Loan ProductsApplication Form

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KEY THINGS YOU SHOULD KNOW?We, The Hongkong and Shanghai Banking Corporation Limited, India (HSBC/the Bank) offer Home Loans and Loans Against Property at

floating rate of interest. From time to time we also offer fixed rate for Home Loans and Loan Against Property for specific loan tenures.For details, if fixed rate special offering is available, the offering features and the applicable terms and conditions reach out to yourRelationship Manager or visit the nearest HSBC branch or visit our website www.hsbc.co.in

?Floating rate loans are linked to our Base Rate, which is published on our website. Any change in Base Rate will impact the interest rateon your loan. This will have a corresponding impact on your Equated Monthly Instalment (EMI) and/or loan tenure depending on ourprevailing policy

?The facility offered on your loan is subject to certain fees/charges applicable before and after disbursal. Please refer to the ‘Loan ServiceCharges and Fees’ section of our website for details

?We request you to read the loan agreement carefully and ensure that key terms such as interest rate, loan amount, loan tenure, EMI,processing fees, pre-payment charges, if applicable, are clearly stated before you sign the agreement

?Your security documents need to be stamped/franked as per local stamp duty laws, at your expense. Your Relationship Manager would be able to advise you on the applicable stamp duty for your loan

?You are required to insure your property with an insurance company for loss due to fire, earthquake, floods and other damages, with TheHongkong and Shanghai Banking Corporation Limited, India being the beneficiary of the policy

?Interest on your loan will accrue on a daily basis and will be payable in EMIs through a Standing Instruction (SI) or letter of authority todebit your HSBC Account

?You need to pay your EMI on the due date. Non-payment of EMI would impact, including and not limited to:

- Your credit rating (reporting to Credit Bureaus)

- Other loans availed of from HSBC

In addition to the above, the Bank may initiate collections and legal action to recover the dues; the Bank can recall the loan and theproperty can be attached.

?Please seek independent professional tax advice for any tax related issues and implications on/of your loan

?We will notify you of any changes in the terms and conditions of this product with prior notice of one month

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DOCUMENTS REQUIRED FOR ALL LOANS (All documents to be self-attested)

Proof of Identity (PI) (any one) Proof of Present Residential Address (PRA) (any one) Proof of Age (any one)

• Passport• Election/Voter’s ID• Permanent driving licence• Permanent Account Number (PAN card)• Aadhaar card

• Passport• Election/Voter’s ID• Permanent driving licence• Society outgoing bill (only from registered societies)• Electricity/Water/Telephone bill• Gas bill (pipeline connection only)• Property tax bill• Domicile certificate with address issued by Municipal

Corporation

• Passport• Permanent driving licence• PAN card

The above PI and PRA and proof of age is an indicative list and is acceptable based on our existing policy, as applicable at the time of application of the loan. For more details, you can speak to your Relationship Manager (RM) or visit the nearest branch.

Please note:If the address on the document submitted by you as PI is the same as that declared in the application form, the document may be accepted as a valid proof of both PI and PRA. If the address indicated on the document submitted for PI differs from the address mentioned in the application form, a separate proof of PRA would be obtained.

We request you to submit completed application form to your RM. Kindly affix a passport size photograph with signature across.

FINANCIAL DOCUMENTS REQUIRED (All documents to be self-attested)

Mentioned below are the basic documents required. You are requested to speak to your RM or visit the nearest branch for more details.

Particulars Resident Indian

Salaried individuals • Latest 3 months' salary slips showing statutory deductions• Bank statements for last 3 months showing last 3 salary credits

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Self-employed individuals/partnership? rm (loans will be extended in favourof partners)/private limited companies(loans will be extended in favour ofdirectors).

• Acknowledged IT returns for last 2 years (including e-acknowledgement)• P&L account, balance sheet certified/audited by CA and computation of income for last 2 years with all annexures and auditor's report• Primary bank account statements for last 6 months• For partnership firm additionally partnership deed is required• For private limited companies additionally required:

a) Shareholding pattern or Memorandum and Articles of Association duly attested by a CAb) List of directors

Consultant/Self-employed professional • Acknowledged IT returns for last 2 years (including e-acknowledgement)• P&L account, balance sheet certified/audited by CA and computation of income for the last 2 years with all annexures and auditor's report• Primary bank account statements for last 6 months

Particulars NRI (Non-Resident Indian) applicant

Salaried • Copy of valid Indian passport showing Visa stamps or copy of foreign passport equivalent documents • Copy of valid Visa/work permit/equivalent documents supporting the NRI status of applicant accountholder

• Latest contract copy evidencing salary/salary certificate/wage slips• Overseas bank account statements for last 3 months showing salary credits• 3 months NRE/NRO account statement• Local bureau report of the country where customer is based

Working in merchant navy • Latest contract copy. If on 'home port' for more than 6 months this year, future contract copy is required

• Latest Continuous Discharge Certificate (CDC) for 3 years employment proof• Copy of passport for proof of identity• Bank account statements – 3 months' of primary bank accounts• Local bureau report of the country where customer is based (applicable if country of

residence is other than India)

Self-employed • Trade licence or equivalent document• 6 months’ overseas bank account statements and NRE/NRO account statements• Computation of income, P&L account and balance sheet for last 3 years certified by a CA/CPA or any other relevant authority as the case may be (or equivalent company accounts)

• Passport copy with valid Visa stamp• Brief profile of the applicant and business in the specified format• Local bureau report of the country where customer is based

Note: Please refer to www.hsbc.co.in for more information. The above stated requirements/documentation is subject to change and is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC/the Bank).

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∑BZH$_ Q>°ä g [aQ>›©g H$s EH$Zm∞boO H$s hB© ‡V (B©-EH$Zm∞boO H$mo _bmH$a)∑nr E›S> Eb AH$mCßQ>, ~°b|g erQ,> Omo MmQ>©S>© EH$mCßQ>|Q> ¤mam ‡_m[UV/boIm nar[jV hmo VWm gr gßbpΩH$mAm| Am°a Am∞S>Q>a

H$s [anmoQ>© Ho$ gmW nN>bo 2 dfm] H$s Am H$s gßJUZm ∑nN>bo 6 _hrZo H$o ‡mB_ar ~¢H$ EH$mCßQ> Ho$ ÒQ>oQ>_|Q≤>g

Òd-amoOJma Ï∫$/mJrXmar gßÒWm (H$O© mJrXma Ho$ Zm_ Xm OmEJm)/‡mBdoQ> b_Q>oS> Hß$nZrO Ho$ bE (H$O© ZXeH$ Ho$ Zm_ Xm OmEJm). H$O©

mJrXma (am|)/\$_©/Hß$nZr Ho$ ZXeH$(H$m|) H$mo r Xm Om gH$Vm h°, Og_| \$_©/Hß$nZr H$mo gh-AmdoXH$ Ho$ Í$n _| bm OmEJm.

