Dear Sir,

Thank you for writing to us at State bank Customer Service. We appreciate your business with us. Further to your query regarding inter bank transactions, we wou d ike to keep you informed that inter bank payee means anyone having account in any bank other than S!" and its associates. To add and approve an inter bank payee, on ine transaction rights shou d be activated on your account. # ease fo ow the be ow steps to add and approve an inter bank payee ST$# % To add an inter bank payee, se ect #rofi e Tab, se ect the &anage beneficiary. $nter profi e password to proceed and se ect "nter !ank payee option ST$# ' The &anage "nter bank payee page wi appear disp aying (dd, &odify De ete )iew, and (pprove inks. ST$# * Se ect (dd, and enter the name of beneficiary, beneficiary+s account number, confirm the same by re,entering it, enter the address of the beneficiary and set a transfer imit. -The ma.imum imit provided by the bank is /s 0 acs.1 "f you know the "FSC code of the beneficiary bank, se ect the same and enter the code. 2therwise se ect the ocation, and se ect the name of the bank, state and branch of the beneficiary+s bank from dropdown menu. (ccept the terms and conditions and C ick Confirm. The confirmation page wi be disp ayed. 2ne Time 3sage S&S -4igh Security1 password is sent to your registered mobi e number for approva of the inter bank payee. ST$# 5 To approve the inter bank payee se ect the 6&anage inter bank payee+ ink in the 7#rofi e8 tab. ST$# 0 2n the 7&anage "nter bank payee8 page under 7&anage !eneficiary8 in #rofi e Tab, se ect the (pprove ink. The ist of the inter bank payees whose approva is pending wi be disp ayed. Se ect the inter bank payee you want to approve. The name of the beneficiary, account number, branch, bank and type wi be disp ayed. "f the type is9

:$FT9 it imp ies that the beneficiary bank is :$FT enab ed /T;S9 it imp ies that the beneficiary bank is /T;S enab ed !oth9 it imp ies that the beneficiary bank is both :$FT < /T;S enab ed $nter the 4igh security password you have received on your mobi e and c ick on 7(pprove8. "f password is va id, the confirmation page wi be disp ayed indicating that the inter bank payee is approved successfu y. "f you are facing prob ems in receiving the password then c ick on the ink 6/esend the S&S+. :ote9 =our approved inter bank payee wi be activate for transfer of fund within the ne.t %> 4ours. ST$# > -on y in case if you do not have access to mobi e number1 C ick on the ink 7C ick here to send a request to the branch8. =ou wi be disp ayed a reference number. =ou can either send a written request du y signed with necessary detai s to the branch quoting the reference number 2/ #rint the !ranch (pprova Form disp ayed be ow as a ink and submit it to the branch du y signed fi ing the necessary detai s for approva of the inter bank payee. 2n y then your added inter bank payee wi be approved by the branch. We wou d ike to inform you that for inter bank transfer, p ease se ect the "nter bank #ayee ink under #ayment and transfer tab Se ect the type of transaction9 /T;S, :$FT and State !ank ;roup Transfer. C ick proceeds. We wou d ike to advise you that min amount for /T;S transfer is /s. % acs and the amount can be credited in beneficiary account having account with some other /T;S enab ed bank+s branch on same date if the amount is transferred within specified time. The :$FT transactions wi be sett ed within ',* days depending upon the sett ement period and there is no restriction of min amount. State !ank ;roup transfer invo ves transfer between State !ank and (ssociate !ank or vice versa and is sett ed immediate y under sett ement time. Se ect the debit account, enter the amount and remark. This remark wi appear in the account statement as narration for this transaction. (ccept the terms and conditions and Se ect anyone from the ' payment options9 1) Pay now: the amount will be transferred immediately. 2) Schedule Later: the transfer can be scheduled for any date in current month plus next two calendar months. C ick Submit button. The system wi disp ay the ast 0 such transactions made by you to ensure there are no dup icate credits. )erify the transactions and c ick Continue.

(n interim page wi disp ay the detai s of the current transaction ike debit account, amount, remarks and third party detai s. )erify the same and c ick 6Confirm+. "n case, the high security is enab ed by you for on ine transaction, kind y enter the password received by you on your mobi e registered for the purpose. "f there is a de ay in getting 4igh Security #assword on your mobi e, you may input the #rofi e password by c icking the ink avai ab e on the page and confirm to comp ete the transaction. ( confirmation page wi be disp ayed, note the internet banking transaction reference number to trace the status in future We also like to keep you informed that you would have option of setting a standing instruction for the third party transfers which is permitted for 365 days from the start date. ?ind y se ect frequency of transfer -days or month1, schedu e of payment i.e. if frequency se ected is days, then the transfer is to be made in how many days -every %@ days or every %0 days etc as per your requirement1. :o of payments a so require to be mentioned apart from the start date. For registration of standing instruction, you wi have to register your mobi e number with the bank and high security password received on mobi e is required for authentication of registration of standing instructions. (fter fi ing in the required information, system wi disp ay the previous standing instructions registered by you. "f you have registered none, it wi show ni . # ease c ick the continue button. ( page giving the fu detai s of S" registered by you wi be shown. =ou are required to verify the detai s for its correctness and thereafter c ick the confirm button. "n ne.t page, high profi e password received on your mobi e requires to be input for authentication "n case there is a de ay in getting 4igh Security #assword on your mobi e, you may input the #rofi e password by c icking the ink avai ab e on the page and confirm to comp ete the transaction. ( confirmation page wi be disp ayed, note the internet banking transaction reference number to trace the status in future. For hasse free transactions, p ease note the permissib e transaction imits of /T;SA:$FT transfers and charges app icab e on these transfers. The transaction imits9 Type &inimum &a.imum /T;S /s. % Bac /s 0 acs set by !ank for internet transactions :$FT :o Bimit /s 0 acs set by !ank for internet transactions The Service Charges (pp icab e per transaction9

Type /T;S :$FT

(mount 3pto /s 0 acs /s 0 acs < above 3pto /s % ac /s % ac < above

Charge /s '0 /s 0@ /s 0 /s '0

For any further assistance p ease emai us at ibankingCsbi.co.in or ca our '5 hour to free customer service number %D@@ %% '' %% -!S:B or &T:B numbers1 and %D@@ 5'0 *D@@ from other phoneA mobi e. /egards, S!" C2:T(CT C$:T/$

--Original Message-From: bakshisaikat57@gmail.com Date: 10/7/2011 11:06:57 M !o: contactcentre@sbi.co.in "#b$ect: net banking sir% & am a ne' #ser o( net banking an) not (amiliar 'ith the net banking s*stem.+in)l* tell me the ,roce)#re o( -e(t (#n) trans(er.i 'ant to trans(er (#n) to another ./&/ bank acco#nt..lso tell me is there an* risk o( hacking o( m* acco#nt &( i kee, net banking acti0ate) on m* acco#nt that is & ask *o# 'hether net banking is #nsa(e. --- Disclaimer --- !he in(ormation in this mail is con(i)ential an) is inten)e) solel* (or a))ressee. .ccess to this mail b* an*one else is #na#thorise). 1o,*ing or (#rther )istrib#tion be*on) the original reci,ient ma* be #nla'(#l. .n* o,inion e2,resse) in this mail is that o( sen)er an) )oes not necessaril* re(lect that o( "tate 3ank gro#,. -