PERSONAL LOAN APPLICATION FORM

Application Number 13564869 / A220811474 Application Date: 11 Aug 2022

I hereby request you to grant me Personal/ Education Loan based on the following information

Applicant Detail

Title Name (DD/MM/YYYY)

A Gopinath
Mr. 20-12-1994

Gender Nationality
Male Indian

Email Phone No.

[email protected] +917299123451

Purpose of Loan
Education Related

Pan Card Number Aadhaar Number Ckyc Number

BXPPG1660R 10038048804388

Current Address Permanent Address

117 N S K NAGAR 5TH STREET ARUMBAKKAM Arumbakkam Arumbakkam,,Chennai,Tamil

117 N S K NAGAR 5TH STREET ARUMBAKKAM Arumbakkam Arumbakkam,,Chennai,Tamil Nadu,India,600106
Nadu,India,600106

Proof of Identity Proof of Address

PAN (BXPPG1660R)

Other Details Loan amount & tenure

Source of Income Amount Tenure

SALARIED 150000 22 Months

Monthly Income Bank Account Details

17083
Bank Name
ICICI BANK LIMITED
Company Name
Tractors And Farm Equipment Limited TAFE Account Number
234501509995

IFSC Code
Work Email ID ICIC0002345
[email protected]

IP: 106.198.23.63 Browser Name:Android

Platform:Android Mobile Number:7299123451
Name:A Application id:A220811474
 DECLARATION

1. I/We certify that the information furnished above and documents provided are true & accurate and no material information
has been withheld / suppressed. In case any of the above information is found to be false or untrue or misleading or
misrepresenting, I/We are aware that I/We may be held liable for it. I/We understand that such information and documents
shall be used and relied upon by Fullerton India Credit Company Limited (“FICCL”) for the purpose of sanctioning and
granting the loan.

2. I/We have read the application form and brochures and am/are aware of the terms and conditions of availing finance from
FICCL.

3. I/We hereby authorize & give consent to FICCL to disclose without notice to me/us, information furnished by me/us in
application form/related documents executed/or to be executed in relation to the facilities availed from FICCL, to FICCL’s
other branches, subsidiaries, affiliates, Credit Bureaus, Rating agencies, Service Providers, Banks/Financial Institutions,
Government/Regulatory authorities or third parties for KYC information verification, Credit risk analysis, or for other related
purposes that FICCL may deem fit. I/We waive the privilege of Privacy & Privity of contract and such disclosure shall not
amount to breach of any law, rule, regulation etc. in force.

4. I/We confirm that no insolvency/winding up proceeding or suits for recovery of the outstanding dues or monies whatsoever
or for attachment of my/our assets or properties and/or criminal proceeding have been initiated and /or are pending
against me/us and that/we have never been adjudicated insolvent by any court or other authority.

5. I/We understand that sanction/grant of the loan is at the sole discretion of FICCL and FICCL shall be entitled to reject
my/our application without assigning any reason therefore. Further, disbursement of the loan will be subject to execution
of necessary documents, furnishing of security(ies) and completion of other formalities as required by FICCL. I/We further
agree that my/our loan transaction shall be governed by the rules of FICCL, which may be in force from time to time.

6. I/We confirm that loan shall be used for the stated purpose and will not be used for any speculative or antisocial purpose.

7. I/We undertake to inform FICCL in writing regarding any change in my/our residential or employment address.

8. I/We confirm having understood the terms and conditions applicable to this loan and accept the terms and conditions
unconditionally and agree that these terms and conditions may be changed by FICCL at any time and I/We will be bound
by the amended terms and conditions.

9. FICCL may contact me via phone or email with information on new products and services, for Top-up loans, for selling of
third party products for EMI and other payment reminders and assist me in using any of FICCL’s new offerings irrespective
of the outcome of this loan application.

10. FICCL reserves the right to retain the photographs and documents submitted with this application and will not return the
same to the applicant.
I would like to receive telephonic calls, or SMS on my mobile number mentioned in the Application form, or through any
other communication mode, various loan offer schemes or any loan/other promotional schemes from FICCL, its
employees, agents, and / or associates.
I confirm that Do not Disturb (DND), if any, registered with telecom service providers, for the unsolicited communication
referred in “National Do Not Call Registry” (The “NDNC Registry”) laid down by TELECOM REGULATORY AUTHORITY
OF INDIA LTD will not apply to any communication regarding products and services already availed by me with FICCL.

