PHONE BANKING SERVICES
The Bank may offer, from time to time, various facilities under this service either through staff assistance or by dialing in choices on an automated phone banking system. .

For security purposes and to protect Customers and its staff and also to help resolve disputes, if any, Bank may at its discretion tape or record telephonic conversations between Customer and the Bank, keep record of it, as also Customer instructions and listen to the same, and Customer accords his consent for the above.

NET BANKING SERVICES
The Bank will take reasonably practicable steps to ensure that systems used by it for providing Net Banking Services contain adequate security safeguards; control and manage the risks in operating such systems, taking into account any applicable law, rules, regulations, guidelines, circulars, codes of conduct and also prevailing market practices. Customer is aware of the risks, responsibilities and liabilities involved in Net Banking and has after due consideration availed of the same. Customer represents and warrants that he has a complete working knowledge of computers/electronic machinery, e-mail and the Internet, which will enable Customer to avail the Net Banking.

Transaction :Payment Instruction for effecting transfer of funds may be in respect of transaction under taken by the Customer and which may not materialise or get completed by acts or omissions of the persons in whose favour such payment instructions have been effected. The Bank shall not be responsible and/or liable or in any way involved in such transaction of the Customer not materialising or getting completed.

Any transaction for transfer of funds as per the instructions of the Customer may not materialise or get completed for any reason whatsoever and for such non materialisation and/or non completion of the transaction the Bank shall in no way be responsible.
The Customer understands that the Bank is only providing Services of transfer of funds pursuant to Customer's instructions.

The terms and conditions applicable in respect of the Net Banking are made available at the Bank’s Website and the Customer is required to read the same before availing of Net Banking Services. If the Customer avails of the Net Banking Services it would be deemed that he has accepted these Terms and terms and conditions for Net Banking Services.

Use of Digital Signatures/Smart Cards/Biometrics and Opening Online Accounts The Bank reserves the right and discretion to permit the use of digital signatures using the Public Key Infrastructure System as provided for under the Information Technology Act, 2000/biometrics for opening a Bank Account online and operating such Bank Account or the existing Account, as per Banks’ policy or as and when the law authorises and technology facilitates such transformation..

Protecting Against Viruses: : Customer must take all reasonably practicable measures to ensure that Customer’s system or any computer or other equipment or device from which Customer accesses the Net Banking is free of any computer virus or similar software/device including, without limitation, devices commonly known as software bombs, Trojan horses and worms (“Viruses”) and is adequately maintained and secured in every way. Though the Bank will take steps to prevent introduction of virus and other such destructive materials on the Bank’s Website, it does not represent, warrant or guarantee that the Bank’s Website or the Content downloaded from the Bank’s Website or Linked Websites do not contain such virus or destructive materials. Bank is not liable for any damage or harm attributable to such virus or destructive materials. The Bank does not warrant that the Bank’s Website or functions thereof will be uninterrupted or free of any error or defect.

Extent of Liability For Loss Or Damage: Bank will not be liable for any loss or damage, whether direct, indirect, consequential, remote or special, that may be suffered by the Customer as a result of making/not making the Net Banking Service available to Customer. Following are the illustrative list (but not exhaustive) of circumstances in which Bank shall NOT be liable to Customer: When such loss or damage arises out of Force Majeure or Technical Snags; any incompatibility between Customer’s system and the Bank’s system; any misuse of Customer’s system by Customer or anyone else; any access to information about Customer’s Accounts which is obtained by a third party as a result of Customer using the Net Banking; use by any third party of Customer’s Password/ PIN; loss/distortion/ corruption of data during transmission or otherwise; any loss/delay due to circumstances beyond Bank’s control, unavailability of Net Banking Services during the Business Hours.

