SAVINGS ACCOUNT: The Savings accounts are primarily meant to inculcate a sense of saving for the future and

take care of individuals day to day banking requirements. These accounts are meant to help individual customers protect their money. The Savings Accounts also help individuals to handle their financial transactions through a systematic banking channel. This increases the safety as customers need not carry physical cash with them. A few concepts about the Savings Accounts are explained below: 1. Quarterly Average Balance (QAB) - The sum of end of day balances for a quarter (90 days) are taken and divided by the number of days in the quarter (90). The resultant value is the quarterly average balance for that quarter. (90 days/ 3 months) 2. Service Charge for non maintenance of Quarterly Average Balance (QAB) - Where the quarterly average balance is not maintained in the account, there is a service charge applicable as per the product features. 3. Interest on deposits held in Savings Bank accounts - The interest payable on a Savings Bank account is regulated and prescribed by the Reserve Bank of India. It is the same across all Scheduled Commercial Banks and is currently at 3.5 % per annum. 4. Interest Calculation on deposits held in Savings Bank accounts - The interest on deposits held in a Savings Bank account is calculated based on a daily product basis. 5. Interest Disbursement - Savings Bank interest is credited to the customer's savings account twice a year at half yearly intervals on 30th, September and 31st, March of each financial year. 6. Interest earned on Savings accounts is exempted from Tax deduction at source, for resident Indians. 7. Certain banking terminologies related to a Savings account: a). D.D - Demand Draft. (Instrument where, the funds are paid out, On Demand, issued outside location of the branch) b). P.O - Pay order. (Instrument where, On Demand, the funds are paid out, Local) c). PAP Cheques - Payable at Par Cheques / Multi-city cheques. d). RTGS - Real Time Gross Settlement. (Transfer of funds electronically. Value > 1lakh) e). NEFT - New Electronic Fund Transfer. (Transfer of funds electronically. Value < 1 Lakh)

1.ORANGE SAVINGS BANK ACCOUNT KEY FEATURES: Quarterly Average Balance (QAB) of Rs. 5000/-, Rs.10,000/QAB requirement at Rs.10,000/- for Delhi NCR, Mumbai, Bangalore, Chennai, Hyderabad & Kolkata. Free issue of the International Debit Card for the 1st year. Shopping convenience at over 2,00,000 merchant locations, with the ING Vysya International Debit card. OTHER FEATURES: Unlimited ATM transactions across all Maestro Cirrus ATMs Unlimited ATM transactions at over 356* ING Vysya ATM's. as on 09.07.09 2 Demand Drafts with a value not exceeding Rs. 50,000 per annum, where the QAB is Maintained. Unlimited usage of payable at par (PAP) Cheques. Transfer of funds across all branches. National Electronic Funds Transfer (NEFT) through the internet banking channel. Electronic Bill Payment service. Statement of Account through E-mail. Mi-bank - Internet banking facility. RTGS (Real Time Gross Settlement) transactions at all branches. AAA Cash deposit (Customers) - Free up to 2 transactions per month and a value Limit of Rs. 50,000/-. Up gradation from any other savings account of the Bank to the Orange Savings Account at no additional cost. Mobile Banking services. BENEFITS: Free unlimited access to other bank ATMs - enhanced accessibility. Free Multi branch, Multi-city banking convenience. Payable at par Cheques. Smartserv Personal Concierge Services. ELIGIBILITY: Individuals above the age of 18. Upwardly mobile tech savvy professionals, entrepreneurs in metros and urban Areas. Guardians on behalf of minors. Salaried individuals. Trusts / Societies and Charitable Institutions. 2.ADVANTAGE SALARY ACCOUNT KEY FEATURES: Zero Balance Account. Free Unlimited ATM transactions across all Maestro Cirrus ATMs. Initial issue of ING Vysya International Debit Card, for free. Re-issue charged at Rs. 150/- per request.

Shopping convenience at over 200,000 merchant locations. Free issue of personalised chequebooks. Free 2 D.Ds / P.Os not exceeding a value of Rs. 10,000/- per month. Free transfer of funds across all the branches of ING. Free Bill Pay service at select centres. Free statement of account through e-mail. Internet banking facility. (Mi-b@nk). Free Customer Service Line. Free joint account status with one other family member. Adhoc Checkout (Temp Overdraft) to an extent of 50 % of the last salary credit charged at 18 % for the number of days overdrawn. Service Charge of Rs.100/- for every month that the account is overdrawn. Free for life, ING Vysya Credit Card based on customers eligibility. AAA Cash deposits are restricted to two transactions with a value not exceeding Rs. 25,000/- per month.

