Delivery Channels. We deliver our products and services through a variety of channels, ranging from traditional bank branches to ATMs, call centers and the Internet. We also have direct marketing agents or associates, who deliver our retail credit products. These agents help us achieve deeper penetration by offering doorstep service to the customer. At September 30, 2006 we had a network of 584 branches and 48 extension counters in 355 centers across several Indian states. Extension counters are small offices primarily within office buildings or on factory premises that provide commercial banking services. We propose to open 111 new branches and 450 offsite ATMs pursuant to authorization received from Reserve Bank of India in November 2006. As a part of its branch licensing conditions, the Reserve Bank of India has stipulated that at least 25.0% of our branches must be located in semi-urban and rural areas. The following table sets forth the number of branches broken down by area at September 30, 2006. Metropolitan/urban . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 389 66.6% Semi-urban/rural . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 195 33.4% Total . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 584 100.0% At September 30, 2006, we offered one or more retail credit products in about 1,200 centers. At September 30, 2006, we had 2,336 ATMs, of which 717 were located at our branches and extension counters. Through our website xxx.xxxxxxxxx.xxx, we offer our customers online access to account information and payment and fund transfer facilities. We provide Internet banking services to our corporate clients through ICICI e-business, a finance portal which is the single point web-based interface for all our corporate clients. We provide telephone banking services through our call center. At September 30, 2006, our call center had 4,238 service workstations in India. We offer mobile phone banking services to our customers using any cellular telephone service operator in India. Through our treasury operations, we seek to manage our balance sheet, including the maintenance of required regulatory reserves, and to optimize profits from our trading portfolio by taking advantage of market opportunities. Our trading and securities portfolio includes our regulatory reserve portfolio, as there is no r...
Delivery Channels. Bitdefender may choose to provide MDR Services using the following delivery channels: phone, email or remotely accessing Customer GravityZone Console. During the delivery of MDR Services, Bitdefender may, at its sole discretion and without any obligation, capture MDR Services sessions in different forms (such as, but not limited to voice recording, written recording, database monitoring) for quality improvement purposes and/or market research purposes. Customer agrees to allow Bitdefender to perform such captures, including recordings of any type and to use and process any information resulted from such recordings for MDR Services improvement purposes, for marketing research or training purposes and in order to respond to any legal or regulatory requirements, in compliance with the applicable laws.
