[Resolved]  Kotak Mahindra Bank — Kotak Personal Loan

Address:

Chennai, Tamil Nadu

Hello Kotak,

Based on the below email initiated Phone call to Bhavani, but there is no proper response.

Meet me in the my office between 09 AM-5 PM with prior confirmation on exact timing for further discussion on the below issue

As I already mentioned on repayment, provide your terms and conditions properly (Last Request)

With this note, henceforth don’t assign any customer relationship officers for my account, stop all your unwanted emails and phone calls from the bankers

It’s clearly indicated by Kotak bank, no show or interest in this issue and there is no value for the customers (corporate salary holders)

Further would be lodging complaint as per Banking Ombudsman Scheme

Regards,
Prabhu Kumar. R

From: [protected]@kotak.com [mailto:[protected]@kotak.com]
Sent: Thursday, October 04, 2012 6:08 PM
To: 'Prabhukumar.[protected]@hlag.com'
Subject: FW: Your Banking Operations with Kotak Mahindra Bank Ltd.

Dear Mr. Ramachandran,

This has reference to your email dated October 1, 2012 regarding your Personal Loan account SPLN 3251190.

At the outset please accept our sincere gratitude for the time taken and effort made by you in sharing your concerns with us.

With regards to your concern raised, we wish to state that Ms. Bhavani S, Deputy Manager, has again visited your office on October 3, 2012 however she was not able to meet you. She also tried to contact you on your Mobile number; however, she was unable to speak with you. She had left message with your security person Mr. Nayak to call her back.

We request you to kindly contact Ms. Bhavani at [protected] to address your concerns.

Please feel free to contact on our customer care no. [protected]/66006022 or alternatively email at service.[protected]@kotak.com for further assistance in this regards.

Assuring you of our best services at all times. We are extremely apologetic for the inconvenience caused in this regard.

In accordance to our continual focus and commitment to customer service, we trust we have addressed your concern(s) in a fair and equitable manner and the issue has been resolved to your satisfaction. In case you are not satisfied with our handling of your concern(s), you may approach the Office of the Banking Ombudsman (appointed by the Reserve Bank of India). The details of the same are available on http://www.kotak.com/bank/common/ombudsman.htm. You may also contact your nearest Kotak Mahindra Bank branch for further details in this regard.

Yours Sincerely

Rubina Ansari
Manager – Service Quality
Office of the Nodal Officer, Consumer Bank
________________________________________
Kotak Infiniti, 4th Floor, Bldg No.21, Infinity Park, Off. Western Express Highway, General AK Vaidya Marg, Malad (E), Mumbai -97|[protected]
________________________________________
From: Nodalofficer (Retail Liabilities, KMBL)
Sent: Monday, October 01, 2012 5:33 PM
To: 'Prabhukumar.[protected]@hlag.com'
Subject: FW: Your Banking Operations with Kotak Mahindra Bank Ltd.

Dear Mr. Ramachandran,

This has reference to your email dated October 1, 2012 regarding your Personal Loan account SPLN 3251190.

We regret you have had a reason to be dissatisfied with our services. We wish to inform you that we are currently in the process of investigating the matter and shall revert to you at the earliest but not later than 5 working days. Your reference number remains 1-[protected].

Assuring you of our best services at all times.

Yours Sincerely

Rubina Ansari
Manager – Service Quality
Office of the Nodal Officer, Consumer Bank
________________________________________
Kotak Infiniti, 4th Floor, Bldg No.21, Infinity Park, Off. Western Express Highway, General AK Vaidya Marg, Malad (E), Mumbai -97|[protected]
________________________________________
From: Ramachandran, Prabhukumar [Prabhukumar.[protected]@hlag.com]
Sent: Monday, October 01, 2012 4:43 AM
To: Nodalofficer (Retail Liabilities, KMBL); 'rafat.[protected]@kotak.com'; 'service.[protected]@kotak.com'; 'bhavani.[protected]@kotak.com'; Nodalofficer (Retail Liabilities, KMBL); S Mehta, Principal Nodal Officer (Corporate, KMBL); CBNodalofficer (Ext, Commercial Bank, KMBL)
Subject: FW: [SR#:1-[protected]] FW: Personal Loan - very poor service !! - 2nd Request - Your reference number remains 1-[protected] - Gone extreme !! on your bad service - SPLN 3251190
Hello,

