GOLD LOAN AGREEMENT “This agreement made by the Borrowers)’ primary pledge, on———-lay of tse SEE Stern ce the dls whereof are given ate nd of the Agreement (herinaer {aledthe"Barower” which expression shal nla te wcessors exert, xis lezal her nll persons claiming! desving tle thee under) IN FAVOUR OF [BANDHAN Bask Lid. Ranking Company incorporated unr the provisions cf Companies Ac, 2013, canying on i busines of banking under Banking Regulation Act, 1949, having is Reghtered ofice t DN.32, Sect, Slt, [Lake Ci Koikata-700091 ad oe of wach among cer plaes, (heifer called the "Bak and shall ichade executors, Ministatve succes, minor & sien) Wenia:as we Bore: nas requested the Hank vide aplication ded ~to sanction Gold Loa iit against secant of gold onan, [AND WHEREAS the Bank has apes to gran! thsi oan inion terms na conaions set out he Sanson Leer dat gas the security of golds speed in‘Onld Deport Rees Caremater refered toa the Secy) which i agreed bythe borrower. [NOW THE BORROWER WITNESSES AS UNDER 1/ We hereby declare thatthe gold oromensgol coins described under praise ceria old deposit receipt to be deposited as security wih the ‘Bandhan BANEISANE) DEINE Sey 0 mes. We Cet aetare al IE pol omaments & gold coe ine eect hallengsd by any peso nay mann, isnot sparious or of nfear quality and has bee acquited by me! 1s from genuine sources an i my/our boafde property and no he person fas elim len or charge azn We acknowledge hat the Bank shal have no laity for any consequences sing out of any erroneous details provided by mols and Uwe salle the Loan solely forthe purpose stated in the Loan aplication form and ill roe wed for any speculative or ant social purpose. Weare thatthe valuation ofthe gol manent & gold coin shale done ‘byan mdependnt appre ppoiied by the Bank andthe lon mount hall be detenined by the Bank onthe bas ofthe vale ofthe gol sect 8, set out in tbe valuation report provided by the apr. Such value shal be Chet inte mare pln fh gad marca nb “amount of lan wil be conveyed by meus bythe Bank. [We anvae the onneroint-owners and anlar in ponsention of extn gld ‘mnamentsGold Sceuriy" over which /We will rete fst andexelisive ‘hare iy way of pledge m fv the Hank Gold omaments & jewelery pledged with the hank shal be ket tthe ak of Ahehoromer inthe enn fs the Rank xevising ony th ny ore ofthe safe custody The Rank shall ma be haben cate of any damage othe Stiles by reason of ecient, force majeure, at of God ete [We agree dat the Bunk shal be ei te ape sh eae racket daring ‘enor ofthe Loan and conduct investigation in conection wih te quality of | (Gis Security stinyour cont at anytime and We world be solely tesponmble fovany crepancy nthe purty weight ick God Secu, Weagre hs ‘th Bak ha the ght nyt o r-apprsevry th all emament vis deposited with itand we woul be solely responsible oan diserneney {nthe puny weight of such armaments & god coins. We volar hereby provide our ancondtionsl consent othe Bank for conden al ee for the pups of valuation of my gold omamentois in my/our presence ot ‘ith mylour presen, incluing pointed scratching and acid tt or ary ther verfcaon asthe Bank may require We agree tht, the Bank shall othe ese end agin heal mame gold eine any amok Inclusive of interest exceeding Scot teneteppabed vale of he {old omaments& coin, The Bank shall et ibe to ary the said margin from time to tinea at se diction ant mca f down Mctuaons Fepuyacot wo cover the margin on one weck’s notice .UWe ogres tat. te time of enewal ofthe Loan whether ring or after te expiry of he tee ‘oC the Lon, Ie may aquest the Bak to gant the renal to meus 093 ‘higher ower loan -0 vale ratio o any oer enn hich the an yaw itso and absolue discretion sujecto payment of such fe the Bank may presi 7 igi ht indy in wa a py me Tae bunk may gras en such condos a may deem fi, including without limitation tbe payment prepayment oe part payment charges esther bs 4 ulated bythe bank, which pepayment ad or ar pyenent chs maybe applica and cllecod by te Bonk eter ath ine of matty oF ‘lose oFenewal, whichever is eater Without peje to ay ter nights that he Bank may have unde as ease of non payicat ofany dus, 1 We stale able op ational neresdtul ret at ich rete ay be