2 SBI CARDS AND PAYMENT SERVICES LTD, REPRESENTED BY ITS SENIOR EXECUTIVE (CUSTOMER CARE), CSI SHOPPING COMPLEX, BROADWAY, ERNAKULAM, KOCHI, PIN682 031, KERALA. 3 RESERVE BANK OF INDIA, REPRESENTED BY ITS CHIEF GENERAL MANAGER, DEPARTMENT OF REGULATION, CENTRAL OFFICE, 2ND FLOOR, MAIN OFFICE BUILDING, SHAHID BHAGAT SINGH MARG, FORT, MUMBAI-400 001 4 UNION OF INDIA, DEPARTMENT OF FINANCIAL SERVICES MINISTRY OF FINANCE, 3RD FLOOR, JEEVAN DEEP BUILDING, SANSAD MARG, NEW DELHI 110 001. BY ADVS. M.JITHESH MENON C.DINESH, CGC