∑H$m∞›Q¥>oä Q> H$s ZdrZV_ ‡V. AJa Bg df© 6 _mh go AYH$ Ho$ bE hmo_ nmoQ>© na hm| Vmo dÓ H$m∞›Q¥>oä Q> ‡V MmhE∑3 dfm] H$s Zm°H$ar Ho$ ‡_mU _| ZdrZV_ H$›Q>r›yAg S>gMmO© gQ>©\$Ho$Q> (grS>rgr)∑nhMmZ Ho$ ‡_mU Ho$ bE nmgnmoQ>© H$s ‡V∑~¢H$ EH$mCßQ> ÒQ>oQ>_|Q≤>g- ‡mB_ar ~¢H$ EH$mCßQ≤>g Ho$ 3 _hrZo∑Cg Xoe H$s ÒWmZr „yamo [anmoQ>© Ohmß JmhH$ pÒWV h° (V~ bmJy O~ Zdmg H$aZo H$m Xoe maV Ho$ Abmdm hmo)

AphÌeL$ _pZpL$ue v$ısph°≈° (sdpd v$ısph°≈° ıheÑ ‚dprZs L$f°gp lp°hp ≈°CA°)

Òd-amoOJma (goÎ\$ EÂnbm∞ S>) ∑Q¥>oS> bmg|g m g_H$j XÒVmdoO∑6 _hrZo H$o AmodagrO ~¢H$ EH$mCßQ> ÒQ>oQ>_|Q≤>g VWm EZAmaB©/EZAmaAmo EH$$mCßQ> EÒQ>oQ>_|Q≤>g>∑nN>bo 3 dfm] H$s Am gßJUH$m, nr E›S> Eb AH$mCßQ> Am°a ~°b|g erQ,> Omo r _m_bm hmo, Omo grE/grnrE m A› gß~ßYV

AYH$mar ¤mam ‡_m[UV hmo (m g_H$j Hß$nZr EH$mCßQ≤>g) ∑nmgnmoQ>© ‡V, Og na d°Y drOm ÒQ>¢n bJm hmo∑ZYm©[aV ‡mÍ$n _| AmdoXH$ Amoa CgHo$ Ïdgm Ho$ ~mao _| gßj· ddaU ∑Cg Xoe H$s ÒWmZr „yamo [anmoQ>© Ohmß JmhH$ pÒWV h°

Q>flnUr : H•$nm AYH$ OmZH$mar Ho$ bE www.hsbc.co.in na OmE±. Cnamo∫$ CÎboIV AmdÌH$VmE±/‡boIZ n[adV©Z Ho$ AYrZ h¢ Am°a "X hmßJH$mßJ EßS> eßKmB© ~¢qH$J H$m∞nmaoeZ b_Q>oS>, BßS>m' (""EMEg~rgr''/""~¢H$'') Ho$ Òdß Ho$ ddoH$ na AmYm[aV h°.

HOME LOAN APPLICATION PROCESS FLOW

Sr. No. Steps No. of days

1. Customer discusses loan requirement with HSBC

2. Customer submits Home Loan application form, processing fee cheque of `5,000 plus service tax and required documentation as per HSBC's policy

3. HSBC processes the application and communicates the decision of pre-approval/decline. Letter is sent tocustomer informing of this decision

4-5 working days post submission of complete documents

4. On receipt of letter, customer submits property documents as applicable. HSBC completes evaluation of the property i.e. valuation and legal evaluation

13 working days post submission of copies of complete property documents

5. Customer submits documents for finalisation of loan as per HSBC's policy along with the balance processing fee cheque

6. The loan is processed based on HSBC's policy 2 working days post submission of complete documents

7. If the loan is sanctioned, customer submits loan agreement and other loan documents specified by HSBC for disbursal

_uQ° AphÌeL$ d|m v$ısph°≈° Ap‡ep R>°. hy rhNsp° dpV°$ sdpfp qfg°i_ri d°_°S>f ≈°X°$ hps L$fp° A\hp _∆L$_u ipMp_u dygpL$ps gp°

rhNsp°

Npfv$pf Ïe[ºs

ıhfp°S>Npfu Ïe[ºs/ cpNuv$pf °Y$u (gp°_ cpNuv$pfp°_u sfa°ZdpÑ Api°) / ‚pCh°V$ rgrdV°$X$ LÑ$ _uAp° (gp°_ X$pef°ºV$fp°_u sfa°ZdpÑ Api°). gp°_ °Y$u/ LÑ$ _u_p cpNuv$pf(fp°) / X$pef°ºV$f(fp°)_° Apu iL$pe, ƒepÑ °Y$u/ LÑ$ _u kl- AfS>v$pf sfuL°$ gC iL$pe

L$fikÎV$fiV$/ ıhfp°S>Npfu ÏephkpreL$

L$pev°$kf L$ ps bsphsu R>°ÎgpdpÑ R>°Îgp 3 drl_p_u Npf_u [ıg;A_°R>°Îgp 3 Npf S>dp \ep lp°hp_yÑ v$ipÆhspÑ R>°Îgp drl_p_pÑ b°fiL$ r_h°v$_p°.

r_hpku cpfsue

∑R>°Îgp 2 hjÆ_yÑ lp¢Q kp\°_yÑ ApCV$u qfV$_Æ (C-A°º_p°g°S>d°fiV$ krls)∑kuA° ‹pfp ‚dprZs/ Ap°qX$V$ L$f°gyÑ u A°fiX$ A°g MpsyÑ, b°g°fik iuV$ A_° sdpd buX$pZp° A_°

Ap°rX$V$f_u _p¢ kp\° Ns 2 hjÆ dpV°$ AphL$_u NZsfu∑R>°Îgp 6 drl_p dpV°$ ‚p\rdL$ b°fiL$ MpsyÑ r_h°v$_∑cpNuv$pfu °Y$u dpV°$ hpfp_yÑ cpNuv$pfu_yÑ X$uX$ AphÌeL$ R>°∑‚pCh°V$ rgrdV°$X$ LÑ$ _uAp° dpV°$ hpfp_u AphÌeL$spAp°:

A°) kuA° ‹pfp ep°¡e ‚dprZs i°flp°[ÎXÑ$N °V$_Æ A\hp d°dp°f°fiX$d A°fiX$ ApqVÆ$L$Îk Ap°a A°kp°rke°i_bu) X$pef°ºV$fp°_u epv$u

∑R>°Îgp 2 hjÆ_yÑ lp¢Q kp\°_yÑ ApCV$u qfV$_Æ (C-A°º_p°g°S>d°fiV$ krls)∑kuA° ‹pfp ‚dprZs/ Ap°qX$V$ L$f°gyÑ u A°fiX$ A°g MpsyÑ, b°g°fik iuV$ A_° sdpd buX$pZp° A_°

Ap°rX$V$f_u _p¢ kp\° R>°Îgp 2 hjÆ dpV°$ AphL$_u NZsfu∑R>°Îgp 6 drl_p dpV°$ ‚p\rdL$ b°fiL$ MpsyÑ r_h°v$_

rhNsp° A°_ApfApC (_p°_- f°rkX°$fiV$ CrfiX$e_) AfS>v$pf

Npfv$pf

dQÆfiV$ _°hudpÑ _p°L$fu

∑rhTp ıV°$Á‡k v$ipÆhsp ‚dprZs cpfsue pkp°VÆ$_u _L$g A\hp rhv°$iu pkp°VÆ$_u kdL$n v$ısph°≈°_u _L$g

