3. The Bank reserves the right to reject a Customer's application for Canara Bank Candigital Mobile Application without assigning any reasons.

4. The Bank shall suspend the registration of any Customer if the facility has not been accessed by the Customer for three months or more. If the facility has not been accessed for six months or more, the registration of the Customer will be cancelled.

5. The Customer can request for termination of the Facility by visiting branch/Online Request. The Customer shall remain accountable for all the transactions on the designated account made prior to confirmation of any such cancellation request. It shall be the Bank's endeavor to give a reasonable notice for withdrawal or termination of the facility, but the Bank may at its discretion withdraw temporarily or terminate the facility, either wholly or partially, anytime without giving prior notice to the customer. The facility may be suspended due to maintenance or repair work or any breakdown in the Hardware/ Software for MBF, any emergency or for security reasons without prior notice and the Bank shall not be responsible for any loss/damage to the customer.

6. The services offered under the Facility will be automatically terminated if the primary account linked for the Internet Banking facility is closed. The Bank may also terminate or suspend the services under the Facility without prior notice if the customer has violated the terms and conditions lay down by the Bank or on the death of the Customer when brought to the notice of the Bank.

Usage of Facility

By accepting the terms and conditions while registering for the Canara Candigital Mobile facility, the customer:

1. Can login from Candigital Mobile Application after entering passcode, Login password and Transaction Password.

2. Agrees to use “Canara Bank Candigital Mobile Application” for financial and non-financial transactions offered by the Canara Bank from time to time and irrevocably authorizes the Bank to debit the Bank Accounts which have been enabled for all transactions/services undertaken using Login Pin, Transaction Password and User ID.

3. Authorizes the Bank to map the account number and Mobile phone number for the smooth operation of the facility offered by Bank and to preserve the mapping record in its own server or server of any other third party and to use such data at its discretion for providing/enhancing further Banking/ technology products that it may offer.

4. Agrees that he/ she/ they are aware and accepts that facility offered by the Bank will enable him/her/them to transact after login using user ID, Passcode, Login Password and Transaction Password within the limit prescribed by the Bank and will be deemed as bonafide transaction.

5. Agrees that the transactions originated using the Mobile phones are Non-retractable as these are instantaneous/real time.

6. Understands and explicitly agrees that Bank has the absolute and unfettered right to revise the prescribed ceilings from time to time which will be binding upon him/her.

7. Agrees to use the facility on a Mobile phone properly and validly registered in his/her/their name only with the Mobile Service Provider and undertakes to use the facility only through Mobile number which has been used to register for the Facility.

8. Agrees that while the Information Technology Act, 2000 prescribes that a subscriber may authenticate an electronic record by affixing his digital signature which has been given legal recognition under the Act, the Bank is authenticating the customer by using Mobile Number, TransactionPassword or any other method decided at the discretion of the Bank which may not be recognized under the IT Act, 2000 for authentication of electronic records and this is

acceptable and binding to the customer and hence the customer is solely responsible for maintenance of the secrecy and confidentiality of the Transaction password without any liability to the Bank.

9. The Customer shall be required to acquaint himself/herself/themselves with the process for using the facility and that he/she/they shall be responsible for any error made while using

the facility.

10. The Bank reserves the right to decide what facilities may be offered. Additions/deletions of the facilities offered are at its sole discretion.

11. The instructions of the Customer shall be effected only after successful login using his/her/their USER ID, Passcode, Login Password and Transaction password or through any other mode of verification as may be stipulated at the discretion of the Bank.

12. While it shall be the endeavor of the Bank to carry out the instructions received from the Customers promptly, it shall not be responsible for the delay/failure in carrying out the instructions due to any whatsoever the reason including failure of operational system or due to any requirement of law. The Customer expressly authorizes the Bank to access his/her account Information required for offering the services under the facility and also to share the information regarding his/her accounts with the service provider/ third party as may be required to provide the services under the Facility.

13. The transactional details will be recorded by the Bank and these records will be regarded as conclusive proof of the authenticity and accuracy of transactions.

14. The Customer hereby authorizes the Bank or its agents to send promotional messages including the products of the Bank, greetings or any other messages the Bank may consider from time to time.

