This certificate verifies that Susmita Saurabh, a student at Manipal University, completed a 4-week project on "Retail Lending in the Banking Sector" at the State Bank of Mysore from May 2nd to 28th, 2011 under the supervision of Assistant General Manager B.C. Muralidhara. The bank is satisfied with the student's project report, which has not been previously submitted or published elsewhere for awards or prizes.