scribed hy the Banko the etre Laan pis the meres de and experts incued, if any, on dat dat. Part payment by customer tobe alone any numberof es during the wnure of fans, minimum of 1 iret dae [He lounasount be paid a pat pyment whichever thighs We age th he Rank may, without assigning any reason and yon writen Amand repayrcat thereof. Upon such aati, the sd Des sll Beme forth due an puyabe by me's tothe Bank, [We hereby authori Bank to cary out the RTGS/NEFT transaction as per deals mentioned inthe application. UWe understand tat RTGSNEET ‘equesissubject tthe RBI regulations nd guidelines governing the sie. I ‘We fater acknowledge tat Bank accepts no nity for ay casequences fui out of eronevs detail provided hy mete. [We contr shat, the God Securiy and any oer scurty fished by me! ‘tothe Bank wil be released only upon payment in lf the sid Dues by ‘netuto me Wark mung the sce! and expenee cor nce the value of Gold Security alls lowar than the regu margn ofthe Bank sc aplicable from te ote, without pie the rg to declare on ea! of Deft ener Cease 20 an oo cght o sl the Gold Sect, andr excise any oer right o remedies avaible withthe Bank hereunder ‘or ander a TW shal, thin seven) das of notice fom the Bank's sole sscretin, deposit withthe Bank, such adional sec, a may be We ape tat, nation to any gener ie simi ight to which the ‘Bank as banker maybe ened yl the Bank raya ay time td without {alist the Bank snl set of or transfer any sor aus standing 0 the credit of ay one or more of such accounts nor towards station of any ofthe mou abies tthe Bank ov any othe account o in any oer ‘espe whether ich ables be actual or contingent, primary oe elaeral and sever ojo {We arc tha, Bank may pen muliple courts in my! ou nels within ‘meaggreaae facies anetoned ome anal eters ahd conons ofthis Agreement sal be applicable wall sich ascouns opened tobe opened with he Bank, ‘re pee he he mest calculmon Wit Be done on the ba Oe ‘uttsiig balance metho and an the bast of 36S dye nd eat habie to pay the Bank penal cages st Se pa.on the balance due othe ‘Bank fon tne date of maior Tae a inte te margin on fle rept in repaying the Elance dies othe Bank. [We ago tat the pena ‘charges may be revised frm tine Wo time in accontance withthe Bak’s poli and ach revined charges would he ronpectvely made applicble 1 UWe ilo main sh magn feo fw sal on em, {ul ornelet to epy the balanced othe Ban, isha be awl forthe ‘Bak fait or anytins there and ater fal reminder ace in writin 0 symm for days ae giving ac mie, oe or trie apo otal {ofthe sid orament isto be deposed y pled, ite togetir ia Ins or separate ctherby publi acon cr rat sot and suet ach Sendo se ast i Ge sch and apy he et proces ot ‘och sale in or toward tbe gation of he lnc en ct the Bank ‘Any shor alr the adjstent ofthe et sale posed sal be epi forthwith by mus on demand by the Bank SCHEDULE OF CHARGES ‘Stamp Duty at actuals. Proceming Fon + Servite Ths » Fore closer charges + Service Tax... 6 All the above charges are subjost to change as per bank's dsroton from time to time 2) Valuation Charges + Service Tax Penal Interest On Overdue Amount» » ° » » ‘We agree that, in the event of there being a surplus available ofthe net proceeds ofsuch sale after payment in fil ofthe balance duet the Bask ‘tshall be lawful forthe Bunk to retain and apply the said surplus toward Dsyment or liquidation of any and eter meney which shall be or ms besome due 1 the borrowers or any of them whether singly or jointly with anyother persons and whether principal debtor or sur: That any notice in writing required to be served horeunder shall be sulcealy served if aresced to melus, ator adress resisted in the ‘Bank orin the event of no such ares being registered in the Yank at our Inet known plane ofrcidone or business and Tet at auch other addres or place aforesaid or forwarded to me/us by post at the adress aforesaid. ‘A notice sent by the post deemed 1 be given athe time when in de course of post it would be delivered at the aes o which it is set and im proving that such notice was posta certificate sined by the Bank's local manager or agent or cher authorized ofce that envelope Was ponted shall be concisve proof of delivery That, Demand