Katnakar Kank & ACCOUNT OPENING FORM For Non - Individual entities 1 i fernin BLOCK LETTERS on THS 5 AMACHINE READABLE FOR AND WILL PASS THROUGH A SCAANER) Ploasefillinall the required detailsin BLOCKLETTER. Tick boxes as applicable. ‘Mandatory Fields Tie hereby request The Ratnakar Bank Ltd to open mylour account at your Branch EEEEEEEE Entity CustomerID New enon “Entity Detail *Name LLLLLI LL Date neorporation FIDDLE — counny ot corporation PANIGIR No. Form 60/61 [] Yes [] No Constitution [] Pareship [] Pivate sd] Sole Proprietorship] Pubes] Public Sector] nur Twst cub] Sesion’) Anvocaion [1] Statutory Body] LP “Industry Type [] Manufacturing [] Construction [] NBFC [] Non Profit Orgeniation [] Micro Enterprises [] oth “Annual Turnover[] 0-5 Lakh (] §-10Lath [] 10-25 Lake [Jastakn-1cr (]t-8cx E] 8-soce [] s0-100c. [] > 100ce Address Line 2 | Address Line | “stato I Contact Details Country Code |_| | | stocede |_| | | | PhoneNoL| | | | | | | J extension! | | | | | Fax No. Email 1D LLL tii Address Line 2 | Address Line 3 | state l Contact Details, courerycode |_| | | sto code |_| | | | Pronewo LLL LL LLL | exension| | LLL | Fox No. Email 1D LLLLILI LI *Detals of Partner/Director/Trustees/Karta/Authoriesed Signatory Name Designation Customer ID No. existing customer) 1 OOOO TT ooo) 2 OOWOOOCT oo) a OOWOOOCT oo) ‘ OOWOOOCT oo) Direct Banking Channel Request [Sms Banking [] Internet Banking [Phone Banking (Debit CaraKatnakar Kank ‘Nature of Account{s) to be open Savings Account Courant Account (Fixed Dopost Flexi Fixed Deposit i Recuring Deposit aaraane *Mode of Operation 1 Singly Jointly [Either or Survivor [1] Former or Survivor [1] As per Board Resolutions [] Others Tatil Payment Details Initia Amount :& Prise |_| | in Words Cl cash Amount E] Cheque No. owes FOI brawn on Bank, Branch Debit to my Rtnakar Bank Ne Branch Code Cheque Book [] Yes [] No ‘stApplicant 2nd Applicant Sed Applicant ath Applicant o o o o Fixed Deposit Details Amount Paise| | | Tenure Months Days “Amount in Words 1 cash Amount []_ cheque No. dated FIDOIDICICIOID drawn on Bank, Branch [] Debit to my Ratnaker Bank Ac Branch Code ‘Nn nano fount opening lt em hn cute shud vi he branch paren ape cin RS rea Interest Payout [] Monthly [] Quarterly [Half Yearly OCalendar Dl Anniversary Freaweney: Dat matury rere Maturity nstritons [Renew Principal Interest] Renew Principal Repay interest [] Do Not Renew Interest/Maturity payment to]. Account Number OR [] DOIPO to Mailing Address Branch Code ‘Swoep-ln Instruction ‘Swoop ni he faiy fling Savings Cran Accauntwith Term Dopoet Account Incase ofnefiient alan, telinkes Term Dope shall ba broken prams on Liarinfnt Otho the ode ofsctup af Senepininaruboel athe equedsmcun shall wate othe Seong! Curet Account Ts fchty alowed Seca Saving Curt Account No ranch Code I wish t avail Over Draft facility in my Savings / Current Account No. against the above mentioned deposit a per the TEC applicable for such facility ‘moderates iosorntarnedchrgFbvecaita heater wich nemenivorcectwabehenadonnteves/oaeedtoyeurCASAAcoot Recurring Deposit Details Monthly Installment Amount ® MATURITY INSTRUCTIONS Amount in Words Payment of Deposit an Maturity by Transfer to Account No, Tenure: |_| | | Months ster date ITIOIOIOIOI | eranen code oR [1] DDIPO to Malling Address ‘Standing Instruction For Recurring Deposit L tWe authorize The Ratnakar Bank 1d. to debit Monthy installment of & {rom mylour Operative Account No. Branch Code Th case othe depsators ol fxedRecuring deposits wih “Ether ot Survive or “Former of Sunivar™ mandala want low premature ‘sthdrwa fhe dopo by one ofthe jit depetors on tha death ofthe oto pace salact [] Yes] No Mineose of Yes lacs provide» spocfe jit mandate rom the all epoutats or he saa purpose (Format/copy available with Branch) ‘Other Bank Det liv We doctaro that We donot enoy any ead facies with any bark] 1/ We declare tht UWe enjoy the flowing ead faci with others banks at prosont chad no objection ceiicates issue by ther banks any facies aval by you rom themKatnakar Kank & ‘Nomination Wewish to make anominationforabove account []Yes No. (Only one individual nominee permitted Form DA 1: As per ABl guidelines, |/ We confirm that I/ ws have bean explained about the benefits of nomination facilty tomy / our bank account by ‘the Ratnakar Bank offical. Howaver,I/ we state that inspite ofthe explanation ofthe said benefits, I/ we do not wish to nominate sny person tothe fsbove mentioned Bank Account, Request you tokindly process my/ our account apaning form without thenemination facilty "Nomination under Section 45 ZA of the Banking Regulation Act, 1949 and Rule 21) of the Banking Companies (Nomination) Rules 1985 in respect of bank deposits We (Name). (Address) nominate the folowing person to whom inthe event of my / our / minor's death the amount of deposit inthe above account, may be returned by “The Ratnakar Bank Lt Nar Acres: Same a primary appcation:C] Heieront fom primary anoliert| | | LLL LLL LIL LEI LE TIL LEI L IIL IIL LIL tit CELE L LL Ee Relationship wih depesto any [] Age Lear. nominee ta minor, hier dae of beh: ISIE ‘aa the nominae sa minor on this dao / We appoint name) Felaionship with the minort [_] Address: Same as primary applicant] ferent tom primary applicant CELELL LE PL to receive the amount of the deposit on behalf f the nominee inthe event of my / our minor's death during the minority of the nominee. Nomination dts to be displayed on statment passbook [] ¥ [] N Signatures) Thum impressions of dpostrs) Signature of witness *+ Signature of witness Nome. Name. Adeross adds. Date; Place signature of Joint holders. rere depot dein th are ofa mio: he nomination shou ne bya peton afl eles ston bal fern For Bank Use Only Know Your Customer Details (KYC) ["] HUF [] Public LTO. [] Pvt. LT [] Society [1] ust [1] Partnership [] Sol Prop. [] Oxher *Document Type "Document 1 "Document 2 "Document 3 *Doe ID No. Place of Issue. Date of issue Expiry Date have mot Me! Ms in person. I hereby confirm the identity and address, The form has been filed and signed in my presence, The original documents have boon verified by me, L | confirm tat have veted the cormuricalion address ofthe enty ond contr thet hae nat, {nam ofthe authorised signatery ofthe entity at he communication ads of tha ndty ab metered We aun opening ‘Name of Bank Official 5 a Emp. ID Branch Code Preferred Customer 10 |2 [0 eee poole 8] L | LL} curoreaccoue | {ELL Ilse] LLL LILI tty Feed Deposit [EI IEEE |) (216) (CIE It ‘ L111 | recurine pero LL TL | ls} LLL LLL Flexi Fixed Deposit [Do Not Call Exports! Imports involved [] Yes []No ‘Customer Type []Put./Public Lid [] Non individual Risk Categorization ] Low C] Medium [1 High Promo Code sLc Code Le code vee dete FOO “Primary Relationship Manager ID [Person exposed to poltics [Closed Relative Of Person Exposed To Politics *BSR Type of Organization Business Segment “Funds Parked at Account “Funds Parked Branch codeKatnakar Kank For Bank Use Only Cont "Expected No, of Transactions Annually [] < 260] 260-800 [] 500-1000 [1] 1000. 2500 [] >2500 Expected Transaction Amount - (fn lacs) *Cash Deposits Annual [0-5 Lakh [} 5- 1OLakh [] 10-26Lakh [] 25-soLakh [1] soLath-1er. [] 1-8c. [] 8-10¢% [] > woe. ‘Gash Withdrawal Annual [1] 0-6 Lakh] §- 10Lath [] 10-264akn [] 25-50 Lakh [] souakh- 1h, [] 1-8 1] §-t0¢r E> 1c Foy Inward -Annuat [0-5 Lakh [}5- 10Lakh [1] 10-26Lakh [1] 25-SoLakh [] sotath-ter. [] 1-Sc: C) 8-10cr ©] > woe *FCY Outward Annual [] 0-Stakh [] §- 10Lakn [] 10-26Lakh [] 25-SoLakh [] sotakh- cr C] 1-8¢e [] 8-10¢r [] > 0c "Domestic Inward [0-8 Lath F) 5- 10Lakh [7] 10-25 Lakh] 25-50 Lakh [] Souakn-1cx CE] 1-8cx C] §-10cr F] > 1c “Domestic Outward [0-8 Lath F)5- 10Lakh [7] 10-25 Lakh] 25-50 Lakh [] Souakn-1ce J 1-8cx C] 8-10cr F] > 1c ‘Mis Code.t is code.2 Mis Code.2 Mis Code.4 is codes Mis codes Mis Ccode.7 Checked by Sane Bek fo Emp. 1D Declaration (We om /are residents of India. YWe, declare that the information furnished by me /us ie true and correct. Ue, the undersigned have read and understood and agree o abide and be bound yall the provisions ofthe Terms & Conditions published on the bank’s wos ‘governing the opening of el my / our accounts, present and future with The Ratnakar Bank and those relating to various services including but not limited to ATMs/Debit Card/Mobile Banking/nternet Banking/Phone Barking/Bill Payment Facility etc We understand thatthe Bank may atts sole lscration discontinue any ofthe services completely or partially without any notice to me us. agree that the Bank may debit my account for servico charges as applicable from time tome. le agree that ifthe premature withdrawal is permitted at myfour request, the payment af interest on the ddoposit ay be allowed inaccordance wit the provaling stiouationslaid down bythe Bark Reserve Bank of nda fromtime to time, woreratnakarbank.co.in Declaration under orsign contribution Regulation} Act, 2010 and forsign contribution (Regulation) Rules, 2011 1. We confirm thats part