BENEFITS: The quarterly average balance of Rs. 5000/- is waived as long as the employee is employed with the corporate. (Zero Balance Account). Free multi-city, multi-branch banking convenience. Minimum documentation supported by an official communication from the corporate. No restriction in the number of transactions in the account. Privileged Customer status for retail loan products. ELIGIBILITY: The minimum number of employees of the corporate, whose salary accounts are to be opened, should be 10. The average salary credit in to the employee's savings account should be equal to or higher than Rs. 10,000/- per month. Where there is a joint account holder, the normal KYC norms need to be adhered to for the joint account holder. Preferably corporate to have a current account with ING. 3. ASPIRA CORPORATE SALARY SOLUTION ASPIRA: Aspira makes the complicated corporate world a bit easier. By giving you simple inputs and easy ways of taking care of your money. Along the way, you'll notice how Aspira helps you manage your money, letting you live the fuller life, easily. With a host of features and benefits your work life will be a little more exciting. So that you can jiyo easy... BENEFITS EMPLOYERS: What does Aspira do for your company? Automated salary upload Dedicated service manager for on-boarding & support Reimbursement account attached to each salary account Meal card to replace physical coupon process

 Complimentary upgrade to ING Platina Preferred Banking for senior employees Dedicated ATM or Self Banking Kiosk in office premise for select companies Special pricing on loans (based on company categorisation) BENEFITS EMPLOYERS: What does Aspira do for employees? 2-in-1 zero balance account with reimbursement account - single debit card Instant account opening - cheque book, ATM card issued in office Priority servicing at any branch Meal card that can be used to pay for food items Free bill payment & fund transfers on Mi-b@nk internet banking Free unlimited PAP cheques with automatic reorder Preferred interest rates on loans and zero/discounted processing fee 24X7 access with Phone, Internet & Mobile banking 4.ORANGE SALARY ACCOUNT: KEY FEATURES: Zero Balance Account. (QAB requirement of Rs. 5000/- reduced to zero) Free Unlimited ATM transactions on Maestro Cirrus ATMs Initial issue of ING Vysya International Debit Card, Free. Re-issue charged at Rs. 150/- per request. Shopping convenience at over 2,00,000 merchant locations. Free issue and unlimited usage of Payable at Par chequebooks. Free transfer of funds across all the branches of ING. Free Personal Assistance Service - Smartserv at select centres*. Free Bill Pay service at select centres. Free statement of account through e-mail. Internet banking facility. (Mi-b@nk) . Free Customer Service Line. Free joint account status with one other family member. Adhoc Checkout* (Temp Overdraft) to an extent of 50 % of the last salary credit charged at 18 % for the number of days overdrawn. Service Charge of Rs.100/- for every month that the account is overdrawn. Free for life Credit Card based on Customers eligibility. AAA Cash deposits are restricted to two transactions with a value not exceeding Rs. 50,000/- per month. BENEFITS: The quarterly average balance of Rs. 5000/- is waived as long as the employee is employed with the corporate. (Zero Balance Account). Enhanced Accessibility - Unlimited access to any Maestro Cirrus ATMs. Free multi-city, multi-branch banking convenience. Minimum documentation supported by an official communication from the corporate. No restriction in the number of transactions in the account. Privileged Customer status for retail loan products.

ELIGIBILITY: The minimum number of employees of the corporate, whose salary accounts are to be opened, should be 20. The average salary credit in to the employees orange salary account should be equal to or higher than Rs.20,000/- per month. Where there is a joint account holder, the normal KYC norms need to be adhered to for the joint account holder. Preferably corporate to have a current account with ING. 5. SOLO SAVINGS ACCOUNT: KEY FEATURES: Quarterly Average Balance - Rs. 500/- to be maintained in the account. Penalty for non-maintenance of QAB will be Rs. 150/- per quarter. Free International Debit Card, above 18 years of age, which affords shopping convenience at over 2,00,000 shopping outlets across the country. Free & unlimited access to all Maestro Cirrus ATM's. Free Multi branch, Multi-city banking convenience. Free Fund transfers within the Profile network through E-banking channels. Internet Banking through Mi-b@nk. Free access to the Customer Service Line. Personalised Chequebook above 18 years of age. Smartserv & SMS Alerts at Rs. 100/- per annum. No restriction in the number of transactions in the account. Bill Pay facility. Financial transactions at the branch will be charged at Rs. 50/- per transaction. In the course of normal operations, if the account is overdrawn, interest will be charged at 13 % per annum, for the number of days overdrawn. Demat Account for electronic storage of shares. BENEFITS: Student's first initiation into empowered banking - Independent Bank account. Wide Accessibility through Corporation & HDFC ATM's. E-channels to make banking convenient to the student. ELIGIBILITY: Student status currently. Age above 14 years. 6. SARAL SAVINGS ACCOUNT- NO FRILLS ACCOUNT: KEY FEATURES: Quarterly Average Balance of Rs. 200/- to be maintained in the account. Penalty for non-maintenance of QAB will be Rs. 45/- per quarter. Rs.50/- per cheque book of 25 leaves. Over and above 6 transactions per month, every additional transaction during the month will be charged at Rs.20/- per transaction.

Additional value added services at a cost: Free annual Statement of Account. Debit Card - Rs. 100/- per annum. Renewal- Rs150/Free Internet Banking. Free Customer Service Line. Adhoc / Additional statement of accounts will be charged at Rs. 10/- per transaction. Up gradation from any other savings account of the Bank to the Orange Savings account at no additional cost.

