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DCB NIYO PREPAID CARDTERMS AND CONDITIONSThe CardThese Terms and Condition are for DCB NiYO Prepaid Cards issued to DCB NiYO PrepaidCardholders by DCB Bank Limited a Banking Company incorporated under the Companies Act,1956 (CIN L99999MH1995PLC089008) and having its Registered Office at 601 & 602, PeninsulaBusiness Park, 6th Floor, Tower A, Senapati Bapat Marg, Lower Parel, Mumbai – 400 013 (“DCBBank”). In these Terms and Condition ‘you’ denote the DCB NiYO Prepaid Cardholder andDCB Bank denote the DCB Bank Limited.Please make sure you have read the DCB NiYO Prepaid Card Terms and Conditions carefullybefore using the DCB NiYO Prepaid Card. By using the DCB NiYO Prepaid Card you unconditionallyand irrevocably accepting the terms and conditions listed hereunder and will be bound by them at alltimes and you accept the onus of ensuring compliance of the relevant Reserve Bank of India (RBI)Regulations framed by the Reserve Bank of India, as amended /modified from time to time and anyother corresponding enactment/law in force from time to time.ApplicationThe DCB NiYO Prepaid Cardholder acknowledges and understands that the DCB NiYO PrepaidCard is being issued to the Cardholder on the basis of his/her application.DCB NiYO Prepaid Card Validity and DCB NiYO Prepaid Cardholder’s ObligationsThe DCB NiYO Prepaid Card is valid for 2 years from the date of manufacturing printed on the DCBNiYO Prepaid Card.The issue and use of the DCB NiYO Prepaid Card shall be subject to the rules and regulations asissued by DCB Bank and Reserve Bank of India and other Regulators from time to time.The DCB NiYO Prepaid Card shall be valid only for transaction options, as permitted by DCB Bankfrom time to time in India, at Point of Sale (POS), online transactions and all Rupay ATMs.The DCB NiYO Prepaid Card will be at all times the property of DCB Bank and shall be returned toDCB Bank unconditionally and immediately upon DCB Bank‟s request. The DCB NiYO PrepaidCardholder is requested to ensure that the identity of the DCB Bank‟s officer is established beforehanding over the DCB NiYO Prepaid Card.The DCB NiYO Prepaid Card is non-transferable and/or non-assignable by the DCB Bank PrepaidCardholder under any circumstances to anyone.Ver 1 / Rushabh Parekh / Cards Team/ August/ 2020Page 1 of 7

DCB NIYO PREPAID CARDTERMS AND CONDITIONSYou must sign on the reverse side of the Card immediately upon receipt. You must not permit anyother person to use it and should safeguard the DCB NiYO Prepaid Card from misuse by retainingthe DCB NiYO Prepaid Card under your personal control at all times.The Personal Identification Number (PIN) issued to the DCB NiYO Prepaid Cardholder for use withthe DCB NiYO Prepaid Card at POS, online transaction and Rupay ATMs or any other numberchosen by the DCB NiYO Prepaid Cardholder as a PIN, will be known only to the DCB NiYO PrepaidCardholder and is for the personal use of the DCB NiYO Prepaid Cardholder and is non-transferable,non-assignable and strictly confidential. A written record of the PIN should not be kept in any form,place or manner that may facilitate its misuse by a third party. The PIN should not be disclosed tostaff of the Bank or to merchant establishments, under any circumstances by any means whethervoluntary or otherwise.The DCB NiYO Prepaid Cardholder‟s DCB NiYO Prepaid Card will be debited immediately with theamount of the withdrawal, transfer and other transactions effected by the use of the DCB NiYOPrepaid Card. Sometimes the times the transaction amount and / or tips, surcharge or exceptionaltransaction amount would be debited to your account subsequently / at a later date. The DCB NiYOPrepaid Cardholder will ensure that he/she has/had sufficient balance on the DCB NiYO PrepaidCard to meet any such requirements.The DCB NiYO Prepaid Cardholder shall not be entitled to withdraw funds by the use of the DCBNiYO Prepaid Card in excess of the sufficient balance in the DCB NiYO Prepaid Card.The DCB NiYO Prepaid Cardholder will be responsible for transactions effected by using the DCBNiYO Prepaid Card whether authorized by the DCB NiYO Prepaid Cardholder or not, and shallindemnify the DCB Bank against any loss or damage caused by the unauthorized use of the DCBNiYO Prepaid Card or related PIN, including any penal action arising there from on account of nayviolation of RBI guidelines or any other law being in-force in India notwithstanding the termination ofthis arrangementYou hereby undertake to destroy the DCB NiYO Prepaid Card on its expiry or closure by cutting itinto several pieces through the magnetic strip. You may call DCB Bank 24 Hours Customer for DCBNiYO Prepaid card renewal, reissue or closure before expiry. DCB Bank reserves the sole right anddiscretion of renewing your DCB NiYO Prepaid Card account upon expiry.Ver 1 / Rushabh Parekh / Cards Team/ August/ 2020Page 2 of 7

