Address Type* Residential Business Registered Office

DMS Ref No Account No. Branch SOL ID (For Ofﬁce use only) Scheme Code US Reportable Other Reportable (Refer Appendix1)

CURRENT ACCOUNT OPENING FORM FOR LEGAL ENTITY/RESIDENT INDIVIDUAL SAVING ACCOUNT/TERM DEPOSIT ACCOUNT OPENING FORM FOR ELIGIBLE LEGAL ENTITY General Instructions: 1. Fields marked with "*" are mandatory 2. Tick where ever applicable 3. Please ﬁll the form in BLOCK letters

I/W e request you to open a Saving, Current , Term Deposit account Date ______

CKYC Registered Yes No If Yes CKYC No. 1. ENTITY / INDIVIDUAL DETAILS Name* Registration No./CIN/Trade License No./ Any other identification No. Date of Incorporation* / Registration/ Date of Birth D D M M Y E A R Date of Commencement of Business* D D M M Y E A R Place of Incorporation* Country of Incorporation* Country of Residence as per Tax laws* IE Code ( If applicable) Tax Identification Number (TIN) TIN Issuing Country PAN Form 60 (Please fill Form 60) GSTIN Nature of Business - Brief about activity :______Number of controlling person(s) resident outside India for tax purposes (Please provide details of each Controlling Person resident outside India for Tax purposes separately in ‘Annexure-3’) 2. CONSTITUTION OF APPLICANT Individual Proprietorship Partnership HUF Pvt Ltd Public Ltd Society AOP/BOI Trust Liquidator LLP Artificial Juridical Person Others Not categorized______. In case of Ltd Co, Whether listed in stock exchange Yes No If Registered under FCRA, FCRA registration no. Valid upto D D M M Y E A R 3. PROOF OF IDENTITY (PoI)* (Certified copy of any one of the following Proof of Identity[PoI] needs to be submitted) Certificate of Incorporation / Formation Registration Certificate Resolution of Board / Managing Committee Memorandum and Article of Association / Partnership Deed / Trust Deed Identification information in respect of person authorised to transact Others, please specify______4. PROOF OF ADDRESS (PoA)* (Certified copy of any one of the following Proof of Address [PoA] needs to be submitted) 4.1. CURRENT / PERMANENT / OVERSEAS ADDRESS DETAILS Address Type* Residential Business Registered Office Unspecified Proof of Address* Certificate of Incorporation / Formation Registration Certificate Others______Line 1* Line 2 Line 3 City / Town / Village* State / U.T Pin / Post Code* Country* Tel. (Off) Tel. (Res) Mobile FAX Email ID 4.2 CORRESPONDENCE / LOCAL ADDRESS DETAILS* (To be given only if different from the above) Address Type* Residential Business Registered Office Unspecified Proof of Address* Certificate of Incorporation / Formation Registration Certificate Others______Line 1* Line 2 Line 3 City / Town / Village* State / U.T Pin / Post Code* Country* Tel. (Off) Tel. (Res) Mobile FAX Email ID 4.3 ADDRESS IN THE JURISDICTION WHERE ENTITY IS RESIDENT OUTSIDE INDIA FOR TAX PURPOSES* / 2nd CORRESPONDENCE / LOCAL ADDRESS DETAILS Address Type* Residential Business Registered Office Unspecified Proof of Address* Certificate of Incorporation / Formation Registration Certificate Others______Line 1* Line 2 Line 3 City / Town / Village* State / U.T Pin / Post Code* Country* Tel. (Off) Tel. (Res) Mobile FAX Email ID 5. RELATED PERSON/ BENEFICIAL OWNER DETAIL (Please fill separate KYC page and FATCA / CRS declaration form for each Individual /Related Person) Related Person Type Director Promotor Karta Trustee Partner Proprietor Authorised Signatory Court Appointed Official Beneficiary Other ______Whether Sr. Name Customer ID (for existing customer) CKYC Number (if any existing) beneficial owner 1 2 3

PAGE 1 6. PAYMENT DETAILS FOR OPENING ACCOUNT Amount(Rs)______Cash Debit SB/CA/OD A/c Number Cheque No. ______,Date ______, Drawn on ______, Bank______, Branch______7. ESTIMATED TOTAL INCOME AND NET WORTH Estimated Annual Income (In Rs.) Upto 1 lac 1 to 5 lacs 5 to 10 lacs 10 to 25 lacs Above 25 lacs

Net worth (In Rs.) Upto 10 lacs Above 10 lacs to 1 Crore Above 1 crore to 5 crore Above 5 crore 8. EXPECTED TURNOVER IN ACCOUNT AND THRESHOLD TRANSACTION LIMITS (PLEASE SPECIFY) Expected Level of Turnover in Account per month : ______Expected Threshold Value Transactions Cash Clearing Transfer Debit (Rs.) Credit (Rs.) 9. FACILITIES REQUIRED* ATM cum Debit Card (Only for Individual/proprietor) Yes No Name to be printed on card • Cheque book Yes No | Internet banking Yes No Mobile Banking Yes No • E-statement to be sent to my /our email-id

• Mobile Number to be registered * * Mobile registration will link to SMS alert facility • In case of no mobile no., specify reason Don’t have mobile Others______10. NOMINATION REQUIRED (Applicable for individual and proprietor accounts) Yes No If yes: Please complete nomination details 11. MANDATE FOR ACCOUNT OPERATION Self Proprietor Any one partner / Trustee / Director By Karta (HUF) Jointly by all Any two jointly As per resolution As per Letter of Authority Others (specify) 12. DECLARATION & UNDERTAKING a. I/We conﬁrm having received, read and understood the Most Important Terms and Conditions and hereby agree to be governed by them for the accounts which I/we am/ are opening with Dena bank along with the amendments from time to time on various services. b. I/We accept and agree to be bound by the said terms and conditions stated above including those which are limiting the Banks liability . c. I/We understand that the Banks at its sole discretion amend or discontinue any services completely or partially without any notice to me/us. d. I/We agree that the Bank may debit my account for service charges as applicable from time to time. e. I/We also declare that the authorisations and declarations given by me/us to the Bank herein are out of my/our free will with full knowledge and awareness. f. I/We hereby declare that the information furnished above and also in the personal information form is true and correct to my best of my/our knowledge. g. I/We authorise the Bank/their representatives to verify the details given in these forms for due diligence. I. SMS alerts will be on chargable basis. j. I/We conﬁrm that I/we do not have any existing customer ID / customer ID apart from the one mentioned. In case found otherwise, Bank reserves right to consolidate the customer IDs as it may decide, without prior notice to me/us. k. I/We hereby give consent for accessing my/our credit report from CIBIL or other agencies based on information provided by me/us. l. My/Our personal KYC details may be shared with Central KYC Registry. I/We hereby consent to receiving information from Central KYC Registry through SMS/Email on the above registered number/email address. m. I/We would like to avail of Instant Credit Facility up to Rs. 20,000 in my/our account. In the event of return of cheque/s, I/We undertake to immediately provide the funds against the dishonored cheque/s along with the applicable interest for the respective period. n. I/We Declare that I/We do not have credit facilities / current account/s with other bank/s or other branches of your Bank. I/We undertake to inform you in writing as soon as any credit facility is availed of by me/us from any other Bank / Branch of your Bank. I/We have credit facilities / Current accounts with other bank/s or other branches of your bank. (Please attach details of such facilities separately) Name of bank & branch Account No. Nature of Facility Amount

