Dear Mr.

Vipul Rasikbhai Vyas Emp Code : 35047 Kotak Mahindra Bank Limited

Welcome to Kotak Mahindra Bank. We are glad to adivse you that your Customer Relationship Number (CRN) is 39996014 and following Accounts has been opened under the same in Branch mentioned below : Savings Account Reimbursement Account Branch Name Branch Code : 000000601111734 : : Baroda - Kabir Plaza - Tarsali Vill : 2738

The above mentioned accounts are opened under staff category. Request you to submit the attached form duly filled along with required KYC documents norms to the home branch to activate your A/c.

Account Opening Form Individuals (New Customer Account)

Preferred Home Branch Baroda - Kabir Plaza - Tarsali Villege - Tarsali-BR Branch Code 2738

Personal Details Name

Mr. (Mr/Ms/Dr) Vipul Rasikbhai Vyas (First Name) (Middle Name) (Last Name)

paste your latest photograph here

Short Name
(This Name will appear on the Debit Card) Date of Birth 01-APR-87

(Upto 16 Characters only)

Gender Nationality Indian

Sikh ST zoroastrianis Y

Male Others others please specify

Marital Status Religion :Hindu Category : General

Muslim Y OBC

Married Christian SC

Buddhism

Father's Name Rasik Bhai Ramanbhai Vyas Mother's Maiden Name* Passport No. Education
Non-Graduate Graduate Self-Employed

Driving License No. Voter ID PAN

Post Graduate Professional Others Business Others AIHPV8205B

Service Occupation Designation Deputy Manager

Monthly Income <Rs 25,000 Y Residence Address

Flat Number/Building Street / Block City Postal Code

Rs 25,000-Rs 50,000

Rs 25,000-Rs 1 Lakh

>Rs 1 Lakh

At &Po, Sama,Near Post Office, Patel Faliyu, Vadodara Vadodara 390024 Area State Country Patel Faliyu, Gujarat India

Office Address
Company name Floor / Building KMBL Business Group Shop No 15-17, Kabir Plaza, Bhavan's Makarpura Road Baroda GJ 390009 Area

City State Postal Code

Telephone No: Mobile Number 9099062502/9228374387 (Mobile Residence Addess Preferred Mailing Address*

Fax No:
number will be used for sms Banking registration for eligible ac

Office Addess

(Debit Card/Pin/Password mailers will be sent to the preferred mailing address of ech applicant. Account Statement/ Cheque Book will be sent to preferred mailing address of the first applicant)

Email Address vipul.vyas@kotak.com

* Fields are mandatory

(Required for e-mail Alerts and e-newsletters)

Channel Acces Request

I wish to apply for access to the following channels

Phone Banking Deposit Account(s) Demat Account(s) Investment Account(s) Insurance Term Deposit(s)

Net Banking

Debit Card

Payment Gateway*

* Access to Payment Gateway will give automatic access to Net Banking, Direct Pay, Online Shopping and all Gateway services that may be introduced by the Bank from time to time. # Mandate in favour to Bank to be executed to avail transaction facility on Net banking for Investment Account(s).

other

For Bank use only CRN ID 39996014 Corporate Code Account No.

Alerts Facility
Alerts facility enables you to receive alerts on your Email and/or Mobile on happening of certain events like large debit, large credit, balance falls below AQB etc. I / we hereby expressly consent and authorize the Bank to make telephone calls and send SMSs or / emails to inform me / us on any information or updates relating to the Bank?s existing products / services or any new products /services. The said consent given is valid till such time I / we withdraw the same by giving the same in writing.

Alert Type* Large Credit Large Debit Balance Below AQB Account Balance Standing Instruction Failure SMS SMS SMS SMS SMS

Mode Ace Account E-mail Above ** Rs. E-mail Above ** Rs. E-mail E-mail E-mail Daily Weekly

Amount / Frequency Others

Daily

Weekly

(Charges as applicable)

* These alerts will be applicable for all your selected accounts. To make changes for any one account, please fill up Modify Alerts and SMS Banking form. **In case, no value specified, default values for Current Account will be set at Rs. 50000/- and for Saving Account will be set at Rs. 10000/1.SMS Banking facility is available to all account holders. Alerts would be sent to the primary Account Holder only. 2.The mobile number and E-mail address mentioned in this form will be used for all Alerts sent by the Bank. Bank will also use these details for sending out information and updates about products and services. In case you do not want to receive these information/updates, you can register yourself for Do Not Contact by visiting our Net Banking. 3-in-1 Access (needed for trading account)

The

Direct Access*

Payment Gateway

* If Direct Access to Bank Account is required for online trading, please execute POA on Bank Account favouring Broking firms and register the same with Bank. (Both forms are available at our Bank branches)

Account Details Account Type* Savings

(Product Type & Code)

Current
(Product Type & Code)

Employee Code 35047

(If you have availed Corporate Salary Account)

Investment Account

Term Deposit

* More than one type of account can be opened only if all the applicants, including the primary applicant, remain the Customer Relationship Number* same.

