Privacy Promise for Our Customers:

When you visit this web site YES BANK may collect personal information about you, either

directly (where you are asked to provide the information) or indirectly. While information is the

cornerstone of our ability to provide superior service, our most important asset is our

customers' trust. Keeping customer information secure, and using it only as our customers

would want us to, is a top priority for all of us at YES BANK. Hence, YES BANK will only use

these personal data in accordance with the purposes set forth in this Privacy Statement and is

committed to safeguarding the personal information collected. Here then, is our promise to our

individual customers:

• We will safeguard, according to strict standards of security and confidentiality, any

information our customers share with us.

• We will limit the collection and use of customer information to the minimum required to

deliver superior service to our customers, which includes advising our customers about our

products, services and other opportunities, and to administer our business.

• We will permit only authorized employees, who are trained in the proper handling of

customer information, to have access to that information. Employees who violate our

Privacy Promise will be subject to our normal disciplinary process.

• We will not reveal customer information to any external organization unless we have

previously informed the customer in disclosures or agreements, or authorized by the

customer, or are required by law. YES BANK disclaims any liability arising from use or

disclosure of information to any external organization.

• We will always maintain control over the confidentiality of our customer information. We

may, however, facilitate relevant offers from reputable companies. These companies are not

permitted to retain any customer information unless the customer has specifically expressed

interest in their products or services.

• We will inform customers at least once annually, how they may remove their names from

marketing lists. At any time, customers can contact us to remove their names from such

lists.

• Whenever we hire other organizations to provide support services, we will require them to

conform to our policy standards and to allow us to audit them for compliance.

• For purposes of credit reporting, verification and risk management, we will exchange

information about our customers with reputable reference sources and clearinghouse

services.

• We will not use or share - internally or externally - personally identifiable medical

information for any purpose other than the underwriting or administration of a customer's

policy, claim or account, or as disclosed to the customer when the information is collected,

or to which the customer consents.

• We will attempt to keep customer files complete, up to date, and accurate. We will inform

customers how and where to conveniently access their account information (except when

we are prohibited by law), and how to notify us about errors which we will promptly

correct.

• We will continuously assess ourselves to ensure that customer privacy is respected.

Internet Privacy Policy

Personally Identifiable Information ("Information") means information that is collected through

web site operated by YES BANK ("we" or "us") and how it may later be disclosed.

YES BANK endeavors to safeguard and ensure the security of the information provided by the

Customer. YES BANK uses 128-bit encryption, for the transmission of the information, which is

currently the permitted level of encryption in India. When the information provided by the

Customers is not transmitted through this encryption, the Customers' system (if configured

accordingly) will display an appropriate message ensuring the best level of secrecy for the

Customers' information.

The Customer would be required to cooperate with YES BANK in order to ensure the security

of the information, and it is recommended that the Customers necessarily choose their

passwords carefully such that no unauthorized access is made by a third party. To make the

password complex and difficult for others to guess, the Customers should use combination of

alphabets, numbers and special characters (like !, @, #, $ etc.). The Customers should undertake

not to disclose their password to anyone or keep any written or other record of the password

such that a third party could access it.

You can visit a web site and find out about YES BANK products and services and use value-

added services that may be available without giving us any Information about yourself. If you

must register at a web site to use one of its features or are interested in being contacted by YES

BANK about its products and/or services, you may input Information about yourself at the

web site. Where available, you may update your contact Information online. Otherwise, you

will need to contact YES BANK at the telephone number provided in order to do so. Any

Information you provide to us will be handled in accordance with the "YES BANK Privacy

Promise for Customers."

Non-customers who receive promotional e-mail messages about YES BANK products and

services may elect to not receive ('opt out' of) further messages. If you opt out from receiving

these e-mail messages, we will retain your e-mail address solely for the purposes of honoring

your request.

Purposes of processing

YES BANK respects the privacy of your personal information. Any personal information

provided by you to YES BANK through this website will be used solely for the purpose of

providing you with the services you have requested at this website and for other related

purposes including improving the design and marketing of our range of services and related

products for customer use, updating and enhancing YES BANK's records, development of web

statistics, understanding your financial needs, advising you of other products and services

which may be of interest to you and for fraud prevention purposes. The information you

provide will be used to contact you when necessary, e.g. to notify you about functionality

changes to the web site and to offer services that you may find helpful (provided you have not

opted out to receive such services).