BENEFITS: Very low quarterly average balance. Basic banking facilities - with a view of financial inclusion. For the reach of banking facilities to a vast section of the population. Benefits of technology extended at a negligible cost. ELIGIBILITY: Individuals above the age of 18. Customers at Rural & Semi Urban locations. Guardians on behalf of minors. Any individual. Trusts / Societies and Charitable Institutions. 7. GENERAL SAVINGS ACCOUNT: KEY FEATURES: Quarterly Average Balance of Rs. 5000/- to be maintained in the account. Service charge for non-maintenance of the quarterly average balance is Rs. 200/- + taxes per quarter. Free Unlimited ATM transactions on all Mestro Cirrus ATM's. Shopping convenience at over 2,00,000 merchant locations, with the ING Vysya International Debit card. Free International Debit Card for the first year, with a renewal fee of Rs. 150/- from the second year. Free Electronic Bill Payment service -at select centres. Free Transfer of funds across all networked branches. (AAA Banking) Free Statement of Account through E-mail at no charge. Free issue of Personalized chequebooks. Mi-b@nk - Internet banking facility. Free Customer Service Line facility. BENEFITS: Basic banking account without any frills. Service charge for non-maintenance of QAB is only Rs. 200 + taxes per quarter. Free Multi branch, Multi-city banking convenience. ELIGIBILITY: Individuals above the age of 18. Upwardly mobile tech savvy professionals, entrepreneurs in metros and urban areas.

Guardians on behalf of minors. Salaried individuals. Trusts / Societies and Charitable Institutions.

8. FREEDOM ACCOUNT: KEY FEATURES: Quarterly Average Balance to be maintained in the account reduced to zero. (Zero Balance Account). Unlimited ATM transactions on all Maestro Cirrus ATM's. Shopping convenience at over 2,00,000 merchant locations, with the ING Vysya International Debit card. Free issue of Personalized chequebooks. Free Electronic Bill Payment service -at select centres. Free Transfer of funds across all networked branches. Free Statement of Account through E-mail at no charge. Mi-b@nk - Internet banking facility Customer Service Line facility Conversion from other type of accounts to the Freedom Savings Account is not allowed. Annual Maintenance Charge of Rs.1000/- + taxes to be collected in advance, upfront from the Customer every year. BENEFITS: Zero Balance Account Customers can use up to the last penny in their account. No unexpected service charges for non-maintenance of balances. Free Multi branch, Multi-city banking convenience. ELIGIBILITY: Individuals above the age of 18. Upwardly mobile tech savvy professionals, entrepreneurs in metros and urban areas. Guardians on behalf of minors. Salaried individuals. Trusts / Societies and Charitable Institutions. 9. FORMULA SAVINGS ACCOUNT: KEY FEATURES: Introducing, ING Formula Savings Account, the first F1 themed savings account offering fantastic services and benefits. Find out how this savings account offers you much more. BENEFITS: Formula 1 International Debit card Free Payable at Par cheques Exclusive F1 themed, Internet Banking services Free sms alerts on transactions above Rs 1,500

A) FORMULA 1 THEME DEBIT CARD:

Recognized the world over The ING Formula debit card is accepted at over 23 million* merchant establishments worldwide, including 1,10,000* merchant establishments in India (*information basis MasterCard) Race anytime, anywhere Now you dont need to carry around large amounts of cash to shop, travel or entertain. Whether your purchase is planned or on impulse, all you need is your ING Formula debit card Easy pit stops Need cash? Just step into any one of our ATMs or member ATMs and withdraw cash up to Rs. 50, 000/- a day from ING ATM Whats more, utilize this facility at over 25,000 ATMs across the country, free of charge. Safety Car The debit card in your hands is the safest way to transact

B) SPECIAL BENEFITS: FUEL GAUGE Fill fuel across any petrol pump in India and get the 2.5% surcharge waived SPEED LAP Shop using your ING Formula savings account and get Formula One merchandise. Refer to the rewards catalogue in your usage guide. Depending upon which item you are interested in use your ING Formula debit card to shop for the required amount fill in the details on the form and send it to us for us to send you the Formula One merchandise absolutely free. RACE DAY Whenever there is a Formula 1 race anywhere in the world, there is a race for you as well. Shop using your ING Formula debit card on the day of the race and top 25 spenders for the race day wins vouchers from ING. 3 winners Gift vouchers worth Rs 5000/ 10 runner ups Gift vouchers worth Rs 2000/- 12 second runner ups Gift vouchers worth Rs 1000/12 second runner ups Gift vouchers worth Rs 1000/-

SPECIAL INTRODUCTORY OFFER: As an introductory offer, you will get complimentary entry passes to over 30 exclusive night clubs across eight cities. Lap it up all the way. ELIGIBILITY: Individuals above the age of 18. Guardians on behalf of minors. Salaried individuals. Average Quarterly balance amount of Rs25000/- to be maintained. Product available for customers residing in Ahmedabad Bangalore

 Chennai Coimbatore Chandigarh Cochin Delhi Pune Hyderabad Mumbai Kolkatta Vishakapatanam Vijayawada 10. ZING SAVINGS ACCOUNT: ING Zing - the Saving Account for your kids Learning yet fun, freedom yet responsibility, let your child learn banking the fun way with ING Zing Savings Account and its exclusive features. HOW ING ZING ACCOUNT IS DIFFERENT Personalized debit card for your kid. Keep a control on your kids spends by setting the spend limits. Fabulous discounts on books, toys and more leading brands Teach your kid how to be good with money in a fun way with Zing You can help your child invest money monthly Automatically transfer funds at predefined intervals to your child's account. Access to ING's financial planning services to safeguard your child's future. Free view access to Internet and Mobile Banking. 11. ZWIPE SAVINGS ACCOUNT: Amazing offers & discounts round the year! With ING Zwipe Savings Account you swipe your way to exciting offers and deals every day. Shop with the leading brands, dine at your favourite restaurants, or make trips to your favourite holiday destinations with easy swipes from your ING Zwipe Card and be privy to instant discounts and rewards. ING Zwipe

Amazing offers and discounts across hundreds of retail outlets, restaurants, spas, tours & travels and more in association with money saver. Free fuel surcharge waiver at all fuel stations across India Free cash withdrawal from any bank ATM Free payable-at-par cheque books Withdrawal limit of up to Rs. 50,000 per day 2 DDs up to Rs.50,000 free per month Free issue of the International Debit Card for the 1st year. Shopping - convenience at over 2,00,000 merchant locations, with the ING Vysya International Debit card Average quarterly balance of Rs. 25000 Can be opened by resident individuals above the age of 18, guardians obo minors.

