INTERNET BANKING / MOBILE BANKING

APPLICATION FORM (Individual A/c)

To Date:
The Branch Manager
Saptagiri Grameena Bank,

……………………………… Branch CIF No :

I, Mr/Ms. (“USER”), S/o,D/o,W/o________________________wish

to apply for thefollowing services from SAPTAGIRI GRAMEENA BANK. (Please Tick whichever is required)

Occupation: Date of Birth:

□ Internet Banking □ Mobile Banking (Unique Mobile No. mandatory)

Address: (Res)…………………………….. (Off)………………………………………….

…………………………………………….. ………………………………………..............
…………………………………………….. ………………………………………..............
………………………Pincode……………. ……………………….Pincode ……...............

PAN No: ……………………….................. Mob No: ……………………….......................

E-mail:………………………...................... Primary A/c No:

The following accounts maintained in your branch/o ther branches of your Bank, may please be linked under
the Internet Banking / Mobile Banking Services.

Account type Mode of Operations

S.No Branch Name Account Number(s)
SB/CA/TD E or S/ A or S/ Joint
1
2
3

For availing the

• I note to maintain minimum balance stipulated. I am agreeable to pay charges as fixed by the Bank. I also
note that if primary account designated by me is closed, I will have to forego the Internet Banking facility.
• I authorise Saptagiri Grameena Bank to debit my account No. at
branch towards the related charges

I have read, understood and I agree to abide by the terms and conditions governing Internet Banking services. Once my r equest f o r
Internet Banking Services is accepted and my user ID is activated by the bank, all my linked accounts (including any new acco unts that m a y
be opened with my customer ID subsequent to the issue of Net Banking User ID and password) will be covered under the rules governed from
time to time.

Date: SIGNATURE

INSTRUCTIONS FOR FILLING THE FORM

1 . Please mention the CIF No.
2 . The CIF No of the customer will be the user-id for the Internet Banking Services.
3 . Mobile No is compulsory in case of customer is availing Mobile Banking.
 INTERNET BANKING / MOBILE BANKING
APPLICATION FORM (Individual A/c)

For office use only

The request of Customer (NAME) for the services requested may

be enabled.

Signature of the Branch Manager.

CUSTOMER NO IS:

1) The mode of operations for all his declared accounts have been verified and found Correct.
2)Signatures of Joint holders have been verified and found Correct
3)The users have been enabled for

□ Internet Banking □ Mobile Banking (Unique Mobile No. mandatory)

RECORD FORMED PART OF THE FILE (FILENAME)

(Signa ture-Sy stem Administra tor)

 INTERNET BANKING / MOBILE BANKING
APPLICATION FORM (Individual A/c)

TERMS AND CONDITIONS

1. Definitions

Unless the context indicates otherwise:

BANK refers to SAPTAGIRI GRAMEENA BANK, a Regional Rural Bank and having its registered office at #19/565-11, 3rd Floo r, Op p:
Venkateswara Theatre, Vellore Road, Chittoor – 517 002. A.P., India. The term includes the successors and assign s of th e SAPT AGI RI
GRAMEENA BANK.

SAGBNetBanking is the trade name of BANK’s Internet Banking Service through the Internet.

USER refers to a customer of the BANK authorised to use Saptagiri Grameena Bank’s Internet Banking Service.

ACCOUNT refers to the User’s Savings and/ or Current Account and/ or any other type of account so designated by the Bank to be eligible
account(s) for operations through the use of Internet Service of Saptagiri Grameena Bank.

One of these accounts will be designated as Primary Account. All other accounts (if any) of the USER will be called Secondary Account(s).

The USER should be either the account holder and sole signatory or authorised to act alone when there is more than one signatory. An account
in the name of a minor or in which the minor is a joint account holder, is not eligible to avail the SAGBNetBanking Services

TERMS refer to Terms and Conditions for use of Internet service as specified in this document. These TERMS form the contract between the
USER and the BANK. By applying for and accessing the service the USER acknowledges and accepts these TERMS. These TERMS will be
in addition to and not in derogation of the terms and conditions relating to any account of the customer.

2. Application for SAGBNetBanking Service

The BANK may offer to select customers at its discretion. The BANK will advise from time to time the Internet software such as Br o wser s
which are required for using. There will be no obligation on the BANK to support all the versions of this Internet software.

3. SERVICE OFFERED

The BANK shall endeavour to provide to the USER, services such as

a. Enquiry about the balance in his/her account(s),
b. Details about transactions,
c. Statement of Account,
d. Request for issue of cheque books and
e. such other facilities as the BANK may decide to provide from time to time. These facilities shall be offered at the discretion of the BANK.
The Bank may also make additions/ deletions to the services offered through at its sole discretion. The availability/ n on - availab ility o f a
particular service shall be advised through e-mail, Web page of the BANK or written communication.
The BANK shall take reasonable care to ensure the security of and prevent unauthorised access to the SERVICE using technology reasonably
available to the BANK.
The USER shall not use or permit to use or any related service for any illegal or improper purposes.