If you are providing your details in connection with an application for employment, please refer

to our "Data Protection and Privacy Statement - Job Applicants" which will be displayed when

you apply (see our 'Careers' page). This Policy will not alter or affect any information otherwise

provided by you to YES BANK.

Other than to those individuals and entities listed below who are under a duty of confidentiality

to YES BANK, your details will not be revealed by YES BANK to any external body, unless YES

BANK has your permission, or is under a legal obligation or to protect and defend YES

BANK??s or its Affiliates/ Members/ Constituents/ Other persons rights, interests or property

or to enforce the terms and conditions of the products or services or any other duty to do so.

The information provided by you at this website may be disclosed by YES BANK to:

1. Other Companies in the YES BANK Group

2. Regulators

3. Lawyers

4. External Auditors

5. Third Party Service Providers

The Customer authorizes YES BANK to exchange, share, part with all information related to the

details and transaction history of the Customers to its group companies / banks / financial

institutions / credit bureaus / agencies/participation in any telecommunication or electronic

clearing network/ banking, credit cards, consumer finance, insurance and securities or as may

be required by law, customary practice, credit reporting, statistical analysis and credit scoring,

verification or risk management.

The Customer further authorizes YES BANK to disclose personal information about you to the

following types of non-affiliated third parties: (1) Financial services providers, such as

companies engaged in banking, credit cards, consumer finance, securities, and insurance, and

(2) Non-financial companies, such as companies engaged in direct marketing and the selling of

consumer products and services etc.

YES BANK disclaims any liability for any damage or loss suffered by the Customer as a result

of sharing of information with any of the parties as mentioned above.

Data Retention

Data provided by you is retained as long as the purpose for which the data was collected

continues. The data is then destroyed unless its retention is required to satisfy legal, regulatory

or accounting requirements or to protect YES BANK's interests. As a general rule, the maximum

retention period is 8 years.

YES BANK may gather and analyze information regarding usage of this web site, including

domain name, the number of hits, the pages visited, previous/subsequent sites visited and

length of user session. This information may be gathered by using a cookie. A cookie is a small

piece of information that a website stores on your computer??s hard drive that can later be

retrieved and read only by the same site. We may use cookies to:

1. Allow us to recognize the PC you are using when you return to our web site so that we

can understand your interest in our website and tailor its content and advertisements to

match your interests and to enhance your online experience (This type of cookie may be

stored permanently on your PC but does not contain any information that can identify

you personally);

2. Identify you after you have logged in by storing a temporary reference number in the

cookie so that our web server can conduct a dialogue with you while simultaneously

dealing with other customers. (You browser keeps this type of cookie until you log off or

close down your browser when these types of cookie are normally deleted. No other

information is stored in this type of cookie.);

3. Allow you to carry information across pages of our site and avoid having to re-enter that

information;

4. Allow you access to stored information if you register for any of our on-line services;

5. Enable us to produce statistical information (anonymous) e.g. track the number of

visitors to our website, which helps us to improve the structure and content of our web

site;

6. Enable us to evaluate the effectiveness of our advertising and promotions.

7. Enable us to present rotating information to you at our site.

Cookies do not enable us to gather personal information about you unless you give the

information to our server. Most Internet browser software allows the blocking of all cookies or

enables you to receive a warning before a cookie is stored. For further information, please refer

to your Internet browser software instructions or help screen. Alternatively, information on

deleting or controlling cookies is available at www.allaboutcookies.org

Internet Communications

In order to maintain the security of our systems, protect our staff, record transactions, and, in

certain circumstances, to prevent and detect crime or unauthorized activities, YES BANK

reserves the right to monitor all Internet communications including web and email traffic into

and out of its domains.

