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ICICI Bank has designed a gamut of accounts and deposits to cater to your unique
banking needs. Add this to our extensive branch & ATM network and facilities like
mobile, phone, internet and doorstep banking, and experience banking at its best.

Dream Deposits Plan:

All of us have µdreams¶. We dream for ourselves, for our families,, friends and
relatives and for society at large too.

Some of our dreams are need based, while some aspirational.

The dreams that are close to us; they mean everything.. We all want to nurture them
and if possible secure them so that we can accomplish them under all odds.

So be it our child¶s education, daughter¶s marriage, owning a home, driving our car
or planning our retirement, it is imperative that we secure them at all costs.

To secure them, you need to plan your finances prudently, based on your needs and
aspirations at different points in time. A plan that gives you the flexibility in terms of
choices that suit your needs and an assurance of a return that is safe and secure.

ICICI Bank is proud to present   ! A unique offering of four deposit

plans that enable you realise your dreams at every stage of your life.

Fixed Deposit:

° Wide range of tenures.

° Choice of investment plans.
° Partial withdrawal permitted.
° Safe custody of fixed deposit receipts.
 ° Auto renewal possible.
° Loan facility available.

Features:

You can invest in our Fixed Deposit for as long as you wish between 7 days to 10
years.

All fixed deposits come with a set choice of investment plans. Fixed Rate Deposit
accounts also provide Fixed Loans. Re -investment Fixed Deposit rates do not
change but work like a Recurring Debit Account transaction. In other words, Re -
investment Plans are compounded over traditional deposits and hence are more
lucrative over different time periods.

Benefits:

Fixed Deposits at ICICI Bank comes with nomination facility. We also offer online
access to your Fixed Deposits through our Internet Banking channel . Internet
Banking at ICICI Bank allows you to connect your Credit Card, Loan and your Fixed
Deposit with your savings account.

In re-investment deposits, the interest is compounded quarterly and reinvested with

the principal.

Recurring Deposits:

ICICI Bank
" are an ideal way to invest small amounts of money
every month and end up with a large kitty on maturity.

High " #$$" and " % can be a drain on your finances
and hence large investments may seem a plan away.
Let us help you in processing your recurring payment through our recurring billing
software that keeps track of your investments with us. This can be easily availed of
through a "  $ that comes with letting us serve you through
Internet banking. You may even transfer funds through Internet banking into your
" & A recurring account transfer gets done in seconds through
Internet banking.

Features:

With our "' you can avail a host of facilities with ICICI Bank. You
may check on "  (#$ , "  %#$ ,
") and all "'# .

A "' with ICICI Bank allows you a loan against the deposit.
Our new recurring deposit account also has a special feature - Non-applicability of
Tax Deduction at Source (TDS).

The minimum balance of deposit is Rs.500 per month and thereafter in multiples of
Rs.100. The tenure ranges from 6 m onths to a maximum period of 10 years,
recurring deposit of 3 months thereafter.

The "' also comes with a nomination facility.

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° Debit-cum-ATM Card
° Money Multiplier Facility
° Internet Banking
° Customer Care
° Mobile Banking
° Standing Instructions
° Nomination facility
° DD Call and Collect
 ° #!!
, ' ! With ICICI Bank c("  you will get a
debit card that you can use to withdraw cash from any ATM. You may also
use your debit card to directly make purchases through a Visa/Mastercard
POS (Point of Sale) machine available at mo st stores! This will help you
access your money from anywhere.
° ,% ,$$ $% - Allow us to take care of your idle money by
moving it into -"-(" earning.
° *" - Banking could not have been more convenient. Ju st log in
with your user ID and password and make banking a hassle -free routine.
°   - Our 24-hour Customer Care is always available to answer
any query or take your instructions.
° ,#$ *" - Transferring funds or getting to know your bala nce is as
easy as sending an SMS.
° c'"  - ICICI Bank accepts and supports Standing
Instructions. You don't have to worry about the chore of carrying out a routine
transaction. Just set up a Standing Instruction and leave it to us to manage .
°  $% - You may nominate a person as beneficiary to your
account proceeds.
°  $$ ' $$ - Don't waste even a minute in a queue to collect a
Demand Draft or Pay Order. On the way to the branch, just call Customer
Care, provide details of the DD to be prepared and collect it ready and signed
at the branch.

Privilege Banking:

Choose the ICICI Bank Privilege Banking account to enjoy exclusive benefits across
wide range of product and services.

The Privilege banking account variants we offer are - silver, gold and titanium; each
designed to suit your specific needs. In addition to benefits like money multiplier,
nomination facility, internet banking and mobile banking, you can avail other special
privileges like:

° Priority service at all ICICI bank branches and through Customer Care.
° Preferential rate on purchase of ICICI Bank pure gold and foreign exchange.
° Discount on annual fee for safe deposit locker.
° Special rates on ICICI Bank loans.
° Preferential rate on DD/ PO charges.
° Multi-city cheque book.
Salary Account:

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What's so special about ICICI Bank Salary Account?

ICICI Bank Salary Account is a benefit -rich payroll account for Employers and
Employees.

As an organization, you can opt for our Salary Accounts to enable easy
disbursements of salaries and enjoy numerous other benefits too.

With ICICI Bank Salary Accounts your employees will enjoy the convenience of :

° Having the largest network of ATMs at their command.

° Free 24 hour Phone Banking.
° Free Internet Banking.

All you would require to do is to send ICICI Bank an advice (in form of a
cheque/debit instruction, ecs, etc) for the total salary amount along with the salary
details of the designated employees in a soft and hard copy format and we will credit
the respective employees' accounts as per your statement of advice.