∑AfS>v$pf MpsppfL$_u A°_ApfApC [ı\rs_° kd\Æ_ Apsp ‚dprZs rhTp / hLÆ$ frdV$ / kdL$n v$ısph°≈°_u _L$g

∑Npf / Npf ‚dpZ” / Npf_u [ıg_p yfphpÍ$ ° R>°ÎgpdpÑ R>°Îgp L$p°fiV≤$pºV$_u _L$g∑Npf S>dp \ep_yÑ bsphspÑ R>°Îgp 3 drl_p_pÑ v$qfeppf_u b°fiL$_pÑ Mpsp r_h°v$_p°∑3 drl_p_yÑ A°_ApfC / A°_ApfAp° Mpsp r_h°v$_∑N∞plL$ [ı\s lp°e s° v°$i_p° gp°L$g Âeyfp° qfp°VÆ$

∑R>°ÎgpdpÑ R>°Îgu L$p°fiV≤$pºV$_u _L$g. ≈° Ap hj£ 6 drl_p\u hy kde dpV°$ ' lp°d p°VÆ$ ' f lp°e sp° „eyQf L$p°fiV≤$pºV$_u _L$g AphÌeL$ fl°i°

∑3 hjÆ_p _p°L$fu_p yfphp dpV°$ R>°ÎgpdpÑ R>°ÎgyÑ L$[fiV$fieyAk qX$ıQpS>Æ kqVÆ$qaL°$V$ (kuX$uku)∑Ap°mM_p yfphp dpV°$ pkp°VÆ$_u _L$g∑b°fiL$ MpsyÑ r_h°v$_-‚pCdfu b°fiL$ AL$pDfiVπ$k_p 3 drl_p∑N∞plL$ [ı\s lp°e s° v°$i_p° gp°L$g Âeyfp° qfp°VÆ$ (≈° r_hpku v°$i cpfs rkhpe_p° Afie lp°e sp° gpNy)

_p¢ : L©$ ep hy dprlsu dpV°$ www.hsbc.co.in Sy>Ap°. Dºs _p¢ °gu AphÌeL$spAp° / v$ısph°∆L$fZ a°fapf_° Apu_ R>° A_° lp¢NL$p¢N A°fiX$ ipÑOpC b°[fiLÑ$N L$p° p£f°i_ rgrdV°$X$, C[fiX$ep (""A°QA°kbuku''/""b°fiL$'')_u df∆ f R>°.

8. Loan is disbursed post submission of loan agreement and other required documents by the customer

1 working day post submission of duly stamped and completed loan agreement

9. Loan Pay Order is prepared 1 working day post loan disbursal

10. HSBC dispatches welcome pack to the customer 7 working days post loan disbursal

Your loan will be disbursed in full or in instalments as per the schedule submitted by the builder and progress of construction as assessed by HSBC. As per our guidelines, the loan disbursal will be subject to clearance of legal and valuation reports. Please do note that your loan disbursal is at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India. The above timelines are indicative and we would strive to meet them on a best effort basis.1Legal turn around time (TAT) is ‘State’ specific.

lp°d gp°_ Af∆ ‚qæ$ep ‚hpl

A_y.æ$.

NgpÑ qv$hkp°_u kÑøep ?

1. N∞plL$ A°QA°kbuku kp\° gp°__u AphÌeL$sp rhi° QQpÆ L$f° R>°

2. N∞plL$ lp°d gp°_ Af∆ ”L$ kp\° Í$. 5000_u ‚p°k°tkN au_p° Q°L$ h—p k°hp L$f A_° A°QA°kbuku_u _urs A_ykpf AphÌeL$ v$ısph°≈° ky fs L$f° R>°.

3. A°QA°kbuku Af∆ ‚p°k°k L$f° R>° A_° |hÆ- dÑS|>fu/ _L$pf_p r_ZÆe_u ≈Z L$f° R>°. Ap r_ZÆe_u ≈ZL$pfu Apsp° ” N∞plL$_° dp°L$ghpdpÑ Aph° R>°.

4. ” ‚p‡s \hp f N∞plL$ gpNy dyS>b rdgL$s_p v$ısph°≈° ky fs L$f° R>°. A°QA°kbuku rdgL$s_yÑ d|ÎepÑL$_ |ZÆ L$f° R>°, A°V$g° L°$, d|ÎepÑL$_ A_° L$p_|_u d|ÎepÑL$_.

5. N∞plL$ bpL$u ‚p°k°tkN au_p Q°L$ kp\° A°QA°kbuku_u _urs A_ykpf gp°__u ApMfu rhr dpV°$ v$ısph°≈° ky fs L$f° R>°°

6. A°QA°kbuku_u _urs A_ykpf gp°_ ‚p°k°k \pe R>°.

7. ≈° gp°_ dÑS|>f \pe sp° N∞plL$ gp°__p rhsfZ dpV°$ A°QA°kbuku ‹pfp r_pÆqfs gp°_ L$fpf A_° Afie gp°_ v$ısph°≈° ky fs L$f° R>°.

8. N∞plL$ ‹pfp gp°_ L$fpf A_° Afie AphÌeL$ v$ısph°≈° ky fs L$epÆ R>u gp°_ rhsfZ L$fpe R>°.

9. gp°_ ° Ap°XÆ$f s•epf L$fpe R>°.

10. A°QA°kbuku N∞plL$_° h°ÎL$d °L$ dp°L$g° R>°.

sdpfu gp°_ rbÎX$f ‹pfp ky fs L$fpe°gp kde”L$ A_° A°QA°kbuku ‹pfp ApL$g_ L$epÆ dyS>b bpÑ L$pd_u ‚Nrs A_ykpf kÑ |ZÆ L°$ l‡spdpÑ rhsfZ L$fpi°. Adpfu dpNÆv$riÆL$p A_ykpf gp°__yÑ rhsfZ L$p_|_u A_° d|ÎepÑL$_ Al°hpgp°_u dÑS|>fu_° Apu_ fl°i°. L©$ ep _p¢ u gp° L°$ sdpfu gp°__yÑ rhsfZ lp¢NL$p¢N A°fiX$ ipÑOpC b°qfiLÑ$N L$p° p£f°i_ rgrdV°$X$, C[fiX$ep_u A°L$d°h df∆ f fl°i°. Dºs kdef°Mp kpÑL°$rsL$ R>° A_° s°_° lp¢Qu hmhp dpV°$ Ad° Ó°õ $ ‚epk L$fuiyÑ.1L$p_|_u V$_Æ AfpDfiX$ V$pCd (V$uA°V$u) ""fpƒe'' dyS>b fl°i°.

4-5 L$pdL$pS>_p qv$hkp°, kÑ |ZÆ v$ısph°≈° ky fs L$epÆ R>u.

13 L$pdL$pS>_p qv$hkp°, kÑ |ZÆ rdgL$s_p v$ısph°≈°_u _L$gp° ky fs L$epÆ R>u.

2 L$pdL$pS>_p rv$hkp°, kÑ |ZÆ v$ısph°≈° ky fs L$epÆ R>u.

1 L$pdL$pS>_p° rv$hk, ep°¡e ıV°$Á‡X$ A_° |Z° L$f°gp° gp°_ L$fpf ky fs L$epÆ R>u.

1 L$pdL$pS>_p° qv$hk, gp°_ rhsfZ L$epÆ R>u.

7 L$pdL$pS>_p qv$hkp°, gp°_ rhsfZ L$epÆ R>u.

J•h H$O© AmdoXZ ‡mogog ‚bmo AZw.H$.

