Schedule of Charges

Smart Salary Exclusive

Effective October 1, 2012
Minimum Maintenance
Average Quarterly Balance (AQB) AQB Non-maintenance charges Nil Nil DD Issuance - FCY Traveler's Cheque Issuance ^ Cheque Collection - FCY ` 2 / ` 1,000 (Min. ` 250, Max. ` 1,000) 1% Commission ` 2 / ` 1,000 (Min. ` 250, Max. ` 1,000)

Savings Exclusive

Minimum Maintenance

Savings Exclusive

Foreign Exchange Services *

Payment Services
Intra-Bank Fund Transfer - Branch Intra-Bank Fund Transfer - NetBanking RTGS Payment - Branch RTGS Payment - NetBanking NEFT Payment - Branch NEFT Payment - NetBanking Payable At Par Cheque Usage DD payable at YES BANK locations - Branch DD payable at YES BANK locations - NetBanking DD payable at Correspondent Bank locations Free Free Free Free Free Free 50 Txns Per Month Free; ` 2 / Txn thereafter Free Free 3 Per Month Free; ` 2.5 / ` 1,000 (Min. ` 50, Max. ` 5,000) thereafter Card Type Annual Fee Cash Withdrawal - India Balance Inquiry - India PIN Regeneration Charge Slip retrieval Foreign Outward Remittance Foreign Inward Remittance

Remittance Services *
` 500 inclusive of SWIFT Charges Free

Debit Cum ATM Card

Domestic Gold Free Free Free ` 50 / Instance ` 250 / Instance ` 25 / Instance ` 149 / Instance 3%

Collection Services
Intra-Bank Fund Transfer Collection RTGS Collection NEFT Collection Cheque Collection - Local Clearing Outstation Cheque Collection - YES BANK locations Free Free Free Free Free (plus ` 20 courier charges) Up to and including 5,000; ` 25 / Instrument Outstation Cheque Collection - Correspondent Bank locations (Instrument value) Above 5,000 and up to including 10,000; ` 50 / Instrument Above 10,000 and up to including 1,00,000; ` 100 / Instrument Above 1,00,000; ` 150 / Instrument Outstation Cheque Collection - Other locations (Instrument value) Cash Deposit *(I) ` 25 / Instrument Free

ATM Declines due to insufficient funds Replacement of lost / stolen Debit Card Cross Currency Mark-up

Doorstep Banking Services^

Pick-Up or Delivery of instruments Cash Pick-Up / Delivery upto ` 3 Lacs*(II) Cash Pick-Up / Delivery above ` 3 Lacs upto ` 8 Lacs*(II) Cash Pick-Up / Delivery above ` 8 Lacs upto ` 15 Lacs*(II) Cash Pick-Up / Delivery above ` 15 Lacs*(II) 5 Visits Per Month Free; ` 100 / Visit thereafter 10 Txns or upto ` 20 Lacs Free Per Month each for Cash Pick-Up and Cash Delivery. Thereafter +` 200 / Txn upto ` 3 Lacs, +` 250 / Txn above ` 3 Lacs upto ` 8 Lacs, +` 600 / Txn above ` 8 Lacs upto ` 15 Lacs, +` 1.500 / Txn above ` 15 Lacs

* See guidelines for details

^ Please check with the branch for the availability of this service

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For Debit Card linked to account opened before November 30, 2013: If there has been an international transaction earlier, the limit for such transactions will be reset to Zero. For other cases, there will be a standard limit for internationalATM and merchant transactions. You can opt for Platinum International Chip Debit Card for better security and for availing higher limits on international transactions.

Schedule of Charges
Miscellaneous Services
Cheque Return - Insufficient funds ECS Return - Insufficient funds Cheque Return - Local Clearing Cheque Return - Outstation Collection Stop Payment of Cheques - Branch SWIFT Charges Dormancy Activation Account Closure Money Monitor Annual Fee Depository Annual Maintenance Charge SMS / E-mail Alerts (Day end balance / transactions above a threshold / low balance) Utility Bill payment - NetBanking ` 300 / Cheque ` 200 / Return ` 50 / Cheque ` 50 / Cheque ` 50 / Instruction ` 500 Free Free ` 249

Smart Salary Exclusive Effective October 1, 2012

Basic Banking Services Account Opening Mobile Banking Registration Phone Banking Registration NetBanking Registration Investment Services Registration Nomination Facility Payable at Par Cheque Book Any Branch Banking Quarterly statement by post Monthly statement by post Standing Instruction maintenance - Branch Standing Instruction maintenance - NetBanking ECS Instruction Balance Inquiry - Branch Balance Inquiry - Mobile Banking Balance Inquiry - NetBanking Replacement of damaged Debit Card e-commerce payment - NetBanking Mutual Fund investments - Branch Mutual Fund investments - NetBanking Stop Payment of Cheques - NetBanking Stop Payment of Cheques - Mobile Banking Cancellation of DD payable at YES BANK locations Cancellation of DD payable at Other locations DD Revalidation Passbook Issuance Banker's Verification (Signature / Address / Photograph) Retrieval of Cheque / Instruction Free Free Free Free Free Free Free Free Free N.A. Free Free Free Free Free Free Free Free Free Free Free Free ` 50 / Instruction ` 100 / Instruction ` 50 / Instructtion Free ` 100 / Verification Free within 1 year of date of issue, ` 100 / Cheque thereafter

Free Account Opening. Lifetime 50% AMC waived off Free

Free

Common Guidelines
! ! ! ! ! ! ! ! In the event of no salary credits in the account for a continuous period of 3 months, the account will be converted to Savings Account. Card Rates apply for all Foreign Exchange conversion transactions less than US$ 20000 (or equivalent). The charges for Forex transactions mentioned in the schedule of charges does not include any charge that may be levied by the originating/correspondent bank Applicable tax & surcharge will be levied on all foreign exchange sale and purchase transactions. In case of insufficient funds in the account, for recovery of charges, YES BANK reserves the right to force debit or make repeated attempt(s) to recover charges due. The charges mentioned in the schedules are exclusive of taxes as applicable from time to time. Average Quarterly Balance (AQB): AQB is the average daily balance maintained by the customer for a period of 90 days. It is a Summation of Daily Closing balances for a period of 90 Days/90. This account variant was earlier known as Salary Gold

Common Guidelines
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