An Introduction IndusInd Bank derives its name and inspiration from the Indus Valley civilization -a culture described

by National Geographic as 'one of the greatest of the ancient world' combining a spirit of innovation with sound business and trade practices. Mr. Srichand P. Hinduja, a leading Non-Resident Indian businessman and head of the Hinduja Group, conceived the vision of IndusInd Bank -the first of the new-generation private banks in India -and through collective contributions from the NRI community towards India's economic and social development, brought our Bank into being. The Bank, formally inaugurated in April 1994 by Dr. Manmohan Singh, Honorable Prime Minister of India who was then the countrys Finance Minister, started with a capital base of Rs.1,000 million (USD 32 million at the prevailing exchange rate), of which Rs.600 million was raised through private placement from Indian Residents while the balance Rs.400 million (USD 13 million) was contributed by Non-Resident Indians. A New Era IndusInd Bank, which commenced its operations in 1994, caters to the needs of both consumer and corporate customers. It has a robust technology platform supporting multi-channel delivery capabilities. The Bank believes in driving its business through technology. It has multi-lateral tie-ups with other banks providing access to their ATMs for its customers. It enjoys clearing bank status for both major stock exchanges - BSE and NSE - and three major commodity exchanges in the country - MCX, NCDEX, and NMCE. It also offers DP facilities for stock and commodity

segments. The Bank has been bestowed with the mandate of being a Settlement Banker for six tea auction centers. In a pioneering initiative in 'Green Banking' project, the Bank opened its first solar-power ATM in Maharashtra. The Bank received a series of accolades commencing with the prestigious 'Technology Bank of the Year-2009' award in the private and foreign bank category from the Indian Banks' Association (IBA). It has also been recognized as the Bank with the Best Performance in Credit Quality at the FE Best Banks Awards. Recently, CRISIL has reaffirmed its P1+ rating of IndusInd Bank's fixed deposits and certificates of deposit program. Credit rating agency ICRA Ltd. has upgraded Lower Tier II Bonds rating of the Bank to LAA- (pronounced L double A minus) rating with stable outlook from LA+ (pronounced L A plus) rating with stable outlook. ICRA has also upgraded the Upper Tier II Bonds rating of IBL to LA+ rating with stable outlook from LA (pronounced L A) rating with stable outlook. Mission To position IndusInd Bank limited as a Top 3 performer in the new private bank space in3 years measured by the 3 parameters of Profitability, Productivity and Efficiency Offers a new level of banking better services, better understanding of unique needs and better management of finances Demystifies the banking process and makes it more accessible Apart from fulfilling traditional banking responsibilities, advises customers on how and where to use their money to get the best out of it Projects an image of being a young, energetic, modern bank with values of dynamism, confidence and progression

 Further, as a banking partner, the bank also aims to help its customers discover how they can do more things with their money Milestones With over 15 years of Operating History Tier II Issue raised Rs. 4200 million in March 2010 Awarded the Technology Bank of the Year-2009 in the private and foreign bank category from IBA Excellence Award, the 2nd best new generation bank in Kerala by the State 2010 Forum of Bankers Clubs, Kerala Ranked No. 1 for Credit Quality amongst all banks in India by Financial Express and Ernst & Young study Received the prestigious ISO 27001 certification for IT operations

2009

QIP Issue raised Rs. 4803 million in August 2009 Launched new Brand Campaign RBI approval received for 30 new branches and 50 off site ATM Appointed as Clearing & Settlement Bank at all major Tea Auction centers Tied up with BONY Mellon for on line remittances from United States to India GDR Issue - raised Rs 2,222 million; Ratings: ICRA Highest A1+ CDs, Crisil Highest P1+: CDs, FDs New Launch/Rollout: Mid market Investment Bank, 3rd Party Distribution Platform, Warehouse Receipt Finance

2008

Awards/Recognition: The Smart Workplace - Economic Times, Best CSR Practice Company BSE/NASSCOM Extended microfinance to 300,000+ women by partnering leading MFIs like SKS Microfinance Extensive deployment IT initiatives Became clearing/settlement bank for NSE currency futures exchange New management team headed by Romesh Sobti inducted from ABN AMRO Bank NV GDR - raised Rs 1,460 million, tied up with Cholamandalam MS for banc assurance Signed an agreement with National Multi Commodity Exchange Ltd as clearing banker Tied-up with Religare Securities for offering 3-in-1 account covering banking, depository & securities trading Tied up with Aviva Life Insurance for banc assurance Signed an agreement with NCDEX as clearing banker Opened its second representative office in London Ashok Leyland Finance Ltd, a leading NBFC merged with the Bank (total 115 branches), opened representative office in Dubai IndusInd Enterprises & Finance Ltd, a NBFC & one of the promoters of the Bank amalgamated with the Bank

2007

2006

2005

2004 2003

Increased branch network to 53 1st to implement the RBI - EFT scheme with Money Gram International & Zoha Inc. USA; similar tie ups with exchange houses in Middle East IPO - raised Rs 1,800 million, became clearing bank to First Commodities Clearing Corporation of India 1997,1998 Ranked Best Bank by Financial Express. 2000 Became clearing/settlement bank for BSE/NSE Raised Rs 1,000 million through preferential issue of shares Incorporated in 1994; Promoted by a group of Non Resident Indians. Started operations with Rs 1000 Mn Capital

2002

1994 2000

INDUSIND as a Brand IndusInd Bank has been aggressive in its brand building program since last year. As a part of the brand building exercise, the bank has taken many initiatives which have helped the brand connect up with the customers & enhance the visibility quotient. IndusInd Bank had launched its first ever mass media campaign in MayJune 2009 along with its punch line Makes you feel richer and since then, the bank has been consistent in communication through Television, Radio, and Outdoor & print advertising. IndusInd Bank understands its customers money is not just money. It is the vehicle to realize their dreams! Hence, the bank aims to ensure that the customers experience with the bank is pleasant and enriching. That they get value for their money,

enabling them to lead a richer, fuller, content life... For this, the bank: o Offers a new level of banking better services, better understanding of unique needs and better management of finances o Demystifies the banking process and makes it more accessible o Apart from fulfilling traditional banking responsibilities, advises customers on how and where to use their money to get the best out of it o Projects an image of being a young, energetic, modern bank with values of dynamism, confidence and progression Further, as a banking partner, the bank also aims to help its customers discover how they can do more things with their money. MILESTONES FOR FY 2009-10 Total business crossed Rs 47000 cores Net worth moved to Rs 2166 cores Net Profit up by 136% to Rs 350.31 cores Net Interest Income up by 93% to Rs 886.41 cores Core Fee Income up by 44% to Rs 432.27 cores Capital Adequacy Ratio ( Basel II) stood at 15.33% Return on Assets at 1.14% as against 0.58% Net NPA at 0.50 % as compared to 1.14% as on March 31, 2009 The provision of Coverage Ratio against NPAs stood at 60% as against 29.76% Raised Maiden QIP issue for Rs 480 cores with an overwhelming response from the investor community Network increased to 210 branches and 497ATMs spread over 168 geographic allocations in 28 states and union territories across the country as against 180branches and 356 ATMs spread across 147 geographical locations

 Earning per Share ( Basic ) increased to Rs.9.01 from Rs 4.28 Dividend declared 18% - up from 12% Achievements Received the prestigious Technology Bank of the Year2009 award in the private and foreign bank category from the Indian Banks Association (IBA). The State Forum of Bankers Clubs, Kerala, bestowed the Excellence Award, as the second best new generation Bank in Kerala. Ranked No. 1 for Credit Quality amongst all banks in India by Financial Express and Ernst & Young study. Highest P1+ rating for its Fixed Deposits and Certificates of Deposit (up to 1 year contracted maturity) by CRISIL Lower Tier II bonds have been rated CARE AA- by CA RE Banks Lower Tier II bonds ratings have been upgraded to "A+ (ind)" and Upper Tier II bonds ratings upgraded to "A(ind)" by Fitch Ratings Service Following Service are provided by the Inducing Bank . 1. Personal Banking 2. Wealth Management Service 3. Corporate Banking 4. International Banking 5. Investment Banking 6. Global Market Group 7. ASBA 8. NRI Service 9. Online Shopping & E-Payment 10. RTG`S / NEET

1. Personal Banking Account Deposits Loans Cards Indus Reward Indus Money Service Charges Account a. Indus Easy Saving Account b. Demat Account c. RFC Account d. Specialized Account e. Indus young Saver Deposit a. Flexi term Deposit b. Sweep In / Sweep Out Deposit c. Young Saver Deposit d. Regular Recurring Deposit e. Flexi Recurring Deposit Loan a. Home loan b. Small Business Loan c. Commercial Vehicle Loan d. Car Loan e. Two Wheeler Loan f. Construction Equipment Loan g. Loan Against Share h. Loan Against Property i. Loan Against Rent Receivables j. Loan Against Mutual Fund k. Credit Against Specific Securities

l. Traders Advances m. List of recovery / collection Card a. Regular Debit Card b. Gold Debit Card c. Debit Card Special offer d. Secure Online Shopping 2. Wealth Management Service Investment Insurance Server Mudra 3. Corporate Banking Large Indian Companies Small & Medium Enterprises Supply Chain Management MES OTS Scheme