CURRENT ACCOUNT: We at ING understand that every Business has unique requirements. At ING, we will offer you a solution suited to your business. Whether you have a small/ mid/large size business or you are a company with its spread across multiple locations in the country, you would find a Current Account that's just suited to your business requirements. With features ranging from Free DDs, Free Cheque Collection, Free At -Par Cheque facility to Free Trading Account & free Demat Account, and a lot more ! Choose a current account to suit your business needs. ORANGE CURRENT ACCOUNT ADVANTAGE CURRENT ACCOUNT GENERAL CURRENT ACCOUNT COMFORT CURRENT ACCOUNT

We have also launched a state of the art internet banking which will help you keep be on top of your business and finances at all times !! 1. ORANGE CURRENT ACCOUNT: In today's fast-paced world, your business regularly requires you to receive and send funds to various cities in the country. ING Orange Current Account gives you the power of inter-city banking with a single account and access to more than 200 cities. From personalized cheques that get treated at par with local ones in any city where we have a branch, to Free collection (if instruments are lodged directly) of outstation cheques (payable at branch locations), to free inter-city funds transfers of up to 200 lakhs per month, our priority services have become the benchmark for banking industry. FEATURES & BENEFITS: Free remittance limit (DD /PO /RTGS /EFT / NEFT) of Rs.2 cores per month; power packed feature with potential to save up to Rs.4.8 lakhs per annum. Free collection of outstation cheques drawn on ING locations Free unlimited payable at par (PAP) Cheque Payments Free mi-b@nk Internet Banking facility Free unlimited transfer of funds within the bank Free easy anywhere cash deposit up to a specified limit and withdrawal. Free issue of personalized cheque book (including PAP cheques). Avail safe deposit locker facility (where available) on a preferential basis. Free usage of ATM Network: The international debit card provides for unlimited usage in ING ATMs. Free ATM cum debit card with access to any ATM of any bank. Free 24 hours Customer Service Line (toll free). Free SMS alert.

Multiple channels to access your account Free standing instructions facility for regular payments and many more. Cheque picks up facility available at selected locations. Features indicated above are available against stipulated Quarterly Average Balance of Rs1 lakh. Non - maintenance attracts penalty besides charges will be levied for usage of facilities. Please check for details. Conditions apply. Bank reserves the right to change, modify or delete some of the features, without notice. Saving of Rs.4.8 lakhs per annum is calculated at 20 ps. percent and is subject to usage of full limit of free remittance package of Rs.200 lakhs per month On the Cirrus network.

ELIGIBILITY AND DOCUMENTATION: Resident Individuals Hindu Undivided Families Sole Proprietorship Firms Partnership Firms Limited Companies Trust Accounts Association / Clubs / Societies Foreign nationals residing in India All you need is to maintain an average balance of Rs. 1, 00,000/- per quarter. (Nonmaintenance of which entails a charge as per the following :) When the QAB is less than 1 lakh there is a service charge of Rs. 4000/- per quarter. Besides, free facilities become chargeable as per schedule of service charges. Charges indicated exclude applicable Service Tax FAQs: If you have any queries that are not answered here, please call us or write to us. How is ING's Orange Current Account different from General Current Account offered by most banks? The Orange Current Account includes the following privileges: Free remittances limit across more than 200 cities, up to Rs. 200 lakhs per month.Remittances include DD /PO/RTGS /EFT/ NEFT. Free unlimited transfer of funds within the bank Free stop payment instructions Potential to save Rs. 4.80 lakhs p.a. on service charges

Can I access my account from all branches of ING? Account can be accessed at over 400-networked branches.

Is it necessary to open an account in each of the locations in which my company has an office? No. With the Orange Current Account, you enjoy the advantage of single account with multilocation banking. What transactions are included are a remittance limit for a month? Following transactions together combine to comprise Remittance limit: Demand drafts on ING branches Pay orders RTGS payments EFT / NEFT payments

Can I make payments to my suppliers at your branch locations through a single cheque book? Yes. When you open an account, you will be issued an at par cheque book, which is payable at all our branches. Can I access my account by telephone to conduct routine daily transactions? Yes, you can access your account by telephone and conduct the following activities: Enquire about your account balance Ask for an account transaction history Know your accounts transaction history Order a new cheque book to be delivered to your doorstep Inquire about interest rates Check on term Deposit maturity dates Information on branch network

How can I safeguard movement of cash from / to ING? Through doorstep Banking (at select centers) you will have hassle free cash pick up and deliveries.

