RefNo : 12992153

STATE BANK OF INDIA

APPLICATION FORM FOR YONO BUSINESS

To,The Branch Manager,

SECTION 1: Organization/Business Details

I/We wish to register our business/organization for YONO Business,

Name of the Organization:

CIF Number:
91123856114

PAN #:

Constitution:
FIRMS-PROPRIETORY

SECTION 2: Services Requested

I/We wish to register our firm/company/corporation for availing one of the following services and
facilities offered by State Bank of India on the YONO Business Platform (Checked Box represents the
facility the user has subscribed to):

Enquiry Only

Enquiry and Transactions

Corporate Internet Banking <>

SECTION 3: User Details

I/We wish to register our business/organization for availing one of the below mode of operation (Checked Box
represents the facility the user has subscribed to):

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Single User

Multi User with Single Admin

Multi User with Multiple Admins

Multi User with Multiple Admins and No Regulator

Enquiry and Transaction - For Single User - FIRMS-PROPRIETORY

I request you to register myself as a user for accessing my accounts on YONO Bussiness with following details

Mobile Number:
91|9949336256

Please note the user credentials will be shared on the above-mentioned mobile number.

Email Id:
[email protected]

Address1:
202, BANDI Trimulagerry 56 APO Secunderabad

Address2:
null

City:
Hyderabad

State:
36

Country:
IN

PIN Code:
500015

SECTION 4: Signature by Authorized Signatories

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FIRMS-PROPRIETORY

I have read the provisions contained in the 'Terms and Services' document and accept them

Signature:

Name:

Designation:

Date:

Place:

Checklist for Documents

1. Application Form .
2. KYC for Users

For Branch Use

Requirement Yes/No Signature

Authorized signatory signatures verified

KYC documents verified

SECTION 5: Terms and Services

Bank refers to State Bank of India (SBI).

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1. YONO Business Banking refers to services being made available or to be made available to the customers of State Bank of
India rendered through multiple applications on the portal (website and/or mobile application) of YONO Business (hereinafter
called 'the YONO portal').

2. CUSTOMER refers to a Corporate customer of SBI availing the banking services, products and delivery channels such as
internet banking, mobile banking, cash management, e-payment, eTradeSBI, eForex, OnlineSBI etc., and such other facilities
as may be made available by the Bank (hereinafter collectively referred to as the e-Banking Services) through the YONO
portal.

3. USER refers to a person authorised by the CUSTOMER who would be actually operating the YONO portal on behalf of and
as agent of the CUSTOMER

General

1. M/S --------------------------------- hereinafter called as the customer agrees to avail the e-banking services of State Bank of
India (SBI) through the YONO portal. The Customer do accept such terms, regulations, conditions, stipulations laid down by
SBI, from time to time, for the purpose.

2. The Customer agrees to execute from time to time necessary agreement form(s), authority letter(s) and any other related
documents for this purpose.

3. SBI is hereby authorized by the Customer to accept all valid instructions through the YONO portal over electronic medium
by using valid Username/Password from the authorized signatories or authorised officals or users in respect of Firm's
account(s) as per the operating rules from time to time.

4. SBI accepts the obligations to maintain the confidentiality, privacy and integrity of the transaction completed on the YONO
portal. Record in respect of the transactions entered through the YONO portal will be maintained by the SBI in accordance with
existing practices of SBI.

5. SBI reserves the right to modify, change, add or cancel any of the e-banking services offered through YONO Portalor the
Terms of Service listed in this Document. The changes will be notified to the Customer/ User.

6. Normally, the Customer can access his accounts through the YONO portal only after the receipt of the USER ID and
Password sent to him / her.

Operating Environment

1. The User is free to choose a Username and Password of his choice as per the guidelines on the YONO Portal. However, he is
advised to avoid choosing a password that is a dictionary word or is guessable / inferable from personal data such as name, date
of birth, address, telephone number, driving licence / car number etc.

2. The User can access e-banking services from anywhere, anytime. However, as a matter of precaution and safety, he should
avoid using PCs with public access.

3. In the interest of customer safety the system does not permit retrieval of a lost or forgotten Password. In case the User forgets
his Password, he will have to register for a duplicate password and a fresh Password will be issued to him.

4. In case of an unintended termination of a valid session due to break in Internet Connectivity, it is suggested that the User
login afresh and verify the status of last requested transaction and ensure that it has been recorded successfully

5. The customer is free to select a password of own choice for e-banking services. As a precaution a password that is generic in
nature, guessable or inferable personal data such as name, address, telephone member, driving license, date of birth etc. is best
avoided. Similarly it is a good practice to commit the password to memory rather than writing it down somewhere.

