Terms & Conditions governing Savings Accounts. To be read in conjunction with Axis Bank Sri Lanka General Terms and Conditions

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1 Terms & Conditions governing Savings Accounts To be read in conjunction with Axis Bank Sri Lanka General Terms and Conditions

2 Contents 1. Scope of this document Product details and features KYC / AML diligence Complaint handling mechanism...5 Annexure I...6 Annexure II...7

3 1. Scope of this document This document aims to define the terms and conditions governing acceptance of savings deposits by branches of Axis Bank Limited in Sri Lanka. For general terms and conditions governing all deposits please refer to document Axis Bank Sri Lanka General Terms and Conditions. 2. Product details and features i. Account type Savings Accounts are Interest bearing operative accounts maintained with the Bank where the balance is repayable on demand. ii. Who can open an 1. Individuals including non-residents (Single or Joint); account 2. Minors to be operated by Guardians 3. Association, Clubs, Societies, Trusts etc. 4. Executors and Administrators and Liquidators. 5. Proprietorship Concerns; 6. Partnership Firms; 7. Firms and companies; 8. Corporations; 9. NGO s. iii. Minimum requirements to 1. The primary customer must be aged 18 years or more. open an account 2. The customer should be able to submit a valid proof of identity and a valid address and undergo successful checks as per Axis Bank s policies in this regard. 3. Firms and Companies should produce the prescribed documents establishing the identity and address of the firm / company along with KYC of Authorised signatories as per regulatory requirements of Sri Lanka and undergo successful checks as per Axis Banks policies in this regard. For details refer Annexure II iv. Mode of operations: Individual Accounts 1. Singly by the customer; or 2. The Power of Attorney Holder. Joint Accounts 1. Jointly by all the Holders; or 2. Either or Survivor; or 3. Former or Survivor; or 4. Any One or Survivor. Proprietorship Firms 1. Singly by the proprietor; or 2. The Power of Attorney Holder. (Signature of the proprietor under the firm s stamp) Partnership Firms 1. Jointly by all partners; or 2. Either of the partners (where there are 2 partners), as specified by partnership deed; or 3. Any one partner (where there are more than 2 partners), as specified by partnership deed; or 4. Jointly by any two (or three or more) of the partners, as specified by partnership deed; or 5. Singly as specified by partnership deed; or 6. The Power of Attorney Holder as applicable. Public and Private Limited 1. As per board resolution of the company. Companies Page 1 of 10

4 v. Minimum deposit amount LKR USD AUD EUR GBP JPY 10, Different schemes (under Savings Accounts) will have different AVERAGE balance requirements. The Bank has powers to change the minimum balance requirements from time to time. All deposits will be in the DBU only. vi. Maximum amount deposit No maximum deposit limit. vii. Currency All permissible convertible currencies. viii. Tenor Repayable on demand. ix. Interest rates 1. Interest rates on deposits The Head Office (Treasury) will be responsible for setting deposit rates and for reviewing them periodically. 2. Special rates The Head Office (Treasury) may decide to offer Special Rates to certain customer segments, subject to regulatory approvals. 3. Age Based Special rates The Head Office (Treasury) may decide to offer Special Rates to certain age groups, like Senior Citizens, subject to regulatory approvals. Such rates will only apply if the customer has already attained the applicable age at the time of opening of the account. 4. Interest quote- Interest rates quoted to clients should state the Gross rate and the Net rate. Net rate is the rate payable after the deduction of withholding tax at the highest prevailing rate. As the rate of tax may vary, the net rate is given for illustration only and is rounded to two decimal places. Gross rate means that credit interest is paid without withholding tax being deducted. Historic rates -The Bank will maintain and make available to customers the historic interest rates on deposits. x. Interest payment The interest payout on Savings Accounts would be monthly. Interest up frequency to the end of each calendar month will be paid on the next working day. xi. Interest payment method 1. Interest is calculated on a daily basis on the total balance in the account at the end of the day at the relevant gross rate. 2. Interest on the credit balance will be paid at the Bank s prevailing interest rate for the relevant currency. The interest will be calculated on the basis of a 365 day year where the credit balance is denominated in Sri Lankan Rupees. Please check section xvii below on withholding tax. xii. Review of interest rates Interest rates for Savings Accounts will be reviewed by the Head Office (Treasury) on a regular basis. xiii. Updation of interest rates The rates as determined by the Head Office (Treasury) will be updated infinacle and the website prior to introduction of the new rates. Latest interest rates would be displayed at the Branch and the Bank s website.

