Terms & Condition of DiGi KaGB

Definitions

In this document the following words and phrases have the meaning set unless the context
indicates otherwise.

The Bank refers to Karnataka Gramin Bank, a Banking body corporate constituted under the
Regional Rual Bank Act 1976 and as notified by Government of India and having its registered
office at #32, Sangankal Road, Gandhinagar, Ballari Karnataka, India and having branches/
offices in Karnataka state. The term includes the successors and assigns of Karnataka Gramin
Bank.

DiGi KaGB is the trade name of Bank's Digital mobile Application Service, which provides access
to account information to the Bank's customers through the mobile phones.

user refers to a customer (Registered for mobile alerts) of the Bank authorized to use DiGi KaGB
for availing any of the above services of the Bank.

New user- Resident individuals of Indian nationality who wish to open accounts with any branch
of Bank on-line through DiGi KaGB

Account refers to the user's Savings and/or Current Account and/or any other type of account so
designated by the Bank to be eligible account (s). All of these accounts should be Primary
Account. The user should be the main account holder and registered for mobile alerts

Personal Information refers to the information about the user obtained in connection with the
DiGi KaGB service.

Terms refer to Terms and Conditions for use of DiGi KaGB as specified in this document. In this
document, all references to the user being referred in masculine gender will also include the
feminine gender.

Applicability of Terms

These Terms form the contract between the user and the Bank. By applying for DiGi KaGB and
accessing the service the user acknowledges and accepts these Terms. These Terms will be in
addition to and not in derogation of the Terms and conditions relating to any account of the
customer.

Registration for DiGi KaGB

The Bank may offer DiGi KaGB to users at its discretion through internet app stores or Banks
website. The customer would need to be a current Internet user or have legal access to the
Internet and knowledge of how the Internet works. DiGi KaGB should be registered on-line
through the user's mobile device with registered mobile number. The user will be asked to enter
a MPIN for the first time from the registered mobile, which will be used in further logins. The
Bank will advise time to time about DiGi KaGB mobile device support. There will be no obligation
on the Bank to support all type of mobile device.

The activation process shall be carried out based on parameters fixed by the Bank from time to
time. An OTP via SMS shall be initiated to the user's mobile device with registered mobile number
for verification. Alternatively, an option will be available to the user to get the OTP in his
 registered email address with the Bank. The verification of user will be done based on the OTP
entered into application. The user shall bear the costs for the SMS as charged by the respective
mobile service provider.

DiGi KaGB Service

The Bank shall endeavour to provide to the user through DiGi KaGB, services such as enquiry
about the balance in his account(s), details about transactions, Statement of Account. These
facilities shall be offered in a phased manner at the discretion of the Bank. The Bank may also
make additions/deletions to the services offered through DiGi KaGB at its sole discretion

The Bank shall take reasonable care to ensure the security of and prevent unauthorized access
to the DiGi KaGB using technology reasonably available to the Bank. The user shall not use or
permit to use DiGi KaGB or any related services for any illegal or improper purposes.

DiGi KaGB Access

The user would be prompted to register MPIN by the Bank in the first instance. The user can
change the MPIN assigned by the Bank through DiGi KaGB. As a safety measure the user shall
change the MPIN as frequently thereafter as possible.

The activation process shall be carried out based on parameters fixed by the Bank from time to
time. An OTP via SMS shall be initiated to the user's mobile device with registered mobile number
for verification. Alternatively, an option will be available to the user to get the OTP in his
registered email address with the Bank. The verification of user will be done based on the OTP
entered into application. The user shall bear the costs for the SMS as charged by the respective
mobile service provider.

Accuracy of Information

If the user notices an error in the account information supplied to him through DiGi KaGB or by
the use of any of the DiGi KaGB services, he shall advise the Bank as soon as possible.

Liability of the user and the Bank

The user shall be liable for some or all loss from unauthorized information's in the DiGi KaGB
accounts if he has breached the Terms or contributed or caused the loss by negligent actions
such as the following:

o Keeping a written or electronic record of MPIN

o The Personal Information lose from the mobile device due to device or telecommunication
security breach
o Disclosing or failing to take all reasonable steps to prevent disclosure of the DiGi K aGB MPIN
to anyone including Bank staff and/or failing to advise the Bank of such disclosure within
reasonable time
o Not advising the Bank in a reasonable time about unauthorized access to or erroneous
transactions in the DiGi KaGB accounts.

The Bank shall not be liable for any unauthorized information sharing through the use of DiGi
KaGB which can be attributed to the fraudulent or negligent conduct of the user.
The Bank shall in no circumstances be held liable to the user if DiGi KaGB access is not available
in the desired manner for reasons including but not limited to natural calamity, floods, fire and
other natural disasters, legal restraints, faults in the telecommunication network or Internet or
network failure or power failure, software or hardware error or any other reason beyond the
control of the Bank. Under no circumstances shall the Bank be liable for any damages whatsoever
whether such damages are direct, indirect, incidental consequential and irrespective of whether
any claim is based on loss of revenue, investment, production, goodwill, profit, interruption of
business or any other loss of any character or nature whatsoever and whether sustained by the
user or any other person.

Indemnity

The user shall indemnify and hold the Bank harmless against any loss suffered by the Bank, other
customers or a third party or any claim or action brought by a third party which is any way the
result of the improper use of the DiGi KaGB by the user and due to other factors beyond the
control of the Bank.

