Welcome to the State Bank. Foreign Travel Card FIND OUT HOW TO; USE YOUR CARD OVERSEAS MANAGE YOUR BUDGET RELOAD YOUR CARD AND MUCH MORE...

Welcome to the State Bank TM Foreign Travel Card FIND OUT HOW TO; USE YOUR CARD OVERSEAS MANAGE YOUR BUDGET RELOAD YOUR CARD AND MUCH MORE...

Welcome to your new State Bank PREPAID MASTERCARD FOREIGN TRAVEL CARD Here are some easy to follow instructions on using your Card Reload your Card Before you go this bit s important! Please sign the back of your Card as soon as you get it, then memorise your Personal Identification Number (PIN). Please note that you cannot change your PIN. For a PIN reminder, call Card Services on one of the numbers on the back of your Card or in this User Guide. How to use your State Bank Foreign Travel Card Just like a debit card, you can use your State Bank Foreign Travel Card at ATMs worldwide# displaying the MasterCard Acceptance Mark. Simply enter your PIN and how much you want to withdraw. After that, all you have to worry about is what to spend the money on. You can also use your Card at merchants worldwide# (including restaurants, shops and online) displaying the Disputed Transactions MasterCard Acceptance Mark. Simply enter your PIN or sign the receipt as usual. Due to FEMA regulations, the State Bank Foreign Travel Card cannot be used at cash machines or merchants in India, Nepal and Bhutan, or for internet purchases where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupees or the currencies of Nepal and Bhutan. In addition, the Card is also unable to be used in countries subject to economic sanctions, including: Cuba, Iran, Myanmar (Burma), North Korea, Sudan and Syria. The list of sanctioned countries is subject to change from time to time. # Checking your balance Simply go to My Account at www.sbitravelcard.com, register your State Bank Foreign Travel Card and you ll be able to see your balance and any recent transactions. Alternatively, you can phone Card Services to use the automated balance service. Some cash machines also provide balances, however, if the local currency of the cash machine is not the same as the currency on your Card, the exchange rate used by the cash machine to calculate your balance may be different to that applied when viewing your balance through My Account. That s why it is recommended that you use the online or telephone balance enquiry services. It is recommended that you check your transaction history and balance of your State Bank Foreign Travel Card at least once a a fortnight. If you have any queries about your State Bank Foreign Travel Card balance or you notice a Card transaction that you do not recognise, please notify the 24 hour Card Services team without undue delay, and in any event no later than 30 days after the debit date. They will be happy to check and confirm the transaction details for you. If there is a transaction which is not correct, Card Services can start the dispute process on your behalf and may request you to provide additional written information concerning any unrecognised transaction, or to complete a dispute form (see terms and conditions for further information). Please help them to assist you, by providing as much information as you can.

Manage your budget method. In some countries, there may be daily or weekly withdrawal limits set by cash machine operators, which may be lower than the limit on your State Bank Foreign Travel Card. For more information, visit www.sbitravelcard.com Should you pay in your own currency or local currency? Dynamic Currency Conversion (DCC) is an optional service that is sometimes offered by retailers and ATM operators abroad, giving cardholders the choice of paying in either the currency of the country they are visiting or their own domestic currency. You should not make a purchase or ATM withdrawal in Indian Rupee (as you are prohibited from doing so by law) and you should choose to pay in the local currency. Please note that there will be an additional cost if the point of sale transaction or ATM withdrawal is in a currency other than the currency of the Card. Please refer to the table of Fees and Limits for further information. Contact details If you have any general State Bank Foreign Travel Card queries, or want to pass on any comments about using your Card, please get in touch at sbitravelcard@ accessprepaidww.com If you have a specific query relating to your State Bank Foreign Travel Card please contact Card Services. Want to put more money onto your State Bank Foreign Travel Card? Just take your State Bank Foreign Travel Card, valid passport and Form A2 (available at branches) to any participating branch of State Bank. What if there isn t enough money on your State Bank Foreign Travel Card to make a payment? Sometimes you might see something that costs more than you ve got available on your State Bank Foreign Travel Card. That s OK; if the merchant supports partial payments, you may be able to pay the difference with another MasterCard or some other form of payment. Just make sure you tell the cashier before paying and confirm the