Friends, in this fast changing financial world what does a bank mean? The bank of today and the future is about simplicity, solutions and convenience. We at Kotak as a group offer to you bank plus- everything which you expect from a bank- Savings Account, Current Accounts, Deposits, Home loans, Car loans, Personal loans and much more. As a group we offer to you Mutual Funds, Stock Broking, Life Insurance and every major financial service which is important to you as our customer. We are believers in this long term relationship and partnership between you our very valuable partner with us providing these range of services at cutting edge customer quality. I on behalf of all of us at Kotak promise to you Kotak Advantage, a unique advantage in a whole platform of financial solutions for your brighter future. Thank You.