CONNECT- INTERNET BANKING

1. GENERAL Internet Banking (also referred as e-Banking OR On-line Banking) is the latest in the series of technological wonders in the recent past involving use of Internet for delivery of banking products & services. There has been a paradigm shift in the Indian banking industry More and more new products and services are now being handled by banks on technology platform. Technology is acting as a catalyst and an enabler for bringing in speed, efficiency and accuracy in handling the complex banking functions and ever changing needs of the customers Banking is now no longer confined to the branches where one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of account. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking) at any time.

Providing Internet Banking is increasingly becoming a "need to have" than a "nice to have" service.

The net banking, thus, now is more of a norm rather than an exception in many developed countries due to the fact that it is the cheapest way of providing banking services. Keeping pace with the emerging trends, our banks innovative alternate delivery channel Netbanking Connect was launched on 14/09/2006 in domestic CBS branches. Initially, more than 470 branches were covered under Netbanking Connect. However, the coverage of Netbanking Connect is now available to all our branches. Netbanking Connect is an umbrella of e-Banking products offered to the customers on e-Channels. At present Netbanking Connect offers Internet Banking.Through Netbanking Connect, a customer is able to operate his/her Bank account(s) on 24 X 7 basis, from anywhere, just at the click of a mouse. 1.1. Netbanking Connect - Advantages to the Bank

Cost effective. To meet market competition. To meet customers requirement. Divert customer to alternate delivery channel and utilize manpower for other activities. * Bank has the right to introduce service charge at any point of time. 2. ABOUT THE SERVICE In Netbanking Connect Internet Banking services, there are two separate entities and each entity is having separate portals. RETAIL: All Individual Customers (CA, CC & OD accounts opened/ operated by Individual) are defined as Retail User of Internet Banking.

CORPORATE: All Non Individual Customers are defined as Corporate User of Internet Banking. (Normally CA, CC & OD accounts opened/ operated by Sole Proprietorship/ Partnership/ Private/ Public Limited Companies, Trusts, Clubs, Associations, HUF etc will be covered under this category). There are two types of access rights (profile) available for Netbanking Connect users: i) View Rights ii) Transaction rights. As mentioned earlier, Netbanking Connect is an umbrella of e-Banking products offered to the customers on e-Channels. At present Netbanking Connect offers Internet Banking.The facilities available in Netbanking Connect are as under:-

Facilities Balance inquiry Mini Statement Statement of Accounts Account summary Tax deduction enquiry SMS Alert NEFT / RTGS Fund transfer to Self Third Party account Payment scheduling Payment of Direct / Indirect Tax & State Tax / Excise Duty / Service Tax / Custom Duty Bill Payment Alerts on Bill Payment Request Mails on large value transaction. Profiling (Password Change) Activity History

Retail View

Txn.

Corporate View Txn

Modeling ASBA Institution fees payment Online FDR

3. BROWSER COMPATIBILITY TO NETBANKING CONNECTPORTAL: Netbanking Connect is enabled for Internet Explorer Ver6.0/7.0/8.0, Mozilla Firefox Browser Version 3.6.0/5.0.1 and Google Chrome. Where in Java should be enabled in all browsers.

Dos and Donts 3.1. Dos: Ensure that Java is installed on computer. Ensure the computer is equipped with latest antivirus packages and the same is upgraded from time to time. Install advanced version of Browsers for Internet Browsing for higher security. Always type full URL i.e. address of the Internet Banking website. e.g. https://www.bobibanking.com . The URL can be stored in favorites or a link for the same can be created. Type correct User ID and Password. Change the passwords immediately, if it is felt that someone knows the same. Destroy Password mailers immediately after Password is changed. Do not write Password anywhere, try to memorize the same. Check the amount before making the transaction. Take notice of the messages that the system gives, which appear on the top left corner of the screen (green in color).