11. I/We am/are aware that the upfront application fees and the applicable taxes collected from me at the time of application
are non- refundable under any circumstances.

12. I/We am/are not an applicant taxable as a US person under the laws of the United States of America (US) or any state or
political subdivision thereof or therein, including the District of Columbia or any other states of the US. Further, the I/We
am/are not an applicant taxable as a tax resident under the laws of the counter outside India. I/We agree to submit a new
form within 30 days if any information or certification on this form becomes incorrect.

IP: 106.198.23.63 Browser Name:Android

Platform:Android Mobile Number:7299123451
Name:A Application id:A220811474
 TERMS AND CONDITIONS OF LOAN

I/We confirm that the executive collecting my application/documents has informed me/us that:
The interest will be charged on the principal amount of the loan advanced and outstanding form time to time, at the rate agreed between the
parties and as stated in the loan documents

Processing fee/ Documentation fee as deemed fit by FICCL will be charged towards loan application.

Taxes as maybe applicable will be charged in connection with the loan

FICCL will not be liable for loss or delay in receipt of documents. Incomplete/defective applications will not be processed and FICCL shall not be
responsible in any manner for the resulting delay or otherwise.

Documents/photographs will not be returned, under any circumstances, once submitted to FICCL.

Approval of the application is at sole discretion of FICCL.

If my application is accepted and/ or my loan is sanctioned all and/or any disbursals may be made through a mode of Cheque/NFTS/RTGS and I shall
provide all such necessary information to facilitate the same.

Quantum of the loan will be finally decided by FICCL and has not made any commitments to me/us regarding the same

Equated Monthly Instalment (EMI) will be due on 5th / 7th of every month

Loan Prepayment charges deemed fit by FICCL will be charged towards loan closure before end of tenor.

Loan prepayment charges are levied / calculated on the Principal Loan Amount Outstanding on the date of prepayment. Prepayment of Personal
Loan is not allowed until I/We have paid the first six (6) EMIs fully to the satisfaction of FICCL

Other Charges or such other amount as may be specified by FICCL from time to time plus applicable taxes and/or other statutory levies would be
applicable as mentioned in the Loan Agreement and FICCL website and is subject to change as deemed fit by FICCL.

I/We confirm GST registration information and registration number provided is true and correct. I/We understand that if my/our GST registration
number is not provided or is incorrect, then GST Authority may not grant me/us GST Input Credit for GST on charges and accordingly I/We
indemnify FICCL against any and all claims arising in this regard.

I/We agree and understand that the insurance and / or any third party products are not mandatory for the purpose of the Application and
disbursement of Loan hereunder. It shall be sole discretion of the Customer to avail such insurance and/or any third party products sourced along
with the Loan Application.

I/We confirm that No payment in cash, bearer cheque or kind along with or in connection with this loan application has been
collected from me/us and that I/We have submitted self-attested copies of the documents listed in the checklist.

IP: 106.198.23.63 Browser Name:Android

Platform:Android Mobile Number:7299123451
Name:A Application id:A220811474
 PERSONAL/BUSINESS LOAN

LOAN AGREEMENT
This LOAN AGREEMENT (Agreement) contains the terms and conditions availing the loan by the Borrower (hereinafter defined). By accepting the Agreement the Borrower(s) agrees
to the terms and conditions of this Agreement [date and place of acceptance is mentioned in the Loan Summary Schedule (LSS) cum Most Important Terms & Conditions (MITC)
specified below
BY AND BETWEEN
The Borrower(s), details whereof is/are more particularly described in the LSS specified below and, whenever the context so requires, includes a Co-Borrower(s) named there in and
there in after collectively (if there is more than on Borrower(s) referred to as the Borrower(s)) of the ONE PART
AND
Fullerton India Credit Company Limited, a company registered under the Companies Act, 1956 having its registered office at Megh Towers, 3rd Floor, Old No. 307, New No.165,
Poonamalle High Road, Maduravoyal, Chennai-600095, Tamil Nadu, and inter alia a Branch Office at the address, stated in the LSS appended hereto (and herein after referred to as
FICCL which expression, unless repugnant to the context, shall be deemed to include its successors and assigns) of the OTHER PART

Definition:

a. “Products” shall mean specified consumer durables, digital, life style products and/or such other products and/or services as may be provided by the Business Partner and approved
for granting loan by FICCL in its sole discretion from time to time.
b. ”Business Partner” refers to merchants / dealers / vendors / agency /manufacturer who are registered and/or enrolled with FICCL in connection with purchase of the Products by the
Borrower.
c. “Purpose” shall mean the reason for which the Borrower has requested for loan from FICCL and as represented in the application. For instance, purchase of the Products from Business
Partner or for personal use/ business use/ professional use.

