Welcome to a whole new world of financial finesse

2. Welcome to a whole new world of financial finesse Presenting Privy League - an exclusive premium banking programthat is earmarked for a privileged few. • Benefits of Personal Banking • Investment Advantage • A desire to experience the finer aspects of life Privy League places you in a league of your own.

3. Banking Privileges With a Kotak Mahindra Bank Account, you enjoy a world class banking experience with exclusive benefits and conveniences to facilitate all of your banking requirements. • ActivMoney - 2-way sweep into Term deposits • Dedicated Service Manager • Free demand drafts & banker’s cheques • Free National Electronic Fund Transfer/RTGS • Free Home Banking • Free At-par, pre carbonated cheque books • Lockers at discounted rates • Gold at preferential rates Privy League offers you key benefits of the Kotak Mahindra Bank account at preferential charges.

4. Privy Advantages • VISA Platinum Debit Card • A wide range of Concierge Services for travel, business, entertainment etc. • Special Privy League website With Privy League you enjoy access to an wide range of solutions for all your financial needs.

5. Investment Advisory:Wide Investment Bouquet • Bank Deposits • Mutual Funds • Bancassurance • Real Estate, Gold and Private Equity • Structured Products • Direct Equity Services Kotak Group offers you a wider range of financial options, under one roof.

6. A Comprehensive Financial Plan The Kotak Private Banking System (KPBS) supports your Relationship Manager in offering you a complete, customized financial plan. • Understanding your financial health • Understanding your financial goals • Planning your investments • Constructing your portfolio • Reviewing and balancing your portfolio  The Privy League program makes a detailed study of your risk profile utilizing a versatile tool known as Risk Profiler. It is reviewed from time to time to better understand your financial risks and suggest the right asset allocation. Privy League offers you a customised financial plan, keeping our financial objectives at its core.

7. Research Kotak Group provides you with concise investment research reports, on your areas of interest, to ensure that you have the knowledge you need to make the right decisions. Our dedicated research desks for Equity Markets, Debt Markets & Foreign Exchange also provide an in-depth analysis in their respective fields. Privy League empowers you to make informed decisions, based on Kotak’s sound research and understanding of the market. *Research reports from the Kotak Mahindra Group are available on request.

8. Ease of Investing Privy League simplifies the process of making investments as well as tracking them • Online investment option across all mutual funds • Invest via Net Banking, Phone Banking or a simple form • One view of your entire portfolio across fund houses • View daily updates via Net Banking • View monthly consolidated physical statement Now investments are just a click or phone call away.

9. Asset Products You can enjoy a wide range of loan products from Kotak group companies including: • Home Loans • Term Loan • Car Finance • ESOP Funding • Over Draft against shares, mutual funds • Personal Loans • Export & Import Finance • Loans against Property • Agricultural Project Funding Privy League offers you access to a wide range of loans with quick processing and preferential treatment.

10. Pricing Advantage. .

11. Privy Advantages • Extend Privy League to your family. • Exclusive invitations to select lifestyle events: movies, premieres, theatrical plays etc. • Access to golf courses & hotel membership. • Privy League Select - your lifestyle magazine. Share and enjoy the Privy League Advantage with your family.

12. Privy Business Banking Asset Proposition for Self Employed Non Professionals

14. Minimum ticket size of Rs 100 lacs and Maximum ticket size of Rs 50 crores + Against 75% - 100% Collateral ( depending on profile / financials ) Basic Eligibility parameters : Self employed Professionals (SEP) , Non professionals ( SENP) & Salaried SENP Profiles : Manufacturers, Traders – Retailers & wholesalers, Service. Individuals & Companies. Minimum Turnover of Rs 2 crores per annum or minimum gross receipts of Rs 25 lakhs for professionals. Minimum business vintage of 3 years. For new business, funding can be done only basis parent / group financials Profile not as per negative area / profile list for the location Parameters

15. Parameters Documents required : • Application form , photograph and KYC documents • Last 3 years IT returns along with audited financials( includes schedules, audit reports and notes to account) along with CA certified projected financials for current year. • Monthly debtors and creditors list along with stock statement for latest 6 months, bank statements for latest 6 months. • MOA (in case of a company) / Partnership deed in case of a partnership firm. • Business profile on letter head of the firm/ company.\ • Collateral related documents

