osvee yeQkeâefveJesMekeâ mebheke&â keWâõ

ØeOeeve keâeÙee&ueÙe : ceskeâj še@Jeme&, ‘F&’, 10JeeR cebef]peue, keâHeâ hejs[,cegbyeF& - 400 005

heeryeerSkeäme ueeF&ve : 22189151-55 (efJemleej 321/322)šsueerHeâesve : 22186297 Hewâkeäme : 22186297

efØeÙe MesÙejOeejkeâ,1. yeQkeâ Deehekeâes men<e& metefÛele keâj jne nw efkeâ yeQkeâ kesâ MesÙejeW keâes

Fueskeäš^e@efvekeâ ¤he ceW jKeves Deewj keâejesyeej keâjves keâer megefJeOeeØeoeve keâjves kesâ GösMÙe mes Deye nceejs MesÙej vesMeveue efmekeäÙeesefjšerpeef[heesefpešjer efueefcešs[ (Sve Sme [er Sue) Deewj mesvš^ue ef[heesefpešjermeefJe&mespe (Fbef[Ùee) efueefcešs[ (meer[erSme) Éeje Fueskeäš^e@efvekeâ ¤heceW mJeerkeâej efkeâÙes peeles nQ~

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6. Fueskeäš^e@efvekeâ / yeskeâeiepeer ¤he ceW ØeefleYetefleÙeeB jKeves SJeb keâejesyeejkeâjves kesâ HeâeÙeos efvecveefueefKele nQ:

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lllll oes<ehetCe& ef[ueerJejer Deewj JeemleefJekeâ ØeceeCehe$eeW mes mebyebefOelemeYeer peesefKeceeW pewmes-iegce nesves, Ûeesjer nesves, keâš-Heâš peevesDeeefo keâer meceeefhle~

lllll ØeefleYetefleÙeeW keâe lelkeâeue š^ebmeHeâj Deewj jefpemšsMeve, efveJesMekeâkesâ mše@keâ keâer lejuelee ceW yeÌ{eslejer~

ef[heesefpešjer heæefleDEPOSITORY SYSTEM

Dena BankInvestor Relations Centre

Head Office : Maker Towers ‘E’, 10th Floor,Cuffe Parade, Mumbai – 400 005.

PBX Lines : 22189151-55 (Extn. : 321/322)Tel.: 22186297 Fax : 22186297

Dear Shareholder,

1. The Bank is pleased to inform you that the sharesof the Bank are admitted in to National SecuritiesDepository Limited (NSDL) and with CentralDepository Services (India) Limited (CDSL) witha view to facilitate holding and trading of its sharesthrough electronic mode.

2. Your Bank is also registered with Securitiesand Exchange Board of India (SEBI) as a DepositoryPar ticipant (DP) and has joinedwith NSDL in offering full range of depositorysince 23/12/1997 through its Capital Market Branch.

3. The concept of depository, benefits of holdingand trading of shares & securities in electronic formis explained here below for the benefit ofthe shareholders.

4. A depository is an organisation wherein physicalelectronic book entries to facilitate tradingand settlement in the electronic form. It functionsand interacts with the customers and clearingmembers of the stock exchanges throughthe Depository Participants (DPs).

5. The investor has an option to hold securities fullyor partly either in dematerialized (electronic) formor physical form. The investor can also withdrawhis securities in physical form by opting fordematerialisation.

6. The benefits of holding & trading of securities inelectronic/demat form are enumerated hereunder:

lllll No stamp duty for transfer of shares, units ofmutual funds and debt instruments indepository (In case of physical shares, stampduty of 0.5% is payable on transfer)

lllll Elimination of bad deliveries and all risksassociated with physical certificates, such asloss, theft, mutilation etc.

lllll Immediate transfer and registration ofsecurities, increasing liquidity of stocks withthe investor.

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lllll yeskeâeiepeer keâejesyeej keâer ØeefleYetefleÙeeW SJeb efveefOeÙeeW keâer Gmeerefove Øeeefhle Deewj Yegieleeve nesvee~

lllll leer›e efveheševe Øeef›eâÙee~lllll jeFšdme, yeesveme Deeefo pewmes keâejheesjsš ueeYeeW keâe Fueskeäš^eefvekeâ

¤he ceW mebefJelejCe~lllll yeskeâeiepeerke=âle ØeefleYetefleÙeeW ceW keâejesyeej keâjves kesâ efueS keâF&

oueeueeW keâes oueeueer kesâ Yegieleeve ceW keâceer~lllll keâeiepeer keâej&JeeF& ceW keâceer~

