Terms and Conditions

Current Internet Banking and India Banking Terms and Conditions

• applicable w.e.f. july 31, 2023 Internet Banking and India Banking TNC ver 2. 7
• applicable w.e.f. Feb 23, 2024 Mobile App TNC
• applicable w.e.f Mar 7, 2025 Trade Online Application Form and TNC

Historic Internet Banking Terms and Conditions

• applicable w.e.f. July 31, 2023 Mobile App TNC
• applicable w.e.f. November 30, 2018 Internet Banking and India Banking TNC ver 2. 6
• applicable w.e.f. from January 15, 2017 Mobile App TNC
• applicable w.e.f. December 22, 2016 Internet Banking and India Banking TNC ver 2.5
• applicable w.e.f. from December 22, 2016 Mobile App TNC
• applicable w.e.f. December 22, 2015 ver 2.4
• applicable w.e.f. November 1, 2014 ver 2.3
• applicable w.e.f. July 1, 2013 ver 2.2
• applicable w.e.f March 1, 2012 ver 2.1
• applicable w.e.f 01st January 2012 ver 2.0
• applicable w.e.f 01st February 2010 ver 1.6
• applicable w.e.f 01st November 2009 ver 1.5
• applicable w.e.f 01st August 2009 ver 1.4
• applicable w.e.f 01st April 2008
• prior 01st April 2008

India Banking Service

• India Banking Service Terms and Conditions ver 1.1
• India Banking Service Terms and Conditions ver 1.0

Mobile Banking Service

• Mobile Banking Service Terms and Conditions ver 1.0

Current Terms and Conditions

• Applicable from December 1st, 2025
• Annual Summary of changes from July 31, 2023

Historic Terms and Conditions

• Applicable from November 27th, 2025
• Applicable from November 1, 2023
• Applicable from August 15, 2023
• Applicable from July 31, 2023
• Applicable from December 01, 2022
• Applicable from May 01, 2022
• Applicable from January 01, 2021
• Applicable from September 17, 2020
• Applicable from September 9, 2020
• Applicable from June 20, 2018 v2.10
• Applicable from January 11, 2018 v2.9
• Applicable from March 03, 2017 v2.8
• Applicable from November 23, 2016 v2.7
• Applicable from October 7, 2016 ver 2.6
• applicable w.e.f. December 22, 2015 ver 2.5
• applicable from November 1, 2014 ver 2.4
• applicable from August 1, 2013 ver 2.3
• applicable from July 12, 2012 ver 2.2
• applicable from March 1, 2012 ver 2.1
• applicable from January 1, 2012 ver 2.0
• applicable from August 15, 2011 ver 1.14
• applicable from February 4, 2011 ver 1.13
• applicable from December 31, 2010 ver 1.12
• applicable from October 14, 2010 ver 1.11
• applicable from February 1, 2010 ver 1.10
• applicable from January 1, 2010 ver 1.9
• applicable from November 1, 2009 ver 1.8
• applicable from w.e.f August, 2009 ver 1.7
• applicable April 1 to October 1, 2008 ver 1.4
• prior February 1 to April 1, 2008 ver 1.3
• prior February 1, 2008 ver 1.2

Debit Card Terms and Conditions

• Debit Card Terms and Conditions applicable from July 20, 2023
• 3d Secure Terms and Conditions applicable from December 2016

Historic Terms and Conditions

• applicable from January 19, 2017
• applicable from December 1, 2011 ver 2.0
• applicable from May 1, 2010 ver 1.5

Google Pay Terms and Conditions

• Terms and conditions for using your Debit Card with Google Pay

Child Account Terms and Conditions

• Terms and conditions for Child Account

Private Banking – Terms of Business

Current Terms and Conditions

• Fixed Deposit (Withdrawable) Terms and Conditions ver 2.4 July 31, 2023
• Annual Summary of changes from July 31, 2023

Historic Terms and Conditions

• Fixed Deposit (Withdrawable) Terms and Conditions ver 2.3 March 03, 2017
• Fixed Deposit (Withdrawable)Terms and Conditions ver 2.2 January 31, 2017
• Fixed Deposit (Withdrawable) Terms and Conditions ver 2.1 December 22, 2015
• Fixed Deposit (Withdrawable) Terms and Conditions ver 2.0 September 2012
• SuperSaver Terms Deposit Terms and Conditions ver 2.1 July 2013

Current Terms and Conditions

• Notice Savings Account TNC from July 31, 2023

Historic Terms and Conditions

• Notice Savings Account
• Notice Savings Account From 20th November 2019 onwards.