Name of 2nd Applicant Name of 3rd Applicant

* If not available, please fill the Joint Applicant Details Form for each applicant, representative / guardian of the applicant.

Mode of Operation Nomination #

Singly Yes

Either or survivor No

Jointly Furnished

Others Not Furnished

Letter signed by me # Mandatory for Single Account holders / Proprietary Accounts

Payment Details
Amount (In figures) (In words)

Mode of Payment
Cash (Please deposit only at bank accounters) Debit my/our Account Number Cheque Number Dated Drawn on Branch

Cheques issued by the customer from his/her existing bank account and payable to Kotak Mahindra Bank Ltd. A/c (Customer name) will only be accepted.

Account Statement Frequency (By default is monthly) Term Deposit Details

Period Amount Rs. year(s) month(s) (In words) day(s)

Daily

Weekly

Charges applicable as per the product category availed by you.

Interest Frequency (Tick any one) Maturity Instruction (Tick any one)

Monthly Payout Auto Renew Principa

Quarterly Payout

Cumulative Auto renew Principal & Interest Auto renew Principal & pay Interest

Payment Instructions

Credit to my bank account no. Payment instrument to be mailed to my mailing address Senior Citizen Others

with Kotak Mahindra Bank Ltd.

Status 2- Way Sweep

KMBL Staff

* If Term Deposit tenure is less than 364 days please mention tenure in days only.

2-Way Sweep is a facility of automatically moving out amounts above a pre-specified level from your current/ savings account to a Term Deposit (TD) Account. In case of insufficient balance in current/savings account, the TD will be broken prematurely and the required amount will be transferred to current/savings account. 2-Way Sweep Required No Yes

Sweep-In
Sweep-In is the facility of linking current/savings accounts with TD's. In case of insufficient balance the linked TD's will be broken prematurely and the required amount is transferred to the savings/current account This facility is allowed only if the order of names and mode of operation is same in the linked accounts. For sweep-in facility,please link Savings/Current Account Number &Term Deposit Number(s)

&

Introduction Details
Introduction to be provided by existing account holder,or documents as per checklist to be attached for each applicant. Introducer?s Name Customer Relationship No. Account No.
(Client ID in case of demat)

I confirm that I am an account holder of Kotak Mahindra Bank Ltd. for the past________months and personally know the applicant for more than _________ months and confirm his/her/their identity as stated above.

X
Credit Facilities (Only for Current Account)

Signature of the Introducer____________________ Signature Verified by__________________________ (Sign and Stamp)

I/We declare that I/we do not enjoy credit facilities with other bank(s). I/We enjoy credit facility/have current accounts with other bank(s).
(Please attach the details of such facilities separately as per format available with the branch).

Declaration
The particulars contained herein shall be valid for all accounts opened by me/us or to be opened by me/us hereafter either singly or with other(s) and/or by me/us in any representative capacity with the Bank unless informed to you otherwise. I/We have read and understood the Terms and Conditions governing the opening of an account with Kotak Mahindra Bank Ltd. (the Bank),and those relating to various Services including but not limited to (a) ATMs (b) Phone Banking (c) Debit Card (d) Net Banking (e) Payment Gateway (f) SMS Banking (g) Alerts Service (h) Opening of an Investment Account. I/We understand that the Bank may at its absolute discretion, discontinue any of the Services completely or partially without any notice to me/us. I/We agree that the Bank may debit my account for service charges as applicable from time to time. I/We understand that investment products are not bank objects or other obligations of or guaranteed or insured by Kotak Mahindra Bank Ltd. or their affiliates. They are subject to risk and possible loss of principal. Past Performance is not indicative of future performance. I/We hereby declare the above information is true to the best of our knowledge. I/We shall advise the Bank immediately in the manner as agreed by me/us and in the form acceptable to the Bank, in case of any change in the above details and information given by me/us. To refer to the terms and conditions please visit our web-site www.kotak.com or collect a copy of the Terms and Conditions from any of our branches.