15. The Customer understands that the Bank may send rejection or “cannot process the request” messages for the service request(s) sent by the Customer which could not be executed for whatsoever reason.

16. The Bank shall make all reasonable efforts to ensure that the customer information is kept confidential but shall not be responsible for any inadvertent divulgence or leakage of confidential Customer information for reasons beyond its control or by action of any third party.

17. The Customer expressly authorizes the Bank to carry out all requests/ transactions purporting to have been received from his/her Mobile phone and authenticated with his/ her/their user ID, Passcode and Login Password used for login into the application. In the case of funds transfer facilities the customer shall be deemed to have expressly authorized the Bank to make the payment when a request is received from his/her/their Mobile phone.

18. It is the responsibility of the Customer to advise the Bank of any loss/ theft of Mobile phone by adopting the procedure laid down by the Bank for the purpose.

19. It is the responsibility of the customer to disclose his non residency status to the branch in case there is change in residency status (not in India) of the customer.

20. The Telecom Service provider of the customer may levy charges for SMS/ /GPRS/channels and the Bank is not liable for any dispute that may arise between such telecom service provider and the customer.

21. The customer is solely responsible for keeping his/her/their Passcode, Login password and Transaction password confidential.

22. The customer is solely responsible for inadvertent divulgence of his/her/their Passcode, Login Password and Transaction password of Canara Bank Candigital Mobile application to any third party and resulting in any misuse.

23. Bank does not ask any personal information like debit card no. Login Password, nor Transaction Password from its customers. Customers are to be aware of this and should not part with sensitive information to anybody over phone or mail or through any other channel.

24. The customer who are resident of India collecting and effecting/remitting payments directly / indirectly outside India in any forms towards overseas foreign exchange trading through electronic/internet trading portals would make himself/herself/themselves liable to be proceeded against with for contravention of Foreign Exchange Management act (FEMA), 1999 besides being liable for violation of regulations relating to Know Your customers (KYC) norms/Anti-Money Laundering (AML) standards.

Others

1. The Customer shall be required to acquaint himself/herself/themselves with the process for using the facility and that he/she/they shall be responsible for any error made while using

the facility.

2. The Bank reserves the right to decide what facilities may be offered. Additions/ deletions to the facilities offered are at its sole discretion.

3. The instructions of the Customer shall be effected only after authentication under his/her/their User Id, Passcode, Login Password and Transaction Password or through any other mode of verification as may be stipulated at the discretion of the Bank.

4. While it shall be the endeavor of the Bank to carry out the instructions received from the Customers promptly, it shall not be responsible for the delay/ failure in carrying out the instructions due to any reasons whatsoever including failure of operational system or due to any requirement of law. The Customer expressly authorizes the Bank to access his/her account Information required for offering the services under the facility and also to share the information regarding his/ her/their accounts with the service provider/ third party as may be required to provide the services under the Facility.

5. The transactional details will be recorded by the Bank and these records will be regarded as conclusive proof of the authenticity and accuracy of transactions.

6. The Customer hereby authorizes the Bank or its agents to send promotional messages including the products of the Bank, greetings or any other messages the Bank may consider from time to time.

7. The Customer understands that the Bank may send rejection or cannot process the request messages for the service request(s) sent by the Customer which could not be executed for whatsoever reason.

8. The Bank shall make all reasonable efforts to ensure that the customer information is kept confidential but shall not be responsible for any inadvertent divulgence or leakage of confidential Customer information for reasons beyond its control or by action of any third party.

9. The Customer expressly authorizes the Bank to carry out all requests/ transactions purporting to have been received from his/ her/their Mobile phone and authenticated with his/ her/their Transaction PIN. In the case of funds transfer facilities the customer shall be deemed to have expressly authorized the Bank to make the payment when a request is received from his/ her Mobile phone.

10. It is the responsibility of the Customer to advise the Bank of any loss/ theft of Mobile phone by adopting the procedure laid down by the Bank for the purpose.

11. It is the responsibility of the customer to disclose his non residency status to the branch in case there is change in residency status (not in India) of the customer.

12. The Telecom Service provider of the customer may levy charges for SMS/USSD/GPRS/WAP channels and the Bank is not liable for any dispute that may arise between such telecom service provider and the customer.