MaU XZm| H$s gߪm

gßnyU© ‡boIm| Ho$ O_m H$E OmZo Ho$ ~mX 4-5 H$m© Xdg

4. nà H$s agrX ‡m· hmoZo na, O°gm r bmJy hmo, JmhH$ gßnŒm ‡boI ‡ÒVwV H$aVm h°.

EMEg~rgr gßnŒm H$m _yÎ ZYm©aU mZr _yÎmßH$Z Am°a H$mZyZr _yÎmßH$Z nyam H$aVr h°.

1gßnŒm Ho$ nyao XÒVmdoOm| H$s ‡V _bZo Ho$ ~mX 3 H$m_H$mOr XZ

5. EMEg~rgr H$s nm∞bgr Ho$ AZwgma JmhH$ G$U H$mo AßV_ Í$n XoZo Ho$ bE eof ame Ho ‡gßÒH$aU ewÎH$ Ho MoH$ Ho$ gmW ‡boI ‡ÒVwV H$aVm h°.

6. EMEg~rgr H$s nm∞bgr Ho$ AmYma na G$U ‡H$m ewÍ$ H$s OmVr h°. gßnyU© ‡boIm| Ho$ O_m H$E OmZo Ho$ ~mX 2 H$m© Xdg

7. X G$U ÒdrH•$V H$m OmVm h°, Vmo JmhH$ G$U AZw~ßY Am°a gßdVaU Ho$ bE EMEg~rgr ¤mam deof Í$n goZX©ÓQ> A› ‡boI ‡ÒVwV H$aVm h°.

8. JmhH$ ¤mam G$U AZ~w Yß Ama° A› AmdÌH$ ‡bIo O_m H$E OmZ o H$o ~mX G$U H$m gßdVaU H$m OmVm h.°

dYdV _moha bJmE Am°a nyU© H$E JE G$U AZw~ßY Ho$ O_m H$E OmZo Ho$~mX 1 H$m© Xdg

9. no Am∞S>©a ~Zmm OmVm h° G$U gßdVaU Ho$ ~mX 1 H$m© Xdg

10. EMEg~rgr JmhH$ H$mo ÒdmJV n°H$ oOVr h° G$U gßdVaU Ho$ ~mX 7 H$m© Xdg

1d°YmZH$ Q>Z© AamCßS> Q>mB_ (Q>rEQ>r) ""am¡'' deof na Z©a H$aVm h°

1. JmhH$ EMEg~rgr Ho$ gmW H$O© AmdÌ∫$m Ho$ ~mao _| MMm© H$aVm h°.

2. JmhH$, EMEg~rgr H$s nm∞ bgr H$o AZgw ma Jh• G$U AmdXo Z ‡nÃ, È. 5000 H$o ‡gÒß H$aU eÎw H$ d CgH$o gmW gdo m H$a H$m MHo $ Ed ß AmdÌH$ ‡bIo Z ‡ÒVVw H$aVm h.°

3. EMEg~rgr AmdoXZ H$mo ‡gßÒH•$V H$aVr h° Am°a nyd©-AZw_moXZ/B›H$ma H$m ZU©

gyMV H$aVr h°. JmhH$ H$mo Bg ZU© H$s gyMZm XoZo dmbm nà oOm OmVm h°.

~ÎS>a ¤mam ‡ÒVwV H$m©H$_ Am°a EMEg~rgr ¤mam AmH$bV Z_m©U H$s ‡JV Ho$ AZwgma AmnH m G$U nyam m H$ÌVm| _| dV[aV H$m OmEJm. h_mao Xem-ZXem| Ho$ AZwgma, G$U H$m dVaU H$mZyZr Am°a _yÎmßH$Z [anmoQ>© H$s _ßOyar Ho$ AYrZ hmoJm. H•$nm ‹mZ X| H$ AmnH$m G$U gßdVaU nyar Vah "X hmßJH$mßJ EßS> eßKmB© ~¢qH$J H$m∞nmaoeZ b_Q>oS>, BßS>m' Ho$ AnZo ddoH$ na H$m OmEJm. Cnamo∫$ g_ gr_mE± gmßHo$VH$ h¢ Am°a h_ EH$ gdmŒm_ ‡mg Ho$ AmYma na C›h| nyam H$aZo H$m ‡mg H$a|Jo.

2Home LoanTo fulfil your dream of purchasing your own home.

Features of Home Loan• 3 3Loans ranging from `3 lakh to `10 crore

• Loans are offered to Resident Indians and Non-Resident Indians (NRI) for ready properties, select under construction properties approved by HSBC, purchase of plot of land, self-construction and home improvement. NRI applicants must have a local co-applicant or a local contact person

For more details on Home Loan, visit www.hsbc.co.in

• Loan tenures offered upto 20 years and for salaried applicants upto 25 years

2J•h H$O©AnZm IwX H$m Ka IarXZo Ho$ AmnHo$ gnZo H$mo nyam H$aZo Ho$ bE

3 3∑3 bmI go 10 H$amoãS> H$s gr_m _| G$U.∑‡ÒVmdV G$U AdY 20 dfm] VH$ Am°a doVZmoJr AmdoXH$m| Ho$ bE 25 dfm] VH$.∑EMEg~rgr ¤mam AZw_moXV V° ma gßnŒmm|, MwqZXm Z_m©UmYrZ gßnŒmm|, O_rZ Ho$ H$gr yIßS>

Ho$ H$, Òdß ¤mam Z_m©U Am°a Ka Ho$ gwYma Ho$ bE Amdmgr maVr Am°a A‡dmgr maVr (EZAmaAmB©) H$mo G$U XoZo H$s noeH$e H$s OmVr h°. EZAmaAmB© AmdoXH$m| Ho$ nmg H$moB© ÒWmZr gh AmdoXH$ m H$moB© ÒWmZr gßnH©$ gyà hmoZm MmhE.

J•h H$O© na AYH$ OmZH$mar Ho$ bE www.hsbc.co.in na dµOQ> H$a|.

J•h G$U H$s deofVmE±

` `

2lp°d gp°_

lp°d gp°__u rhriÙ$spAp°

sdpfyÑ p°sp_yÑ Of Mfuv$u L$fhp_yÑ sdpfyÑ k_yÑ kpL$pf L$fhp dpV$°.

3 3∑gp°_ ` 3 gpM\u ` 10 L$fp°X$ ky u_u Ó°ZudpÑ.∑gp°_ 20 hjÆ ky u_u dyv$s dpV°$ dmi° A_° _p°L$qfeps AfS>v$pf dpV°$ 25 hjÆ

ky u_u dyv$s fl°i°.∑s•epf rdgL$sp°, A°QA°kbuku ‹pfp dÑS|>f Qy_Ñv$u bpÑ L$pd l°W$m_u rdgL$sp°,

S>du__p ‡gp°V$_u Mfuv$u, ≈s° bpÑ L$pd A_° Of y_fyŸpf dpV°$ r_hpku cpfsue A_° rb_- r_hpku cpfsuep° (A°_ApfApC)_° gp°_ Ap°af L$fpe R>°. A°_ApfApC AfS>v$pfp°_u pk° ı\pr_L$ kl-AfS>v$pf L°$ ı\pr_L$ kÑ LÆ$ Ïe[ºs lp°hyÑ S>Í$fu R>°.

lp°d gp°_ f hy rhNsp° dpV°$ dygpL$ps gp°: www.hsbc.co.in

2Smart HomeA Home Loan that enables you to save on interest payments and thereby reduce tenure of your loan.