 Know the software. Malicious software (e.g., viruses, worms, Trojan horses, and spyware) often masquerades as legitimate and even useful software. Think carefully before installing or running new software, especially anything unsolicited. Check Alert received in registered Mobile of all online transactions. Any suspicious transaction Alert should be reported immediately to netbanking connect@bankofnetbanking .com Avoid using Internet Banking in Public Domain like Cyber Cafes or where Computers are in shared mode. Log off properly every time after online banking session is over. To log off, always select Log Out button. Do not close your browser directly by clicking on X button 3.2. Donts: Dont leave the computer unattended till log out. Dont write passwords anywhere. Dont reveal the password to any one including the bank staff since the bank does not require this information. ( evenif any email is received asking for the password and posing as if it has come from higher offices, neglect it, since it can be phishinge- mail). Dont respond to e-mails that request personal information. At Bank of Netbanking , we never ask for personal details such as User Id, password, One Time Password, Tracker ID, QnAetc. through an email/ phone. Dont use name of your spouse, children etc. as a password, since they are very easy to crack. Further, avoid using important dates (wedding anniversary, birthdays of you/ spouse/ children etc.) as password. 4. HOW TO APPLY FOR NETBANKING CONNECT : There are two types of Users under Netbanking Connect namely ( i) Retail and (ii) Corporate.

There are separate application forms for Retail Users and Corporate Users. The application form can be obtained from the branch or can be downloaded from the site https://www.bobibanking.com . The duly filled in form, together with necessary documents (if required), should be submitted to the base branch. In the application form for Retail Users, hosted on the above website, the box for transaction rights is ticked ( ) by default. However, if the customer desires to have only view rights then he may un-tick the box for transaction rights and tick ( ) the box for view rights. The following points need to be taken care of while applying for Netbanking Connect: e-mail ID and Mobile Number are mandatory. The application submitted by customer is to be retained at the branch. 4.1. Tips OnPassword: Passwords are very crucial and to ensure that they are not easily cracked, each password must contain: 1. The password cannot consist of all the characters as are in your Username e.g. If your Username is "BoB", then your password cannot be "Bobby".

2. Password should be Alpha Numeric with Special Character. 3. Space is not allowed in between Password. 4. The Password should contain minimum of 8 characters and maximum of 16 characters.

5. The Password should contain at least 4 distinct characters. 6. The Password should contain at least one special character.

Password is case sensitive i.e. if password is in small letters use the same. If capital letters are used, it will not work. 4.2. HOW TO LOG IN TO NETBANKING CONNECT : First Time Log In, after receipt of printed password envelop: To login directly on the Netbanking Connect portal URL is https://www.bobibanking.com Log in is also available from Banks main website i.e. http://www.bankofnetbanking .com Take your cursor on the net banking option and select INDIA . Click Retail User (for Individuals i.e. for accounts of Individuals) Click Corporate User (for corporate customers) (Live Demo is also available on the user portal). Enter User ID/Corporate ID in the text box provided and click enter button. Enter the sign on password provided from Netbanking Connect. All customers with transaction right are required to enroll for Netbanking iSecure. After successful enrollment user will be redirected to mobile verification page. After verification of mobile number customer will receive OTP (One Time Password) on his mobile. Enter OTP and click submit. The system will redirect the customer to log in page. Enter sign on password to log in. Customers with View right can directly log into Netbanking enrollment. 4.3. How ToStop, Payment Of Cheque: The procedure to be followed for stop payment in Netbanking Connect is given below: Log-on to Netbanking Connect. Connect without

 Go to Accounts. Select the account (from drop down box) to which the cheque belongs. From adjacent drop down box, select Cheque Status Enquiry. In Cheque Status Enquiry, give range of valid cheque numbers and it will give some details. In these details, select Stop Payment; give relevant cheque number(s) for which you want to stop the payment. System will give message, whether the stop payment is successful or not. If the stop payment is not successful (i.e. if the user does not get success message), he/ she should explore other option of sending this request (manually, over phone/ fax etc. directly to the branch). 6. BENEFITS OF NETBANKING CONNECT : Anytime funds transfer: The customer can transfer funds from one account to another account (Including third party account) maintained with the Bank in any of the branch on real time basis. As a risk mitigating measure, the Bank has prescribed certain limits which are given in this document. (refer default limit for fund transfer section) Online bill payment facility: Using Netbanking Connect customers can make payment of any type of utility bills, book tickets, pay insurance premium at a mouse click by sitting in his/her home. (The list of billersassociated with us available in www.bankofnetbanking .com . Online Account Opening: Customers can open accounts (presently only resident Fixed Deposit accounts are enabled) using Netbanking Connect without approaching branch. Account Details: A customer can check past transactions summary of his/her account. Single window: In case of more than one account, a customer can operate all the accounts by Single User ID.