WHEREAS the Borrower(s) have agreed to this Agreement by affixing his/her/its physical signature or by way of electronic acceptance, the same are construed as express consent
under the existing laws of India. The Borrower(s) has requested FICCL for availing a loan for the Purpose.. FICCL has agreed to grant the Loan (as defined hereinafter) upon the
Borrower(s) accepting the terms and conditions hereinafter appearing.

the Borrower(s) has requested to FICCL for a loan for profession/business requirements and upon the request of the Borrower(s) FICCL has agreed to grant the Loan (as defined herein
after) upon the mutually agreed terms and conditions herein after appearing.

AND WHEREAS THE BORROWER BY CONSENTING TO THIS AGREEMENT ACCEPTS THE TERMS AND CONDITIONS INCLUDING THE MITC AS SET OUT
HEREINAFTER:-

All capitalized terms mentioned in this Agreement shall have the meaning as specified in the GTC mentioned below
1.1 That the Borrower(s) after having read and understood, has consented to the sanction terms mentioned in the sanction letter received through [email protected].

1.2 Subject to the terms and conditions contained in the General Terms and Conditions applicable to the Borrower(s) for availing Personal/Business loan registered with the Sub-
Registrar's office Chennai, Tamilnadu, bearing registration No: R/Virugambakkam/Book-4/270/2019 a copy of which is available on FICC website
(http://fullertonindia.com/downloads/general-tnc.aspx) (hereinafter referred to as “GTC” which term shall include amendments to the same and any additional terms mentioned by
FICCL from time to time ), the Borrower(s) herein agrees to borrow from FICCL and FICCL agrees to lend to the Borrower(s) the sum specified in the Loan Summary Schedule (which sum
is hereinafter referred to as the “Loan”) hereto. The most important terms applicable for the Loan are mentioned in the LSS. All other terms of the Loan sanctioned will subject to the
terms mentioned in the GTC. The specific and most important terms applicable to the Loan is mentioned in the LSS.

1.3 The Borrower(s) certifies that the information and documents provided to FICCL for availing the Loan are true & accurate and no material information has been withheld/suppressed.
The Borrower(s) hereby authorize and give consent toFICCL to disclose without notice to them, information furnished by them or related documents executed or to be executed in
relation to the facilities availed from FICCL, to FICCL's other branches, subsidiaries, affiliates, Credit Bureaus, Ratingagencies, Service Providers, Banks/Financial Institutions,
Government/Regulatory authorities or third parties for KYC information verification, credit risk analysis, or for other related purposes that FICCL may deem fit

1.4 The Borrower(s) further agrees that this Loan transaction shall be governed by the GTC as specified above. The Borrower(s) confirm having received a copy of the GTC which is
hosted on the website of FICCL. The Borrower(s) further confirm that he/she/they have read and understood the terms and conditions mentioned in the GTC applicable to this loan and
accept the terms and conditions unconditionally and agree that these terms and conditions may be changed by FICCL at any time and accordingly he/she/they will be bound by the
amended terms and conditions.

1.5 The Borrower(s) confirms that::

a. The interest rate would be computed on daily balance basis and charged on monthly rests at the rate as set out in the LSS;
b. Processing fees will be non-refundable. Tax on services as may be applicable will be charged in connection with the Loan;
c. FICCL shall not be liable for any loss of documents /photographs or delay in processing of Loan request due to pendency of documents/information required from Borrower, nor
will it return any documents/photographs, under any circumstances, once submitted to FICCL. Equated Monthly Installment (EMI) will be due on the days and periods as mentioned
in LSS;
d. Loan prepayment charges shall be applicable as mentioned in LSS herein below;
e. Other charges or fees applicable for the Loan mentioned in the LSS are acceptable to the Borrower(s). The Borrower(s) confirm that GST registration information and
registration number provided is true and correct. The Borrower(s) further understands that if his/her/their GST registration number is not provided or is incorrect, then GST
Authority may not grant him/her/them GST Input Credit for GSTon charges;
f. The Borrower confirms that the Loan amount would be utilised for purchase of identified Products or the Purpose requested.

