer Service

Committee of the Board at regular intervals.

Customer Service Committee in Branches

Each Branch would have a Service Committee comprising of senior members of the Branch

team, viz. Branch Business Leader, Branch Service Delivery Leader, etc. The functions of theC

ommittee are:

1. Meet selected customers on a regular basis (currently: every quarter) to ascertain their

feedback & comments on the service levels rendered by the Branch.2. Ensure that all regulatory & internal instructions regarding customer service are followed

by the branch.3. Evaluate feed-back on quality of customer service received from various quarters.

4. Identify & work on action steps to enhance the level of customer service offered by theBranch.

5. The Complaints, analyses and action points thereon, would be shared with the Head ± Customer Service for further Bank wide analyses and presentation to the Standing

Committee on

Customer Service and

Customer Service

Committee of the Board.

Banking Ombudsman Scheme, 2006

The Banking Ombudsman¶ Scheme was introduced by RBI with the objective of enabling

resolution of customer Complaints relating to provision of Banking Products & Services and tofacilitate the satisfaction or settlement of such complaints. All our Branches will have the details

& address of the Banking Ombudsman of their respective city. A copy of the scheme is availablein all our Branches for your perusal.

We request you to kindly note the following points, before approaching the Banking

Ombudsman.

1. The complainant, before making a complaint to the Ombudsman, had made a writtenrepresentation to YES Bank, and the Bank had either rejected the complaint, or the

complainant had not received a reply within a period of one month after the complaintwas received by the Bank, or the complainant was not satisfied with the reply given by

the Bank.



2. The complaint is made not later than one year after the complainant has received YESBank¶s reply to his/her representation or, where no reply is received, not later than one

year and one month after the date of the representation to YES Bank.3. The complaint has not been settled by the Ombudsman in any previous proceedings.

4. The complaint is not the subject matter of proceedings before any court, tribunal,

arbitrator or any other forum.5. The complaint is not frivolous or vexatious in nature.6. The complaint is made before the expiry of the period of limitation prescribed under the

Indian Limitation Act, 1963 for such claims.

YES Bank's mobile money servicesy Chandigarh became the first city in India where the private sector YES Bank, in

association with Nokia and Obopay India, global leader in mobile payment technology

launched µMobile money services by YES bank.¶ The bank started its servicecommercially today and it has plans to extend this across India in a phased manner.

y The service enables transfer of money using the mobile device in a secure manner. Named as µMobile money services by YES Bank, powered by Nokia,¶ it would augment

financial inclusion amongst the unbanked and under-banked consumer segments by bringing financial services to the consumers mobile device.

y It would enable consumers to transfer money to other individuals, pay utility bills as wellas recharge prepaid SIM cards(top-ups) by using their mobile devices. Subsequently,

consumers would also be able to pay merchants for goods and services through their mobile devices. This is the first of its kind, providing customers the ability to initiate

mobile payments through multiple channels i.e SMS, IVR, WAP, JAVA and FIRE.y Speaking to Business Standard, Yes Bank, Group-President-Transaction Banking Group,

Suresh Sethi said, ³The mobile penetration in Chandigarh is about 95 per cent with Rsone lakh per capita income, so it holds tremendous potential for implementation of newand innovative technology cutting edge technology services.

y This initiative will provide consumers in the city with greater µAnytime Anywhere¶

convenience and will be significant milestone on the path of financial inclusion. Thisservice would eliminate dependence on the physical presence of a branch or availabilityof internet banking services and will successfully ride on the deep penetration of mobile

services in the region.´y He added it would play an important role in India in linking common man with the bank

as there are 600 million subscribers in India and 46 per cent of the mobile users doesn¶thave any bank account.



y Earlier this year, Yes Bank, received regulatory approvals from the Reserve Bank of India (RBI) to act as the issuing bank and the custodian of funds under these services.

YES Bank launches mobile money services

in Chandigarh news

YES Bank, in association with Nokia and Obopay India, today launched `Mobile money

services in Chandigarh, which would enable secure monetary transactions using mobile phones.

Commenting on the occasion, Suresh Sethi, group president - transaction banking group,Y

ES Bank, said, "W

e are delighted to bring 'Mobile money services byY

ES Bank' to thecitizens of Chandigarh.I believe that this service will eliminate dependence on the physical presence of a branch

or availability of internet banking services, and will successfully ride on the deep penetration of mobile services in the region."

Earlier this year YES Bank had received regulatory approvals from the Reserve Bank of India (RBI) to act as the issuing bank and the custodian of funds under these services.

Built on Obopay's mobile payment platform, consumers can transfer money to other

individuals, pay utility bills as well as recharge prepaid SIM cards (top-ups) using their mobile devices via a simple interface.

Subsequently, they will also be able to pay merchants for goods and services through

their mobile devices using multiple channels, including SMS, IVR, WAP, JAVA andFIRE.

YES Bank India

YES Bank India is a new age private sector bank in India. Founded by Rana Kapoor witha goal to set up a high quality, customer centric, service driven private sector Indian bank that would cater to the "Future Industries of India". It is also the only bank that has been

awarded Greenfield license by the Reserve Bank of India in the past 14 years. The bank offers a range of financial products and services to its clients, which include Corporate

and Institutional Banking, Investment Banking, Business and Transaction Banking,Financial Markets, Corporate Finance, Retail and Wealth Management etc.