amount you want to be deducted from your State Bank Foreign Travel Card. The cashier should process your State Bank Foreign Travel Card payment first, and then accept the remainder of the balance, however you want to pay it. Pre-authorisation Using your State Bank Foreign Travel Card to hold a purchase or payment It is not recommended that you use your State Bank Foreign Travel Card as a guarantee of payment (usually for hotels, car hire and cruise lines). These companies may estimate the bill, and if you use your Card as a guarantee for the estimated amount, the funds will be temporarily unavailable to access or spend. You can, of course, use your State Bank Foreign Travel Card to settle your final bill. What if your State Bank Foreign Travel Card is declined? Normally, the only time this will happen is if you don t have enough funds on your Card to cover the cost of a purchase. You may be able to use the balance on your State Bank Foreign Travel Card for part payment and complete the purchase with another payment Useful telephone numbers for 24/7 assistance, Card Services, lost or stolen Cards. If your State Bank Foreign Travel Card is lost or stolen, please contact Card Services immediately, so that they can cancel it and offer assistance, including emergency cash replacement up to the available balance on your Card (subject to availability ). Country Freephone Number Australia 1800 098 231 Germany 0800 181 4595 Hong Kong 800 966 321 India 000 800 100 7960 Japan 00531 780 221 New Zealand 0800 444 691 Singapore 800 441 1379 South Korea 00798 4434 1279 Switzerland 0800 834 918 Thailand 001800 442 212 UK 0800 056 0572 USA/ Canada 1 877 465 0085 A full list of freephone numbers from over 70 countries is available on www.sbitravelcard.com Alternatively, you can use the number below ( Other Countries ) to contact Card Services. Other Countries +44 207 649 9404 The emergency cash service may not be available in every country depending on the availability of the money transfer network. There may be a charge for calls to these numbers, if phoning from a hotel or mobile phone. Please remember to add the international prefix of the country you are in at the beginning of this number (in most cases this is 00, for example 0044 207 649 9404. Calls to this number are not free of charge.

Fees and Limits Please note that the State Bank Foreign Travel Card Fees and Limits are subject to variation, in accordance with the terms and conditions. FEES AND LIMITS TABLE FEES (All fees are plus applicable taxes) USD EUR GBP SGD Initial purchase and load fee^ Reload fee^ ATM fee per withdrawal^ ATM Balance Inquiry fee Purchase from merchant (e.g. shops and restaurants)* INR 100 INR 50 1.75 1.50 1.25 2.00 Free Free Monthly inactivity fee - debited from your Card if it has not been used for 12 months + 1.50 1.00 1.00 2.00 Shortfall fee 15.00 12.50 10.00 17.50 Cash over the counter fee^ Additional Card linked to the same funds^ Replacement Card fee 7.50 6.00 4.00 10.00 INR 100 Free Cash out fee INR 100 LIMITS USD EUR GBP SGD Minimum amount you can load on your Card 200 150 120 250 Maximum load/reload and maximum balance allowed on your Card(s) at any one time Maximum load over 12 month period ** As prescribed by the Reserve Bank of India/FEMA guidelines from time to time, for the purpose of the visit abroad. As prescribed by the Reserve Bank of India/FEMA guidelines from time to time, for the purpose of the visit abroad. Maximum amount you can withdraw from ATMs in any 24 hours* 10000 7500 6500 12500 Maximum amount that you can spend at merchants in any 24 hours 10000 7500 6500 12500 Maximum amount you can withdraw as cash over the counter at banks in 24 hours* 500 350 300 750 All fees, limits and Service Tax charges are subject to change, which will be displayed on www.sbitravelcards.com ^ Service Tax as applicable shall be charged. * Some ATM operators and merchants may charge a fee or set their own limits. Please confirm whether any fees or limits apply, before making a withdrawal or purchase. + Such fee will be waived if your Card has a zero (0) balance or if there is no remaining balance following the debit of any monthly inactivity fee (if the balance is less than the fee). Subject to the limits prescribed for the purpose of travel as per FEMA or other regulations from time to time. ** The total amount you may load onto all prepaid cards issued to you by us during any twelve (12) month period. Merchant transactions and ATM withdrawals in a currency other than the currency of the Card will be exchanged to the currency on the Card at an exchange rate determined by MasterCard on the day the transaction is processed, increased by 3%. State Bank Foreign Travel Card is issued by State Bank of India, pursuant to license by MasterCard International. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. For more information, visit www.sbitravelcard,com and register your Card on My Account to check your balance and view your transactions. Alternatively, call Card Services on one of the (freephone) numbers provided, to access the automated service.