IN WITNESS WHEREOF, THE PARTIES HERETO HAVE SIGNED THIS AGREEMENT IN ACCEPTANCE OF ALL TERMS AND CONDITIONS ATATED ABOVE AND THE
SCHEDULE HERETO ON THE DAY, MONTH AND YEAR MENTIONED IN THE SCHEDULE.
Name of Borrower: A Gopinath _______________________________
Name of Authorised Signatory(for Proprietorship, Partnership & Companies) (Signature)

Name of Co-Borrower: _______________________________

Name of Authorised Signatory(for Proprietorship, Partnership & Companies) (Signature)

For Fullerton India Credit Company Limited _______________________________

Name of Authorised Signatory (Signature)

IP: 106.198.23.63 Browser Name:Android

Platform:Android Mobile Number:7299123451
Name:A Application id:A220811474
FICCL/DF Loan Agreement for PLBL/Version XIV/29 Apr 2021

LOAN SUMMARY SCHEDULE (LSS)

Cum
MOST IMPORTANT TERMS & CONDITIONS (MITC)
Please read carefully before confirming
ACKNOWLEDGEMENT FORM
I/We refer to Lead ID 13564869 / A220811474 I/We have been provided the following information and agree with the same and have accordingly
filled up the aforesaid Agreement:

Name of the Borrower

: A Gopinath
Name of the Co-Borrower

GST No.(if applicable) :

Loan Amount : INR 150000 ( In words: One Lakh Fifty Thousands Rupees Only)

22 months, unless a Payment Holiday facility is granted in which case the term shall be
Loan Tenure (In Months) : automatically extended by proportionate number of additional months in accordance with the
number of Payment Holidays granted and/or otherwise at the sole discretion of FICCL

(A) Interest to be borne by the Borrower 0% (Flat)

Rate of Interest (Per Annum) : (B) Interest to be borne by the Manufacturer / Partner /
Dealer
12%
(Applicable in case of subvention/no cost EMI or
subsidized interest)

Corresponding Flat Rate of Interest (%pa)* : 0% (Flat)

Frequency of repayment : Monthly Total Fee INR 0

ICICI
TATA-AIG
Premium / Prudential HDFC Life
General vHealth
Amount In Life Insurance CHR Report
Insurance (IHO)
INR Insurance Company
company
Company

Third Party Product(s) (including Insurance) inclusive of

: Applicant
taxes

Co-applicant

Total TPP
Amount

EMI Amount : INR 6819 Due date of each Month** 05

Interest paid by the

Borrower is NIL, as the
Examples of SMA/NPA As mentioned in Annexure
Break up between Principal and Interest : Manufacturer / Partner /
classification dates to this Agreement
Dealer shall bear the
interest

Place of arbitration and jurisdiction : Chennai

Additional Interest (applicable for payment default) : 24% per annum of the overdue EMI calculated on day to day basis.

All the charges indicated above or elsewhere in the Agreement shall be inclusive of all taxes &
Taxes & Levies : statutory levies as may be applicable on same including without limitation tax on goods and
services with cess.

IP: 106.198.23.63 Browser Name:Android

Platform:Android Mobile Number:7299123451
Name:A Application id:A220811474
FICCL/DF Loan Agreement for PLBL/Version XIV/29 Apr 2021

The Borrower(s) (applicable for other than the No Cost EMI Loan) shall pay to the
Lender interest on the principal amount of the Facility outstanding from time to time
and other amounts due under or in respect of the Agreement at the applicable Interest
Rate (as reset from time to time) from the date of each disbursement.