Current Terms and Conditions

• Applicable from July 31, 2023adobe_pdf_icon1.png" border="0">

Historic Terms and Conditions

• Applicable from September 9, 2020adobe_pdf_icon1.png" border="0">
• Text Alerts Service Terms and Conditions ver 1.0adobe_pdf_icon1.png" border="0">

Current Terms and Conditions

• applicable from December 1, 2025

Historic Terms and Conditions

• applicable from October 11, 2021
• applicable from February 08, 2019 ver 1.5
• applicable from March 15, 2017 ver 1.4
• applicable from December 22, 2015 ver 1.3
• applicable from January 1, 2012 ver 1.2
• applicable from December 31, 2010 ver 1.1
• applicable from November 01, 2009 ver 1.0

Current Terms and Conditions

• Applicable from 1st Feb 2027
• Applicable from 1st Dec 2025
• Annual Summary of changes from July 31, 2023

Other Linked Products Current Terms and Conditions

• FX transfers on Corporate Internet banking applicable from August 7, 2017
• Applicable w.e.f from December 22, 2016 Business Savings Account TnC ver 1.1

Historic Terms and Conditions

• Applicable from 1st December 2025
• Applicable from 31st January 2025
• Applicable from 15th July 2024
• Applicable from 25th April 2024
• Applicable from July 31, 2023
• Applicable from May 18,2023 
• Applicable from February 01,2023 
• Applicable from August 10, 2022
• Applicable from July 04, 2022
• Applicable from November 02, 2020
• Applicable from January 15, 2018 v1.9
• Online Forex Payment Services applicable from May 3, 2017
• Applicable from March 03, 2017 v1.8
• Online Forex Payment Services applicable from May 14, 2015
• Applicable from November 23, 2016 v1.7
• applicable w.e.f prior to December 22, 2016 Business Savings Account TnC ver 1.0
• applicable from October 27, 2016 ver 1.6
• applicable from December 22, 2015 ver 1.5
• applicable from November 1, 2014 ver 1.4
• applicable from July 1, 2013 ver 1.3
• applicable from January 1, 2012 ver 1.2
• applicable from December 31, 2010 ver 1.1
• applicable from November 01, 2009 ver 1.0

Current Terms and Conditions

• ver 1.23 applicable w.e.f. July 31, 2023 (pdf)
• Annual Summary of changes from July 31, 2023

Historic Terms and Conditions

• ver 1.22 applicable w.e.f. November 30, 2018 (pdf)
• ver 1.21 applicable w.e.f. March 03, 2017
• ver 1.20 applicable w.e.f. January 31, 2017
• ver 1.19 applicable w.e.f. December 22, 2015
• ver 1.18 applicable w.e.f. April 3, 2014 (pdf)
• ver 1.17 applicable w.e.f. July 1, 2013 (pdf)
• ver 1.16 applicable w.e.f. April 25, 2013 (pdf)
• ver 1.15 applicable w.e.f. October 1, 2012 (pdf)
• ver 1.14 applicable w.e.f. August 22, 2012 (pdf)
• ver 1.13 applicable w.e.f. June 20, 2012 (pdf)
• ver 1.12 applicable w.e.f. January 1, 2012 (pdf)
• ver 1.11 applicable w.e.f February 11, 2011 (pdf)
• ver 1.10 applicable w.e.f December 31, 2010 (pdf)
• ver 1.9 applicable w.e.f June 21, 2010 (pdf)
• ver 1.8 applicable w.e.f April 01, 2010 (pdf)
• ver 1.7 applicable w.e.f November 01, 2009 (pdf)
• ver 1.6 applicable w.e.f July 15, 2009 (pdf)
• ver 1.5 prior July 15, 2009 (pdf)
• ver 1.4 prior June 11, 2009 (pdf)
• ver 1.3 prior April 20, 2009 (pdf)
• ver 1.2 prior January 29, 2009 (pdf)
• ver 1.1 prior December 24, 2008 (pdf)

Current Terms and Conditions

• ver 1.23 applicable w.e.f. December 1, 2025 (pdf)
• Annual Summary of changes from July 31, 2023 (pdf)

