State Bank of India, OMNI Ref. No. CIF/Customer No. MVR 1 2 USD 1 2

State Bank of India, OMNI Ref. No. CIF/Customer No. MVR 1 2 USD 1 2 (Please fill up the form in BLOCK Letters and tick ( ) where applicable) ACCOUNT OPENING FORM FOR INDIVIDUALS 1. Type of account required to be opened: Savings Current Term Deposit 2. Currency of Account: 3. Mode of Operation: MVR Initial Deposit: Self Only Former or Survivor USD (Min. MVR 1,000/- // USD 100/- for SB) Either or Survivor Jointly 4. Name: Gender :1) M F 2) M F 1. 1 st Applicant : Mr./Mrs./Ms. (First Name) (Middle Name) (Last Name) 2. 2 nd Applicant :Mr./Mrs./Ms. (First Name) (Middle Name) (Last Name) 5. Passport Details : 1. No: Date of Issue: Expiry Date: Nationality : 2. No: Date of Issue: Expiry Date: Nationality : (US Persons shall fill in/sign FATCA annexure/undertaking and submit to the Bank) 6. ID/WP No : 1. No: Date of Issue: Expiry Date: Occupation : 2. No: Date of Issue: Expiry Date: Occupation : 7. Date of Birth: 1. / / 2. / / 8. Purpose of opening the account: Salary A/c Savings Business Others 9. Mother s Maiden Name: 1. 2. 10. Educational Background: 1. Primary Secondary ( O Level) Diploma/High School ( A Level) Undergraduate Post Graduate Others 2. Primary Secondary Diploma/High School Undergraduate Post Graduate Others 11. Marital Status: 1. Married Unmarried Others 2. Married Unmarried Others 1 P age State Bank of India Account Opening Form

12. Current Address: 1. City: Country: Pin Code: 2. City: Country: Pin Code: 13. Permanent Address: 1. City: Country: Pin Code: 2. City: Country: Pin Code: 14. Telephone No: Residence: 1. 2. 15. Email: 1. 2. Work: 1. 2. Cell/Mobile: 1. 2. 16. Present Address of Employer (if employed): 1. City: Country: Pin Code: 2. City: Country: Pin Code: 17. Annual Income (in USD equivalent): 1. Less than USD 10000 USD 10001 to USD 50000 USD 50001 to USD 100000 Above USD 100001 2. Less than USD 10000 USD 10001 to USD 50000 USD 50001 to USD 100000 Above USD 100001 18. Expected flow of funds: Monthly Yearly 19. Source of funds: Salary Business Savings Pension Others 20. Services Required: ATM Internet Banking SMS Alert (Please fill up separate form for each of services) 21. Banking with other Banks: Yes No (If Yes, please provide names) 1. 2. 3. 2 Page State Bank of India Account Opening Form

For Expatriates Only: 22. Overseas Home Address: 1. Country: Pin Code: Contact No. : (with ISD/STD No.) 2. Country: Pin Code: Contact No. : (with ISD/STD No.) 23. If existing SBI Customers, A/c No./Customer ID: 1) 2) 24. Statement of Account Option: Electronic Statement Only* PB/Printed Statement and Electronic Statement *Once you sign-up for electronic statement only, you will not receive a printed statement. 25. Disclosure and Undertaking under Foreign Account Tax Compliance Act (FATCA) of USA I/ We confirm that I/ We do not possess United States (US) green card/ nationality/ passport/ power of attorney given to or received from a US person as on date. I/ We undertake to inform the Bank in the event of acquiring it at the material time in future and also authorise SBI to disclose the required information under FATCA to the relevant authority in such eventuality. Signature of 1 st Applicant : Signature of 2 nd Applicant : I/We confirm the above information/instructions and I/we further authorize the Bank to obtain independent verification of any data that has been provided, I/we also confirm that I/we have read and agree to be bound by the general terms and conditions, schedule of charges and funds transfer agreement executed by me/us, governing my/our accounts and in token of these, affix my/our specimen signature(s) below. Photograph Please paste your recent Passport size photograph & sign across the photograph Photograph Please paste your recent Passport size photograph & sign across the photograph Specimen Signature : Name : Date : 3 Page State Bank of India Account Opening Form

For Bank s use only: Date : KYC/Opening of Account verified & approved Signature of OIC Name & UID No. : Customer ID: A/C No. Scheme Code : 101 103 104 201 206 Customer Type (for Risk Rating) : Individual (INDIV) Non-Resident (NR) Salaried (SAL) Politically Expose Person (PEP) Staff (STFF) Constitution : Individual (IND) Entered in system by : (Sign) Name: Approved in system by: (Sign) Name: Date : Checklist Performed by Initials a. Whether all fields/columns are duly filled in Yes / No b. A copy of National ID and/or Passport Yes / No c. Work Permit / Business Visa (in case of Expatriates/Foreigners) Yes / No d. Proof of Address (NID / a letter from an employer as per format Yes / No on page 12) e. Photographs Yes / No f. A copy of Birth certificate (For minors & incapacitated adults) Yes / No g. Signed General/Account Terms & Conditions Yes / No h. Signed Funds Transfer Agreement Yes / No i. Other documents (if applicable) Yes / No / NA j. INB application received & processed Yes / No k. SMS Alert application received & processed Yes / No l. FATCA Annexure/Undertaking in case of US Person Yes / No 4 Page State Bank of India Account Opening Form