SIGNATURE ( USE BLACK INK ONLY)

F I R S T F S E C O N D F T H I R D N A M E N A M E N A M E

Paste (never staple) Paste (never staple) Paste (never staple) passport size photo and passport size photo and passport size photo and sign across it and also in sign across it and also in sign across it and also in the box provided below. the box provided below. the box provided below. Branch Round stamp to Branch Round stamp to Branch Round stamp to be affixed on the corner be affixed on the corner be affixed on the corner of pasted photo of pasted photo of pasted photo

Signature Signature Signature

FOR BANK USE I hereby confirm that, The account opening form is properly filled and I have completed due diligence as prescribed by bank & complied with all KYC/ AML requirement. The information furnished by the applicant/s has been properly entered in the system by us and applicant/s has / have signed in my / our presence and KYC Verification has been done by us as per Bank guidelines. FATCA declaration has been obtained for individual / entity as per circular. The CRILC and CIBIL iScan verification has been done and NOC from existing banker has been obtained in applicable cases. The business unit has been visited by our officer Mr./ Ms.______and the report is found satisfactory. Account Risk Rating High Medium Low Signature of Bank Official Date : ______P.A. No. ______HRMS ID ______

PAGE 2 TO BE SUBMITTED FOR EACH INDIVIDUAL/RELATED PERSON KNOW YOUR CUSTOMER (KYC) | INDIVIDUAL / RELATED PERSON

For office use only Application Type* New Update CKYC Number (Mandatory for KYC update request) 1. DETAILS OF INDIVIDUAL/RELATED PERSON* Addition of Related Person Deletion of Related Person Update Related Person details CKYC Number of Related Person (if available*) ( If CKYC number is available, only ‘Related Person Type’ and ‘Name’ is mandatory) Related Person Type* Individual Director (DIN) Promoter Karta Trustee Partner (DPIN) Proprietor Authorised Signatory Court Appointed Official Beneficiary 1.1 PERSONAL DETAILS Prefix First Name Middle Name Last Name Name* (Same as ID proof) Maiden Name (If any*) Father / Spouse Name* Mother Name* Date of Birth* D D M M Y E A R Gender* M- Male F- Female T-Transgender Other Marital Status* Married Unmarried Others Nationality* IN- Indian Others Residential Status* Resident Individual Non Resident Indian Foreign National Person of Indian Origin Customer Type Sr. Citizen Pensioner Blind Illitrate Staff/Ex- Staff-(Employee No.- ) Others Category GN SC ST OBC OTH Religion Education Under Graduate Graduate Post Graduate Doctorate Professional Diffrently Abled Yes No Politically Exposed Person Yes No Occupation Type* S-Service (Private Sector Public Sector Government Sector ) O-Others Professional Self Employed Retired Housewife Student) B-Business X-Not Categorised Estimated Annual Income Upto Rs 1 lac Rs 1 to 5 lacs Rs 5 to 10 lacs Rs 10 to 25 lacs Above Rs 25 lacs Net worth Upto Rs 10 lacs Above Rs 10 lacs to 1 Crore Above Rs 1 crore to 5 crore Above Rs 5 crore Expected Turnover per month Upto Rs 10 lacs Above Rs 10 lacs to 1 Crore Above Rs 1 crore to 5 crore Above Rs 5 crore Country of Jurisdiction of Residence* TIN or equivalent (If issued by jurisdiction)* Place / City of Birth* Country of Birth*

1.2 PROOF OF IDENTITY [Pol] OF RELATED PERSON* (Certiﬁed copy of Proof Identity [Pol] needs to be submitted) *Mandatory if Eligible

A- Passport Number Passport Expiry Date D D M M Y E A R B- Voter ID Card C- PAN Card* D- Driving Licence Driving Licence Expiry Date D D M M Y E A R E - UID (Aadhaar)* F- NREGA Job Card Z- Others (any document notified by the central government) Identification Number 1.3 PROOF OF ADDRESS(PoA)* (Certified copy of any one of the following Proof of Address [PoA] needs to be submitted) 1.3.1 CURRENT / PERMANENT / OVERSEAS ADDRESS DETAILS Email ID Address Type* Residential / Business Residential Business Registered Office Unspecified Proof of Address* Passport Driving Licence UID (Aadhaar) Voter Identity Card NREGA Job Card Others Line 1* Line 2 City / Town / Village* State / U.T* Pin / Post Code* Country Tel. Mobile

1.4 CORRESPONDENCE / LOCAL ADDRESS DETAILS* (To be given only if different from the above) 1.4.1 CURRENT / PERMANENT / OVERSEAS ADDRESS DETAILS Email ID Address Type* Residential / Business Residential Business Registered Ofﬁce Unspeciﬁed Proof of Address* Passport Driving Licence UID (Aadhaar) Voter Identity Card NREGA Job Card Others Line 1* Line 2 City / Town / Village* State / U.T* Pin / Post Code* Country Tel. Mobile

1.5 ADDRESS IN THE JURISDICTION WHERE ENTITY IS RESIDENT OUTSIDE INDIA FOR TAX PURPOSES* / 2nd CORRESPONDENCE / LOCAL ADDRESS DETAILS 1.5.1 CURRENT / PERMANENT / OVERSEAS ADDRESS DETAILS Email ID Address Type* Residential / Business Residential Business Registered Ofﬁce Unspeciﬁed Proof of Address* Passport Driving Licence UID (Aadhaar) Voter Identity Card NREGA Job Card Others Line 1* Line 2 City / Town / Village* State / U.T* Pin / Post Code* Country Tel. Mobile

PAGE 3 TO BE SUBMITTED FOR EACH INDIVIDUAL/RELATED PERSON 2.1 DECLATAION OF WITNESS IN THE CASE OF BLIND/ ILLTERATE PERSON’S ACCOUNT : Rules and most important terms and conditions relating to the type of the account and contents in the account opening form were read out to the Applicant/s in______language and he/she/they have conﬁrmed that he/she/they have understood the contents and has / have agreed to abide by the said. Name of Witness 1.______2. ______Address of Witness1.______2. ______Signature of Witness Signature of Witness Date: ______Place:______

FATCA/CRS Declaration Form Name of Customer CUST ID

PART I- PLEASE FILL IN THE COUNTRY FOR EACH OF THE FOLLOWING: Country of: Birth: Country of: Citizenship:

Country of: Residence for Tax Purposes: US Person: Yes No

PART II- PLEASE NOTE: a. If in all fields above, the country mentioned by you is India and if you do not have US person status, please proceed to Part III for signature. b. If for any of the above field, the country mentioned by you is not India and/or if your US person status is Yes,please provide the Tax Payer Identification Number (TIN) or functional equivalent as issued in the specific country in the table below: TIN: Country of Issue: TIN: Country of Issue: a. In case any of the parameters in Part I indicates that you are a US person or a person resident outside of India for tax purpose and you do not have Taxpayer Identification Numbers/functional equivalent, please complete and sign the Self-Certification section given in Part IV. b. In case you are declaring US person status as ‘No’but your Country of Birth is US, please provide document evidencing relinquishment of Citizenship. If not available provide reasons for not having relinquishment certificate. Please also fill Part IV Self-Certification. PART III- CUSTOMER DECLARATION (APPLICABLE FOR ALL CUSTOMERS) (i) Under penalty of perjury, I/we certify that: 1. The applicant is (i) an applicant taxable as a US person under the laws of the United States of America(“U.S.”) or any state or political subdivision thereof or therein, including the District of Columbia or any other states of the U.S., (ii) an estate the income of which is subject to U.S. federal income tax regardless of the source thereof. (This clause is applicable only if the account holder is identified as a US person) 2. The applicant is (i) An applicant taxable as a tax resident under the laws of country outside India. (This clause is applicable only if the account holder is a tax resident outside of India) (ii) I/We understand that the Bank is relying on this information for the purpose of determining the status of the applicant named above in compliance with FATCA/ CRS. The Bank is not able to offer any tax advice on CRS or FATCA or its impact on the applicant. I/we shall seek advice from professional tax advisor for any tax questions. (iii) I/We agree to submit a new form within 30 days if any information or certification on this form becomes incorrect. (iv) I/We agree that as may be required by domestic regulators/tax authorities the Bank may also be required to report, reportable details to CBDT or close or suspend my account. (v) I/ We certify that I/we provide the information on this form and to the best of my/our knowledge and belief the certification is true, correct, and complete including the taxpayer identification number of the applicant.

Signature :

Name : Date (DD/MM/YYYY):

PART IV- SELF-CERTIFICATION: To be ﬁlled only if- (a) Name of the country in Part I is other than India and TIN or functional equivalent is not available, or (b) US person is mentioned as Yes in Part I, and TIN is not available I conﬁrm that I am neither a US person nor a resident for Tax purpose in any country other than India, though one or more parameters suggest my relation with the country outside India. Therefore, I am providing the following Signature document as proof of my citizenship and residency in India. Document Proof submitted (Pls tick document being submitted) Passport Election ID Card PAN Card Driving License UIDAI Letter NREGA Job Card Govt Issued ID Card FORM DA-1 (Nomination for account) Nomination under Sec 45Z. Of the Banking Regulation Act, 1949 and Rule2(I) of Banking Companies (Nomination Rules, 1985, in respect of Bank Deposits) I /We ______nominate the following person to whom in the event of my/our/ minor’s death the amount deposit in the above account particulars whereof are given below may be paid by the Dena Bank ______Branch. Account Number Additional details, if any: ______Details of NOMINEE (In the case of Individual/Proprietor) Name of Nominee ______Relationship with Depositor ______Date of Birth (if Minor) ______Address of Nominee is ______CITY ______PINCODE As nominee is minor on this date, I/we appoint Mr./Mrs. ______(Relation______Age ______years. Address ______to receive the amount of deposit in the account on behalf of the nominee in the event of my/our/minor’s death during the minority of the nominee. Date: D D M M Y E A R Signature of the Applicant Place: Name of 1st Witness : Name of 2nd Witness : Address of 1st witness: Address of 2nd witness:

Signature /Thumb Impression of 1st witness Signature /Thumb Impression of 2nd witness

(To be attested by two witnesses in case of Thumb impression of Applicant/s) For Bank use Cust-ID of Nominee, if available Signature of Bank Official Nomination as above registered and its Serial No. is ______ATTESTATION / FOR OFFICE USE ONLY Documents Received Self-Certified True Copies Notary Risk Category High Medium Low IN PERSON VERIFICATION CARRIED OUT BY Identity Verification Done Date D D M M Y E A R Emp. Designation Emp. Name HRMS ID [Employee Signature]

PAGE 4 Annexure 1 TO BE SUBMITTED IN CASE OF LEGAL ENTITY SELF- CERTIFICATION FOR ENTITIES PART I A. Is the account holder a Government body/ International organization/listed company on recognized stock exchange Yes No If “No”, then proceed to point B, If “yes” please specify name of stock exchange, if you are listed company ______, and proceed to sign the declaration B. Is the account holder a (Entity/Financial Institution) tax resident of any country other than India Yes No If “yes”, then please fill FATCA/ CRS Self certification Form, If “No”, proceed to point C C. Is the account holder an Indian Financial Institution Yes No If “yes”, please provide your GIIN, if any ______If “No”, proceed to point D D. Are the Substantial owners or controlling persons in the entity or chain of ownership resident for tax Yes No purpose in any country outside India or not an Indian citizen If “yes”, (then please fill FATCA/ CRS self-certification form). If “No”, proceed to sign the declaration CUSTOMER DECLARATION Under penalty of perjury, I/we certify that: 1 The applicant is: (i) An applicant taxable as a US person under the laws of the United States of America (“U.S.”) or any state or political subdivision thereof or therein, including the District of Columbia or any other states of the U.S., (ii) An estate the income of which is subject to U.S. federal income tax regardless of the source thereof. (This clause is applicable only if the account holder is identified as a US person) 2 The applicant is (i) An applicant taxable as a tax resident under the laws of country outside India. (ii) I/We understand that the Bank is relying on this information for the purpose of determining the status of the applicant named above in compliance with FATCA/CRS. The Bank is not able to offer any tax advice on FATCA/CRS or its impact on the applicant. I/we shall seek advice from professional tax advisor for any tax questions. (iii) I/We agree to submit a new form within 30 days if any information or certification on this form becomes incorrect. (iv) I/We agree that as may be required by domestic regulators/tax authorities the Bank may also be required to report, reportable details to CBDT or close or suspend my account. (v) I/We certify that I/we provide the information on this form and to the best of my/our knowledge and belief the certification is true, correct, and complete including the taxpayer, identification number of the applicant.

Date : ______Signature 1 Signature 2 Signature 3 PART - II Self-Certification Form(Entity) for Foreign Account Tax Compliance Act(“FATCA”) and Common Reporting Standards(CRS) Section 1: Entity Information Name of Entity Customer id (if existing) Entity Constitution Type (Refer Appendix 2) Entity Identification type (Refer Appendix 2) T G C E O Entity Identification No (based on Entity Identification type) Entity Identification issuing country Country of Residence for tax purpose Section 2: Classification of Non-Financial Entities I/We (on behalf of the entity) certify that the entity is: a. An entity incorporated and taxable in US (Specified US person) Yes No If “Yes”, please provide your U.S. Taxpayer Identification Number (TIN) TIN

b. An entity incorporated and taxable outside of India (other than US) Yes No If “Yes”, please provide your TIN or its functional equivalent TIN

Provide your TIN issuing country ______c. Please provide the following additional details if you are not a Specified US Person : FATCA / CRS classification for Non-financial entities (NFFE) Active NFFE Passive NFFE without any controlling Person(s): Passive NFFE with controlling Person(s): US Others Direct Reporting NFFE (Choose this if any entity has registered itself for direct reporting for FATCA and thus bank is not required to do the reporting) Please provide GIIN number: ______SECTION 3 : CLASSIFICATION OF FINANCIAL INSTITUTIONS (INCLUDING BANKS) I/We (on behalf of the entity) certify that the entity is : a. An entity is a U.S. financial institution Yes No If “Yes”, (i) Please provide your Taxpayer Identification Number (TIN) (ii) Please provide GIIN, if any ______If “No”, please tick one of the following boxes below: FATCA CLASSIFICATION PLEASE PROVIDE THE gLOBAL INTERMEDIARY IDENTIFICATION NUMBER(gIIN) OR OTHER INFORMATION WHERE APPLICABLE

