1

2

Bill Discounting

Auto Finance

IPO

Invest ment Banking

Mutual Fund

Life Insurance

KS

BANK

Alternate Assets

ARC

Anchor Investment in ACE

1985 1990 1992 1995 1998 2000 2001 2003 2004 2008 2010 2012 2014

614th Branch & Celebrating

29th Year of success

In October 2005, Kotak Group acquired the 40% stake in Kotak Prime held by Ford Credit International (FCI) and FCI acquired the stake in Ford Credit Kotak Mahindra (FCKM) held by Kotak Group.

In May 2006, Kotak Group bought 25% stake held by Goldman Sachs in Kotak Mahindra Capital Company and Kotak Securities

TH E J OURNEY SO FAR

3

TH E KOTAK G ROUP STRUC TURE

Kotak Mahindra Capital Company

• Investment Banking

Kotak Securities

• Stock Broking • E Broking • Distribution

Kotak Mahindra Investments

• Investment • Lending

Kotak Mahindra Prime

• Car Finance • Other Lending

Kotak Mahindra AMC

• Mutual Fund

Kotak Mahindra Pension Fund

• National Pension Funds

Kotak Mahindra Trustee Company

• Trustee Company

Kotak Mahindra Old Mutual Life

Insurance*

• Life Insurance

Kotak Mahindra Financial Services

Ltd.

• Advisory Services for Middle East

Kotak Investment Advisors

• Alternate assets

Kotak Mahindra International

• Advisory Services

• Investments

Kotak Mahindra UK

• Asset Management

• Broking

Kotak Mahindra Inc

• Broker / Dealer

Kotak Mahindra Trustee Services

• Trustee Company

Kotak Forex Brokerage

• Forex Brokerage

Kotak Mahindra Asset Management

(Singapore)

• Asset Management

Note: All companies are fully owned subsidiaries except K< Old Mutual Life insurance in which KMBL owns 74%

Commercial Bank & Holding Company

4

G EOG RAP H ICAL P RESENCE OF KOTAK G ROUP

…with Multiple Points of Presence

Business Sept 30, 2014

Banking 641

Car Finance 74

Life Insurance 210

Securities 1,164

Mutual Fund 79

Total 2,168

Wid

e N

atio

nal

Fo

otp

rin

t…

International office situated at Abu Dhabi, Dubai, London, Mauritius, New York, Singapore

All figures are as of September 30, 2014

5

TH E BOUQUET OF BENEFITS

Earn interest up to 6% p.a. on

your Savings Account balance

Specially for you

Preferential features & discounted charges on your Savings Account. Refer to the Privy League Insignia general schedule of charges

Earn Higher on Savings account balances

Earn 5% p.a. for balances up to 1 lac and 6% p.a. on balances beyond 1 lac in your savings account

Your security, our priority

Get up to 75% discount on locker rentals

Reducing hassles

Free at-par cheque books

SMS us at KPRIVY & we will handle your transactions

Choose from a range of products

Including business banking solutions & Loans

The Bank comes home to you

Free home banking transactions

The ultimate lifestyle complement

Privy League Visa Signature Debit Card that’s packed with lifestyle benefits

Save with

Term deposits , recurring deposits & SIPs

Rest assured

Zero maintenance charges on your Demat & Savings account

6

PRIV Y LEAG UE S IG NATURE D EBIT CARD

Special Offers and Discounts at Merchant Outlets – great deals at exclusive outlets in categories such as Lifestyle, Fine dining, Travel, Health and Fitness

Complimentary insurance benefits on your card: Air accident insurance cover

of INR 10,000,000 Lost card liability insurance

of INR 400,000 Lost baggage insurance of

INR 100,000 Purchase protection of INR

150,000

Accepted worldwide, this unique card comes with a flexible usage limit

Default cash withdrawal and purchase limit of INR 3,00,000 & INR 4,50,000 respectively per day

No fuel surcharge at any fuel station in India

Visa Concierge Services – to help you with booking flights, car rentals, hotels and much more

2 Quarterly complimentary access to VISA affiliated airport lounges

7

P RIV Y LEAG UE S IG NATURE CRED IT CARD

Complimentary Priority Pass membership worth USD 99. With this Priority Pass Membership, you get VIP access* to over 600 airport lounges spread across 100 countries.

Complimentary PVR tickets in every quarter

Reward Points: You now have the power to choose your Reward Plan (Shopping/Travel), which has been specially designed to suit your lifestyle. You can earn up to 10x reward points as per the reward plan

Higher Credit Limits

Low interest rate :You will enjoy a low monthly interest rate of 2.49%.

