Passport size

DBFS Finance & Leasing (India) Ltd. photograph

.
CUSTOMER DETAILS SHEET (Sign Across)
Personal Details- Borrower X1
Please read instructions carefully before filling up the form

* USE CAPITAL LETTERS ONLY

Name of the Applicant

Loan Type LAS LPS Gold ETF

Sex Male Female

Father/Husband’s Name Relation
Date of Birth Age

Residential Address

City State Country Pin code

Mobile No. Landline No.

Email ID
Educational
PAN No.
Qualification

Occupation Details

Salaried Professional Retired

Agriculture Student Housewife
Others (Please Specify)

No. of years into

Business/Employment

If Salaried, employed with:

Private Ltd. Partnership Proprietorship
Public sector Government Multinational
Public Ltd.
Others (Please Specify)
Name & Address of the
Employer

If Business :
Name of Business Manufacturing Agriculture
Real Estate Service Provider
Trader Stock Broker
Others (Please Specify)

-2- Signature X2
Type of Company/Firm:
Private Ltd. Partnership Proprietorship
Public Ltd.
Others (Please Specify)

If Self-employed Professional:
Doctor CA/CS Lawyer
IT Consultant Architect
Others (Please Specify)

Source of Fund:
Salary Business Income Agriculture
Investment Income
Others (Please Specify)

Gross Annual income:

Below 50,000 50000-1 Lakh 1 - 3 Lakhs
3 - 5 Lakhs 5 - 7 Lakhs 7 - 10 Lakhs
10 -15 Lakhs Above 15 Lakhs

Owned Rented Ancestral or Family Company Provided

Resident
Type

Bank Account Details:

Bank Name
Branch Name Account No.

Depository Account Details:

Client BoID DP Id.

DP Name

Securities Account Details

Client ID Broker Name

Branch Name

Instructions: 1. Please fill up in CAPITAL LETTERS only

2. Please use common English characters only.
3. There should not be any overwriting / erasures / cuttings / amendments etc.
4. Please do not use any prefix with the name like Mr. / Mrs. / Dr. etc.

Signature X3
-3-
 REQUEST LETTER FOR LAS / LPS FACILITY

DBFS Finance & Leasing (India) Ltd.,

Cochin - 682 021.

Dear Sir,

I/we hereby request you to grant me/us loan of Rs.________________lacs against

securities / Purchase of securities/Mutual Funds

Thanking you,

Yours truly,

Signature __________________ (X4)

Name of the Client ____________________________

Place:

Date:

-4-
 FREE OF CHARGE LETTER

To,

DBFS Finance & Leasing (India) Ltd

Cochin - 682 021

Reg: - Loan against securities availed by Mr. / Ms. / M/s ----------------------------------

Loan for Securities / Loan for Purchase secured by Pledge of Shares/Securities / Mutual
Fund Units
Dear Sirs,

I/We hereby confirm that I am/ we are the true and rightful owner of the shares /
securities / mutual fund units / bonds pledged / agreed to be pledged/ transferred DBFS
Finance & Leasing India Ltd. as security for Loan against securities / Loan for purchase
of securities, and that these securities do not form part of any undisposal undertaking
submitted by me/us, to any of its lenders and are free from all charges, lock-in and
encumbrances

Yours truly,

Signature __________________ (X5)

Name of the Client ____________________________

Place:

Date:

Sl No. Name of Securities/Shares No.of Share Value as on

Shares Category Date

-5-
CHECKLIST OF NECESSARY DOCUMENTS FOR LAS/LPS A/C

Received
No. of Copies or Not
Requirements for Individuals for Borrower (Yes/No)
Passport size Photograph signed on both sides 5
"SELF ATTESTED " Copy of address proof 2
"SELF ATTESTED " Copy of Identity proof 2
"SELF ATTESTED " Copy of PAN Card 2
"SELF ATTESTED " Copy of ITR's filed for last 2
Years / Net worth Certificate duly signed and stamp by
CA 1each
Completed Bank Account Opening Form 1
" SELF ATTESTED" Copy of Bank A/c Statement for
last 3 or 6 months(Latest) 1
Rs.800 cheque in favour of DBFS Finance& Leasing
(India) Ltd. towards processing fees 1
Security Cheques in favour of DBFS Finance&
Leasing (India) Ltd.(without date& Amount) 2

Name of Branch in Charge:-

Signature :-
Branch In Charge

_______________________________TEAR HERE____________________________________

ACKNOWLEDGEMENT

Form No:

Received the application from Mr.____________________________________.Your account will

be opened within 30 days from the receipt of this application, after verification by DBFS (F&L)
(I) Ltd., discrepancies (if any) would be intimated to you.

For DBFS Finance & Leasing (India) Ltd.,

.

Stamp of Date & Time

-6-
 LETTER OF AUTHORISATION

DBFS Finance &Leasing (India) Ltd,

2nd Floor, Smart Centre, Vazhakkala
Cochin- 682021.

Dear Sirs,

I/We have availed financing facility granted by you.

