Dear Sir/ Madam,

Firstly, we thank you very much for allowing us to present our Business Banking Services to you. Established in 1985, Kotak Mahindra Bank with a net worth of over Rs. 6327 cr, has been one of India's leading financial institutions, offering complete financial solutions which include Commercial Banking, Stock Broking, Mutual Funds, Life Insurance & Investment Banking. Our 15000 employees serve over 5.9 million customer accounts, including individuals as well as businesses, through our branches & offices spread across 370 cities and towns in India & in New York, London, Dubai, Mauritius, Singapore & San Francisco. We have more than 323 branches & 422 ATMs across 184 locations covering all major business locations across India for your convenience. Under our Retail Business Banking Services, we offer you unmatched Current Account products, with our core belief being that each business is unique and so are its banking needs. So, whether it is a small/ mid-size firm or an enterprise spread across multiple locations, we have the right Current Account to power your business to soaring heights.

Kotak Ace Current Account Kotak Elite Current Account Kotak Pro Current Account Kotak Edge Current Account

Key Features of Our Current Account Products

Free DD/BC, NEFT, RTGS & at-par cheques! Free out-station cheque collection! Free Cash Deposits! Free Home Banking! Free debit card & Any VISA ATM Usage! Free outward Cheque Returns! Interest on idle funds in current account! Unsecured OD upto 10 Lakhs! SMS Requests & Alerts! Dedicated Relationship Officer!

Payment Services: Make quick payments conveniently to all major business locations at min. cost!
Payable At-par Cheques: Payable at more than 125 Kotak and 200 non kotak locations! Demand Drafts: Payable at more than 125 Kotak & 1000 non Kotak locations! NEFT: Online fund transfer upto Rs.1 L to more than 10000 branches across 200 locations pan India. Same day fund transfer for requests received till 3 pm Mon-Fri & 12 noon on Sat. RTGS: Instant fund transfer > Rs.1 L to 55000 bank branches across 10000 locations pan India! Both NEFT & RTGS facilities are available at all our branches as well.

Collection Services: Get quick cheque collection at min. cost even from remote business locations!
Out-station Cheque Collections: Cheques collected from more than 125 Kotak & 10000 non kotak locations. Kotak locations include 53 rural & semi urban locations! Inward NEFT & RTGS: All Kotak Mahindra Bank branches are RTGS & NEFT enabled!

Cash Transactions: Get monthly free limit for cash deposits at any branch within Home Branch
location upto 5 times of avg balance maintained in the previous month, along with a minimum assured free limit! So you can decide your free limit depending upon your business requirement!

Home Banking Service: Routine banking services like cash deposits/ withdrawals, cheque deposits
etc. are provided right at your doorstep! Services offered include: Instrument Related: Cheque pick-up & DD delivery Cash Related: Cash pick-up/ delivery (Rs. 5,000 upto Rs. 5,00,000 per request) Beat Cheque Pick-up: We shall pick cheques from your doorstep everyday at a fixed time!

Just call our 24x7 toll free Phone Banking numbers to place a request & experience a time saving service. So you can focus on your business activities while we take care of your banking activities!

ActivMoney: Everyday end of day balances above a threshold are automatically swept-out to
term deposit for 181 days! Interest is paid on these as per the number of days for which these remain as TD! On requirement of balance in your account, these TDs are swept-in on a last-in-first-out basis! Hence, you enjoy twin advantage of interest & sufficient liquidity!

Debit Card: Get VISA Debit Card which can be used at 1 million ATMs worldwide! Access 20000
ATMs in India! Swipe this card for shopping at more than 1 L outlets in India & 30 million worldwide! The daily cash withdrawal & purchase limits can be set as per your requirement!

Net Banking: Bank 24 x 7, anywhere at your convenience! You can print account statement,
transfer funds using NEFT & RTGS, check latest Term Deposit & Forex rates, book a Term Deposit, invest in Mutual Funds, initiate standing instructions, request for a cheque book or pay utility bills!

SMS Requests & Alerts: Use your mobile phone to track account transactions anytime, anywhere!
Requests: Just send an SMS request in the specified format from your registered mobile number to 5676788 to check account balance, last 3 transactions details, issued cheque status, request a new cheque book or account statement. Alerts: Get regular SMS alerts on your registered mobile number, on account opening, weekly balance update, balance below AQB & large debit or credit to your account!

Product Wise Comparison of key Features Offered

Features & Services
AQB in Rs.
Remittances/Payments Payable at Branch Locations Free DD/BC Payable at Nonbranch Locations Free RTGS Through Branch Through Net Banking Through Branch Through Net Banking

Ace
250,000
Unlimited 30L p.m. Unlimited Unlimited Unlimited Unlimited Unlimited

Elite
100,000
100 p.m. 10L p.m. Unlimited Unlimited Unlimited Unlimited Unlimited

Pro
50,000
50 p.m. Nil Unlimited Unlimited Unlimited Unlimited Unlimited

Edge
25,000
25 p.m. Nil Nil Unlimited Unlimited Unlimited 1 p.m. (50 leaves)

Std Charges
in Rs.
1/1000 (Min 40 Max 5000) 2/1000 (Min 40 Max 5000) 1 - 5 L: 25/ txn; > 5 L: 50/ txn Upto 1L: 5/ txn; > 1L: 25/ txn 2/Leaf <10K: 50/Chq; 10K 1L: 100/Chq; >1L: 150/Chq <10K: 50/Chq; 10K 1L: 100/Chq; >1L: 150/Chq

Free NEFT

Free Cheque Payable at-par Book Receipts/ Collections Free Outstation Cheque Collection Home Banking Free On Call Requests Free Beat Service Cheque Pick-up or DD Delivery Cash Pick-up or Delivery Beat Cheque Pickup Cheques Drawn at Branch Locations Cheques Drawn at Non - branch Locations

Unlimited

Unlimited

Unlimited

All cheques > Rs. 1L All cheques > Rs. 1L

All cheques > Rs. 1L

All cheques > Rs. 1L

All cheques > Rs. 1L

1 request/Day 1 request/Day Unlimited

1 request/Day 1 request/Day Unlimited

1 request/Day (max upto 6 per month) 1 request/Day (max upto 10 per month) Unlimited Free if 10 Cr txns are done p.m. else 250 p.m. 5 times of prev month's avg credit balance or 5L whichever is higher Nil Unlimited Nil Nil but Charge Rs. 50/ Chq Nil but Charge Rs. 50/ Chq Nil Unlimited

Nil Nil Nil

40/ Request < 2L: 200/Request; 2 5L: 300/ Request 500 p.m.

Cash Deposit & Withdrawal At Home Branch Location At Non home Branch Location From Home Branch Location From Non - home Branch Location Local Out-station Financial Reasons Technical Reasons 5 times of prev month's avg credit balance Nil Unlimited Nil 3 p.m. & Charge Rs. 50/ Chq Nil but Charge Rs. 50/ Chq Nil Unlimited 5 times of prev month's avg credit balance or 10L whichever is higher Nil Unlimited Nil 3 p.m. & Charge Rs. 50/ Chq Nil but Charge Rs. 50/ Chq Nil Unlimited 5 times of prev month's avg credit balance or 3L whichever is higher Nil Unlimited Nil 2.5/1000

Free Cash Deposits

4.5/1000 Min 50 per txn Nil 2/1000 Min 50 per txn

Free Cash Withdrawal Cheque Returns Free Cheque Deposited & Returns Free Cheque Issued & Returns

Nil Nil Nil Unlimited

100 per Cheque 100 per Cheque + Corr Bank Chrgs 300 per Cheque Nil