Account No. GENERAL TERMS & CONDITIONS Branches of State Bank of India (it also refers to SBI or Bank) in Republic of Maldives having agreed to open my/our account, I/We agree to be bound by the under noted Terms and Conditions for conduct of said Deposit/Savings/Current Account(s); General a) SBI having agreed to open my/our account on the basis of work permit, I/we undertake to submit a copy of Work Visa Card within 2 months, failing which Bank may close the account without giving any notice to me/us. Further, I/We understand that my/our account/s will be opened on the basis of the Statements/Declarations made by me/us. I/We also agree that if any of the Statement/Declaration made herein is found to be incorrect in material particulars, the Bank shall have the sole discretion to deal with the my/our account, as they deem fit. b) I/We hereby undertake that all funds being routed by me/us through my/our bank account(s) are clean, clear, good and not related to any criminal activities/drug trafficking/terrorist activities/other forms of money laundering and suspicious activities and do not violate any provisions of the laws in this regard. Further, I/We also undertake that my/our name/(s) has/have not been blacklisted and mentioned in any of the lists of UN, USA, Maldives or other Governments. I/We also undertake further that in case it is found, at a later stage that the above undertakings are found to be false, the Bank will be at liberty to inform Regulators/Law Enforcing Authorities in compliance with the Regulations/Legal Provisions in Maldives or other countries and will initiate action as will be deemed fit. c) I/We hereby undertake that the Bank will be at liberty to make available, as and when required by Law/Authorities, to the Courts, Regulatory/or other Authorities of India, Maldives, Country of Residence, or the Country in whose currency this account will be maintained or route, information relating to my/our account, without any prior consent from me/us. d) I/We am/are eligible in terms of the laws of my/our Country of Residence to open and operate Deposit Account, as requested for by me/us. e) I/We confirm and accept that should any tax or other governmental dues on account of my/our Deposit(s)/Accounts become payable, all payment made to me/us shall be net of any such taxes etc. and the Bank assumes no liability in this regard. f) I/We undertake to furnish to the Bank any changes/amendments taking place in future with reference to the identity and other documents submitted by me/us as and when such changes/amendments take place by submitting attested copies of renewed/new documents. In the event of expired documents or non-submission of renewed documents, bank may stop further operations in the account in accordance with regulations. I/we also undertake to submit attested copy of identity and other documents to the bank every three years, even if there is no change in such documents. g) I/we hereby undertake that all communications sent by post to or left at the last address notified to the Bank shall be deemed to have been delivered to me/us at the time when the notice is left at such address or would in ordinary course be delivered notwithstanding that the letter may be returned undelivered through the post. h) My/our account/s shall be governed by Laws of Maldives and I/We, hereby, agree to submit to the jurisdiction of Courts in Maldives where the account is operated in respect of any dispute in connection with my/our account. i) We hereby agree that variations in the operational instructions/additions or deletions of names shall be effected only under the joint signatures of all account holders irrespective of the operational instructions. j) I/we hereby indemnify the Bank, as collecting Bankers, from any loss which the Bank may incur by reason of its relying upon any endorsements, discharge(s) on any cheque, dividend/interest warrant or other instruments presented by me/us for collection; and in all such cases such reliance by the Bank shall be deemed to have been given at my/our express request in every case. k) I/we hereby understand that the Bank may close any of my/our account by notice and shall not be bound to disclose any reason thereof. In addition the Bank may review my/our account at any time at bank's discretion. l) I/we also understand that these rules as amended from time to time as aforesaid shall constitute a contract between me/us and the Bank and will be binding on me/us, my/our executors, administrators or other legal representatives and the Bank. Initial : 5 Page State Bank of India Account Opening Form