Large Indian Companies a. Fund Based Facilities b. Non Fund Based Facilities c. Value Added Facilities a. Fund Based Facilities Working Capital Finance Short-Term Finance Term Loan Bills Finance Supply Purchase Asset Securitization Line of Credit

Assets Based Finance b. Non Fund Based Facilities Latter of Credit Bank Guaranties c. Value Added Facilities Associate Finance Cash Management Service Corporate Salary Account Investment Avenues For Cash Small & Medium Enterprises a. Fund Based Facilities b. Non Fund Based Facility c. Value added Facilities d. MSE OTS Scheme a. Fund Based Facilities Working Capital Finance Short Term Finance Term Loan Bills Finance Supply Purchase Asset Securities b. Non Fund Based Facility Latter of Credit Bank Guarantee c. Value Added Facilities Associate Financing Cash Management Service Corporate Salary Account

Investment Avenues for Cash 3. Supply Cash Management Working Capital Finance Bill Discounting 4. International Banking Correspondent Banking SWIFT Advisory Services Facilities to Exporters Trade Finance RFC Account for Resident Gold Banking

5. Investment Banking Product Service Global Access Induslnd Add Vale Deals Done 6. Global Market Group Foreign Exchange Desk Money Market Desk Derivives Desk 7. Capital & Commodities Markets Stock Exchange Cell Commodities Exchange Cell Banker to Public Rights Debenture Trustee IPO Funding

Loan Against Demat Share Depositary Service

8. ASBA What is ASBA Designated Branches Nodal Officer 9. NRI Service Deposit Schemes Value Added Service Retuning NRI Investment Taxation Offices Abroad 10. Online Shopping & E- Payment Indus Net Internet Banking Online Payment VISA Money Transfer ATM Online Bill Payment E- Statement Mobile Banking Mobile Top up

1.

Personal Banking

ACCOUNTS IndusInd Bank Deposit Schemes help you manage your finances better by saving your time and money. A wide range of deposit schemes cater to the varying needs at every stage in your life.We have a range of solutions which will make banking effortless for customers having diverse needs. Please refer to the Accounts listed on the top left menu for further information. INDUS EASY SAVINGS ACCOUNT Indus Easy Savings Account No Frills Account Indus Easy Savings Account is a facility to provide basic banking facilities to common man without tedious processes and higher minimum balance.Open an Indus Easy Savings Account and earn interest of 3.5% per annum. Simple account opening process with minimal documentation. Access your account anywhere, anytime through internet and ATM banking Product Features: Zero Balance Savings Account, just Re.1/- to open account Earn Interest at 3.5% per annum Free Internet Registration ATM Card to operate at IndusInd Bank ATMs and other network partner ATMs Free Funds Transfer through NEFT Direct withdrawal facility weekly once One cheque book issued per annum Half yearly statements will be provided, monthly statement through email NO Charges on non-maintenance of minimum Average Quarterly Balance Free Training on Technology Banking Important Note:

1. Indus Easy Account can be opened by resident individuals only 2.Indus Easy Account is opened under Simplified KYC Process, at any point of time if the total balance or the total yearly turnover in the accounts exceed Rs.50,000/- and Rs. 1, 00,000/- respectively. Account holder will be required to provide additional documents for KYC completion; else the Bank will be entitled to close the account. Monthly Statement can be collected through your nearest branch. DEMAT ACCOUNT Shares are traditionally held in physical or paper form. This method has its own inherent weaknesses like loss/theft of certificates, forged/fake certificates, cumbersome and timeconsuming procedure for transfer of shares etc. Therefore, to eliminate these weaknesses, a new system called Depository System was introduced in India after the enactment of the Depositories Act 1996.A depository system is a system, which holds your shares in the form of electronic accounts in the same way a bank holds your money in a savings account. Depository System provides the following advantages to an investor: your shares cannot be lost or stolen or mutilated. You never need to doubt the genuineness of your shares i.e., whether they are forged Share transactions like transfer; transmission etc. can be effected immediately. Transaction costs are usually lower than that in the physical segment. There is no risk of bad delivery. Bonus/Rights shares allotted to you will be immediately credited to your account. You will receive the statement of account of your transactions/holdings periodically. When you decide to have your shares in electronic form you should approach depository Participant (DP) who is an agent of the depository to open an account. You should surrender your share certificates in physical form and your DP will arrange to get them sent to and verified by the company and on confirmation credit your account within equivalent number of shares. This process is known as

dematerialization. You can always reverse this process if you so desire and get your shares reconverted into paper form. This process is known as dematerialization. Share transactions (like sale or purchase and transfer/transmission etc.) in the electronic form can be effected in a much simpler and faster way. All you need to do is that after confirmation of sale/purchase transaction by your broker, you should approach your DPwith a request to debit/credit your account for the transaction. The Depository will immediately arrange to complete the transaction by updating your account. There is no need for separate communication to the company to register the transfer. INT BKG-RFC ACCOUNT As an important step towards further liberalization of foreign exchange facilities available to individual residents, it has been decided by Reserve Bank of India to permit adperson resident in India to open, hold and maintain with a licensed Bank (which is also an Authorized Dealer) in India a Foreign Currency (Domestic) Account and foreign exchange acquired from any of the sources specified as under can be kept in this account by the resident. while on visit to any place outside India by way of payment for services not arising from any business in or anything done in India; or From any person not resident in India and who is on a visit to India, as honorarium or gift payment for services rendered or in settlement of any lawful obligations; or by way of honorarium or gift while on a visit to any place outside India; or from an authorized person for travel abroad and represents unspent amount: or Gift received from close relative; or foreign exchange earned through export of goods and/ or services; or royalty, honorarium etc Salient features Eligibility: Any person resident in India Type of Account: Current account Currency: Foreign Currency such as USD, GBP & EURO

Eligible credits: Out of Foreign Exchange acquired from the sources specified as above in the form of currency notes, bank notes and travelers cheque. Eligible Debit: Payment towards current and capital account transactions in accordance with existing foreign exchange Regularities. Ceiling: No upper ceiling on balances held in account is stipulated by Reserve Bank of India. Interest: No interest will be payable on balances held in account Cheque Book Facility: Special cheque book will be provided with RFC (Domestic)Account notation INDUSIND EDGE BUSINESS ACCOUNT One Account for your much business needs Indus Edge Business Account IndusInd Bank knows how much your business means to you. To facilitate its growth and ensure prosperity, we have added several offerings which will make this process smooth and efficient. Special care has also been taken to ensure that you will most certainly save precious time, secure peace of mind and also get the best in terms of service. The Bank has 180 outlets spread over 137 geographical locations in 28states and union territories across the country. The Bank also has representative offices in Dubai and London. The Ideal Current Account for Your Business IndusInd Bank understands the nature of your business needs and has tailored products to meet them. This product will prove to be an ultimate value for money considering that you will get loads of benefits against nominal minimum balance requirement.

Anywhere Access One country, One account, One bank. Step into any branch, anywhere in India and complete all your banking transactions. Payment Strength 1.Payable at Par Cheque No more blocking your precious funds in demand drafts. Get Free* At Par Cheque that are treated as 'local clearing' cheque across all our branch locations. This will allow you to fund your account just before a payable At Par cheque is presented for clearing. Please contact your nearest branch for the latest list of locations. 2.Free Demand Drafts enjoy the benefit of our extended reach to over 500 locations including our correspondent partner bank locations. Save the money and effort that goes into the managing and maintaining of multiple accounts with various banks to meet your payment location requirement. Get Free* Demand Drafts, payable at all IndusInd Bank branches and partner bank locations across India. 3.Edge through Electronic Banking Experience the power of express fund transfer through Real Time Gross Settlement (RTGS) and National Electronic Funds Transfer (NEFT). As an Indus Edge customer, RTGS and NEFTservices are available to you free of cost, enabling funds transfer to specified locations and branches of select banks. You need to get in touch with your nearest IndusInd Bank branch to facilitate your request for NEFT and RTGS.