promissory note executed by mess shall operate as ‘continuing security to you to be enforceable forthe repayment ofthe ultimate Balance or all such sum remiining wopaid under the said oan acity now of eteaner. we G0 needy also wate my/our FAS ot the presentment ofthe aforesaid Demand Promissory Note and further request you to note to dispense with «notice of dishonor in terns of section 98a) of Negotiable instrament act 881, and that nthe event of ‘payment aot being made on demand by us, Bandhan Bank Lid, may at its sole disretion give time for payment to molus without disharsing mola rm Habliy ‘The Following eveot shall constitute cveats of default and upon coceurence of which, the cus tthe Bank shall become immediately de and payable by meus othe Bank and further enable Bank to enfores the Gold security. Failure on my/our part to perform any ofthe obligations hereunder or if any cieumstance or event occurs which adversely affects my/our ‘capacity to repay the lon or any part thereof my/our obligations [any ofthe representation or statements or particulars made by mess [the Yoan and interest isnot repaid onthe date of maturity'as per the Limelin specified by the bank Upon detection of any systemic eau in elation ote quality of the gold bythe Bank Ifthe vale ofthe said Gold Security alls ower than the required margin ofthe Bank as applicable fom time to time, de to change im market price (whether atl cr reasonably anticipated) or any eer reavon cei ‘here is any deterioration or any part thercof, which causes the security in te Judgment ov he Bank to become unsatsactory in earacer ovale. fits discovered that here is any collusion between the sppralser and ‘melu resulting na radulent nd erroneous valuation of gold ornaments ‘coins orn eate the Bank has a reasonable suspicion i this epard. [any atachment, distess, execution o other process aginst mots or any ofthe security is enforced evied upon In the event of death, insolvency, commission of an at of bankruptcy of sither of us Any atempr by meus, without prior writen consent ofthe bank to create ‘any charge, les, morgage of any other encumbrance aver the gold ‘ornaments & coins, 19, Upon the occurrence of an Event of Default, We authorize the bank to sell the Gold Security in the open market afer giving melus a suficient notice not less than 7 days through speed/Regd post, which U'We agree ie» rsconablepoiod forthe purpose of Section 176 ofthe Contec, 1872, The proceeds so realized from the sale ofthe Gold Security shall be tied towards the repayment of Dues under the Loa, lathe even! that the proceeds so realized or insuficient to mest the amount of Due, the Bank may take such ater and further action ait may deta necessary 20, to realize the balance amount from mews, fn ease of more than one borrower, meagre tat ou ability shall be joint and several, In case of my/our fle to repay the loan, Vive hershy authorize Bandhan Bank o polish myiour photographs inthe rit media under the tte ofa defauterof loa, 1am also aware thatthe right to publish ‘he photograph shall solely be with the Bank andthe Bak shall have the ‘isereton to publish the photographs of al rslacied default. 1UWe agree that, as per RBI guidelines, clasification oF sceounts ws NPA, sone Borrower wise and not Folly wise and hence it may be noted ‘hatin cae of non-payment of dues bythe eatomer in ease of any ili availed from the Bank and consequeatly the account isto be clasfed a5 NPA, all otber loan accounts oF the BorroweniCard Holler, ith the ‘Bank also shal be classified as NPA as per the guidelines issued by RBI it shal emt the Bank 0 eecall al uch oan facilities availed by the same customer fom the Bank, respective of the regular repayment in ch accom We undersand that asa pre-condition, lating 1 grant of the loans! sdvancesother funds based andr non fund based credit fiiles to seta, the Dank requires our content forth diclocure by the bank Of, infomation and data relating to us of ered facility availed otto he ‘tailed, by us, by obligations asumedto be assumed, by us, in relation thereon to and default, if any, commited by us, in discharge treo Accordingly, Lie hereby agree and give consent forthe dsclonure by the Bank of all