 On-line enquiry: Any inquiry of customer will be answered on-line i.e. a customer needs to send his/her query at the given e-mail address of the Bank, the same will be attended by our Relationship Manager (RLM) immediately. History access: A customer is able to get the details of the past activities carried out by him from his log-in page. He/she just needs to click on the Activity History option. My requests : A customer can request a number of services though Internet Banking (Netbanking Connect) e.g. for Issuance of Cheque Book; Fixed Deposit Renewal; Change in Mailing address; Opening New account etc. RLM should ensure to obtain all relevant documents from customer and keep in record. Security: 128 bit SSL encryption and Netbanking i-Secure-under Fraud Management Solution to protect customers from the fraudsters over internet, we have implemented two- factor authentication, which will provide a dedicated strong authentication/ Fraud / Risk Management infrastructure for Bank. The risk/fraud management infrastructure works in the back-end seamlessly. Based on real-time risk scoring, the user is prompted for step up authentication to prevent the frauds and phishingattacks. Convenient banking: It is convenient to log-in from any where/ any part of the world. 6.1. E-TAX PAYMENT : On line TAX payments: Our bank is providing on line TAX payment facility for: Indirect Direct Taxes Taxes 1. Excise 1. Duty /Service 2. Tax Income Tax / TDS 1. Gujarat Commercial Tax Rajasthan Commercial Tax UP Commercial Tax Maharashtra virtual treasury Tax Maharashtra Sales Tax State Taxes

Securities Transaction 2. Tax 3. 2. Customs Duty Payment 3. Hotel Receipts Tax 4. 4. Gift Tax / Banking Cash Transaction Tax 5.

5.

Interest Tax Expenditure Tax Fringe Benefit Tax

6. /

Tamil NaduCommercial Tax Many more states tax may be added in future.

6. 7.

Estate Duty / Wealth Tax

The TAX menu in Netbanking Connect will allow customers to view Payments made and regenerate counterfoil / challans. It will also allow approving TAX transaction in case of Maker Checker is assigned to the customer. 6.1.1. Advantages ToThe Customer : No more queues and waiting Facility is available on 24x7 basis Can make Payment from anywhere Ease of operation and convenience Can pay tax on behalf of the individual, firm or company Instant Cyber Receipts for the Payment made Can View past Tax Payments at any point of time Netbanking Connect Online e-Tax Payment services are free of charge 6.1.2. Amount Of Payment : There is no ceiling on the e-Tax Payment amount Customers can pay any amount, subject to adequate balance being available in their account /s. 6.1.3. Time Of Payment :

 This is a 24x7 facility and as such, the customers can make the Payments any time. A cut-off time is prescribed for accounting purposes, which will usually be extended for longer duration on the year-end days. Presently the cut off time is 4 p.m. and 1 p.m. for weekdays and Saturday respectively for all locations. The Payments made after the cut-off time will be accounted as next working days receipts. 6.1.4. Who can avail these services ? Customer of our any branch can avail this facility. The customer should be a registered user of Netbanking Connect - Banks eBanking services having TXN right. Customer must also be registered assesses with the Department of Central Excise and Customs ( CBEC ) 6.1.5. How To Pay Tax ? Visit the banks website www.bankofnetbanking .com . Click on Pay Online Tax & select Direct Tax or Indirect Tax be. asthe case may

User modifies/ confirms that all the data provided are accurate and then moves on to making a Payment. On confirmation of data by User, login page for Netbanking prompted. User will give his user ID and login Password for Netbanking Connect. User selects his operative account to make the tax Payment. User confirms correctness of the Payment and enters his User ID and Transaction Password. Connect is