Historic Terms and Conditions

• ver 1.23 applicable w.e.f. August 15, 2023 (pdf)
• ver 1.23 applicable w.e.f. July 31, 2023 (pdf)
• ver 1.22 applicable w.e.f. 5 January, 2023 (pdf)
• ver 1.21 applicable w.e.f. 5 July, 2020 (pdf)
• Annual Summary of changes – 5 July, 2020 (PDF)
• ver 1.20 applicable for all new accounts w.e.f. 14th February , 2020 (pdf)
• ver 1.19 applicable w.e.f. November 30, 2018 (pdf)
• ver 1.18 applicable w.e.f. March 03, 2017 (pdf)
• ver 1.17 applicable w.e.f. December 06, 2016 (pdf)
• ver 1.16 applicable w.e.f. December 22, 2015 (pdf)
• ver 1.15 applicable w.e.f. July 1, 2013 (pdf)
• ver 1.14 applicable w.e.f. April 25, 2013 (pdf)
• ver 1.13 applicable w.e.f. October 1, 2012 (pdf)
• ver 1.12 applicable w.e.f. August 22, 2012 (pdf)
• ver 1.11 applicable w.e.f. January 1, 2012 (pdf)
• ver 1.10 applicable w.e.f February 11, 2011 (pdf)
• ver 1.9 applicable w.e.f December 31, 2010 (pdf)
• ver 1.8 applicable w.e.f August 21, 2010 (pdf)
• ver 1.7 applicable w.e.f November 01, 2009 (pdf)
• ver 1.6 applicable w.e.f July 15, 2009 (pdf)
• ver 1.5 prior July 15, 2009 (pdf)
• ver 1.4 prior July 7, 2009 (pdf)
• ver 1.3 prior April 20, 2009 (pdf)
• ver 1.2 prior January 29, 2009 (pdf)
• ver 1.1 prior October 18, 2007 (pdf)
• HiSAVE Savings Promotional Offer Terms and Conditions (pdf)
• HiSAVE Savings Promotional Offer Terms and Conditions Ver. 2 (pdf)

Current Terms and Conditions

This Product is no longer available to new customers.

• ver 1.22 applicable w.e.f. December 1, 2025 (pdf)

Historic Terms and Conditions

• ver 1.22 applicable w.e.f. 5 January, 2023 (pdf)
• ver 1.21 applicable w.e.f. 5 July, 2020 (pdf)
• General Terms & Conditions ver 1.1 applicable w.e.f November 30, 2018 (pdf)
• HiSAVE Bonus Saver – Series Two
• General Terms and Conditions

Current Terms and Conditions

• Special Promo for M2I UK registered users from Aug 27 to Aug 30, 2026
• Special Promo for Personal Current Account Customers from Aug 27 to Aug 30, 2026
• Special Promo for M2I UK New Customers from Jul 01 to Sep 30, 2026
• Common Money Transfers applicable from November 15, 2019
• Refer-a-friend program for UK Current Account (HVCA)