Fuel Surcharge Waiver: Save 2.5% fuel surcharge across all petrol pumps in India

Kotak PVR offer – Buy 1 get 1 free on Saturdays

VISA Signature offers:

– Block buster weekends. Buy 1 ticket & get 1 ticket free on www.bookmyshow.com

– Visa Airport lounge access

For more information on VISA offers, please refer to the link: VISA Signature Credit Card Offers

* This credit card is priced at an annual fee of Rs.5000/- which is waived off for insignia customers in the 1st year. The above card benefits are not applicable from 2nd year

8

P OWER OF KP RIV Y

Features

Facilitates investment in Mutual funds, SIP, IPO, Term deposits, recurring deposits etc. along with other financial and non financial transactions

Benefits

Customer convenience to transact over telephone by sending an SMS to KPRIVY* 5676788

*Applicable basis registered mobile number available with kotak bank.

9

KOTAK CAR LOANS

KMPL* has tie ups with almost all car manufacturers / dealers in India including Toyota, Honda, Maruti Suzuki, Tata Motors, Hyundai, Volkswagen group, GM, Mahindra Renault

Wide Geographical coverage Servicing customers across:

74 locations

15 States

Attractive interest rates

Flexible schemes

Speedy loan processing

* Offered by Kotak Mahindra Prime Ltd, a kotak group company.

10

H OME LOANS

Kotak Smart Home

Exclusive product for Privy League Insignia Customers

Disbursed in the form of Overdraft (up to 30% of Loan amount) and Term Loan (at least 70% of Loan amount)

Why this product over an ordinary home loan?

Utilizes the excess funds in your savings account, to save interest on your Home Loan.

Competitive Rates

Full Waiver of Non-utilization Charges on OD and Foreclosure Charges on HL

Certificate of Interest and Principal paid on Loan under Section 24(b) of the Income Tax Act will contain the Interest paid in the Home Loan Account as well as Smart Home Account (OD)

11

G ENERAL INSURANCE P ROD UC TS

We protect your valuable assets & your health from various uncertainties

Car Insurance + Add ons Mediprime Home Insurance

*Insurance products in this slide and the next slide are tie-ups

G ENERAL INSURANCE

12

L IFE INSURANCE

Fund Name 1 yr 3 yr 5 yr Since Inception

Money Market 8.7% 8.9% NA 7.7%

Dynamic Gilt Fund 11.2% 8.0% 7.4% 6.7%

Dynamic Bond Fund 11.7% 8.6% 8.3% 8.2%

Dynamic Floating 11.0% 9.7% 8.1% 7.5%

Balanced Fund 31.2% 13.0% NA 9.8%

Frontline Equity 47.1% 16.8% NA 10.9%

Classic Opportunities 51.4% 17.4% NA 12.6%

Fund Facts :

Entry Age : 0 – 65 yrs Maturity Age : 0 – 65 yrs

Tenure : 10 – 30 yrs Premium Mode : Annual/Qtly/Half Yearly/Monthly

For a healthy 30 year old male, an investment of Rs 50,000 per month for a period of 15 years, will yield Rs 1,46,56,650, assuming that the fund grows by 8% every year

Actual Fund Performances as on : 31-Aug-14

13

F INANCIAL P LANNING P ROCESS

Aim to understand financial position and Objective of the client Initial Meeting Analysis

Analysis of current financial position and explore all possible strategies

Preparation

Preparation of comprehensive Statement of Advice including the most appropriate strategy and investment recommendations

Presentation Presentation of personalized Statement of Advice. Queries may be discussed with the Financial Planner

Implementation

Execution Services of your investments in accordance with your instructions

Ongoing review

Meetings Regular reviews of investment portfolio and financial position

Kotak Bank provides these services as a value-add service and does not charge any fees with regard to the same. However, Kotak Bank may earn distribution / commission / referral fees in respect of the products / services distributed /referred.

14

F INANCIAL G OALS

Which financial goals are you planning for?

Leading a comfortable Retired Life

Children’s Education

Buying a Dream House

Children’s Marriage

Vacation Planning

Buying a Luxury Car

15

EX P EC TATIONS FROM A F INANCIAL P LAN

Estate Planning services / Insurance services are provided by subsidiaries of Kotak Bank or through a third party.

Major purchases

Retirement

Estate planning

Networth Education funding

Insurances

Cash Flow

Asset allocation

FINANCIAL PLAN

16

IN V ESTIN G IN STOCK MA RKETS FOR TH E LON G TERM, PAYS

Date BSE Sensex 1-Year Roll Ret. Ann. 3-Year Roll Ret. Ann. 5-Year Roll Ret. Ann. 10-Year Roll Ret. Ann. 15-Year Roll Ret. Ann.

