A.

Certificates of Authorisation issued by the Reserve Bank of India under the Payment and Settlement Systems Act, 2007 for Setting up and Operating Payment System in India The Payment and Settlement Systems Act, 2007 along with the Board for Regulation and Supervision of Payment and Settlement Systems Regulations, 2008 and the Payment and Settlement Systems Regulations, 2008 have come into effect from 12th August, 2008. The 'payment systems' operators authorised by the Reserve Bank of India to set up and operate in India under the Payment and Settlement Systems Act, 2007, as on May 28, 2012 are as under:

Sr. No.

Authorised Entity

Address of the Principal Office

Payment System Authorised

Date of issue of Authorisati on & Validity Period (given in brackets)

Central Counter Party 1. The Clearing The Managing i. Corporation of Director, Clearing India Ltd. Corp. of India, ii. 5th, 6th & 7th floor Trade World, "C" Wing Kamala city, SB Marg, Lower iii. Parel (West) Mumbai 400 013 Securities segment 11.02.2009 covering Govt Securities; Collateralised Borrowing and Lending obligations (CBLO); Forex Settlement Segment comprising of sub-segments a. USD-INR segment, b. CLS segment Continuous Linked Settlement (Settlement of Cross Currency Deals), c. Forex Forward segment; iv. Rupee Derivatives Segment-Rupee denominated trades in IRS & FRA; and v. ATM transactions settlement under National Financial Switch.

2.

3.

4.

5.

Cards Payment Networks American The Chief Executive Affiliation of credit cards / debit cards / Express Banking Officer, Corp., USA American Express prepaid cards issued Banking Corp., 200 Visey by banks and coStreet New York, 10285, branded credit cards issued by non-banking USA financial companies (NBFCs) or any other entity approved by the Reserve Bank of India. Affiliation of credit Diners Club The Chief Executive card issued by banks International Ltd., Officer USA Diners Club International or any other entity approved by the Ltd. Reserve Bank of 2500, Lake Cook Road India. River woods, Illinois (IL) 60015, U S A Master Card The Chief Executive Affiliation of credit cards / debit cards / International Officer, Incorporated, MasterCard International prepaid cards issued by banks and coUSA Incorporated, 2000, Purchase Street branded credit cards issued by non-banking Purchase financial companies NY 10577-2509, U S A. (NBFCs) or any other entity approved by the Reserve Bank of India. Visa Worldwide The President Affiliation of credit Pte Limited, Visa Worldwide Pte cards / debit cards / Limited, 30 Raffles Place, prepaid cards issued Singapore # 10-00 Chevron House by banks and cobranded credit cards Singapore -048622 issued by non-banking financial companies (NBFCs) or any other entity approved by the RBI. Cross border Money Transfer in-bound only Bahrain The Director Bahrain Financing Financing Company, BSC Company, BSC (c ), Bab AL Bahrain (C) Building, Bab AL Bahrain Avenue, Government Road, P.O Box 243 Manama, Bahrain

31.03.2009

30.06. 2010

31.03.2009

31.03.2009

6.

Money Transfer 30.09.2009 Service cross border in-bound service (customer to customer)

7.

Buyindiaonline. com Inc., USA

8.

The Chief Executive Officer, Buyindiaonline.com Inc., 100, Bush Street Suite 300, San Francisco California, 94104, USA. Coinstar Money The Chief Executive Transfer Officer, Coinstar Money (Ireland) Transfer (Ireland) Limited, Limited, Ireland Suite 404, 22/23, Pembroke Street Dublin 2, Republic of Ireland

Money Transfer 18.01.2010 Service cross border (Valid upto in - bound service 17.01.2013) (customer to customer only) 30.09.2009 (Valid upto 30.04.2011) Operations ceased w.e.f. May 01, 2011 till further notice Money Transfer 30.09.2009 Service cross border (Valid upto in-bound service 30.09.2013) (customer to customer) Money Transfer Service cross border in-bound service (customer to customer) Money Transfer Service cross border in-bound service (customer to customer) Money Transfer Service cross border in bound service (customer to customer) 25.05.2009 (Valid upto 24.05.2013)

9.

10.

11.

12.

13.

14.

Globle Foreign The President Exchange Inc., Globle Foreign Exchange Inc, 3660, Midland Canada Avanue, Suite 333, Toronto, ONT M1V 0B8, Canada MoneyGram The President & Chief Executive Officer, Payment Systems Inc, 1550 Utica Avenue South, USA. Minneapolis, Minnesota 55416, U.S.A. The President, Royal Royal Exchange (USA) Inc., Exchange (USA) Inc., Brunswick Plaza, Suite # 104, 2050, Route 27, USA North Brunswick, NJ 08902, U S A UAE Exchange The Managing Director & Centre LLC, CEO, UAE Exchange UAE Centre LLC, P.O No. 13304, Building of Nassar Bin Abdul Latiff Naf Street Deira, Dubai, U A E Group Managing Wall Street The Director, Wall Street Exchange Centre LLC, Exchange Centre LLC, UAE Central Office Building, AI Sabhkha, Naif Road P.O Box 3014, Deira, Dubai UAE Western Union The Chief Executive Oficer Western Union Financial Financial Services Inc, USA, Services Western Union Financial Incorporated, Services Incorporated, USA

