Disclosures

WEBSITE DISCLAIMER FOR POSTING THE RHP ON THE BANK’S WEBSITE

Important Disclaimer

PLEASE READ THIS DISCLAIMER CAREFULLY AND AGREE WITH THE TERMS AND CONDITIONS OF THIS DISCLAIMER BEFORE CONTINUING. IT APPLIES TO ALL PERSONS WHO VIEW THIS WEBSITE. PLEASE NOTE THAT THE DISCLAIMER SET OUT BELOW MAY BE ALTERED OR UPDATED. YOU SHOULD READ IT IN FULL EACH TIME YOU VISIT THE WEBSITE.

THESE MATERIALS ARE NOT DIRECTED AT OR INTENDED TO BE ACCESSED BY PERSONS OUTSIDE INDIA.

THE RED HERRING PROSPECTUS HAS BEEN MADE AVAILABLE ON OUR WEBSITE TO COMPLY WITH THE SECURITIES AND EXCHANGE BOARD OF INDIA (ISSUE OF CAPITAL AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2018, AS AMENDED.

The following disclaimer applies to the red herring prospectus dated February 1, 2024 (the “Red Herring Prospectus”) in relation to the proposed initial public offering of the equity shares (“Equity Shares”) of Jana Small Finance Bank Limited (the “Bank”) (the “Offer”). You are advised to read this disclaimer carefully before reading, accessing or making any other use of the Red Herring Prospectus. By accessing the Red Herring Prospectus, you agree to be bound by the following terms and conditions, including any modifications to them from time to time.

Access to the Red Herring Prospectus does not constitute a recommendation by the Bank, the Selling Shareholders (as defined in the Red Herring Prospectus), the Members of the Syndicate (as defined in the Red Herring Prospectus) or any of their respective affiliates or any other person to subscribe to the Equity Shares offered in the Offer.

The information in the Red Herring Prospectus is as of the date thereof and none of the Bank, the Selling Shareholders, the Members of the Syndicate or their respective affiliates or any of the Bank’s or the Members of the Syndicate’s respective directors or employees are under any obligation to update or revise the Red Herring Prospectus to reflect circumstances arising after the date thereof. The Bank cannot and does not guarantee the accuracy, timeliness or completeness of the information in the Red Herring Prospectus beyond the date of the Red Herring Prospectus.

No person outside India is eligible to Bid for Equity Shares in the Offer unless that person has received the preliminary offering memorandum for the Offer, which comprises the Red Herring Prospectus and the preliminary international wrap (which contains, among other things, the selling restrictions for the Offer outside India).

The Equity Shares offered in the Offer have not been and will not be registered, listed or otherwise qualified in any jurisdiction except India and may not be offered or sold, and Bids may not be made by persons outside of India except in compliance with the applicable laws of each such jurisdiction. In particular, the Equity Shares offered in the Offer have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the “U.S. Securities Act”), or the securities laws of any state of the United States and may not be offered or sold within the United States, except pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the U.S. Securities Act and applicable state securities laws. The Equity Shares are being offered and sold only to persons outside the United States in reliance on Regulation S under the U.S. Securities Act.

The copy of the Red Herring Prospectus hosted on this website may not be distributed, directly or indirectly, outside India. You are hereby notified that any forwarding, delivery or distribution of the Red Herring Prospectus, in whole or in part, outside India is strictly prohibited. Failure to comply with this disclaimer may result in a violation of the applicable laws. If you access the Red Herring Prospectus, you agree not to forward, deliver or distribute it, in whole or in part, to any person outside India.

Any potential investor should note that investment in equity shares involves a high degree of risk and for details relating to such risks, see the section titled “Risk Factors” of the Red Herring Prospectus.

You are accessing this website at your own risk. None of the Bank or any of its affiliates or their respective directors, officers or employees will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or disruption of this website, or resulting from the act or omission of any other party involved in making this website or the data contained therein available to you, or from any other cause relating to your access to, inability to access, or use of the website or these materials.

The Bank or any of its affiliates or their respective directors, officers or employees shall not be responsible for any loss or damage that could result from interception and interpretation by any third parties of any information being made available to you through this website. You are reminded that documents transmitted in electronic form may be altered or changed during the process of transmission and consequently none of the Bank or any of its affiliates or their respective directors, officers or employees accepts any liability or responsibility whatsoever in respect of alterations or changes which may have taken place during the course of transmission of the Red Herring Prospectus in electronic format.

You are responsible for protecting against viruses and other destructive items. You are accessing this website at your own risk and it is your responsibility to take precautions to ensure that it is free from viruses and other items of a destructive nature.

If you are not in India, please exit this webpage.

Confirmation of your acceptance of the terms and conditions

By clicking on the “I Confirm” button below you represent to the Bank and the Members of the Syndicate that:

• You have read the disclaimer set out above and you agree to be bound by its terms; and
• You are located in India.

If you cannot make these confirmations, you must press the button marked “I Do Not Confirm”.