GENERAL POWER OF ATTORNEY

KNOW ALL MEN BY THESE PRESENTS THAT I, Smt. Jyoti

Sunderlal Kurseja, wife of Sunderlal Kurseja, proprietor of
JYOTI ENTERPRISE, at: Munsi market, Munsi Khancha,
Laheripura, Vadodara and residing at : Makan number 304,
Krishna Tower, Opp. Bank of Baroda, RV Desai Road, Vadodara,
Adhar Card No.: 6565 2902 9615, DO HEREBY APPOINT AND
CONSTITUTE Shri Bharat Chandrakant Joshi, son of
Chandrakant Joshi, residing at,: C-37, Ram vatika Society, Near
Nakoda, Waghodiya road, Vadodara - 390019. Gujarat India.
Adhar Card No.: 9510 4666 4856 (hereinafter called the ‘Attorney’
who has subscribed his signature hereunder in token of
identification) as my true and lawful Attorney in my name and on
my behalf to do any or all of the following acts, deeds and things.

I Smt. Jyoti Sunderlal Kurseja, proprietor of JYOTI ENTERPRISE,

holding Current Bank Account No.: 01920200001267 in the
name of JYOTI ENTERPRISE in Bank of Baroda, Laheripura
Branch, Vadodara - 390001. I, Smt. Jyoti Sunderlal Kurseja,
unable to operate the above said account myself as I am going to
Canada. Therefore, for reasons of convenience, I appoint an
Attorney and confer upon the following irrevocable powers herein
after stated. Already my attorney handling my business for so
many years.

Now these presents witnesses and I, Smt. Jyoti Sunderlal Kurseja,

proprietor of JYOTI ENTERPRISE, do hereby nominate, constitute
and appoint Shri Bharat Chandrakant Joshi, age: 57 years,
residing at C-37, Ram vatika Society, Near Nakoda, Waghodiya
road, Vadodara - 390019. Gujarat India. to be my true and lawful
attorney for me and in my name and on my behalf to do all
necessary and required things in respect of operation of Current
Bank Account No.: 01920200001267 in Bank of Baroda,
Laheripura Branch, Vadodara - 390001. held by me as aforesaid
that is to say:

1. To look after and manage our above mentioned Current Bank

Account No.: 01920200001267 in Bank of Baroda, Laheripura
Branch, Vadodara - 390001. peacefully and quietly on behalf
of me.
2. To operate Current Bank Account No.: 01920200001267 in
Bank of Baroda, Laheripura Branch, Vadodara - 390001. as
per rules and regulations laid down by the Bank, RBI and
other regulatory authorities.
3. To handle Current Bank Account No.: 01920200001267 in
Bank of Baroda, Laheripura Branch, Vadodara - 390001. on
my behalf.
4. To deal with all types of cheques i.e. bearer cheques, cross
cheques and other electronical transfer methods etc.
5. To deposit cash or withdraw cash on my behalf.
6. To make all payments in Rupees including payments for
eligible investments subject to compliance with relevant
regulations made by the Reserve Bank of India.
7. If any problem arises at that time to approach to the Bank’s
Branch and solve the problems.
8. My attorney is also permitted to sign, draw, accept Cheques
and other Negotiable Instruments.
9. To sign all the documents, correspondence to be made with
the Bank authorities and other required authorities on behalf
of me for making operations, complaints, requests,
representations and also to make any claim, pay penalties,
damages, charges etc. on my behalf.
10. And I hereby for myself, my heirs, executors and
administrators ratify and confirm and agree to ratify and
confirm whatsoever my said attorney acting under here shall
so or purport to do by virtue of these presents.
11. To deposit the monies realized from sale of the goods, etc
with the above said bank and keep them invested/deposited
until repatriation of the same.
12. To operate my said Current Bank Account No.:
01920200001267 in Bank of Baroda, Laheripura Branch,
Vadodara - 390001. and to draw cheques on the said account
and to give instruction in writing involving debits to the said
account transfers thereon etc, for payments only. To make
withdrawals for investments.
13. To deposit and/or discount cheques and other instruments in
the said account and for this purpose to endorse on my behalf
cheques, drafts, pay orders and other instruments payable to
me and also to execute necessary documents in this regard.
To make deposit from balances available in the account in my
name and renew such deposit etc. for such periods as may be
given in writing.
14. To certify balance confirmation statement and statement of
accounts issued by the Bank in respect of the said account/s.
To receive and acknowledge on my behalf any notices letters,
communication etc. from the above bank and which shall be
deemed to have been received/acknowledged by me. To
make, draw, endorse, accept or otherwise sign, deposit any
cheques, bills of exchange, promissory notes or other
negotiable instruments and to discount the same with your
bank.
15. To invest any amount from the said deposit in fixed deposits,
etc.
16. To issue written instructions with regard to the said account/s
for disbursements.
17. To enter into, make, sign, execute, deliver, acknowledge and
perform any agreement, deed, writing or thing that may in the
opinion of the ‘Attorney’ be necessary, proper and expedient
for the aforesaid purposes. The acts, deeds and things
lawfully done or got done by my Attorney by virtue of these
 presents for the purpose shall be construed as acts, deeds
and things done by me.
18. This Power of Attorney shall continue to be in force until I/we
expressly revoke it by a notice in writing delivered to the bank.
19. This POA issued is not for any monetary consideration and is
only with intention to enable the said attorney to do all acts
specified in these presents solely on my behalf as my lawful
attorney. I do hereby confirm and declare that no
consideration has been flown to the said attorney for acting as
my lawful attorney as stated herein.
20. However, my aforesaid attorney is specifically excluded from
powers:
i) to open any bank Accounts on my behalf,
ii) to repatriate funds abroad,
iii) to make application for obtaining any financial
assistance or loan facility,
iv) to close my account,
21. Bank shall be indemnified and held harmless by me for any
and all actions taken by my POA holder regarding my
accounts at Bank, regardless of whether within the intended
scope of this Power of Attorney or not; therefore, Bank shall
have no liability for the actions of my POA Holder or for
following the directions of my POA Holder in connection with
my bank accounts at Bank.
22. The signature of the attorney so appointed by me is attested
below. Ratify and confirm all and whatsoever the said
Attorney should do or purport to do or cause to be done by
virtue of these presents.

IN WITNESS WHEREOF, I, the Executant have put my hands on

these presents in the presence of the following witnesses and seal
on this day and year herein below mentioned.
I hereby undertake to ratify and confirm all and any acts that the
‘Attorney’ does or causes to do on the basis of this Power of
Attorney.
In Witness Whereof, I, Smt. Jyoti Sunderlal Kurseja, proprietor of
JYOTI ENTERPRISE, have hereunto set and subscribed my
hands at Vadodara on dated _______________________.

Passport number of Executant: - _______________________

PAN / Aadhaar Card / ID Card of ‘Attorney’ (Please enclose

self-attested photocopy of corresponding document of Attorney):-

__________________________
(Specimen signature of ‘Attorney’)

Signed and delivered by

___________________________
(Signature of Donor / Executant)

in the presence of
Witness :

1. ____________________________________

2.____________________________________