m) I/We have been made aware of the detailed service charges/rates of interest/other miscellaneous fees etc. that are applicable to various services/products of the bank including but not restricted to SB/CA. I/We also have been made aware that these service charges /rates of interest/other misc. fees etc. are liable to change from time to time including addition/deletions to the same and the same may be notified by the bank through its website/suitable notice to the bank s notice board in banking hall. Savings/Current Accounts (SB/CA) n) I/We understand that Savings Bank account is essentially a facility to build up savings and hence must not be used as a Current Account. Bank may close an account should it have any reason to believe that the account holder has used her/his account for a purpose for which it is not allowed. o) I/We undertake to maintain minimum balance as prescribed by the bank from time to time in case of Savings/Current account. In the event of non-maintenance of the prescribed minimum balance at any point of time, the Bank shall recover un-remunerative charges as prescribed by the bank from time to time. p) I/We understand that cheque book/atm Card will normally be issued only after the account has been conducted satisfactorily for at least six months and the pass book/cheque book/atm Card supplied to the account holder(s) should be kept at a safe place. The Bank will not be responsible for any loss or incorrect payment attributable to the account holders neglect in this regard. q) I/we hereby undertake to collect statement of account or get passbook updated regularly and examine/check all entries in the statement of account/passbook/deposit receipt and to report at once if any error is found therein within fourteen (14) days from the date of receipt of the statement/deal confirmation, failing which, the Bank will not be responsible for any loss arising from the neglect of this precaution. r) I/We are aware about the restrictions being imposed by the bank with regard to cash withdrawal per instance/month from foreign currency denominated accounts and also recovery of cash handling charges in force for the same. I/We are also aware about restrictions being imposed by the bank with regard to foreign currencies remittance abroad from home currency denominated accounts and I/we abide by the same. s) I/we undertake to operate my/our account regularly. In the event of my/our account not being operated upon for more than 6/12 months for CA/SB respectively, bank may take action as per the provision of the Banking Act in force. Deposit Accounts t) I/We hereby understand and agree that my/our Deposit/s will be for the actual amount received by the Bank and interest will be payable on the deposit from the day the funds are actually received by the bank, by cash or by credit to bank s account if through cheque or by credit to the bank s account if through fund transfer, at the interest rates then prevailing. u) I/We agree that the Deposit can be renewed automatically for the same period as the Original Deposit at the then prevailing rate of interest in case I/we do not intimate the Bank at least 3 working days before the date of maturity regarding the disposal of the maturity proceeds. However, I/We undertake and agree that if the scheme is discontinued or the tenor of the deposit is not in conformity with the existing schemes at the time of renewal, then this Deposit/s will be renewed for the maximum period of the Deposit on offer at the material time at the interest rates then prevailing. v) We hereby agree that premature withdrawal in case of joint accounts requires signatures of all depositors even though the repayment instructions may be Either or Survivor/Anyone or Survivor. I/We confirm having read the salient features of the Deposit Schemes. I/we also confirm that I/we have read and agree to be bound by the general terms and conditions governing my/our Account(s). I/we also agree to be bound by the terms and conditions at Para (a) to (v) here above though signed by me/us only on this page, as may be amended/deleted/altered/added from time to time, without giving a separate notice to me/us. An announcement of any change in the rules put up on the Bank's Notice Board in banking hall or on the Bank's website shall be deemed to be sufficient notice to me/us. Signature : Signature : Name : Name : Date : 6 Page State Bank of India Account Opening Form