4 . Cash Withdrawal at Non-Home Location Indus Edge allows real access to your own money; you can withdraw cash anywhere in India at the nearest IndusInd Bank branch Collection Strength 1.Anywhere Collection Enjoy additional savings and efficiency of anywhere services, with a reach of 137 IndusInd locations for collecting your cheque. Now deposit your locally payable cheque at any IndusInd location, with our local branch. We will collect your funds and remit to your account at the home location. 2.Outstation Collection Add more edge to your business, with a free* collection of outstation cheque, payable on IndusInd Bank locations. Cash Deposit Our unique flexi cash deposit allows you to enjoy additional savings on your account. Indus Edge does not bind you at a static cash deposit limit, our flexi free cash deposit limit is five times the balance maintained in the previous month for local deposits Other Services Doorstep Banking IndusInd Doorstep Banking enables you to have cheque and cash picked up or delivered from / to your doorstep on a daily basis or on call basis, at a time convenient to you. How about that for saving time?! Internet Banking (Indus net) Your Indus Edge Account allows you either view-only or transaction access, based on your banking requirement. This helps in transferring funds instantly from one account to another at any

of our branches across the country, absolutely free. And that's not all, you can perform any of the following functions on Indus net: requests Request for New Cheque book Request for Account Statement Request for Demand Draft Request to Stop Payment of Cheque Additional Services Interact with Your Personal Banker Indicative Foreign Exchange Rates Phone Banking You access, we pay. Just pick up the phone and call us Toll Free on 1800-22-0061 or on 022-4406-6666. Our Customer Contact Centre offers you personalized service. Long Banking Hours We are open for long hours to serve you better and allow you to access the Bank at your convenience even when you are tied up with busy schedules. Our branches remain open from 10AM to 4 PM**, Monday through Saturday Mobile Banking and Alerts Our Mobile Banking and Alerts Service enable you to access your Bank Account on your mobile Phone. You can check daily account balance of any large credits or debits and have standing instructions successfully executed. The status of your transaction will be intimated to you visas. Moreover, we can also alert you on FD maturity dates. Avail of the PULL message service by sending key words like 'TXN' or 'BAL' or with parameters to 5676757. International Debit Card

you can use your International Debit Card to withdraw cash from any Visa ATM. You can also use the cardto make purchases at merchant establishments. Currently, we offer a daily cash withdrawal limit of Rs.25,000 and POS limit of Rs. 50,000 on our regular debit card. EEFC Account As an Edge client, you can also avail of the Nil balance EEFC Account in three leading currencies - US dollar (USD), Euro () and Pound Sterling (GBP-). The Account allows: 1.Foreign Cheque Collections: You can deposit foreign currency cheque payable anywhere in the world. Our wide coverage, enabled with the help of the correspondent bank network will ensure that the cheque is credited to the Account extra fast. 2.Foreign Currency Drafts: Using your EEFC Account, you can also purchase Foreign Currency Drafts in USD, GBP and EURO. There will not be any foreign currency margin on the same. 3. Free monthly statements will be available on demand. 4.Foreign Currency Cheque book for international transactions is available on demand. 5.Cash withdrawal from EEFC Account: Withdrawal s in foreign currency is permitted only against applicable conversion margin, whereas there is no restriction on cash withdrawals in INR. 6.Cash deposit into EEFC Account: Deposits in foreign currency is permitted only against applicable conversion margin. 7. Remittances from EEFC Account: In lieu of currency conversion margins, the EEFC Accounts will be eligible for the following special rates: Import transaction (inward remittance) - 0.125% on the amount involved

Export transaction (outward remittance) - 0.25% on the amount involved on-Export transaction (outward remittance) 0.125% on the amount involve You can ask your nearest IndusInd Bank Branch to guide you on the requirements for opening the EEFC account. INDUS PRESTIGE BUSINESS ACCOUNT Experience personalized care with a dedicated Relationship Manager Indus Prestige Business Account Some privileges are reserved for a chosen few. As an Indus Prestige Business Account holder you will be assigned a dedicated Relationship Manager who will take care of all your business banking transaction needs and even assist you in planning your finances. Indus Prestige comes to you with a host of other premium services and exclusive benefits. Whats more, as an Indus Prestige customer you will receive preferential treatment at all the 180 Bank branches spread over 137 geographical locations in 28 states and union territories across the country Dedicated Relationship Managers You need an efficient transaction bank to cater to your business needs in the demanding world of business. At IndusInd Bank, we have dedicated the Indus Prestige Business Account to service your premium business needs. Hence we provide you with a dedicated Relationship Manager who will be your single point contact at the bank, besides an experienced service team. The Relationship Manager will ensure that your requirements are prioritized and your expectations are met. Add Prestige to Your Business We, at IndusInd Bank understand your business needs and present tailor-made products to meet your expectations from the Bank. The

product has been designed to add value to your business through swift transaction handling and backed by a well-informed servicing team. The offer also comes loaded with transactional features which will surely add money to your wallet. It provides loads of features across payments and collection products. Features Payment Strength A. Payable At Par Cheque with Your Account As an Indus Prestige customer, you get unlimited free access to Payable At Par cheque that retreated as local clearing cheque across all our branch locations. You can fund the Account just before the Payable At Par cheque is presented for clearing. The Payable At Par cheque allows you the freedom of making payments at over 137 IndusInd locations. Thus, no more blocking your precious funds in demand drafts. B.Free Demand Drafts In case you decide to use our extended reach to make a payment, enjoy the payment reach benefit at more than 500 locations including our partner banks. Save the money and effort that goes into the managing and maintaining of multiple accounts with various banks to meet your payment location requirements. C.Power of Electronic Banking Experience the power of express fund transfer through Real Time Gross Settlement (RTGS) and National Electronic Funds Transfer (NEFT). As an Indus Prestige customer, RTGS and NEFTservices are available to you free of cost, to enable fund transfer to specified branches of banks. Get in touch with your nearest IndusInd Bank branch to facilitate request for NEFT and RTGS. D.Cash Withdrawal at Non-Home Locations Indus Prestige allows real access to your own money; withdraw cash anywhere in India at the nearest IndusInd Bank branch. Collection Strength

A. Anywhere Collection Enjoy additional savings through efficiency of anywhere services, collect your local cheque at any of our 137 locations. We will collect your funds and remit to your Account at the home location. B.Outstation Collection Add more to your business, with a free collection of outstation cheque payable at IndusInd Bank locations Cash Deposit Our unique flexi cash deposit allows you to enjoy additional savings on your Account. Indus Prestige doesnt bind you to static cash C.Deposit limit. Our flexi, free cash deposit limit is five times the balance maintained in the previous month for your local cash deposits. Other Services Doorstep Banking IndusInd Doorstep Banking enables you to have cheque and cash picked up or delivered to your doorstep on a daily basis or on call basis, at a time convenient to you. How about that for saving time?! Internet Banking (Indus net) Your Indus Prestige Account allows you an option of selecting view-only or transaction access, based on your banking requirement. This helps in transferring funds instantly from one account to another at any of our branches across the country, absolutely free. And thats not all, you can perform any of the following functions on Indus net:

Requests

Request for New Cheque book Request for Account Statement Request for Demand Draft Request to Stop Payment of Cheque Additional Services Interact with Your Personal Banker Indicative Foreign Exchange Rates Phone Banking You access, we pay. Just pick up the phone and call us Toll Free on 1800-22-0061 or on 022-4406-6666. Our Customer Contact Centre offers you personalized service. Long Banking Hours We are open for long hours to serve you better and allow you to access the Bank at your convenience. Our branches remain open from 10 AM to 4 PM*, Monday through Saturday. Mobile Banking and Alerts Our Mobile Banking and Alerts Service enable you to access your Bank Account on your mobile phone. You can check daily account balance of any large credits or debits. The status of your transaction will be intimated to you via SMS. Moreover, we can also alert you on FD maturity dates. Avail of the PULL message service by sending key words like TXN or BAL or with parameters to 5676757. International Debit Card you can use your International Debit Card to withdraw cash from any Visa ATM or make purchases at merchant establishments. Currently, we offer a daily cash withdrawal limit of Rs.50,000 on the Gold Card. EEFC Account As an Indus Prestige client, you have the option of subscribing to the Nil Balance EEFC Accounting any of the three leading currencies US dollar (USD), Euro () and Pound Sterling (GBP).The Account allows:

Foreign Cheque Collections

you can deposit foreign currency cheque payable anywhere in the world, with us for collection. Our wide coverage, enabled with the help of a correspondent bank network will ensure that the cheque is credited to your Account extra fast. Payment through Foreign Currency Drafts using your EEFC Account, you can also purchase Foreign Currency Drafts in USD, GBP and EURO. There will not be any foreign currency margin on the same. Foreign Currency ChequeBook for international transactions is available on demand. Please contact your nearest IndusInd Bank branch for more information on the EEFC Account. Cash Management Services As an Indus Prestige customer, you have the option to enroll in an exclusive Cash Management Service, called Indus Collect. This service empowers you to manage funds by reducing collection time at a fraction of the cost. Indus Collect covers 250 locations for local collections and 1,000 locations for outstation collections. You can get in touch with your Relationship Manager or nearest IndusInd Bank branch for more details on the product and enrollment details. INDUS TASC FOR TRUSTS, ASSOCIATIONS, SOCIETIES & CLUBS A Zero-Balance Savings Account The exclusive Indus TASC Account is a specially designed valueadded Savings Account for non-profit organizations like Trusts, Associations, Societies, Clubs and NGOs. The offer also covers Educational Institutions, Trade & Professional Associations, Charitable Hospitals and NGOs

Why Indus TASC Account?