16. Securities & Margins Securities offered can be : First charge on the current assets of the borrower. AND Residential / commercial / Industrial property within geographical limits Fixed Deposits, Government Bonds/debt funds//LIC/NSC/KVP Also, Bank may : Extend charge on properties already existing in our favour to cover the fresh credit limits sanctioned. Take Personal guarantee of the promoter directors/ partners Take Corporate guarantee of the group company/associate company Equitable Mortgage of personal property of the directors / partners Control over cash flows Margins : Range of margins on different kinds of WC assets is between 10% to 40%.

17. Thank You

19. Disclaimers In the preparation of the material contained in this document, Kotak Mahindra Bank Ltd. (”the Bank”) has used information that is publicly available, including information developed in-house. Some of the material used in the document may have been obtained from members/persons other than the Bank and/or its affiliates and which may have been made available to the Bank and/or its affiliates. Information gathered & material used in this document is believed to be from reliable sources. The Bank however does not warrant the accuracy, reasonableness and/or completeness of any information. For data reference to any third party in this material no such party will assume any liability for the same. The Bank and/or any affiliate of the Bank does not in any way through this material solicit any offer for purchase, sale or any financial transaction/commodities/products of any financial instrument dealt in this material. All recipients of this material should, before dealing and/or transacting in any of the products referred to in this material, make their own investigation, seek appropriate professional advice. We have included statements/opinions/recommendations in this document which contain words or phrases such as "will", "expect" "should" and similar expressions or variations of such expressions, that are "forward looking statements". Actual results may differ materially from those suggested by the forward looking statements due to risks or uncertainties associated with our expectations with respect to, but not limited to, exposure to market risks, general economic and political conditions in India and other countries globally, which have an impact on our services and / or investments, the monetary and interest policies of India, inflation, deflation, unanticipated turbulence in interest rates, foreign exchange rates, equity prices or other rates or prices, the performance of the financial markets in India and globally, changes in domestic and foreign laws, regulations and taxes and changes in competition in the industry. By their nature, certain market risk disclosures are only estimates and could be materially different from what actually occurs in the future. As a result, actual future gains or losses could materially differ from those that have been estimated. The Bank (including its affiliates) and any of its officer’s directors, personnel and employees, shall not liable for any loss, damage of any nature, including but not limited to direct, indirect, punitive, special, exemplary, consequential, as also any loss of profit in any way arising from the use of this material in any manner. The recipient alone shall be fully responsible/ are liable for any decision taken on the basis of this material. The investments discussed in this material may not be suitable for all investors. Any person subscribing to or investing in any product/financial instruments should do so on the basis of and after verifying the terms attached to such product/financial instrument. Financial products and instruments are subject to market risks and yields may fluctuate depending on various factors affecting capital/debt markets. Please note that past performance of the financial products and instruments does not necessarily indicate the future prospects and performance thereof. Such past performance may or may not be sustained in future. The Bank (including its affiliates) or its officers, directors, personnel and employees, including persons involved in the preparation or issuance of this material may; (a) from time to time, have long or short positions in, and buy or sell the securities mentioned herein or (b) be engaged in any other transaction involving such securities and earn brokerage or other compensation in the financial instruments/products/commodities discussed herein or act as advisor or lender / borrower in respect of such securities/financial instruments/products/commodities or have other potential conflict of interest with respect to any recommendation and related information and opinions. The said persons may have acted upon and/or in a manner contradictory with the information contained here. No part of this material may be duplicated in whole or in part in any form and or redistributed without the prior written consent of the Bank. This material is strictly confidential to the recipient and should not be reproduced or disseminated to anyone else. The products and features listed in the brochures are only indicative and can be subject to change without any prior notice. Prospective clients & customers are expected to check and confirm the features before signing up for the program. Mutual Fund investments are subject to market risks. Please read the offer document carefully before investing. Insurance is a subject matter of solicitation.