Mandate for Investment Accounts

I/We hereby authorize you to transfer funds in any form and manner including but not limited to by way of debit/credit of my/our account(s), and issue pay-orders/demand drafts/bankers cheques, from my/our account for the purchase, redemption, switch, receipt of dividends or any such acts for Mutual Fund unit in pursuance of the instruction given by me/us or my Attorney from time to time. I/We hereby state that all the acts, deeds and things done by you based on such instruction shall be binding on me/us. This mandate by me/us is to be adhered to by the Bank in respect of all actions permitted by the RBI and/or relevant regulations as applicable from time to time.

1st Applicant

2nd Applicant

Name__________________________________________ Vipul Rasikbhai Vyas

Customer Relationship Number 39996014

Name__________________________________________
Customer Relationship Number

3rd Applicant

4th Applicant

Name__________________________________________
Customer Relationship Number

Name__________________________________________
Customer Relationship Number

Please sign in Black ink only. 1. The Net Banking, Phone Banking and Payment Gateway access, if applied for, is applicable for all Deposit Accounts existing or to be opened in future. Net Banking and Phone Banking access, if applied for, is applicable for all Investment Accounts existing or to be 2. opened in future. 3. Transaction rights on Direct Channel for Investment Accounts are subject to the customer executing and granting Power of Attorney in favour of the Bank as required from time to time. 4. Channel access for MF Investment (2-Way Sweep) is restricted to view or enquiry rights on Phone Banking and Net Banking. The channel access for Demat Accounts is restricted to view or enquiry rights and is subject to all the 5. applicants of the Demat Account signing the declaration. 6. All account(s) existing or to be opened in future will be linked to the Debit Card/Payment Gateway. Customer to give specific instructions if he/she wishes to de-link any account(s). 7. Payment Gateway/Direct Access facility is provided as per regulatory guidelines as applicable from time to time. 8. The SMS Banking Service will enable the Customer to receive customised messages through SMS over his/her mobile phone as chosen by the customer and informed to the Bank, with respect to events/transactions/information relating to his/her account(s). 9. The Mobile No. and Email Address registered in this form will be used across all Kotak Mahindra Bank accounts held by the Customer and would be used for all future correspondence made by the bank. 10. "Jointly held" Accounts would not be given transaction rights through SMS Banking Services and Net Banking. 11. In case of "Jointly held" accounts, signatures of all account holders are required.

Customer Checklist
Documents to be submitted in original along with a photocopy.Original documents will be returned after verification

Proof of Identification (Atleast one document to be provided for each applicant.) 1. Driving Licence 2. Passport 3. Photo Credit Card 4. Election ID Card 5.PAN (Income Tax) Card Address Verification 1. Utility Bill 2. Election ID Card 3. Driving Licence 4. Passport Signature Verification 1. Passport 2. Bankers Verification 3. Signed Cheque

For Bank Use Only 1st Applicant CRN Flex Customer ID Branch_____________________________________________________ Account Sourcing Date (dd/mm/yy)___________________________ Source code________________________________________________ Lead Generator code________________________________________ Lead Convertor code________________________________________ RM code____________________________________________________ Approved by_______________________________________________
I have clearly explained to the customer the advantages of nomination facility and in spite of the same he / She still does not want to nominate and he / she also refused to provide a specific letter to the effect that he / She does not want to make a

2nd Applicant

3rd Applicant

Category :

Employee Signature_________________________________________________
35047 Employee Code______________________________________________________

Joint Applicant Details

(To be filled by 2nd/3rd Applicant separately)
Preferred Home Branch______________ Personal Details Name Paste your latest Photograph here

(Mr/Ms/Dr

(First name)

(Middle Name)

(Last Name) (Upto 16 Characters only)

(Upto 40 Characters only)

Short Name
(This Name will appear on the debit card)

Date of Birth Marital Status

Gender Single Hindu Muslim General OBC Nationality Married Christian Sikh SC ST

Male

Female Others Buddhism

Others Please specify__________

Religion : Category :
Father's Name

Indian Zoroastrianism

Mother's Maiden Name*

Driving Licence No.

PAN* Passport No.

