What is the mandated timeframe for the bank to reverse or credit the shadow amount for an unauthorized electronic transaction, where the customer has reported the fraud within three working days of receiving the alert?

Which of the following statements about the Complaint Redressal Mechanism in a Bank is/are correct? 1. The counter staff should resolve all customer grievances without involving the Branch Manager, as they are the first point of contact. 2. If the grievance cannot be resolved at the branch level, the Branch Manager is responsible for forwarding the complaint to the Regional/Zonal Office. 3. The Branch Manager is not required to communicate directly with the complainant unless the grievance requires escalation. 4. A Complaint Redressal letter is sent to the complainant only if the Branch Manager successfully resolves the complaint.