y) SEBI interim observation letters dated October 23, 2020, November 10, 2020, November 20, 2020 and SEBI
final observation letter dated December 23, 2020.

Z) Agreement dated September 16, 2016 amongst our Bank, NSDL and the Registrar to the Issue.
aa) Agreement dated August 26, 2016 amongst our Bank, CDSL and the Registrar to the Issue.

Any of the contracts or documents mentioned in Prospectus may be amended or modified at any time if so required in the interest
of our Bank or if required by the other parties, without notice to the shareholders subject to compliance of the provisions
contained in the Companies Act and other relevant laws.

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