2. ADVANTAGE CURRENT ACCOUNT: In today's fast-paced world, your business regularly requires you to receive and send funds to various cities in the country. ING Advantage Current Account gives you the power of intercity banking with a single account and access to more than 300 cities. From personalized cheques that get treated at par with local ones in any city where we have a branch, to Free collection (if instruments are lodged directly) of outstation cheques (payable at branch locations), to free inter-city funds transfers of up to Rs.50 lakhs p.m., our priority services have become the benchmark for banking industry.

Read on to know the powerful plus points of the ING Advantage Current Account. FEATURES & BENEFITS: Free remittance limit (DD/ PO/ RTGS/ EFT/ NEFT) of Rs. 50 lakhs p.m.; power packed features with potential to save upto Rs.1.20 lakhs p.a. Free collection of outstation cheques Drawn on ING locations. Free unlimited payable at par Cheque payments. Free unlimited transfer of funds within the Bank. Free easy anywhere cash deposit up to a specified limit and withdrawal. Free issue of personalized cheque books and personalized payable at par cheques Free SMS alerts Free standing instructions facility for regular payments Free ATM cum debit card with access to any ATM, of any bank Avail safe deposit locker facility (where available) on a preferential basis Free usage of ATMs network: The international debit cards provides for unlimited usage in ING ATMs Free SMS alerts Cheque pick up facility at select locations Free 24 hours Customer Service Line (toll free) Multiple channels to access your account and many more Features indicated above are available against stipulated Quarterly Average Balance. Nonmaintenance attracts penalty besides charges will be levied for facilities. Please check for details. Conditions apply. Bank reserves the right to change, modify or delete some of the features, without notice. Saving of Rs. 1.2 lakhs p.a. is calculated at 20ps % and is subject to usage of full limit of free remittance of Rs.50 lakhs p.m. On the cirrus network. ELIGIBILITY AND DOCUMENTATION: Resident Individuals Hindu Undivided Families Sole Proprietorship Firms Partnership Firms Limited Companies Trust Accounts Association / Clubs / Societies Foreign nationals residing in India All you need is to maintain an average balance of Rs. 50,000/-per quarter. (Non-maintenance of which entails a charge as per the following :) When the QAB is less than 50,000 there is a service charge of Rs. 1500 per quarter. Besides, free facilities become chargeable as per schedule of service charges. Charges indicated exclude applicable Service Tax. FAQs: If you have any queries that are not answered here, please call us or write to us.

How is ING's Advantage Current different from Regular Current Account offered by most banks? The Advantage Current Account includes the following privileges: Free remittances limit across more than 200 cities, up to Rs. 50 lakhs per month.Remittances include DD /PO/RTGS /EFT/ NEFT. Free unlimited transfer of funds within the bank Free stop payment instructions Potential to save Rs. 1.2 lakhs p.a. on service charges Can I access my account from all branches of ING? Account can be accessed at over 400-networked branches. Is it necessary to open an account in each of the locations in which my company has an office? No. With the Advantage Current Account, you enjoy the advantage of single account with multi-location banking. What transactions are included as a remittance limit for a month? Following transactions together combine to comprise Remittance limit: Demand drafts on ING branches Pay orders RTGS payments EFT / NEFT payments Can I make payments to my suppliers at your branch locations through a single cheque book? Yes. When you open an account, you will be issued an at par cheque book, which is payable at all our branches. Can I access my account by telephone to conduct routine daily transactions? Yes, you can access your account by telephone and conduct the following activities: Enquire about your account balance Ask for an account transaction history Order a new cheque book to be delivered to your doorstep Inquire about interest rates Check on term Deposit maturity dates Information on branch network How can I mitigate movement of cash from/ to ING?

Through doorstep Banking (at select centers) you will have hassle free cash pick up and deliveries. Call Toll-free number: 1800 425 9900 for details 3. GENERAL CURRENT ACCOUNT: A Current account is ideal for carrying out day-to-day business transactions. With the ING General Current Account, you can access your account anytime, anywhere. Withdraw and deposit cash, issue and encash cheques, make balance-inquiries or ask for mini statements, and even request for cheque books anytime, anywhere. With a vast network of branches in cities all over the country, and access to a multitude of ATM's, you can keep track of all your transactions anytime. FEATURES & BENEFITS: Access your account from any of the networked branches across India Deposit cash at any of the branches (networked) across India International debit card cum ATM card to access your account from the wide network of ING ATMs and self banking across the country Enjoy FREE 24- hour Phone Banking and Net Banking facilities that helps you check your balance and other details Attractive rates for inter-city/inter-branch transactions (Please refer Service Charges chart for details) Utilize a safe deposit locker (available at selected branches) for your valuables and important documents Personalized cheque book for enhanced security Cash pickup and delivery services at selected centers ( subject to approval of RBI)