DCB NIYO PREPAID CARDTERMS AND CONDITIONSThe DCB NiYO Prepaid Cardholder will inform DCB Bank in writing about any irregularities ordiscrepancies that exist in the transaction details at an ATM or merchant establishment / onlinetransactions within 7 days of the transaction processed. If no such notice is received during this time,DCB Bank will assume the correctness of transaction.Fees:Transaction fees for cash withdrawal, balance enquiry and, or other transactions whereverapplicable, will be debited to the DCB NiYO Prepaid Card at the time of posting debit entry of thetransaction amount or at the end of the day.The charges / fees applicable on the usage of the DCB NiYO Prepaid Card maybe revised/changedby the DCB Bank and Finnew Solutions Private Limited from time to time without prior intimation tothe DCB NiYO Prepaid Cardholder(s).Any charges/fees appearing in this terms and condition does not include Service Tax and, or anyother cess or taxes, the same may be collected in addition to such fees or charges as applicablefrom time to time.Lost or Stolen DCB NiYO Prepaid CardIn the event that the DCB NiYO Prepaid Card is lost or stolen, the occurrence must be reported toDCB Bank 24 Hour Customer Care immediately by fastest means of communication followed with awritten communication. A copy of the acknowledged police complaint must accompany the saidwritten communication.You hereby undertake to indemnify DCB Bank and Sienna fully against any liability / (civil orcriminal), loss, cost, expenses or damage (including the attorney fees) that may arise due to loss ormisuse of the Card in the event that it is lost / stolen and not reported to the Bank, or lost andmisused before DCB Bank is informed. Provided you have in all respect complied with the terms andconditions, a replacement DCB NiYO Prepaid Card may be issued at the sole desecration of DCBBank at the applicable fee.If it is determined that you were grossly negligent or fraudulent in handling of the DCB NiYO PrepaidCard, DCB Bank would not entertain any request for refund/reimbursement of fraudulent usage ofthe lost/stolen DCB NiYO Prepaid Card. If any amount is credited to your DCB NiYO Prepaid Cardbased on your representation and, or any information provided by you, DCB Bank would recover theVer 1 / Rushabh Parekh / Cards Team/ August/ 2020Page 3 of 7

DCB NIYO PREPAID CARDTERMS AND CONDITIONSamount from you without any prior notice. You hereby undertake to indemnify DCB Bank fullyagainst any liability, loss, cost, expenses, damage that may arise due to your negligent or fraudulenthandling of the DCB NiYO Prepaid Card.Should you subsequently recover the DCB NiYO Prepaid Card, as it cannot be used, please destroythe DCB NiYO Prepaid Card by cutting it into several pieces through the magnetic strip.DisputesIn case of purchase transactions, a sales slip with the signature of the DCB NiYO PrepaidCardholder together with the DCB NiYO Prepaid Card number noted thereon (by masking some ofthe digits for confidentiality reason) shall be conclusive evidence between DCB Bank and DCB NiYOPrepaid Cardholder as to the extent of the liability incurred by the DCB NiYO Prepaid Cardholderand neither DCB Bank shall be required to ensure that the DCB NiYO Prepaid Cardholder hasreceived the goods purchased / availed of the service to the DCB NiYO Prepaid Cardholder‟ssatisfaction.DCB Bank shall make bonafide and reasonable efforts to resolve an aggrieved DCB NiYO PrepaidCardholder‟s disagreement with an applicable charge indicated in the account statement or asotherwise determined the DCB NiYO Prepaid Cardholder within two (2) months of the receipt ofnotice of disagreement. If after such effort DCB Bank determines that the charge is correct, then itshall communicate the same to the DCB NiYO Prepaid Cardholder.DCB Bank accepts no responsibility and liability for the refusal of any establishment/merchant tohonor the DCB NiYO Prepaid Card.This arrangement will be construed in accordance with and governed by the laws of India. Alldisputes are subject to the exclusive of jurisdiction of the courts of Mumbai in India irrespective ofwhether any court may have concurrent jurisdiction in the matter. The mere fact that any service canbe accessed through internet, mobile or phone by the cardholder in a country other than India shallnot be interpreted to imply that the laws of the said country govern these terms and conditions and,or the operations in the said account of the cardholder, or the use of any of these services.Ver 1 / Rushabh Parekh / Cards Team/ August/ 2020Page 4 of 7

