Applicability of Terms and Conditions No Customer is entitled to use the MBS without understanding and agreeing to the Terms and Conditions for Mobile Banking Service. By using the MBS, the Customers thereby agree and consent to these Terms and Conditions, which form the contract between the Customer and Bank. MBS shall be governed by such terms and conditions as amended by the Bank from time to time. These terms and conditions shall be in addition to and not in derogation of other terms and conditions relating to any Account of the Customer and/or the respective product or the service provided by the Bank unless otherwise specifically stated.

• The Facility will be available to Customers having a Savings/ Current /Overdraft with the Bank.
• The daily upper ceiling under the Facility, per Customer shall be Rs.50,000/-  for aggregate of fund transfer, bill payment and merchant payment for Savings Account and Rs.200,000/- for Overdraft/Current a/c per day.
• (a) NEFT/RTGS facility available for customer with transfer limits as below: NEFT & RTGS (Mobile Banking)

NEFT / RTGS Timing

09.30 hrs-18.00 hrs NEFT	09.30 hrs-17.30 hrs RTGS	2 nd  & 4 th  Saturday, Sunday & Bank Holidays
₹1 - ₹5 Lakh	₹2 - ₹5 Lakh	Nil
₹ 5 Lakh to 50 Lakh	₹ 5 Lakh to 50 Lakh	Nil
Cash Credit/Overdraft/ Current A/cs : Customer Requirement.	Cash Credit/Overdraft/ Current A/cs : Customer Requirement.	Nil

Per Day	Per Transaction	Max Limit
₹2 Lakh	₹50,000	₹2 Lakh

NEFT/RTGS Service charges (In Branches):-

Particulars	NEFT/RTGS Charges
Up to ₹10,000	₹2.5 + GST
₹10,001 - ₹1,00,000	₹5 + GST
₹1,00,001 - ₹2,00,000	₹15 + GST
Amounts above ₹ 2,00,000	₹ 25 + GST

Customer agrees to use services via MPIN and authorizes bank transactions.

Bank may modify services, record transactions, and send promotional messages.

Bank may charge fees and update them anytime.

Customer must provide correct information. Bank not liable for errors.

Customer responsible for MPIN security and all transactions.

Bank not responsible for system failures, delays, or third-party issues.

In consideration of the Bank providing the Facility, the Customer agrees to indemnify and hold the Bank harmless against all actions, claims, demands proceedings, loss, damages, costs, charges and expenses which the Bank may at any time incur, sustain, suffer or be put to as a consequence of or arising out of or in connection with any services provided to the Customer pursuant hereto. The Customer shall indemnify the Bank for unauthorized access by any third party to any information/instructions/triggers given by the Customer or breach of confidentiality.

When the Service is used by the Customer through SMS Banking, the USER ID and MPIN will be part of the message, which is being sent by the Customer to the Bank for completing the transactions. It will be the responsibility of the Customer to delete such message from the sent items folder in the message box of the Mobile handset to ensure against possible misuse and safeguard the interests of the Customer and the Bank.

Governed by Indian laws. Jurisdiction: Baran courts.

• The Facility and the terms and conditions of the same are governed by the applicable laws in India.
• Any dispute or claim pertain to the Facility and /or the terms and conditions herein are subject to the exclusive jurisdictions of competent courts/tribunals/forums in Baran and the Customer agrees to such exclusive jurisdictions in Baran.