7. Deiej Deehe ef[heesefpešjer efmemšce ceW meefcceefuele neskeâj Fueskeäš^e@efvekeâ¤he ceW Deheves MesÙejOeejCe keâjves kesâ FÛÚgkeâ nQ lees nceejer kewâefhešueceekexâš MeeKee, cegbyeF& DeLeJee Deheveer ef[heesefpešjer menYeeieer ([erheer)ceW Dehevee Keelee Keesue mekeâles nQ Deewj yeskeâeiepeerkeâjCe kesâ efueS[erheer kesâ ceeOÙece mes MesÙej ØeceeCe-he$e yeQkeâ kesâ hebpeerÙekeâeW kesâ heemepecee keâj mekeâles nQ~ leoghejevle [er. heer. megefveefMÛele keâjsiee efkeâJeemleefJekeâ MesÙej meefš&efHeâkesâš efvejmle nes ieS nQ Deewj yeQkeâ/jefpemš^ejDeewj MesÙej nmleeblejCe DeefYekeâlee& Éeje melÙeeheve efkeâÙes peeves kesâyeeo [er. heer. MeeKee ceW Deehekesâ Keeles ceW Fueskeäš^e@efvekeâ ¤he ceW MesÙejeWkeâer meceeve mebKÙee ›esâef[š keâer peeSieer~ Deehekeâes hegve: keâeiepeerkeâjCekeâer Øeef›eâÙee kesâ Éeje MesÙejeW keâes JeemleefJekeâ ¤he ceW Deheveer Fueskeäše@efvekeâMesÙej nesefu[bie keâes hegvehe&efjJeefle&le keâjeves keâer Yeer Devegceefle oer ieF& nw~

8. nceeje yeQkeâ efvecveefueefKele mJe¤he keâer ef[heesefpešjer mesJeeSb Øeoevekeâj jne nw:lllll yeskeâepeieerkeâjCelllll hegvekeâe&iepeerkeâjCelllll ceeefke&âš Deewj Dee@Heâ ceeefke&âš JÙeJemeeÙe oesveeW kesâ ceeOÙece mes

yeskeâeiepeerke=âle ØeefleYetefleÙeeW ceW keâejesyeej Deewj efveheševelllll yeskeâeiepeerke=âle ¤he ceW ØeefleYetefleÙeeW kesâ Deeyebšve keâer ØeeefhleÙeeblllll keâejheesjsš megefJeOeeSb pewmes yeskeâeiepeerke=âle ¤he ceW yeesveme, jeFšdme

Øeehle keâjveelllll yeskeâeiepeerke=âle ØeefleYetefleÙeeW keâes efiejJeer / Âef°yebOeve jKeves keâer

megefJeOeeSb (hebpeerkeâjCe, ØeJele&ve/ØeeflemebnjCe)lllll ØeefleYetefleÙeeW keâes jeskeâvee / DeJe¤æ keâjveelllll veeceebkeâve megefJeOee

9. DevÙe metÛeveeSb/mhe°erkeâjCe DeeJeMÙekeâ nesves hej Deehe efvecveefueefKelemes mecheke&â keâj mekeâles nQ : MeeKee ØeyebOekeâ, osvee yeQkeâ,kewâefhešue ceeefke&âš MeeKee, 17, neefve&ceve meefke&âue, Heâesš&,ce gcyeF & - 400 023. otjYee<e me b.: 022-22661206Hewâkeäme meb.: 022-22694426

Deehekeâe,ke=âles osvee yeQkeâ

nmlee/-Sce. peer. mebIeJeer

cene ØeyebOekeâ

lllll Pay in & Pay out of securities & funds is onthe same day for scripless trades,

lllll Faster settlement cycle,

lllll Disbursement of Corporate benefits like rights,bonus etc. in electronic form.

lllll Reduction in brokerage by many brokers fortrading in dematerialised securities.

lllll Reduction in paper work.

7. If you wish to maintain your shareholding in theelectronic form by joining the depository system,you may open an account with any DepositoryParticipant (DP) our Capital Market Branch,Mumbai, and lodge your share certificates, throughthe DP with the Registrars of the Bank fordematerialisation. The DP will then ensure that thephysical share certificates are cancelled and afterverification by the Bank/ Registrar and ShareTransfer Agents an equivalent number of shares willbe credited to your account with the DP in electronicform. You are also permitted to reconvert yourelectronic shareholding into physical formof share cer tificates by the process ofrematerialisation.

8. Our bank is offering full range of followingdepository services :

lllll Dematerialisation.

lllll Rematerialisation.

lllll Trading and settlement in dematerialised securitiesthrough both market and off-market deals.

lllll Receipt of allotment of securities in thedematerialised form.

lllll Receipt of corporate benefits such as bonus,rights in dematerialised form.

lllll Pledging & hypothecation facility fordematerialised securities (Registration/invocation/revocation).

lllll Freezing/locking of securities.lllll Nomination facilities.

9. if you need any further information /clarification,you may contact the following person:Branch Manager, Dena Bank, Capital MarketBranch,17, Horniman Circle, For t,Mumbai 400 023. Tel No. 022-22661206Fax No. 022-22694426

Yours sincerely,For Dena Bank

sd/-M. G. Sanghvi

General Manager

ef[heesefpešjer heæefleDEPOSITORY SYSTEM

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