A Comprehensive Banking Solution for Start-ups

Starting a business involves dealing with various challenges, so choosing the right bank is essential

that provides a supporting role in areas where it is needed the most and expertise in the required areas.

YES BANK, India’s 5th largest private sector bank and the �rst Green�eld bank, started its operation in

2004, making it a young Start-up bank itself. We therefore understand our nation’s entrepreneurship

zeal and are able to establish a much closer relationship with the start-up businesses which have just

begun or still beginning their operations.

YES BANK follows an approach as depicted in the chart below:

KNOWLEDGEBANKING

MONEYDOCTOR

APPROACH

ONE STOPBANKING

RELATIONSHIPMANAGEMENT

OWN FUNDS

INCUBATION

GROWTH

EXPANSION

BANKFINANCE

PRIVATEEQUITY

IPO

VENTURECAPITAL

BANKERS ROLE IN START-UP LIFE CYCLE

A Comprehensive Banking Solution for Start-ups

YES BANK Current account solutions have unique advantages and host of value added services that are

of utmost important to your business.

Enjoy the banking bene�ts available in YES Head-START-UP Current Account with maximum

cost-saving features. Following are the key free* of charge services to manage your business and

transaction needs:

No balance commitment for 1st year of relationship

Anywhere Banking any YES BANK location with no additional charges

Free anywhere payments and collections through cheque

Free RTGS/NEFT/Intra-Bank FT collections & payments

Best-in-class YES FIRST World Business Debit Card with higher transaction limits

Free banking through NetBanking, MobileBanking, PhoneBanking

Free At-Par Cheque book and Demand Drafts

* Refer to Schedule of Charges for complete details on free limit & charges applicable

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Proposition YES HeadSTART-UP

AQB No Balance Commitment for 1st Year;`25,000/- per Qtr there-after

RTGS @ All Channels FREE*

NEFT @ All Channels FREE*

At-Par Cheque Book 100 leaves free per month

DD @ Correspondent Bank Location Chargeable

Collection Services (Non Cash) FREE*

Cash Deposit – free limit ` 10 lacs per month (across Home & Non Home Branches)

Debit Card YES FIRST World Business Card – FREE*

ATM Transactions Domestic – FREE*International – 5 Txn FREE* per month

Debit Card Limit ` 2 Lac(On Line / POS / ATM)

Outward Cheque Return 10 cheque returns FREE* per month

PRODUCT AT A GLANCE

* Refer to Schedule of Charges for complete details on free limit & charges applicable

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Smart Tally Easy integration of Tally ERP with Yes Bank payment solution Available for user with Tally ERP 9 (version 4.8 and above) Minimal process change at client’s end Auto reconciliation with bank statement Option of auto upload by using host to host integration

HOST-2-HOST e-PAYMENTS Auto-pickup of the file from the specified folder location from the client‘s

server or YBL Server thus reducing scope of error and reduced manualintervention Auto upload of the files in Corporate Net Banking and processing post

automatic/manual authorization ERP supported Account Statement through email

NODAL ACCOUNT Nodal account offering for e-Commerce companies as per RBI guidelines Simplified payment services to facilitate payments to be made to the

merchants in line with the merchant agreements. Online access to account transactions enabling ease in reconciliation

E-COLLECT A customized online receivables solution which enables real-time online

credit vide RTGS/NEFT/IMPS channels Creates Virtual Account Numbers on a real-time basis Enables data validation on the remitter database basis business rules shared

by the customer Provides intra-day MIS in a customizable format along with SMS/ Email

notification and remitter validation

Key Offerings to Enhance Transaction Efficiency

API Banking Integration with client end systems (ERP/Accounting packages/Any other

legacy system) with bank’s system API’s for standard banking services like Balance Enquiry, IFS Code look up,

Fund Transfer etc Provision for the systems check (@ Clients end) for the status of the

transactions initiated so as to update into the host systems real time Available for Receivables as well

GLOBAL BUSINESS (TRADE FX SERVICES)

• Letters of Credit• Trade Credit - Buyer’s/Supplier’s Credit• Bills on Collections• Bank Guarantee / SBLC• Bullion

• Pre & Post - Shipment Finance• Export Collections• Export LC advising & Confirmation• Bank Guarantee / SBLC

• Inland Letters of Credit• Bank Guarantees / SBLC• Local bill discounting

Trade Remittance Services• Inward/Outward RemittancesCollection Services• Import / Export CollectionsLC Advising/ Negotiation /ConfirmationForeign Exchange ServicesCurrency risk hedging throughforwards & options

Foreign Direct Investments • Advisory• Regulatory Filings & approvals• Currency risk hedging through

forwards & optionsOverseas Direct InvestmentExternal Commercial BorrowingsRegulatory Advisory• FEMA/RBI GuidelinesOther Capital Account Transactions

Capital Account Transactions Receivables & Payables

Import Finance Export Finance

Inland Trade Trade Services

Financial Supply Chain SolutionsDealer FinancingReceivable Financing with assignmentChannel Finance / Vendor Finance/Supplier FinanceStructures Trade Finance• Factoring/Forfaiting

Innovative Structuring capabilities through dedicated Capital Account DeskWorld class Services with Global footprintFinancial & Information Security with adequate control mechanismsEnhanced Information Alerts through E-advices & transaction alertsBenchmarked and Certified Systems & Processes• Trade On Net– An online platform to manage your trade transactions at the click of a key– Secured access & Superior experience / update on trade transactions status

ISO certified back office

Best In Class offering with

A unique digital working capital management solution that will enable decision makers to view and approve transaction requests even when they are travelling or are out of office. Comprehensive Real time Account Balances Onscreen transaction processing File uploads with a provision to attach a scanned copy of the request letter alongside Ability to configure Maker- Checker facility; Checkers have the option to access the app

through mobile devices as well (Tab/Mobile Phone) OTP to the registered mobile number of authorizers as an added security feature Scan Banking – Ability to scan documents (requests) to the bank in a secured manner

PAYMENT GATEWAY

Offers entire bouquet of transaction - Credit cards, Debit card,NetBanking, etc., under single agreement and single integration kit Offers a higher success rate (>90%), International credit cards can be

enabled for selective cases Real-time transaction monitoring features Analytic tools with Graphics

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* Rates are subject to change at the sole discretion of YES BANK. Conditions apply.

^^ YES SECURITIES Investment Account is offered by YES SECURITIES (INDIA) LTD., which is a subsidiary of YES BANK LTD.

** Terms & Conditions Apply.

CORPORATE SALARY OFFERINGS

Gives capability of direct transfer of salaries / reimbursements from current account to the employees’ accounts

Key Features Earn a higher interest rate of 6% p.a. on your YES BANK Savings Account * Salary Account with Nil Minimum Balance requirement Free Payable at-par multicity cheque book at YES BANK locations Free NEFT & RTGS transaction via Netbanking Free Personal Accident Death Insurance** Daily Cash Withdrawal limit of INR 25,000 & POS limit of INR 25,000 on Debit Card Preferential pricing on Loan products (Personal Loan, Auto Loan, Affordable Home

Loan, Gold Loan, LAS, LAP) YES BANK Credit Cards available with host of exciting features and unparalleled

benefits. 3-in-1 advantage with seamless integration of YES BANK Savings Account, Demat

Account and Investment Account^^

LENDING FACILITIES

YES TAG

YES PAY

Key features: Instant Funds transfer anywhere, anytime at No Cost Transfer funds to registered beneficiaries Fund transfer transactions are secure with a 6 digit pass code Check account balance, last 5 transactions, Fixed Deposit details, cheque status,

request for cheque book and stop cheque payment

Key features: Send, receive, request and settle transactions within group of friends Mobile/DTH Recharge and Utility Bill Payments Buy gifts, discounted vouchers, handset insurance, music downloads etc. E-commerce transactions and payments at retail outlets

YES Sambhav - Smart Overdraft Aimed at financing the entities particularly in their initial stages of business lifecycle

Trade Facility Used for setting up and operating the institutional mechanism for facilitating financing

of trade receivables of Start-Ups from corporate buyers through multiple financiers Facilitates the discounting of invoices and bills of exchange

Other Retail Loan Offerings Commercial Vehicle Loans Loan Against Property: including drop-line overdraft facility Loans Against Security: Financing short term working capital

requirements

Credit Decision at the sole discretion of the Bank

YES Suyog – Scorecard Designed to support entities needing advanced financial products including trade

limits for meeting their growth requirements

YES Shakti Designed to support Business owned/managed by Women Entrepreneurs

YES TAG is first of its kind smart social banking application that allows banking transactions seamlessly on Twitter, Facebook Messenger, WeChat, Telegram and Skype.

YES PAY is YES BANK’s Digital Wallet enabling Social Media & smart phone users to register seamlessly and then transact on the platform.

YES HeadSTART-UP – Other Key Offerings

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SAVINGS ACCOUNT

YES BANK offers Savings Accounts that have been designed specifically to take care of your banking and savings requirements

* Rates are subject to change at the sole discretion of YES BANK. Conditions apply.

Key benefits include Higher return of 6% p.a. on your Savings Account Balance FD/RD Fungibility Options Quarterly payout of Savings Account Interest Unlimited access to ATMs Net Banking facilities Loyalty Reward points through your Debit Card & Net Banking Money Monitor Debit cum ATM card Free Utility Bill Payment

YES HeadSTART-UP – Personal Product Offerings

YES BANK CREDIT CARDS – YES FIRST OFFERING

Best In Class Welcome benefits. Spend and renewal based annual Bonus Reward Points Upto 10 reward points per Rs 100 spent (1 Point = Rs 0.25) Preferential Interest rate @ 1.2% pm for YES FIRST customers;

Lowest foreign currency mark-up of 1.75% on all internationaltransactions Enabled with Contactless Technology Complimentary Airport Lounge Access through Mastercard

(Domestic airports) and Priority Pass (International airports)

GOLD LOANAvail hassle free loan against your gold Ornaments to fulfill your Personal, Professional or Business requirement

Key Features No Rejection Loans and No Guarantor required All CIBIL score acceptable Quick loan processing with minimum documentation. Highest offering of 75% loan on value of gold Flexible repayment options Upfront Interest / Monthly Interest /EMI

For more information, please contact

Our Clients

YES FOR YOU!

Corporate and Registered Office: Nehru Centre, 9th Floor, Discovery Of India, Worli, Mumbai 400 018, India. www.yesbank.in

For a complete list of Branches and ATMs, visit http://www.yesbank.in/branches

We are YES BANK.YES BANK is built on a foundation of trust, strengthened by knowledge, backed by cutting-edge technology, governed by transparency and committed to responsible banking. It is our continuous endeavor to provide

you with innovative financial solutions to meet all your banking needs, while offering you a consistent & superior service experience.

900 Branches Pan India | 1,710 ATMs | 17,000+ YES BANKers

YES TOUCH24 x 7 Banking Services

Log on to our websitewww.yesbank.in

Email us atyestouch@yesbank.in

SMS “Help” space <CUST ID>to +91 92233 90909

YES TOUCH PhoneBanking Number: 1800 2000 (Toll Free for Mobile & Landlines in India) +91 22 30993600

Check YES BANK offers at www.yesbank.in/offers

Strongest Bank in Indiaby Balance Sheet

The Asian Banker Awards Singapore - 2015

Bank of the Year India

The BankerLondon - 2015

Best Mid-Sized - Overall, Growth & Asset Quality

2015Business Today - KPMG

Best Banks Annual Survey

Innovation Award for API Banking and‘Bank In a Box’

India - 2016

India Domestic Cash Management Bank of the

YearIndia DomesticTrade Finance

Bank of the YearAsian Banking & Finance

Wholesale Banking Awards Singapore

Best Information SecurityInitiatives - Asia Pacific

Best Corporate/ InstitutionalDigital Bank - India