All Rupee Deposits, Easy Rupee Accounts, and FCNR deposits made at any branch of ICICI Bank Limited, are subject to Reserve Bank of India ("RBI") rules and other applicable Indian laws and regulations. All deposits are payable only at the branch of ICICI Bank Limited where the deposit is made. Repayment of deposits will be subject to any act beyond the control of the bank including any act of the state, political disputes, civil commotion, war, expropriation or unrest or any other cause beyond reasonable control of the paying branch of ICICI Bank Limited. Deposits are not insured by the FDIC or CDIC or any other insurance corporation outside India. The products described above are not protected against sovereign risk including risks arising from any changes in the laws in India. For Non U.S. dollar deposits and Investments, the U.S. dollar equivalent of your principal and interest can increase or decrease, depending on foreign exchange fluctuations and the timing of your decision to convert between currencies. Account maintenance and transaction fees for any of the accounts / deposits can change from time to time based on the sole discretion of ICICI Bank Limited." Online remittances made through "Money 2 India" are governed by the RBI and Indian banking regulations and not by U.S. regulatory agencies. Charges for remittance services are subject to change from time to time at the sole discretion of the ICICI Bank Limited. Any reference to the time of delivery or other service levels are only indicative and should not be construed to refer to any commitment by ICICI Bank Limited or any other service provider. The service levels are subject to variations depending on several factors, including without limitation, the clearing house network, the other service provider etc. Mortgage loans are available only to purchase residential properties located in India. Mortgage loans are not available to finance the purchase of residential properties located in the United States. Terms of mortgage loans are governed by applicable Indian laws and are not subject to U.S. laws or regulations. Approval of a particular mortgage loan is subject to due diligence and credit review and is at the sole discretion of ICICI Bank Limited and its applicable credit policies as well as applicable Indian regulations. ICICI Bank Limited maintains its head office in Mumbai, India. The information provided herein is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject ICICI Bank Limited or its affiliates to any licensing or registration requirements." *Interest rates cited as examples of rates which may be in effect from time to time are indicative rates only and are subject to change at any time at the sole discretion of ICICI Bank Limited or its affiliates, as the case may be, and applicable Indian laws.