Disclosure of the Personal Information

The user agrees that the Bank or its contractors may hold and process his Personal Information
on mobile or otherwise in connection with DiGi KaGB services as well as for statistical analysis
and credit scoring. The user also agrees that the Bank may disclose, in strict confidence, to
other institutions, such "Personal Information" as may be reasonably necessary for reasons
inclusive of, but not limited to, the following:

The Bank shall take reasonable care to ensure the security of and prevent unauthorized access
to the DiGi KaGB using technology reasonably available to the Bank. The user shall not use or
permit to use DiGi KaGB or any related services for any illegal or improper purposes.

• for participation in any telecommunication or electronic clearing network

• in compliance with a legal directive
• for credit rating by recognized credit scoring agencies
• for fraud prevention purposes

Proprietary Rights

The user acknowledges that the software underlying the DiGi KaGB SERVICE as well as other
Internet related software which are required for accessing DiGi KaGB are the legal property of
the respective vendors. The permission given by the Bank to access DiGi KaGB will not convey
any proprietary or ownership rights in the above software. The user shall not attempt to modify,
translate, disassemble, de-compile or reverse engineer the software underlying DiGi KaGB or
create any derivative product based on the software.

Change of Terms and Conditions

The Bank has the absolute discretion to amend or supplement any of the Terms at any time and
will endeavour to give prior notice of fifteen days for such changes wherever feasible except for
changes to interest rates and/or other variations that are subject to market changes. The Bank
may introduce new services within DiGi KaGB from time to time. The existence and availability
of the new functions will be notified to user as and when they become available. The changed
Terms and conditions applicable to the DiGi KaGB services shall be continued to the user. By
using these new services, the user agrees to be bound by the Terms and Conditions applicable.
Non-Transferability

The grant of facility of DiGi KaGB to a user is not transferable under any circumstances and shall
be used only by the user.

Termination of DiGi KaGB Service

The Bank may withdraw the DiGi KaGB facility provided to a user at any time without assigning
any reason and no prior notice shall be required to given to the user in this regard. The user
shall remain responsible for any transactions made on his DiGi KaGB account(s) through DiGi
KaGB prior to the time of such cancellation of the DiGi KaGB Service. If the DiGi KaGB service is
withdrawn by the Bank for a reason other than the breach of the Terms and conditions by the
user, the Bank's liability shall be restricted to the return of the annual charges, if any, recovered
from the user for the period in question.

The closure of all DiGi KaGB accounts of the user will automatically terminate the DiGi KaGB
service.

The Bank may suspend or terminate DiGi KaGB facilities without prior notice if the user has
breached any of these Terms and conditions or the Bank learns of the death, Bankruptcy or lack
of legal capacity of the user.

Notices

Notices under these Terms and Conditions may be given by the Bank and the user, electronically
to the mailbox of either party. Such notices will be regarded as being in writing. In writing by
delivering them by hand or by sending them by post to the last address given by the user and in
the case of the Bank to the address mentioned below:
Karnataka Gramin Bank,
Head Office: #32
Sangankal Road, Gandhinagar,
Ballari, Karnataka, India 583103.

In addition, the Bank may also publish notices of general nature, which are applicable to all
users of DiGi KaGB on its web site. Such notices will have the same effect as a notice served
individually to each user.

Governing Law

The rights and obligations of the Parties under, or pursuant to, this Terms and conditions shall
be under the exclusive jurisdiction of the courts located in Karnataka. These Terms and
conditions and/or the operations in the accounts of the user maintained by the Bank and/or the
use of the services provided through DiGi KaGB shall be governed by the laws of the Republic of
India and no other nation. The Bank accepts no liability whatsoever, direct or indirect, for non-
compliance with the laws of any country other than the Republic of India. The mere fact that
the DiGi KaGB Service can be accessed through Internet by a user in a country other than India
shall not be interpreted to imply that the laws of the said country govern these Terms and
conditions and/or the operations in the DiGi KaGB accounts of the user and/or the use of DiGi
KaGB
General

The clause headings in this agreement are only for convenience and do not affect the meaning
of the relative clause. The user shall not assign this agreement to anybody else.

The Bank may sub-contract and employ agents to carry out any of its obligations under this
contract. The Bank may transfer or assign its rights and obligations under this contract to any
company.

Account opening through DiGi KaGB

The facility provides opening of savings account for Resident Indian individuals only. The process
flow for opening of the account on-line through DiGi KaGB is as provided in the on-line
application form

The account number allotted to the New user on filling up the online application shall be in debit
freeze status to avoid any unauthorized transactions. Transactions shall be permitted in the
account post activation of the account after completion of all account opening formalities. In
case documents submitted/uploaded by the New user do not comply with the KYC guidelines of
the Bank, Bank is entitled to reject the application of the New user and Bank will not be liable
to pay any interest on amounts , if any , deposited in the account by the New user and the
amounts so deposited shall be refunded by the Bank to the source account.

In case the New user fails to complete the account opening formalities within 30 days of filling
up of the on-line application, the Bank reserves the right to reject the account opening request
and disable the "DiGi KaGB" facility granted to New user, without further notice. · The New
user shall make initial payment to the account opened with the Bank only from an account held
in his own name with any other Bank

The Bank shall have the unfettered right to close the account if it comes to the notice of the
Bank or the Bank has a reasonable apprehension that any information submitted or
representation made by the New user is false /in correct/misleading.

The New user agrees and acknowledges that the Bank may at its sole discretion and without
notice to the New user discontinue/terminate/cancel /modify the account opening service if in
the opinion of the Bank continuation of the service is prejudicial to the interests of the Bank
and Bank shall not be liable to the New user for any consequences including but not limited to
compensation for loss , if any, incurred by the New user due to closure of the account . The
New user shall indemnify and keep the Bank indemnified against any loss /damage/expenses
that may be suffered /incurred by the Bank on account of dishonour of cheques after the closure
of account.