CASH/DEMAND DRAFTt/BANKERS CHEQUE DELIVERY SERVICES

The customer acknowledges and agrees that the Designated Representative for Cash / Demand Draft / Bankers Cheque Delivery Services appointed as per terms of the Service prescribed by Bank will arrange for sending of fax to Bank as per Banks’ prescribed format, within prescribed time. The Bank and / or its agency shall wait at the customer location for a maximum of one hour for effecting the delivery of cash / Demand Draft / Bankers Cheque. Bank shall offer Cash / Demand Draft / Bankers Cheque Delivery Services to Customers and persons availing the Services on the terms and conditions as may be prescribed by Bank from time to time in connection with the Services. For this purpose, ‘Designated Representative’ means a person appointed by the Customer / persons availing the Cash / Demand Draft / Bankers’ Cheque Delivery Services from the Bank for the Customers of the Bank.

The Customer agrees to execute all documents that may be prescribed by Bank from time to time for availing these Services.

The customer acknowledges and agrees that Demand Draft / Bankers’ cheque delivery will also be effected only against a cheque for the requested amount made payable to “Yourselves”.

The Customer Acknowledges that he is aware of the risks attendant to the facsimile instructions and the Bank may (but shall not be obliged to) act on any facsimile instruction even if there is any error / lack of clarity / authority or authenticity and the Bank may treat the same as fully authorised and binding on the Customer, AND the receipt of fax instruction from the customer by bank shall be deemed to be conclusive instructions from Corporate Salary Account Customer of Bank, for the Bank to act upon the same.

The Customer acknowledges and agrees that the Bank shall not be responsible / liable for any loss / damage caused to the customer or its employees who avail of the Services, arising on account of non-delivery / delayed delivery of services in case of any failure of communication equipment at the Bank / Corporate Customer or receipt of illegible instructions through fax or whatsoever reason.

The Customer agrees that Bank shall place complete reliance on all documents / instructions so given by Customer to Bank and that the Bank shall not be required to make any further enquiries into the veracity / authority and competence of the signatories / executants thereof.

The Customer shall give their consent in the format acceptable to Bank on the terms and conditions as prescribed by Bank and furnish the same to the Bank as and when required by Bank. The furnishing of Consent Letter is a condition precedent for the availing of these Services.

By availing of the Services, the Customer will be deemed to have agreed to and accepted all the above terms & conditions. While the Bank shall use reasonable precautions, the customer is acknowledges that these services are provided on a “No Warranty or Risk basis”. The Customer agrees that the Bank shall have no liability to Customer or any other parties for any indirect, incidental, punitive or consequential costs, damages or otherwise with respect to the Bank offering these services and the Bank shall not be liable or responsible on account of any misuse of the Services. The Customer agrees to keep the Bank indemnified in this regard.

Customer agrees that in the event of breach of any of the terms by Customer and /or any Agent or Representative, the Customer shall be liable to pay damages and compensation to Bank. The Customer agrees that damages & compensation shall include all direct & indirect damages claims, costs, charges, expenses that may be caused to or incurred or suffered by the Bank (inclusive those on account of any actions or proceedings by or against the Bank) directly or indirectly consequent to or by reason of the breach.

GLOBAL DEBIT CARD
Issuance: The Bank may at its discretion issue a debit card (“Card”) to the Customer, which is valid for use in India and abroad, however it is not valid for foreign exchange payments in India, Nepal & Bhutan. A PIN will be allotted that allows the Customer to access his Accounts at Bank’s ATMs, VISA network ATMs, any other ATMs with whom the Bank may enter into an agreement with and can be used at POS Terminals. The Cardholder shall take all the necessary steps to prevent the misuse of the Card. The Card may be used only by the Cardholder in whose name it is issued and is not transferable under any circumstances.

Validity: The Card is valid for the period defined on face of the Card. The Bank may at its sole discretion extend the validity of the existing Card or replace the same. After the expiry of the Card the Cardholder shall destroy the Card by cutting/ breaking the same into 4 pieces.