No Minimum Balance Requirement We value your relationship and hence do not prescribe any minimum balance requirement. In other words, there are no penalties for non-maintenance of minimum balance in the account. Free Anywhere Banking You can operate your Indus TASC Account from any IndusInd branch, even in another city. Also, we offer you services of cash withdrawal at non-home locations. Free Multi-City Cheque (At Par) Facility The Indus TASC Account offers payable at par cheque book facility, enabling you to issue cheque for outstation payments on all IndusInd Bank centers, without the hassles of buying demand drafts for making payments. You also save precious money on the demand draft making charges in addition to additional float in the account until cheque is presented for clearing. Unlimited Transactions, Unlimited Fund Transfer Indus TASC Account offers you flexibility of using the cheque book without worrying about the limit on the number of free transactions per month. Demand Drafts If you desire to issue a demand draft, we offer free demand drafts on IndusInd Bank locations unto Rs. 5laces per month Also, there is no need to open additional accounts with other banks for demand drafts. Our tie-up with partner banks ensures that you receive unmatched payment reach of over 500 locations at competitive pricing. Electronic Banking We understand that you need to transfer funds to the remotest corners of India within the shortest time. Indus TASC Account offers you unlimited free fund transfers through

NEFT, while fund transfers through RTGS are priced at a competitive rate. Fee Collection Services (FCS)* FCS is a tailor-made offering from IndusInd Bank which facilitates fee collections for Education Institutions through Cash Management Services, called Indus Collect. Free Collection Services Cheque drawn on any location where IndusInd Bank has a branch will be credited to your account without any service charge, when presented in local clearing. Email Account Statements We offer free daily statements of account on the email ID registered with us FCRA Accounts IndusInd Bank offers FCRA Accounts to the Trusts / Associations approved by Ministry of Home Affairs to receive 'Foreign Contributions'. The Bank offers attractive foreign exchange rates and unique facilities for inward remittance, making donations much faster and convenient.

Investment Opportunities Multiply Your Returns Indus TASC Account offers you an opportunity to earn Fixed Deposit (FD) Interest while enjoying the convenience of accessing the money when required. You can instruct us to sweep your excess balance into fixed deposit and link it to your Indus TASC Account, to allow for automatic reverse sweep whenever a cheque is presented for clearing against your Account. The Fixed Deposits will be broken in LIFO basis for the reverse sweep. Mutual Fund Investments

We have tied up with leading Asset Management companies to maximize opportunities for you. You can get in touch with our investment councilors or the nearest branch to help you in selecting the best option suited for your goals. INDUS PRIME TRUSTS, ASSOCIATIONS, SOCIETIES & CLUB A Special Savings Account for Trusts, Associations, Societies and Clubs The banking needs of larger non-profit organizations like Trusts, Associations, Societies, Clubs, NGOs, etc.are different. That is why we are introducing the Indus Prime Savings Account a specially designed value-added Savings Account for larger nonprofit organizations. This Account unveils a gamut of privileges for nonprofit organizations like Trusts, Associations, Societies, Clubs, and NGOs etc. The offer also covers Educational Institutions, Trade & Professional Associations, Charitable Hospitals and NGOs. Why the Indus Prime TASC Account? We present to you a privilege offer meant for image and valueconscious TASC entities. The offer not only combines the best of its class services, but also gives access to our privilege offers and invites. Free Anywhere Banking You can operate your Indus PRIME Account from any IndusInd Branch even at another city. Also, we offer you services of cash withdrawal at non-home locations.

INDUS YOUNG SAVER Specially designed tobuild and secure your childs future

At IndusInd Bank, we understand your varied needs as a parent getting the best education for your children, savings for their future, ensuring their good health and habits you always wish you had the time and resources to give them the best they deserve. As a Bank we feel a strong responsibility in securing your financial future not just by offering you a portfolio of savings and investment solutions for your family, but by also bringing to you a treasure-chest of knowledge-based solutions to help your children learn smartly and sow the seeds of intellectual wealth. Knowledge is Wealth towards this end, we have tied-up with Educational Initiatives (EI), Indias leading educational diagnostic tests provider for students in classes 3 to 10. EI is an educational research and services organization working with more than 2 lakh school children annually, providing strength/weakness analysis at a subject/skill level, benchmarking with other students nationally and delivering online improvement programs that your child can avail of as per his/her convenience and need. For our privileged customers, IndusInd and EI bring the following attractive offers Free ASSET Online Test Skill-Based Diagnostic Test: ASSET Online is a special test which helps students improve. Unlike regular tests which merely try to find out how much a child can reproduce (or has memorized), this test measures how well a student has understood concepts and gives detailed feedback on the same, including comparisons with peers to help He/she improve. The test is available online and can be taken by students of classes 3-10 in Maths, Science and English. Special Discount of Mind spark - Digital Adaptive Learning Solution: Mind spark is a computer based self-learning program that helps the child hone his/her skills in Months. Through intelligent program logic, it allows each student to follow a learning path that

is based on his/her specific need- at a pace he/she is comfortable with. The interactive interface ensures that the student learns actively by answering questions of progressively increasing complexity levels and not by passively listening to someone, or viewing ready-made solutions. You can subscribe to Mind spark for one, six or twelve months all of which would be offered to you at a special discount of 20%. Students get detailed daily work reports and parents get weekly progress reports free with the subscription. The Young Saver Account The Indus Young Saver account is specially designed to build your childs financial and intellectual wealth. You can avail of the above offers if you open a Young Saver account for Your child which gives you the following additional benefits: Open the account with a minimum deposit of Rs.11/-, this account can be opened as a free add-on account with a regular IndusInd Savings account A combination of Savings Bank Account and Flexi Recurring Deposit Balance in Savings Bank Account will be transferred to a Flexi Recurring Deposit on the last day of every month, leaving Rs.100/in SB account Tenure of Flexi Recurring Deposit - 6 months to 120 months TDS not applicable on Recurring Deposits You can setup Standing Order Instructions from your account to your childs Young Saver Account and watch his savings grow. Whats more, to inculcate healthy saving habits in your child you can request for debit Card where you can set the limit on how much he/she can spend/withdraw on a daily basis. DEPOSIT You have worked hard to earn your money. Now, let your money work hard to earn for you with IndusInd Bank Fixed Deposits.

The BENEFITS of fixing your deposits with IndusInd Bank > Flexible range of tenures to suit your investment plans > Choice of various Fixed Deposit schemes > Interest payable monthly, quarterly, half yearly, annually or at maturity as per your convenience > Interest is payable by cheque or by credit to your Savings / Current account > Competitive interest rates > Nomination facility available > Partial withdrawals permitted > Auto Renewal facility > Special rates for Senior Citizens > Recurring Deposits which encourages savings Eligibility IndusInd Bank Fixed Deposits can be opened by Individuals, HUFs, Sole Proprietorships, Partnership Firms, Ltd. Companies, Guardians on behalf of Minors, Societies, Clubs, Trusts and Associations . Tenure 7 days up to 10 years. Amount > The initial minimum amount to invest is INR 10000.00 > There is no maximum amount .> For Senior Citizens, the minimum amount is INR 50000. >for deposits above INR 1 core, please contact your branch for special rates FLEXI TERM DEPOSIT IndusInd Bank extends flexibility in partial withdrawal of Term deposit without affecting the remaining portion of deposit.

Minimum Deposit amount Rs.10000/Interest Rate As applicable to Term deposits including Senior Citizen benefits TDS on Interest Applicable Deposit Tenor 7 days to 120 months Documents required > Application form > Passport size photograph > Proof of Residence > Introduction Features Term deposit is treated as a cluster of Rs.1000 units and part withdrawals are being treated as closure of units with applicable rate of interest. Nomination facility Available Premature Closure Allowed Best For Individuals and Corporate who are in need of short term investment

SWEEP IN & SWEEP OUT DEPOSIT IndusInd Bank offer Sweep out facility over a cut off limit in CA and SB accounts. Similarly, the Term deposits would be closed

and credited to the CA/SB account (Sweep-in) as and when it is required, with minimum interest loss to the customer Minimum Deposit amount Savings Account- As per the account type held, refer to specific Savings Account product feature Current Account- As per the account type held, refer to specific Current Account product feature Interest Rate As applicable to Term deposits including Senior Citizen benefits TDS in Interest Applicable to the Term deposits Deposit Tenor 30 days to 24 months Documents required > Application form > Passport size photograph > Proof of Residence > Introduction Features Balance over the specified amount maintained in the transaction account, will be automatically transferred to Term Deposit for a predetermined period, as per customers instruction. In case of insufficient balance in the CA/SB account at any point in time, required amount will be transferred to these accounts by breaking deposits to the benefit of the customer Nomination facility Available Premature Closure Allowed