Reporting Foreign Financial Institution in a Model 1 Inter-Governmental Agreement (“IGA”) Jurisdiction Reporting Foreign Financial Institution in a Model 2 IGA Jurisdiction Participating FFI in a Non-IGA Jurisdiction Non-reporting FI Non-Participating FI Owner-Documented FI with speciﬁed US owners

PAGE 5 SECTION 4: CONTROLLING PERSON DECLARATION If you are classiﬁed as “Passive NFFE with Controlling Person(s)” or “Owner documented FFI” or “Speciﬁed US person”, please provide the following details: Name of Controlling Correspondence Country of Residence for tax TIN TIN Issuing Country Controlling Person Person Address purpose Type

Details Controlling Person 1 Controlling Person 2 Controlling Person Controlling Person 4 Controlling Person 5 3 Identification Type (Refer Appendix 2) Identification Number (Refer Appendix 2) Occupation Type (Refer Appendix 2) Occupation Birth Date Nationality Country of Birth SECTION 5: DECLARATION I. Under penalty of perjury, I/we certify that: 1. The Number shown on this form is the correct taxpayer identification number of the applicant, and 2. The applicant is (i) an applicant taxable as a US person under the laws of the United States of America (“U.S.”) or any state or political subdivision thereof or therein, including the District of Columbia or any other states of the U.S., (ii) an estate the income of which is subject to U.S. federal income tax regardless of the source thereof, or 3. The applicant is an applicant taxable as a tax resident under the laws of country outside India. ii. I/We understand that the Bank is relying on this information for the purpose of determining the status of the applicant named above in compliance with CRS/FATCA. The Bank is not able to offer any tax advice on CRS or FATCA or its impact on the applicant. I/we shall seek advice from professional tax advisor for any tax questions. iii. I/We agree to submit a new form within 30 days if any information or certification on this form gets changed. iv. I/ We agree as may be required by Regulatory authorities, bank shall be required to comply to report, reportable details to CBDT or close or suspend my account. v. I/We certify that I/we provide the information on this form and to the best of my/our knowledge and belief the certification is true, correct and complete including the tax payer identification number of the applicant. I/We hereby confirm that details provided are accurate, correct and complete Name: ______Authorized Signatories Date: D D M M Y E A R

INSTRUCTIONS

APPENDIX 1 - CLARIFICATION / GUIDELINES FOR US REPORTABLE / OTHER REPORTABLE TYPE US Reportable Other Reportable F1 - Owner-Documented FI with specified US owner(s) C1 - Passive Non-Financial Entity with-one or more controlling person that is a Reportable Person F2 - Passive Non-Financial Entity with substantial US owner(s) C2 - Other Reportable Person F3 - Non-Participating FFI C3 - Passive Non-Financial Entity that is a CRS Reportable F4 - Specified US Person XX - Not Applicable F5 - Direct Reporting NFFE XX - Not Applicable APPENDIX 2 – REFERENCE CODES Entity Constitution Type A - Sole Proprietorship D - Private Limited Company G- AOP/BOI B - Partnership Firm E- Public Limited Company H – Trust C – HUF F- Society I – Liquidator J– Limited Liability Partnership K- Artificial Juridical Person Z – Others Entity Identification type T- Tax identification number G- US Global intermediary Identification number O - Other C- Company Identification Number E- Global Entity Identification Number (EIN) Controlling Person Type C01- CP of legal person – ownership C02- CP of legal person – other means C03- CP of legal person – senior managing official C04- CP of legal arrangement – trust- settlor C05 – CP of legal arrangement – trust – trustee C06 – CP of legal arrangement – trust - protector C07 – CP of legal arrangement – trust- beneficiary C08 – CP of legal arrangement – trust – other C09 – CP of legal arrangement – other- settlor equivalent C10 – CP of legal arrangement – other- trustee equivalent C11 – CP of legal arrangement – other- protector C12 – CP of legal arrangement – other- beneficiary equivalent equivalent C13 – CP of legal arrangement – other – other equivalent C14 - Unknown Controlling person identification type A-Passport C-Pan card H- NREGA job card B-Election ID card D-ID Card Z-Others E-Driving License G-UIDAI Letter X-Not categorised Controlling person occupation type S- Service O- Others X- Not categorised B- Business

Note- Please consult your professional tax advisor for further guidance on FATCA-CRS clariﬁcation. PAGE 6 Annexure 2 DETAILS FOR TERM DEPOSIT Sr. Name Cust ID (for existing customer) C KYC Number (if any existing) 1 2 3 Instructions for Term Deposit(TD) Recurring Deposit (RD) Type of Term Deposit Amount of Deposit /Monthly Installment in Rs. TENURE INTEREST PAYOUT (please  the box)

Years Months Days Monthly Qtrly Half Yearly Yearly On Maturity Fixed Deposit

Cumulative Dep.(SDR) NA NA NA NA

Recurring Deposit NA NA NA NA NA

Payment Details For Opening Of Account

Amount (RS)______Cash Debit SB/ CA AC No.

Cheque No ______Date ______Bank ______Branch ______

Mandate For Account Operation

Proprietor Any one partner / Trustee / Director By Karta (HUF) Jointly by all

Any two jointly As per resolution As per Letter of Authority Others (specify)

Maturity Instructions

Renew Principal & Interest for _ year (s) _ month (s) _ days

Renew Principal for _ year (s) _ month (s) _ days

Pay Principal/Interest/both to account No Issue Demand Draft Other(pls specify)______I/We authorize you to allow me/ us overdraft facility upto 90% of the principal amount subject to the terms and conditions applicable under Dena Freedom Deposit Scheme

Tax Deduction at Source (TDS) (For TD/RD Accounts)

PAN No. (Copy enclosed/already submitted) TDS Exemption Yes No

Documents submited for exemption of TDS Form 15G Form 15H Tax exemption Certiﬁcate

I / We undertake to submit Form 15G/15H at beginning of each ﬁnancial year. In case of non-submission of above,the Bank may deduct TDS as per rules.

Nomination Yes,/I / We wish to nominate (Fill DA-1 form attached) No, I/ We declare I / We do not need nomination. Whether nominee name should be printed in Passbook / Term Deposit Receipt ? YES NO Declaration: All other information provided by me/us in the account opening form.

Specimen Signature (Use BLACK INK Only) and Operating

F I R S T S E C O N D T H I R D N A M E N A M E N A M E

Signature 1st applicant Signature 2nd applicant Signature 3rd applicant

It is in interest of the Term Deposit account holders to also maintain Savings/Current account with the Bank to facilitate smooth disbursement of interest or payment of proceeds on term deposits.