I/We hereby irrevocably authorise you to make periodic disbursements out of the facility
amounts into my/our bank account(s) and transfer there from, on receipt of oral or written
intimation from me/us or otherwise, based on my/our obligation reports/data and to
receive directly out of my/our bank account(s) sums credited to the account(s) and to
appropriate the same towards amounts due from me/us under the said financing facilities.

I/We hereby authorise you to transfer to any other account at any time and from time to
time, shares lying in my/our depository account(s) and /or funds lying in my/our bank
account(s) on receipt of oral or written intimation from me/us or otherwise based on
my/our obligation reports/data. I/We hereby authorise you to accept from time to time,
shares to be credited to my/our depositary account(s) and /or funds to be credited to
my/our bank account(s).
I/We herby clearly state that the above authority given to you cannot be revoked and no
prior notices for the adjustment or transfer is required.
I/We hereby irrevocably undertake to maintain margins at the levels prescribed by you
form time to time and notwithstanding anything contained in the agreement for financial
facilities, if the value of the margin falls below the minimum required margin, you are
hereby empowered immediately and without reference or notice to me/us to dispose of all
or any of the securities belonging to me/us by sale or otherwise and forthwith transfer the
proceeds to you towards liquidation of amounts due to you and/or to your holding
company or its subsidiaries.

I/We further authorise you, holding securities on behalf of me/us (in form of fixed
deposit/units of mutual fund/shares and securities, cash or in any other form), as margin
or security, to sell/transfer or dispose of such securities towards margin requirements or
for the satisfaction of dues from me/us to you or and/or to your holding company or its
subsidiaries, in part or otherwise at my/our risk and cost. After, doing the inter-account
adjustment within the company or between companies as mentioned above, if there is any
further amount due from me/us, them I/We will be severally and jointly responsible to
pay it on demand from you.

This is in addition to the powers and rights contained in the facility agreements.

Yours truly,

Name of the Client:------------------------------------

Signature of the Client (X6)

DD MM Y Y Y Y
Place__________________ Date

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 RISK DISCLOSURE DOCUMENT LOAN AGAINST SECURITIES/SHARES (LAS)

There are inherent risks associated with borrowing against marketable securities; you should therefore
consider carefully whether such borrowing is appropriate to you and your particular financial
circumstances. Some of the issues which you should take note of and understand in deciding whether to
borrow money on this basis, are given below. However, you should take independent advice, especially on
the risks involved, before entering into LAS agreement and availing the loan under LAS facility, DBFS
(F&L) India Ltd not providing personal investment advice in making the LAS facility available. In
particular, DBFS (F&L) ) India Ltd in providing this facility to you has not considered in any way its
suitability to your financial circumstances and needs etc.

1. You are exposed to the volatility of the market and to the determination by DBFS (F&L) ) India
Ltd, of the value of the securities forming part of your margin/security. If there is a decrease in the
value of the securities which are forming a part of your margin, you will be required to makeup the
shortfall of such margin on short notice.

DBFS (F&L) ) India Ltd may lend funds up to the point where the Security Value of your portfolio
has prescribed margin coverage over an above your loan value. Each approved security is assigned
a Valuation factor. The market value of a security multiplied by its Valuation factor represents the
maximum amount DBFS (F&L) ) India Ltd shall at any point of time lend against that security
provided it has prescribed margin coverage over and above the loan amount. DBFS (F&L) ) India
Ltd may change this Valuation factor at its absolute discretion at any time, which will affect the
amount which DBFS (F&L) is prepared to advance and as regards your existing loan outstanding
you may be required to either top up your portfolio with additional acceptable securities or funds
or reduce your borrowing to acceptable levels. In some instance the shortfall must be make good
within few hours of receipt of notice communication of shortfall.

Examples:-

(a) Lets consider the following example where the value of the loan/finance amount is denoted by “a”
value of the securities forming part of the margin is denoted by “b” and the margining% is [(b-
a)/b]*100 and
a = Rs.40,00,000
b = Rs.50,00,000
Margin % = [(50,00,000-40,00,000)/50,00,000)*100=20%
Ie, you have securities forming margin/security) with a market vale of say Rs. 50,00,000 against a loan
balance of Rs. 40,00,000 from DBFS (F&L) )India Ltd the available margin is 20%, assuming that
DBFS (F&L) ) India Ltd required you to maintain at least 20% margin in your LAS account in the
form of approved securities, your position is just satisfactory.

Now taking a hypothetical example if due to fall in the market & or fall in the value of particular
shares/stocks, securities against which you have availed the loan, the value of your margin/security
falls to say Rs. 45,00,000, the revised available margin% position shall stand changed as under;

a = Rs.40,00,000
b = Rs.45,00,000
Margin % = [(45,00,000-40,00,000)/45,00,000)*100=11%

Now as DBFS (F&L) ) India Ltd requires you to maintain at least 20% margin in your LAS account in
the form of approved securities, there arises a margin shortfall in your loan account and accordingly
you would therefore be required to repay proportionate amount of your loan according to the value of
the margin shortfall in your account in order to bring your margin % at desired level or alternatively,
you may provide additional approved securities to be held as collateral against your loan. These
securities would have to have a market value which, when multiplied by the appropriate valuation
factor, would make up the margin shortfall and raise your available margin % to the desired level,
which in this illustration is 20%.