SBIs Terms

1. YONO Business banking is a service offered by SBI as per the Terms contained herein and SBI is within its rights to deny
access or withdraw access if the Customer/User is found to be acting in violation of the said terms.

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2. Transactions originated by the Users are logged and transmitted to Core Banking System of the Bank for fulfillment. The
requests take effect only after the requests are successfully processed by the Core Banking System. The rules, regulations and
conventions applicable to the banking transactions in the physical world will be applicable mutatis mutandi for the transactions
done through the YONO portal. For the present transaction requests would be processed at the branch during the business hours
on the same day or next working day.

3. SBI's obligation and remedy in the event of interruption to the facility or loss of use and/or access to the e-banking services,
shall include taking all reasonable measures to restore the e-banking services and/or access thereto as soon as reasonably
possible.

4. SBI shall not be liable for any direct, indirect or consequential loss or damage sustained by the Customer by any direct or
indirect use of or reliance on the electronic communication, orders or messages. SBI shall also not be liable to Customer for any
loss or damage caused arising in connection with the e-banking service and/or this terms and conditions, on account of
interruption or stoppage to the access to and/or use of the e-banking services arising on account of circumstances not
attributable to SBI or beyond control of the SBI.

5. Without prejudice to anything contained herein, SBI does not warrant to the Customer that the e-banking service will be
provided uninterrupted or free from errors or that any identified defect will be corrected; or the e-banking service shall provide
any function not set out or described in any associated documentation provided by the SBI.

6. Though SBI strives to maintain the quality of service, timely delivery and execution of the instructions given by the
Customer , the same is not guaranteed by SBI and SBI does not accept any responsibility for not effecting or not completing
any transaction entered into on the e-banking service due to any break-down in computer hardware or software systems
including any break-down of internet services or any delay or default of service providers from whom SBI has availed of the
services for providing the e-banking service.

7. SBI may for valid reasons refuse to execute any instructions placed by the Customer.

8. All transactions executed through a valid session as defined above will be construed to have been emanated from the user
and will be legally binding on him / her. The user is cautioned against leaving the computer unattended during a valid session.

9. The authorisation granted to a user is valid till he is de-registered from the e-banking services. The request for de-registration
of a user must be made to the branch by the customer and will be effective when branch acknowledges the same in writing.

10. The duties and responsibilities of Users are described in the user manual. SBI shall not be liable for any loss the Customer
may suffer due to acts of omission and commission by the User.

11. The Customer agrees to pay charges/fees for e-banking services as may be prescribed from time to time.

12. The Bank reserves the right to modify the services offered or the Terms of e-banking service. The changes will be notified
to the customers through a notification on the YONO portal.

13. SBI is not bound to enquire as to whether or not the User has been duly authorized to access the e-banking services on
behalf of the Customer by an appropriate or competent authority of the Customer. Accordingly, a person using the e-banking
services on behalf of the Customer shall be presumed by SBI to have the authority to have access to the e-banking services.

14. Notwithstanding anything contained herein, where SBI has reason to believe that any transaction/debits or marking of liens,
have been fraudulently made (referred to as a ???????suspect transaction????????, where ever mentioned ), SBI shall be entitled
to withhold payment pertaining to such suspect transaction in accordance with regulatory laws relating to Money Laundering
etc. If SBI determines after due enquiry and investigation that the transaction is a valid transaction and not a suspect
transaction, SBI shall release such withheld payment. Provided that SBI shall not withhold payment to the Customer without
sufficient cause, which shall be informed by SBI to the Customer on the finding of such sufficient cause. Provided further that
if within the period of 6(six) months SBI determines after due enquiry and investigation that any suspect transaction is not a
valid transaction at all, SBI shall reverse the invalid transaction, consequently the Customer shall be liable to SBI for the
resulted outstanding balance, if any.

15. Rules and regulations applicable to normal banking transactions in India will be applicable mutatis mutandis for the
transactions executed through the YONO Portal.

16. SBI presupposes, and the same is acknowledged by the Customer, that log-in using appropriate Username and Password is
a valid session initiated by none other than the Customer or User to whom the said Username and Password belongs. The SBI
shall rely upon all electronic communications, orders or messages to SBI through the internet and SBI shall take it for granted
that the originator of the communication is the Customer or User to whom the User ID/Password has been issued.

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17. All other accounts not listed in the registration form for YONO Portal will be available on the YONO portal for the purpose
of enquiry only.

18. The e-banking service cannot be claimed as a right. The Bank may also convert the Service into a discretionary service
anytime, if so warranted, after it has been made available to the Customers.