30.09.2009 (Valid upto 31.12.2013)

Money Transfer 30.09.2009 Service cross border in bound service (customer to customer) Money Transfer 30.09.2009 Service cross border in-bound service (customer to customer)

Money Transfer 31.03.2009 Service cross border in-bound service (customer to customer)

12500, East Belford Avenue, MS M23B7, Englewood, Colorado 80112, U S A ATM Networks 15. National Payments Corporation India The Chief Executive Officer, of National Payments Corporation of India, C-9, 8th Floor, RBI Premises, Bandra Kurla Complex, Bandra East, Mumbai400 051. i. National Financial 15.10.2009 Switch (NFS) ii. Interbank Mobile Payment System (IMPS) iii. Issuance of Rupay Cards for use at ATMs and Micro ATM 'CASHTREE' network; and 'BANCS' network ATM 12.08.2009

16.

Bank of India

17.

Federal Ltd.

Bank

18.

Euronet Services India Private Limited

19.

Punjab National Bank

20.

State India

Bank

of

The Chairman & Managing Director Bank of India, Star House C-5 'G' Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051. Managing Director & CEO Federal Bank Ltd. Corporate Office Federal Towers Post Box No. 103 Aluva- 683101 Kerala. The Managing Director, Euronet Services India Private Limited, 2nd Floor, Marwah House, Krishanlal Marwah Marg, Andheri (E) Mumbai - 400 072. The Chairman & Managing Director, Punjab National Bank, 7, Bhikaiji Cama Place New Delhi 110049. The Chairman State Bank of India Corporate Centre, Madam Cama Road Mumbai 400 021.

ATM

ATM sharing with co- 30.09.2010 operative banks licensed by Reserve Bank under the BR Act, 1949 (AACS)

CASHNET network

ATM 25.05.2009

Bilateral ATM sharing arrangement with 05.04.2010 Everest Bank of Nepal

i. State Bank Group 12.08.2009 Payment ii. State Bank Group ATM network iii. Agency Clearing System for State Bank

21.

The Shamrao Vithal Cooperative Bank Ltd.

Group SVC Cache 24 Insta 30.06. 2010 The Chief Executive ATM sharing Officer Arrangement The Shamrao Vithal Co-operative Bank Ltd. SVC Tower, Jawaharlal Nehru Road Vakola Santacruz ( East), Mumbai 400055. Pre-paid Payment Instruments The Chief Executive Officer Airtel M Commerce Services Ltd. Airtel Center, Plot No. 16, 6th Floor, Udyog Vihar, Phase -4, Gurgaon Haryana 122001. The Chief Executive Officer Atom Technologies Limited, 4th Floor FT Towers, CTS 256 & 257, Suren Road, Chakala, Andheri (E), Mumbai- 400093. The Chairman & Managing Director, Beam Money Private Limited, D-128-129, 402 Terrace Floor, Okhla Industrial Area, Phase-I, New Delhi-110 020. The Director, Done Card Utility Limited, 301, Linkway Estate, Near Chincholi Fire Station, New Link Road, Malad (West), Mumbai 400064. The Managing Director & Chief Executive Officer, Edenred (India) Private Ltd; Camera House, Majiwade Village Road Majiwade, Thane (W) 400601 Pre-paid payment instruments known as Stored Value Card Wallet (SCW) 30.06. 2010 (Valid upto 30.06.2013)

22.

Airtel M Commerce Services Ltd.

23.

Atom Technologies Limited

Pre-paid payment 30.06. 2010 instruments (Valid upto 30.09.2012)

24.

Beam Money Private Limited nee Suvidha Starnet Pvt. Ltd.

Pre-paid payment 5.11.2009 instruments known (Valid upto 04.11.2012) as 'Beam Money

25.

Done Card Utility Limited

Pre-paid payment 29.10.2009 instruments known (Valid upto 31.10.2013) as 'Done Cards'

26.

Edenred (India) Private Limited nee Accor Services Pvt. Ltd.

Meal vouchers and 29.10.2009 gift vouchers in the (Valid upto form of 'paper 31.10.2013) vouchers'

27.

GI Technology The Director, GI Technology Private Private Limited Limited, C-9, Thiru-Vi-Ka Industrial Estate- Guindy Chennai 600032.

Pre-paid payment 29.10.2009 instruments known (Valid upto as 'I CASH CARD 31.10.2012) (ICC)'

28.

29.

30.

31.

32.