I am not getting an solution or answer for the below issue

Call me urgently or meet me in person to discuss further

This should resolve by this week and as mentioned earlier, ready to make the repayment 100% on the loan amount

Let me know the right procedure to follow

Regards,
Prabhu

From: [protected]@kotak.com [mailto:[protected]@kotak.com]
Sent: Monday, September 24, 2012 6:09 PM
To: 'Prabhukumar.[protected]@hlag.com'
Subject: FW: Your Banking Operations with Kotak Mahindra Bank Ltd.

Dear Mr. Ramachandran,

This has reference to your email dated September 20, 2012 regarding your Personal Loan account SPLN 3251190.

At the outset please accept our sincere gratitude for the time taken and effort made by you in sharing your concerns with us.

With regards to your concern raised, we wish to state that Ms. Bhavani S, Deputy Manager, has visited your office on September 21, 2012 however she was not able to meet you. She also tried to contact you on your Mobile number, however, She was unable to speak with you. Hence, we request you to kindly contact Ms. Bhavani at [protected] to addressed your concerns.

Please feel free to contact on our customer care no. [protected]/66006022 or alternatively email at service.[protected]@kotak.com for further assistance in this regards.

Assuring you of our best services at all times. We are extremely apologetic for the inconvenience caused in this regard.

In accordance to our continual focus and commitment to customer service, we trust we have addressed your concern(s) in a fair and equitable manner and the issue has been resolved to your satisfaction. In case you are not satisfied with our handling of your concern(s), you may approach the Office of the Banking Ombudsman (appointed by the Reserve Bank of India). The details of the same are available on http://www.kotak.com/bank/common/ombudsman.htm. You may also contact your nearest Kotak Mahindra Bank branch for further details in this regard.

Yours Sincerely

Rubina Ansari
Manager – Service Quality
Office of the Nodal Officer, Consumer Bank
________________________________________
Kotak Infiniti, 4th Floor, Bldg No.21, Infinity Park, Off. Western Express Highway, General AK Vaidya Marg, Malad (E), Mumbai -97|[protected]
________________________________________
From: Nodalofficer (Retail Liabilities, KMBL)
Sent: Thursday, September 20, 2012 4:09 PM
To: 'Prabhukumar.[protected]@hlag.com'
Subject: FW: Your Banking Operations with Kotak Mahindra Bank Ltd.

Dear Mr. Ramachandran,

This has reference to your email dated September 20, 2012 regarding your Personal Loan account SPLN 3251190.

We wish to reiterate that we are currently in the process of investigating the matter and shall revert to you at the earliest. Your reference number remains 1-[protected].

Your continued patience is solicited in this matter.

Assuring you of our best services at all times.

Yours Sincerely

Rubina Ansari
Manager – Service Quality
Office of the Nodal Officer, Consumer Bank
________________________________________
Kotak Infiniti, 4th Floor, Bldg No.21, Infinity Park, Off. Western Express Highway, General AK Vaidya Marg, Malad (E), Mumbai -97|[protected]
________________________________________
From: Ramachandran, Prabhukumar [mailto:Prabhukumar.[protected]@hlag.com]
Sent: Thursday, September 20, 2012 9:52 AM
To: Nodalofficer (Retail Liabilities, KMBL); 'rafat.[protected]@kotak.com'; 'service.[protected]@kotak.com'; 'bhavani.[protected]@kotak.com'; Nodalofficer (Retail Liabilities, KMBL); S Mehta, Principal Nodal Officer (Corporate, KMBL); CBNodalofficer (Ext Commercial Bank KMBL)
Subject: FW: [SR#:1-[protected]] FW: Personal Loan - very poor service !! - 2nd Request - Your reference number remains 1-[protected] - Gone extreme !! on your bad service