Best For Individuals and Corporate who are getting continuous float in CA/SB YOUNG SAVER DEPOSIT IndusInd Bank inculcate savings habit among children with high return on their savings by linking Savings Bank Account with Flexi Recurring Deposit. Account is being opened and operated by the guardian for the minor Opening Balance Rs.11/Interest Rate As applicable to Term deposits in the case of Recurring Deposit TDS in Interest Recurring Deposits are exempted from TDS Deposit Tenor 6 months to 120 months Documents required > Application form > Passport size photograph > Proof of Residence Introduction Features Balance in Savings Bank account will be transferred to a flexi recurring deposit on the last day of every month, leaving Rs.100/in SB account

SENIOR CITIZEN IndusInd Bank offer special rates to Senior Citizens on Term Deposits Minimum Deposit amount Rs.25000/- No maximum Interest Rate + 0.50% than the actual rate for General Public TDS on Interest Applicable Deposit Tenor 7 days to 120 months Documents required Application form Passport size photograph Proof of Age & Residence Introduction Features Special rate is applicable to Senior citizen those who have completed 60 years of age. In case of joint deposits, the first name should be of the Senior citizen. REGULAR RECURRING IndusInd Bank accumulates your monthly installments with high yield through its Recurring Deposit Scheme Opening Balance Rs.500/Interest Rate As applicable for term deposits including the benefits of Senior Citizens TDS in Interest No TDS as per current regulations Deposit Tenor 12 months to 120 months Documents required Application form

Passport size photograph Proof of Residence Introduction Features Fixed monthly installments are being remitted to Recurring Deposit by a Standing Order, ECS Mandate or by regular direct remittance Nomination facility Available Premature Closure Allowed Best For Business class and Self employed with varying income stream LOANS For construction of a Residential Property Purchase of house / flat Take over of an existing Home Loan For Renovation / Improvement / extension of House Margin 15% of the Property cost as assessed / approved by the Bank Tenure Maximum 120 months Security House property within India. Equitable Mortgage to be created by the borrower. Personal Guarantee by the applicants Power of attorney (POA) holder. This POA should be an Indian Resident Individual and preferably a blood relative of the applicant. Quantum Minimum Loan of Rs.2 lakhs Rate of Interest

(Applicable with reference to the Current BPLR of 17.00%)11.25 % floating rate for a tenor of 2 to 10 years for loan quantum less than Rs.30 lakhs11.75 % floating rate for a tenor of 2 to 10 years for loan quantum more than Rs.30 lakhs Prepayment charges 2% (+ Service tax and cess as applicable)of outstanding amount Processing Charges0.25 % (+ ST & Cess as applicable) of the loan amount applied for as processing fee0.50% (+ ST & Cess as applicable) of the sanctioned loan amount as administrative fee Best For Salaried Individuals. SMALL & MEDIUM ENT For any business to succeed, the availability of funds throughout its life cycle is of paramount importance. We offer a wide range of services to meet all the banking requirements of small and medium enterprises. The limits are fixed keeping in view the enterprise's need for funds against the value of the security, margin available and credit worthiness of the borrower's enterprise. COMMERCIAL VEHICLE LOAN Eligibility > You or your guarantor should have at least 3 years experience in relevant transport operations. If you are new to this field, your guarantor should meet this criterion. > You or your guarantor should own at least one free vehicle. > You or your guarantor should have been a resident of that area at least for three years. > You or your guarantor should own immovable unencumbered property equivalent to the amount financed and a copy of the property deed and tax paid Chillan to be furnished.

> Cash generation potential from the vehicle should be at least 1.3 times of the installment payable after meeting all operational expenses. > Your guarantor should be known to you and should preferably be our existing customer. He should not be your relative. > For special purpose vehicle (e.g. Tippers), you should have concluded contracts covering at least 50% of the proposed contract tenure. Purpose: For the purchase of new and used commercial vehicles of all manufacturers. Documents > Proof of residence - Ration card or Passport copy or Voter's ID > Contract copies for special purpose vehicles/ vehicles deployed against specific contracts > Statement of earlier loans taken Copy of property deed for immovable property owned > RC book photocopies for vehicles owned > Copy of Income Tax and Wealth Tax returns for past two years > Details of your guarantor - his business, net worth, IT returns & Wealth Tax term copies. Partnership Firms > Partnership Deed and authorization letter for partnership firms. > Profit and Loss account and Balance Sheet for past 2 years. > Registration Certificate > Contract copies for special purpose vehicles/ vehicles deployed against specific contracts > Statement of earlier loans taken > Copy of property deed for immovable property owned > RC book photocopies for vehicles owned > Details of your guarantor - his business, net worth, IT returns & Wealth Tax term copies CAR LOAN Eligibility

Salaried Individual :> You should be employed for a minimum of 2 years Your minimum net salary should be Rs 1.5 lakhs per annum Your net monthly take-home salary should be at least 2 times of the total monthly installment including proposed and rent paid Your loan to income ratio to be max 2 times. You should be within 25 - 60 years of age(or retirement age which ever is lesser- at the end of loan period) You should be residing at the current address for a minimum of one year and in the city for 3 years Professional / Partner / Proprietor/Director: You should be in business for a minimum of 3 years. Your minimum gross income should be Rs.1.5 lakhs per annumYour loan to income ratio to be max 2 times. Your Income to Annual emi of proposed loan to be minimum 2 times You should be self employed within 30- 65 years of age. Your current place of residence should be occupied for a minimum of one year and in the city for 3 years Co-borrower You should provide a co-borrower who resides in the same city Co-borrower to give ID proof, Signature verification, Residence proof If necessary, Co-borrower may need to give income documents also Other Terms Two references to be provided for both borrower and co-borrower Minimum Loan amount: Rs 1 lakh for new cars and Rs 50k for used cars Minimum Tenor: 1 year,

Max tenor: 4 years for new cars and 3 years for used cars Loan to Value (%) Up to 85% for new cars and up to 75% for Used Cars (Varies according to models) No of present owners in Used Cars: Maximum 3 Age of Used Car at the end of loan period: Maximum 8 years (Varies according to models) Documentation Salaried individual The salary slips from the last 2 months. Form 16 for latest year Proof of residence. A signature verification from a bank or a valid driving license/Passport copy/Pan card copy and bank statements for the last six months. Proof of two years of employment. Your photograph. Identity proof Telephone number of your office/residence and postpaid or residence landline bill copy Self-employed / Proprietor The balance sheet and profit and loss account attested by a CA for the last 2 years. Copies of Income Tax return and computation of income tax for the last 2 years. Signature verification from a bank/driving license/passport copy/pan card copy and bank statements for the last six months. > Identity proof > Proof of residence. > Telephone number of your office/residence along with postpaid/landline bill copy latest. Partner in a Firm > ITR,computatiion of income, Balance sheet and profit and loss account attested by a CA for the last 2years.

> Bank statements for last 6 months > Partnership deed copy. > Letter of authority/consent letter from all partners to execute the agreement. > Proof of residence, signature verification(Any one of above as indicated) > Identity proof > Telephone bill copy Director in a company > IT returns, Balance sheet and profit and loss account attested by CA for the last 2 years for the company > Bank statements for last 6 months > Individual IT returns in case car is to be in individual name > MOA/AOA of the company > Board Resolution (In case the company is part of the agreement) > Proof of residence, signature verification(Any one of above as indicated) > Telephone bill copy. TWO WHEELER LOAN Eligibility:Salaried Individual (SI) You should be employed for a minimum of 3 years and with the current employer for a minimum period of 1 year. Your minimum gross salary should be Rs.8,000/- per month. Your net monthly take-home salary should be at least 3 times of the monthly installment. You should be within 60 years of age. You should be residing at the current address for a minimum of 2 years. Self Employed Professional/ Non-Professional (SEP/SENP) You should be in business for a minimum of 5 years and in current business for a minimum period of 2years.

Your minimum profit should be Rs.1, 00,000/- p.a. You should be within 60 years of age. Your current place of residence should be occupied for a minimum of 2 years. COMMON NORMS (SI/SEP/SENP) All your existing loan and other fixed commitments would be considered in arriving at the eligibility. Your Bank Account track record and CIBIL data should be good. Your credentials would be verified with references given and independently by doing verification at your residence and place of work / business. DOCUMENTATION Age proof (where your age is <24 years or >58 years). Identity Proof. Proof of Residence. Salary slips for the last 3 months (SI) / copies of Income Tax Return and computation of Income for the last 2 years as filed (SEP/SENP) and Balance Sheet & Profit and Loss accounts duly audited. Last 6 months bank statement of the salary credit account along with all/any other bank accounts held(SI) / of primary bank account (SEP/SENP).Proof of Business (SEP/SENP).Application Form duly filled / recent passport size photograph affixed. CONSTRUCTION EQUIPMENT LOAN Eligibility > You and your guarantor should have a minimum of 2 years experience in construction/relevant field. > The contract against which equipment is to be deployed should be awarded in your name. > If the contract against which the proposed equipment to be deployed is a subcontract, the main contract should guarantee the proposal > Estimated gross receipts from contracts on hand should be at least 2.5 times the finance amount.

