Bank employee: There is still one more option - 'former or survivor'. When you choose this option, only the person whose name appears first can operate the account. The other account holder can operate the account only after the death of the 'former' person.

Gopi Chacha: You can always choose to operate your account. You have to make this choice at the time of opening the account. You can change the choice later if you want to. But you must give clear instructions to your bank.

Gopi Chacha takes them to the bank manager who is very happy to see new customers.

Gopi Chacha: Namaste Ramansa'b.
Bank manager: Namaste Gopi Chacha.

Bank manager: Hello! Raju. I am happy to see that today you have brought your friends to the bank for opening accounts.