FUNDS TRANSFER AGREEMENT In this agreement, the words State Bank of India or Bank, refer to the State Bank of India, at the branch or agency location where the account from which the funds transfer is made is located. The words I, me or my refer to the customer (or business) signing below: 1. COLLATERAL DOCUMENTS (Applicable to Business) At the time an executed copy of this agreement is submitted to SBI, I agree to provide SBI with such documents as it may request, evidencing that this Agreement had been properly authorized, that the person (s) designated below is/are authorized to effect funds transfers, and this agreement is otherwise in conformity with organizational documents and any other rules, regulations, or laws to which I may be subjected. 2. SECURITY PROCEDURES I understand the risks associated with transmitting Instructions via telephone, letter, wire, telex or by facsimile, and acknowledgement that SBI has made available to me a verity of security procedures for my transaction of funds transfers. I understand and agree that when I place a funds transfer request, SBI may follow a security procedure for my protection and the Bank s to verify that the funds transfer has been properly authorized. The security procedure SBI may use will depend upon the means by which I provide instructions to the Bank. In the absence of a separate agreement with SBI on the type of such security procedure to be used by it, I agree that the security procedure customarily followed by SBI is acceptable to me. I further understand that the security procedure is designated only to verify the source of the funds transfer instruction and not to detect errors in the content of the instructions. 3. AUTHORITY TO TRANSFER FUNDS I hereby authorize SBI to execute and charge to any of my designated accounts in para 19 of this agreement, any written (facsimile, mail, or messenger), with the amount so specified, when such requested are given in the name of any of the authorized signer(s) designated in para 20 of this agreement and are executed in accordance with the procedures established by SBI. I further authorize SBI to charge any account I have at SBI for any applicable service fees for such funds transfers at the time of each transfer. 4. INFORMATION FROM CUSTOMER I agree that SBI will reply upon the information I have provided in effectuating the funds transfer. I agree that any errors in the information, including misidentification of beneficiary (ies), incorrect or inconsistent account names and numbers, and misspelling are my responsibility. I will promptly furnish SBI, in addition to the information requested in this agreement, any other information that SBI may reasonably request in order to execute my funds transfer. I shall promptly notify SBI in writing of changes in information provided by me in this Agreement or any addendum thereto. 5. CURRENCY OF TRANSFER I understand and agree that funds transfers to beneficiaries in other counties, SBI will convert the U.S Dollar payment to the currency of the destination country at SBI s foreign exchange rate currency at this time of transfer. The foreign exchange rate may include a commission for SBI for exchanging the foreign currency. I further understand that even when I place a request for funds transfer in Us Dollars to a beneficiary (receipt), the laws of the country may necessitate payments being made only in local i.e, that SBI cannot guarantee payment in Us Dollars. In such event and also in others, the beneficiary bank may incur expenses like currency conversion and other charges. Hence I understand and agree that the actual amount that the beneficiary receives may be a reduced amount from SBI. 6. MEANS OF TRANSFER To make funds transfer, SBI uses a variety of banking channels and facilities, but will ordinary use electronic means. I agree that SBI may choose any means that it deems suitable to transfer my funds when I place a funds transfer request with SBI, I understand that I must select a financial institution ( beneficiary bank ) to receive it. For such transfers within the United States, the beneficiary (receipt) bank must be a member of the Federal Reserve System, Clearing House Interbank Payment system (CHIPS), or a correspondent bank of such a member. For transfers outside the U.S, the name of the correspondent bank in the U.S, the beneficiary customer will be furnished by me. SBI, based on my instructions, may instruct the beneficiary bank to credit an account or hold the funds for the beneficiary (recipient). The beneficiary bank will be responsible for following my instructions and notifying the beneficiary when the funds become available. By providing an account number to credit, I understand that the beneficiary bank may credit an account solely on the basis of the account number provided and that the payment will be final even if the number I provided does not correspond to the beneficiary I have identified. Any loss resulting from an incorrect account provided to the Bank is my responsibility and not that of SBI. After the funds have been transferred to the beneficiary bank, the funds become the property of the beneficiary bank. It will be its responsibility for locating, identifying, and making payment to the beneficiary mentioned by me. I understand and agree that SBI is not responsible for any of those actions. Because SBI does not maintain banking relations with every bank, it may be necessary to use one or more intermediary banks before the funds are transferred to the beneficiary bank. After SBI transmits the funds transfer to the intermediary bank, I agree that it will be that bank s responsibility to ensure that the funds transfer is completed. 