> The tenor of the contract against which the equipment to be deployed should be co-terminus with our Hire Purchase contract term. Else you have to provide proof of alternate contracts held/possibility of new contracts.Purpose For purchase of Construction/Earth Mining Equipment of all brands. Documents Individuals > Proof of residence - Ration card or Passport copy or Voter's ID. > Contract copies of contracts executed, on hand and full details of cost against which this equipment is to be deployed. > Statement of earlier loans taken > Copy of property deed for immovable property owned > RC book photocopies for vehicles owned and details/proof of other machinery already owned. > Copy of Income Tax and Wealth Tax returns for past two years. > Details of guarantor - his business, net worth, IT returns & Wealth Tax term copies. Partnership Firms > Partnership deed and authorization letter for partnership firms. > Profit and Loss account and Balance Sheet for past 2 years. > Registration Certificate of Partnership Firms > Contract copies for special purpose vehicles/ vehicles deployed against specific contracts> Statement of earlier loans taken > Copy of property deed for immovable property owned > RC book photocopies for vehicles owned > Details of your guarantor - his business, net worth, IT returns & Wealth Tax term copies LOAN AGNST DEMAT SHARES Indus Demit Cash Scheme

Eligibility Adult Individuals Purpose The loan is given for any of the purposes broadly categorized as under : Personal Purposes: For meeting personal expenses like for marriage, housing, education, medical etc.Business Purposes:For meeting financial requirements for your professional or business purposes other than operations on stock markets Loan Amount Minimum Rs. 1 lac, Maximum Rs.20 lacs Security Equity Shares of the Companies on the approved list of the Bank held in demit form. Margin 40% of the value of shares for approved Stocks only. Value of Shares Current Market Price Period of Loan For 12 months. May be renewed on request, at Bank's discretion: Conditions: Current Account to be opened with the Bank for availing the OD facility Depository Account to be opened with the Bank for holding the Demat shares. Only Demat shares from the Banks' approved list will be accepted as security. However shares held with other Depository Participants may also be accepted as security If the value of shares pledged falls and after deduction of margin amount the residual value is not adequate to cover the outstanding

in the loan account, the amount of shortfall should be paid or additional shares of adequate value should be pledged within 24 hours.

Penal Interest 2% over the applicable rate in case of irregularity or overdue in the account. Default If the shortfall in the account is not rectified either by payment of funds or by pledging additional shares the Bank may at its discretion sell the shares for recovery of its dues wholly or partly, without any notice. Documentation Simple Documentation. LOAN AGNST PROPERTY Loan against Property for Business IndusInd Bank extends credit facilities for business development against collateral security of house property Nature of facility Loan or Overdraft Margin Collateral security of 133% Security Equitable mortgage of property QuantumRs.5 lacs to Rs.50 lacs Repayment60 equated monthly installments Best For Small Businessmen and Traders LOAN AGNST RENT RECD Discounting of Lease Rental IndusInd Bank extends credit limits to landlords who have let out their property to Banks, MNCs and other institutions. Nature of facility Loan or Overdraft Margin25%

Quantum According to the unexpired rent receivable less TDSRs.5 lacks to Rs.100 lacks Security Equitable mortgage of property let out Repayment Out of rental income Best For Landlords LOAN AGAINST MUTUAL FUNDS IndusInd Bank solves your liquidity problem without liquidating your long term investment. Nature of facility Overdraft Margin50% of the repurchase value/NAV.Security Pledge of Mutual funds unit. Quantum Maximum Rs.20 lacs. Repayment Service the monthly interest and settlement of account with own sources or by disposal of units. Best for Individuals investing in Mutual Funds CREDIT AGAINST SPECIFIED SECURITIES IndusInd Bank solves your liquidity problem without liquidating your long term investment. Nature of Facility Overdraft Margin20% of face value Security Pledge of specified security Quantum No ceiling Period Renewable every 12 months Repayment Service the monthly interest. Settle account with own source or by bullet payment at the time of maturity Best for Salaried class and IT payers

TRADERS ADVANCES IndusInd Bank extends Working Capital limits to small traders and businessmen on the basis of turnover and other parameters. Nature of facility Demand Loan / Overdraft Margin25% Security Primary security of stock and collateral security of property. Quantum 20% of annual turnover up to Rs.10 lacs. Projected turnover and audited financial statements for credit limits over Rs.10 lacs and the eligibility would be fixed as per various financial parameters. Repayment By monthly installment / on demand and servicing of monthly interest. Best for Wholesale / Retail traders with valid license / registration REGULAR DEBIT CARD Surprising how a slim piece of plastic with a magnetic strip eases life! Whether it is an ATM card or acredit card, there are definite advantages to the increasing trend of cashless transactions. But not without limitations.The advantage of almost universal acceptability of a credit card comes with a subtle disadvantage of indulging in extravagance without thought of prudence. The ATM card, while ensuring that you do not spend beyond limits also comes with the inconvenience of hunting for an ATM center every time you need cash.Trust technology to come up with the ideal solution that combines the advantage of both the ATM card and the credit card with the limitations of neither: The Debit Card! And trust IndusInd Bank to bring it to you - the IndusInd Bank Visa Power Card - an International Debit Card that is as widely accepted as a credit card but restrains you from overspending!

After all, for someone like you who is going places, you need a card that can accompany you too! The IndusInd Bank International VISA Power Card ensures that there are no inconvenient detours to an ATM Center in your journey to your destination, be it shopping, eating out, traveling or whatever. Using the VISA Electron Online debit card program, your IndusInd Bank Account will instantly debited every time you transact using your Power Card at any VISA-accredited Merchant Establishment or ATM, anywhere across India or the world. Visit your nearest branch for more information and our Customer Service Executive will attend to all your queries. Kindly read the terms & conditions. Benefits International Access to ATM India - Over 350 ATM of IndusInd Bank in India- Over 30,000 VISA / PLUS ATMs in India Use any ATM of our network partner- VISA, MITR, NFS & SBI. International - Over 1 million VISA / PLUS ATMs across the globe Merchant Establishments India - Over 3, 50,000 Merchant locations. International - Over 26 Million Merchant locations. Usage Advantage

The daily limits per card are as follows: At ATMs : Rs. 25,000*At Merchant Establishments: Rs. 50,000* *subject to the balance in your account Eligibility Resident Indians holding any of the following Account(s) with IndusInd Bank Savings Account Current Account (Sole Proprietorship) Comfort Account (Salary Account) Non-Resident Indians holding any of the following NRE Account(s) with IndusInd Bank NRE Savings Account NRE Current Account Charges There is no charge for using the card at IndusInd Bank ATMs. There is no charge for using the card at a Merchant Location (However, at Petrol Pumps and Railway Stations transaction charges are levied as per Industry practice) Tariffs Annual Fee : Rs 100/- per card Duplicate Pin : Rs. 50/- per card Transaction Fee Transaction Cash Withdrawal Balance Inquiry Domestic Visa/ Plus ATMs Free Free International Visa/ Plus ATMs Rs 125/Rs 25/Service tax @ 10.30% will be levied on all fees charged by the bank Activation To enhance security and ensure that your Power Card is not misused, please use your IndusInd Bank Power Card at any IndusInd Bank / Visa linked ATM using the PIN mailed to you separately. You can either check your account balance or withdraw

cash. We recommend that when you change the PIN to one of your choice immediately. Also please keep changing your PIN periodically. Once your Power Card is activated you can start using it immediately at any VISA Merchant Establishment or VISA ATM across the world. If you have an ATM card currently, please cut the ATM Card diagonally into two pieces and discard the same. Lost or Stolen Card In the event of the Power Card being lost or stolen, this must be reported to any branch of IndusInd Bank in India or to the VISA Global Assistance Services Help lines whilst abroad. The loss or theft of the Power Card should be reported to IndusInd Bank immediately. Although loss or theft may be reported by any means, you must confirm the same in writing to IndusInd Bank as soon as possible. A copy of the acknowledged police complaint must accompany the written confirmation. Should transactions be received by IndusInd Bank after the Power Card has been lost or stolen but before receipt of your written communication, you shall be liable for all amounts debited to the account.IndusInd Bank is fully indemnified against any liability (Civil or Criminal), loss, cost, expenses or damages that may arise due to loss or misuse of the Power Card in the event that it is lost and not reported to IndusInd Bank, or lost and misused before IndusInd Bank is informed. Provided you have in all respects complied with the terms and conditions, a replacement Card may be issued at the sole discretion of IndusInd Bank. Should you subsequently recover your Power Card, it must not be used. Please destroy the Power Card by cutting it into several pieces through the magnetic strip. Zero Lost Card Liability Insurance