ELIGIBILITY AND DOCUMENTATION: The following are eligible to operate a General Current Account Resident Individuals Hindu Undivided Families Sole Proprietorship Firms Partnership Firms Limited Companies Trust Accounts Association / Clubs / Societies Foreign nationals residing in India All you need is to maintain an average balance of Rs. 10000/- per quarter. (Nonmaintenance of this balance entails a nominal charge of Rs. 750/- per quarter). Charges indicated exclude applicable service tax. FAQs: How do I become eligible for an ING General Current Account? If the average quarterly balance in your Current Account is over Rs.10000/- (Rs. Ten

thousand only), you are eligible to enjoy the benefits of a General Current Account. Can I access my account from any of your branches? Yes. The advanced technology of our systems provides you with the flexibility of accessing your account from any of our branches. Must I open an account in each of the locations in which I have my company office? No. ING gives you the advantage of a single account, multi-location banking. Can I access my account by telephone to conduct routine daily transactions? Yes. Free SMS alerts at select centers. 3. COMFORT CURRENT ACCOUNT: ING's Comfort Current Account lets you save as much as Rs. 60,000 p.a. for remittance up to Rs. 25 lakhs. This is in addition to a range of other attractive benefits, as well. Read on to know the powerful plus points of the ING Comfort Current Account. FEATURES & BENEFITS: Free remittance limit (DD /PO /RTGS /EFT / NEFT) of Rs.25 lakhs per month. Free Collection of outstation cheques drawn on the branch locations/centers. Free Mi-b@nk Internet Banking Facility. Free unlimited payable at par cheque Payments Free anywhere cash deposits: Up to Rs.25, 000/- per day. Maximum 4 transactions Rs.1.00 lakh per month Account-to-account funds transfer: Free unlimited transfer of funds from one account to another account within the Bank. Free anywhere cash withdrawal: The account holders can withdraw cash from any of our branches subject to anywhere banking guidelines of the Bank. Free usage of ATM Network: The international debit card provides for unlimited usage in ING ATMs. Free issue of personalized MICR/PAP Cheque Books. Free 24 hours customer service line. Free monthly Statement of Account. Doorstep banking at selects centers (Chargeable service). Free SMS alerts.

ELIGIBILITY AND DOCUMENTATION: Resident Individuals Hindu Undivided Families Sole Proprietorship Firms Partnership Firms Limited Companies Trust Accounts Association / Clubs / Societies Foreign nationals residing in India

All you need is to maintain an average balance of Rs. 25,000/-per quarter. (Nonmaintenance of which entails a charge as per the following). When the QAB is less than 25,000 there is a service charge of Rs. 1000 plus applicable service taxes, per quarter. Besides, free facilities become chargeable as per schedule of service charges. Charges indicated exclude applicable Service Tax. FAQs: How is ING's Advantage Current different from regular current accounts offered by most banks? The Comfort Current Account includes the following privileges: Free remittances limit across more than 200 cities, up to Rs. 25 lakhs per month. Remittances include DD /PO /RTGS /EFT/ NEFT. Free unlimited transfer of funds within the bank. Potential to save Rs. 0.60 lakhs p.a. on service charges Can I access my account from all branches of ING? Account can be accessed at over 400-networked branches. Is it necessary to open an account in each of the locations in which my company has an office? No. With the Comfort Current Account, you enjoy the advantage of single account with multi-location banking. What transactions are included as a remittance limit for a month? Following transactions together combine to comprise Remittance limit: Demand drafts on ING branches Pay orders RTGS payments EFT / NEFT payments Can I make payments to my suppliers at your branch locations through a single cheque book? Yes. When you open an account, you will be issued an at par cheque book, which is payable at all our branches. Can I access my account by telephone to conduct routine daily transactions? Yes, you can access your account by telephone and conduct the following activities: Enquire about your account balance

 Ask for an account transaction history Order a new cheque book to be delivered at your doorstep Inquire about interest rates Check on term Deposit maturity dates Information on branch network How can I safeguard movement of cash from/ to ING? Through doorstep Banking (at select centers) you will have hassle free cash pick up and deliveries. Call Toll-free number: 1800 425 9900 for details.

TERM DEPOSITS: ING's attractive interest rates on term deposits help you fulfill your needs and keep your savings secure at the same time. GENERAL GUIDELINES ON TERM DEPOSITS A. Interest calculation methodology: On deposits opened for periods of a. less than six months, the interest shall be paid for actual number of days on the basis of 365 days a year b. six months and above, interest shall be calculated for completed months and the actual number of days if the terminal month is incomplete, on the basis of 365 days a year. In case of deposits opened for complete months, interest would be calculated for the number of months. E.g. 6 months, 8 months etc. B. Premature closure a. Premature closure of deposit is done only upon specific request from the customer. b. Interest is payable at the rate applicable, as on the date of the deposit, for the period the deposit has remained with the bank, less 1% (subject to change from time to time) c. Interest calculation methodology explained above would be followed in case of premature closure of the deposits also. C. Renewal of deposits a. When a deposit matures for payment, the depositor may prefer to continue/renew the deposit in the bank for a further period. b. The provision of automatic renewal is available under Fixed and Reinvestment Deposit (Akshaya) schemes and is not available under Cumulative/ Pragathi Deposit schemes. c. Depositors under Cumulative and Pragathi deposit schemes may opt for transfer of the maturity proceeds to Fixed or Reinvestment Deposit schemes on maturity, for which fresh account opening form should be furnished. d. Depositor can give auto renewal instructions either for a similar period for which the

deposit has been originally contracted or for a different period. e. Instructions to renew from the maturity date would be accepted (a) At the time of placing the deposit or (b) at any time before the maturity of the deposit / on the date of maturity or (c) within 14 days from the date of maturity of deposit D. Overdue Deposits The deposit which remains with the bank without renewal or maturity instructions, will be treated as Overdue Deposits and shall not earn any interest from the date of maturity.