Card The Managing Director Itz Cash Card Ltd., Everest Square, Junction of Shraddhanand & Nehru Road, Vile Parle (E) Mumbai 400057. MMP Mobi The Chief Executive Officer Wallet Payment MMP Mobi Wallet Payment Systems Limited Systems Ltd. A, E& F Blocks Voltas Premises, T B Kadam Marg, Chinchpokli Mumbai 400 033. Muthoot Vehicle The Managing Director, & Asset Finance Muthoot Vehicle & Asset Finance Ltd. Ltd. 1st Floor, Cochin Dental Clinic Bldg. Market Road, Towards Kombara, Kochi 682 014. My Mobile The Chief Executive Officer, My Mobile Payments Payments Limited, 7th Floor, MET Limited Complex, Opp. Lilavati Hospital, Bandra East, Mumbai 400050. Alpha Payment The Chief Executive Officer, Services India Alpha Payment Services India Private Limited, Private Limited 1st & 2nd Floor, Tower A, SP nee Nokia Mobile Infocity, Plot No. 243, Udyog Vihar, Phase I Payment Services India Gurgaon 122016. Private Limited

Itz Cash Ltd.

Pre-paid payment 25.08.2009 (Valid upto instruments 24.08.2013)

Pre-paid payment 30.12.2011 instruments known (Valid upto 29.12.2013) as mRupee

Pre-paid payment 29.10.2009 (Valid upto instruments only 30.06.2012)

Pre-paid payment 24.10.2011 instruments known (Valid upto as Money-on- 23.10.2013) Mobile'

Pre-paid payment 19.09.2011 instruments known (Valid upto as Nokia Money 18.09.2013)

33.

OSS Payment Solutions Pvt. Ltd.

The Chief Executive Officer Pre-paid payment 30.06. 2010 instruments (Valid upto OSS Payment Solutions 29.06.2013) Pvt. Ltd. th 103, 4 Floor, Aditya Industrial Estate, Behind Chincholi Fire Station, Near Evershine Mall, New Link Road, Malad (West) Mumbai 400064. Pre-paid payment 18.01.2010

34.

Oxigen Services The Group President

(India) Pvt. Ltd.

35.

PayMate India Pvt. Limited

36.

Pay Point India Network Private Limited

Oxigen Services (India) Pvt. Ltd. 257, Udyog Vihar, Phase-1 Gurgaon 122 016 (Haryana) The Managing Director and CEO PayMate India Pvt. Limited, 111, 1st Floor, A- Wing, Sundervilla, SV Road, Santacruz (W), Mumbai 400054. The Chief Executive Officer, Pay Point India Network Private Limited 2nd floor, Sushil Building Kamala Nehru Compound, Cross Road No. 1 Kandivali (W) Mumbai 400 067

instruments known as "OxiCash Cards"

(Valid upto 30.06.2012)

Pre-paid payment 28.04. 2010 instruments known (Valid upto 26.04.2014) as Giftmate

Pre-paid payment 03.04.2012 instruments known ( Valid upto 02.04.2014) as " Pay Pointz "

37.

Smart Payment Solutions Pvt. Ltd.

38.

The Chief Executive Officer Smart Payment Solutions Pvt. Ltd. 6/35, WEA Karol Bagh, New Delhi 110005. Sodexo SVC The Chief Executive India Pvt. Ltd Officer, Sodexo SVC India Pvt. Ltd., Nesco Complex, Gate No. 3, Indabrator Building, Western Express Highway Goregaon (East) Mumbai 400063. UAE Exchange & The Country Head- India, Financial UAE Exchange & Financial Services Ltd. Services Ltd., Third Floor, Airline Building Opp. Maharaja college Ground, M G Road, Kochi 682011. Y-Cash Software The Chief Executive Officer, Solutions Private Y-Cash Software Solutions Limited Private Limited, 3rd Floor, Sai Arcade, 56, Marathahalli Outer Ring Road, Devarabeesanahalli, Bangalore 560103 ZipCash Card The Director, Services Pvt. ZipCash Card Services Pvt.

Pre-paid payment 30.06. 2010 instruments known (Valid upto as "PayCash" 30.06.2012)

Meal vouchers and 25.08.2009 gift vouchers in the form of 'paper based vouchers' and 'Smartcard' or 'Smart Meal Card'

39.

Pre-paid payment 29.10.2009 instruments known (Valid upto as 'Silver Card' and 31.10.2013) 'Gold Card'

40.

Pre-paid payment 15.03.2012 instruments known (Valid upto as Y-PayCash 14.03.2014)

41.

Pre-paid payment 29.10.2009 instruments known (Valid upto

Ltd.

Ltd., 25E/4 Model Town Bal Rajeshwar,Road Mulund (West) Mumbai 400 080.

as 'ZipCash 31.10.2013) Coupons'

B. Certificates of Authorisation Revoked by the Reserve Bank of India in exercise of the powers conferred under the Payment and Settlement Systems Act, 2007 Position as on May 28, 2012 Name of the Entity Address of the Principal Office Payment System operated
Dates of Revocation (Date of Authorisation given in brackets)

Sr. No.

1. Kaizen Automation The Director, Kaizen Automation Private Limited Private Limited, B-601-602, Citi Point, Andheri Kurla Road, J. B. Nagar, Near Kohi-noor Continental Andheri (East), Mumbai - 400 059

Issuance of pre-paid Revocation cards known as 'Go- order issued on 05.04.2011 Mumbai' (25.08.2009)