ofthe regular operations, we do not receive any foreign convibution from abroad and if wRRre Wet SH TUEBIVY tna! ‘same then we wll inform the bankin advance with sufcient notice, oR 2.liwe confirm that asa part ofthe regular operation, we receive foreign contibution from abroad. Separate approvalfrom ministry of home affairs (MHA) has been sought for eredting the foreign contibutions with the FCRA Account with Bank which has been opened specifically for such FCRA credits and Vwe confirm that inthe account with The Ratnakar Bank Ltd, ited. Wwe also confirm that approval obtainedforthe FCRA accountis acctontspacifc aswell as Bank and Branch specific. in eontributions willbe cx “Signature of Partner/Director/Trustees/Karta/Authorised Signatory Authorised Signatory 1 Authorised Signatory 2 Authorised Signatory 3 Authorised Signatory 4Ratnakar Kank ‘Most Important Terms & Conditions Savings Bank Account ‘= The amounts can be deposited / withdrawn from these accounts by way of Remittances / Cheques / Debit / ATM Card / Internet Banking / Mobile Banking / Bill Payment et ‘= The accounts can be opened by eligible person (s) and certain organisations/ Agencies as approved by the Reserve Bank of India (RBI), Currently Interest is payable at 5.5% p.a. and is paid on Half Yearly basis. As per current RBI regulations, interest is calculated ‘on dally closing balance provided ithas worked upto a minimum of &1 = Cheques, dividend warrants drawn in the name of account holder(s) shall only be collected through this account. Financial Instruments endorsed in favour of the accountholder(s) shall natbe collected The account holder is required to maintain certain MonthiyjAverage Balance MAB/QAin the account, as specified in the ‘Schedules of Charges of the Bank from time to time. Non-compliance of this would attract service charges. ‘MAB /QAB is calculatedas - Sum total of average of balance at end of day fora calendar month divided by the no. of daysin that Month/Quarter Current Bank Account Current accounts can be operated by individuals / partnership firms / Private and Public Limited Companies / Hindu Undivided Family (HUFS) / Specified Associates / Societies / Trusts etc ‘= Bank will normally stipulate certain minimum balances to be maintained as part of terms and conditions governing operations of such accounts. Failure to maintain minimum balance in the account will attract levy of charges as specified by the Bank from time to time. Deceased Account Handling Settlement of dues in deceased deposit account ‘= When deposit stands in aint names with operating instructions of payable to ‘Either or Survivor/s’, in the unfortunate event of death of any of the joint holders, payment would be made to the survivar/s on demand on maturity or even before maturity and the Bank shall get valid discharge against any claims ofthe heirs ofthe deceased 1 Ifthe depositor has registered nomination with the Bank, the balance outstanding in the account of the deceased depositor willbe transferred to the account of / paid to the nominee after the Bank is satisfied about the identity of the nominee, etc ‘= Inthe absence of nomination and when there are no disputes among the claimants, the Bank will pay the amount outstanding in the, account of the deceased person against joint application and indemnity by al egal heirs or the person mandated by the legal heirs to receive the payment on their behalf without insisting on legal documents up to the limit approved by the Bank's management. This sto ensure that the common depositors are not put to hardship on account of delays in completing legal formalities, Statement of Accounts ‘= Astatement of account willbe provided by the Bank to Savings Bank as well as Current Deposit Account holders periodically as per termsand conditions of opening of the account, Passbook facility wil also be available to Savings Bank Account Holders on request. ‘Minor's Account The minor can open a Savings Bank Account and the same can be operated by the natural and / or lawful guardian or court appointed guardian. = Onattaining majority, intimation shall be sent to the erstwhile minor for submission of the fresh account opening form along with KYC documents to be kepton record and for all operational purposes. Nomination Facility + Nomination Facility is available for accounts opened in individual capacity (Le. single/ joint accounts as well as accounts of a sole proprietorship concern) only, ie. notfor accounts opened in representative capacity + Nomination can be made, cancelled or varied by the account holder anytime during his/her life time, While making nomination, cancellation or variation, witnessis required and the request should be signed by all accountholders * Nomination can be made in favour of aminor also = Customers are advised to avail Nomination Facility, if they have not availed so farRatnakar Kank Fixed Deposit Account = Currently, Bank pays no interestif the Fixed Depositis prematurely withdrawn within 7 days of placing the deposit. If fixed deposit isprematurely withdrawn after 13 days but before the due date, then 1% penalinterest shall be applied as penal rate to the rate that was prevailing on the date the deposit was placed and for the period for which the deposit was kept with the bank ‘= Interest rates are quoted on per annum basis and the number of daysin ayear are taken at actuals (.¢. 366 daysin a Leap Year) ‘= Interest on deposits is payable either quarterly or compounded quarterly (i.e. re-investment of interest) or monthly at discounted value at the option of the depositor = Interest rates are revised from time to time and displayed in the Branches’ Display Board, and the website, toinform the public ‘= Premature repayment penalty will e applicable as perterms and conditions = Fixed Deposits held in Joint Names + Premature payment of the Fixed Deposit is allowed only after the request is signed by all joint depositors. The mandate “payable to elther or survivor" isapplicable only atthe time of maturity of the deposit + Loan / Overdraft, If loan is sought against the Fixed Deposit; the loan/overdraft_ application needs to be signed by all joint depositors, ‘= The Bank computes interest based on the actual number of daysin a year. In case, the Deposit is spread over aleap and anon-leap year, the interests calculated based on the number of daysi.e. 366 daysinaleap year & 365 daysin anon leap year 1 Inthe event ofthe death ofthe depositor, premature termination f ttm deposits willbe allowed. Such premature withdrawal would not attract any penal charge, Miscel = Acopy of the Code of Bank’s Commitment to Customers and Schedule of Charges for key information on the usage and benefits of various services facies offered by the Bankis available on request and on Bank's website = In case of payment of balance in accounts of deceased customers to survivors / claimants, the Bank adopts safeguards as appropriate and guided by the regulators Know Your Customers gui ‘= While opening an account the Bank shall satisfy itself about the adairess, identity ofa person(s) seeking to open an account, to assist in protecting the prospective customer/s, members of the public and ourselves against fraud and other misuses of the banking. system * TheBankis required to obtain recent photographs ofthe person(s) opening / operating the account ‘= Petson / entity who has been allotted PAN number by Income Tax Department are required to quote the number in the Account ‘opening Forms. Alternatively please provide Declaration in Form 60 (non-agricultural) or Form 61 (Agricultural), ‘= Incase of a minor who does not have any income chargeable to Income Tax. He/She shall quote the Permanent Account Number (PAN) or General index Register Number (GIRN) of is father or mother or guardian as the case may be at the time af opening ‘an account with the Bank Latest approvediist of KYC documents is available withthe branch, kindly contact your nearest branch for thesame The Bank has a clearly defined Grievance Redressal process for speedy and effective redressal of customer grievance. For registering your grievances, kindly contact the Branch Manager or our phone banking executives. You can also visit us at wwww.ratnakarbank infor registering your grievance, required, grievance can be escalated to the Regional Nodal Officer of your region and the Principal Nodal Officer. The contact details of Nodal Officers are displayed at our branches and website Acknowledgment Aeceived application for []Savings CIcurent [1 Fixed Deposit C]Recurring Deposit Account. Ref No. Initial Payment Detalls Initial Amount: & In Words Cheque No Dated FIDICICICICICID) orawn on Bank Branch Zeb to my Ratnakar Bank Ae cash Amount 8 Branch Code Note: ns nal amount o account opening isi cath hen cstornar shoul the branchinsaaon and aban oficial acit.DO/PO/Chaque subject chrance Amount ‘Tenure Interest Rate Received duly completed Nomination FormDA1 [] Yes [] No NemeafBenk Oca! —~—~S*SCSCSgratre BROS! emp. CCCI ex SCOOOOOo