Schedule of Charges

No Frills Account for Smart Salary

Effective April 1, 2011

Minimum Maintenance
Average Quarterly Balance (AQB) FD requirement for Nil AQB AQB Non-maintenance charges Nil N.A. N.A.

No Frills

Minimum Maintenance

No Frills

Collection Services
Intra-Bank Fund Transfer Collection RTGS Collection NEFT Collection Cheque Collection - Local Clearing Outstation Cheque Collection - YES BANK locations Free Free Free Free Free (plus Rs. 20 courier charges) Up to and including 5,000; Rs. 25/ Instrument

Payment Services
Intra-Bank Fund Transfer - Branch Intra-Bank Fund Transfer - NetBanking RTGS Payment - Branch RTGS Payment - NetBanking NEFT Payment - Branch NEFT Payment - NetBanking Payable At Par Cheque Usage Pay Order payable at YES BANK locations - Branch Pay Order payable at YES BANK locations - NetBanking DD payable at YES BANK locations - Branch DD payable at YES BANK locations - NetBanking DD payable at Correspondent Bank locations Free Free Rs. 25/ Txn Rs. 25/ Txn Free Free Free 2 Per Month Free; Rs. 50/ Instrument thereafter Free (plus Rs. 20 courier charges) 2 Per Month Free; Rs. 50/ Instrument thereafter Free (plus Rs. 20 courier charges) 1 Per Month Free; Rs. 2.5/ Rs. 1,000 (Min. Rs. 50, Max. Rs. 5,000) thereafter 2 Txns per month Free; Rs. 2/ Rs. 1,000 thereafter (Min Rs. 20)

Outstation Cheque Collection - Correspondent Bank locations (Instrument value)

Above 5,000 and up to including 10,000; Rs.50/ Instrument Above 10,000 and up to including 1,00,000; Rs.100/ Instrument Above 1,00,000; Rs.150/ Instrument Up to and including 5,000; Rs. 25/ Instrument

Outstation Cheque Collection - Other locations (Instrument value)

Above 5,000 and up to including 10,000; Rs.50/ Instrument Above 10,000 and up to including 1,00,000; Rs.100/ Instrument Above 1,00,000; Rs.150/ Instrument

Cash Deposit

2 Txns per month Free; Rs. 2/ Rs. 1,000 thereafter (Min Rs. 20)

Remittance Services *
Foreign Outward Remittance Foreign Inward Remittance Rs. 200 plus SWIFT Charges Free

Cash Withdrawal

Debit Cum ATM Card

Card Type Annual Fee Cash Withdrawal - India Cash Withdrawal - Outside India Balance Inquiry - India Nil Free Rs. 120/ Txn Free Rs. 20/ Txn Rs. 25/ Instance Rs. 250/ Instance Rs. 15/ Instance Rs. 149/ Instance 3% International Silver

Foreign Exchange Services *

DD Issuance - FCY Traveler's Cheque Issuance ^ Cheque Collection - FCY Rs. 2/ Rs. 1,000 (Min. Rs. 250, Max. Rs. 1,000) 1% Commission Rs. 2/ Rs. 1,000 (Min. Rs. 250, Max. Rs. 1,000) * See guidelines for details

Balance Inquiry - Outside India PIN Regeneration Charge Slip retrieval ATM Declines due to insufficient funds Replacement of lost/ stolen Debit Card Cross Currency Mark-up ^ Please check with the branch for the availability of this service

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Schedule of Charges
Miscellaneous Services
Cheque Return - Insufficient funds ECS Return - Insufficient funds Cheque Return - Local Clearing Cheque Return - Outstation Collection Stop Payment of Cheques - Branch SWIFT Charges Dormancy Activation Account Closure within 21 days Account Closure after 21 days Money Monitor Annual Fee OBOPAY Annual Fee OBOPAY Transactions OBOPAY Balance Inquiry Depository Annual Maintenance Charge SMS / E-mail Alerts (Day end balance/ transactions above a threshold/low balance) Utility Bill payment - NetBanking Rs. 300/ Cheque Rs. 200/ Return Rs. 50/ Cheque Rs. 50/ Cheque Rs. 50/ Instruction Rs. 500 Free Free Rs. 100 Rs. 249 Rs. 149 Rs. 7/ Txn Rs. 3.50/ Txn Rs. 300 Rs. 10/ Month