DCB NIYO PREPAID CARDTERMS AND CONDITIONSThe DCB NiYO Prepaid Cardholder will be liable and responsible for all the cost associated with thecollection of dues, legal expenses (if it becomes necessary to refer the matter to any agent), orwhere legal resources have been utilized in the resolution of a dispute.Rupay PaySecureDescription of PaySecurePaySecure by Rupay provides you with a way of increasing security for online transactions byreducing the chance of fraud for those transactions. Registering for PaySecure involves providingpersonal information to DCB Bank, which is then used to confirm your identity for future onlinetransactions for which PaySecure is used. PaySecure also may be used for record keeping andreporting purposes, as well as to help resolve transaction disputes.Limitation of LiabilityYou acknowledge and agree that, except as otherwise provided by any applicable laws DCB Bankshall not be liable and responsible for any loss or damage arising from your failure to comply withthese terms and conditions.You agree that DCB Bank shall not be liable and responsible to you or to any third party for anymodification; suspension or discontinuance of PaySecure.Under no circumstances will DCB Bank be liable for consequential, incidental, special or indirectlosses or other damages, such as any damage to your computer or telephone service resulting fromyour use of PaySecure.DCB Bank will assumes no responsibility for, and will not be liable for, any damage to, or any viruseswhich may affect, your computer equipment or other property on account of your access to, use of,or downloading from, the said websites.You agrees that „online alerts‟ are sent by DCB Bank to the mobile number registered for SMSalerts with DCB Bank and you shall take steps to get registered for SMS alerts to receive alerts fortransactions done on your DCB NiYO Prepaid Cardholder Card.Ver 1 / Rushabh Parekh / Cards Team/ August/ 2020Page 5 of 7

DCB NIYO PREPAID CARDTERMS AND CONDITIONSDisclaimer of WarrantiesYou expressly understands and agrees that any software obtained through the use of PaySecure isdownloaded and used at your own discretion and risk and responsibility and that except as otherwiseprovided in the Terms and Condition, you will be solely liable and responsible for any damage toyour computer system or loss of data that results from the download or use of any such software orother materials through PaySecure.EXCEPT AS OTHERWISE REQUIRED BY ANY APPLICABLE LAW, DCB BANK MAKES NOREPRESENTATIONS OR WARRANTIES ABOUT PaySecure AND ANY KIND, EXPRESS ORIMPLIED, INCLUDING ANY WARRANTIES AS MERCHANTABILITY OR FITNESS FOR APARTICULAR PURPOSE. PaySecure is provided and made available to you on an “as is” basis.Schedule of charges of DCB NiYO Blue Card (Prepaid Card)Sr.NoParticulars1Joining Fees238Monthly FeesAnnual FeesReissue of lost/stolen/damagedCardReissue Card PINCash Withdrawal at other thanDCB ATMBalance Enquiry at other than DCBATMLate Payment Fee9DCB ATM Cash Withdrawal FeeNIL101112DCB ATM Balance Enquiry Feee-Statement RequestPetrol Transaction ChargeNILNIL2.5% of transaction13Rail Ticket Booking/CancellationSurcharge2.5% of transaction14Account Closure ChargesNIL45671516Existing ChargesINR NIL / INR 250 at the time ofIssuanceNILINR NIL / INR 200INR NIL / INR 200 per instanceNILINR 20 per transactionINR 10 per transactionNILQuarterly Card Maintenance Fee(applicable if there are no customerINR 50 per quarterinduced transactions in last 90 daysor the quarter)Fund Transfer Fee (within India)Transaction Amountof INR 0 to INR 2500Transaction Amountof INR 2501 to INR 5000Ver 1 / Rushabh Parekh / Cards Team/ August/ 2020INR 10 per transactionINR 15 per transactionPage 6 of 7

DCB NIYO PREPAID CARDTERMS AND CONDITIONSTransaction Amountof more than INR 5,000INR 20 per transaction** all charges are exclusive of taxesDCB Bank at its discretion may reduce or waive any of the above fees. Such offers shall becommunicated at the time of sourcing.The aforementioned Terms and Condition are subject to change from time to time at the solediscretion of DCB Bank. For updated Terms and Condition, you may visit DCB Bank‟s website.Ver 1 / Rushabh Parekh / Cards Team/ August/ 2020Page 7 of 7

DCB NIYO PREPAID CARD TERMS AND CONDITIONS Ver 1 / Rushabh Parekh / Cards Team/ August/ 2020 Page 1 of 7 The Card These Terms and Condition are for DCB NiYO Prepaid Cards issued to DCB NiYO Prepaid Cardholders by DCB Bank Limited a Banking Company incorporated under the Companies Act, 1956 (CIN L99999MH1995PLC089008) and having its Registered .