4. Joint Accounts

In case of joint accounts only if the mode of operation is indicated as ‘either or survivor’ or ‘anyon e o r s ur viv or’ the SAGBNetBan king
Services are available. For these joint accounts one User-ID will be issued to one of the joint account h o lders . T h e o th er jo int accou nt
holder(s) shall expressly agree with this arrangement and give their consent on the application form for use by that authorised person. In ca se
any of the jointaccount holder(s) gives "stop payment” instructions in respect of operations through the use of SAGBNetBanking Service in
writing, on any of the accounts held jointly by them, the SERVICE will be discontinued for the USER.

5. Access to the SAGBNetBanking service

Bank will allot USER-ID and a secret password in the first instance. The USER is advised to change the password assigned by the BANK on
accessing for the first time. As a safety measure the USER shall change the password as frequently thereafter as possible.
In addition to User-ID and Password the BANK may, at its discretion, advise the USER to adopt such other means of authentication including
but not limited to digital certification and/ or smart cards.
The USER shall not attempt or permit others to attempt accessing the account information stored in the computers of the BANK through any
means other than the Bank’s SAGBNetBanking service.

6. Password

The USER shall

A. Choose a password which shall be at least 6 characters long and shall consist of a mix of alphabets, numbers and special characters. T his
shall not relate to any readily accessible personal data such as the USER’s name, address, telephone number, driver licence e tc. o r ea sily
guessable combination of letters and numbers.
B. Not record the User-ID and password in a written or electronic form and commit them to memory and
C. Keep the User-ID and password totally confidential and not reveal the password to any third party.
D. Not let any unauthorised person have access to his computer or leave the computer unattended whilst accessing.
E. Take all care so that his/her USER ID and password are not used by any other person.

If the USER forgets the User-ID or password, he/she can request for change of the password by sending a written request to th e BANK o r
reset the same through SAGBNetBanking service with registered mobile no and CIF No. The selection of a n ew p asswor d an d/ o r th e
replacement of User-ID shall not be construed as the commencement of a new contract.
 INTERNET BANKING / MOBILE BANKING
APPLICATION FORM (Individual A/c)

7. Minimum Balance and Charges

The Bank may, at its discretion, stipulate at any time for maintaining certain minimum balance or levy any charges for availing the
SAGBNetBanking services of the Bank. The USER shall maintain, at all times, such minimum balance in account(s). The BANK may , a t its
discretion, levy penal charges for non-maintenance of the minimum balance. In addition to the minimum balance stipulation th e Ban k m ay
levy service charges for use of which will be advised to the USER at the time of opening the account. These charges may be published on the
Website of the BANK. Any change in the stipulations shall be notified on the BANK’s Website 15 days in advance of the changes taking effect.
The USER authorises the BANK to recover all charges related to as determined by the BANK from time to time by debiting one o f USER’ s
accounts.

The BANK may withdraw the facility, without giving any notice to the USER and/ or without incurring any liability or responsibility whatsoever
by reason of such withdrawal.

8. Authority to the Bank

The BANK shall have no obligation to verify the authenticity of any transaction received from the USER through or purporting to have bee n
sent by the USER via other than by means of verification of the User-ID and the password.
The display or printed output that is produced by the USER at the time of operation through Bank’s Internet access shall not be construed a s
the BANK's record. The BANK’s own records of transactions maintained through computer systems or o therwise s hall b e accepted a s
conclusive and binding for all purposes unless any discrepancy is pointed out within a week from the date of sending the periodical statement
to the USER or the updation of the passbook.

All transactions arising from the use of, to operate a joint account, shall be binding on all the joint account holders, jointly and severally.

9. Accuracy of Information

The USER is responsible for the correctness of information supplied to the BANK through the use of SAGBNetBanking or through any othe r
means such as electronic mail or written communication. The BANK accepts no liability for the consequences ar isin g o ut o f er ro ne ous
information supplied by the USER. If the USER suspects that there is an error in the information supplied to th e BANK b y h im, h e s ha ll
advise the BANK as soon as possible. The BANK will endeavour to correct the error wherever possible on a ‘best efforts’ basis.

If the USER notices an error in the account information supplied to him through SAGBNetBanking or by the use of any of the ser vices, h e
shall advise the BANK as soon as possible. The BANK will endeavour to correct the error promptly.

10. Liability of the USER and the BANK

If the USER has complied with the TERMS and advises the BANK in writing under acknowledgement immediately after he suspects that his
User-Id or password is known to another person and/ or notices an unauthorised transaction in his account, he shall not be liable f or lo sse s
arising out of the unauthorised transactions occurring in the accounts after the receipt of such advice by the BANK.

The USER shall be liable for any loss from unauthorised transactions in the accounts if he has breached the TERMS or contributed or caused
the loss by negligent actions.

The BANK shall not be liable for any unauthorised transactions occurring which can be attributed to the fraudulent or negligent conduct of the
USER.

