How to emulate 3 dictionaries?

[philsmd]

cudaHashcat64.exe -m 0 -a 1 -o results.txt -j $. -k $@gmail.com --outfile-format=3 hashes.txt names.txt surnames.txt

This should generate name.surname@gmail.com, right?

No. See https://hashcat.net/wiki/doku.php?id=rule_based_attack

Append Character $X Append character X to end

It says append character. This means that you need to append each and every single character of the word.

Like this: -k '$@ $g $m $a $i $l $. $c $o $m'