For Bank Use Account sourced by Business Correspondent/Buiness Facilitator- Yes/No, if yes Code No. of BC/BF______It is confirmed that information furnished by the applicants has been properly entered in the system by us. Applicant has signed in my presence. Further confirmed that KYC verification has been done

by us as per Bank guidelines. Signature of Bank ofﬁcial HRMS ID______P.A. No.______Date ______

PAGE 7 Annexure-3 TO BE SUBMITTED FOR EACH CONTROLLING PERSON RESIDENT OUTSIDE INDIA FOR TAX PURPOSE KNOW YOUR CUSTOMER (KYC) | INDIVIDUAL / CONTROLLING PERSON For office use only Application Type* New Update CKYC Number (Mandatory for KYC update request) 1. DETAILS OF INDIVIDUAL / CONTROLLING PERSON* Addition of Controlling Person Deletion of Controlling Person Update Controlling Person details CKYC Number of Controlling Person (if available*) Type of control* In case of Legal Person Ownership Other Means Senior Managing Officials In case of Trust Settlor Trustee Protector Beneficiary Other In case of Other Legal arrangement Settlor-Equivalent Trustee-Equivalent Protector-Equivalent Beneficiary -Equivalent Other-quivalent 1.1 PERSONAL DETAILS Prefix First Name Middle Name Last Name Name* (Same as ID proof) Maiden Name (If any*) Father / Spouse Name* Mother Name* Date of Birth* D D M M Y E A R Gender* M- Male F- Female T-Transgender Marital Status* Married Unmarried Others Nationality* IN- Indian Others Residential Status* Resident Individual Non Resident Indian Foreign National Person of Indian Origin Customer Type Sr. Citizen Pensioner Blind Illitrate Staff / Ex-Staff Others Category GN SC ST OBC OTH Religion Education Under Graduate Graduate Post Graduate Doctorate Professional Diffrently Abled Yes No Politically Exposed Person Yes No Occupation Type* S-Service (Private Sector Public Sector Government Sector ) O-Others Professional Self Employed Retired Housewife Student) B-Business X-Not Categorised Estimated Annual Income Upto Rs 1 lac Rs 1 to 5 lacs Rs 5 to 10 lacs Rs 10 to 25 lacs Above Rs 25 lacs Net worth Upto Rs 10 lacs Above Rs 10 lacs to 1 Crore Above Rs 1 crore to 5 crore Above Rs 5 crore Expected Turnover per month Upto Rs 10 lacs Above Rs 10 lacs to 1 Crore Above Rs 1 crore to 5 crore Above Rs 5 crore Country of Jurisdiction of Residence* TIN or equivalent (If issued by jurisdiction)* Place / City of Birth* Country of Birth*

1.1 PROOF OF IDENTITY [Pol] OF CONTROLLING PERSON* (Certiﬁed copy of Proof Identity [Pol] needs to be submitted)

A- Passport Number Passport Expiry Date D D M M Y E A R B- Voter ID Card C- PAN Card D- Driving Licence Driving Licence Expiry Date D D M M Y E A R E- UID (Aadhaar) F- NREGA Job Card Z- Others (any document notified by the central government) Identification Number 1.1 PROOF OF ADDRESS(PoA)* (Certified copy of any one of the following Proof of Address [PoA] needs to be submitted) 1.3.1 CURRENT / PERMANENT / OVERSEAS ADDRESS DETAILS Address Type* Residential / Business Residential Business Registered Office Unspecified Proof of Address* Passport Driving Licence UID (Aadhaar) Voter Identity Card NREGA Job Card Others Line 1* Line 2 Line 3 City / Town / Village* State / U.T* Pin / Post Code* Country* Tel. Mobile Email ID

2. APPLICANT DECLARATION I/We hereby declare that the details furnished above are true and correct to the best of my/our knowledge and belief and I/we undertake to inform you of any changes therein, immediately. In case any of the above information is found to be false or untrue or misleading or misrepresenting, I/we am/are aware that I/we may be held liable for it.  My/Our personal KYC details may be shared with Central KYC Registry Signature / Thumb Impression of Applicant I/We hereby consent to receiving information from Central KYC Registry through SMS/Email on the above registered number/email Date : D D M M Y E A R Place : ______2.1 DECLATAION OF WITNESS IN THE CASE OF BLIND/ ILLTERATE PERSON’S ACCOUNT : Rules and most important terms and conditions relating to the type of the account and contents in the account opening form were read out to the Applicant/s in______language and he/she/they have confirmed that he/she/they have understood the contents and has / have agreed to abide by the said. Name of Witness ______Address of Witness______Signature of Guardian Date: ______Place:______ATTENSATION / FOR OFFICE USE ONLY Documents Received Self-Certified True Copies Notary Risk Category High Medium Low IN PERSON VERIFICATION CARRIED OUT BY Identity Verification Done Date D D M M Y E A R Emp. Designation Emp. Name HRMS ID [Employee Signature]

PAGE 8 ILLUSTRATIVE DECLARATION FOR ACCOUNTS INDIVIDUALS : I request and authorise you to honour all cheques, Bills of Exchange, Promissory Notes and others, drawn, accepted or made on the said account by me whether the account be in credit or overdrawn. Signature Date: PROPRIETARY FIRM : I declare that I am the sole proprietor of the said firm and request and authorise you to honour all cheques, Bills of Exchange, Promissory Notes and other order drawn, accepted or made by me, in the name of my firm on said account, whether the account be in credit or overdrawn. I shall be solely responsible for all liabilities of my said firm to the Bank. I agree that the bank may recover its claims from my personal assets as well as from the assets of my said firm M/s. ______. Further whenever any change occurs in constitution of the firm, I undertake to inform the bank of the said in writing. I shall, however, continue to be personally liable for all dues of my said firm to the bank until I receive from the bank an acknowledgement of my letter and until all my liabilities to the bank as on the date of the receipt of such notice by the bank, are fully satisfied.

Signature Date: PARTNERSHIP FIRM : We are partners in the said firm and we request and authorize you until any notice in writing to the contrary is given to you by either/any of us, to honour all cheques, Bills of Exchange, Promissory Notes and other orders, drawn, accepted or made on behalf and in the name of the said firm by ______and to act any instructions so given relating to the account, whether the account be in credit or overdrawn. In the event of any such notice, the account will be operated by both/all us partners jointly. As far as endorsement on cheques, Bills, Notes and other orders are concerned; they will be made by either/any one of us on behalf and in the name of our said firm. Further whenever any change occurs in constitution of the firm, I/We undertake to inform the bank of the said in writing. I/We shall, however, continue to be personally liable for all dues of my/our said firm to the bank until I/We receive from the bank an acknowledgement of my/our letter and until all my/our liabilities to the bank as on the date of the receipt of such notice by the bank, are fully satisfied.