The BANK shall in no circumstances be held liable to the USER if access is not available in the desired manner for reasons including but not
limited to natural calamity, floods, fire and other natural disasters, legal restraints, faults in the telecommunication networ k o r I nter ne t o r
network failure, software or hardware error or any other reason beyond the control of the BANK. Under no circumstances shall the BANK be
liable for any damages whatsoever whether such damages are direct, indirect, incidental, consequential, and irrespective of whether any claim
is based on loss of revenue, investment, production, goodwill, profit, interruption of business or any other loss of any ch ar acter o r n atur e
whatsoever and whether sustained by the USER or any other person.

11. Indemnity

The USER shall indemnify and hold the BANK harmless against any loss suffered by the BANK, its customers or a third party or any claim or
action brought by a third party which is in any way the result of the improper use of SAGBNetBanking by the USER.

12. Disclosure of PERSONAL INFORM ATION

The USER agrees that the BANK or its contractors may hold and process his PERSONAL INFORMATION on computer o r o therwise in
connection with services as well as for statistical analysis and credit scoring. The USER also agrees that the BANK may disclose, in str ic t
confidence, to other institutions, such PERSONAL INFORMATION as may be reasonably necessary for reasons inclusive of, but not limite d
to, the following:

· For participation in any telecommunication or electronic clearing network

· In compliance with a legal directive

· For credit rating by recognised credit scoring agencies

· For fraud prevention purposes

 INTERNET BANKING / MOBILE BANKING
APPLICATION FORM (Individual A/c)

13. BANK's Lien

To the extent of all outstanding dues, whatsoever, arising as a result of the using SAGBNetBanking Service extended to and/ or u sed b y th e
USER, the BANK shall have the right of set-off and lien, irrespective of any other lien or charge, present as well as future o n th e d eposits
held in the USER’s Primary Account and/ or Secondary Account(s) or in any other account, whether in single name or joint name(s),

14. Proprietary Rights

The USER shall not attempt to modify, translate, disassemble, decompile, or reverse engineer the software underlying or create any derivative
product based on the software.

The USER acknowledges that the software underlying the SAGBNetBanking SERVICE as well as other Internet related so ftware which a r e
required for accessing are the legal property of the respective vendors. The permission given by the BANK to access will n ot con vey a n y
proprietary or ownership rights in the above software.

15. Change of Terms and Conditions

The BANK has the absolute discretion to amend or supplement any of the TERMS at any time and will endeavour to give prior notice of fiftee n
days for such changes wherever feasible except for changes to interest rates and/ or other variations that are subject to market changes. T he
BANK may introduce new services within SAGBNetBanking from time to time. The existence and availability of the new function s will be
notified to the USER as and when they become available. The changed terms and conditions applicable to th e n ew SAGBNetBank ing
services shall be communicated to the USER. By using these new services, the USER agrees to b e b oun d b y th e ter ms an d co ndition s
applicable.

16. Non-Transferability

The SAGBNetBanking service shall be used only by the USER, and it is not transferable under any circumstances.

17. Termination of service

The SAGBNetBanking service can be terminated on the following grounds.

· Request by the USER by giving a written notice of at least 15 days to the BANK.

· The BANK may withdraw the facility anytime provided the USER is given reasonable notice under the circumstances.

· The BANK may suspend or terminate facilities without prior notice if the USER has breached these terms and conditions or the BANK learns
of the death, bankruptcy, or lack of legal capacity of the USER.

· If the service is withdrawn by the BANK for a reason other than the breach of the terms and conditions by the USER, the BANK’s liability
shall be restricted to the prorate return of the annual charges, if any, recovered from the USER for the period in question.

· The closure of all accounts of the USER will automatically terminate the Service.

18. Notices

Notices under these Terms and Conditions may be given by the BANK and the USER:

· Electronically to the mailbox of either party. Such notices will be regarded as being in writing.

· In writing by delivering them by hand or by sending them by post to the last address given by the USER and in the case of the BANK to the
address mentioned in the heading above. The bank shall in no way be held responsible for any non-receipt of the same.

In addition, the BANK may also publish notices of general nature which are applicable to all USERS of SAGBNetBanking on its web site.
Such notices will have the same effect as a notice served individually to each USER.

19. Governing Law

These terms and conditions and/ or the operations in the accounts of the USER maintained by the BANK and/ or the use of the services provided
through SAGBNetBanking shall be governed by the laws of the Republic of India and no other nation. The USER and the BANK agr e e to
submit to the exclusive jurisdiction of the Courts located in Chittoor, India as regards any claims or matters arising und er th ese term s a nd
conditions.

The BANK accepts no liability whatsoever, direct or indirect, for non-compliance with the laws of any country other than the Republic of India .
The mere fact that the service can be accessed through Internet by a USER in a country other than India shall not be interpreted to imply tha t
the laws of the said country govern these terms and conditions and/ or the operations in the accounts of the USER and/ or the use of.

20. General

The clause headings in this agreement are only for convenience and do not affect the meaning of the relative clause. The USER shall not assign
this agreement to anybody else. The BANK may sub-contract and employ agents to carry out any of its obligations under this contract.