Important information regarding your ING Account (for the statement period ended 31st October) 2013) Revision

in Schedule of Charges for Savings Customers Revision in Quarterly Average Balance (QAB) Non Maintenance Charges: We would like to inform you of the revised service charges to be applicable ending December 31, 2013, for your Savings account, as follows: Minimum QAB to be Revised QAB SB Account Type maintained charge (in Rs.) Less than ING General SB Rs.1500 5,000 Metro/Urban (1001) 600 Less than ING Orange Non Metro Rs.1500 5,000 (1065) 900 Less than ING Orange Metro Rs.3,000 10,000 (1079) 900 Less than ING Zwipe Non Metro Rs.6,000 20,000 (1082) 900 Less than ING Zwipe Metro Rs.7,500 25,000 (1078) 900 Less than ING Platina Rs.30,000 1,00,000 (1019) 1200 w.e.f. the quarter Non-maintenance Rs.1500-Rs.5000 500 Rs.1500-Rs.5000 750 Rs.3,000 Rs.10,000 750 Rs.6,000 Rs.20,000 750 Rs.7,500 Rs.25,000 750 Rs.30,000 Rs.100,000 1000

Please note: The revised charges will be levied w.e.f. the third quarter of the financial year i.e. October-December 2013 Service taxes, as applicable, will be charged in addition to the fee amount QAB Non-maintenance charges for products not mentioned above will remain unchanged Illustration: A customer operating an ING Orange Savings Account in a Metro is required to maintain a minimum Quarterly Average Balance of Rs. 10,000 in the account If in the forthcoming quarter (October 1 December 31, 2013), this customer maintains less than Rs. 3,000 in her account, she will be charged a QAB non-maintenance fee of Rs. 900 plus service tax. If in the forthcoming quarter (October 1 December 31, 2013), this customer maintains between Rs.3000 Rs.10,000 in her account, she will be charged a QAB nonmaintenance fee of Rs. 750 plus service tax.

Introduction of charge for ATM Decline transactions

We would like to inform you that w.e.f. November 1, 2013, a fee of Rs. 25 plus service tax will be debited from your account for each instance of a cash withdrawal transaction being declined on any ATM due to insufficient funds. Limited period offer on NRE deposits ING Vysya Bank offers 9.75% p.a. on 1097 days to < 5 years NRE deposits (12.37% p.a. yield). The principal + interest amount is fully repatriable and tax free in India. What's more, enjoy zero penalty on pre-closure. This is a special limited period offer. To know more visit: www.ingvysyabank.com/ Charges Revised for PAP/CTS Cheque Leaflets The charges for PAP/CTS cheque book has been revised to Rs. 2.50 from Rs. 5.00 per cheque leaflet for General, Comfort, Advantage, and Flexi Current Accounts. These charges will be applicable over and above the free cheque limits for your product type. Service Tax will be extra. IMPORTANT KYC Updation As per RBI guidelines, Banks are required to periodically update their customer identification documents, including photograph. In this regard, we request you to contact your Relationship Manager / Branch to submit a self attested copy of your identity proof, address proof and latest photograph along with the duly filled Customer Identification form, which is available at all our branches. Kindly note the original ID and Address proof documents will be required for verification. This is applicable for all holders in a Joint Account. Please note that submission of these documents is mandatory for uninterrupted operation of your account. Invest in SIP - Grow your Wealth Invest in Mutual funds through Systematic Investments Plan (SIP) by investing a pre-stipulated amount every month and see your investment corpus grow. The Mutual funds can be chosen based on your risk profile from a recommended set of funds. Choose the best way to save money and grow your personal wealth, logon to your Internet banking account or call us at 1800 300 29292. Shop with your ING Debit Card and you could win a 3 Day trip to Europe to watch a UEFA Champions league match. 4 Trips to Europe & over 500 prizes still to be won. Heres what you need to do to qualify: Swipe your ING Debit card twice for Rs.500 each or more in a fortnight* to qualify There are 5 fortnightly* contests starting from November 1, 2013 to 31st December 2013. (i.e. 1st- 15th Nov, 16th- 30th Nov, 1st- 15th Dec, 16th- 31st Dec) All qualifiers will be asked to complete a slogan* o The best slogan every fortnight wins a trip to Europe (5 Trips to Europe to be won) o The First 100 qualifiers every fortnight will receive a UCB Sports Bag absolutely free To know more, visit www.ingvysyabank.com/europe or call 18004209900

