PSU BANKS BILLPAY & WIN CONTEST

BHARAT BILLPAY is the first of its kind bill payment ecosystem in India is here to change the way bills are

being paid. This unified ecosystem brings banks, non-banks and online payment platforms under one

roof as its official authorized units for bill collections.

MULTIPLE PAYMENT CHANNELS |MULTIPLE PAYMENT MODES

MAKE CONSUMER HAPPY WITH REWARDING THEM FOR BILL PAYMENT

Who wins

One who pays the bill-Consumer

Through where the Consumer pays the

bills-Bank

Key Qualification Criteria

Qualification-Consumer Qualification- Bank

Minimum 03 successful bill payment transactions in a month with unique mobile no. passing through BBPCU/NPCI for the five approved biller categories and the billers listed in Bharat BillPay

Minimum 5000 successful bill payment transactions in a month passing through BBPCU/NPCI for the five approved biller categories and the billers listed in Bharat BillPay

Key Winning Criteria

Winner- Consumer Winner-Bank

Maximum successful bill payment transactions in a three months/Contest period with unique mobile no. passing through BBPCU/NPCI for the five approved biller categories and the billers listed in Bharat BillPay with unique Mobile No.

Maximum successful bill payment transactions in a three months’/Contest period passing through BBPCU/NPCI for the five approved biller categories and the billers listed in Bharat BillPay. Own digital channels of Banks would only be taken into consideration.

1st August

19

31st October

19

TO

Contest Period

CONSUMERS WOULD GET A CHANCE TO WIN POST THE CONTEST PERIOD

PLATINUM AWARD 5 Consumers 5 Smartphones

GOLD AWARD 10 Consumers 10 Smartphones

SILVER AWARD 35 Consumers 35 Alexa Speakers

BRONZE AWARD 50 Consumers 50 MI Bands

4 CATEGORIES 100 CONSUMERS 100 Winners Note: Platinum to Bronze denotes maximum transaction reward Category to the minimum transaction

reward Category, but fulfilling minimum criteria. In case of a tie, consumer completing maximum bill

payments first during the duration will be rewarded.

BANKS WOULD ALSO GET A CHANCE TO WIN POST THE CONTEST PERIOD

GOLD AWARD BANK-1 GOLD BILLPAY & WIN TROPHY

SILVER AWARD BANK-2 SILVER BILLPAY & WIN TROPHY

BRONZE AWARD BANK-3 BRONZE BILLPAY & WIN TROPHY Note: Gold to Bronze denotes maximum transaction reward Category to the minimum transaction reward

Category, but fulfilling the minimum criteria. Monthly the Top Performing Banks would be highlighted and

their Position would be showcased

Campaign key mandates and process to be followed by the banks –

Respective Banks shall promote this incentive campaign across their customer base both

through digital and other medium and key channels as below:

a. SMS

b. Emailers

c. Web banners

d. Social Media Posts and ATM Channels

e. Bank Branches

Every communication should have “Powered by Bharat BillPay”

Creative would be provided by NPCI Team. In case of any change in creative, the Bank

must intimate NPCI-Bharat BillPay team before communication to consumers.

Weekly emailers should be done by the bank to promote this incentive campaign

Every SMS should have campaign communication – “pay your bills and win Smartphone*”

Bank should do campaign emailers every alternate week to its consumer base.

Bank can advertise on Paid media/other channels as applicable.

All Consumers must be communicated about Key terms and Conditions on the Bank's Website/App/other digital channels.

All rewards will be feliciated after 15 working days from the end of "BillPay and Win" Contest Duration.

Consumer and Bank need to meet minimum transaction qualification criteria, to be eligible for rewards.

Maximum of 100 Consumers will be declared as winners

1. Awareness

• The Bank need to make consumers aware about the easy bill payment service of all five categories and over 150+ Billers of Bill Payment via its Bharat BillPay nebaled channels like Internet Banking, Mobile Banking, BHIM app etc.

2. Interest

• Create Interest by making him feel r proud and valuable by telling him to Click a Selfie/Photo with the receipt of Successful bill payment and post it on Facebook or Twitter tagging @Bank & @BharatBillPay. This could be counted in qualification for final Winner, in case of a tie.

3. Desire• Create Communication revolving the "Reward" and desire to

win.The program to be highlighted in the form of Mailers, SMS, Web-Banners, Social Media Posts etc.

4. Action

• Motivate Consumer to do maximum bill payment transactions on Bank's Bharat BillPay enabled channels. Track the Contest performance on a monthly basis and send NPCI the Report for confirmation as per Annexure

ANNEXURE

SUBJECT: <MONTH> <BANK NAME> <BILL PAY &WIN CONTEST DETAILS>

Consumer Details

Bank-Name BBPOU ID Consumer Name Unique Mobile No. Total No. of Transactions

XYZ XY01 A 0123456789 25

B 9876543210 30

C

A+B+C

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Bharat BillPay “BILLPAY & WIN” Contest

“Now Paying Bills Could be rewarding!”

Terms and Conditions

1. BACKGROUND / OFFER DETAILS:

This is a promotional offer with an objective to create awareness at a national

level among Participants, about the convenience of utility Bill Payment through

Bharat BillPay.