Hello Kotak,

Explain why there is no information from your end

Date of escalation is 29th of August 2012, after 23 days there is not proper feedback from your end

I am ready to repay the loan amount immediately and close the corporate banking account with Kotak

Regards,
Prabhu

From: [protected]@kotak.com [mailto:[protected]@kotak.com]
Sent: Friday, September 14, 2012 6:25 PM
To: Ramachandran, Prabhukumar
Subject: FW: Your Banking Operations with Kotak Mahindra Bank Ltd.

Dear Mr. Ramachandran,

This has reference to your email dated September 14, 2012 regarding your Personal Loan account SPLN 3251190.

We regret you have had a reason to be dissatisfied with our services. We wish to inform you that we are currently in the process of investigating the matter and shall revert to you at the earliest but not later than 5 working days. Your reference number remains 1-[protected].

Assuring you of our best services at all times.

Yours Sincerely

Rubina Ansari
Manager – Service Quality
Office of the Nodal Officer, Consumer Bank
________________________________________
Kotak Infiniti, 4th Floor, Bldg No.21, Infinity Park, Off. Western Express Highway, General AK Vaidya Marg, Malad (E), Mumbai -97|[protected]
________________________________________
From: Ramachandran, Prabhukumar [mailto:Prabhukumar.[protected]@hlag.com]
Sent: Friday, September 14, 2012 10:04 AM
To: Nodalofficer (Retail Liabilities, KMBL); 'rafat.[protected]@kotak.com'; 'service.[protected]@kotak.com'; 'bhavani.[protected]@kotak.com'; Nodalofficer (Retail Liabilities, KMBL); S Mehta, Principal Nodal Officer (Corporate, KMBL); CBNodalofficer (Ext Commercial Bank KMBL)
Subject: FW: [SR#:1-[protected]] FW: Personal Loan - very poor service !! - 2nd Request - Your reference number remains 1-[protected] - Gone extreme !! on your bad service

For your kind information

Have approved the agreement with the verbal notification of customer relationship staff “Bhavani.S” on the waive off charges

Also have communicated my confirmation with proper note

I am really not stratified with your comments below on putting blame on the customer, this is completely with your department putting false statement and verbal communication to market personal loan from the customer

Regards,
Prabhu


From: [protected]@kotak.com [mailto:[protected]@kotak.com]
Sent: Wednesday, September 12, 2012 5:57 PM
To: Ramachandran, Prabhukumar
Subject: FW: Your Banking Operations with Kotak Mahindra Bank Ltd.

Dear Mr. Ramachandran,

This has reference to your email dated September 12, 2012 regarding your Personal Loan account SPLN 3251190.

At the outset please accept our sincere gratitude for the time taken and effort made by you in sharing your concerns with us.

With regards to your concern raised and your subsequent conversation with Ms. Kanchana V. – Deputy Manager, Customer Care, we wish to state that the said loan was disbursed as per the terms and conditions contained in the sanction letter signed and accepted by you prior to Loan disbursement. We wish to state that the processing Fees (Service charge Payable) as per the attached sanction letter are 2% of the loan amount + service tax. Hence, we regret our inability to accede with your request for refund of processing fees of 1%.

Further, we request you to kindly share the documentation / acknowledgment received from the bank for waiver of 1% processing fees enabling us to investigate your claim further.

We trust the above addresses your query adequately.

Please feel free to contact on our customer care no. [protected]/66006022 or alternatively email at service.[protected]@kotak.com for further assistance in this regards.

Assuring you of our best services at all times.

In accordance to our continual focus and commitment to customer service, we trust we have addressed your concern(s) in a fair and equitable manner and the issue has been resolved to your satisfaction. In case you are not satisfied with our handling of your concern(s), you may approach the Office of the Banking Ombudsman (appointed by the Reserve Bank of India). The details of the same are available on http://www.kotak.com/bank/common/ombudsman.htm. You may also contact your nearest Kotak Mahindra Bank branch for further details in this regard.