Products and Services

YES Bank India offers a range of products and services to its clients across the nation.

y Corporate Banking

y Institutional Bankingy C

orporateF

inanceo Infrastructure Banking Unit (IBU)o Structured & Project Unit (SP&F)

o Financial Restructuring Unit (FRU)o Realty Banking Unit

o Project Advisory & Syndication Unity Branch Banking

o Saving Accountso Current Accounts

o No-frills Accountso Non-resident Accounts

o Fixed Deposits

o 5-Year Tax Efficient Fixed Deposits

o Smart Saver Accountso Smart Salary Accounts

y YES FIRST Wealth Managemento ZERO Balance GOLD Savings Account

o Relationship Pricingo Complimentary YES FIRST International GOLD Debit Card

o Doorstep Bankingo YES TOUCH Phone Banking Services

o Net Bankingo Mobile Banking

o Money Monitor y Investment Banking

o Private Equity Syndicationo Financial Advisory

o Equity Capital Marketso Restructuring & Privatizations

o Brokage Servicesy Financial Markets

o Foreign Exchangeo Online Forex Solutions

o Fixed Incomeo Derivatives & Structured Products

o Commodity Risk Management Advisoryo Liquidity & Balance Sheet Management

y Transaction Bankingo Cash Management Services

o Capital Market Serviceso Trade Services



In addition, the company offers corporate restructuring advisory services, mergers and acquisitions

advisory services, acquisition funding arranging services, infrastructure and project advisory services,

techno-economic feasibility reports, and business plan preparation and bid process management, as

well as acts as debenture trustees and trustees for securitization issues. It serves corporates,

institutions, central and state government ministries, and undertakings as well as small and retail

business customers.

At Axis Bank, it has been our constant endeavour to bring a sharper focus to the requirements of our

customers and we strive to leverage cutting-edge technology to provide the highest levels of service to

you. We are one of the few banks in India which has built up a fully integrated centralised banking

architecture to offer you banking services anywhere, anytime. Our Internet banking initiative also

provides convenience and real time transaction services.

We recognize the importance of the Internet as an increasingly indispensable medium of

communication and commerce. We endeavour, therefore, to bring to you through this website a whole

range of banking services. At present our Internet Banking module, iConnect, allows you to view all your

accounts with us, including savings, current and depository accounts, for transactions and balance

details, and to transfer funds between accounts within the Bank.

We provide facilities for bill payments, NRI services, a shopping mall, financial advice and retail loans.

Through our Bill Pay service on the net, you can pay your bills online. At the Shopping Mall you can shop

online. The NRI Services channel offers remittance facilities and a lot more to Non-Resident Indians. Our

latest offering is AxisRemit, an online remittance service from Axis Bank.

Notwithstanding the immense benefits that Internet Banking brings, the Bank also has other

distribution channels. At the end of December 2008, the Bank increased its reach to 454 cities,

towns and villages across the country through 749 Branches & Extension Counters and 3171ATMs. The Bank offers a complete range of retail and corporate services, including retail loans,corporate and business credit, forex and trade finance services, investment banking, depository

services and investment advisory services. Our deposit base currently stands at over Rs. 1,05,715crores with over 103 lakh accounts.

The Bank's International Debit Card, which comes with the Savings Bank Account, personalisedand carrying a unique insurance cover for every account holder, has received an excellent

response from customers, with over 109 lakh debit cards having been issued as at end December 2008. We were the first bank to offer the AT PAR Cheque facility, free of cost, to all our Savings

Bank customers in all the places across the country where the Bank is currently present. By

virtue of this facility, customers can now use the AT PAR cheque to make cheque payments(upto a ceiling of Rs. 50,000/- per instrument) to any beneficiary at any of these places. We alsooffer the international Travel Currency Card in nine currencies. The Travel Currency Card is a

signature based pre-paid travel card that enables travellers global access to their money, in thelocal currency of the country they are visiting, in a safe and convenient way.



Axis Bank's remittance service

Mumbai, Sept. 10

Axis Bank has launched a remittance service called Instant Money Transfer, in partnership withEmpays Payment Systems. IMT will be available to Axis Bank customers in Mumbai,

Bangalore, Ahmedabad and Hyderabad to conduct transactions. The pan-India roll-out isexpected to take place in the next four to six weeks, said a press release. IMT enables customers

of the bank to make instant cash payments to a receiver anywhere in India at low cost. Thereceiver need not be an account holder of Axis Bank, or for that matter any bank. Once the

receiver gets the notification of the remittance, he or she can go to the nearest Axis Bank ATMand withdraw the money. Remitters can conduct the remittance using mobile, net banking and

ATMs. IMT has been developed by Empays Payment Systems in partnership with Hal Cash, a payment system built and operated in Spain by a consortium of eight Spanish banks

Axis Bank Forex, Treasury Services

Axis Bank Forex facility is one of the most trusted ones in the industry. The Axis Bank treasury employs highly sophisticated technology thereby reducing the processing costs and

offering the cheapest foreign exchange rates to the clients. The Axis Bank Forex Productsinclude:

Spot Contract: The foreign exchange takes place on a pre-committed fixed rate for delivery for buy and sell of one currency against other. Here the risks involved due to fluctuating Forex rates are ruled out.

This is for upto two business days.

Forward Contract: This Forex product of Axis Bank is another form of spot contract with liquidity of up to 1 year.

Currency Swaps: Available as cross-currency swaps, coupon only swaps and principal only swaps, this Forex product by Axis Bank allows currency exchanges at fixed rates for future for both principal and

interest.

Interest Rate Swaps:The exchange takes place in a fixed interest rates and a floating interest rate liability on behalf

of a client. Only the cash flow differences are settled and the principal amount is left untouched.



Currency Option: Axis Bank offers option of purchase or sell of a specified currency at a pre-specified rate. It isan instrument that is usually dealt by corporates having underlying knowledge and exposure of

the currency rates.

At YES BANK

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