Amarindaz

 Smashwords is one of the largest ebook distributors which distribute ebooks to all the major retailers such as Barnes &  Noble, Kobo, Amazon, Apple, Inketra, Baker & Taylor Blio, Overdrive, Scribd, Yuzu, Tolino, Odilo, Gardners Library etc., Publishers as well as indie

I neither transfer money from savings to current account in HDFC nor from any other account so, at the end of every year, I received a letter from HDFC