Yours Sincerely

Rubina Ansari
Manager – Service Quality
Office of the Nodal Officer, Consumer Bank
________________________________________
Kotak Infiniti, 4th Floor, Bldg No.21, Infinity Park, Off. Western Express Highway, General AK Vaidya Marg, Malad (E), Mumbai -97|[protected]

From: Ramachandran, Prabhukumar [mailto:Prabhukumar.[protected]@hlag.com]
Sent: Wednesday, September 12, 2012 7:43 AM
To: 'rafat.[protected]@kotak.com'; 'service.[protected]@kotak.com'; 'bhavani.[protected]@kotak.com'; Nodalofficer (Retail Liabilities, KMBL); S Mehta, Principal Nodal Officer (Corporate, KMBL); CBNodalofficer (Ext Commercial Bank KMBL)
Subject: FW: [SR#:1-[protected]] FW: Personal Loan - very poor service !! - 2nd Request - Your reference number remains 1-[protected] - Gone extreme !! on your bad service

Hello All

Still in the investigation from the day of escalation 29th of August – 15 Days there is no information and action

I don’t see any importance is given to the customer complaints, but you have processed EMI for the first month perfectly

This was clearly stated before on the repayment of loan amount before the EMI processing

Gone extreme !! on your bad service

Regards,
Prabhu Kumar. R



From: [protected]@kotak.com [mailto:[protected]@kotak.com]
Sent: Monday, September 10, 2012 4:42 PM
To: Ramachandran, Prabhukumar
Subject: FW: Your Banking Operations with Kotak Mahindra Bank Ltd.

Dear Mr. Ramachandran,

This has reference to your email dated September 7, 2012 regarding your Personal Loan account SPLN 3251190.

We wish to reiterate that we are currently in the process of investigating the matter and shall revert to you at the earliest. Your reference number remains 1-[protected].

Your continued patience is solicited in this matter.

Assuring you of our best services at all times.

Yours Sincerely

Rubina Ansari
Manager – Service Quality
Office of the Nodal Officer, Consumer Bank
________________________________________
Kotak Infiniti, 4th Floor, Bldg No.21, Infinity Park, Off. Western Express Highway, General AK Vaidya Marg, Malad (E), Mumbai -97|[protected]

From: Ramachandran, Prabhukumar [mailto:Prabhukumar.[protected]@hlag.com]
Sent: Friday, September 07, 2012 5:19 PM
To: 'rafat.[protected]@kotak.com'; 'service.[protected]@kotak.com'; 'bhavani.[protected]@kotak.com'; Nodalofficer (Retail Liabilities, KMBL); S Mehta, Principal Nodal Officer (Corporate, KMBL)
Subject: FW: [SR#:1-[protected]] FW: Personal Loan - very poor service !! - 2nd Request - Your reference number remains 1-[protected].

Hello all,

Can you update me the progress on my complain !!

EMI is dated on 10th September, If the any sort of waive off is not done by Monday don’t process the EMI and let me know the refund procedure for complete payment

Your immediate response and action required on this

Regards,
Prabhu

From: [protected]@kotak.com [mailto:[protected]@kotak.com]
Sent: Wednesday, September 05, 2012 5:37 PM
To: Ramachandran, Prabhukumar
Subject: FW: Your Banking Operations with Kotak Mahindra Bank Ltd.

Dear Mr. Ramachandran,

This has reference to your email dated September 4, 2012 regarding your Personal Loan account SPLN 3251190.

We regret you have had a reason to be dissatisfied with our services. We wish to inform you that we have tried calling you on your contact number (M) [protected]; however, we were unable to speak with you. We wish to inform you that we are currently in the process of investigating the matter and shall revert to you at the earliest but not later than 5 working days. Your reference number remains 1-[protected].

Assuring you of our best services at all times.