FIXED DEPOSITS: Invest your savings and let them work for you If you believe in long-term investments and wish to earn higher interests on your savings, invest your money in Fixed Deposit. By investing in ING Fixed Deposit, your money not only stays secure but also accumulates good interest over the period of deposit. Partial withdrawal from your Fixed Deposits before maturity can bail you out in times of need. FEATURES & BENEFITS: Tenor based Rate of Interest Higher interest can be earned on longer period of deposits. Premature withdrawal is allowed at a nominal penalty of 1% on the applicable rate. Option to place deposits in multiples of Rs.1000 as units under Vysunits , enabling withdrawal as per need, in multiples of Rs.1000. Option to draw interest by way of DD / PO / Credit to own SB account with ING Vysya Bank, Monthly (at a discount) or Quarterly, as per choice. Loans upto 95% of the deposit would be available at 2% above the underlying interest rate on Fixed Deposit. Nomination facility is available. Free transfer of deposit between branches is available. Automatic renewals on maturity. ELIGIBILITY: Resident Individuals. Hindu Undivided Families. Sole Proprietorship Firms. Partnership Firms. Limited Companies. Trust Accounts / Associations / Clubs. Minors. An Initial deposit of Rs.10000 is required to open a Fixed Deposit. TENOR: Minimum 7 days to maximum of 10 years.

AKSHAYA DEPOSITS: Best way to see your investment grow at a faster rate Your deposit with interest is re-invested every quarter to earn a higher yield. By investing in ING Akshaya Deposit, your money not only stays secure but also accumulates good interest over the period of deposit. Partial withdrawal from your Akshaya Deposit before maturity can bail you out in times of need. FEATURES & BENEFITS: Tenor based Rate of Interest Higher interest can be earned on longer period of deposits. The interest earned is compounded quarterly for higher earnings. Premature withdrawal is allowed with a penalty of 1% on the applicable rate. An Initial deposit of Rs.10000 is required to open an Akshaya Deposit. Option to place deposits in multiples of Rs.1000 as units under Vysunits , enabling withdrawal as per need, in multiples of Rs.1000. Loans upto 95% of the deposit would be available at 2% above the underlying interest rate on Fixed Deposit. Nomination facility is available. Free transfer of deposit between branches is available. Automatic renewals on maturity. ELIGIBILITY: Resident Individuals. Hindu Undivided Families. Sole Proprietorship Firms. Partnership Firms. Limited Companies. Trust Accounts / Associations / Clubs. Minors. TENOR: Minimum 6 months to maximum of 10 years.

PRASHANTHI DEPOSITS: (Senior Citizen Deposit) If you are an individual of 60 years and above age (proof required) you could benefit by getting additional 0.25% interest on your fixed deposits or Akshaya Deposits. In case of need, you could partially withdraw the deposit if you have chosen term deposits under Units of Rs.1000/-. If you are an assessee and wish to claim IT exemption you could take 5 year deposit and claim exemption too. FEATURES & BENEFITS:

Term deposits could be Fixed deposit (monthly/quarterly interest payment) or Akshaya (reinvestment deposit where interest is paid at the time of maturity). Option to draw interest by way of DD/PO / Credit to own SB account with ING Vysya Bank, Monthly interest (at discounted rate) or Quarterly, as per choice. Deposits of 92 days and above tenor would get additional interest rate as announced by the Bank from time to time . Additional interest rate is applicable only for deposits upto Rs.30 lakhs in aggregate pan India. A Premature withdrawal allowed at a nominal penalty of 1% on the applicable rate. Option to place deposits in multiples of Rs.1000 as units under Vysunits , enabling withdrawal as per need, in multiples of Rs.1000. Loans upto 95% of the deposit would be available at 2% above the underlying interest rate on Fixed Deposit Automatic renewals on maturity. Nomination facility is available. Free transfer of deposit between branches is available. Automatic renewals on maturity. Nomination facility is available

ELIGIBILITY: Individuals, who have completed the age of 60 years and above. The deposit could be in joint names (primary holder should be the senior citizen). Following documents may be provided as proof of age. Secondary School Leaving Certificate indicating date of birth LIC Policy Voters Identity Card Pension Payment Order Birth Certificate issued by the competent authority Passport

TENOR: The minimum period of deposits is 91 days and the maximum period is 10 years

TAX ADVANTAGE DEPOSITS: Tax Advantage Deposit (TAD) is eligible for tax exemption under Section 80C of The Income Tax Act, 1961. This deposit is in the form of fixed deposit or reinvestment deposit of 5 years duration. Rate of Interest will be according to 5-year term deposit rates announced by the bank from time to time. FEATURES & BENEFITS: Term deposit eligible for exemption under Sec 80 C of the Income Tax Deposit in the form of term deposit earning Monthly/quarterly interest or quarterly

compounded interest (reinvestment deposit) as Akshaya Deposit Nomination facility is available. Auto renewal facility on maturity available. Deposit as low as Rs.5000/- Deposits of upto Rs.1.00 lakh in a financial year will be eligible for 80 C exemptions. No premature closure is permitted before the expiry of 5 years from the date of deposit

ELIGIBILITY: Individuals, either singly or jointly with other individuals (including minors). Individuals in the capacity of Karta or Hindu Undivided Family TENOR: The deposit is accepted for 5 years tenor only.