The insurance benefit provided on the Card will be available as per terms of the relevant insurance policy in force, as long as you are and remain a Cardholder of IndusInd Bank with your account conduct being deemed satisfactory and in the event of the Card and/or account facility being terminated for whatever reason, the benefit of such insurance cover shall automatically and ispo facto cease to be available from the date of cessation of membership. The Zero Lost card liability insurance cover has been taken by IndusInd Bank from National Insurance Company as per the warranties, exclusions and conditions mentioned in the standard policy form and subject to a limit of indemnity as stated in the policy. The cover under this policy is against debits established against IndusInd Bank as a result of the use of a lost or stolen card by any unauthorized person to purchase tangible goods or services. Cover is restricted to seven days from the date of discovery of the theft or loss of the card. The meaning of 'debits' within terms of this policy shall be 'those debits occurring between the time of reporting of loss/theft of Debit Card by the cardholder to IndusInd Bank and the time of hot listing of such a debit card'.IndusInd Bank does not hold any warranty and/or make representation about quality, delivery of the cover, claims processing or settlement of the claim by National Insurance Company in any manner whatsoever. The insurance benefits are available to you regardless of other existing insurance that you may avail of. You may be asked to submit additional documents, as per the requirements of the case.IndusInd Bank will not be liable for any delayed settlement of claims. There will be no coverage provided on cash withdrawals done through ATMs; as such transactions require the use of a PIN which is confidential to you. Global Customer Assistance Numbers Debit Card Cardholders from IndusInd Bank can receive global assistance, 24 hours a day, 7 days a week, when they travel overseas, from VISA Global Customer Assistance Services. These

services can be used for lost/stolen card reporting or miscellaneous information that you may require overseas regarding medical, legal or other matters. GOLD DEBIT CARD IndusInd Bank is pleased to bring you its value added Gold Debit Card . This card is designed for YOU, to exceed your expectations at any of the VISA ATMs or Point-Of-Sale terminals, in any part of the world. Unique Features / Benefits of Gold Debit Card: Usage Advantage The daily limits per card are as follows: At ATMs: Rs. 50,000* #At Merchant Establishments: Rs. 1, 00,000** Subject to the balance in your account# In the case of other Bank ATMs, customer has to do multiple transactions due to the different transaction limits set by different banks. International Access to ATM India - Over 350 ATM of IndusInd Bank in India- Over 30,000 VISA / PLUS ATMs in India Use any of our network partner-VISA, MITR, NFS & SBI International - Over 1 million VISA/PLUS ATMs across the globe Merchant Establishments India - Over 3, 50,000 Merchant locations International - Over 26 million merchant locations Other Benefits 0% fuel surcharge from ANY outlet Personal Accidental Insurance to the tune of Rs. 1,00,000/-Loss of Baggage liability to the tune of Rs. 50,000/-Lost Card Liability to

the tune of Rs. 1,00,000/-Purchase protection to the tune of Rs. 50,000/-Exclusive offers on various Outlets Free transactions on any VISA ATMS in India Mobile Alerts on every transaction 24 hours Customer Care Mobile SIM recharge facility at all IndusInd ATMs Loyalty points on Mobile recharge and POS transactions Tariffs Description of Charges Gold Card Annual Fee Rs. 250/- per card Duplicate Pin Rs. 50/- per card Transaction Fee -Free on any Visa ATMs in India, if an average Quarterly Balance maintained is Rs. 50000/- and above. Transaction Cash Withdrawal Balance Inquiry Domestic Visa/Plus ATM Free Free International Visa/Plus ATM Rs. 125/Rs. 25/Service tax @ 10.30% will be levied on all fees/charges charged by the bank. Global Customer Assistance Numbers: Gold Debit Card cardholders of IndusInd Bank can receive global assistance, 24 hours a day, 7 days a week, when they travel overseas from VISA Global Customer Assistance Services. These services can be used for lost/stolen Card reporting or miscellaneous information that you may require overseas. INDUS MONEY Indus Money A Cash Back Program for IndusInd Bank customers

At IndusInd Bank, we believe that the best banking experiences are those that give you more than just whats expected. And our Indus Money program has been designed keeping this belief in mind. With IndusInd Banks range of Savings Accounts, besides the convenience of accessing your account anytime, anywhere, the Indus Money program rewards you for performing even basic transactions on your account. Banking couldnt have been any more rewarding!!! What is Indus Money? Indus Money' is a unique cash-back program for our customers, which rewards you for all types of spending on your Savings Account viz.: Shopping and e-Shopping Utility Bill Payment, Mobile Top-ups Cash Withdrawals from our ATMs Railway and Airline Ticket Payments Investments into SIP, Stocks, etc. through a Standing Instruction (SI) or Electronic Clearing System (ECS)You can use any of our Direct Banking Channels viz. Debit Card, ATMs and Internet Banking to avail of the benefits under this program. And if you are someone who prefers cash for shopping and miscellaneous payments, you'll not feel left out either, as we reward you for ATM withdrawals as well! Indus Money is available to both Gold Debit Card & Regular Debit Card holders. Please refer to the top left menu for further information on the same. Your rewards will be credited into your account automatically every month. After all, we believe in making Banking convenient for you.

How do I track my Indus Money?

The rewards would be credited to your account the month after transactions are effected. You can track your transactions and Indus Money credits conveniently through: Free Instant SMS Alerts Anytime Transaction History on Internet Banking, ATMs Free Monthly Email Statements All-India Contact Centre for any transaction enquiry etc. Great! How do I get started? This program is available to all Individual Savings Account holders, who take a Gold Debit Card*. The Visa Gold Card comes with attractive features viz.: Higher Cash Withdrawal limit of Rs.50,000/- per day and Purchase limit of Rs.1,00, 000/- per day Personal Accident Cover of Rs.1,00,000/-

Lost Card Liability to the tune of Rs.1,00,000/Purchase Protection & Baggage Insurance to the tune of Rs.50,000/- respectively Exclusive Visa offers on various Outlets 24 hours Customer Care To get your IndusInd Gold Card, simply call our Contact Centre or visit your nearest Branch. Terms & Conditions 1.This Money Back offer is applicable to new and existing Gold Card holders. 2.Only Individual Savings account holders would be able to take the benefits of this offer.

3.Payouts applicable only in those months where average balance is above Rs.50,000/- for Indus Privilege Plus, Rs 20,000.00/- for Indus Privilege and Rs 10,000.00 for all other account products. 4.The credit for transactions in a particular month will be given after 1 month. Example - For transactions done in the month of January, the credit will be posted in the account by February end. 5.The minimum cash back amount should be Rs.20/- and 2 spend transactions (with at least one e-transaction, example- ATM Cash Withdrawal, Debit Card Purchase, Visa Money Transfer, etc) in a month to be eligible for credit into the account. There is no carry forward of cash-back awards to the next month. 6.For ATM cash withdrawals & e-Payments, only transactions above Rs.500/- will be eligible for cash-back. 7.Cash Withdrawal or internal funds transfer through cheque transaction will not be eligible under this program. 8.For cash-back on SI/ECS, pay-out per transaction will be capped at Rs.40/- (Spend of Rs.10,000/-). 9.There is no money-back for fuel transactions on debit card purchase since fuel surcharge is absorbed by the Bank for Gold Cards. 10. IndusInd Bank reserves the rights to withdraw / modify the offer at any time without any notice thereof. WEALTH MANAGEMENT SERVICES IndusInd provides a holistic view of a clients current financial situation. We integrate goalbased financial planning, advanced portfolio management a

nd asset allocation, allowing us to make dependable recommendations and successfully manage valued and trusted relationships. Wealth management and financial planning requires th e consideration of numerous aspects of wealth accumulation, preservation and transfer and their ramifications on you and your family. Through our comprehensive and strategic approach, we assist you in the development of integrated financial strategies that are consistent with your personal goals. With our spe cial expertise and organizational to ols, we help you effectivel y monitor your assets and financial plans. We simplify the demands of managing your wealth in order to enable you to devote more time to your business, your personal endeavors, and your family. In constructing your investment portfolio, we draw upon a comprehensive range of financial products. Depending on what suits your needs best, we can build an asset allocated investment portfolio for you, which could consist of Mutual funds, Equity IPO, I n s u r a n c e , B o n d s , a n d G o l d e t c INVESTMENTS IndusInd Bank offers you personalized investment options to help achieve your financial objectives. Solutions are tailor-made to suit each individual's requirements. We offer a host of financial instruments that includes Fixed Deposits, Mutual Funds, Bonds and Insurance products . GENERAL INSURANCE IndusInd Bank offers customized solutions tha t includ e Accident, Health, Liability, Marine, Motor, Property, Travel & Rural Insurance for individuals as well as corporate customers in association with Cholamandalam MS General Insurance Company Ltd. Cholamandalam MS General

Insurance Company (Chola MS) is a joint venture between the US$ 3 Billion Murugappa Group & Mitsui Sumito mo Insura nce Group Japan.Murugappa Group is a pioneer and market leader in various fields and has strong presence in fertilizers, Sugar, Abrasives, Cycles, bathroom accessories and Consumer finance. Mitsui Sumitomo is the second largest insurance Group of Japan with a net written premium of US$ 12.39 Billion in General Insurance. Chola MS is headquartered in Chennai and has 113 offices spread across India.