Historic Terms and Conditions

• Special Promo for M2I UK registered users from Aug 15 to Aug 17, 2026
• Special Promo for Personal Current Account Customers from Aug 15 to Aug 17, 2026
• Special Promo for M2I UK registered users from Aug 18 to Aug 25, 2026
• Special Promo for Personal Current Account Customers from Aug 18 to Aug 25, 2026
• Special Promo for M2I UK registered users from Apr 15 to May 15, 2026
• Special Promo for Personal Current Account Customers from Apr 15 to May 15, 2026
• Special Promo for M2I UK New Customers from Aug 02 to July 06, 2026
• Special Promo for M2I UK registered users from Feb 10, 2026 to Mar 31, 2026
• Special Promo for M2I UK registered users from Nov 26 to Mar 31, 2026
• Special Promo for M2I UK registered users from Mar 19 to Mar 31, 2026
• Special Promo for M2I UK registered users from Feb 27, 2026 to Mar 4, 2026
• Special Promo for M2I UK registered users from Jan 26, 2026 to Jan 31, 2026
• Special Promo for M2I UK registered users from Dec 21, 2025 to Jan 2, 2026
• Special Promo for M2I UK New Customers from Aug 02 to Dec 31, 2025
• Special Promo for M2I UK registered users from Nov 25 to Nov 30, 2025
• Special Promo for M2I UK registered users from Aug 02 to Oct 31, 2025
• Google Pay £5 Reward Offer from 29 Oct 2024 to 10 Jan 2025
• Special Promo for M2I UK New Customers from Oct 1 – Dec 31, 2024
• Exclusive rate of 15 paise on Money Transfers to India from Oct 25 to Dec 31, 2024
• Special Promo for M2I UK registered users from Oct 20 - Nov 10, 2024
• Extra 30 paisa benefit on money transfers to India from Oct 20 - Nov 10, 2024
• Special Promo for M2I UK registered users from Oct 3 - Oct 12, 2024
• Extra 30 paisa benefit on money transfers to India from Oct 3 - Oct 12, 2024
• Extra 30 paisa benefit on money transfers to India from 5th Sep to 17th Sep, 2024
• Special Promo for M2I UK New Customers from June 11 – Sep 30, 2024
• Extra 30 paisa benefit on money transfers to India from 14th Aug to 20th Aug, 2024
• Special Promo London Mahotsav from April 20 – 30, 2024
• FESTIVE Cashback Offer 19 Jan - 29 Feb
• Extra 10 paisa benefit on money transfers to India from 26th Jan to 28th Jan, 2024
• Extra 10 paisa benefit on money transfers to India from December 19, 2023 to January 3, 2024
• Festive Cashback December 2023 Promotion
• Extra 15 paisa benefit on money transfers to India from November 9, 2023 to November 23, 2023
• Festive Cashback Offer October 17-27, 2023
• 10 paise preferential rate on money transfers to India from 19th Sep 23 to 27th Sep 23
• Independence Day Master creative – preferential rate promotion ICICIDAY15
• Independence Day Master Creative – Terms and Conditions
• Safe Deposit Box zero rental offer from June 1 2021
• 15 paisa extra on remittance to India from April24, 2023 till May 15, 2023
• Monthly average balance waiver Promotion on HomeVantage Current Account (HVCA)
• INR 1000 extra on your first remittance applicable from April 1, 2021
• Remittance Festive Delights with cashback of upto £25 from 01 November, 2021
• INR 1000 extra on your first remittance to Jan 1, 2020
• Incentive on Repeat Transfers
• INR 1000 extra on your first remittance to NRE NRO Bank account
• Wonderchef offer Terms and Conditions
• Zero Fees on your money transfers to India
• Common Money Transfers applicable from feb 13, 2019
• Common Money Transfer
• Referral Program
• Mobile Banking App Offer
• 20 Paise Preferential Rate offer
• YuppTV Promotional Offer
• Cash Back Offer
• Navratri Promotional Offer
• Mobile App £10 cash back
• Festive offer
• Provogue watch offer Terms and Conditions
• India Calling Card Terms and Conditions
• Zero charges on money transfers to India offer
• Transfer Money to India for a Chance to Win GBP 100 Cash Back
• No Charges on Money Transfers to India with a HiSAVE Remittance Account
• TRANSFER MONEY AND WIN AN iPAD MINI* OR GIFT VOUCHERS WORTH GBP 100
• Diwali 2013: Free Silver Coin Special Offer
• Remit Fly Diwali TNC

Current Terms and Conditions

• ver 1.22 applicable w.e.f. 1 December, 2025 (pdf)

Historic Terms and Conditions

• ver 1.22 applicable w.e.f. 5 January, 2023 (pdf)
• ver 1.21 applicable w.e.f. 5 July, 2020 (pdf)
• General Terms and Conditions - applicable from March 03, 2017 ver 1.3 
• HiSAVE SuperSaver Savings Account – Issue One - applicable from December 06, 2016 ver 1.2 
• General Terms and Conditions - applicable from December 06, 2016 ver 1.2 
• General Terms and Conditions - applicable from December 22, 2015 ver 1.1 
• HiSAVE SuperSaver Savings Account – Issue One - applicable from December 22, 2015 ver 1.1 

Historic Terms and Conditions

• applicable from March 03, 2017 ver 1.7 
• applicable from December 15, 2016 ver 1.5 
• applicable from December 22, 2015 ver 1.4 
• applicable from June 22, 2015 
• applicable from July 1, 2013
• applicable from February 15, 2012

Current Terms and Conditions

• ver 1.22 applicable w.e.f. 1 December, 2025 (pdf)