No Frills Account for Smart Salary

Basic Banking Services

Effective April 1, 2011

Senior Citizens, Women & Other Individuals at Semi-Urban Individuals & Rural Branches Free Free Free Free Free Free Free Free Free N.A. Free Free Free Free Free Free Free Free Free Free Free Free Rs. 50/ Instruction Free Free Free Free within 1 year of date of issue, Rs. 50/ Cheque thereafter Free Free Free Free Free Free Free Free Free N.A. Free Free Free Free Free Free Free Free Free Free Free Free Rs. 50/ Instruction Rs. 50/ Instruction Free Free within 1 year of date of issue, Rs. 100/ Cheque thereafter Non-Individuals

Account Opening Mobile Banking Registration Phone Banking Registration NetBanking Registration Investment Services Registration Nomination Facility Payable at Par Cheque Book Any Branch Banking Quarterly statement by post Monthly statement by post Standing Instruction maintenance - Branch Standing Instruction maintenance - NetBanking ECS Instruction Balance Inquiry - Branch Balance Inquiry - Mobile Banking Balance Inquiry - NetBanking Replacement of damaged Debit Card

Free Free Free Free Free Free Free Free N.A. Free Free N.A. Free Free Free Free Free N.A. Free Free Free Free Rs. 50/ Instruction Rs. 50/ Instruction N.A. Free within 1 year of date of issue, Rs. 100/ Cheque thereafter

Rs. 5/ Txn

e-commerce payment - NetBanking Mutual Fund investments - Branch Mutual Fund investments - NetBanking Stop Payment of Cheques - NetBanking Stop Payment of Cheques - Mobile Banking Cancellation of DD/Pay Order payable at Other locations DD Revalidation Passbook Issuance Banker's Verification (Signature/Address/Photograph) Retrieval of Cheque/ Instruction

Travel Card Fees

Card Issuance Card Re-load Balance Re-fund Forex Conversion Replacement Card delivered with expedited Mail ATM Withdrawal ATM Balance Inquiry Rs. 150 Rs. 100 Rs. 75 Rs. 100 US$ 17.50 US$ 2.50 (Free at Chase ATMs, US$ 1.00 in other ATMs in US) US$ 1.00 (Free at Chase ATMs, US$ 0.50 in other ATMs in US)

Cancellation of DD/Pay Order payable at YES BANK locations Free

Rs. 100/ Instruction Rs. 100/ Instruction

Rs. 100/ Verification Rs. 100/ Verification

Common Guidelines
! An initial payment for opening a new account should include 1. Minimum Average Quarterly Balance of the account type PLUS 2. First year annual fee for Demat Account (plus taxes as applicable) and/or 3. Demat Account (plus taxes, as applicable) OR Subject to a minimum of Rs. 100 / whichever is higher. ! Card Rates apply for all Foreign Exchange conversion transactions less than USD 20000 (or equivalent) ! The charges for Forex transactions mentioned in the schedule of charges does not include any charge that may be levied by the originating/correspondent bank. ! A Foreign Exchange Conversion Charge of Rs.50 (plus service tax and education cess) will be levied on all forex sale and purchase transactions. ! Quarterly/Annual cycle charges as applicable on the account type can be recovered anytime ! In case of insufficient funds in the account, for recovery of charges, YES BANK reserves the right to force debit or make repeated attempt(s) to recover charges due. ! The charges mentioned in the schedules are exclusive of taxes as applicable from time to time. ! 100% relaxation of AQB maintenance, Debit Card Annual Fee for Primary Applicant only and Account Closure charges shall be available for Salary Savings Account (however continuation of this facility post cessation of salary credits shall be at the sole discretion of YES BANK) ! Average Quarterly Balance (AQB): AQB is the average daily balance maintained by the customer for a period of 90 days. It is a Summation of Daily Closing balances for a period of 90 Days/90. ! The bank reserves the right to offer No Frills Smart Salary Account.

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