Non-Graduate Graduate Education Service Self-Employed Occupation Residence Address: Flat Number/Building Street/Block

Voter ID
Post Graduate Professional Others Business Others

Area Landmark City State Telephone No: Office Address: Company Name Floor/Building Area Landmark City State Telephone No: Mobile Number Preferred Mailing Address* Fax No:
(Mobile number will be used for SMS Banking registration for eligible accounts)

Pin Code

Fax No:

Pin Code

Residence Address Office Address (Debit Card/PIN/Password mailers will be sent to the preferred mailing address of each applicant. Account Statement/ Cheque Book will be sent to preferred mailing address of the first applicant)

Channel Access Request

I wish to apply for access to the following Channels

Phone Banking Deposit Account(s) Demat Account(s) Investment Account(s) Insurance Term Deposit(s)

Net Banking

Debit Card

Payment Gateway*

* Access to Payment Gateway will give automatic access to Net Banking, Direct Pay, Online Shopping and all other Gateway services that may be introduced by the Bank from time to time. # Mandate in favour of Bank to be executed to avail transaction facility on Net Banking for Investment Account(s). 3-in-1 Access (needed for trading account)

Direct Access*

Payment Gateway

* If Direct Access to Bank Account is required for online trading, please execute POA on Bank Account favouring Broking firms and register the same with Bank. (Both forms are available at our Bank branches)

Introduction Details
Introduction to be provided by existing account holder,or documents as per checklist to be attached for each applicant. Introducer's Name Customer Relationship No. Account No.

I confirm that I am an account holder of Kotak Mahindra Bank Ltd. for the past________months and personally know the applicant for more than _________ months and confirm his/her/their identity as stated above.

X
Declaration

Signature of the Introducer____________________ Signature Verified by__________________________ (Sign and Stamp)

The particulars contained herein shall be valid for all accounts opened by me/us or to be opened by me/us hereafter either singly or with other(s) and/or by me/us in any representative capacity with the Bank unless informed to you otherwise. I/We have read and understood the Terms and Conditions governing the opening of an account with Kotak Mahindra Bank Ltd. (the Bank),and those relating to various Services including but not limited to (a) ATMs (b) Phone Banking (c) Debit Card (d) Net Banking (e) Payment Gateway (f) SMS Banking (g) Alerts Service (h) Opening of an Investment Account. I/We understand that the Bank may at its absolute discretion, discontinue any of the Services completely or partially without any notice to me/us. I/We agree that the Bank may debit my account for service charges as applicable from time to time. I/We understand that investment products are not bank objects or other obligations of or guaranteed or insured by Kotak Mahindra Bank Ltd. or their affiliates. They are subject to risk and possible loss of principal. Past Performance is not indicative of future performance. I/We hereby declare the above information is true to the best of our knowledge. I/We shall advise the Bank immediately in the manner as agreed by me/us and in the form acceptable to the Bank, in case of any change in the above details and information given by me/us. To refer to the terms and conditions please visit our web-site www.kotak.com or collect a copy of the Terms and Conditions from any of our branches.

Mandate for Investment Accounts

I/We hereby authorize you to transfer funds in any form and manner including but not limited to by way of debit/credit of my/our account(s), and issue pay-orders/demand drafts/bankers cheques, from my/our account for the purchase, redemption, switch, receipt of dividends or any such acts for Mutual Fund unit in pursuance of the instruction given by me/us or my Attorney from time to time. I/We hereby state that all the acts, deeds and things done by you based on such instruction shall be binding on me/us. This mandate by me/us is to be adhered to by the Bank in respect of all actions permitted by the RBI and/or relevant regulations as applicable from time to time.

Signature of the Applicant_____________________________ (If the applicant is minor, guardian to sign) The Net Banking, Phone Banking and Payment Gateway access, if applied for, is applicable for all Deposit Accounts existing or to be opened in future. Net Banking and Phone Banking access, if applied for, is applicable for all Investment Accounts existing or to be 2. opened in future. Transaction rights on Direct Channel for Investment Accounts are subject to the customer executing and granting 3. Power of Attorney in favour of the Bank as required from time to time. Channel access for MF Investment (2-Way Sweep) is restricted to view or enquiry rights on Phone Banking and Net 4. Banking. The channel access for Demat Accounts is restricted to view or enquiry rights and is subject to all the 5. applicants of the Demat Account signing the declaration. All account(s) existing or to be opened in future will be linked to the Debit Card/Payment Gateway. Customer to 6. give specific instructions if he/she wishes to de-link any account(s). Payment Gateway/Direct Access facility is provided as per regulatory guidelines as applicable from time to time. 7. The SMS Banking Service will enable the Customer to receive customised messages through SMS over his/her mobile 8. phone as chosen by the customer and informed to the Bank, with respect to events/transactions/information relating to his/her account(s). The Mobile No. and Email Address registered in this form will be used across all Kotak Mahindra Bank accounts 9. held by the Customer and would be used for all future correspondence made by the bank. 10. "Jointly held" Accounts would not be given transaction rights through SMS Banking Services and Net Banking. 11. In case of "Jointly held" accounts, signatures of all account holders are required. 1.