 On completion of the Payment process Customer can print the cyber receipt with a unique transaction ID. Bank will arrange to print the challan copies and sign the same on behalf of the customer. Bank will dispatch the stamped challan copies to the customers communication address. For e-tax queries, please send mails to govt.business.ho@bankofnetbanking .com , etax.ho@bankofnetbanking .com 6.3. BILLS SERVICES( Netbanking easy Pay): Netbanking easy Pay Services is a new transaction based internet banking service for Netbanking Connect users with transaction rights. Bill Payment is a facility of making online payment of utility bills (e.g. telephone, electricity, mobile, cooking gas etc.), credit card payments, rail ticket booking, air ticket booking, movie ticket etc. For facilitate online bill payment services to banks Netbanking Connect customer our bank has tie up with different service providers. Procedure For Payment Of Bill Shopping Mall Type Go to the Biller Website. (e.g. www.irctc.co.in) Purchase book service. (e.g. book ticket) Submit the payment request to bank retail/corporate portal (provided the biller has tie-up with bank) by clicking on the relevant link. Log into Netbanking Connect using user Id and sign on password and complete the transaction using transaction password. After the payment system will redirect to biller/merchant website for printing of confirmation receipt/ticket/challan etc. 6.3.4. Eligibility Requirements: All Netbanking Pay Connect customers with transaction rights are eligible for Bill services.

The customer MUST be a registered user of Netbanking Connect with transaction passwords. Online bill payment facility will be activated after 48 hours from the activation of Netbanking Connect. For any clarifications/query regarding Online Bill billpay@bankofnetbanking .com phone: 022- 66984918 pay, kindly contact:

6.4. ONLINE FIXED DEPOSIT THROUGH NET BANKING: .

7.1. SMS AlertFacility For Users:

SMS alert facility has been enabled for all Netbanking Connect customers for all type of transactions subject to availability/coverage of network and proper updation of mobile number in finacle and e-banking server. 8. PHISHING : 'Phishing' refers to e-mails, sent to customers by unscrupulous persons. These emails are designed to trick the customer into providing his / her personal and banking information. Typically, the culprits send phishinge-mails which often appear to be from the bank urging the customer to click on a link to update his/her personal profile or 'validate' or 'confirm' his/her personal details. In other words Phishing e-mails point recipients to a bogus (or "spoofed") internet banking website that looks like ours. Their aim is to trick users into divulging their user IDs, Passwords and other confidential information.

2. MODE OF OPERATIONS FOR E-BANKING USER: The Operational instructions mentioned below (as per finacle mode of operation code) decide upon the eligibility for becoming a Netbanking Connect user. ELIGIBLE RETAIL NOT ELIGIBLE RETAIL

CODE DESCRIPTION Self Either or Survivor Per-Pro Anyone survivor or survivors

CODE DESCRIPTION Former or Survivor Latter or Survivor Both Jointly or Survivor or Any two Jointly or Survivors or Survivor Any three Jointly or Survivors or Survivor Guardian All jointly or Survivors or Survivor Minor and Legal Guardian- Operation by Latter Minor alone operated by Guardian

Minor Natural Operation by NG

Contact Centre: Bank has introduced a new delivery channel the Contact Centre (call centre) for delivery of banking services through TOLL FREE PHONE 1800 223344 or 1800 102 4455 and for overseas customer can contact to contact centre via +91 22 2652 9981 (chargeable). Contact centre helps branches by providing customer service over PHONE without intervention of branches. Presently Contact Centre addresses the following issues related to Netbanking Connect. Provides online help/support to all Netbanking Connect customers Take password regeneration request from customers (retail customer only) Take password activation request from customers (retail customer only)

Benefits to the Customers: Most convenient delivery channel Services are available from 8 am to 8 pm 365 days a year, (excluding Independence Day and Republic Day) Free of Cost. Toll Free Number and hence No Cost TWO Toll Free Numbers are available to ensure uninterrupted service Customers are not required to visit branch for most of the services. Emergency Services Debit Card Hot-listing is easy, simple, authentic All service requests are supported by Docket Number, for further enquiry. Services for all linked accounts are available Professionally managed and Technology driven services