If you are unable to make up the shortfall by following either or both of these courses of action, DBFS
(F&L) India Ltd may be forced to sell your securities to meet the above mentioned margin shortfall in
your account. If you are required to make good any shortfall, DBFS (F&L) India Ltd is entitled to
exercise its rights against any security held by it, even if you have not received notice of the shortfall.

Signature X7

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 As you are required to ensure maintenance of required margin on your own without notice, DBFS
(F&L) India Ltd may decide to take liquidation /sale action of your shares/stocks/securities at any time
without notice, if circumstances so require in the opinion and discretion of DBFS (F&L). Such
situations may disallow you to respond by making payments if you have been depending on margin
calls/demands by DBFS (F&L) India Ltd by telephone and/or email etc.

(b) An even more extreme situation may arise if the value of your shares/stocks/securities falls to such
levels that their cumulative value falls below the balance of your loan amount. In this case, even
after sale/liquidation of your entire set of shares/stocks/securities i.e, portfolio, there may still
remain balance payable by you in your loan account. It may also be worth considering that as
DBFS (F&L) India Ltd is entitled to sell any security that it holds as collateral /security, if
necessary, to make good the shortfall it may sell such shares/stocks which you may not have
desired to be sold.

FURTHER IN MOST OF SUCH SITUATIONS EXTREME LOSSES MAY ACCURUE TO YOU AS

YOUR SECURITIES WOULD GET SOLD IN A DEPRESSED MARKET CONDITION AND MAY
FETCH YOU MUCH SMALLER AMOUNTS THAN WOULD HAVE BEEN THE CASE IN
DIFFERENT MARKET CONDITONS.

2. You should also take the precautionary measure of calling DBFS (F&L) India Ltd to discuss the
impact on your position if there are changes occurring in the market which may require topping up
of margin by you, if you are intending to travel or if you are likely to be contactable for a period of
time, arrangements should be made so that, if necessary, additional securities or funds can be
placed with DBFS (F&L) India Ltd. In this way you can protect yourself against DBFS (F&L)
India Ltd taking action to liquidate shares/stocks/securities held as security, to make good any
shortfall occasioned by a drop in value of the securities or a change in the applicable valuation
factor.
3. The amount that DBFS (F&L) India Ltd prepared to advance against the securities forming part of
your margin and the securities against which DBFS (F&L) India Ltd is prepared to advance money
is not an indication of the financial stability or financial prospects of the securities selected and
should not be used as a guide to which securities you decide to borrow against.
4. If you are acting as a guarantor of such borrowing, by virtue of such guarantee you will assume
personal liability for amounts due to DBFS (F&L) India Ltd, and will bear the risks that have been
outlined above.
5. DBFS (F&L) India Ltd does not provide taxation advice and recommends that you seek
professional taxation advice before making any investment or making an application for a loan
under the securities based lending scheme.
6. If you are intending to negatively gear your investment you should be aware that you may not have
received the income or the benefit of any tax deductions at the time you are required to pay interest
to DBFS (F&L) India Ltd. There is therefore a possible timing mismatch in terms of making an
interest payment before you receive any tax benefit, You should ensure that you will have
adequate income or resources at all times to make any interest payment so you are required to
make or that you must have sufficient borrowing capacity under the LAS facility to allow
capitalization of interest.

Signed and delivered by the within named

Borrower:
Signature X8

Witness:

Signature Branch in Charge

Place: D D MM Y Y Y Y

-9-
From,
___________________
___________________
___________________

To,
The Manager - Credits
DBFS Finance & Leasing (India) Ltd,
Smart Centre, Vazhakkala, Cochin - 21

Sir,

Sub:-Schedule of Securities – Authority for addition, removal and substitution

Ref: Master Loan Agreement dated ____________

This is with reference to the Master Loan Agreement executed by us on ___________ for
Loan against securities/ Loan against purchase of securities. Please find enclosed here
with the Schedule of Securities, which are currently provided by me/us towards collateral
for the facility. We affirm that these or such other securities as may be made available to
you by me/us from time to time shall be considered as the “said securities” referred to in
the Master Loan Agreement. I/we hereby authorise DBFS Finance & Leasing India Ltd.
(DFL) to add, remove or substitute any security/ies in the said Schedule of Securities
from time to time either on the basis of my/our communication- verbal or written- or
consequent to purchase or sale of securities by me/us from the market, through my/our
trading account with DBFS Securities Ltd. (Trading Member) for which trading member
may submit the Contract Note to you.

Without prejudice to the generality of the above, when I/we sell shares which are
included in the Schedule of Securities, DFL may release the relevant securities (covered
in the Contract Notes) to DBFS Securities Ltd. towards pay-in obligation. So also, when
shares are bought in the trading account, DFL may accept the relevant securities (covered
in the Contract Notes) as collateral / margin for the credit facility availed by me/us.

Yours truly,

X9 ________________

Name:

Date:

Place:

- 10 -