Which one of the sentences is incorrect with reference to Banking Ombudsman Institution in India?

1
The Banking Ombudsman is appointed by the Reserve Bank of India.
2
The Banking Ombudsman can hear complaints from Non-Resident Indians who have accounts in India.
3
The order passed by the Banking Ombudsman is final and binding on the concerned parties.
4
The services provided by the Banking Ombudsman are free of cost.
5
None of the above

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