Features of Smart Home3 3• Loans ranging from `5 lakh to `10 crore

• Your Smart Home is operated through a Smart Home account that acts as a current account with an overdraft limit equal to the amount of the loan disbursed Your Smart Home account would be your loan account

For more details on Smart Home, visit www.hsbc.co.in

• Loan tenures offered upto 20 years and for salaried applicants upto 25 years

2Ò_mQ>© hmo_EH$ J•h G$U Omo AmnH$mo „mO wJVmZ na ~MV H$aZo _| gj_ ~ZmVm h° Am°a Bg Vah AmnHo$ G$U H$s AdY H$mo H$_ H$aVm h°.

3 3∑ 5 bmI go `10 H$amoS> Ho$ ~rM H$O© ∑‡ÒVmdV G$U AdY 20 dfm] VH$ Am°a doVZmoJr AmdoXH$m| Ho$ bE 25 dfm] VH$.∑AmnH$m Ò_mQ>© hmo_ EH$ Ò_mQ>© hmo_ EH$mCßQ> Ho$ ¤mam gßMmbV H$m OmVm h° Omo AmnHo$ H$O©

gßdVaU Ho$ ~am~a H$s ame Ho$ bE EH$ Mmby ImVo Ho$ Í$n _| H$m_ H$aVm h°.AmnH$m Ò_mQ>© hmo_ EH$mCßQ> AmnH$m bmoZ EH$mCßQ> hmoJm.

Ò_mQ>© hmo_ na AYH$ OmZH$mar Ho$ bE www.hsbc.co.in na dµOQ> H$a|.

Ò_mQ>© hmo_ H$s deofVmE±

2ıdpVÆ$ lp°d

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ıdpVÆ$ lp°d f hy rhNsp° dpV°$ dygpL$ps gp°: www.hsbc.co.in

2Loan Against Property (LAP)Raise funds against your residential property to take care of your business/personal needs.

Features of LAP3 3• Loans ranging from `3 lakh to `10 crore

• Loan tenures offered upto 15 years

For more details on LAP, visit www.hsbc.co.in

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A°gA° u rhi° hy rhNsp° dpV°$ dygpL$ps gp° : www.hsbc.co.in

2Smart Loan Against Property (SmartLAP)A loan against your residential property that enables you to save on interest payments and thereby reduce tenure of your loan.

Features of SmartLAP3 3• Loans ranging from `5 lakh to `10 crore

• Loan tenures offered upto 15 years

• Your SmartLAP is operated through a SmartLAP account that acts as a current account with an overdraft limit equal to the amount of the loan disbursed Your SmartLAP account would be your loan account

For more details on SmartLAP, visit www.hsbc.co.in

2Terms and conditions apply. All loans are at the sole discretion of The Hongkong and Shanghai Banking Corporation Limited, India (HSBC/the Bank). Loans available for applicants and properties in and around the city limits of Mumbai, New Delhi (NCR), Pune, Bengaluru, Chennai, Chandigarh, Ahmedabad, Hyderabad and Jaipur and are subject to change from time to time. For detailed terms and conditions, visit www.hsbc.co.in3The minimum and maximum loan amount depends on city of property and property type. For more details visit www.hsbc.co.inThe interest rate on your floating rate loan, post 1 July 2010, is linked to the Bank's Base Rate. Any revision in the Base Rate would impact your interest rate.

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MOST IMPORTANT TERMS AND CONDITIONS (MITC)

This MITC covers following loan products:

i. Home Loan (Home Loan)

ii. Smart Home (Smart Home)

iii. Loan Against Property (LAP)

iv. Smart Loan Against Property (SmartLAP)

1. Fees and charges

• The Home Loan account requires you to pay us fees for providing the services or maintaining the loan accounts as notified to you at the time of opening an account, requesting a service or effecting an instruction from time to time. A list of our fees and charges applicable on our Home Loan products are set out in the tariff section of this a pplication form, and are updated on our website (www.hsbc.co.in). They are also available upon request at any of our branches across India

• You are requested to note that the tariff structure is subject to change with prospective effect from time to time at our sole discretion, however we will n otify you a month in advance about any such change. However, please note that a month's notice would not be applicable to changes in interest rates and any charge levied as a result of regulatory requirements. Revised tariff would be displayed at our branches and on our website (www.hsbc.co.in)

• Please be advised that applicable indirect taxes and any other amount liable to tax under prevailing Indirect Tax Laws including Service Tax and Cess would be recovered on all our fees and charges

• You are required to note that the Late Payment Charge (LPC) will be applicable if the Equated Monthly Instalment (EMI) is not paid by the due date. The LPC also includes penal interest and charges for delayed instalments on account of cheque bounce or dishonoured Standing Instruction (SI)

• For additional information, you can visit any of our branches in India or call our PhoneBanking service

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Home Loan/Smart Home5

Processing Fee (PF) A total of 1% of the loan amount sanctioned or `10,000, whichever is higher, will be applicable as your PF plus service tax. The fee will be collected from you in two parts: `5,000 plus service tax is payable upfront along with the loan application and the balance PF plus service tax is payable before loan disbursal.Please note that the PF paid by you is non-refundable.

For delayed instalments on account of cheque bounce or dishonoured SI

`250 per instance

Penal interest on the delayed instalments on account of cheque bounce or dishonoured SI

Additional 2% over and above the existing interest rate on your loan account will be charged for the overdue amount.

Prepayment charges

For floating rate Home Loan

For Home Loan and Smart Home Loan NIL

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For fixed rate Home Loan

Upto 25% of the loan amount sanctioned in every financial year NIL

For amount more than 25% of the loan amount sanctioned

in every financial year

3% of prepayment amount

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v$f°L$ hMs°$ `250

Note:1) The interest rate on your floating rate loan, post 1 July 2010, is linked to the Bank's Base Rate. Any revision in the

Base Rate would also have an impact on your interest rate.2) For processing prepayment requests, you are required to send, a written instruction communicating your desire to prepay

and intent of reducing either of the loan tenure or EMI. In the absence of clear instruction, we would by default reduce the loan tenure. In case excess funds are received towards the loan account without any written instructions to prepay, for Smart Home Loans, the amount will be credited to the Smart Home account which will impact the available balance in the account. However for Home Loan, such excess amounts will be apportioned towards the principal amount of the loan.

5Fixed rate option is not available for Smart Home.6Prepayment is permitted after a minimum of 6 months from the date of loan disbursal. The prepayment charges are applicable only during the fixed rate tenure. If you switch your loan to floating rate, prepayment charges will not be applicable.