This offer is not a part of any Brand. Through this promotional offer National

Payments Corporation of India (NPCI) is merely attempting to create awareness

of simple and safe utility bill payment through Bharat BillPay enabled channels

anytime anywhere. NPCI does not in any manner whatsoever promoting any

Brand and would not be in any manner be held responsible for any grievance

faced by Participant of any nature whatsoever. Clubbing of any offer(s) /

scheme(s), if any, will be at the sole discretion of NPCI.

Offer Period shall be for the period commencing from August 01st 2019 to

October 31st 2019. (both days inclusive)

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By accepting these terms and conditions the Participant (defined below) does not

in any manner become Participant of NPCI, nor would the Participant be entitled

to seek any reliefs under the Consumer Protection Act against NPCI in any

manner whatsoever.

2. DEFINITIONS:

Biller Categories shall inter alia include Electricity, Gas, DTH, Water and

Telecom (Mobile Postpaid, Landline Postpaid, Broadband), including and not

restricting such additional categories as would be included by NPCI as per its

sole and absolute discretion.

Participant shall mean and include Indian citizen (excluding Legal entities such

as Body corporates, LLP, retail shops, business correspondents, bank-branches,

biller/merchant collection centres or website etc.) who pays his/her utility bills in

the Biller Categories.

OFFUS transaction is considered when Participant makes the utility bill payment

from Bharat BillPay enabled Channels of the banking entities

ONLINE/DIGITAL CHANNELS shall inter alia, include the common BHIM UPI

app, Net Banking, Mobile Banking, Mobile App/Wallet and Website/Pre-login of

Banks.

3. OFFER TERMS:

The Offer is valid for only the above mentioned Biller Categories

The Participant in order to be eligible/be entitled to win Smartphone, Alexa

Speakers and MI Bands need to carry out the following

a. Participant would have to pay bills via Bank’s channel enabled Bharat

with BillPay feature.

b. The Participant would have to pay bills only via the Bank communicating

the Contest details via any medium.

c. Participant would be required to carry out minimum three (03) successful

OFFUS bill payment transactions in a month through single registered

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mobile/unique mobile no. during the Offer Period from the Biller

Categories through online/digital channels only. The participant who does

maximum no. of bill payment transactions in three months’/ Offer period

wins a chance of Speakers, Alexa and MI bands

d. 100 Participants doing maximum transactions would get a chance to win

post the Offer period/three months with at least 3 transactions every

month i.e. 9 transactions during the Offer period.

e. Participants have a choice to select the common BHIM app for the Bank

sending the promotion or select the Banks app/website/net-banking/ other

digital channels and proceed for Bill Payment via Bharat BillPay for the

five biller categories.

Maximum 15 Smartphones, 35 Alexa Speakers and 50 MI Bands will be

distributed during the Offer Period.

The reward Categories have been divided into four categories for ease of

convenience and from ranking perspective.

PLATINUM AWARD 5 Participants 5 Smartphones

GOLD AWARD 10 Participants 10 Smartphones

SILVER AWARD 35 Participants 35 Alexa Speakers

BRONZE AWARD 50 Consumers 50 MI Bands

4 CATEGORIES 100 CONSUMERS 100 Winners

Note:

Platinum to Bronze denotes maximum transaction reward Category to the minimum

transaction reward Category, but fulfilling minimum criteria of 3 bill payments per month.

In case of a tie, consumer completing maximum bill payments first during the

duration/offer period will be rewarded.

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At the end of the Offer period, the Bank and Bharat BillPay team will verify the

eligible Participant details (before declaring winners / eligible for Prize and will

declare 100 winners eligible for Smartphones, Alexa Speakers and MI Bands.

Each of such eligible winner/contestant/participant will be eligible for only one

(01) of the above prizes/rewards during the entire contest term/period.

Winner(s) would be required to provide their full particulars, including their full

PAN Card/Address Proof for the purpose of verification & audit and to enable

NPCI or Bank to dispatch the relevant reward to such Winner(s).

4. NPCI Employees and their immediate family members (including spouses, children,

parents, brothers and sisters) are not eligible to participate in the Contest. Bank

employees are also not eligible to participate in the Contest.

5. Participation in the “BillPay and Win” Contest is subject to the Contests Terms and

Conditions as set out herein and which are also available at the Banks

website/app/Bharat BillPay enabled digital channels. (collectively T&Cs). Entry into this

Contest is deemed acceptance of these T&Cs and any amendments, additions,

replacements, variations and modifications hereto, which shall be final and binding in all

respects on each Participant. Amendments to the T&Cs will be posted from time to time,

during the Offer Period. By entering the Contest participants agree to be bound by and

to comply with the T&Cs. Non-compliance with or breach of any of these T&Cs may

disqualify a Participant at any stage of the Contest and any prize(s) won may be

forfeited, withheld, withdrawn or reclaimed.

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6. Prizes are not transferable or exchangeable and non-cash prizes cannot be exchanged

for cash. NPCI accepts no responsibility for any tax or other liability that may arise from

the prize winnings.

7. Participants shall not, without the prior written approval of NPCI speak to the press or

any other media nor give any interviews or comments relating to the Contest / winning

thereafter.

8. This Offer and its terms and conditions shall be governed exclusively by the laws of India

and jurisdiction shall be vested exclusively in the courts at Mumbai in India.