Terms and Conditions By accepting and using the State Bank Foreign Travel Card (the Card ), you agree to comply with these Terms and Conditions and the Fees and Limits Table in the User Guide (together the Agreement ). The issuance of the Card is also subject to the Card applicant complying with all provisions of applicable laws, including the Foreign Exchange Management Act (FEMA), 1999, rules, regulations and directions as issued by The Reserve Bank of India or other appropriate authority under any law in force from time to time. This is a copy of the Agreement for you to keep. A further copy is available on request (see Contact details ). 1. In these Terms and Conditions: 1.1. Card Services means any services, including call centre services, provided by us, or our third party service provider, Access Prepaid Worldwide Limited (the Programme Manager ), in connection with the Card. 1.2 Purchase Location means any branch of State Bank of India, or the authorised agent appointed by State Bank of India from which you purchased the Card, within India. 1.3 we, us, our means The State Bank of India 1.4 you, your means the purchaser of the Card. 1.5 Any reference in this Agreement to the Card should be read as including any Additional Card or Replacement Card, issued to you, as applicable. 2. Your State Bank Foreign Travel Card 2.1 State Bank Foreign Travel Card is a prepaid currency card, which can be loaded in the currency of the Card. Payment will be in Indian Rupees and the exchange rate will be determined by the Purchase Location. 2.2 At the time of purchase, you may request an additional Card ( Additional Card ), subject to a fee, which can be used by you in the same way as the Card. 2.3 The Additional Card is for backup (for security/emergency purposes) and only you can use it. 2.4 There is no interest payable to you on the Card balance, and the Card funds do not amount to a deposit with us. 2.5 Except as otherwise set out in this Agreement, any liability we have to you is equal to the balance on the Card at any given time and is in the currency of the funds loaded onto the Card. Card loads or reloads will only be credited to the Card balance, once we, or our authorised agent, have received cleared funds from you. The Card balance will be debited and will decrease as a result of transactions and any applicable fees, as set out in this Agreement, as soon as we authorise the relevant transaction. Where a fee applies, that fee will be deducted from the balance on the Card at the relevant time and the Card balance will decrease accordingly. Please see clause 8 for an explanation of how to redeem any unspent balance on the Card. 2.6 The Card is not a credit Card and all use is limited to the amount pre-loaded and standing to the balance on the Card and any other limits referred to in this Agreement. 3. Using the Card 3.1 There may be a delay of up to four (4) business hours (or as advised by the Purchase Location) before you are able to use the Card. 3.2 The Card can be used worldwide (other than in India, Nepal and Bhutan or for payment of goods in Indian Rupees or the currencies of Nepal and Bhutan), wherever you see the MasterCard Acceptance Mark at ATMs and MasterCard merchants, including shops, restaurants and online (except where the website is registered in India, Nepal or Bhutan, or at websites accepting payment in Indian Rupee or the currencies of Nepal or Bhutan), providing there are sufficient funds available on the Card for the transaction, including any applicable fees. 3.3 The amount of each transaction and any associated fees will be deducted from the balance on the Card. Merchants that accept the Card are required to seek authorisation from us for all the transactions that you make, and we cannot stop a transaction once authorised. Some merchants may not be able to authorise your transaction if they cannot obtain an online authorisation from us; examples include some in-flight purchases, car park vending machines and toll booths. 3.4 There are circumstances when using the Card at certain merchants, including hotels and restaurants, where you may be required to have an available balance on the Card greater than the value of the transaction you wish to make. This amount will be reserved to cover tips/gratuities, temporarily reducing the balance available on the Card. This is required as the merchant may need to access more funds than you initially planned to spend. You will only be charged for the actual and final amount of the transaction you make. 3.5 We do not recommend using the Card as a guarantee of payment, for example as a deposit for hotels, cruise lines or car rental, as merchants such as these may estimate the final bill and this amount will be placed on hold by the merchant and become temporarily unavailable to access or spend. Only the actual amount of the final bill will be deducted from the Card. 3.6 The Card is only for your use and expires on the date on the front of the Card; however, you will still be able to obtain a refund of the balance after the expiry date. 3.7 You will be responsible and liable for all transactions made using the Card. You are also responsible for ensuring that every Card is used only in accordance with these Terms and Conditions. 