Date: Partner Partner Partner JOINT FAMILY/ HUF : We request and authorise you until any notice in writing to the contrary is given to you by either/any of us, to honour all cheques, Bills of exchange, Promissory Notes and other orders drawn, accepted or made on behalf of the said Joint Family / HUF by ______and to act on any Instructions so given relating to the account whether account be In credit or overdrawn In the event of any such notice, the account will be operated by both/all of us coparceners jointly. As far as endorsement on cheques, Bills, Notes and other orders are concerned, they will be made by either/any of us on behalf of our said joint family / HUF. Further whenever any change occurs in the HUF, I undertake to inform the bank of the said in writing. I shall, however, continue to be personally liable for all dues of my said firm to the bank and until I receive from the bank an acknowledgement of my letter and until all my liabilities to the bank as on the date of the receipt of such notice by the bank, are fully satisfied. KARTA / Authorised Signatory Date : JOINT INDIVIDUALS : We request you and authorise you until any notice in writing to the contrary is given to you by either/any of us, to honour all cheques, Bills of Exchange, Promissory Notes, and other orders, drawn accepted or made on the said Account by ______and to act on any instructions so given relating to the account, whether the account be in credit or overdrawn. In the event of such notice, the account will be operated by both / all of us jointly. We shall be jointly and severally liable on all such cheques, Bills of Exchange, Promissory Notes and Orders honoured by you as aforesaid, and for any overdrafts created in our account, together with interest and charges. In the event of death, insolvency or withdrawal of any one or more of us the monies then and thereafter standing at the credit of the said account and/or any securities held by you in our account be at the disposal of the survivor or survivors of us. Whenever any change occurs in the mandate, I/we undertake to inform the bank of the said in writing. I/We shall, however, continue to be personally liable for all dues of my/our said accounts to the bank until I/We receive from the bank an acknowledgement that all my/our liabilities to the bank are fully satisfied.

Authorised Signatory Date: JOINT STOCK COMPANIES : We forward herewith for inspection and return Certificate of incorporation Certificate of commencement of Business We also forward Certified copy of the Memorandum &Articles of Association Certified copy of the Resolution for opening the account with Dena Bank Specimen of the signature of the officials authorised to operate the subject account Certified list of present directors of the company. We undertake to advise the bank in writing of any change in the Article of Association or in the Constitution of the Board of Directors of the Company or of any reconstruction of the company. A copy of the Resolution at the meeting of the Board of Directors of______(Ltd.) held on ______RESOLVED that a Banking Account of the Company to be opened with DENA BANK and that the said Bank be and is hereby authorised to honour all cheques, Bills of Exchange, Promissory Notes and other orders accepted, endorsed or made on behalf of the company by ______and to act on any instructions so given relating to the account whether the account be in credit or overdrawn.

Authorised Signatory Date : TRUST /ASSOCIATION / SOCIETY / CLUB ETC. We forward herewith certified copies of  The Trust Deed / Constitution and Byelaws Certificate of Registration Certified copy of the Resolution for opening the account with Dena Bank.  Specimen of the signatures of the officials authorised to operate the subject Account. List of present Trustees / Office-bearers of the Managing Committee or Governing Body. We undertake to advice the Bank in writing of any change in the constitution and Byelaws of ______or in the composition of the Trustees/Managing Committee / Governing body.

Signature Date:

PAGE 9 DOCUMENTS TO BE OBTAINED (Relevant documents as required from time to time & these are subject to updation as per regulatory guidelines) All the individuals including beneﬁcial owners, authorized signatories or the power of attorney holders who are eligible to obtain Aadhaar number and PAN or Form No.60 are required to provide the same for authentication. All the entities are required to submit beneﬁcial ownership declaration.

Sole Proprietary firms : 1. Identification information containing details of identity and address of the individual (proprietor). 2. In addition to above, any two of the following documents as a proof of business / activity in the name of the proprietary firm* a) Registration certificate b) Certificate/license issued by the Municipal authorities under Shop & Establishment Act. c) Sales and income tax returns d) CST/VAT/GST certificate e) Certificate/registration document issued by Sales Tax/Service Tax/Professional Tax authorities f ) Import Export Code (IEC) issued to the proprietary concern by the office of DGFT / License/certificate of practice issued in the name of the proprietary concern by any professional body incorporated under a statute. g) The complete Income Tax return (not just the acknowledgement) in the name of the sole proprietor where the firm’s income is reflected duly authenticated / acknowledged by the Income Tax Authorities. h) Utility bills (not older than 2 months) such as electricity, water and landline telephone bills in the name of the proprietary concern. "*"In cases it is not possible to furnish two such documents, Banks shall accept only one of those documents as proof of business / activity, it should obtain a contact point verification and collect such other information and clarification as would be required to establish the existence of such firm, and shall confirm and satisfy itself that the business activity has been verified from the address of the proprietary concern”.

Company One certified copy of each of the following documents shall be obtained: a) Certificate of incorporation. b) Certificate of Commencement of business(In case of Public Ltd Co.) c) Memorandum and Articles of Association d) A resolution from the Board of Directors and power of attorney granted to its managers, officers or employees to transact on its behalf. e) Identification information in respect of managers, officers or employees holding an attorney to transact on its behalf with latest photograph.

Partnership firm: One certified copy of each of the following documents shall be obtained: a) Registration certificate. b) Partnership deed. c) Identification information in respect of the person holding an attorney to transact on its behalf with latest photograph. Note: Unregistered trusts/ partnership firms shall be included under the term ‘unincorporated association

HUF: One certiﬁed copy of each of the following documents shall be obtained: a) Joint Family/HUF Declaration Annexure b) Identiﬁcation information in respect of the Karta and coparceners with latest photographs.

Trusts: One certified copy of each of the following documents shall be obtained: a) Registration certificate. b) Trust deed. c) Identification information in respect of the person holding an attorney to transact on its behalf with latest photograph.

For Associations i.e. unincorporated association a) Resolution of the managing body of such association or body of individuals or body of individual i.e. societies or unregistered b) Power of attorney granted to transact on its behalf. c) Identiﬁcation information in respect of person holding an attorney to transact on its behalf with Latest photograph Partnership ﬁrms and d) Such other information required to collectively establish the legal existence of such an association of body of individuals.

Accounts of juridical persons not specifically a) Document showing name of the person authorised to act on behalf of the entity; covered in the earlier part, such as Government b) Identification information for proof of identity and address in respect of the person holding a power of attorney to Departments, socieites, universities and local bodies transact on its behalf and like village panchayats, one certified copy of the c) Such documents as may be required to establish the legal existence of such an entity/juridical person. following doucments shall be obtained: VISIT REPORT (Only for Current Accounts) Name of customer / Entity and constitution: Nature of business: Address and contact details as per Account Opening Form:

Whether premises of Unit is - Owned, Rented, Others Name of person contacted: Relation of the person contacted with account holder: I hereby confirm that I have verified the identity, address and activity of the customer as per the details provided in the Account Opening Form. There is issue with the verification and further visit is required for confirmation. Date and time of the visit: Signature Name of the Visiting Officer: ______Designation______

PAGE 10 ACKNOWLEDGMENT OF ACCOUNT OPENING FORM ACKNOWLEDGMENT OF NOMINATION Received Application form for Customer ID Received Nomination for Customer ID For Account Number For Account Number From :______From :______

Date : D D M M Y E A R Place :______Date : D D M M Y E A R Place :______Signature of Bank Ofﬁcial Signature of Bank Ofﬁcial