Yours Sincerely

Rubina Ansari
Manager – Service Quality
Office of the Nodal Officer, Consumer Bank
________________________________________
Kotak Infiniti, 4th Floor, Bldg No.21, Infinity Park, Off. Western Express Highway, General AK Vaidya Marg, Malad (E), Mumbai -97|[protected]

From: Ramachandran, Prabhukumar [mailto:Prabhukumar.[protected]@hlag.com]
Sent: Tuesday, September 04, 2012 1:26 PM
To: Nodalofficer (Retail Liabilities, KMBL); S Mehta, Principal Nodal Officer (Corporate, KMBL); 'rafat.[protected]@kotak.com'; 'service.[protected]@kotak.com'; 'bhavani.[protected]@kotak.com'
Subject: FW: [SR#:1-[protected]] FW: Personal Loan - very poor service !! - 2nd Request

Hello all,

I am not agree with you, after 2nd request still your comments are not satisfactory

Need immediate solution for the below issue

This is absolutely a service failure !! from your end

Regards,
Prabhu

From: service.[protected]@kotak.com [mailto:service.[protected]@kotak.com]
Sent: Tuesday, September 04, 2012 12:57 PM
To: Ramachandran, Prabhukumar
Subject: RE: [SR#:1-[protected]] FW: Personal Loan - very poor service !! - 2nd Request

Dear Mr. Ramachandran,

This is with reference to your loan agreement no. SPLN 3251190 dated 27th August 2012.

We sincerely regret the delay in replying to your email and assure you of a timely response in future.
At the outset, please accept our sincere gratitude for the time taken and effort made by you in sharing your concerns with us.
We regret you have had a reason to be dissatisfied with our services. We wish to inform you that we are currently in the process of investigating the matter and shall revert to you at the earliest.
We will appreciate your time and patience in this regard.
For any clarifications, kindly contact us on our customer care numbers at [protected] /[protected] or alternatively mail us at service.[protected]@kotak.com and we would be glad to assist you.
Assuring you of our best services at all times.

Thanks & Regards
============
Niketa Singh| Customer Service-Personal Finance | Kotak Mahindra Bank Ltd|
From: Ramachandran, Prabhukumar [mailto:Prabhukumar.[protected]@hlag.com]
Sent: 03 September 2012 10:35
To: 'rafat.[protected]@kotak.com'; 'service.[protected]@kotak.com'; 'bhavani.[protected]@kotak.com'
Subject: FW: Personal Loan - very poor service !! - 2nd Request

Hello All,

This is my 2nd request on your poor customer service

Still there is no response from any of you with regards to my query, not like earlier use have maximum call from bank on market the personal loan

You can spend your timing on resolving the customer queries instead of posting a service call, is only to listen the complaints ?? and not to take any action on that ??

If this seems continual, will be escalated to higher level management upon immediate repayment of complete loan amount before the first month EMI

Prabhu Kumar. R

Manager - Region Asia

Hapag-Lloyd Global Service (India) Pvt. Ltd
SP Infocity, Block A, 7th Floor Dr.Mgr Salai, Kandanchavadi
Perungudi, Chennai ? 600096, India

Tel +[protected]
Mob +[protected]
Email [protected]@hlag.com
Web www.hapag-lloyd.com


From: service.[protected]@kotak.com [mailto:service.[protected]@kotak.com]
Sent: Thursday, August 30, 2012 5:42 PM
To: Ramachandran, Prabhukumar
Subject: RE: Personal Loan - very poor service !!

Dear Customer,

This has reference to your email dated August 29, 2012.

We would like to inform you that we have forwarded the contents of your email to the concerned division. For further assistance, you may write to service.[protected]@kotak.com

Assuring you of our best services at all times.

Regards,

Harshit Rajani
Customer Correspondence Team
From: Ramachandran, Prabhukumar [mailto:Prabhukumar.[protected]@hlag.com]
Sent: Wednesday, August 29, 2012 7:06 PM
To: Rafat Sayyad (Consumer Bank KMBL); Service Bank //Kotak /Bank; Bhavani S (Consumer Bank, KMBL)
Subject: RE: Personal Loan - very poor service !!