Historic Terms and Conditions

• ver 1.22 applicable w.e.f. 5 January, 2023 (pdf)
• ver 1.21 applicable w.e.f. 5 July, 2020 (pdf)
• General Terms and Conditions 
• HiSAVE Bonus Saver Account From 17th January 2019 onwards 

Current Terms and Conditions

• ver 1.23 applicable w.e.f. July 31, 2023 (pdf)

Historic Terms and Conditions

• ver 1.22 applicable w.e.f. 5 January, 2023 (pdf)
• ver 1.21 applicable w.e.f. 5 July, 2020 (pdf)
• HiSAVE Notice Savings Account
• ver 1.19 applicable w.e.f. November 30, 2018 (pdf)
• ver 1.20 applicable for all new accounts w.e.f. 14th February , 2020 (pdf)
• HiSAVE Notice Savings Account From 20th November 2019 onwards

Current Terms and Conditions

• Account Holders - applicable from June 26, 2025
• Non-Account Holders applicable from April 30, 2026

Historic Terms and Conditions

• Non-Account Holders applicable from July 31, 2023
• Account Holders applicable from September 22, 2023
• Account Holders applicable from July 31, 2023
• Annual Summary of changes for Account holders from July 31, 2023
• Account Holders applicable from Nov 1, 2020
• Non-Account Holders applicable from August 19, 2022
• applicable from June 26, 2017
• applicable from October 25, 2016 ver 1.7
• applicable from December 22, 2015 ver 1.6
• applicable from March 20, 2014
• applicable from July 1, 2013
• applicable from January 1, 2012
• applicable from October 1, 2010
• applicable from November 1, 2009

Current Terms and Conditions

• Applicable from June 12, 2025

Historic Terms and Conditions

• Applicable from January 05, 2025
• Applicable from March 12, 2024

Current Terms and Conditions

• Special Promo for M2I UK New Customers from Jul 01 to Dec 31, 2026
• Special Promo for M2I UK registered users from Sep 25 to Mar 31, 2027
• Special Promo for Personal Current Account Customers from Sep 25 to Mar 31, 2027
• Special Promo for Personal Current Account Customers from Oct 11 to October 20, 2026
• Special Promo for M2I UK registered users from Oct 11 to October 20, 2026
• Special Promo for Personal Current Account Customers from Nov 1 to November 25, 2026
• Special Promo for M2I UK registered users from Nov 1 to November 25, 2026
• Special Promo for M2I UK registered users from 01 Sep – Mar 31, 2027
• Special Promo for M2I UK New Customers from Jul 01 to Sep 30, 2026
• Common Money Transfers applicable from November 15, 2019
• Refer-a-friend program for UK Current Account (HVCA)

