Annexure A 1 : Letter from Customer regarding declaration of existing credit facilities for

account opening.

(To be obtained on the letterhead of the entity)

The Branch Manager,

Date:
YES Bank Limited

Dear Sir/Madam,

Sub: Opening of Current / CCOD Account by ____________________________ (“Entity”) with YES BANK
LTD (“Bank/YBL”)

This is in regard to my/our/Entity’s application for opening current account with YES Bank ……………….
Branch. As part of the account opening process, I/we are required to provide a declaration with respect to
the Credit facilities*, availed by me/us/ Entity from the Banking system. I/we hereby confirm as under:

Note: ‘Credit facility’ for the purpose of this Declaration would include Terms loans, Overdraft,
Cash Credit, Working Capital Limits, Bank Guarantee, Documentary Credit (Letter of credit),
Export Finance, Mortgage Loans, Warehouse receipt Finance, Factoring, Bill discounting, Cheque
discounting, Import`s finance (Buyer`s credit),Treasury Limits or any other Limit whether
secured or unsecured, **Overdraft/Cash Credit facility only for facilitating Business Correspondent (BC)
transactions**.

(Please tick ANY ONE appropriate scenario that the Entity currently falls under)

Scenario 1: No Credit facilities / Total Credit facilities with the Banking system is less than
Rs 5 crore

I / We declare that I / We / Entity do/ does not enjoy credit facilities with any banks
(including YES BANK) or my / our/ Entity’s total credit exposure with the banking system is
less than Rs 5 crore, and I/ We shall inform YES BANK as and when the credit facilities availed
by me / us / Entity from the banking system reaches Rs 5 crore or more

or

Scenario 2: Credit Facilities with the Banking system is more than ₹5 crore and YBL is the
only lender

I/We confirm that my/ our/Entity’s credit exposure is only with YES BANK and I/we
therefore confirm to close all the existing current account with other bank/s.
or

Scenario 3: Credit Facilities with the Banking system is more than ₹5 crore, CC/OD with
YBL and YBL Exposure is > 10% of Total Credit Exposure

I/We confirm that my/ our/Entity’s credit exposure with YES BANK is at least 10 per cent
of the total exposure of the banking system, and I/we therefore confirm to close all the existing
current account with other bank/s.

or

Scenario 4: Credit Facilities with the Banking system is more than ₹5 crore, CC/OD with
YBL and YBL has highest exposure with none of the banks having exposure of 10% or
more

I/We confirm that my/our/Entity’s credit exposure with YES Bank is less than 10 per cent of
my/our/Entity’s total exposure of the banking system and none of other bank has higher
exposure than YES Bank. I/we therefore confirm to close all the existing current account with
other bank/s.

or

Scenario 5: No CC/OD, Total Exposure is greater than Rs 50 crs, YBL is a Lender and is the
Escrow Managing bank

I/We confirm that YES Bank is the Escrow Managing Bank of M/s.___________ and escrow
account No.___________________ is opened with YES Bank.

or

Scenario 6: No CC/OD, Total Exposure is greater than Rs 50 crs, YBL is a Lender and YBL is
not the Escrow Managing bank i.e Collection account being opened

I/We hereby confirm that my/our/Entity’s total credit exposure of the banking system is ₹50
or more and ____________is the Escrow Managing Bank. Request to convert my/our/Entity’s
current accounts into collection account/ open a Collection account and set up SI (standing
Instruction) as below:
 Name of the Frequency of
Serial Account Beneficiary
Lending Bank and IFSC Code amount to be
No. Number Name
Branch transferred
Day 1
Day 2

or

Scenario 7: Credit Facilities with the Banking system is more than ₹5 crore and YBL
Exposure is < 10% of Total Credit Exposure i.e Collection Account to be Opened

I/We hereby confirm that my/our/Entity’s total credit exposure of the banking system is more
than ₹5 crore and YBL share is < 10% of total credit exposure and YES bank is not the highest
lender. Request to convert my/our/Entity’s current accounts into collection account / Open a
Collection account and set up SI (standing Instruction) as below:

Name of the Frequency of

Serial Account Beneficiary
Lending Bank and IFSC Code amount to be
No. Number Name
Branch transferred
Day 1
Day 2

or

Scenario 8: No CC/OD, Total Exposure is 5 to 50 crs, YBL is not a Lender i.e Collection
Account to be Opened

I/We hereby confirm that my/our total credit exposure (non CC/OD exposure) of the banking
system is ₹5 crore or more and YBL is not one of my/our/Entity’s lender. Request to convert the
current accounts into collection account or open a Collection account and set up SI (standing
Instruction) as below:

Name of the Frequency of

Serial Account Beneficiary
Lending Bank and IFSC Code amount to be
No. Number Name
Branch transferred
Day 1
Day 2

Scenario 9: For Business Correspondent entities who have availed OD/CC only for
facilitating Business Correspondent (BC) transactions (Refer Type of Facility selected
above)
 I/we declare that the OD/CC extended to customer M/s. ____________is in the capacity of
Business Correspondent and is extended only for facilitating the specified banking services on
behalf of such Banks (viz. disbursement of loans/ facilitating customer transactions or any
similar banking transactions as may be allowed to be conducted by us in the capacity as a BC of
such Bank. I/we agree that apart from the purpose for which such OD/CC facility is extended
to us, no other debit/credit transaction is routed through these accounts.

I/We hereby understand that the Bank has agreed to open the account basis my/our declaration
as contained in Section A and B above and I/we/Entity agree to indemnify the Bank and keep
the Bank at all times harmless from and against all actions, suits, proceedings, costs, claims,
demands, charges, expenses, losses, penalties, damages and liabilities howsoever arising in
consequence of opening and operation of the bank account in YES bank due to the incorrect or
false declaration provided by me/us or my/our failure to intimate the Bank about any change in
the credit facilities declared by me/us or any increase in the aggregate amount of credit facilities
availed by the Entity.

I/We further declare that all the credit facilities availed by me/us and information declared above
is true and upto date in all respects. If any of the information provided hereinabove is found to
be incorrect, Bank shall have the right to mark freeze or close the account, without giving prior
notice to me/us. I/we hereby voluntarily give my/our consent to extract the information
available in Central Repository of Information on Large Credits (CRILC), Credit Information
Companies (CICs), National E-Governance Services Ltd. (NeSL), etc to compute my/our/Entity’s
aggregate exposure for the purpose of opening Current Account as per RBI Guidelines.

Request to kindly process my/our application for Current Account opening in the name
of._________________________________________________________________.

Thanking you,

_____________

{Signature and Seal of the any of the Directors / Partners/Trustee/Member / Authorised

Signatory/

Sole Proprietor}

______________________{Signatory Name & Designation}

____________________{Place}