Hello All,

Checked my account, amount Rs. 2,93,258.00 is credited

Wondering on the additional amount of Rs. 742 debited for the loan amount

Could you me the reason of deducting of Rs. 742 and was discussed only on Rs. 6000 on processing fee which will be waived off by Rs. 3000 once the loan amount credited

Can you please provide me the deadline when the waive off on document charge will be done ?

Appreciate your immediate response on the above query

Sayyad, Can you please comment on the Interest and processing fee, Agreed for 14.75% and 0.5% but same not processed

Regards,
Prabhu

From: Ramachandran, Prabhukumar
Sent: Wednesday, August 29, 2012 11:49 AM
To: 'rafat.[protected]@kotak.com'; 'service.[protected]@kotak.com'; 'bhavani.[protected]@kotak.com'
Subject: FW: Personal Loan - very poor service !!

Hello all,

May I know what?s happening with my personal loan

Applied in the month of July 23rd and after a month still there is no information from the bank

There are many issues with your department from the day one

 On the Interest and processing fee, Agreed for 14.75% and 0.5% but same not processed

 Huge delay in the approval of loan amount

 Requested for 36 months EMI and processed for 48 months

 Two times rework on the agreement paper

 Several request on confirmation mails

 Document collect executive is not responding properly and bad service

 Overall Very poor service from the bankers and relationship officers


Would like to cancel the personal loan processing for 3 lakhs, if the total amount is not credited by COB today

No more excuse and discussion, post me back the signed original agreement and my blank cheque to address immediately

Regards,
Prabhu




From: Ramachandran, Prabhukumar
Sent: Tuesday, August 28, 2012 5:55 PM
To: bhavani.[protected]@kotak.com
Subject: RE: Personal Loan

Hello Bhavani,

Please confirm when my account will be credited with loan amount

Agreement signed and confirmation mail already, awaiting reply from your end for past two weeks

Remember the EMI will starts from September 10th !!

Regards,
Prabhu

From: Ramachandran, Prabhukumar
Sent: Tuesday, August 21, 2012 6:05 PM
To: bhavani.[protected]@kotak.com
Subject: RE: Personal Loan

Hello Bhavani,

Based on the discussion had with you on the waive off document and processing fee from 2% to 1%, have signed the agreement copy for processing the personal loan for three lakhs

Hope you will stay with your verbal comments on waive off the charge by 1% once the amount is get processed

Thanks and Best Regards,
Prabhu Kumar. R

Manager - Customer Service

Hapag-Lloyd Global Service (India) Pvt. Ltd
SP Infocity, Block A, 7th Floor Dr.Mgr Salai, Kandanchavadi
Perungudi, Chennai ? 600096, India

Tel +[protected]
Mob +[protected]
Email [protected]@hlag.com
Web www.hapag-lloyd.com

________________________________________
From: bhavani.[protected]@kotak.com [bhavani.[protected]@kotak.com]
Sent: Monday, July 23, 2012 8:39 PM
To: Ramachandran, Prabhukumar
Subject: RE: Personal Loan
Dear Sir,

Kindly find the following documents required for processing your Personal Loan.

1. Pan Card Photocopy
2. Address Proof ? Driving License / Voter I.D. / Ration Card / Passport photocopy
3. 1 Passport size photo
4. 3 month payslip
5. 6 month bank statement
6. Own House Proof ? Tax Bill / E.B. Bill - photocopy

Regards & Wishes
Bhavani.S | Relationship Officer | Corporate Salary
(M) [protected], (D[protected] , Kotak Mahindra Bank Ltd, IInd Floor , Ceebros centre,#.39Montieth Road - Egmore Chennai - 600008


________________________________________
From: Ramachandran, Prabhukumar [mailto:Prabhukumar.[protected]@hlag.com]
Sent: Monday, July 23, 2012 12:58 PM
To: Bhavani S (Consumer Bank, KMBL)
Subject: Personal Loan

Hello Bhavani,

As we discussed on the personal loan, Please confirm the required document for processing