Historic Terms and Conditions

• Special Promo for M2I UK registered users from Sep 03 to Sep 06, 2026
• Special Promo for Personal Current Account Customers from Sep 03 to Sep 06, 2026
• Special Promo for M2I UK registered users from Sep 14 – Sep 24, 2026
• Special Promo for Personal Current Account Customers from Sep 14 – Sep 24, 2026
• Special Promo for M2I UK registered users from Aug 27 to Aug 30, 2026
• Special Promo for Personal Current Account Customers from Aug 27 to Aug 30, 2026
• Special Promo for M2I UK registered users from Aug 15 to Aug 17, 2026
• Special Promo for Personal Current Account Customers from Aug 15 to Aug 17, 2026
• Special Promo for M2I UK registered users from Aug 18 to Aug 25, 2026
• Special Promo for Personal Current Account Customers from Aug 18 to Aug 25, 2026
• Special Promo for M2I UK registered users from Apr 15 to May 15, 2026
• Special Promo for Personal Current Account Customers from Apr 15 to May 15, 2026
• Special Promo for M2I UK New Customers from Aug 02 to July 06, 2026
• Special Promo for M2I UK registered users from Feb 10, 2026 to Mar 31, 2026
• Special Promo for M2I UK registered users from Nov 26 to Mar 31, 2026
• Special Promo for M2I UK registered users from Mar 19 to Mar 31, 2026
• Special Promo for M2I UK registered users from Feb 27, 2026 to Mar 4, 2026
• Special Promo for M2I UK registered users from Jan 26, 2026 to Jan 31, 2026
• Special Promo for M2I UK registered users from Dec 21, 2025 to Jan 2, 2026
• Special Promo for M2I UK New Customers from Aug 02 to Dec 31, 2025
• Special Promo for M2I UK registered users from Nov 25 to Nov 30, 2025
• Special Promo for M2I UK registered users from Aug 02 to Oct 31, 2025
• Google Pay £5 Reward Offer from 29 Oct 2024 to 10 Jan 2025
• Special Promo for M2I UK New Customers from Oct 1 – Dec 31, 2024
• Exclusive rate of 15 paise on Money Transfers to India from Oct 25 to Dec 31, 2024
• Special Promo for M2I UK registered users from Oct 20 - Nov 10, 2024
• Extra 30 paisa benefit on money transfers to India from Oct 20 - Nov 10, 2024
• Special Promo for M2I UK registered users from Oct 3 - Oct 12, 2024
• Extra 30 paisa benefit on money transfers to India from Oct 3 - Oct 12, 2024
• Extra 30 paisa benefit on money transfers to India from 5th Sep to 17th Sep, 2024
• Special Promo for M2I UK New Customers from June 11 – Sep 30, 2024
• Extra 30 paisa benefit on money transfers to India from 14th Aug to 20th Aug, 2024
• Special Promo London Mahotsav from April 20 – 30, 2024
• FESTIVE Cashback Offer 19 Jan - 29 Feb
• Extra 10 paisa benefit on money transfers to India from 26th Jan to 28th Jan, 2024
• Extra 10 paisa benefit on money transfers to India from December 19, 2023 to January 3, 2024
• Festive Cashback December 2023 Promotion
• Extra 15 paisa benefit on money transfers to India from November 9, 2023 to November 23, 2023
• Festive Cashback Offer October 17-27, 2023
• 10 paise preferential rate on money transfers to India from 19th Sep 23 to 27th Sep 23
• Independence Day Master creative – preferential rate promotion ICICIDAY15
• Independence Day Master Creative – Terms and Conditions
• Safe Deposit Box zero rental offer from June 1 2021
• 15 paisa extra on remittance to India from April24, 2023 till May 15, 2023
• Monthly average balance waiver Promotion on HomeVantage Current Account (HVCA)
• INR 1000 extra on your first remittance applicable from April 1, 2021
• Remittance Festive Delights with cashback of upto £25 from 01 November, 2021
• INR 1000 extra on your first remittance to Jan 1, 2020
• Incentive on Repeat Transfers
• INR 1000 extra on your first remittance to NRE NRO Bank account
• Wonderchef offer Terms and Conditions
• Zero Fees on your money transfers to India
• Common Money Transfers applicable from feb 13, 2019
• Common Money Transfer
• Referral Program
• Mobile Banking App Offer
• 20 Paise Preferential Rate offer
• YuppTV Promotional Offer
• Cash Back Offer
• Navratri Promotional Offer
• Mobile App £10 cash back
• Festive offer
• Provogue watch offer Terms and Conditions
• India Calling Card Terms and Conditions
• Zero charges on money transfers to India offer
• Transfer Money to India for a Chance to Win GBP 100 Cash Back
• No Charges on Money Transfers to India with a HiSAVE Remittance Account
• TRANSFER MONEY AND WIN AN iPAD MINI* OR GIFT VOUCHERS WORTH GBP 100
• Diwali 2013: Free Silver Coin Special Offer
• Remit Fly Diwali TNC

Historic Terms and Conditions

• applicable from June 10, 2015
• Indra Travel Terms and Conditions
• Aether Mobile Terms and Conditions
• applicable from February 24, 2015
• applicable from October 1, 2013
• applicable from September 2, 2013
• applicable from June 1, 2013
• applicable from May 22, 2013
• applicable from May 15, 2013
• applicable from May 08, 2013
• applicable from January 14, 2013

Historic Terms and Conditions

• applicable from February 08, 2016
• applicable from October 23, 2013
• applicable from December 29, 2011

Historic Terms and Conditions

• applicable from October 1, 2013
• applicable from July 1, 2013
• applicable from November 26, 2012

Historic Terms and Conditions

• applicable from April 1, 2014
• Aether-Mobile Terms and Conditions
• applicable from January 1, 2014
• applicable from October 1, 2013
• applicable from July 1, 2013
• applicable from April 1, 2013
• applicable from January 1, 2013