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 HDFC BANK 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 HDFC BANK or its affiliates, as the case may be, and applicable Indian laws. All Indian Rupee (INR) Deposits, Balances in Non Resident Savings Accounts (NRE/NRO) and FCNR Deposits with HDFC BANK, 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 HDFC BANK 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 HDFC BANK. Deposits are not insured by any 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 HDFC BANK." Online remittances made through "Quickremit" are governed by 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 HDFC BANK. Any reference to the remittance delivery schedule or other service levels are only indicative and should not be construed to refer to any commitment by HDFC BANK 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. Local regulations for/on Investments Products & Services may apply. HDFC BANK maintains its head office in Mumbai, India.