7. FEES IMPOSED BY INTERMEDIARY / BENEFICIARY BANKS I also understand that in the above event, the intermediary and /or beneficiary bank may charge a fee for processing my funds transfer and that SBI is not responsible for this fee. I agree that his fee may bed deducted by the intermediary and / or beneficiary bank from the amount to be credited to the beneficiary of my funds transfer. 8. CUT-OFF TIME FOR EXECUTING FUNDS TRANSFER I understand and agree that if my funds transfer requests is received by SBI after its established cut-off hour of 12:30 Hrs, my request will not be processed until the next business day. 9. REJECTION OF FUNDS TRANSFER REQUEST I understand and agree that SBI reserves the right to reject any request made by me for a funds transfer when: A. I have insufficient funds in my account Initial : 7 Page State Bank of India Account Opening Form

B. My instruction is received by SBI through a communication means not approved by the Bank: C. My instruction is unclear or incomplete or unsatisfactory for any reason. 10. DELAYS, NON-EXECUTION OF FUNDS TRANSFER REQUESTS I agree that SBI will not be responsible for any loss or damage arising from: A. Any act or failure to act on the part of any person not within SBI s reasonable control: Or B. Any error, delay, or failure in the transmission of any funds transfer request resulting from an act of God, fire, catastrophe, telecommunications, electrical or mechanical failure, or any other cause beyond control of SBI. 11. CANCELING OR CHANGING TRANSFERS I understand and agree that if I decide to cancel or change a funds transfer request, I may so only if SBI receives that instruction before it has sent the funds transfer and provided it has a reasonable time to act n my instruction to cancel or change the funds transfer. In general, after the SBI has sent the funds Transfer, I will not be able to cancel or change it unless the beneficiary bank consents to such a request. SBI and /or beneficiary may impose a charge for cancelling or changing a funds transfer and, for any required currency conversion. SBI will not be liable for any losses resulting from the failure of a beneficiary bank to cancel or change my funds transfer, nor shall I make any claim against SBI nor institute a legal action against SBI for such failure. 12. RESPONSIBILITY FOR FUNDS TRANSFERS I agree to assume full responsibility for and be bound by all funds transfer requests issued in my name (s), whether or not authorized, provided the funds transfer request was executed by SBI in good faith and in accordance with the procedures set forth in this agreement. 13. CLAIMS I agree that within fourteen (14) days after I receive notification in my periodic account statement/passbook entry that a funds transfer request has been executed, I will notify SBI of any errors, delays or other problems related to that fund transfer. If the funds transfer request has been erroneously executed as result of SBI s error, SBI s liability will not exceed the difference between the amount of the funds which were to be transferred and the amount of the funds actually transferred. Should SBI s conduct result in a delay of funds transfer, SBI s liability will not exceed an amount equal to the interest, payable at SBI s savings account rate in effect in the state of funds transfer, in the amount of funds which were instructed to be transferred or withdrawal for the period of delay. IN NO EVENT SHALL SBI BE RESPONSIBLE FOR CONSEQUENTIAL, INCIDENTAL SPECIAL, OR PUNITIVE DAMAGES FOR EXPENSES IN CONNECTION WITH MY FUNDS TRANSFER. Any claim concerning the funds transfer must be filed in a Court of competent jurisdiction within one year from the date that I have received notification that the funds transfers was executed, or will be barred by law. 14. NOTICES Any notice given to me under this agreement shall be deemed given upon depositing in an official depository of the Republic of Maldives Postal Service, postage prepaid, or by facsimile when sent to the respective mailing address or facsimile address provided by me to SBI. Any change in either address will be promptly advised by me to SBI. 15. AMENDMENT / TERMINATION SBI may amend the terms of this Agreement by giving written notice to me. This agreement may also be terminated; by either party, by giving 10 days notice in writing, effective form the date of receipt of such communication. 