3.8 If you notice a transaction on the Card that you do not recognise, you must notify Card Services immediately and in any event within thirty (30) days of the transaction being made. 3.9 You are not permitted to use the Card for money transfers (i.e. the sending of funds to a third party) or to access money transfer services, or for accessing or purchasing goods from adult or gambling locations or internet sites and the Card must not be used for any unlawful activity. You must comply with all laws and regulations (including any foreign exchange controls) in respect of the Card, in the country of purchase and/or use. We may suspend the Card or end the Agreement when you attempt to use the Card in violation of, or your use of the Card is restricted under, such laws and regulations. 3.10 You can only use the Card if it has a positive balance. In the unlikely event that the balance on the Card drops below zero (0), you agree to reload the Card to bring the balance back to zero (0) or above, within thirty (30) days of the request, and pay the applicable Shortfall fee. We recommend that you check your transaction history and balance at least once a fortnight. You should also ensure that you comply with the authorised limits set out by the Reserve Bank of India in the Foreign Exchange Management Act, 1999 and regulations thereunder. 3.11 We are entitled to set off any sum of money on the Card, due from you to us, against any positive balance on any other card held by you with us. 4. Keeping the Card and PIN secure 4.1 You cannot change the PIN issued with the Card. For a PIN reminder, you can phone Card Services or go to My Account at www.sbitravelcard.com at any time. 4.2 You must sign the back of the Card as soon as you receive it. 4.3 You must do all that you reasonably can to keep the Card safe and your PIN and other security details secret at all times. 4.4 You must never allow anyone else to use the Card, PIN or other security information. 4.5 You must never write down or record your PIN or any other security information with the Card. 4.6 We will never ask you to reveal your PIN. 4.7 The PIN may be disabled if an incorrect PIN is entered three (3) times. If the PIN is disabled, please contact Card Services for assistance. There may be a twenty-four (24) hour delay in reactivating the PIN, and we may not be able to reactivate the PIN whilst you are abroad. If the PIN is disabled, or if a merchant does not accept chip and PIN, you will be required to sign for any transactions at merchants, provided that this is supported by and acceptable to the merchant. 4.8 You must call Card Services immediately and without undue delay if you lose the Card or the Additional Card or believe the Card or Additional Card could be misused or you suspect that someone else may know the PIN or any other security details. We will suspend the appropriate Card to prevent further use. If a lost Card is subsequently found, it must not be used, unless Card Services confirm it may be used. 4.9 You will be required to confirm details of the loss, theft or misuse to Card Services in writing/by e-mail and you must assist us and the police in any enquiries. 4.10 We may suspend the Card, with or without notice, if we think the Card has been or is likely to be misused; if you have breached the Agreement; or if we suspect any illegal use of the Card. 4.11 If you are entitled to a refund for any reason, for goods or services purchased using the Card, this will be made to the Card. 4.12 You should check your Card balance regularly so you can notify Card Services within thirty (30) days, of any unauthorised transactions. 5. Liability for unauthorised transactions 5.1 You will be liable for all Card transactions which you have authorised. You will also be liable for transactions which you have not authorised (a) if you have acted fraudulently; (b) if you have failed to use the Card in accordance with the Agreement; (c) if you have failed to notify Card Services in accordance with clause 4.8 on becoming aware of the Card loss, theft, or misuse; (d) if you have failed to take all reasonable steps to keep the Card s security features safe; or (e) if you have failed to notify Card Services in accordance with clause 3.8 on becoming aware of a transaction on the Card that you do not recognise. 