Switching charges

From Home Loan to Smart Home and vice versa 0.5% of the outstanding loan amount

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If the switch is done within one month prior to the loan 7anniversary every year

NIL

Any other time during the year 0.5% of the outstanding loan amount7Loan anniversary is the day and month on which the loan was disbursed. Example: If your loan was disbursed on 20 May 2012. Then every year 20 May will be the loan anniversary.

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|h£ L$fpe sp°i|fie

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Switching from ?xed rate to ?oating rate is allowed only after completion of ?xed term.

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~XbVo h¢, Vmo nwd© wJVmZ ‡ma bmJy Zht hm|Jo.

pÒdqMJ MmOgJ•h H$O© go Ò_mQ>© hmo_ m BgHo$ dnarV ~H$mm G$U ame H$m 0.5%

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df© Ho$ H$gr A› g_

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_p¢ :

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2)|hÆQyL$hZu rh_Ñsu_p ‚p°k°tkN dpV°$ N∞plL°$ A°QA°kbuku_° g°rMs k|Q_p dp°L$gu_° gp°_ dyv$s L°$ CA°dApC Ap°R>u L$fhp_p l°sy kp\° |hÆQyL$hZu_p l°sy_u ≈Z L$fhp_u fl°i°. ≈° gp°__u dyv$s L°$ CA°dApC OV$pX$hp_u L$p°C ıÙ$ k|Q_p _l] Ape sp° Ad° qX$ap°ÎV$ ‹pfp |hÆQyL$hZu_u ‚p‡s fL$d_° Appf° gp°__u dyv$s Ap°R>u L$fuiyÑ. ≈° ıdpVÆ$ lp°d dpV°$ |hÆQyL$hZu L$f_pf N∞plL$ pk°\u L$p°C Z g°rMs k|Q_pAp° _ dmhp f gp°__p Mpsp kpd° ‚p‡s hy cÑX$p°m / fL$d_p qL$ıkpdpÑ s° fL$d ıdpVÆ$ lp°d MpspdpÑ S>dp L$fpi° A_° MpspdpÑ Dg bpL$u_° s° ‚cprhs L$fi°. ≈°L°$ lp°d gp°_ dpV°$ Aphu hpfp_u fL$d gp°__u d|m fL$d kpd° apmhZu L$fpi°.

5qaºıX$ f°V$ rhL$Î ıdpVÆ$ lp°d dpV°$ _l] dm°.6|hÆQyL$hZu A° gp°_ rhsfZ_u spfuM\u Ap°R>pdpÑ Ap°R>p 6 drl_p R>u dÑS|>f L$fpi°. |hÆQyL$hZu v$fp° Df DÎg°M L$epÆ dyS>b gp°__u qaºıX$ f°V$_u dyv$s v$frdep_ gpNy \i°. ≈° sd° sdpfu gp°_ „gp°qVÑ$N v$fdpÑ [ıhQ L$fu lp°e sp° |hÆQyL$hZu v$fp° gpNy _l] \pe.

qaºıX$ f°V$\u „gp°qVÑ$N f°V$dpÑ [ıhQ L$fhyÑ (≈° qaºıX$ f°V$ Ap°af L$fpsp° lp°e sp° gpNy)raºıX$ v$f\u „gp°qVÑ$N v$fdpÑ [ıhQ L$fhyÑ s° qaºıX$ dyv$s |ZÆ \ep R>u S> dÑS|>f L$fpi°.LAP/SmartLAP

Processing Fee (PF) A total of 1% of the loan amount sanctioned or `10,000, whichever is higher, will be applicable as your PF plus service tax. The fee will be collected from you in two parts: `5,000 plus service tax is payable upfront along with the loan application and the balance PF plus service tax is payable before loan disbursal. Please note that the PF paid by you is non-refundable.

For delayed instalment on account of cheque bounce or dishonoured SI

`250 per instance

Penal interest on the delayed instalments on account of cheque bounce or dishonoured SI

Additional 2% over and above the existing interest rate on your loan account will be charged for the overdue amount.

Annual fee (only applicable for SmartLAP) 8 71% of limit outstanding , payable on each loan anniversary till theloan is completely repaid.

A°gA° u/ ıdpVÆ$ A°gA° u‚p°k°tkN au

Q°L$ bpDfik \pe L°$ A°kApC_yÑ pg_ _l] \pe sp° rhgÑrbs l‡sp dpV°$.

v$f°L$ hMs° `250

Prepayment charges (LAP) (Applicable if Fixed Rate is offered)

Upto 25% of the outstanding loan amount once in every financial year

NIL

For amount in excess of 25% of the outstanding loanamount or more than one prepayment

4% of prepayment amount

EbEnr/Ò_mQ>© EbEnr

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Ho$ bE bmJy hmoJm. Amngo ewÎH$ Xmo hÒgm| _| bm OmEJm : 5000 Am°a godm H$a AJ_ Í$n go

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`

MoH$ AÒdrH•$V hmoZo m AZmX[aV ÒWmr ZXem| (EgAmB©) Ho$ H$maU dbß~VH$ÒVm| Ho$ bE

` 250 ha Adga na

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AVXo ame Ho$ bE AmnHo$ G$U ImVo na _m°OyXm „mO Xa na Am°a CggoD$na AV[a∫$ 2% ‡ma bJmm OmEJm.

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‡rno_|Q> ewÎH$ (EbEnr)(ÒWmB© Xa ‡ÒVmdV hmoZo na bmJy)AmCQ>ÒQ>¢qS>J H$m 25% VH$, ha dŒmr df© _| EH$ ~ma

~H$mm G$U ame Ho$ 25% go AYH$ hmoZo m EH$ go AYH$ nyd© wJVmZ Ho$ bE

Hw$N> Zht

‡rnoS> ame H$m 4%

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L©$ ep ›ep_dpÑ fpMp° L°$ ‚p°k°tkN au Q|L$hpep R>u s° _p°_- qfaÑX°$bg R>°.

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hprjÆL$ au (aºs ıdpVÆ$A°gA° u dpV°$ gpNy)

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8kurds bpL$u _p 1% v$f gp°__u rsr\A° gp°_ kÑ |ZÆ Q|L$hpe _l] –epÑ ky u Q|L$hhpp” fl°i°

Prepayment charges

For floating rate LAP and Smart LAP

For LAP and Smart LAP NIL

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EbEnr Am°a Ò_mQ>© EbEnr Ho$ bE Hw$N> Zht

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A°gA° u A_° ıdpVÆ$ A°gA° u dpV°$ i|fie

Note:

1) The interest rate on your floating rate loan, post 1 July 2010, is linked to the Bank's Base Rate. Any revision in the Base Rate would also have an impact on your loan interest rate.

2) Prepayment is permitted after a minimum of 6 months following the loan disbursal. For processing prepayment requests, you are required to send, a written instruction communicating your desire to prepay and intent of wanting to reduce either of the loan tenure or EMI. In absence of a clear instruction, we will by default reduce the loan tenure. In case excess funds are received towards the loan account without any written instructions from the customer, for SmartLAP, the amount will be credited to the SmartLAP account which will impact the available balance in the account. However for LAP, such excess amounts will be apportioned towards the principal amount of the loan.

3) We do not offer fixed rate option for SmartLAP.