31/12/1995 3,110.49 -20.79% 5.95% 24.28% 19.41% 22.48%

31/12/1996 3,085.20 -0.81% -2.67% 10.07% 19.37% 18.96%

31/12/1997 3,658.98 18.60% -2.33% 6.94% 23.51% 20.04%

31/12/1998 3,055.41 -16.50% -0.59% -1.80% 16.44% 18.06%

31/12/1999 5,005.82 63.83% 17.51% 4.97% 20.44% 21.42%

31/12/2000 3,972.12 -20.65% 2.77% 5.01% 14.24% 14.40%

31/12/2001 3,262.33 -17.87% 2.21% 1.12% 5.50% 12.95%

31/12/2002 3,377.28 3.52% -12.28% -1.59% 2.59% 14.50%

31/12/2003 5,838.96 72.89% 13.70% 13.82% 5.72% 15.56%

31/12/2004 6,602.69 13.08% 26.47% 5.69% 5.33% 15.30%

31/12/2005 9,397.93 42.33% 40.61% 18.78% 11.68% 15.73%

31/12/2006 13,786.91 46.70% 33.13% 33.39% 16.14% 14.08%

31/12/2007 20,286.99 47.15% 45.38% 43.10% 18.67% 14.63%

31/12/2008 9,647.31 -52.45% 0.88% 10.55% 12.17% 7.31%

31/12/2009 17,464.81 81.03% 8.19% 21.46% 13.30% 10.45%

31/12/2010 20,509.09 17.43% 0.36% 16.88% 17.83% 13.39%

31/12/2011 15,454.92 -24.64% 17.01% 2.31% 16.82% 11.33%

31/12/2012 19,426.71 25.70% 3.61% -0.86% 19.10% 11.76%

31/12/2013 21,170.68 8.98% 1.06% 17.01% 13.73% 13.76%

Min Returns -52.45% -12.28% -1.80% 2.59% 7.31%

Max Returns 81.03% 45.38% 43.10% 23.51% 22.48%

Average Returns 15.13% 10.58% 12.17% 14.32% 15.06%

Standard Deviation 36.65% 15.74% 12.21% 5.89% 3.82%

Source: Bloomberg

17

S IP – TH E CONCEP T

Systematic Investment Plan (SIP) is a simple and time honored investment strategy for accumulation of wealth in a disciplined manner over long-term period. Simply, SIP is a vehicle or approach to invest a fixed amount in any fund/scheme at regular intervals. Such approach helps in investing across market phases (bull or bear), and thus the cost of investments get averaged over a period of time

Systematic Investing means -

Investing a fixed amount

Investing for a continuous period

Investing at regular intervals

Rupee cost averaging

18

TECH NOLOGY & CONV ENIENCE

19

FOR TH E P RIV ILEG ED FEW

Offering Insignia Plan’s discounted rates Standard charges

Mutual Fund purchase through Kotak Investment a/c 0.50% 1.40%

Mutual Fund purchase through AMC forms 1.0% 1.75%

Kotak Demat Account Lifetime waiver on a/c maintenance

charges Annual charges

Investment Account maintenance charges Nil INR 100 per quarter if there has

been no transaction in the quarter^

Locker Charges Upto 75% discount Standard charges

We believe in offering preferential pricing across products for our privileged customers

20

FOR TH E P RIV ILEG ED FEW

Offering Insignia Plan’s discounted rates Standard charges

Dedicated Service Relationship Associate Yes No

Discount on issuance of Kotak World Travel Card Free No Discount

Discount on issuance of Best Compliments Card Free No Discount

Brokerage charges (offered by Kotak Securities) 0.025% (intraday) and 0.25%

(delivery) Card Rates

Preferential tariff on Forex Yes Card Rate

Preferential rates for Car Loan (offered by Kotak Mahindra Prime)

Yes Card Rate

Preferential rates for Housing Loan Yes Card Rate

21

ASSISTING YOU IN YOUR L IFESTYLE PREFERENCES

Your Privy League privileges extend to your immediate family too, so they can enjoy the same benefits that you do. Family members that can be grouped together are: Spouse, Parents, Mother / Father-in-Law, Children and Son/Daughter-in-Law, Grandchildren and Grand Parents.

Get complimentary invites to the most happening events in your city - movies, plays, premieres, musical evenings, golf events, wine tasting sessions and much more, all based on your preferences

Rediscover the joy of leisure weekend reading with a complimentary subscription to Privy League Select your very own lifestyle magazine

22

T H A N K Y O U