or any seh Information & data relating ous ‘The Information and data relating to any credit facility availed oto be walled by us and Defaul, any, committed by ws, in discharge of any such obligations ‘As the Banke may deemed appropriate and necessary to disclose and furnish to CreitInfermation Bureau (India) lid and any other agency authorized in ths bol by RBI TW, undertake that ‘The Credit Information Bureau (Indi) Li and any oer agen, 0 auorzed may use, process ibe Sid formation and data asciosed Ry the Bank in 2 manner as deemed fit by them and ‘The Credit Information Bureau (India) Ll, and any other agency, so authorized may farnish or consideration, te proceed information ad ‘data or product thereof prepaid by them, to Bank's and other credit rants or register users, as may be speified bythe RBL in this behalf We confirm having reesived, read and understood the terms and ‘onions applicable to thie Laan and accept Resby without notice the terms and conditions unconditionally and agree tat tis terms and ‘ein gy be sac by Ue Bah ye salle Bod boy amended tems and condiions. All T&C of loan arsement willbe ‘updated onthe bank website fom time to ine, In cave of literate customers ‘The contents of this applfeation form and all Town documentation have hoes read over and translated into language and ‘explained tothe Borrower(s) and He'She/They having understood the contest thereof have subseribed to these presents (State the language of the borrower) Tobe signed by «third pany other than bank employee Siuned and Delivered by the within named Bank . Bandhan Rank Lid through it's authorized official For BANDHAN BANK LTD. Tatharsed Santon” Applicant Name “Sitar ol the Appian processing time of epronimety 2 working dys frm the dae of receipt ofthe Complete application for Tiss ACKNOWLEDGMENT FOR RECEIPT OF APPLICATION FORM Date Tm ‘Bandhan bunk has received your application for gold lan fr Rs. subject submission of ll documents as per bank's rsquirement ‘The Bank Would require 2STANDING INSTRUCTION From: or Eucuton 2 Standing insiction Dea Sit) Madam, “This is in reference tothe God loan of INR. snl ROPER _ )sumctoned te metus by Bandhan bunk sutraneh My Gold Loan AJC Novis ‘customer ID i eo 1 authorise yout debit Sum OF LO RE Rupees. --)on the Ost 05th of every month, staring fom {omar rom my savings AIC No. ‘in Your branch wards Monthly Pate Monty Ttlinne eh est you. “This instruction is irevoeable Your truly (Borrower's Signatore) DEMAND PROMISSORY NOTE Bien . (ON DEMAND, WE, ‘promise to pay to BANDHAN BANK LIMITED (Lene) or ‘order the sum oF RS ‘Rupees. seus Oly) together With iterest fom the dete ‘hereof at ..% pr annum or sch othe ate the Lender may fis trom ime to ime, compounding and payable with dilymoutly! quarter ret for value received. ‘The borrowers hasave to sign across the revenue stamp & DP note Pave Date "LOAN SANCTION LETTER Branch Name ofthe Borower Lowa A'C No, ‘We referto the loan aplication submited by you & ar pleased to sanction the fiity a8 detailed below Ratre OF Failiy (Gold Loans Tan Amount (INR) Tosa Tenor Fixed Interal Rave ‘& pa ‘Matanity Date Deiat interest Te = month on the overdue salen on Tnsrument | Re 5007 plas applicable service Tax pe instance Repayment Ist return charges Repayment Option Upton ont) teres pein PT EM amount if applicable Applicable cha Processing Fess *wof Loan amount Stamp Chasgea of eterno Valuation Charges Charges for extra statements Rs SO plas Tax Primary Secu Pledge of Gold Ornaments coins ‘Mode of disursement Direct Credit DD, RIGIN SeNo, OFGDR ERT Gash The applicant acknowledges that 1 woe wit ds oa application fom be customer Ras not made any payment n cash beater chee OF m Kind ‘Loan contin variations along with interest rat uctatons wil he applicable & binding on me As clasifcation of NPA is borrower wise & not facility wise, hence cassiicaton of NPA of oe Facility will enitle the bank to recall other loans, imespetive of regular repayment in such accounts Declaration from Borrower ‘We understand & accepthe tm & conditions mentioned shove, We look forward toa mutually beneficial & long-term elationsip Thanking you Accepted For Bandhan Bank Authorized Signatory Applicant's Signature