Left to Right (Dais only): Mr M. S. Sundara Rajan, Former CMD, Indian Bank & Member, Committee on Customer Service in Banks, Mr. P. Murari IAS (Retd.), Advisor to FICCI President & Former Secretary to President of India, Mr M R Sivaraman, IAS., (Retd.), Former Revenue Secretary, GOI, Mr. S. Rajaratnam IRS, (Retd), Senior Advocate & Eminent Tax Management Consultant and Former Member IT Appellate Tribunal, Mr. Vikram Vijayaraghavan, Convener, Finance, Banking, Insurance & Taxation Panel, FICCI Tamil Nadu State Council