Sensitive Data

YES BANK does not seek to collect sensitive personal data (such as data revealing political

opinions, religious beliefs or data concerning health or sex life) through this site. If YES BANK

does seek to collect such data, your prior consent hereto will be asked. Please note that, by

providing YES BANK with unsolicited sensitive personal data you consent to our using those

data as described above.

Third party sites

Please note that this Privacy Statement does not extend to third party sites linked to this web

site.

Customer Obligations

The Customers shall not disclose to any other person, in any manner whatsoever, any

information relating to YES BANK or its group companies of a confidential nature obtained in

the course of availing the services through the website. Failure to comply with this obligation

shall be deemed a serious breach of the terms herein and shall entitle YES BANK or its group

companies to terminate the services, without prejudice to any damages, to which the customer

may be entitled otherwise.

Your Rights and How to Contact Us

If you wish to review Information provided on online applications, you can contact us to

request a copy of the personal account information you provided through our customer service

numbers. YES BANK may charge a fee for certain Information that is requested. It may also be

possible for Customers to review and change contact information such as address, phone and e-

mail information by signing on and updating their personal profile. To protect your privacy,

proof of identity or other authentication is required any time you contact us.

If you wish to access or correct or delete any of your personal data held by us, or if you have

any questions concerning our Privacy Statement please contact the relevant YES BANK Data

Protection representative via yestouch@yesbank.in or our toll free number 1800 -2000 (for calls

from India) and for calls from outside India you may call on 91 22 30993600

Contacting You

In providing your telephone, facsimile number, postal and e-mail address or similar details, you

agree that YES BANK may contact you by these methods to keep you informed about YES

BANK products and services or for any other reason. If you prefer not to be kept informed of

YES BANK products and services, please contact fill in your details on YES BANK’s website on

URL: http://www.yesbank.in/index.jsp?navigationUrl=DontCallRegistry_Oprhan

Sources of Information

The Information we collect about you comes from the following sources:

1. Information we receive from you on applications or other forms, such as your name,

address, and telephone number,

2. Information about your transactions with us, our affiliates, or non-affiliated third

parties, such as your account balances, payment history, and account activity,

3. Information we receive from a Customer reporting agency such as your credit bureau

reports and other information relating to your creditworthiness, and

4. Information we receive about you from other sources, such as your employer and other

third parties.

Disclaimer for data on third party website

At your request, we will now be providing you access to a third party site which is not owned,

controlled or endorsed by YES BANK Ltd. Such information is provided only for the

convenience of the customers and does not amount to an offer, advertisement, invitation or

promotion of any product or services of YES BANK Limited or any third parties and is not

intended to create any right or obligations against us. YES BANK Ltd shall not be responsible

and / or liable nor does YES BANK Ltd guarantee and / or undertake any liability or

responsibility for the details, accuracy, completeness or correct sequence of any content or

information provided in the linked third party site, including the genuineness or quality of the

third party web site. We advice you that the third party website is not owned or controlled by

YES BANK Limited and usage of the contents posted therein are subject to the terms, conditions

and disclaimers posted in the third party web site. We request you to read the terms, conditions

and disclaimers of such third party website before accessing services or products offered by

such third party website. The use of any service, products or information hosted in the third

party website is at your sole risk and discretion. Neither YES BANK Ltd nor any of its directors,

employees, officers and / or agents shall be liable for any direct, indirect, incidental, special or

consequential loss or damages (including, without limitation for loss of profit, business

opportunity or loss of goodwill) whatsoever, whether in contract, tort, misrepresentation or

otherwise arising from the use of the linked third party site. The information available on the

website is subject to change, updation, revision, verification and amendment without notice and

such information may change materially.

Amendments

YES BANK reserves the right to amend sections of its prevailing Privacy Statement at any time

and will place any such amendments on this website. Please check this statement from time to

time for any changes. The effective date of this policy, as stated below, indicates the last time

this policy was revised or materially changed. Checking the effective date below allows you to

determine whether there have been changes since the last time you reviewed the policy.

Effective Date

This policy was last modified on February 22, 2012

This Privacy Statement is not intended to, nor does it, create any contractual rights whatsoever

or any other legal rights, nor does it create any obligations on YES BANK in respect of any other

party or on behalf of any party.