4) Switching is not permitted from LAP to SmartLAP and vice versa.7Loan anniversary is the day and month on which the loan was disbursed. Example: If your loan was disbursed on 20 May 2012. Then every year 20 May will be the loan anniversary.8Limit outstanding means the principal portion (limit defined on system) that is outstanding as on that day. This does not include any interest or principal portion of the ledger balance which is overdue. The limit is reduced on a monthly basis in line with the expected principal payment.

Request for copy of property documents held with the Bank `500

`300

`300

`300

`300

0.5% of the outstanding loan amount

Request for change of EMI date, rescheduling of loans (increase/decrease in EMI/tenure)

Request for daily interest calculation details

Request for duplicate amortisation schedule

Request for duplicate copy of welcome pack (amortisation schedule plus facility advice letter plus list of documents)

Re-pricing request for an active account

Q>flnUr:

1)

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3. Ò_mQ>© EbEnr Ho$ bE h_ ÒWmB© Xa H$m dH$În ‡ÒVmdV Zht H$aVo h¢.

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Service charges for all products

_p¢ :

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Z g°rMs k|Q_pAp° _ dmhp f ıdpVÆ$ A°gA° u gp°__p Mpsp kpd° ‚p‡s hy cÑX$p°m_p qL$ıkpdpÑ s° fL$d ıdpVÆ$ A°gA° u MpspdpÑ S>dp L$fpi° A_° MpspdpÑ Dg bpL$u_° s° ‚cprhs L$fi°. ≈°L°$ A°gA° u dpV°$ Aphu hpfp_u fL$d gp°__u d|m fL$d kpd° apmhZu L$fpi°.

3) Ad° ıdpVÆ$ A°gA° u dpV°$ qaºıX$ f°V$ rhºÎ Ap°af L$fsp _\u.

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|hÆQyL$hZu v$fp° (A°gA° u) (≈° qaºıX$ f°V$ Ap°af L$fpsp° lp°e sp° gpNy)v$f _pZpL$ue hjÆdpÑ A°L$ hpf bpL$u gp°__u fL$d_p 25 % ky u i|fie

bpL$u gp°__u fL$d L°$ |hÆQyL$hZu_p 25 % \u hy fL$d dpV°$ A°L$\u hy hpf dpV°$

|hÆQ|L$h°gu fL$d_p 4%

Request for change of Standing Instructions, change of repayment mode (cheque swap charges)

`500

Copy of track record `250 per statement

Copy of Credit Information Report (CIR) `50

`50

gr CÀnmXm| Ho$ bE godm ‡ma `500

`300

`300

`300

`300

`500

Legal/Other charges

Legal charges:

Expenses incurred on proceedings under SARFAESI Act/proceedings under Section 138of NI Act and/or other litigation on the account

As per actuals applicable to an overdue/ delinquent account

Other charges:

Other incidental charges and expenses will be levied to cover the costs, charges, expenses, lawyers' charges and/or cost incurred on the litigation/any legal matter in relation to your loan and all other cost that may have been incurred in connection with recovery of dues from delinquent accounts

As per actuals applicable to an overdue/delinquent account

L$p_|_u/ Afie v$fp°L$p_|_u v$fp°:

Afie v$fp°:

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g[H$ ImVo H$s [a-‡mB[OßJ Ho$ bE AZwamoY

IS>o ZXe _| n[adV©Z, nwZw©JVmZ _moS> _| n[adV©Z Ho$ bE AZwamoY(MoH$ Òd°n MmOg)Q¥>°H$ [aH$m∞S>© H$s ‡VHo$S>Q> B›\$m∞_eZ [anmoQ>© (grAmB©Ama) H$s ‡V

H$O© H$s ~H$mm ame H$m 0.5%

`250 ‡V ÒQ>oQ>_|Q>

H$mZyZr/A› ewÎH$H$mZyZr ewÎH$:

SARFAESI Eoä Q H$s H$m©dmhr>/EZAmB© Eoä Q> H$s Ymam 138 Ho$ AßVJ©V H$s JB© _wH$X_o~mOr Am°a/m Bg gß~ßY _| A› H$mZyZr _m_bm| _| H$s JB© H$m©dmhr

H$gr AmodaS>Áy/S>b›πo$›Q (~H$mm) ImVo _| bmJy AZwgma dmÒVdH$ IM©

A› ewÎH$:>

A› AmH$pÒ_H$ ewÎH$ Am°a Ï, AmnHo$ G$U Ho$gß~ßY _| bmJVm|, ewÎH$m|, Ïm|, dH$sbm| Ho$ ewÎH$ Am°a/m AmoJ/H$gr H$mZyZr _m_bo na IM© H$s JB© bmJV Am°a do gr A› bmJV Omo hmo gH$Vm h° Xmofr ImVm| go ~H$mm H$s dgybr Ho$ gß~ßY _| Ï H$s JB© hmo, H$mo g_mdÔ> H$aZo Ho$ bE bJmE OmEßJo

H$gr AmodaS>Áy/S>b›πo$›Q (~H$mm) ImVo _| bmJy AZwgma dmÒVdH$ IM©

sdpd ‚p°X$ºV$p° dpV°$ k°hp v$fp°b°fiL$ pk° rdgL$s_p v$ısph°≈°_u _L$g dpV°$ rh_Ñsu `500CA°dApC_u spfuM, gp°_ qfriX$Èyg L$fhu (CA°dApC / dyv$sdpÑ hpfp° / OV$pX$p°) `300dpÑ a°fapf dpV°$ rh_Ñsufp°S>_u ÏepS>_u NZsfu_u rhNsp° dpV°$ rh_Ñsu `300Xy$[‡gL°$V$ Adp°V$pÆCT°i_ riX$Èyg dpV°$ rh_Ñsu `300h°gL$d °L$_u Xy$[‡gL°$V$ _L$g dpV°$ rh_Ñsu (Adp°V$pÆCT°i_ riX$Èyg h—p kyrhp_u kgpl_p° ” `300h—° v$ısph°≈°_u epv$u)kqæ$e AL$pDfiV$ dpV°$ qf-‚pCtkN_u rh_Ñsu bpL$u gp°__u fL$d_p 0.5%ı\peu k|Q_p bv$gu L$fhp_u, y_:QyL$hZu dp›ed bv$gu L$fhp_u rh_Ñsu `500(Q°L$ ıh° v$fp°) V≤°$L$ f°L$p°XÆ$_u _L$g r_h°v$_ v$uW$ `250æ°$qX$V$ Cfiap°d£i_ qfp°VÆ$ (kuApCApf)_u _L$g `50

SARFAESI A°ºV$/ A°_ApC pfp_u L$gd 138 l°W$m L$peÆhplu A_° / Ap°hfX$Èy/ afS> Q|L$_pf Mpsp_° gpNyA\hp Mpsp f Afie rgqV$N°i_ l°W$m L$peÆhplu f L$fpe°gp° MQÆ hpısrhL$ A_ykpf

Afie OV$_p–dL$ v$fp° A_° MQÆ A° sdpfu gp°__p kÑbÑ dpÑ Af∆/ L$p°C Z L$p_|_u dpdgp f \e°gp° MQÆ, v$fp°, QyL$hœÑ, hL$ugp°_p v$fp° A_°/A\hp MQÆ hpısrhL$ A_ykpfA_° L$k|f L$f_pf MpspÑdpÑ\u g°ZpÑ hk|gu kp\° kÑbÑ dpÑ \_pf khÆ Afie MQÆAphfu g°hp dpV°$ gpNy L$fpi°.