5.2 You must notify Card Services of any dispute without undue delay and in any event within thirty (30) days of the relevant transaction. 5.3 Subject to clauses 5.1 and 5.2, you will not be liable for any unauthorised Card transactions. Where you are not liable for an unauthorised transaction, we will refund the value of that transaction, including any fees charged and will have no further liability to you for any other losses you may suffer. However, if our investigations conclude that the transaction you have disputed has been authorised by you or on your behalf, we may charge you an investigation administration fee of up to INR 4,500 or foreign currency equivalent. 6. Fees and Limits 6.1 Fees apply to the Card. Please note that fees apply to the purchase of the Card, loading of funds to the Card, Card usage (for example ATM withdrawals), cashout of unspent funds and when you use the Card to make a purchase or withdrawal in a currency other than that loaded onto the Card. Service Tax on the fees, as applicable, shall also be charged. For details on the fees that apply to the Card, please refer to the Fees and Limits Table in User Guide or on www.sbitravelcard.com. 6.2 From time to time, we may limit the amount you can load on the Card, or the amount you can withdraw from ATMs or spend at merchants over certain time periods. Some ATM operators may also impose their own limits on the amount that can be withdrawn over a specific time period.

7. Foreign currency transactions 7.1 There are three (3) instances where a foreign exchange rate will apply: i) Initial load or in branch reload of a foreign currency Card; ii) ATM withdrawals, point of sale transactions or internet transactions, where the local currency is different from the Card currency; and iii) When you close a foreign currency Card. The method for calculating the exchange rate for each scenario is as set out below. 7.2 (i) The foreign exchange rate used for initial loads and in-branch reloads of a foreign currency Card is set by us and may vary depending on the location where you load the Card. You can ask the Purchase Location for the exchange rate beforehand. Foreign exchange rates are subject to variation and the rate that applies one day will not necessarily be the same on any other day. (ii) If an ATM withdrawal, point of sale or internet transaction is made in a currency other than that loaded onto the Card, the amount will be converted into the currency of the Card. The exchange rate used is the rate determined by MasterCard to be the wholesale market rate or the government mandated rate in effect the day the transaction is processed by MasterCard, increased by a foreign exchange margin of 3.00% plus any applicable Service Tax. For example, if you use a USD Card to withdraw money from an ATM in France, the ATM fee applies, as well as a currency conversion margin. If a USD Card is used at an ATM in the United States, a flat ATM withdrawal fee applies, with no foreign exchange margin. See example below*. (iii) The foreign exchange rate used for closing a foreign currency Card is set and determined by us and varies each day. *Example of foreign currency margin, applied to ATM withdrawals, point of sale or internet transactions. Suppose you make a purchase or an ATM withdrawal in France for EUR 50.00 with a USD Card, and the prevailing exchange rate, set by MasterCard, is (USD1.00 = EUR 0.70). Before the foreign exchange margin charged by us, applies, this would equate to USD 71.43 (EUR 50.00 / 0.70). After the foreign exchange margin of USD 2.14 is applied (i.e. USD 71.43 x 3.00%), this would equate to USD 73.57 (71.43 + 2.14), plus applicable Service Tax. 8. Redeeming unspent funds You may redeem any unspent funds on the Card through the Purchase Location. Payment will be in Indian Rupees (INR) and the exchange rate will be determined by the Purchase Location. In most cases the Purchase Location will not pay you in cash when you redeem your funds and will instead arrange for the relevant funds to be credited to your account with any bank in India. If you request the Purchase Location to cash out the Card and to refund any balance on the Card, the balance will be paid no later than one (1) working day after your request, less any applicable fee, as set out in the Fees and Limits Table. If you experience any difficulty closing the Card through the Purchase Location, or if the Card has expired, please contact Card Services. 9. Ending the Agreement 9.1 The Agreement continues until the Card expires or until we end it in accordance with these terms and conditions, or if you ask us to end it by writing to, or emailing, Card Services. 