Health Insurance

Motor Insurance Home Insurance Travel Insurance IndusInd Bank is the Certified Corporate Agent for Cholamandalam MS General Insurance Company (Chola MS) and nothing contained on the Website shall constitute or be deemed to constitute an advice, an offer to purchase or an invitation or solicitation to undertake any activity or enter into any transaction relating to the General Insurance Products. Participation by all IndusInd Bank customers is voluntary. Insurance is the subject matter of the solicitation

LIFE INSURANCE IndusInd Bank offers customized insurance solutions which offer comprehensive product portfolio meeting all customer life cycle needs of Child planning, Savings, Retirement Planning and Protection in association with Aviva Life Insurance. Aviva Life Insurance India is a joint venture between one of the countrys oldest and largest groups, Dabur, and Aviva plc, the world's fifth largest and the UK's largest insurance group, whose association with India dates back to 1834.With a strong sales force of over 30,000 Financial Planning Advisers (FPAs), Aviva has initiated and pioneered many innovative sales approaches, including the concept of Banc assurance and Financial Health Check services.A seasoned team of fund managers make our fund management are one of the key differentiators with Aviva. Keeping with Avivas commitment of social responsibility, Aviva has been successful in reaching out to the underprivileged strata through their Micro insurance initiatives.

Aviva brings to you, not just a robust product portfolio meeting all your lifecycle needs related to Savings, Retirement, Investments and Protection but right investment strategies that will help you plan for a secured future CORPORATE BANKING IndusInd Bank provides a wide array of commercial, transactional and electronic banking products to corporate clients in India, both large, and small and medium scale enterprises. We have innovative products designed with focused approach to suit requirements of various segments. We offer corporate banking services including working capital finance, term loans, trade and transactional services, foreign exchange and cash management services. The facilities are structured to meet specific needs of the client

taking into account a client's risk profile. With our strong customer oriented approach, we have built relationships with a number of Indian companies including multinationals, well known domestic business houses and public sector companies. For more information on our corporate banking services, please contact our branch nearest you and / or click on the category of your organization. LARGE INDIAN CO We offer credit facilities including working capital finance, term loans, trade and transactional services, foreign exchange and cash management services to large Indian companies. The facilities are structured to meet specific needs of the clients keeping in mind their risk profile. With our strong customer oriented approach, we have built relationships with a number of Indian companies including those belonging to well-known industrial houses. SMALL & MEDIUM ENT For any business to succeed, the availability of funds throughout its life cycle is of paramount importance. We offer a wide range of services to meet all the banking requirements of small and medium enterprises. The limits are fixed keeping in view the enterprise's need for funds against the value of the security, margin available and credit worthiness of the borrower's enterprise. SUPPLIERS & CUST We have products for suppliers and customers of our corporate clients. In order to facilitate completion of supply chain management of our large corporate customers, we extend credit facilities for covering the transactions keeping in mind the requirements of their business associates to minimize their borrowing costs. This ensures minimum paper work and quick transaction delivery. INTERNATIONAL BANKING

IndusInd Bank provides a wide range of international banking products and services to corporate clients, both large and medium, and small-scale enterprises. Innovative products are designed with focused approach and to suit the requirements of the clients. We offer Trade Finance to exporters, both at pre and post shipment stage, in Indian Rupees and Foreign Currencies at competitive price. We also arrange buyer and suppliers credit for our importer clients at competitive rates of interest. Other services include issuance of foreign guarantees, letters of credit, stand-by letters of credit etc. International Division also handles remittance portfolios of Exchange Houses in Foreign Currencies and Indian Rupees under different schemes such as Money Transfer Services Schemes (Money gram, Zoha) and Rupee Drawing Arrangement (under DDA, non DDA and speed remittance schemes). We also handle Bullion trade on consignment basis and satisfy the needs of the gold, silver and other commodity traders in thecountry.Out of our 131 branches, 40 branches are full-fledged authorized dealers in foreign exchange. We have setup Forex Service Cell with centralized foreign exchange operations for the remaining branches. With our customer oriented approach we have built relationships with number of Indian and Overseas Companies as well as International Banks for our domestic and overseas operations. INVESTMENT BANKING We are a boutique Investment Bank (SEBI registered Category I Merchant Banker).We have dedicated team of professionals with vast experience in a wide range of Investment Banking services We work closely with every client to ensure that they get the best results out of our resources. Our sector understanding and expertise as well as our strong domestic and international relationships helps provide clients with the best solutions for all their needs

GLOBAL MARKETS GROUP The treasury of the bank is a very active participant in the interbank market. It mobilizes resources for the bank from domestic as well as international markets and also manages the surplus funds available by deploying it profitably. The treasury is divided into foreign exchange and money market desks. The foreign exchange desk is supported by the sales desk, which interacts with the corporate clients keeping them abreast of the latest happenings in the international markets and advising them on risk management tools available and the best strategies for hedging their exposures CAPITAL MKT The Banks Capital and Commodities Market group has a range of services for different segment of clients like Investors, Brokers, and Corporate etc WHAT IS ASBA? To make the existing public issue process more efficient, SEBI has introduced a supplementary process of applying in public issues, viz. the Applications Supported by Blocked Amount (ASBA). Meaning of ASBA :Application Supported by Blocked Amount (ASBA) means an application for subscribing to a public issue, along with an authorization to Self Certified Syndicate Bank to block the application money in a bank account. Eligibility of investors for ASBA: All investors except Qualified Institutional Buyers (QIBs) are eligible to apply through ASBA in public issues. Self Certified Syndicate Bank (SCSB): SCSB means a banker to an issue registered with SEBI, which offers the facility of Application Supported by Blocked Amount.

IndusInd Bank is an SCSB and will accept applications under ASBA from its accountholders for all public issues. ASBA Process in brief :An ASBA investor shall submit a physical ASBA to the Bank. The Bank shall then block the application money in the bank account specified in the ASBA, on the basis of an authorization to this effect given byte account holder in the ASBA. The application money shall remain blocked in the bank account till finalization of the basis of allotment in the issue or till withdrawal / failure of the issue or till withdrawal /rejection of the application, as the case may be. The application data shall thereafter be uploaded by the Bank in the electronic bidding system through a web enabled interface provided by the Stock Exchanges. Once the basis of allotment is finalized, the Registrar to the issue shall send an appropriate request to theCB of Bank for unblocking the relevant bank accounts and for transferring the requisite amount to the issuers account designated for this purpose. In case of withdrawal / failure of the issue, the amount shall be unblocked by the Bank on receipt of information from the pre-issue merchant bankers through the concerned Registrar to the Issue. Applicability of ASBA process :ASBA process shall be applicable to all book-built public issues. Other information for ASBA investors: 1. Bank shall not accept more than five applications per account per issue. 2. Bank shall not accept any ASBA after the closing time of acceptance of bids on the last day of the bidding period. 3.Bank shall block the highest of the bid amt, in case there are more than one bid. 4. Bank shall give ASBA investors an acknowledgement for the receipt of ASBAs.

5.Bank shall not upload any ASBA in the electronic bidding system of the Stock Exchange(s) unless a. It has received the ASBA in a physical or electronic form and. There is sufficient amount to block the highest bid as per ABA application form. 6.For withdrawal of bids by ASBA investors during bidding period, Bank shall delete the original bid from the electronic bidding system of the Stock Exchange(s) and funds will be unblocked in the relevant bank account as per timelines specified in the ASBA facility. 7. Bank shall make available the information about revision in the bidding period or price band of any issue, as and when received, on its website, for information of ASBA investors. Salient features of the ASBA facility are detailed in circular no. SEBI/CFD/DIL/SABA/1/2009/30/12 dated December 30, 2009 available on SEBI website. NRI SERVICES At IndusInd, we believe that the best banking experiences are those that give you more than just whats expected and our NRI services have been designed keeping this belief in mind. With IndusInd Bank's range of products and features, you get unmatched benefits that extends well beyond your basic banking needs. Our wide network of 180 branches spread across India, strategic alliances with other banks across the globe and representative offices in Dubai and London, ensure that we are always within reach, wherever you are. Experience the world of hassle-free, secure and convenient NRI Banking with IndusInd Bank. Please click on any of the below links for more information on our products and services. DELIVERY CHANNELS

We believe in adding convenience to your banking experience.IndusInd Banks Alternate Delivery Channels give you 24x7 access to its services, from anywhere in the world. RTGS / NEFT What is RTGS? Real Time Gross Settlement (RTGS) System is set up, operated and maintained by Reserve Bank of India to enable funds settlement on real-time basis across RTGS enabled banks in the country. This is the fastest possible money transfer system through the banking channel. The RTGS system is primarily for large value transactions. The minimum amount to be remitted through RTGS is Rs.1 lakh. What is NEFT? National Electronic Funds Transfer (NEFT) system is a nation wide funds transfer system to facilitate transfer of funds from any NEFT enabled bank branch to any other NEFT enabled bank branch. Funds transferred under NEFT will be credited to the beneficiarys account on the same day and there is no minimum or maximum amount for remittance through NEFT.