In case of No Cost EMI Loan the Borrower shall pay the Principal amount and other
amounts due under or in respect of the Loan Agreement from the date of each
disbursement.
Pre Installment Interest, will be computed from date of disbursement to the due date of
the next month as mentioned in the MITC. It will fall due on the due date falling on the
next month, however, will be charged separately on the due date of the subsequent
month following the next month along-with First EMI (For the purpose of illustration the
Additional Terms and conditions : loan is disbursed on 15th of October, and the due date is 4th of every month and the
First installment date is 4th December. Pre-installment interest in this case would be
computed from 15th October till 3rd of November and will fall due on 4th November.
However, the the Pre EMI will be collected on 4th of December, along with the first
EMI). Pre-Instalment Interest is not applicable in case of subvention/no cost EMI or
subsidized interest.
Following terms and conditions shall be applicable in addition to the terms mentioned
in the General Terms and Conditions applicable to the borrower(s) for availing
Personal/Business loan registered with the relevant Sub-Registrars office situated in
the state of Tamilnadu, a copy of which is available on FICC website
(http://fullertonindia.com/downloads/generaltnc.aspx)(Hereinafter referred to as GTC )
Additional Terms shall prevail in case of inconsistency with the terms mentioned in the
GTC

#Applicable to Subvention/ No cost EMI/ Subsidised Interest Loan

As a part of our tie-up with Business Partner, the Business Partner shall pay the interest on the Loan entirely or subsidized interest directly on
behalf of the Borrower.
The Borrower shall pay processing fee as applicable under the finance scheme availed, which shall be deducted by FICCL at the time of disbursal of
Loan amount to the Business Partner.
For No Cost EMI, the interest is paid by Business Partner and Borrower will be liable to pay principal amount, a processing fee as applicable and
any penal charges if applicable.

CHARGES SHEET

Swap Charges- for substitution of Post-dated

An amount not exceeding Rs.500/-
Cheque with ECS (per instance)

Swap Charges for substitution of bank for ECS (per

An amount not exceeding Rs. 500/-
instance)

Loan Cancellation charges (loan cancelled before

An amount not exceeding Rs.1000/-
first EMI)

Cheque / ECS/ NACH dishonor Charges (per

An amount not exceeding Rs. 300/-
dishonor of Cheque/ECS/ NACH per presentation)

(a) No part prepayment of the Loan shall be allowed.

(b) In case of prepayment of entire Loan with interest amounts outstanding
following will be the prepayment charges:
• 0 to 6 EMI(s) fully paid
Foreclosure/Prepayment Charges (Note: No
• 7 to 17 EMI(s) fully paid: 7% of the Principal Loan amount outstanding on
foreclosure charges/ prepayment penalties will be
the date of prepayment;
applicable on any floating rate term loan
• 18 to 23 EMI(s) fully paid 5% of the Principal Loan amount outstanding on
sanctioned for purposes other than business to
the date of prepayment;
individual borrowers).
• 24 to 35 EMI(s) fully paid 3% of the Principal Loan amount outstanding on
the date of prepayment;
(c) No prepayment charges shall be applicable in case of prepayment is after
36 or more EMIs fully paid

Processing fee for refund (c) An Amount not exceeding INR 250/-

PLEASE DO NOT SIGN THE ABOVE DOCUMENT, IF BLANK.

PLEASE DO NOT PAY CASH TO ANYONE FOR THE PROCESSING OF YOUR LOAN. IN CASE YOU ARE ASKED, PLEASE REFUSE AND CONTACT YOUR NEAREST FICCL BRANCH.

FOR ALL PAYMENTS MADE TO ANY REPRESENTATIVE OF FULLERTON INDIA TOWARDS ANY FEE / CHARGES, PLEASE ASK FOR VALID RECEIPT.

IF ANY VERBAL COMMUNICATION MADE TO YOU IS IN CONTRADICTION TO THE ABOVE TERMS & CONDITIONS, PLEASE CONTACT US AT 1800 103 6001 (MON-SAT 9:00 A.M.
TO 7:00 P.M. (except public holidays & fourth (4th) Saturday of the month)) OR WRITE TO US AT [email protected]

IP: 106.198.23.63 Browser Name:Android

Platform:Android Mobile Number:7299123451
Name:A Application id:A220811474
FICCL/DF Loan Agreement for PLBL/Version XIV/29 Apr 2021

* I/We am/are aware that the flat rate of interest mentioned above is for illustrative purpose only, and that the interest will be charged on the loan
on reducing balance basis compounded with monthly interest.

Flat Rate is calculated as per follows:-

Rate of interest % =(EMI x Tenor in months) Principal x 100 Principal x Tenor in years

** In case a Payment Holiday Facility is granted to the Borrower(s), the Due Date of each of the EMI shall be automatically extended by
proportionate number of additional months in accordance with the number of Payment Holidays granted and/or otherwise at the sole discretion of
FICCL.

*** In case a Payment Holiday Facility is granted to the Borrower(s), the Last EMI due date shall be automatically extended by proportionate
number of additional months in accordance with the number of Payment Holidays granted and/or otherwise at the sole discretion of FICCL.

Terms & Conditions

I/We acknowledge that:

The above are the most important terms of the aforesaid Loan, and all other terms and conditions of the Loan shall be as specified
acknowledgement form, Loan Agreement and the GTC.
FICCL is entitled to add or modify any of the aforesaid terms and conditions which shall be intimated in advance and the same shall be
binding on me/ us.
In case of any conflict between English version of the Loan Document and any vernacular version, English shall prevail.
In the event of any change of address for communication, any change in my/our job, profession, the same shall be intimated by me/us to
FICCL immediately.
I/We are aware that the Loan agreement, GTC and other incidental documents executed by me/us integrate all the conditions mentioned
herein or incidental thereto, and supersede all negotiations or prior writings, except for those provisions specified herein. In the event of any
conflict between the terms, conditions and provisions of the Loan agreement/GTC/documents executed incidental thereto with the terms
mentioned herein, then in such an event the terms, conditions and provisions of mentioned herein shall prevail.
I/We understand that the approval of loan from FICCL does not certify, represent or warrant in any manner whatsoever, the nature or quality
of Product provided by Business Partner.
I/We understand and agree that any discrepancy/dispute related to the Product shall be reported to Business Partner, I also acknowledge
that FICCL shall has no role to intervene, if there is a discrepancy/dispute between the Borrower and the Business Partner in relation to the
Product or its use.
In view of the above, I/We understand that FICCL shall not be responsible or liable for any acts or omissions by the Business Partner,
including but not limited to the wrongdoings, quality, delivery, service fulfillment or effectiveness of Products.
As a part of FICCL tie-up with Business Partner, the Business Partner shall pay the interest on the Loan, entirely or subsidized interest directly
on behalf of the Borrower, strictly applicable in case of a Subvention/ No cost EMI/ Subsidised Interest Loan only.
I hereby agree and acknowledge discharge/pay the outstanding Loan dues, to the full satisfaction of FICCL.

Applicable for Borrowers who do not understand English or are blind:

The Borrower(s) declares and confirms that all the terms and conditions of the Loan Agreement including Loan Summary Schedule, GTC, demand
promissory note, letters of guarantee, security documents, declarations and undertakings, and all other loan documents as applicable and the
declarations and confirmations have been read and explained to the Borrower(s) in the language understood by the Borrower.

Cancellation:

I/We understand that there shall be no refund of Processing Fees paid to FICCL in case of cancellation of Product for any reason whatsoever
attributed to Business Partner or to me/us.

I/We have read and understood the cancellation policy of the Business Partner and I shall be responsible and accountable to abide by the same and
shall not raise any claim on FICCL in case of any dispute between me/us and the Business Partner.

I/We shall perform necessary formalities with the Business Partner to ensure prompt refund of the outstanding Loan amount due and payable to
FICCL after the applicable adjustments to the same (if any) as per the cancellation policy.

I/We understand that in the event of Loan cancellation, the cancellation charges if any plus interest from date of disbursal till receipt of cancellation
request as applicable (once the cancellation is confirmed with Business Partner) shall be borne by me/us.

In the event the Product is cancelled, I/we shall continue to be liable for the balance outstanding on Loan account. It would be my/our responsibility
to check the entire outstanding is cleared and a no due certificate to be obtained to that effect from FICCL.

Borrower’s Name: A Gopinath _______________________________

(Signature)

Co-Borrower’s Name: _______________________________

(Signature)

IP: 106.198.23.63 Browser Name:Android

Platform:Android Mobile Number:7299123451
Name:A Application id:A220811474
 ANNEXURE TO LOAN AGREEMENT

Example for SMA and NPA in accordance with RBI

Method of calculation of Special Mention Account (SMA) and Non-Performing Asset (NPA) account, in case of default by any
customer, shall be as follows:

Few important definitions and concepts:

FICCL shall classify any account as SMA or NPA after running day-end process.

Day-end process : At the end of every calendar day, FICCL shall run a process to determine whether an account will be treated as
overdue or not. In case of NACH/ e-NACH mandates/ standing instructions, if by the time the day-end process is run, the dues from
the customer are not received into the designated bank account of FICCL, the amount would be considered as not received and
therefore will be treated as overdue. In case of collection by cash, the date of issuance of money receipt by FICCL shall be treated as
the date when the amount has been duly received by FICCL. In case of collection by cheques, the value date shall be considered as
the date when the amount has been received by FICCL, unless the cheque is subsequently returned as dishonoured by FICC’s bank(s),
in which case the instalment/ EMI amount shall be considered as overdue at the end of day on the value date, i.e. the due date of such
payment.

Special Mention Account (SMA) : RBI guidelines require a lender like FICCL to immediately recognize incipient stress in
borrower account by classifying them as SMA. RBI prescribes three levels for SMA recognition, viz., SMA-0, SMA-1 and
SMA-2. For definition of SMA and grading mechanism, you may want to refer RBI circular no.
DBR.No.BP.BC.45/21.04.048/2018-19 dated June 7, 2019 on ‘Prudential Framework for Resolution of Stressed Assets’.

Illustration:

In case the due date for an account is 5th calendar day of every month (say, 5th January 2022). The SMA and NPA classification in
such cases shall be as follows:

If the EMI/ entire dues of a particular account are not received into the bank account of FICCL before the day-end
process is run on the 5th calendar day, i.e. the due date, the account shall be treated as overdue after day-end
process. Accordingly, this account shall be classified as SMA-0.

If this account remains continuously overdue even after the completion of day-end process on 30th day from the
initial due date, after its classification as SMA-0, the account shall be classified as SMA-1, immediately after running
of day-end process, if the full dues are not received before day-end process is run on the 30th day.

If the account continues to remain overdue for 60 days, it shall be classified as SMA-2 upon running day-end process
on the 60th day from the initial due date.

If the account remains continuously overdue for 90 days, it shall get classified as NPA upon running day-end process
on the 90th day from the initial due date.

Once an account is classified as NPA, it may be upgraded as ‘standard’ only after the entire arrears/ overdue of
interest and principal are paid fully.

The above illustration has been further explained in the table below:

Day-end process on DPD Scenario Classification

05.01.2022 1 If full dues are not received before the day-end process SMA 0

04.02.2022 30 If full dues are not received before the day-end process SMA 1

03.03.2022 60 If full dues are not received before the day-end process SMA 2

03.04.2022 90 If full dues are not received before the day-end process NPA

02.05.2022 Full dues for earlier 4 EMIs are received before the day-end process Standard

IP: 106.198.23.63 Browser Name:Android

Platform:Android Mobile Number:7299123451
Name:A Application id:A220811474
FICCL/DF Loan Agreement for PLBL/Version XIV/29 Apr 2021

INSTRUCTION FOR LOAN DISBURSEMENT BY NATIONAL ELECTRONIC FUND TRANSFER

To,
Fullerton India Credit Company Limited
Sub: Authorization for Loan disbursement

Sir/ Madam,
Refer to the Application for grant of Loan facility for Education Loan. Kindly prepare the Loan disbursement Cheque/NEFT
in the name and manner hereinafter appearing:

The disbursement of the Loan amount in shall be done through,

Beneficiary Name Bank Name IFSC Code Bank Account No

EDUVANZ FINANCING PRIVATE LIMITED AXIS BANK LTD UTIB0000455 919020088111475

in favour of the below mentioned end Payee. It shall be deemed to be disbursement of the Loan granted to and availed by
me/us and not affect my / our obligation in relation to the Loan facility.

Beneficiary Name Bank Name IFSC Code Bank Account No

EPOWERX LEARNING TECHNOLOGIES PVT LTD HDFC BANK HDFC0000260 50200030909108

The net disbursal amount mentioned above is indicative. The final disbursed amount may change basis the
previous dueson the day of booking which would be informed post disbursement

The disbursement of the Loan amount in favour of the above payee shall not affect my/ our obligation in relation to the
Loan facility. The disbursement of the Loan in favour of the above Payee shall be deemed to be disbursement of the Loan
granted to and availed by me/us.

I/We hereby declare that:

The particulars given above are true, correct and complete to the best of my/our knowledge. I / we shall be responsible
for the accuracy of the particulars given in the payment instruction.
I / We shall be bound by any payment instruction executed by Fullerton India, if Fullerton India had executed the payment
instruction in good faith and in compliance of instructions for electronic fund transfer.
The disbursement of the Loan in favour of the above said Beneficiary shall be deemed to be the Loan granted to and
availed by me/us. The disbursement of the Loan amount in favour of the above Beneficiary payee shall not affect my/ our
obligation in relation to the Loan facility.
Fullerton India shall not be liable for any loss or damage arising out of or resulting from incomplete information, delay in
transmission, delivery or non-delivery of electronic message or any mistake, omission or error in transmission or delivery
thereof or any act or event beyond its control. Notwithstanding above, in the event of any delay in the completion of the
funds transfer or any loss on account of error in the execution of the funds transfer pursuant to a payment instruction due
to any negligence on the part of Fullerton India, Fullerton India's liability shall be limited to the extent of payment of
interest at the bank rate for the period of delay in the case of delayed payment.
Fullerton India shall not be liable for non-credit or crediting remittance amount to wrong beneficiary on account of
incorrect information furnished by me/ us in this application form.
Beneficiary bank mfay levy charges on inward remittance and deduct the same from the remitted amount.

I understand that all National Electronic Fund Transfer (NEFT) instructions are irrevocable and there is no facility for giving
stop payment instruction in respect of remittances through NEFT.

Thanking You.
Yours faithfully,
Borrower’s Name: A Gopinath _______________________________
(Signature)
Co-Borrower’s Name: _______________________________
(Signature)

IP: 106.198.23.63 Browser Name:Android

Platform:Android Mobile Number:7299123451
Name:A Application id:A220811474
 Date: 11 Aug 2022

To,
Fullerton India Credit Company Ltd.

Declaration by Customer

I A Gopinath, 117 N S K NAGAR 5TH STREET ARUMBAKKAM Arumbakkam Arumbakkam,,Chennai,Tamil

Nadu,India,600106

I hereby declare and confirm that MY FULL NAME is A Gopinath as mentioned in my PAN with NO BXPPG1660R

I further declare that in the PAN with No. BXPPG1660R issued to me, My FATHER NAME is correct.

I further declare that in the PAN with No. BXPPG1660R issued to me, My NAME is correct.

I further declare that my DOB is correct, in the PAN with No. BXPPG1660R issued to me.

I declare and confirm that the document proofs mentioned above were issued to me, and no other person.

Thanking you.

Yours faithfully,
A Gopinath

(Customer Name & Signature)

Place : Chennai, Tamil Nadu

IP: 106.198.23.63 Browser Name:Android

Platform:Android Mobile Number:7299123451
Name:A Application id:A220811474
 LOAN DETAILS SHEET

Name of the borrower A Gopinath

Loan Reference No. 13564869 / A220811474

1. Loan amount 150000

2. Processing fee 0
3. Pre-EMI* 0
4. Rate of Interest 0% (Flat)
5. Tenure(Months) 22
6. Estimated EMI 6819-1 ADVANCE EMI
7. EMI Due Date 05
8. Mode of Disbursal Online Transfer
9. Mode of Loan Payment NACH
*These values may vary based on actual date of disbursal

NOTES

Charges & deductions applicable to this loan have been explained to me. I/we confirm the receipt of General Terms &
Conditions governing this loan, which have been signed by me/us in acceptance and a copy of which has been provided to
me/us and confirm that the Facility granted by on above terms will also be governed by aforesaid General Terms and
Conditions and my Loan Application

--- Borrower's Name A Gopinath Signature

CONTACT US

Eduvanz Financing Private Limited, Fullerton India Credit Company Ltd.

B/202, Times Square Building, Supreme Business Park Floors 5 & 6, B Wing,
Opp. Mittal Industrial Estate, Powai, Mumbai 400 076
Andheri Kurla Road, Andheri East, Tel:- 1800103601
Mumbai - 400 059
Tel:- 022-49733674

IP: 106.198.23.63 Browser Name:Android

Platform:Android Mobile Number:7299123451
Name:A Application id:A220811474