Loan Amount: 3,00,000

Confirm the EMI and other charges applicable for the amount with the breakup of 3 Years and 5 Years

Ok with the waive of 0.5% in the processing fee from 1%, well appreciated

Kindly re look on 14.75% interest calculation to reduce further

Also let us know if any Housing loan and car loan offers

Regards,
Prabhu kumar. R

Manager - Customer Service

Hapag-Lloyd Global Service (India) Pvt. Ltd
SP Infocity, Block A, 7th Floor Dr.Mgr Salai, Kandanchavadi
Perungudi, Chennai ? 600096, India

Tel +[protected]
Mob +[protected]
Email [protected]@hlag.com
Web www.hapag-lloyd.com


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DISCLAIMER:
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received, and access and use of this e-mail in any manner by anyone other than the addressee is
unauthorized. The recipient acknowledges that Kotak Mahindra Bank may be unable to exercise
control or ensure or guarantee the integrity of the text of the email message and the text is not
warranted as to completeness and accuracy. Before opening and accessing the attachment, if
any, please check and scan for virus.

DISCLAIMER:
This communication is confidential and privileged and is directed to and for the use of the
addressee only. The recipient if not the addressee should not use this message if erroneously
received, and access and use of this e-mail in any manner by anyone other than the addressee is
unauthorized. The recipient acknowledges that Kotak Mahindra Bank may be unable to exercise
control or ensure or guarantee the integrity of the text of the email message and the text is not
warranted as to completeness and accuracy. Before opening and accessing the attachment, if
any, please check and scan for virus.

DISCLAIMER:
This communication is confidential and privileged and is directed to and for the use of the
addressee only. The recipient if not the addressee should not use this message if erroneously
received, and access and use of this e-mail in any manner by anyone other than the addressee is
unauthorized. The recipient acknowledges that Kotak Mahindra Bank may be unable to exercise
control or ensure or guarantee the integrity of the text of the email message and the text is not
warranted as to completeness and accuracy. Before opening and accessing the attachment, if
any, please check and scan for virus.

DISCLAIMER:
This communication is confidential and privileged and is directed to and for the use of the
addressee only. The recipient if not the addressee should not use this message if erroneously
received, and access and use of this e-mail in any manner by anyone other than the addressee is
unauthorized. The recipient acknowledges that Kotak Mahindra Bank may be unable to exercise
control or ensure or guarantee the integrity of the text of the email message and the text is not
warranted as to completeness and accuracy. Before opening and accessing the attachment, if
any, please check and scan for virus.

DISCLAIMER:
This communication is confidential and privileged and is directed to and for the use of the
addressee only. The recipient if not the addressee should not use this message if erroneously
received, and access and use of this e-mail in any manner by anyone other than the addressee is
unauthorized. The recipient acknowledges that Kotak Mahindra Bank may be unable to exercise
control or ensure or guarantee the integrity of the text of the email message and the text is not
warranted as to completeness and accuracy. Before opening and accessing the attachment, if
any, please check and scan for virus.

DISCLAIMER:
This communication is confidential and privileged and is directed to and for the use of the
addressee only. The recipient if not the addressee should not use this message if erroneously
received, and access and use of this e-mail in any manner by anyone other than the addressee is
unauthorized. The recipient acknowledges that Kotak Mahindra Bank may be unable to exercise
control or ensure or guarantee the integrity of the text of the email message and the text is not
warranted as to completeness and accuracy. Before opening and accessing the attachment, if
any, please check and scan for virus.

DISCLAIMER:
This communication is confidential and privileged and is directed to and for the use of the
addressee only. The recipient if not the addressee should not use this message if erroneously
received, and access and use of this e-mail in any manner by anyone other than the addressee is
unauthorized. The recipient acknowledges that Kotak Mahindra Bank may be unable to exercise
control or ensure or guarantee the integrity of the text of the email message and the text is not
warranted as to completeness and accuracy. Before opening and accessing the attachment, if
any, please check and scan for virus.