AUDITORS’ CERTIFICATE ON CORPORATE GOVERNANCE :

This certificate issued by Chartered Accountant, is to be furnished along with the Annual Report of the Bank. The certificate indicates the examination by the chartered accountant regarding compliance of conditions of Corporate Governance by the Bank for the financial year ending. This certificate is based on the clause 49 of the listing agreement of the bank with Stock Exchanges in India. The compliance of the conditions of Corporate Governance is the responsibility of the Management. The auditor’s examination is being carried out in accordance with the Guidance Note on Certification of  Corporate Governance, issued by the Institute of Chartered Accountants of India. It is regarding the compliance of corporate governance procedures and implementation thereof, adopted by the bank.