Fee structure for the Facility

Bank shall have the discretion to charge such fees as it may deem fit from time to time and may at its sole discretion, revise the fees for use of any or all of the Facility, by notifying the Customer of such revision.

Display of such charges on Bank’s websites would serve as sufficient notice and the same is binding on the customer.

The Customer shall be liable for payment of charges which may be levied by any cellular service provider in connection with availing of the Facility and Bank is not responsible for the same.

The charges payable by the Customer is exclusive of the amount payable to any cellular service provider and would be debited from the account of the Customer.

Accuracy of Information

1. It is the responsibility of the Customer to provide correct information to the Bank through the use of the Facility or any other method. In case of any discrepancy in this information, the Customer understands that the Bank will not be in any way responsible for action taken based on the information. The Bank will endeavour to correct the error promptly wherever possible on a best effort basis, if the customer reports such error in information.

2. The Customer understands that the Bank will try, to the best of its ability and effort, to provide accurate information and shall not hold the Bank responsible for any errors or omissions that may occur due to reasons beyond the control of the Bank.

3. The Customer accepts that the Bank shall not be responsible for any errors which may occur in spite of the steps taken by the Bank to ensure the accuracy of the information and shall not have any claim against the Bank in an event of any loss/ damage suffered as a consequence of an inaccurate information provided by the Bank.

Responsibilities and obligations of the customer

1. The customer will be responsible for all transactions, including fraudulent/erroneous transactions made through the use of his/her/their Mobile phone, Access Code, Passcode, Login Password, Transaction Password regardless of whether such transactions are in fact entered into or authorized by him/ her/them. The customer will be responsible for the loss/damage, if

any suffered.

2. The Customer shall take all steps possible to ensure that his/her/their Mobile phone is not shared with anyone and shall take immediate action to de-register from Canara Bank Candigital Mobile Application as per procedure laid down in case of misuse/ theft/loss of the Mobile phone or SIM card.

3. The Customer will use offered facility using the Access Code and Passcode in accordance with the procedure as laid down by the Bank from time to time.

4. The Customer shall keep the Access Code, Passcode, USERID, Login Password and Transaction Password confidential and will not disclose these to any other person or will not record the min a way that would compromise the security of the facility.

5. It will be the responsibility of the Customer to notify the Bank immediately if he/ she/they suspect the misuse of the Transaction Password. He will also immediately initiate the necessary steps to change their Transaction Password.

6. If the Mobile phone or SIM is lost, the user must immediately take action to de-register from the facility.

7. The Customer accepts that any valid transaction originating from the USER ID and Login Password / or registered Mobile phone number shall be assumed to have been initiated by the Customer and any transaction authorized by the Transaction Password is duly and legally authorized by the Customer.

8. The Customer shall keep himself/herself updated with regard to any information/ modification relating to the services offered under the facility which would be publicized on the websites and at the branches and would be responsible for the same.

9. The Customer shall be liable for all loss on breach of the Terms and Conditions contained herein or contributed or caused the loss by negligent actions or a failure to advise the Bank within a reasonable time about any unauthorized access in the account.

10. The Customer shall be liable and responsible for all legal compliance and adherence of all commercial terms and conditions in respect of the Mobile connection/SIM card/Mobile phone through which the facility is availed and the Bank does not accept/ acknowledge any responsibility in this regard.

Disclaimer

The Bank, when acting in good faith, shall be absolved of any liability in case:

1. The Bank is unable to receive or execute any of the requests from the Customer or there is loss of information during processing or transmission or any unauthorized access by any other person or breach of confidentiality or due to reasons beyond the control of the Bank.

2. There is any kind of loss, direct or indirect, incurred by the Customer or any other person due to any failure or lapse in the facility which are beyond the control of the Bank.

3. There is any failure or delay in transmitting of information or there is any error or inaccuracy of information or any other consequence arising from any cause beyond the control of the Bank which may include technology failure, mechanical breakdown, power disruption, etc.

4. There is any lapse or failure on the part of the service providers or any third party affecting the said facility and that the Bank makes no warranty as to the quality of the service provided by any such provider. The Bank, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited