Credit

Facility Application Form (Personal Loan)

Application No.: 88000090680

Personal Details:

Full Name Date Of Birth Gender

MOHIT ARUN 16-07-1999 Male

C HINC HKHEDE

Phone Number A lternate Contact PA N Number

Number
+91 9011283443 C C XP C 5906N
- Not Available

Email ID Religion Marital Status

chinchkhede.1338@ gmail.co - Not Available - Not Available

m

Permanent A ddress Communication A ddress Office A ddress

NEAR NANDAJI MANDIR NEAR NANDAJI MANDIR - Not Available

P LOT NO 13 A GALLI NO 2 P LOT NO 13 A GALLI NO 2
VASANT NAGAR OLD VASANT NAGAR OLD
BABULKHEDA PARVATI BABULKHEDA PARVATI
NAGAR S O NAGP UR NAGAR S O NAGP UR
MAHARASHTRA 440027 MAHARASHTRA 440027

Is Your Permanent Designation Mother's Maiden Name

A ddress Same A s
JUNIOR MANAGEMENT - Not Available
Communication A ddress?

- Not Available

Father's Name Spouse Name Current Employer

- Not Available - Not Available - Not Available

Monthly Take Home Office Email ID Qualification

Salary
- Not Available - Not Available
- Not Available

Purpose Of Facility A dd-On Product

- Not Available - Not Applicable

Employee ID A adhar No/Proof of Employment Type

Identity
- Not Applicable - Not Available
 - Not Available

Customer Category Citizenship Residential Status

- Not Available Indian Resident Individual

Facility Usage:

Utilisation District Division Sub Division

- Not Available P ERSONAL LOANS AND P ERSONAL LOANS AND

C ONSUMER LOANS C ONSUMER LOANS

A ctivity

OTHER P ERSONAL LOANS -

OTHER THAN TO STAFF

Loan Details:

Loan A mount Tenure EMI

- Not Available 0 - Not Available

Processing Fee

- Not Available

ENACH:

Bank Name Debit A ccount Number A ccount Type

- Not Applicable - Not Applicable - Not Applicable

IFSC Code EMI First Date EMI Last Date

- Not Available - Not Applicable - Not Applicable

Additional Details:

Place/City Of Birth* Occupation Gross A nnual Income

- Not Available SALARIED - Not Available

Declaration Nominee First Name Nominee Last Name

- Not Available - Not Available - Not Available

Nominee DOB Experience Education

- Not Available - Not Available - Not Available

Company Type Department

OTHERS - Not Available

Profession Do You Have A ny Existing Relationship A ccount

Relationship With ICICI? Number
- Not Available
No - Not Available
A re You A Relationship Have you been assisted
Director/Relative Of by an ICICI
- Not Available
Director Of ICICI Bank or Representtive?
A ny Other Bank?
- Not Available
- Not Available

Branch ID

- Not Available


INTRODUCTION

1. All applicants which expression shall, as the subject or context may admit or require, mean any or
eachoftheApplicant who wish to either avail of financial assistance detailed below (the "Facility ") from IC IC I
Bank for any purpose specified below in this Application Form (the "P urpose") are required to fully fill-in and
submitthis Application Form (and along with all other necessary details and documents) to IC IC I Bank for
applying for the same..

2. IC IC I Bank shall be entitled at its sole and absolute discretion to reject/approve any Application Form
submitted by the Applicant(s).

3. Upon consideration of the Application Form and all other additional documents necessary or required for
consideration of the Application Form, submitted by the Applicant(s), and if the same is to the satisfaction
ofIC IC I Bank, IC IC I Bank shall disburse the requested Facility to the Applicant(s).

4. The Applicant(s)'s requestfor the Facility vide this Application Form, and the sanction of the same by
IC IC IBank and/ordisbursement of the Facility, shall be subject to and governed by "IC IC I Bank Limited's (All-
India) Standard Terms & C onditions Governing Unsecured Loans (Regular andP re Qualified Loans)"
registered on Registered on April 15, 2009 with the SubRegistrar-VII, NewDelhi/Delhi
videRegistrationNo.266inadditionalBook No.4 Vol No. 1,402 on page 165 to 173 (hereinafter referred to as
the "Standard Terms"), a copy of which has been handed over to the Applicant, as well as the terms and
conditions specified/referred to herein.

5. All capitalized terms used but not specifically defined in this Application Form shall have the respective
meanings ascribed to themunder the Standard Terms.

Note:

(i) The charges/ interest rate(s) specified inthisApplication Form and/ or the other Transaction Documents in
relation to the Facility are non refundable in nature and the rates are changeable, atthe discretion of IC IC I
Bank, from time to time. IC IC I Bank shall endeavour to give notice of such changes.

(ii) The charges for missed duedate shallbe payable by the Applicant/s to IC IC I Bank under the EC S method,
Direct Debit method, the Salary Debit method and any other payment method selected by the Applicant/s
(exceptthe P DC method) for every instance that lnstalment/s is/are not paid to/received by IC IC I Bank in
accordance with the repayment schedule specified above (irrespective ofthereasons for suchnon-
payment/non-receipt).

(iii) The cheque re-presentation charges shall be payable in each instance that any post-dated cheque is
dishonoured (under any of the payment modes) and consequently represented OR in each instance that a
post-dated cheque is presented when any lnstalment/s is/are not received by IC IC IBank by/upon issue of
debitinstructions under the EC S method or Direct Debit method or any other payment method (other than
the P DC method) selected by the Applicant/s for any reasons whatsoever

(iv) GST and all other applicable taxes/ statutory levies, if any, will be charged additionally.

(v) P art prepayment facility is not available in P ersonalLoan.

(vi) P repayment of the loan is possible any time during loan tenure after payment of 1 EMI with charges and
after 12 EMIs with waiver.

(vii) Mode of Repayment : Mandate Debit from the user’s Bank Account.

(viii) P repayment C harges : 5 % of the then outstanding amount of the Facility, or any other rate as
stipulated by IC IC I Bank from time to time. GST and all other applicable taxes / statutory levies, if any, will be
charged additionally.

(ix) C harges per EMI Bounce : Rs. 400 (plus applicable taxes or other statutory levies, if any.)
(x) P enal interest (applicable on payment defaults) : 24% p.a (plus applicable taxes or other statutory levies,
if any.)

(xi) Repayment mode swap charges : Rs 500, ( P lus applicable taxes or statutory levies, if any.)

(xiii) C harges for EMI paid in C ash : Rs 100, ( P lus applicable taxes or statutory levies, if any.)

(xii) C heck P ick-up charges : Rs 150, ( P lus applicable taxes or statutory levies, if any.)

DECLA RATIONS BY THE A PPLICA NT

1. I/We declare that all the particulars and information and details given/filled in this Application Form are true,
correct, complete and up-to-date in all respects and that I/We have not withheld any information whatsoever.

2. In addition to the representations, declarations, warranties and confirmations given by me/us in this
Application Form, I/we do hereby represent, warrant, make and confirm to IC IC I Bank each of the
representations, declarations, warranties and confirmations set out in the Standard Terms (as defined below)
and do hereby further represent, warrant and confirm to IC IC I Bank that each of such representations,
declarations, warranties and confirmations are, true, correct, valid and subsisting in every respect as of the
date of this Application Form, and all such representations, declarations, warranties and agreements shall
survive the execution and delivery of this Application Form, the provision of the Facility pursuant to this
Application Form and the repayment/payment in full of the Facility and all monies in respect thereof.

3. I/We confirm that no insolvency proceedings or suits for recovery of outstanding dues or monies
whatsoever or properties and/or any criminal proceedings have been initiated and/or are impending against
me/us and that I/we have never been adjudicated insolvent by any court or other authority. I/we have not
taken any action and no other steps have been taken or legal proceedings started by or against me/us in any
court of law / other authorities for the appointment of a receiver, administrator, administrative receiver,
trustee or similar officer or for my/our assets.

4. I/We confirm that I/we shall not use the Facility (or any part thereof) for any improper/illegal/unlawful/
speculative/ capital market related activities and shall apply the Facility (or any part thereof) only for the
limited purposes specified herein. The Applicant shall use the proceeds of the Facility for the P urpose and
shall, if the Bank so desires, furnish a certificate and/ or such other valid proofs (including without limitation
valid invoices, bills, receipts, acknowledgments, etc.) to the satisfaction of the Bank, in the format and
manner acceptable to the Bank, affirming that the Facility has beenutilized for the P urpose. If for any reason
the Borrower finds itself unable to comply with this condition, it shall immediately inform IC IC I Bank in writing
of the same and the reasons there for and shall, unless otherwise agreed to by IC IC I Bank, repay forthwith
the outstanding balance of the Facility together with interest and all other monies payable in respect thereof.

5. Except to the extent disclosed to IC IC I Bank herein, no C hairman / Managing Director or director or a
relative/near relation of a C hairman / Managing Director or director of a banking company (including IC IC I
Bank and its subsidiaries) or mutual funds/venture capital funds or a relative/near relation of a senior officer
of IC IC I Bank, as specified by RBI, is: a partner of our concern, or a trustee, member, director, manager,
employee of our concern, or of our subsidiary, or our holding company, or a guarantor on my/our behalf, or
holds substantial interest in our concern or my/our subsidiary or holding company. For the purpose of this
clause the terms “relative”, “near relation” & “senior officer” shall have the same meaning ascribed to them
under the RBI master circular on Loans and Advances dated July 1, 2015, para 2.2.1.8 and shall include any
amendments made thereto.” Details of any such relation as referred to above________________________.
6. I/We undertake to inform IC IC I Bank regarding any changes whatsoever in my/our addresses as specified
here in above or my employment/profession and to promptly provide such further information that IC IC I
Bank (or its designated group companies or agents or representatives) may require.

7. I / We authorize IC IC I Bank and their agents to exchange, share or part with all information and data
maintained with IC IC I Bank relating to my/ our existing account related information including existing or prior
loans and repayment history to other IC IC I group companies, banks, financial institutions, credit bureau,
agencies, mobile network operators directly or indirectly, statutory bodies and other service providers of
IC IC I Bank as may be required and I/We shall not hold IC IC I Bank (or any of its group companies) liable for
sharing such informationI/We further authorize IC IC I Bank to submit/disclose the ‘financial information’ as
defined in Section 3(13) of the Insolvency and Bankruptcy C ode, 2016 (“IBC ”) (including all amendments and
replacements made thereto and all rules and regulations framed thereunder) in relation of the loan facility
availed by me/ us to an Information Utility as defined in Section 3(21) of IBC . I/We further agree to promptly
authenticate and verify the ‘financial information’ submitted by IC IC I Bank, as and when requested by
Information Utilities.

8. I/We have fully read and understood the Standard Terms copy of which has been been provided to me/us.

9. I /We acknowledge and agree that the grant of the Facility by IC IC I Bank to me / us shall be subject to
compliance by me / us of the Standard Terms and the terms and conditions set out under this Application.

ICICI END USE DECLA RATION

I hereby represent, warrant and confirm that the loan has been taken for a valid purpose and is not
speculative or illegal in any manner. I also declare that funds under the facility will not be used towards
purchase of gold in any form, including primary gold, gold bullion, gold jewellery, gold coins, units of gold
exchange traded funds(ETF) and units of gold, mutual funds etc.

The facility either in part or full will not be used for investment in capital market, land acquisition, acquiring
equity shares of Indian company/ ies, buyback of shares of Indian company, funding of promoters
contribution in the project or any other purpose, which is prohibited or any illegal activity.

I further agree, confirm and undertake that the purpose of use of funds under the loan shall not be changed
in any manner during the tenor of loan, or that such change in purpose shall take place only with the prior
written permission of IC IC I Bank.

I agree that any breach or default in complying with all or any of the aforesaid undertaking(s) will constitute
an event of default under the facility documents.

Name: MOHIT ARUN C HINC HKHEDE

IP : 103.158.30.171

Time Stamp: 11-04-2022 18:02:31

P roduct C ode: P LN001

ICICI BA NK LIMITED (A LL-INDIA ) STA NDA RD TERMS A ND CONDITIONS GOV ERNING UNSECURED
LOA NS (REGULA R A ND PRE-A PPROV ED LOA NS)

These ‘Standard Terms and C onditions’ shall govern the Facility (as defined below) as availed by the
Borrower/s (as defined below) from IC IC I Bank Limited (hereinafter termed as “IC IC I Bank”) through either:

(a) Its internet website [www…………..] , its mobile phone application or through any other platform made
available for the purpose of availing the Facility as a result of an arrangement between IC IC I Bank and any
third party (hereinafter termed as “P ortal/P latform”) with the documentation and communication being
communicated electronically; or

(b) The submission of the Application Form (as defined below) by the Borrower/s at any branch of IC IC I Bank.

By availing the Facility through the P ortal/P latform/Application, and clicking on ‘Accept’/’Agree’/ ‘Agree and
P roceed’ icon/button and/or by submitting one time password received on the Borrower/s mobile number
registered with IC IC I Bank and/or by affixing esignature or digital signature certificate/ and/or by submission
of an Application Form at any branch of IC IC I Bank, the Borrower/s confirms that the they have read,
understood and agreed to the ‘Most Important Terms and C onditions of the Facility’ (MITC ) and the ‘Standard
Terms and C onditions governing the Facility’ at the time of applying for the same.

In the event of any inconsistency between the Application, the MITC and the Standard Terms and C onditions
governing Facility, the terms set forth in the Most Important Terms and the Standard Terms and C onditions of
the Facility shall prevail.

DEFINITIONS A ND CONSTRUCTION

1.A. In these terms and conditions (the “Standard Terms”, as referred to in the Application Form and/or the
P ortal), unless there is anything repugnant to the subject or context thereof, the expressions listed below, if
applicable, shall have the following meanings:

i. “Application Form” or “Application” means, where the Facility is being availed through submission
of the application form to a branch of IC IC I Bank, as the context may permit or require, the credit
facility application form submitted by the Borrower/s to IC IC I Bank for applying for and availing of
the Facility, together with the preliminary credit appraisal/facility application form and all other
information, particulars, clarifications and declarations, if any, furnished by the Borrower/s or any
other persons from time to time in connection with the Facility.

ii. “Borrower/s” means and refers jointly and severally to the applicants and co-applicants (if any)
who has / have been sanctioned/granted the Facility by IC IC I Bank based on the Application Form /
acceptance of the Loan Terms through the P ortal ( as the case may be) and includes depending on
the nature of the Borrower/s: (a) its successors and permitted assigns, if the Borrower/s is a
company within the meaning of the C ompanies Act 1956 or a society registered under the
applicable laws relating to societies; (b) any or each of the partners and their survivor(s) or the
partner(s) from time to time and their respective heirs, legal representatives, executors,
administrators and permitted assigns, if the Borrower/s is partnership firm within the meaning of
the Indian P artnership Act, 1932; (c) his / her heirs, legal representatives, executors,
administrators and permitted assigns, if the Borrower/s is an individual and/or carrying on business
as a sole proprietary concern; (d) the karta and any or each of the adult members of the Hindu
Undivided Family (HUF) and their survivor(s) and his/ her / their respective heirs, legal
 representatives, executors, administrators and permitted assigns, if the Borrower/s is a joint HUF ;
and (e) the trustee(s) for the time being thereof and the successors and permitted assigns of the
trust/trustees, if the Borrower/s is a trust.

iii. “Borrower/s’ Dues” means and includes the outstanding principal amount of the Facility (defined
below), interest on the same, all other interest, all fees, costs, charges, expenses, stamp duty and
all other sums whatsoever payable by the Borrower/s to IC IC I Bank in accordance with the Loan
Terms and the Transaction Documents (defined below), as well as all other monies whatsoever
stipulated in or payable by the Borrower/s under the Loan Terms.

iv. “Business Day” means a day on which the relevant/local office of IC IC I Bank, as specified in the
Application Form/MITC (as applicable), or such other office as may be notified by IC IC I Bank to the
Borrower/s, is open for normal business transactions.

v. “Due Date” means the date(s) on which any amounts in respect of the Borrower/s’ Dues
including the principal amounts of the Facility (defined below), interest and/or any other monies, fall
due as specified in the MITC and/or the Loan Terms and the other Transaction Documents.

vi. “Facility” means such amount of the unsecured personal loan/financial assistance which is
applied for / availed of by the Borrower/s through submission of the Application at a branch of
IC IC I Bank or availed through the P ortal.

vii. “Indebtedness” means any indebtedness whatsoever of the Borrower/s at any time for or in
respect of monies borrowed, contracted or raised (whether or not for cash consideration) or
liabilities contracted by whatever means (including under guarantees, indemnities, acceptance,
credits, deposits, hire-purchase and leasing).

viii. “Loan Terms” shall mean all terms and conditions governing the Facility including but not limited
to the Standard Terms, MITC and the terms agreed to by the Borrower/s in the Application Form (if
applicable) and Transaction Documents (defined below).

ix. “Material Adverse Effect” means the effect or consequence of any event or circumstance
which is or is likely to be: (a) adverse to the ability of the Borrower/s or any person to perform or
comply with any of their respective obligations under the Loan Terms in accordance with their
respective terms; or (ii) prejudicial to any of the businesses, operations or financial condition of the
Borrower/s or of any person who is party to any Transaction Document (defined below).

x. “MITC ” shall mean the Most Important Terms and C onditions/Key Fact Statement and Most
Important Terms and C onditions document governing the Facility.

xi. “Transaction Documents” include all writings and other documents executed via electronic
means or entered into, or to be executed or entered into, by the Borrower/s or, as the case may
be, any other person, in relation, or pertaining, to the Facility and each such transaction document
as amended from time to time.

1.B. In these Standard Terms, unless the contrary intention appears:

(a) a reference to: an "amendment" includes a supplement, modification, novation, replacement or re-
enactment and "amended" is to be construed accordingly; an "authorisation" includes an authorisation,
consent, clearance, approval, permission, resolution, licence, exemption, filing and registration; “law” includes
any constitution, statute, law, rule, regulation, ordinance, judgement, order, decree, authorisation, or any
published directive, guideline, requirement or governmental restriction having the force of law, or any
determination by, or interpretation of any of the foregoing by, any judicial authority, whether in effect as of
the date of signing/submission of the Application Form or thereafter and each as amended from time to
time.

(b) the singular includes the plural (and vice versa);

(c) the headings in these Standard Terms are inserted for convenience of reference only and are to be
ignored in construing and interpreting the Loan Terms;

(d) reference to the words “include” or “including” shall be construed without limitation;

(e) reference to a gender shall include references to the female, male and neuter genders;

(f) all approvals, permissions, consents or acceptance required from IC IC I Bank for any matter shall require
the “prior”, “written” approval, permission, consent or acceptance of IC IC I Bank;

(g) in the event of any disagreement or dispute between IC IC I Bank and the Borrower/s regarding the
materiality of any matter including of any event, occurrence, circumstance, change, fact, information,
document, authorisation, proceeding, act, omission, claims, breach, default or otherwise, the opinion of IC IC I
Bank as to the materiality of any of the foregoing shall be final and binding on the Borrower/s.

Note: All capitalised terms used but not specifically defined herein shall have the respective meanings
ascribed to them under the Application Form (if applicable).

FA CILITY A ND DISBURSEMENT

1. The principal amount of the Facility applied for / availed of by the Borrower/s shall be the amount
specified in the MITC . The amount of the Facility may be enhanced for funding the insurance premium
at the request of the Borrower/s keeping the monthly Installment (as defined hereinafter) amount
constant and varying the number of monthly Installments accordingly.

2. Once the Application Form submitted by the Borrower/s is accepted by IC IC I Bank, or after clicking on
the “Accept/Agree/Agree & P roceed” button on the P ortal, the Borrower/s shall not be entitled to cancel
the Facility or refuse to accept disbursement of the Facility, except with approval of IC IC I Bank and
payment to IC IC I Bank of such cancellation or foreclosure charges as may be stipulated by IC IC I Bank.

3. The Borrower/s shall be liable to pay interest on the Facility at the rate and on the date(s) specified in
the MITC and/or as displayed to the Borrower/s on the P ortal (as the case may be). The rate of interest
payable by the Borrower/s shall be subject to changes based on guidelines / directives issued by the
Reserve Bank of India (RBI) to banks from time to time. The Borrower/s also note and acknowledge
that IC IC I Bank is obliged to give effect to any revision of interest rates, whether upwards or
downwards, on all existing advances/financial assistances as per the RBI guidelines/directives.
Disbursements under the Facility shall be deemed to be made on the date the cheque(s)/ pay order(s) /
authorization(s) / demand draft(s) are issued/made by IC IC I Bank and not on the date of their actual
receipt, and if by credit, when credit is made by IC IC I Bank.

4. IC IC I Bank may deduct processing fees, as stipulated in the MITC , from the Facility amount prior to
disbursement to the Borrower/s. For abundant clarity, the Borrower/s shall remain liable for the entire
Facility (including the amount deducted towards the payment of the processing fees), as if the entire
Facility amount had been disbursed to the Borrower/s.

PAYMENT, PREPAYMENT A ND OTHER CHA RGES

4.The Borrower/s shall repay the Facility to IC IC I Bank in one installment or in such number of installments,
and with such installment/s being of such amounts and on the Due Date(s) as is specified in the MITC (time
being of the essence of the contract); such installments are hereinafter referred to, individually, as an
“Installment” and, collectively, as the “Installments”. IC IC I Bank shall be entitled to vary/modify the
Installment/s (including increases in the amount of one or more Installment/s) in the event of changes to the
interest rate on the Facility. The expression “Installments” shall comprise of both the principal amount of the
Facility and interest thereon.

5. In case the Facility has been availed by the Borrower/s by submission of an Application Form to a Branch of
IC IC I Bank, the Borrower/s may repay / pay the monies in respect of the Facility through any one of the
following modes – post-dated cheques (“P DC method”) / the Electronic C learing System (Debit C learing) as
notified by the RBI (“EC S method”)/ direct debit from the Borrower/s’ bank account with IC IC I Bank (“Direct
Debit method”) / by deduction from the Borrower/s’ salary (“Salary Debit method”) / by directly paying
amounts when due to IC IC I Bank (“Direct P ayment method”) / National Automated C learing House
mandate (“NAC H Mandate”) / by any other method, and as has been selected by the Borrower/s in the
Application Form or as may be required by IC IC I Bank. IC IC I Bank may, in its sole discretion, require the
Borrower/s to adopt or switch to any alternate mode of payment and the Borrower/s shall comply with such
request, without demur or delay. The method for payment as selected by the Borrower/s in the Application
Form or the mandates given by the Borrower/s under any payment mode cannot be cancelled or revoked by
the Borrower/s without prior consent of IC IC I Bank. If the Borrower/s cancels or revokes (or attempts to
cancel or revoke) such mandates without the prior consent of IC IC I Bank, such acts of the Borrower/s shall
be deemed to have been committed with a criminal intent and IC IC I Bank shall be entitled to initiate
appropriate criminal proceedings against the Borrower/s.

5A. In case the Facility has been availed by the Borrower/s through the P ortal, and/ or through any other third
party integration with an online mobile application or website, IC IC I Bank is irrevocably authorized to debit the
savings account of the Borrower/s maintained with IC IC I Bank for the Installment amount/Equated Monthly
Installment (EMI) amount as mentioned in the MITC or such other amounts as may be specified in terms of
the requirements of IC IC I Bank, and credit the relevant account of IC IC I Bank over the entire tenure of the
loan with effect from the date of disbursement of the loan till the time the entire Facility is repaid. In the
event of the savings account gets closed/transferred for any reason, the Borrower/s shall intimate IC IC I Bank
of the new account opened with the bank to debit the Installment amounts as per the Loan Terms. Further,
the Borrower/s undertakes to provide the fresh set of debit mandate and security P DC s for such new
account, as per the Loan Terms in lieu of existing instructions.

6.Notwithstanding anything contained in the Loan Terms or the Transaction Documents, and irrespective of
the mode of payment selected by the Borrower/s in the Application Form, or as stipulated in the MITC (as the
case may be), upon any default by the Borrower/s in payment of one or more Installments on the Due Date
pertaining to the Facility or any non-realisation of the Installments on the Due Date by IC IC I Bank, IC IC I Bank
shall be entitled, without prejudice to its other rights under the Loan Terms, to present and/or re-present the
cheques or post-dated cheques, if any, issued by the Borrower/s in favour of IC IC I Bank in connection with
the Facility. Irrespective of the mode of payment selected by the Borrower/s in the Application Form, or the
mode of payment stipulated under the MITC ( as the case may be), IC IC I Bank shall as it may deem
appropriate and necessary, be entitled to require the payment and/or collection of the Installments and all
other amounts comprising the Borrower/s’ Dues, or the post-dated cheques, if any, submitted by the
Borrower/s, by means of electronic clearing system (debit)/NAC H Mandate, by itself or through such other
person permitted for the same, instead of and in lieu of presenting / re-presenting such cheques or post-
dated cheques, if any, issued by the Borrower/s in favour of IC IC I Bank or utilizing any other mode or
manner of payment or repayment of the Installments and all other amounts comprising the Borrower/s’
Dues, provided that such right of IC IC I Bank shall be without prejudice to its other rights under the Loan
Terms (including the right to represent the post-dated cheques), in case of any failure to receive the
Installments or any other amounts due, through the electronic clearing system (debit)/NAC H Mandate for
any reason whatsoever.

7.The Borrower/s shall at all times maintain sufficient funds in his/her/their bank account/s to ensure that the
Installments are received /realised by IC IC I Bank

8. Notwithstanding the mode of repayment/payment , the Borrower/s shall continue to remain at all times,
liable and responsible for ensuring the payment/repayment of all Installments and all other monies in respect
of the Facility to IC IC I Bank on or before the relevant Due Date(s) without any further notice/intimation being
given by IC IC I Bank and all such amounts payable by the Borrower/s to IC IC I Bank shall be paid, at such
place/s as IC IC I Bank may specify, without any deductions whatsoever so as to enable IC IC I Bank to fully
realise the amounts due on or before the respective Due Date(s). C redit for payments by any method will be
given only on realisation or on the relative Due Date(s) whichever is later. The acceptance by IC IC I Bank of
any payment which is less than the full Installment or other amounts due and owing at such time shall not
constitute a waiver of IC IC I Bank’s right to receive payment in full at such time or at any subsequent time or
a waiver of any other rights whatsoever of IC IC I Bank under the Loan Terms.

9. The Borrower/s shall not be entitled to cancel or issue stop-payment instructions with respect to the
postdated cheques for so long as the Facility (or any part of the Borrower/s’ Dues) is outstanding and any
such acts of the Borrower/s shall be deemed to have been committed with an intention to cheat IC IC I Bank
and avoid prosecution under the Negotiable Instruments Act, 1881, and IC IC I Bank shall be entitled to initiate
appropriate criminal proceedings against the Borrower/s.

10. The Borrower/s shall promptly replace the post-dated cheques and/or the mandates, agreements and/or
other documents executed for payment of the Installments and issue fresh post-dated cheques, mandates,
agreements and/or other documents in lieu thereof to the satisfaction of IC IC I Bank, if IC IC I Bank is facing
any difficulty/inconvenience/impediment for any reason whatsoever in presenting such cheques / issuing debit
instructions or if required at any time by IC IC I Bank at its sole discretion.

11. The Borrower/s may (in case such cheques have been issues) , subject to prior approval by IC IC I Bank, be
permitted to swap/ exchange the post-dated cheques issued to IC IC I Bank with alternate post-dated
cheques drawn on another bank (as approved by IC IC I Bank) subject to payment to IC IC I Bank of the
“cheque swap” charges as specified in the MITC .

12. The payment of the Installments shall commence and continue as per the schedule specified in the MITC .

13. The Borrower/s shall not, without the explicit/implicit approval/permission of IC IC I Bank (which approval
may be given subject to such terms and conditions as may be stipulated by IC IC I Bank including payment of
minimum prepayment amount, prepayment premium or discounted interest and/or any other charges, plus
applicable interest tax or other statutory levy), prepay the outstanding principal amount of the Facility in full
or in part, before the Due Dates. In the event any part prepayment of the Facility is permitted by IC IC I Bank,
the repayment schedule/amount of Installment(s) as specified in the MITC shall be amended by IC IC I Bank
and the Borrower/s shall thereafter make payment of the Installments as per such amended schedule.

14. If the Borrower/s default/s in making payment of any Installment/s or any other amounts comprising the
Borrower/s’ Dues to IC IC I Bank on the respective Due Date(s), the Borrower/s shall be liable to pay further
interest at the rate specified in the MITC (plus applicable interest tax or other statutory levy) on all such
outstanding/unpaid amounts from the relevant Due Date till the date of payment of such entire amount.
Such further interest shall be in addition to any other charges, which the Borrower/s is liable to pay to IC IC I
Bank in terms of the Loan Terms.

15. Interest, commitment fee / charges, further interest and all other charges shall accrue on a day to day
basis and shall be computed as may be decided by IC IC I Bank at its sole discretion, which may be on the
basis of 1/12 applied monthly or 365 days a year and the actual number of days elapsed.

16. Monthly Installment amount shall be rounded off to the next higher Rupee.

17. If the Due Date in respect of any amounts payable in respect of the Facility under the Loan Terms falls on
a day which is not a Business Day at the place where the payment is to be made, the immediately preceding
Business Day shall be the Due Date for such payment.

18. The Borrower/s shall bear all interest tax, service tax, all other imposts, duties (including stamp duty and
relevant registration and filing charges and taxes (of any description whatsoever) as may be levied from
time to time by the Government or other authority and all other costs and expenses whatsoever (including
but not limited to any costs and expenses incurred by IC IC I Bank and its representatives and consultants) in
connection with/on (a) the application for, and the grant and repayment of, the Facility, (b) the Application
Form (if applicable), Standard Terms and/or any Transaction Document, (c) recovery and realisation of the
Borrower/s’ Dues, (d) creation, enforcement and realisation of the security (if any), (e) inspections, and (f)
IC IC I Bank’s advocate’s fees and expenses for any of the above. The Borrower/s shall also pay/ reimburse
IC IC I Bank for all losses, damages, costs, charges, claims, expenses and liability of any kind or nature
whatsoever (including but not limited to any stamp duty, other duties, taxes, charges and penalties and/or
any increases in costs to IC IC I Bank by reason of any change in law, or in its interpretation or administration,
under/in relation to the Application (if applicable), the Standard Terms and the security, if any, to be created
by the Borrower/s) suffered, sustained or incurred by IC IC I Bank (or its representatives and consultants) in
connection with any of the above matters if and when the same is required to be paid according to the laws
for the time being in force.

19. In the event of the Borrower/s failing to pay any of the monies referred to above, IC IC I Bank shall be at
liberty (but shall not be obliged) to pay the same. The Borrower/s shall reimburse all sums and all losses,
damages and expenses (as referred to in the preceding clause) paid / incurred by IC IC I Bank (and/or its
representatives and consultants) in relation to the Facility (or any of the other matters referred to in the
preceding clause) within 7 days from the date of notice of demand from IC IC I Bank. All such sums shall carry
interest from the date of payment till such reimbursement to IC IC I Bank at the rate of further interest
specified in the MITC .

20. Notwithstanding any of the provisions of the Indian C ontract Act, 1872 or any other applicable law, or any
terms and conditions to the contrary contained in the Loan Terms and/or the other Transaction Documents,
IC IC I Bank may, at its absolute discretion, appropriate any payments made by the Borrower/s in accordance
with the Loan Terms and/or the Transaction Documents Notwithstanding any such appropriation by IC IC I
Bank towards settlement of any dues payable by the Borrower/s to IC IC I Bank under any other agreements
between the Borrower/s and IC IC I Bank, the Borrower/s shall continue to remain liable to IC IC I Bank for all
outstanding/remaining amounts comprising the Borrower/s’ Dues.

A DDITIONA L COV ENA NTS

20. The Borrower/s shall:

(i) P romptly notify IC IC I Bank of the occurrence of any event or the existence of any circumstances, which
constitutes or results in any declarations, representation, warranty, covenant or condition under the Loan
Terms and/or the other Transaction Documents being or becoming untrue or incorrect in any respect.

(ii) P romptly deliver to IC IC I Bank such statements / information / accounts / records / reports / documents,
financial or otherwise, as may be required by IC IC I Bank from time to time in relation to the Facility, the
Borrower/s’ business and operations, assets etc. within the period specified by IC IC I Bank.

(iii) P romptly notify IC IC I Bank of any action or steps taken or legal proceedings started by or against
him/her/them in any court of law for /his/her/their insolvency, bankruptcy or for the appointment of a
receiver, administrator, trustee or similar officer of/over any of the Borrower/s’ assets.

(iv) P romptly notify IC IC I Bank of any litigation, arbitration, administrative or other proceedings initiated or
threatened against the Borrower/s or his/her/their assets.

(v) P romptly notify IC IC I Bank of any circumstances and conditions which have/may have a Material
Adverse Effect.

(vi) P romptly, and not later than 7 days from the occurrence of any of the following events, notify IC IC I
Bank in writing with full details of the same: (a) death of any of the Borrower/s; and (b) all change/s in the
location/address of any of the Borrower/s’ office or residence or place of business

(vii) If required by IC IC I Bank, the Borrower agrees and undertakes to provide and furnish to IC IC I Bank, to
their satisfaction, such security as required to secure the Facility. Failure of the Borrower to do so shall be
termed as an Event of Default.

EVENTS OF DEFAULTS

21. The following acts/, as set out below, shall each constitute an “Event of Default” by the Borrower/s for
the purposes of the Loan Terms:

i. Default (including, but not limited to, any payment default) has occurred in the performance of any
covenant, condition or agreement on the part of the Borrower/s under the Loan Terms or on the part of any
other person.
ii. Breach of any representation, warranty, declaration or confirmation under the Loan Terms or any other
Transaction Document has occurred / been committed and/or the Borrower/s has/have committed any
fraud/ failed to submit any material information as required under the Loan Terms.

iii. The Borrower/s has, or there is a reasonable apprehension that the Borrower/s has or would, voluntarily or
involuntarily become the subject of proceedings under any bankruptcy or insolvency law, or becomes
bankrupt or insolvent or if the Borrower/s has taken or suffered to be taken any action for insolvency or
bankruptcy or if a receiver has been appointed or allowed to be appointed of/over all or any part of the
properties of the Borrower/s or if an attachment or distraint has been levied on the assets or any part
thereof or certificate proceedings have been taken or commenced for recovery of any dues from the
Borrower/s or if one or more judgements or decrees have been rendered or entered against the Borrower/s.

iv. Death of the Borrower/s, or any one of them.

v. It is or becomes unlawful for the Borrower/s or any person (including IC IC I Bank) to perform any of their
respective obligations under the Loan Terms and/or any other Transaction Document.

vi. The Borrower/s is unable or has admitted in writing its inability to pay any of its Indebtedness as they
mature or when due.

vii. An event of default howsoever described (or any event which with the giving of notice, lapse of time,
determination of materiality or fulfilment of any other applicable condition or any combination of the
foregoing would constitute an event of default) occurs under any agreement or document relating to any
Indebtedness of the Borrower/s or if any other lenders of the Borrower/s including financial institutions or
banks with whom the Borrower/s has entered into agreements for financial assistance have recalled its/their
assistance or any part thereof.

viii. One or more events, conditions or circumstances (including any change in law) occur or exist, which in
the sole opinion of IC IC I Bank, could have a Material Adverse Effect.

22. The Borrower/s shall promptly notify IC IC I Bank in writing upon becoming aware of any default and any
event which constitutes (or, with the giving of notice, lapse of time, determination of materiality or
satisfaction of other conditions, would be likely to constitute) an Event of Default and the steps, if any, being
taken to remedy it.

23. The decision of IC IC I Bank as to whether or not an Event of Default has occurred shall be final and
binding upon the Borrower/s.

RIGHTS A ND REMEDIES OF ICICI BA NK

24. On the happening of any of the Events of Default, IC IC I Bank may, by a notice in writing to the
Borrower/s and without prejudice to the rights and remedies available to IC IC I Bank under the Loan Terms or
any other Transaction Document or otherwise call upon the Borrower/s to pay all the Borrower/s’ Dues in
respect of the Facility.

25. IC IC I Bank shall be entitled, at the sole risk and cost of the Borrower/s, to engage one or, more
person(s) to collect the Borrower/s’ Dues and IC IC I Bank may (for such purposes) furnish to such person(s)
such information, facts and figures pertaining to the Borrowers as IC IC I Bank deems fit. IC IC I Bank may
also delegate to such person(s) the right and authority to perform and execute all acts, deeds, matters and
things connected therewith, or incidental thereto, as IC IC I Bank deems fit.


26. IC IC I Bank shall not in any way be liable/responsible, by reason of exercise or non-exercise of any rights
and remedies available to IC IC I Bank as aforesaid.

27. If any one (or more) Events of Default shall have occurred, then IC IC I Bank shall, in addition to the
various rights and remedies of IC IC I Bank referred to in the clauses above, be irrevocably entitled and
authorised to contact and require the Borrower/s' employers to make deduction/s from the salary/wages
payable by the employer to the Borrower/s and to remit the same to IC IC I Bank until all of the Borrower/s’
Dues outstanding from the Borrower/s to IC IC I Bank is/are completely discharged. The deductions shall be
of such amounts, and to such extent, as IC IC I Bank may communicate to (and instruct) the Borrower/s’
employers. The Borrower/s shall not have, or raise/create, any objections to such deductions. No law or
contract governing the Borrower/s and/or the Borrower/ s’ employer prevents or restricts in any manner the
aforesaid right of IC IC I Bank to require such deduction and payment by the Borrower/s’ employer to IC IC I
Bank. P rovided however that in the event the said amounts so deducted are insufficient to repay the
outstanding Borrower/s’ Dues to IC IC I Bank in full, the unpaid amounts remaining due to IC IC I Bank shall be
paid by the Borrower/s in such manner as IC IC I Bank may in its sole discretion decide and the payment shall
be made by the Borrower/s accordingly.

28. Notwithstanding any suspension or termination of the Facility, all rights and remedies of IC IC I Bank as
per the Loan Terms and other Transaction Documents shall continue to survive until the receipt by IC IC I
Bank of the Borrower/s’ Dues in full.

SET-OFF

29. (i) IC IC I Bank and its group companies shall have the paramount right of set-off and lien, irrespective of
any other lien or charge, present as well as future on the deposits of any kind and nature (including fixed
deposits) held/ balances lying in any accounts of the Borrower/s, whether in single name or joint name(s)
and on any monies, securities, bonds and all other assets, documents and properties held by/ under the
control of IC IC I Bank and/or its group companies (whether by way of security or otherwise pursuant to any
contract entered/ to be entered into by the Borrower/s in any capacity) to the extent of all outstanding
dues, whatsoever, arising as a result of any of IC IC I Bank's or its group companies’ services extended to
and/or used by the Borrower/s and/or as a result of any other facilities that may be granted by IC IC I Bank
and/or its group companies to the Borrower/s. IC IC I Bank and/ or its group companies are entitled without
any notice to the Borrower/s to settle any indebtedness whatsoever owed by the Borrower/s to IC IC I Bank
and/or its group companies, (whether actual or contingent, or whether primary or collateral, or whether joint
and/or several) hereunder or under any other document/ agreement, by adjusting, setting-off any
deposit(s) and/or transferring monies lying to the balance of any account(s) held by the Borrower/s with
IC IC I Bank and/or its group companies notwithstanding that the deposit(s)/ balances lying in such account(s)
may not be expressed in the same currency as such indebtedness. IC IC I Bank's and its group companies’
rights hereunder shall not be affected by the Borrower/s’ bankruptcy, death or winding-up. It shall be the
Borrower/s’ sole responsibility and liability to settle all disputes/ objections with any such joint account
holders. (ii) In addition to the above mentioned right or any other right which IC IC I Bank and its group
companies may at any time be entitled whether by operation of law, contract or otherwise, the Borrower
authorises the Bank: (a) to combine or consolidate at any time all or any of the accounts and liabilities of the
Borrower with or to any branch of IC IC I Bank and/or its group companies; (b) to sell any of the Borrower/s’
securities or properties held by the Bank by way of public or private sale without having to institute any
judicial proceeding whatsoever and retain/appropriate from the proceeds derived there from the total
amounts outstanding to IC IC I Bank and/or it group companies from the Borrower/s, including costs and
expenses in connection with such sale; and (c) in case of cross currency set-off, to convert an obligation in
one currency to another currency at a rate determined at the sole discretion of IC IC I Bank and/ or its group
companies. .

ADDITIONAL TERMS AND C ONDITIONS GOVERNING INSTANT GRANT AND DISBURSEMENT OF THE
FAC ILITY THROUGH THE P LATFORM/P ORTAL

THIRD PA RTY A LLIA NCES FOR THE FA CILITY

30. In case the Facility has been availed through a third party mobile application or website, pursuant to an
integration/arrangement with the P ortal: (i) IC IC I Bank holds out no warranty or makes no representation
about the quality, delivery or otherwise of the goods and services or the discount offered by any Alliance
P artner third party digital platform (“Alliance P artner”) where the Facility is being made available by IC IC I
Bank. Any dispute or claim regarding the goods, services and discount must be resolved by the Borrower/s
with the Alliance P artner directly without any reference to IC IC I Bank. (ii) IC IC I Bank shall not be liable in any
manner whatsoever for any loss/ damage/ claim that may arise out of use or otherwise of any goods/
services / discount / gift vouchers availed by the Borrower/s from the Alliance P artner under any
program/offer/alliance. (iii) IC IC I Bank shall not be impleaded in any direct / indirect / consequential claims,
actions, suits, proceedings, arising out of or resulting from (a) Non-performance or inadequate performance
or provision of deficient services or breach by the Alliance P artner or its personnel of any of its obligations
and (b) Acts, omissions, errors, representations, misrepresentations, misconduct, negligence of the Alliance
P artner and/or its personnel in performance of its obligations. (iv) IC IC I Bank may disburse the Facility to the
savings account of the Borrower/s and/or any other wallet/account/merchant partner/aggregator/account of
such third party that owns and runs the aforesaid mobile application or website, or a combination of these
accounts/wallets, and the entire amount that has been disbursed across these accounts/wallets shall be
treated as if the same had been disbursed in a sole account. (v) The Facility granted by IC IC I Bank shall be
at all times independent of any cancellation/revocation/return of goods, services or discounts offered by any
Alliance P artner, and shall remain unaffected and continue to remain unaffected in case of such
cancellation/revocation/return. For abundant clarity, the Facility and the obligations of the Borrower/s under
the Transaction Documents shall continue, as if the aforementioned cancellation/revocation/return had not
occurred in the first place. (vi) IC IC I Bank holds out no warranty or makes no representations and shall in no
way be held liable/responsible for any refunds/cashbacks/discounts that are due, or may become due to the
Borrower/s from the Alliance P artner, in any manner whatsoever.

MISCELLA NEOUS

31. The Borrower/s’ Dues, shall not be revoked or cancelled or affected by the death or insolvency of the
Borrower/s or any third party, and IC IC I Bank shall, so long as the whole (or any part) of the Borrower/s’
Dues remains outstanding/payable to IC IC I Bank, be entitled to act upon and enforce all of its rights
pursuant to, and in accordance with, the Loan Terms and the Transaction Documents executed by the
Borrower/s and/or any other persons to/in favour of IC IC I Bank.

32. The Borrower unconditionally agrees, undertakes and acknowledges that IC IC I Bank has an unconditional
right to cancel any outstanding un-drawn commitments under the Transaction Documents at any time
during the currency of the Facility and that IC IC I Bank shall endeavor to provide prior intimation of the same
to the Borrower.

32A. The Borrower unconditionally agrees and undertakes that the Facility shall, either in full or in part, not
be utilized towards purchase of gold, bullion, jewelry, acquisition of land/immoveable property, acquiring
equity shares of Indian company/ies and/or investment in capital markets.

33. The entries made in the accounts / account books / records of IC IC I Bank maintained in accordance with
its usual practice and in compliance with the statutory requirements and/or any statement signed by a
designated officer of IC IC I Bank with respect to the Borrower/s’ Dues, shall be final and binding on the
Borrower/s. Such entries and/or statements shall be conclusive evidence of the existence and amount of
outstanding obligations of the Borrower/s as therein recorded in respect of the Facility and the Borrower/s’
Dues.

34. In case IC IC I Bank recalls the Facility upon/after the occurrence of an Event of Default, and the
Borrower/s requests IC IC I Bank to accept part payment/s of the Borrower/s’ Dues and to permit the
Borrower/s to continue repaying the Installments in future, IC IC I Bank may entertain/accept such requests
upon such further terms and conditions as IC IC I Bank may think fit and proper in its sole discretion. Any
decision taken by IC IC I Bank not to allow such request/s of the Borrower/s shall be final and binding on the
Borrower/s.

35. All notices or other communications under or in connection with the Borrower/s’ Dues and/or the Loan
Terms shall be given in writing and, unless otherwise stated may be made by letter or facsimile or any other
electronic or telecommunication mode including email, Whatsapp or SMS. Any such notice or communication
will be deemed to be effective: (i) if sent by letter, when delivered personally or if dispatched by post, when
recall of the letter is outside the control of the sender; and (ii) if sent by facsimile, when sent (on receipt of a
confirmation to the correct facsimile number); and (iii) if sent by e-mail, WhatsApp, SMS or any other
electronic or telecommunication mode, when sent by the sender P rovided, however, that no notice or
communication to IC IC I Bank shall be effective unless actually received and acknowledged by IC IC I Bank.
Notices or communication may be made to: (i) the Borrower/s’ address or facsimile number or
telecommunication number/email ID registered with IC IC I Bank to which notices are to be sent (as specified
in the Application Form), and (ii) IC IC I Bank’s zonal / regional /branch office address or number (as specified
in the Application Form), or to such other address or number as may be designated by the Borrower/s and
IC IC I Bank in writing to each other. In the event of any failure by the Borrower/ s to notify IC IC I Bank in
writing of any changes in his/her/their contact address or details, service of a notice/ correspondence to the
address specified in the Application Form or last given by the Borrower/s shall be deemed to be proper and
sufficient service on the Borrower/s irrespective of whether or not such notice shall be returned “unserved”
to IC IC I Bank.

36. The Borrower/s shall not assign or transfer all or any of its rights, benefits or obligations under the Loan
Terms without the approval of IC IC I Bank. IC IC I Bank may, at any time, assign or transfer all or any of its
rights, benefits and obligations under the Loan Terms and the other Transaction Documents.
Notwithstanding any such assignment or transfer, the Borrower/s shall, unless otherwise notified by IC IC I
Bank, continue to make all payments under the Loan Terms to IC IC I Bank and all such payments when
made to IC IC I Bank shall constitute a full discharge to the Borrower/s from all its liabilities in respect of such
payments.

37. Without prejudice to the aforesaid provisions of clause 36, IC IC I Bank may (at its sole discretion), without
notice to the Borrower/s, share the credit risk of the whole or a part of the Facilities with any other person by
way of participation. Notwithstanding such participation, all rights, title, interests, special status and other
benefits and privileges enjoyed or conferred upon or held by IC IC I Bank under the Loan Terms and the other
Transaction Documents shall remain valid, effective and enforceable by IC IC I Bank on the same terms and
conditions and the Borrower/s shall continue to discharge in full all its obligations under the Loan Terms and
the other Transaction Documents to IC IC I Bank. The Borrower/s shall not have and shall not claim any privity
of contract with such person on account of any reason whatsoever.

38. Any provision of the Loan Terms or any other Transaction Document, which is prohibited or
unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of the prohibition or
unenforceability but that shall not invalidate the remaining provisions of the Loan Terms or such other
Transaction Document or affect such provision in any other jurisdiction.

39. No delay in exercising or omission to exercise any right, power or remedy accruing to IC IC I Bank upon
any default or otherwise under the Loan Terms or the other Transaction Documents shall impair any such
right, power or remedy or shall be construed to be a waiver thereof or any acquiescence in such default, nor
shall the action or inaction of IC IC I Bank in respect of any default or any acquiescence by it in any default,
affect or impair any right, power or remedy of IC IC I Bank in respect of any other default. The rights of IC IC I
Bank under the Loan Terms and the other Transaction Documents may be exercised as often as necessary,
are cumulative and not exclusive of their rights under the general law and may be waived only in writing and
specifically and at IC IC I Bank’s sole discretion.

40. Any claim or dispute whatsoever (whether in contract, tort or otherwise) arising out of or in connection
under these Loan Terms, including any question regarding its construction, meaning, existence, validity,
breach, recall, recovery or termination, shall be resolved and settled by or through the process of mediation
or conciliation if the Borrower/s and the Bank agree to such process, and which process will be administered
in accordance with the applicable mediation or conciliation rules of the Sama, an independent online dispute
resolution institution. If the Borrower/s and the Bank cannot agree to undertake such process, or if the
mediation or conciliation process does not resolve the claim or dispute within the period stipulated in such
rules or within a period of days (whichever is earlier), then the claim or dispute shall be taken forward for
resolution by means of arbitration in terms of the applicable rules of Sama, and in accordance with the
Arbitration and C onciliation Act, 1996, which shall be conducted (including for recording of evidence or
tendering of documents), concluded and administered online by Sama through its website/platform
www.sama.live or mobile application. The arbitral tribunal shall consist of an independent sole arbitrator
appointed in accordance with the applicable arbitration rules of Sama. The seat of arbitration proceedings
shall be Mumbai. The procedural law of arbitration shall be rules of Sama.

41. The Facility, Loan Terms and the other Transaction Documents shall (unless otherwise specified in any
Transaction Document) be governed by and construed in accordance with the laws of India.

42. IC IC I Bank shall, as it may deem appropriate and necessary, be entitled to disclose all or any: (i)
information and data relating to the Borrower/s; (ii) information or data relating to the Facility, Loan Terms,
Transaction Documents (iii) obligations assumed / to be assumed by the Borrower/s in relation to the Facility
under the Loan Terms, the Transaction Documents ; (iv) default, if any, committed by the Borrower/s in
discharge of the aforesaid obligations, to the C redit Information Bureau (India) Limited (“C IBIL”) and any
other agency authorised in this behalf by the RBI. C IBIL and / or any other agency so authorised may use
and/or process the aforesaid information and data disclosed by IC IC I Bank in any manner as deemed fit by
them. C IBIL and / or any other agency so authorised may furnish for consideration, the processed
information and data or products thereof prepared by them, to IC IC I Bank / financial institutions and other
credit grantors or registered users, as may be specified by RBI in this behalf. All information and data
furnished by the Borrower/s to IC IC I Bank from time to time shall be true and correct.

 43. In case the Borrower/s commits any default in payment or repayment of principal amount of the Facility
or interest/charges due thereon, IC IC I Bank and/or the RBI will have an unqualified right to disclose or
publish the details of such default along with the name of the Borrower/s and/or its directors/partners/co-
applicants, as applicable, as defaulters in such manner and through such media as IC IC I Bank and/or RBI
may, in their absolute discretion, think fit.

44. The Borrower/s’ liability for repayment of the Borrower/s’ Dues shall, in cases where more than one
Borrower have jointly applied for the Facility, be joint and several. If the Borrower/s is an individual doing
business as a sole proprietary concern, the Borrower/s shall be solely responsible for the liabilities of the
aforesaid concern and will be personally liable for making repayment / payments of all amounts in respect of
the Facility to IC IC I Bank. 45. IC IC I Bank has the absolute discretion to amend or supplement any of the
Loan Terms at any time and will endeavour to give prior notice of fifteen days by email or put up on the
website as the case may be for such changes wherever feasible and such amended terms and conditions
will thereupon apply to and be binding on the Borrower. Further, the Loan Terms shall also be subject to the
changes based on guidelines / directives issued by the RBI to banks from time to time.

Customer Name :

(Account Holder/s)

Name: MOHIT ARUN C HINC HKHEDE

IP Address: 103.158.30.171

Time Stamp: 11-04-2022 18:02:31