5 xiv. Account Operations Deposit of Funds A customer can deposit funds in the Savings Account in the following ways: 1. by instructing another bank to make an electronic SWIFT transfer; 2. by transfer from an account with another bank to the customer s Account with us through SLIPS; 3. by visiting one of Axis Bank Sri Lanka branches and depositing a cheque or cash; 4. by Standing Instruction order through another bank; 5. by post with a pay-in slip or letter to the Account holding branch. Cash should not be sent by post; 6. by depositing cash or cheque into any of the Bank s ATMs enabled with deposit facility located at the Bank s branch or elsewhere by using the account holder s own debit card.(all transactions through ATM s are subject to Terms and Conditions governing use of such machines.) Withdrawal of Funds A customer can withdraw funds from the Savings Account in the following ways: 1. By transfer of funds through net banking to a specified account at our Bank in Sri Lanka; 2. By transfer of funds through SLIPS to a specified account at another Bank in Sri Lanka; 3. By transfer of funds through international electronic transfer (SWIFT) to a bank account in another country. Please refer to our Schedule of Charges for further details. The bank receiving the payment may also impose charges that are outside our control. 4. Direct cash withdrawal from the counter through Withdrawal Slips. 5. By withdrawal from ATMs through debit card. xv. Value dating of entries Value dating of entries will be allowed. To create backdated entry the branch would need to check the value date of funds received / remitted by the Bank, and proceed to value date the entry. xvi. Loyalty rates Not Applicable. xvii. Tax status - Withholding The customer is required to submit a declaration in the format Tax prescribed by the Inland Revenue Department, at the beginning of the financial year. xviii. Bonus payments Not Applicable. The Bank is required to deduct withholding tax from the sum of interest paid and interest accrued to the customer, based on this declaration and to deposit this with the Government at prescribed intervals in the prescribed manner as laid down in Section 133 of the Inland Revenue Act No 10 of 2006, as amended up to date. The customer will be provided with a certificate of tax deducted in the prescribed format. Bank will also maintain all records in the prescribed manner. Further details provided in Annexure I

6 xix. Fees and charges The Bank has the right to introduce or vary charges after giving the customer due notice of any change. Please check the Schedule of Charges for the same. xx. Transaction Limits There is no limit on daily transactions in Savings Account. However, online transfers from other accounts with Axis Bank Sri Lanka would be maximum LKR 50, per transaction per day, where such facility is provided to the account. For information on limits on daily cash deposits, and charges applicable to amounts beyond the free limits, the account maintaining branch may be contacted. xxi. Transaction Confirmation Customers have to check their Account statement and transactions therein regularly. If any entry appears to be wrong, this needs to be brought to the notice of the Bank within 30 days of receipt of the statement. Otherwise, the bank will consider the acceptance of the statement as accurate. Customers who have been provided with net banking facility have the option to check the website / s for confirmation of instructions given by them through the website. xxii. Statements Printed annual statements for all Savings Accounts including Green Savings Accounts are issued in April free of charge. Printed statements are additionally issued periodically to certain schemes. No printed statements will be issued, periodic or ad-hoc, for Green Savings Accounts. Additional printed statements and duplicate printed statements are issued on a chargeable basis, as per our schedule of charges. Statements are also issued every month and sent by to all eligible Accounts. (For details please check the Terms and Conditions of the individual schemes). Any account holder can request for monthly e-statements which are sent only to the address of the customerregistered with the bank account. Customers who are registered for internet banking are additionally able to generate, download and print statements between two given dates through our internet banking portal. xxiii. Closing the Account The customer may close the account at any time by giving a written notice. Details are provided in the document Axis Bank Sri Lanka General Terms and Conditions. xxiv. In the event of death 1. In case of death of the customer (other than joint accounts) the Bank may close the account and transfer the funds, along with the accrued interest, if any, to the account nominated in the claim form submitted by the customer s representative or the executor of the estate. 2. Interest will be paid up to the date of closure, at the rate applicable for the period / interest slab. 3. In case of joint accounts the remaining holders shall have the option of continuing with the account. In such cases, the name of the primary holder will be replaced / substituted in Finacle. This will be done by the Branch Head and Operations Head only. The Bank shall always call for a death certificate, grant of probate, certificate of confirmation and / or grant of representation or any other document it may deem necessary and sufficient for establishing the genuineness of any claim before allowing access to any of the funds in the account. xxv. Deposit protection 1. The Bank will be covered by the Sri Lanka Deposit Insurance Scheme (SLDIS), as per the details in the document Axis Bank Sri Lanka General Terms and Conditions.