Loss of Card: If the Card is lost/stolen Cardholder must immediately inform the Bank in person or by calling the Phone Banking number. In case of loss of Card abroad, the Cardholder may either call the Phone Banking number or the VISA Global Assist service number. Additionally the Cardholder should also file a report with the local police and send a physical true copy thereof to the Bank. The Bank upon receipt of intimation and after adequate verification of the Cardholder identity shall hot list the Card. The Customer shall be liable for all Charges incurred on the Card till receipt of intimation of loss through above prescribed modes. The Customer however continues to be liable on Charges, if any, incurred post sending intimation by any other mode apart from prescribed modes as above till the same is actioned/ hot-listed by the Bank.

Any instruction received by the Bank for hot listing of a Card cannot be revoked, even if the Card reported lost is subsequently found. In such a case, the Cardholder shall destroy the Card and shall indemnify the Bank for any loss suffered due to the failure to do so

Authority to Debit the Customer's Account: The Customer authorises the Bank to debit his Account with the amount of withdrawals, transfers or any other cash transaction effected by the use of the Card as per the Bank’s records and the Charges, which may be levied from time to time for the services rendered. All such transactions and related Charges will be binding on all Customers of the Account. In case of Non-individual Accounts the use of the Card by the user who has been duly authorised by such a Non-individual Customer shall be binding on the Customer and the Bank shall not be liable for any loss or expense suffered by the Customer.

Supplementary Cards: At the request of the Customer, the Bank at its sole discretion may issue more than one Card for the same Customer. All transactions on all the Cards issued with respect to an Account shall be binding on the Customer absolutely and he shall not be entitled to claim that a transaction on any of the Cards was not authorised by him. The Bank reserves the right to debit additional fees for the issue of Supplementary Cards.

Add on Cards: At the request of the Customer, at its sole discretion the Bank may issue Add On Card. The Add On Cardholder may avail of all the facilities (upto specific limits set by the Customer within the prescribed limit as set by the Bank). All Charges incurred by or as applicable for the Add-On Card will be deemed as Charges incurred by Customer who will be fully liable for discharge of all obligations in respect of all the transactions performed by the Add On Cardholder.

Ownership: Card shall be and always remain the property of Bank and the Cardholder must return the same to the Bank forthwith or have the same returned to the Bank, on demand made by the Bank in this regard or closure of the Account. In the event of any misuse of the Card, the Bank reserves the right to seize/capture/hotlist/deactivate the Card or withdraw the facilities connected with the Card without any notice to the Cardholder.

Linking of Accounts: All Accounts of the Customer, existing or opened in the future, if eligible as per the Operating Mandate, will automatically be linked to the Card unless specifically instructed otherwise by the Customer. In case the Customer has more than one Account linked to his Card, the first Account opened by the Customer will be designated as the Primary Account. The Customer can designate any other Account as his Primary Account by way of giving instructions to the Bank in the manner prescribed by the Bank. The Customer can access all Accounts at any of the Bank’s ATMs, however, only the Primary Account can be accessed on any other Bank’s ATM/ POS network.

ATM/POS Network: The Card is acceptable at any Visa Plus ATM network belonging to other banks other than the Bank in India and Abroad. Bank may, at its discretion, make available to the Cardholder ATMs, POS, and /or other devices through shared networks for the convenience and use of the Cardholder. Bank will levy a separate Charge for such facilities that will be announced from time to time. The type of transactions offered on such ATMs may differ from those offered on the Bank’s own network. The Bank will support only the minimum transaction set that will be offered at the ATMs belonging to other networks. The Bank reserves the right to change the transaction limit without notice to the Cardholder.

Should the Cardholder have any complaints concerning any Visa/Plus ATM network establishment, the matter should be resolved by the Cardholder with such establishment and failure to do so will not relieve him from any obligations to the Bank. However the Cardholder should notify the Bank of this complaint immediately.

Merchant Location Usage: The Card will normally be honoured by all Merchant Establishments in India and abroad having POS Terminals, which display the Visa Marks. Any usage of the Card other than the electronic use will be considered as unauthorised and the Cardholder will be solely responsible for such transactions. Electronic usage is construed as the charge slip/transaction slip printed electronically from the POS Terminal. The Card will be honoured only when it carries the signature of the Cardholder. Transactions are deemed complete once the POS Terminal generates a sales slip and the sales slip is signed by the Cardholder. The amount of the transaction is debited immediately from the primary Account linked to the Card. The Cardholder should ensure that the Card is used only once at the Merchant Establishment for the same purchase. The sales slip will be retained each time the card is used and the Cardholder should ensure that there is no multiple usage of the Card at the Merchant Establishment.

The Bank will not accept any responsibility for any dealings the Cardholder may have with the Merchant including but not limited to the supply of goods and services. Should the Cardholder have any complaints concerning any Merchant Establishments, the matter should be resolved by the Cardholder with the Merchant Establishment and failure to do so will not relieve him from any obligations to the Bank. However, the Cardholder should notify the Bank immediately.

The Bank accepts no responsibility for any surcharge levied by any Merchant Establishment and debited to Cardholder’s Account with the transaction amount. The Bank at an additional charge may furnish copies of the sales slip. Any other Charge or other payment requisition received from a Merchant Establishment by the Bank for payment shall be conclusive proof that the charge recorded on such requisition was properly incurred at the Merchant Establishment in the amount and by the Cardholder referred to in that charge or other requisition, as the case may be, by the use of the Card, except where the Card has been lost, stolen or fraudulently misused, the onus of proof for which shall be on the Cardholder. In case a Merchant wishes to cancel a completed transaction due to an error or an account of merchandise return, the earlier sales receipt must be cancelled by the merchant and copy of the cancelled receipt must be retained in his possession. All refunds and adjustments due to any Merchant/device error or communication link must be processed manually and the Account will be credited after due verification and in accordance with Visa rules and regulations as applicable. The Customer agrees that any debits received during this time will be honoured based only on the available balance in the Account(s) without considering this refund. The Customer also indemnifies the Bank from such acts of dishonouring the payment instructions. No cash withdrawal or deposit using the Global Card is currently allowed at POS or Electronic Data Capture at a Merchant Location.

Use of the Card Outside India: The use of the Card in jurisdictions other than India is subject to GOI/RBI regulations, issued from time to time and shall not in the ordinary course be permitted, except as may be specified by RBI and limits prescribed therein, from time to time. The onus of ensuring compliance with FEMA/RBI/GOI guidelines rests solely with the Cardholder. The Customer accepts full responsibility for wrongful use thereof by him in contravention of these rules and regulations and undertakes to indemnify the Bank to make good any loss, damage, interest, conversion, any other financial Charges that the Bank may incur and/ or suffer on account of such wrongful use.

Cardholder Information: The Bank reserves the right to disclose, in strict confidence, to other institutions/agencies, such information concerning the Cardholder’s Bank Account/s as may be necessary or appropriate in connection with its participation in any ATM or Electronic Funds Transfer Network or on account of the Bank’s statutory obligations

Honouring the Card: The Bank shall in no circumstance be held liable to the Cardholder or any third party if the Card is not honoured in the desired manner, due to Technical Snags/ Force Majeure among other reasons or on account of any consequential or indirect loss or damage arising from such event. The responsibility of the Bank, if any, for non-execution or defective execution of the transaction is limited to the principal sum and the loss of interest subject to the provisions of the Indian law.

Deposits Through ATM: The amount of the deposit of cash or cheque will be subject to verification by the Bank and this verified amount shall be final and binding on the Customer. The credit for (i) the cash deposits made in the ATMs will be available to the Customer on the following Working Day, and (ii) the cheque deposits after the same have been duly paid by the payee Bank.The statement issued by the ATM at the time of deposit only represents what the Cardholder purports to have deposited and will not be binding on the Bank. If there are soiled, mutilated notes in such deposits, the acceptance of such deposits shall be subject to final acceptance and reimbursement by RBI as per the Currency Note Refund Rules. Deposits of foreign currency cash/ cheques or any other deposits, which are unacceptable, shall be returned, at the Customers cost, risk and responsibility.