16. SEVERABILITY If any portion of this agreement is found to be unenforceable, remaining portions shall remain in full force and effect. 17. GOVERNING LAW This Agreement will be governed by the laws of the Republic of Maldives. 18. INDEMNITY Inconsideration of SBI consenting to act upon funds transfer requests in the manner provided in this agreement, I agree to indemnity and hold SBI harmless from and against any and all claims, suits, judgments, executions, liabilities, losses, damages, costs, and expenses including our attorney s fees in connection with funds transfers made pursuant to this agreement whether brought by me or by my representatives or by any third party. 19. AUTHORIZED ACCOUNTS (Specify only a transaction account, i.e. Current Account or Savings Bank Account.) I hereby authorize SBI to accept funds transfer instructions with respect to the account no 20. AGREEMENT TO TERMS / CONDITIONS I have read and agreed to the terms and conditions stated in this Funds Transfer Agreement. I/we also agree to be bound by the terms and conditions at Para (1) to (20) here above though signed by me/us only on this page. Signature : Signature : Name : Name : Date : 8 Page State Bank of India Account Opening Form

REGISTRATION FORM FOR RETAIL INTERNET BANKING (RINB) The Customer Relationship Officer/ Branch Manager, State Bank of India, Branch Republic of Maldives. E mail: inb.sbimale@statebank.com New User: RINB Facility with viewing rights I/we wish to register as a user of onlinesbiglobal, SBI s Internet Banking facility for my/our following account(s) maintained at the Bank s Maldives offices. Please provide me/us the User ID and Password for the purpose with viewing rights for my/our account(s). Name of customer(s): *Account Number(s) *Please mention all account number(s). Address: Mobile e: Email: (Write in CAPITAL) I/we have read the provisions contained in the Terms & Conditions document of onlinesbiglobal which may revise periodically and accept them. I/we have also read the RINB User Guidelines/Security Information displayed in Internet Banking section under Services Tab on the Home Page of Bank s website www.sbimaldives.com and accept them. I/we agree that the activities executed over onlinesbiglobal under captioned User ID and Password will be binding on me/us. Signature of Account Holder(s): (1) (2) Date: ------------------------------------------------------------------------------------------------------------------------------- -- For Office Use Account holder(s) signature(s) verified Allow INB facility with viewing rights INB User ID UID created and sent on Officer In Charge Date: Assistant Date: 9 Page State Bank of India Account Opening Form

STATE BANK OF INDIA, MALDIVES TERM & CONDITIONS For using www.onlinesbiglobal.com 1. The onlinesbiglobal registration form(s) should be addressed and sent directly to the branch (e.g. SBI Male ) where the applicant(s) maintain his/her account(s) or can be e-mailed to inb.sbimale@statebank.com. Separate registration is required in case the accounts are maintained at different branches. 2. Each account holder in a joint account with mode of operation as Either or Survivor may register himself / herself as a USER of the onlinesbiglobal facility. 3. All accounts linked to a particular customer number whether or not listed in the registration form will be available on the onlinesbiglobal. 4. While accepting Internet Banking facility on onlinesbiglobal.com, the customer accepts such terms, regulations, conditions and stipulations laid down by SBI, from time to time, for the purpose. 5. The customer has read the RINB User Guidelines/Security Information displayed in Internet Banking section under Services Tab on the Home Page of Bank s website www.sbimaldives.com. 6. The Branch, where the customer maintains his/her account, will send two separate mails on customer s Email ID mentioned in the form, having a) User ID & b) Sign-on Password. 7. The RINB application will force customer to change the Sign-on password sent by the branch at first log-on time which must be replaced by a password of customer s choice. This is mandatory. Further, it is recommended to change password periodically. 8. The registered user must keep the User ID and Password strictly confidential and known only to himself/herself and should not divulge the same to any other person. 9. The customer is free to choose a password of his/her own choice for the purpose. As precaution, a password that is generic in nature, guessable or inferable personal data such as name, address, telephone/mobile number, driving licence, date of birth, vehicle number, children name, etc. is best avoided. Rather, it should be unique containing combination of alphabets, numerals and special characters. 