7 xxvi. Security features and access control Cash withdrawals are to be made using withdrawal slips as per the prevailing practice in the country. No cash withdrawal should proceed with uncompleted slips. xxvii. Liability Bank s liability is restricted to repayment of the credit balance in the account along with up to date interest. Under the SLDIS, eligible depositors are covered to a limit of LKR 200, per Bank, across all deposits and all currencies. xviii. Inactive and Dormant If the account does not have any CUSTOMER INDUCED transaction in Accounts the account for a period of 12 months, the Bank will classify the account as inactive and for another 12 months thereafter, it will be classified as dormant account. The customer will have to contact the Bank to activate the account. 3. KYC / AML diligence The Bank will have a stringent Know Your Customer (KYC) checking policy and no account will be opened without it being KYC compliant. Regarding KYC/ AML checks the bank will be extremely prudent and will practice physical verification. Online Banking facility, when enabled, will be only provided to customers who are fully KYC compliant. 4. Complaint handling mechanism The Bank has a system in place for fair and expeditious handling of customer s grievances. Customers may send mail to for this purpose. For more details, please see ComplaintHandling Procedurein our website.

8 Annexure I The regulations governing Withholding Tax for Sri Lanka are summarized below: All tax calculations pertain to Domestic Banking Unit (DBU) (SOL 921) only. All tax calculations pertain to Lanka Rupee (LKR) currency only. The interest from all types of liability accounts (Savings, Term Deposits, and Recurring Deposits) is considered for withholding tax. The interest includes interest paid and interest accrued to the applicable accounts. The withholding tax will be considered at the customer level for the BANK as a whole, and not at the BRANCH level. All customers will be required to give the Income declaration in the prescribed form at the beginning of the financial year. All COMPANIES are to be taxed at 10.00% only, no slabs, no exempt limits. All Certificates of Deposit (CD) are to be taxed at 10.00% only, no slabs, no exempt limits. All PARTNERSHIP FIRMS are to be taxed at 8.00% only, no slabs, no exempt limits. All CHARITABLE TRUSTS income declaration can have two slabs Interest up to LKR NIL. Interest above LKR %. All INDIVIDUALS customer income declaration can have three slabs Interest up to LKR NIL. Interest above LKR up to LKR %. Interest above LKR %. In case of JOINT HOLDERS, if there is no mandate from the customer, the interest is to be equally apportioned amongst all the joint holders. In case of SAVINGS ACCOUNTS only for individuals and charitable institutions, the interest up to LKR PER MONTH PER CUSTOMER is exempt from tax. If an individual has more than one savings account, then the exemption of LKR per month is for one account only. This account number has to be mentioned by the customer and captured by the system. Even if the declaration by the individual customer is different from the interest ACTUALLY earned from the bank, tax will be deducted on the basis of the declaration, and not as per the actual accrued interest amount. In such cases a report will be required so that the users can contact the customers for a revised declaration. In case the declaration by the charitable institution is different from the interest ACTUALLY earned from the bank, tax will be deducted on the basis of the declaration, and not as per the actual accrued interest amount. In such cases a report will be required so that the users can contact the customers for a revised declaration.

9 Annexure II DOCUMENTS REQUIRED BY THE BANK The following table details the documents that are required to open an account. Please ensure that all documents mentioned below are submitted along with the Account Opening Form Clubs, Limited Documents Sole NGOs, Documents / Requirements Companies & Partnerships Individuals received by Proprietorships Societies & Corporations the Bank Trusts Account Opening Form Identification Document Address Verification Document Valid Visa / Permit (As applicable) Business Registration / Certificate of Incorporation / Certificate to commence business (As Applicable) Constitution / Charter / Trust Deed Partnership Agreement Articles of Association Mandate / Board Resolution (As Applicable) List of Directors / Partners / Proprietor Information Document Form 40 or Form 1 / Form 20 / Form 18 (As Applicable) Form 44 / Form 45 * Copy of Agreement with BOI u/s Section 17 and Certificate ** Approvals from Export Development Board and / or from Exchange Control Department as applicable *** Approval from relevant Government Ministry / Authority

10 All original Documents to be sighted by any official of Axis Bank. * For Offshore Companies ** Requested for accounts to be opened in Foreign Currency Banking Unit (FCBU) - In the name of Companies Incorporated in Sri Lanka and authorized to open accounts in the FCBU. *** For Exporters' Foreign Currency Accounts.

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