19. All requests received from the USERS are logged and transmitted to the Customer's branch for fulfillment. The requests
become effective from the time these are recorded / registered at the respective branch. While registering the request, the USER
is informed about the time normally taken by the Bank for fulfillment of such requests.

20. Customer should register for e-banking services like Corporate Internet Banking, eTrade, eForex etc with the branch where
they maintain the account.

21. Bank will make reasonable use of available technology to ensure security and to prevent unauthorised access to any of these
services.The YONO Business banking service is VERISIGN certified which guarantees, that it is a secure site. It means that
customer/user are dealing with SBI at that moment. The two-way communication is secured with 128-bit SSL encryption
technology, which ensures the confidentiality of the data during transmission.

Customer's Obligation

1. The Bank presupposes that log-in using appropriate Username and Password is a valid session initiated by none other than
the USER to whom the said Username and Password belongs.

Obligation of the Firm

1. Any dispute between Customer and the SBI with regard to the transactions done through the e-banking services will be
subject to the jurisdiction of the competent Courts where the SBI branch maintaining the related account of the Customer is
located and will be governed by Indian Laws in force from time to time.

2. SBI has taken care to protect the confidentiality and integrity of customer data/transaction on the e-banking services. At the
same time this is a joint endeavor of the SBI and the customer. SBI, therefore, expects the customer to appreciate the risks
unique to transacting on the Internet and take precautions, as it may deem fit, in the interests of protecting confidentiality and
transactional integrity. It is highly recommended that the advices of the IT department of the Customer or an external
consultant be sought in this regard. Similarly, for best results it is suggested that the customer's internal processes may be
aligned to the procedures prescribed for the system.

3. The Customer hereby undertakes and agrees to protect SBI against all claims and liabilities arising directly or indirectly as a
result of any breach or non-performance by any user or any act, neglect or default of the user.

4. By signing the e-banking services Registration Form the Customer has confirmed that the terms contained herein contained
shall constitute the agreement between SBI and the Customer for the use of the e-banking services/ YONO Portal.

5. User/Customer are requested to visit their account on the YONO Portal frequently for transacting business or viewing
account balances. If they believe that any information relating to their account has a discrepancy, please bring it to the notice of
the concerned branch by e-mail or letter.

6. The customer should keep the User ID and password strictly confidential and should take steps to ensure that the same are
not divulged to a third party or an unauthorised person. Any loss sustained by the customer due to noncompliance of this
condition will be at its own risk and responsibility and the Bank will not be liable for the same in any manner.

7. It may not be safe to leave the computer unattended during a valid session. This might give access to account information to
others.

8. The customer will not attempt or permit others to attempt accessing the YONO portal through any unlawful means.

9. The Customer hereby undertakes and agrees to protect SBI against all claims and liabilities arising directly or indirectly as a
result of any breach or non-performance by the user or any act, neglect or default of the user.

10. The User must keep the Username and Password strictly confidential and known only to himself. It is a good practice to
commit the password to memory rather than write it down somewhere. SBI is not responsible for loss sustained by the Firm due
to breach of this condition. The User is also cautioned against leaving the computer unattended during a valid session.

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11. Should the User notice that any information relating to the Customer's account(s) appearing on e-banking servies in the
YONO Portal is incorrect or discrepant the same should be immediately brought to the notice of the branch (es) of SBI by
telephone/e-mail or letter.

12. The User will not attempt or permit others to attempt accessing e-banking service through any unlawful means.

13. The User undertakes that if any wrongful use or misuse of the system is noticed by the User or any other person authorized
by the Customer it shall be the responsibility of the User to bring the same to the notice of SBI forthwith and the User shall also
co-operate with SBI in the event of SBI giving any alert about such wrongful use or misuse of the e-banking services/YONO
Portal.

14. The User undertakes not to disclose the conditions or any of the transactions made or entered through the e-banking
services.

15. The Customer agrees to pay charges/fees for the e-banking services as may be prescribed from time to time.

Security

1. The Bank will take reasonable care to make use of the available technology for ensuring security and preventing
unauthorized access to any of the services offered through the e-banking services.

2. The YONO Business is a secured site. It assures that during the session user is dealing with web site of SBI; the two-way
communication is secured with 128-bit SSL encryption technology, which ensures the confidentiality of the data during
transmission. The access-control methods designed on the site afford a high level of security to the transactions conducted on
'eTradeSBI'

3. The green User-id and Password generated by the system must be replaced by UserName and Password of customer's choice
at the time of first log-on. This is mandatory.

4. There is no way to retrieve the Password from the system. In case the USER forgets his / her Password, he / she will have to
approach the admin/branch for re-issue of password.

5. The bank presupposes that login using valid Username and Password is a valid session initiated by none other than the
customer through the user.

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