9.2 We may end the Agreement by giving you at least thirty (30) days written notice by letter or email, to the address you have provided us. 9.3 We may ask for the return of the Card and end the Agreement, with or without notice, if you materially breach any of these terms and conditions. 9.4 The ending of the Agreement will not affect your right (if any) to redeem unspent funds, in accordance with clause 8. 10. Changing the terms 10.1 We may change the Agreement (including bringing in new terms and fees or changes in the fees and services we offer) at any time, at our discretion, by giving you at least thirty (30) days notice. We will notify you of changes to the Agreement by email, or in writing, to the contact details you have provided Card Services. 10.2 We will notify you of any changes at least thirty (30) days before the change is implemented. If you are dissatisfied with any change, you can end the Agreement by contacting Card Services. 11. Personal Data 11.1 We may contact you by telephone, letter or email at the contact details you provide us. You must let Card Services know immediately if you change your name, address, phone number or email address. 11.2 By purchasing the Card and using it, you consent to us and our service providers processing the information we collect about you ( Personal Information ), in connection with the Card Services, under the Agreement. 11.3 Your Personal information may be disclosed by us to third parties, to enable us to provide the Card Services and for data analysis, anti-money laundering, detection of crime, legal compliance, law enforcement and fraud prevention purposes. 11.4 Your Personal Information may be processed outside of the country of purchase, but all service providers are required to have adequate safeguards in place to protect your Personal Information. 11.5 If you opt in to receiving promotional messages, you agree we may contact you about other products and services provided by us or our affiliates. If you no longer wish to receive this information, please contact us. 11.6 You can contact Card Services for a copy of the Personal Information we hold about you, pursuant to our privacy policy and other rules. A fee may be charged for this service. 11.7 To aid us in the provision of the Card Services and improve our service, telephone calls may be recorded and/or monitored. By using this service, you consent to this recording and/or monitoring. 12. Our liability to you 12.1 Unless otherwise required by law or as set out in the Agreement, we will not be liable to you in respect of any losses you or any third party may suffer in connection with the Card, except where such losses are due to a breach by us of the Agreement, or due to our gross negligence. 12.2 ATMs and point of sale terminals may not be owned or operated by us and we are not responsible for ensuring that they will accept the Card or the way in which a merchant processes a transaction. We will not be liable to you for any disputes concerning the quality of goods or services purchased with the Card or any additional fees charged by the operator of these terminals. 13. Additional information The Card is an unsecured prepaid Card facility, issued by the State Bank of India. 14. Law and Jurisdiction The Agreement is governed by, and will be construed according to, the laws of India and the Courts in Mumbai will have the exclusive jurisdiction to adjudicate any dispute between the parties. 15. Third Party Rights Except for any party referred to in clause 16, nothing in the Agreement gives any third party any benefit or right (including any enforcement right). 16. Transferring our rights We may assign any of our rights and obligations under the Agreement to any other person or business, subject to such party continuing the obligations in the Agreement to you. 17. Contact details 17.1 If you have any queries regarding the Card, please refer to www.sbitravelcard.com. 17.2 If you have any further queries, are dissatisfied with the standard of service, you think we have made a mistake in operating the Card or you require information about your Personal Information, please contact Card Services. 17.3 We can be contacted by using the details in the Contact details section in the User Guide or by writing to: MC-FTC Helpdesk, State Bank of India, 12th Floor, State Bank Bhavan, Madame Cama Road, Nariman Point, Mumbai 400 021, India. 17.4 We will try to resolve any problems as quickly as possible and in accordance with the complaints procedure, which can be found on www.sbitravelcard.com or is available on request.

State Bank Foreign Travel Card is issued by State Bank of India, pursuant to license by MasterCard International. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. CP10309/V1/0912