FORM DA 1
I/We Name(s) __________________________________________________________________________________________________ Address(es)________________________________________________________________________________________________ nominate the following person to whom in the event of my/our/minor?s death the amount of the deposit, particulars whereof are given below, may be returned by ___________________________________________________
Nomination under Section 45-ZA of the Banking Regulation Act, 1949, and rule 2 (1) of the Banking Companies (Nomination) Rules, 1985, in respect of bank deposits.

Deposit

(name and address of branch/office in which deposit is held)

Nature of__________________________________________________________________________________________________ Distinguishing No. Additional details, if any _______________________________________________________________________________

Nominee
Name ______________________________________________________________________________________________________ Address ___________________________________________________________________________________________________ Relationship with depositor, if any _______________________________________________________________________ Age __________ If nominee is a minor, date of birth
(DD-MM-YYYY)

As the nominee is a minor on this date, I/we appoint Shri / Smt / Kum* Name ______________________________________________________________________________________________________ Address _____________________________________________________________________________ Age _________________ to receive the amount of the deposit on behalf of the nominee, in the event of my / our / minor?s death during the minority of the nominee. Date ______________ _________________ __________________ Depositor Place _____________ _________________ Depositor Depositor

X X

Signature(s) / Thumb Impression(s)**

Signature of First Witness *** ______________________________________ ___________________________________ Name

Signature of second Witness *** ______________________________________ ___________________________________

Name

Address

Address

* Strike out if nominee is not a minor. ** Where deposit is made in the name of a minor, the variation of nomination should be signed by a person lawfully entitled to act on behalf of the minor. *** Thumb impression(s) shall be attested by two witnesses and signature will be attested by one witness.

Reimbursement Account Opening Form

Home Branch Baroda - Kabir Plaza - Tarsali Villege - Tarsali KMBL Business Group Name of Organisation

Account Type
Current Account Scheme Type - Reimbursement Account

Details of Applicant
Name _____________________________________ Vipul Rasikbhai Vyas Customer Relationship No. 39996014

Mode of Operation
Singly Either or survivor Jointly Others,please specify ________________

Credit Facilities
I declare that I do not enjoy credit facilities with other bank(s). I enjoy credit facility/have current accounts with other bank(s). (Please attach the details of such facilities separately as per format enclosed.)

Declaration
I have read and understood the Terms and Conditions governing the opening of an account with Kotak Mahindra Bank Ltd., and those relating to various services including but not limited to (a) ATMs (b) Phone Banking (c) Debit Card (d) Net Banking. I accept and agree to be bound by the said Terms and Conditions including those excluding/limiting the Banks. liability. I understand that the Bank may at its absolute descretion, discontinue any of the services completely or partially without any notice to me. I agree that the Bank may debit my account for service charges as applicable from time to time. I hereby declare that the information furnished above is true and correct to the best of my knowledge.

Signature_____________________________________
Applicant Verified by,

Authorised Company Representative (with Stamp of the Organisation) Date ______________ Place _____________

For Bank Use Only Branch _____________________________________ RM Code ____________________________________ Sales Code _________________________________ Account Sourcing Date (dd/mm/yy)____________ Product Code _______________________________ Scheme Code ________________________________ Checked by _________________________________ Name of Organisation _______________________ Reimbursement Account No._________________________ Date account opened ______________________________ Entered by _______________________________________ Authorised by ____________________________________

Employee Declaration
I / We declare that the monies deposited or which may from time to time, be deposited into my/our account belongs to me/us. I also authorize KMBL to credit my salary and all other payments due to me from the KMBL into this account maintained with Kotak Mahindra Bank Ltd. *I confirm that the joint account holder is a member of my family and is dependent on me.

___________________ Signature of Employee Name of Employee

__________________ Date Vipul Rasikbhai Vyas _______________________________________ 39996014

Customer Relationship Number (If Available) of Employee

________________________________

___________________ Signature of joint account holder Name of joint account holder

__________________ Date __________________

Customer Relationship Number of joint account holder (If available)

__________________

For Bank Use (CPC)

____________________ Signature of Authoriser

Name of Authoriser

_______________________

*Strike out for a single signatory account