ING ACTIVE DEPOSIT: ING Active Deposit helps you make the most of your fixed deposit, allowing you to earn better returns and enjoy the power of liquidity, with the instant withdrawal feature. ING Active Deposit allows you to withdraw the deposit either at the ATM or through a cheque and the deposit is broken only for the amount withdrawn, while the balance continues at the original rate. FEATURES & BENEFITS: 1. By opting for ING Active Deposit we will link your term deposits to your Savings or Current Account (specified accounts) that will enable you to withdraw money/use funds whenever you want. 2. Balance in SB and in linked TDs (90%) would be computed as available balance for you to withdraw. 3. The money so used would be treated as pre-closure. 5. You can withdraw the available balance in the following ways From ATM Transfer funds to another account through mibank (Internet Banking) Use funds at Point of Sale (POS) Withdraw money from the branch 4. The service/feature/facility is provided FREE.

ELIGIBILITY: Fixed Deposits and Akshaya (reinvestment) Term deposits (TDs) of any amount and any tenor can be converted to ING Active Deposits provided. Relationship codes and CIF order are in the same order as that of CASA account. Mode of operation of CASA and TDs is same.

There is no bar on number of TDs to be linked. You could keep some deposits as normal deposits.

TENOR: For fixed deposits : 7 days to 10 years For Akshaya (Reinvestment) deposits : 6 months to 10 years CUMULATIVE DEPOSITS: Let your savings habit be rewarded the Cumulative Deposit way of ING. When expenses are high, you may not have adequate funds to make big investments. But simply going ahead without saving for the future is not an option for you. Through INGs Cumulative Deposit you can invest small amounts of money every month that ends up with a large saving on maturity. So you enjoy twin advantages- affordability and higher earnings. Whats More, you can even withdraw in full in case of need! FEATURES & BENEFITS: You can start a Recurring Deposit with us for a monthly installment of Rs.1000. Fixed monthly thrift without upper limit. Nomination facility available. Loans upto 95% of the deposit would be available at 2% above the underlying interest rate on Deposit. Compounding of interest is applicable if the period run is =>6 months monthly instalments having been paid regularly. For delayed installments penalty at the rate of Rs.2/- per month for every Rs.100 would be levied. Premature withdrawal is allowed with a penalty of 1% on the applicable rate. The bank will pay interest @ 3.5% on matured deposits, also called overdue deposits, after 14 days post the maturity date. This rate is subject to change based on prevailing RBI regulations. Free transfer between branches is possible.

ELIGIBILITY: Resident Individuals. Hindu Undivided Families. Sole Proprietorship Firms. Partnership Firms. Trust Accounts / Associations / Clubs. Minors. TENOR: Minimum 6 months to maximum of 10 years.

TDS ON INTEREST ON TERM DEPOSITS:

1. Tax at source is deducted as per the Income-Tax regulations prevalent from time to time. 2. Interest on Cumulative Deposit is exempt from the purview of TDS. 3. If you are eligible and wish to avail TDS exemption, submit Form 15 G / H duly mentioning thereon your PAN details, without which it would be invalid. 4. TDS at applicable rate OR 20% whichever is higher is deducted where PAN is not registered with Bank. 5. TDS will be deducted on the interest paid or accrued or likely to accrue during a financial year. 6. Interest earned on term deposits with all our Branches in India is aggregated to arrive at TDS eligibility. 7. PAN is a pre-requisite for opening term deposits of =>Rs.50, 000 in aggregate. 8. Prevailing TDS rate for Individuals / Firms / Domestic Company is 10%, where Interest paid or occurred or likely to be paid for the year exceeds Rs 10,000.

INTEREST RATES ON SAVINGS, DOMESTIC & NRO TERM DEPOSITS

A. Savings Bank Account Interest Rates with effect from 21.06.2011 4.0% p.a (Interest on Savings Bank Accounts will be calculated on the daily balances maintained in the Account) B. Domestic and NRO Term Deposits (below Rs. 1 crore) for all categories Period 7 days to 15 days 16 days to 30 days 31 days to 60 days 61 days to 91 days 92 days to 364 days 365 days 366 days to 500 days 501 days to 1095 days 1096 days to 10 years Interest rates (%) per annum with effect from 01.08.2011 4.00 % 5.00 % 5.50 % 8.40 % 8.50 % 8.75 % 9.50 % 9.25 % 9.00 %

C. Differential interest rates on domestic term deposits of Senior Citizens(subject to a maximum of Rs. 30 lakhs):

Period 365 days 366 days to 500 days 501 days to 1095 days 1096 days to 10 years

Interest rates (%) per annum with effect from 01.08.2011 9.25 % 10.00 % 9.75 % 9.50 %

The differential interest rates for Senior Citizens shall be applicable for 365 days and above tenors only. For deposits of Rs 1 Crore and above, contact the Branch for special rates.

NOTES: Interest rates are subject to change from time to time. Applicable interest rates as on the date of receipt of the funds will be applicable. To ensure you are seeing the latest updated page, we request you to clear your browser cache. Interest on your Fixed Deposit will accrue every calendar quarter end and at the time of closing the Fixed deposit. You can maximize your interest by opting AKSHAYA DEPOSIT: a reinvestment deposit where your interest is compounded quarterly. Term Deposit of 6 months and above can be opted under Akshaya Deposit. Opt VYSUNIT deposit scheme to pre close only the portion of TD that you may need.