Introducing ING Mobile Introducing the ING Mobile banking app for the Apple iPhone and iPad. Download today by visiting the App store on your iPhone or iPad and login with your Net banking id to discover a whole new banking experience. ING Mobile lets you access your accounts, fixed deposits, investments, loans, demat and a lot more: Access your account balance with the Balance Meter. No need to sign in Seamlessly send an SMS to the beneficiary when you transfer funds Set alerts for your bills on the phone calendar Store your cheque images on the app Send an e-GV to a friend & much more

Need assistance? Just give us a missed call at 01246746606 to get the download link. Cheque clearing will now be faster and easier As per regulatory requirements, under Cheque Truncation System (CTS) clearing, non CTS format cheques will not be accepted in clearing from 1st Jan 2014. Please call phone banking or contact your nearest branch to order CTS format cheques. Introduction of OTAC on Email functionality for Business Internet Banking OTAC (One Time Authorization Code) for Business Internet Banking transactions is now being sent on Email in addition to SMS. All existing users of the platform will now receive the OTAC message on their email id (maintained with the Bank at their individual customer id level) in addition to their mobile phones with immediate effect. ING Smart Future Insurance Plan - Exclusively for ING Vysya Bank Customers With ING Smart Future Insurance Plan, make your money work smart for you. Flexible and suited to varying life needs, this plan comes with a host of benefits like Comprehensive Life Cover, 3 Smart Invest strategies, and Life Partner Benefit. Be in control and get future smart. Please contact your branch manager for a free financial planning session today.
* ING Vysya Bank is a corporate agent for ING Life Insurance Co.

Banking Ombudsman Contact details

Ahmedabad (Gujarat, Union Territories of Dadra and Nagar Haveli, Daman and Diu ) Tel.26582357/ 26586718 ; Bangalore (Karnataka)Tel.22210771/22275629 ; Bhopal (Madhya Pradesh and Chattisgarh)Tel 2573772/2573776; Bhubaneswar (Orissa) Tel. 2396207/2396008 ; Chandigarh (Himachal Pradesh, Punjab and Union Territory of Chandigarh and Panchkula, Yamuna Nagar and Ambala Districts of Haryana) Tel. 272 1109/2721011; Chennai (Tamil Nadu, Union Territories of Puducherry(except Mahe Region) and Andaman and Nicobar Islands) Tel. 2539 9170 / 25395963; Guwahati (Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland and Tripura)Tel.

2542556/2540445; Hyderabad (Andhra Pradesh)Tel. 23210013/23243970; Jaipur (Rajasthan) Tel. 5107973/5101331; Kanpur (Uttar Pradesh (excluding Districts of Ghaziabad and Gautam Budh Nagar) and Uttaranchal ) Tel. 2306278/2303004; Kolkata(West Bengal and Sikkim) Tel. 22306222/22305580; Mumbai (Maharashtra and Goa) Tel. 24924607/24960893; New Delhi (Delhi, Jammu & Kashmir, Haryana (except the districts of Ambala , Yamuna Nagar and Panchkula and the districts of Ghaziabad and Gautam Budh Nagar of Uttar Pradesh) Tel. 23725445 / 23710882; Patna (Bihar and Jharkhand)Tel. 2322569/2323734; Thiruvananthapuram(Kerala and Union Territory of Lakshadweep and Union Territory of Puducherry (only Mahe Region).)Tel. 2332723/2323959

Abbreviations
a/c: Account; AMC: Annual Maintenance charges; Adj:Adjustment; Amt:Amount; Bal:Balance; BP:Bills Purchased; BF:Brought Forward; Coll:Collection; Comm:Commission; Cr:Credit; Chg/chrg:Charge; Chq:Cheque; CP:Cheque Purchase; Dep:Deposit; DD:Demand Draft; DW:Dividend Warrant; Dr:Debit; EFT:Electronic Fund Transfer; HC:Handling Charges; Int:Interest; Inop:Inoperative; Ins:Insurance; Ln:Loan; Min:Minimum; NEFT:National Electronic Fund Transfer; OBC: Outward Bill for Collection; Os:Outstanding; Pr:Principal; Proc: Processing Charges; Ret/rtn: Return; RTGS: Real Time Gross Settlement; RD: Recurring Deposit; SC: Service Charges; Txn:Transaction; TD: Term Deposit; Tr: Transfer; QAB: Quarterly Average Balance; Wdl: Withdrawal

If you have any queries or require clarifications, call ING Phone Banking anytime @ 1800 425 9900/1800 420 9900, toll free from your landline or mobile.