ICICI Bank Salary Accounts benefits you in more than one ways: -

° Reduces your paperwork.

° Saves remittance costs.
° Employees receive instant credit of salaries.
° More convenient than ECS.

Besides all of the above, employees will automatically become ICICI Bank account
holders with special benefits and privileges of 8 -8 banking, Investment advisory and
much more.

ICICI Bank also has a special offering: Defense Banking Services designed
exclusively for the armed forces.

Professional Savings Account:

At ICICI Bank, we always strive to cater to all the present and emerging financial
needs of our customers. ICICI Bank Professional Savings Account is an exclusive
set of banking and financial services, catering to the specific needs of discerning
professionals. It brings together a host of services, privileges and lifestyle benefits.
A professional can opt for any of our following four variants of Professional Accounts:

° Regular Professional Account

° Gold Professional Account
° Titanium Professional Account
° Wealth Professional Account

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ICICI Bank's Cash Management Services offer a full range of receivable and payable
services to meet your complex cash management needs. Payments received from
your dealers/ distributors and made to your suppliers are efficiently processed to
optimise your cash flow position and to ensure effective management of t he
operations of your business.

ICICI Bank provides a gamut of products and services, ensuring that all the business
requirements of the corpora tions are met under one roof. Further, ICICI Bank
constantly innovates and improves its product offerings in order to improve client
servicing.

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ICICI Bank offers a wide range of collection products to meet the specific
requirements of the clients like local cheque collections, upcountry cheque
collections, cash collections and electronic collections. With a wide network,
customised MIS and multiple channels for delivery of MIS, ICICI Bank renders quick
and effective management of receivables.

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The payment solutions offered by ICICI Bank include bulk disbursement solutions for
making payments to channel partners through multiple modes, Payable at Par
solutions for payment of dividend, interest or for re demption and Internet -based
cheque writing facility for printing of cheques at your own premises.

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° Widest network across India

° Comprehensive range of CMS products
° Strong logistics support
° Advanced technology support and a highly competent team
° Dedicated and trained Customer Care
 ° Ensuring timely deposit of collections
° Timely execution of disbursement request

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ICICI Bank offers a wide range of trade services designed to meet a range of short
term to medium term trade financing requirements so that your company can seize
new business opportunities whenever they arise. Customers can benefit from our
streamlined processes based on a sound technological backbone that are designed
to provide best in class service levels, and reduce the hassles associated with trade
transactions. Whether you are an importer or exporter, our correspondent network of
over 900 foreign banks, and foreign currency Nostro accounts in 21 currencies will
ensure that we meet all your international / domestic trade requirements.

ICICI Bank customers experience fewer delays in receiving payment, require less
effort in locating collection informa tion details, gain increased control over foreign
receivables and experience improved cash flows. With our expertise and experience,
we can also structure and customise solutions to meet your specific requirements



The current account pro duct provides a host of services like Anywhere banking
which enables the customer to operate from any branch, provides for faster
collection of upcountry cheques, Doorstep banking which provides for delivery and
pick-up of cash and documents, Internet banking which enables online tracking of
the account, execution of transactions and so on. Multiple variants of current
accounts are offered by ICICI Bank to suit your specific requirements.

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° Multi-location Funds transfer

° Anywhere deposit and withdrawal
° Mobile banking
° Electronic Funds Transfer
° Corporate Internet Banking
° Customer Care
° Periodical e-mail statements in multiple formats, including MT940, Multicash,
Excel, text, pdf, etc.

ICICI Bank offers innovative FX services and products to its clients, based on its
client's unique requirements by not only incorporating the best practices followed
globally but also by leveraging technology to deliver bespoke solutions and user -
friendly experience.
Forex Desk

At ICICI Bank, we offer our clients customised hedging and trading solutions,
evaluating their business strategically across markets and time zones through
dedicated forex Relationship Managers.

Remittances Through FX Channels

Getting the right rates at the right time is the key determiner of profitability in Forex
transactions. ICICI Bank offers the advantage of seamless execution and market
making through a range of channels for your remittance requirements, thus
enhancing the client's decision -making capability.

Collateralised Trading Service

Our services are offered both online and offline, through a variety of technological
innovations, designed to offer transparency and convenience to end -users.

Treasury Research

The customers are also provided with regular market updates, both quantitative as
well as qualitative research on topics related to macroeconomics and financial
markets.

Derivatives Desk

At ICICI Bank, our clients have the advantage of competitive pricing, one of the
largest USD/INR options book in India and market making in rates of interest and
currency derivatives in all G7 currencie s.

Structured Products

ICICI Bank has been a pioneer among Indian banks in offering structured products to
corporates, institutions and private banking clients . Such structured products may be
customized to offer a tailor-made exposure to a specific asset class, viz. interest
rates, currency, equity, credit or a combination of any of the above. These products
are available at our IBG Locations.

Precious Metals Business

In Precious Metals Business, physical bullion is imported from International Bullion

Supplier (IBS) on consignment basis and sold to local jewelers on spot basis.
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Agri corporate:

ICICI Bank recognises the role of prompt finance, and stable cashflows for
a business. We offer a range of products tailored to your unique needs. With ICICI
Bank on your side, you can focus all your energies on the growth of your business.

Agri trader and processor:

ICICI Bank recognizes your key role in the Agricultural supply chain. ICICI Bank
offers you financing options designed to service your specific requirements. Be it
overdrafts or loans, our approvals are localised, speedy and hassle -free.

Micro banking:

ICICI Bank has created products that are simple, convenient and locally accessible
so as to maximise your comfort.