10. The customer has an obligation to maintain secrecy in regard to User ID and Password. The bank presupposes that login using valid User ID and Password is a valid session initiated by none other than the customer. 11. There is no way to retrieve the password from the system. In case the User forgets his/her password, he/she will have to approach the bank to reset the password or can send the duly completed relative form available on our website www.sbimaldives.com to inb.sbimale@statebank.com. 12. Never respond to any pop up, email, SMS or phone call, no matter how appealing of official looking, seeking your personal information as user name, password(s), mobile number, ATM card details, etc. State Bank of India never asks for such details. Such communications are sent or created by fraudsters to trick you into parting with your credential. Accepted Terms & Conditions for using onlinesbiglobal.com Signature : Customer Name: Place: Date: 10 Page State Bank of India Account Opening Form

The Customer Relationship Officer/ Branch Manager, State Bank of India, Branch Republic of Maldives. SMS FACILITY REQUEST I/We wish to avail the facility of receiving SMS on undernoted mobile number, for transactions in my/our following account(s). In this regards, I/We request you to register my/our below mentioned Mobile number for the said purpose: Mobile No: +960- Account Number 2. I/We, the undersigned and authorized signatory(ies) of above mentioned SBI account number(s) hereby (jointly & severally) guarantee and agree to hold all branches of State Bank of India in Republic of Maldives, their successors and assignees harmless and indemnified from and against all consequences including any claim, action, liability, loss, charges, expenses, damage or suit that may arise on account of any misuse of our Mobile number registered with the State bank of India. 3. I/We do not want to avail the captioned SMS alert facility. (Strike out if not applicable) Authorized Signatory Authorised Signatory Name of the Signatory: Name of the Signatory : For Office Use Account holder(s) signature(s) verified Mob. No. checked/corrected Allow SMS Alert facility SMS Alert activated on Officer In-Charge Assistant 11 Page State Bank of India Account Opening Form

Schedule of Charges (As on 01.04.2014) (Subject to change from time to time) Services Savings A/c Current A/c MVR USD MVR USD a Minimum Balance to open an account 1000.00 100.00 10,000.00 2,000.00 b Minimum Balance requirement 1000.00 100.00 10,000.00 2,000.00 c Interest on Balance (Applied twice a year, i.e., at the end of June and December) 2.50% 0.50% Nil Nil d Issue of cheque books (SB 20 & CA 50 leaves) 40.00 3.00 100.00 10.00 e Cheques returned due to insufficient funds 200.00 20.00 300.00 20.00 f Stopped cheques (per cheque/request) 50.00 5.00 75.00 5.00 g Issue of Statement of Accounts 50.00 5.00 Free Free h Account Statement (to overseas by fax) per page 50.00 5.00 30.00 2.00 i Issue of Duplicate Passbook for SB & Statement for CA (in the event of passbook being lost / misplaced) 50.00 3.00 150.00 10.00 j Account closure charges 50.00 5.00 150.00 10.00 k Un-remunerative Account Charges (to be charged twice a year, i.e., at the end of June and December 100.00 10.00 1000.00 50.00 l For withdrawals (SB - USD 2001/- & above & CA USD 10,001/- & above per month) -- 0.50% -- 0.50% m Issue of ATM cum Debit Card 50.00 5.00 50.00 5.00 n Annual Fee for ATM cum Debit Card 50.00 5.00 50.00 5.00 o Issue of Duplicate ATM cum Debit Card 150.00 10.00 150.00 10.00 p Re-issue of duplicate PIN for Internet Banking / ATM Card 50.00 MVR 50 50.00 MVR 50 q Commission on transfer of salaries per employee a/c 15.00 5.00 -- -- (Note : As Service Charges are subject to change from time to time, customers are advised to visit our website www.sbimaldives.com for latest charges/fees) --------------------------------------------------------------------------------------------------------------------- FORMAT OF A LETTER FROM AN EMPLOYER IN LIEU OF RESIDENCE PROOF (On Company/Government Department s Letter Head) The CRO / Branch Manager Date : State Bank of India Dear Sir, OPENING OF ACCOUNT: PROOF OF RESIDENCE This is to confirm to you that the following person is employed by me/us and confirm his/her identity details and residential address as follows; Name: Passport No. : Work Permit No. : Residential Address in Maldives : I request you to kindly assist him/her in opening the account. I/we undertake to inform the bank in the event of his/her leaving the company/department. Thanking you, Yours faithfully, Authorised Signatory Name & ID No. Contact No. 12 Page State Bank of India Account Opening Form