P. A. No. P. A. No. MOST IMPORTANT TERMS & CONDITIONS 1. A Current account means there is no restriction on number of withdrawals. 2. In case of Jointly held accounts, communication will be sent to ﬁrst holder of the account. 3. Facility is available to deposit cash at non-home branch and cash deposit machines available at e-smart branches. 4. The service charges for some common services / instructions / defaults like minimum Quarterly Average Balance (QAB) to be maintained, charges for not maintaining QAB, folio charges, standing instruction charges , charges for closure of Account, SMS alert charges , charges for duplicate passbook/statement, cheque leaf charges etc. will be payable as per prevailing rates. However for other charges, the customer should contact the branch / refer to bank's website. 5. Current Account stipulates Quarterly Average balances to be maintained. Quarterly Average Balance is calculated by adding up the balances at the end of every day of quarter (3 months) and dividing it by number of days in the quarter (3 months). Non-maintenance of Quarterly Average balance in the account will attract levy of charges as outlined in the Schedule of charges. No interest is payable on current account. 6. Current Account Customers are provided statement of account once every month. 7. Collection charges in case of outstation cheques will be levied on slab basis on the gross amount. 8. To close the account, a written request stating the reason for closure of account and duly signed by all the account holders should be given. All unused cheque leaves must accompany the request. 9. As per prevailing Reserve Bank of India Guidelines, account would be treated as inoperative/dormant if there are no transactions in the account for over a period of two years. Bank will not levy charge for activation/ non maintenance of minimum balance in inoperative account. 10. The Bank may disclose information about customer’s account, if required or permitted by law, rule or regulations, or at the request of any public or regulatory authority or if such disclosure is required for the purpose of preventing frauds, or in public interest, without speciﬁc consent of the account holder/s. 11. Bank is member of Banking Codes and Standards Board of India (BCSBI), an independent body to promote a good and a fair banking practices in India. All relevant policies including Code of Commitments to Customers are available online at Bank’s website www.denabank.com and are also available at the branches. 12. At present deposits in all Deposit accounts are insured upto Rs 1 lakh in accordance with the terms prescribed by Deposit Insurance and Credit Guarantee Corporation (DICGC). For further details on the deposit insurance provided by DICGC, please visit www.dicgc.org.in. 13. The Bank may not offer facility of electronic transaction, other than ATM cash withdrawals, to customers who do not provide mobile number to the bank. 14. In case of any unauthorised electronic banking transactions if the time taken to report the fraudulent transaction is within 3 working days from the date of receiving the communication then the customer liability would be nil. In case the time is between 4 to 7 working days then The maximum liability for saving accounts and current accounts of individuals and MSMEs with annual average balance ( during 365 days preceding the incidence of fraud) up to Rs 25 lacs would be Rs 10,000, for all other current accounts, it would be Rs 25,000. In case the time of reporting is beyond 7 working days, the customer liability shall be unlimited/ to the extent of transaction.

FOR DEBIT CUM ATM CARDS • Cardholder acknowledges, represents and warrants that the PIN issued to it provides access to the Account and that the Cardholder accepts the sole responsibility for use, confidentiality and protection of the PIN, as well as for all orders and information changes entered in to the Acoount using such PIN. • The Cardholder shall not record the PIN in any form so as to facilitate PIN coming to knowledge of a third party. The Cardholder grants express authority to Dena Bank for carrying out transactions and instructions authenticated by the PIN and shall not revoke the same. Dena Bank has no obligation to verify the authenticity of the transaction instruction sent or purported to have been sent from the Cardholder other than by means of verification at the Cardholder's PIN. • The Cardholder will not hold Dena Bank liable in case at any improper / fraudulent/unauthorized / duplicate / erroneous use of the Card and/or the PIN. • If a Card is lost or stolen or in the event of any unauthorised transaction on the Card, the Card Holder must immediately report the loss/theft to Dena Bank Branch or call at our customer service centre on Toll Free No.18002336427, Tel - 022-26767024/25 (During Office Hours). • The Cardholder will be responsible for all facilities granted by Dena Bank and shall act in good faith in relation to all dealings with the Card and Dena Bank. • The Cardholder agrees that in case he has multiple accounts with Dena Bank, Dena Bank will decide the number of accounts, which will have the Card facility on them. In cash of Cards linked to multiple acoounts, all transactions on Shared Network ATMs and POS Terminal Transactions carried out with Card will be afftected only on the Primary Account. • Dena Bank shall have the absolute discretion to amend or supplement any of the Terms, features and benefit offered on the Card. • The Customer shall be required to refer to all other Terms and Conditions and the schedule of fees put up on website www.denabank.com from time to time.

FOR NET BANKINg • Customer will be issued sign-on and transaction password. Customer is responsible for confidentiality of User ID and password and should not disclose it to anybody else (Not even to any bank representative on phone, email or on any medium ). • The User agrees not to hold Dena Bank liable for any failure to complete the transaction due to wrong entry of password / OTP / delay in transaction / inadequacy of funds in a/c. • In case of Joint Accounts, transaction through internet Banking, shall be available if the mode of operation is indicated as 'Either or Survivor' or 'Anyone or Survivor'. • Dena Bank may withdraw the provision of Internet Banking, wholly or partly, If at any time the amount of deposit falls short of the required minimum as aforesaid and / or I f the service charges remain unpaid, without giving any further notice to the user and / or without incurring any liability or responsibility whatsoever by reason of such withdrawaI. • The user is responsible fer the correctness of information supplied to Dena Bank for use of the Internet Banking or through any other means such as electronic mail or written communication. Dena Bank accepts no liability for the consequences arising out of erroneous information supplied by the user. • Dena Bank may withdraw or terminate the internet Banking anytime either entirely or with reference to a specific service or user, or in case of breach of Terms by the user without a prior notice; or if it learns of the death, bankruptcy or lack of legal capacity of the user. • For the purpose of availing Internet Banking financial transactions, the user should register his/her mobile number and email ID with the Bank. • For payment made towards online bills taxes/e-commerce, the refunds will be processed after due verification of the same with the concerned authority. • In the event of any dispute, Dena Bank's records shall be binding as the conclusive evidence of the transactions, carried out through Internet Banking. Any Request for any service, which is offered as part of Internet Banking shall be binding on the user. For making financial transactions customer has to enter Transaction password and One Time Password (OTP). • The user shall ensure that Internet Banking or any related service is not used for any purpose which is Illegal, improper or which is not authorised under these Terms. • The user hereby acknowledges that he is utilizing the Internet Banking at his own risk. These risk would include Misuse of Password/ PIN, lnternet Frauds, Mistakes and Errors,Transaction Completion, Technological Risks. The Customer shall be required to refer to other terms and conditions put up on website www.denabank.com from time to time.

FOR MOBILE BANKINg • The Customer desirous of using the facility should be either a sole Account holder or authorized to act independently. • Dena Bank has adopted the mode of authentication of the Customer by means of passwords/MPIN or through any other mode of verification as may be stipulated at the discretion of Dena Bank. The customer is solely reponsible to maintain the secrecy and confidentiality of the password/MPIN. The user should know how to operate Mobile Banking Transactions. The guidelines will be available on Bank's Website www.denabank.com or Toll free No. 18002336427. User can acces Bank's Helpdesk through phone or e-mail for necessary guidance/ help at Toll Free No.18002336427 or email address [email protected]. • Queries /Request for Information of payment status related to Mobile Banking transactions (Including IMPS/RTGS/NEFT) / Moble DTH-recharge should be intimated to Dena Bank through e-mail to [email protected] • The Customer is also responsible for the accuracy and authenticity of the Instructions provided to Dena Bank and the same shall be considered to be sufficient for availing of the service under the facility. • The Customer shall be required to refer to other terms and conditions put up on website www.denabank.com from time to time.

