Which of the following statements about the “Integrated Ombudsman Scheme” is correct?        
I.            The Scheme was framed by the Reserve Bank in exercising the powers conferred on it under Section 35A of the Banking Regulation Act, 1949.      
II.            It will provide cost-free redress of customer complaints.    
III.            The Scheme also includes under its ambit Non-Scheduled Primary Co-operative Banks with a deposit size of ₹50 crore and above.    
IV.            Executive Director-in charge of the Consumer Education and Protection Department of RBI would be the Appellate Authority under the Scheme.