PAGE 11 Account No ______Customer ID ______The customer is advised to refer prevailing service CHARGES displayed on Bank website www.denabank.com, notice boards or may contact the branch. The CHARGES prevailing as on July 2017 are as under. All CHARGES are exdusive of GST. GST as applicable will be charged. MINIMUM QUARTERLY AVERAGE BALANCE (QAB) AND CHARGES FOR NOT MAINTAINING QAB Centres/ Savings Account Current Accounts Shortfall in QAB Slab of CHARGES to be levied Category Upto 25% 25% of Rs 150/- Minimum QAB to ba maintained CHARGES for not maintaining Minimum QAB to CHARGES for not maintaining minimum QAB be maintained minimum QAB* More than 25% to 50% 50% of Rs 150/- With cheque book Without cheque Rs 100/- per day for days when More than 50% to 75% 75% of Rs 150/- facility book facility debit transaction is there and More than 75% 100% of Rs 150/- Metro / Urban Rs 1000/- Rs 500/- Proportionate to the shortfall Rs 5000/- min. QAB amount is not main- *At the end of each quarter the calculation of QAB will be calculated by system in QAB.Calculalion is described* tained and Rs 250 per quarter and wherever the shortfall will be observed, an SMS will be sent on registered Semi Urban/Rural Rs 500/- NIL NIL Rs 3000/- SU will be charged, if the account mobile number. After expiry of 30 days (i.e. at the end of next month of the Rs. 1000/- Rural is not restored to minimum QAB Amount.@ @- if the account is preceding quarter), system will calculate the average balance of 4 months not maintaining min. QAB amt. and verify whether minimum QAB is restored. If min. QAB is not restored the for 2 years and above the ac- following CHARGES will be levied proportionate to shortfall in minimum QAB. count may be closed after giving notice to customer @If the account is not maintaining min. Quarterly Average Balance amount for 2 years and above the account may be closed by the Bank after giving notice to the customer. CHARGES FOR DUPLICATE STATEMENT / PASSBOOK CHEQUE LEAF CHARGES (25 leaves per calender year free for SB Account) Centres/Category Entries upto 12 months Entries more than 12 months Personalised Cheque Personalised Cheque Non-Personalised Cheque Saving Account Rs.150/- Rs. 2 per entry (Min. Rs. Rs. 100 per cheque book of 20 Leaves Rs. 3 per leaf 150/-, Max. 5000/-) Current Account Rs.150/- per month Rs.2.50 per entry Rs 250/- per cheque book of 25 leaves. Rs.5 per leaf (Max Rs 900/-) (Min. Rs 900/- , Max s 10000/-) Rs. 500/- per cheque book of 100 leaves LEDGER FOLIO CHARES Saving Accounts - NIL, Current Accounts - Rs.100/- per 40 entries per quarter. | Stop Payment Charges - Rs 200/- per cheque leaf (Max Rs 1000/- per request)

CHARGES FOR DISHONOUR OF BILLS AND CHEQUES Outward Cheque / Bills Return Charges Inward Cheque / Bills Return Charges Upto Rs. 10,000/- : Rs. 150, Above Rs. 10,000/- : Rs. 250 Upto Rs. 1,00,000/- : Rs. 150, Above Rs. 1,00,000/- : Rs. 250 CHARGES FOR STANDING INSTRUCTION For Registration of Standing Instructions (SI) Rs 100/- (one time charge) For Execution of Sl Rs 100/- + Remittance charge if applicable For Non Execution of Sl (due to insufficient fund) Rs 100/- per transaction No standing instructions charges will be levied against recovery of installments for RD/Locker rent/ Term loan installments. CHARGES FOR CLOSURE OF ACCOUNT Savings Account Current Account Within 14 days of first credit NIL NIL 15 days to 1 year from first credit in the account Rs 200/- Rs 500/- VARIOUS OTHER CHARGES Charges for availing SMS alert facility per quarter(3 months) Rs. 10/- Per Quarter (Exemption: Missed Call Balance alert, Non financial transactions viz. sending of OTP, promotional messages etc.) Charges for Confirmation / Verification of specimen Signature/Photo Rs 100/- per reference. Charge for Addition / Deletion of Name / Change in address /Mobile No. / email Rs 100/- per occasion. No charge for deletion of name of deceased customer. address etc. Intersol charges for Cash Deposit at local / outstation non base branches Upto Rs 25,000/- per day : NIL Above Rs 25,000/- upto Rs 50,000/- per day : Rs 25/- Above Rs 50,000/- upto Rs. 1,00,000/- per day : Rs 50/- Above Rs 1,00,000/- per day : Rs.100/- Intersol charges for Cash Withdrawal at non base branch (local / outstation) Is restricted to Rs. 50,000/-.(Third party withdrawal not permitted) Upto Rs 25,000/- per day : NIL Above Rs 25,000/- per day : Rs 2 per thousand or part thereof (Min. Rs 50/-) CHARGES ON DEBIT CUM ATM CARD Annual Fee : (For Rupay classic / Visa Silver Debit cards) Joining Charges : First Year Free. Second year onwards Rs.150/- per year (For Platinum debit card) Joining Charges : First Year Free. Second year onwards Rs.200/- per year (For Visa Gold Debit Card ) Joining charges: Rs.500/- every year. Replacement of lost card Classic / Silver / Mudra / Rs.150/- per instance , Platinum - Rs.200/- per instance, Gold Card- Rs.500/- per instance Regeneration of PIN Rs.75/- CARD TYPES AND USAGE Card Type Debit Card - RuPay / VISA Usage at ATMs, Point-of-Sale (POS) Terminals and Online E-commerce Transactions LIMITS ON DEBIT CUM ATM CARDS : TRANSACTION PER DAY

DEBIT CUM ATM CARD DESCRIPTION WITHDRAWAL LIMIT PURCHASE LIMIT DEBIT CUM ATM CARD DESCRIPTION WITHDRAWAL LIMIT PURCHASE LIMIT DENA VISA EMV GOLD DEBIT CARD 50,000.00 150,000.00 RUPAY INTERNATIONAL EMV CARD 20,000.00 25,000.00 DENA VISA SILVER EMV DEBIT CARD 20,000.00 25,000.00 RUPAY EMV INSTA 20,000.00 25,000.00 DENA BANK RUPAY DEBIT CARD 20,000.00 25,000.00 RUPAY PLATINUM INTERNATIONAL EMV CARD 50,000.00 200,000.00 ATM USAGE CHARGES ON DENA BANK ATM: 5 FREE TRANSACTIONS PER MONTH POST WHICH Financial Transaction Rs.25/- per transaction Non Financial Transaction Rs.10/- per transaction ATM USAGE CHARGES ON OTHER BANK'S ATM: FREE TRANSACTIONS PER MONTH METRO ATM -3, NON METRO-5, (FOR SB ACCOUNTS ONLY) POST WHICH Financial Transaction Rs.25/- per transaction Non Financial Transaction Rs.10/- per transaction INTERNATIONAL CASH WITHDRAWAL TRANSACTION WHILE USING DEBIT CARDS INTERNATIONALLY: RS.150/- Retum of Card / PIN due to wrong Rs.100/- Usage of Card inspite of insufﬁcient Rs.22/- address balance (Over and above speciﬁed FREE transactions)

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