Ap°hfX$Èy/ afS> Q|L$_pf Mpsp_° gpNy

Note: Please be advised that applicable Indirect Taxes including Service Tax/Cess and any other amount liable to tax under prevailing indirect tax laws would be recovered on all our fees and charges.Charges are applicable for relevant services, for the associated savings/current account. Please refer to the Tariff Schedule for such accounts displayed on www.hsbc.co.in for details.We reserve the right to vary charges or fees from time to time by giving you prior notice of not less than 30 days for any variation affecting fees and charges under our control or affecting your liabilities or obligations or for such reasonable period as we may specify in the case of other variations. We will immediately update, on our website, any changes to the tariff.If we have made any change without notice, we will notify the change within 30 days. If such change is to your disadvantage, you may within 60 days of the notice, close your account without having to pay any prepayment charge.We would not be bound by a month's notice for change in interest rates or any charge levied as a result of regulatory requirements.

2. Interest

• On a monthly basis, you would be required to repay the principal amount of the loan and interest on the loan at the rate as set out in the agreement

• Interest on your loan accrues on a daily basis and needs to be paid on due dates as set out in the agreement/facility advice letter

• If your EMI date falls on a Sunday/public holiday, your interest will be calculated inclusive of that day and debited on the next working day

• Floating rate loans are linked to our Base Rate (BR) which is subject to change at any point of time, at our sole discretion. Any revision in the Base Rate would also have an impact on your interest rate

• Your SmartLAP/Smart Home account can be used for other regular banking transactions. Excess funds over and above the EMI deposited by you into the account will result in savings on interest as the account will compute interest only on the net debit/ledger balance on a daily basis. This interest offset enables you to reduce the interest paid and thereby resulting in a reduced tenure of the loan

Q>flnUr: H•$nm ‹mZ X| H godm H$a/CnH$a Am°a ‡MbV A‡Àj H$a H$mZyZm| Ho$ AßVJ©V H$a moΩ H$moB© A› ame ghV bmJy A‡Àj H$a h_mao gr ewÎH$m| Am°a ‡mam| na dgyb H$m OmEJm. ‡mgßJH$ godmAm| Ho$ bE, gß~’ ~MV/Mmby ImVo Ho$ bE ewÎH$ bmJy h°. H•$nm Bg ‡H$ma Ho$ ImVm| Ho$ bE Q>°[a\$ AZwgyMr H$mo OmZH$mar Ho$ bE www.hsbc.co.in na XoI|.

h_mao ZßÃU _| ewÎH$ Am°a ‡ma H$mo ‡mdV H$aZo dmbo m AmnHo$ XmÀdm| m ~m‹VmAm| H$mo ‡mdV H$aZo dmbo H$gr r ~Xbmd Ho$ bE AmnH$mo H$_ go H$_ 30 XZm| H$s m Eogr CMV AdY Ho$ bE O°gm h_ A› ~Xbmdm| H$s pÒWV _| ZX©Ô> H$a gH$Vo h¢, nyd© gyMZm XoH$a g_-g_ na ewÎH$ Am°a ‡mam| _| ~Xbmd H$m AYH$ma h_mao nmg gwajV h°. Q>°[a\$ _| H$moB© r n[adV©Z h_ VwaßV h_mar do~gmBQ> na A⁄VZ H$a|Jo.

X h_Zo ~Zm H$gr gyMZm Ho$ H$moB© n[adV©Z H$m h°, Vmo h_ 30 XZm| Ho$ rVa n[adV©Z Ho ~mao _| gyMV H$a|Jo. X Eogm n[adV©Z AmnHo$ bE hmZH$maH$ hmo, Vmo Amn gyMZm Ho$ 60 XZm| Ho$ rVa, ~Zm H$moB© nyd© wJVmZ ewÎH$ H$m wJVmZ H$E AnZm ImVm ~ßX H$a gH$Vo h¢.

h_| „mO Xam| _| m Zm_H$ AmdÌH$VmAm| Ho$ n[aUm_ÒdÍ$n bJmE JE H$gr ‡ma _| ~Xbmd Ho$ bE EH$ _mh H$s gyMZm ¤mam ~m‹ Zht H$m OmEJm.

2.„mO

∑EH$ _mgH AmYma na, AmnH$mo G$U H$s _yb ame Am°a G$U na „mO, AZw~ßY _| ZpÌMV H$s JB© Xa na nwZ: bm°Q>mZo H$s AmdÌH$Vm hmoJr.

AmnHo$ G$U na „mO X°ZH$ AmYma na AO©V hmoVm h° Am°a BgHo$ ZV VW na wJVmZ H$E OmZo H$s AmdÌH$Vm hmoVr h° Omo H$ AZw~ßY/gwdYm nam_e© nà _| ZYm©[aV H$m Jm h°.

X AmnH$s B©E_AmB© H$s VW H$gr addma/gmd©OZH$ AdH$me na AmVr h°, Vmo AmnHo „mO H$s Cg XZ H$mo _bmH$a JUZm H$s OmEJr Am°a Cgo AJbo H$m© Xdg na Amh[aV H$a bm OmEJm.

AÒWmB© Xa G$U h_mar AYma Xa (~rAma) go OwãS>o h¢ Omo H$ h_mao ddoH$ na H$gr r g_ n[adV©Z Ho$ AYrZ h°. AmYma Xa _| H$gr gßemoYZ H$m r AmnH$s „mO Xa na ‡md nãS>Vm h°.

AmnHo$ Ò_mQ>© EbEnr/Ò_mQ>© hmo_ ImVo H$m CnmoJ A› Z_V ~¢qH$J boZXoZ Ho$ bE H$m Om gH$Vm h°. AmnHo$ ¤mam ImVo _| O_m B©E_AmB© na m CgHo$ D$na AV[a∫$ ame H$m n[aUm_ „mO na ~MV Ho$ Í$n _| hmoJm ä m|H$ ImVo _| „mO H$s JUZm X°ZH$ AmYma na gµ\©$ Hw$b S>o~Q>/boOa ~°b|g na H$s OmEJr. „mO H$m g_mmoOZ AmnH$mo wJVmZ H$E JE „mO H$mo H$_ H$aZo _| gj_ ~ZmVm h° Am°a Bg Vah BgH$m n[aUm_ G$U H$s H$_ AdY Ho$ Í$n _| hmoVm h°.

∑

∑

∑

∑

_p¢ :L©$ ep ›ep_dpÑ fpMip° L°$ k°hp L$f/ k°k krls gpNy C_X$pef°ºV$ V°$ºkuk A_° ‚hsÆdp_ L$f L$pev$pAp° l°W$m L$f_° D—fv$peu L$p°C Z Afie fL$d Adpfu khÆ au A_° v$fp°dpÑ\u hk|g L$fpi°.v$fp° kÑL$mpe°gpÑ k°th¡k/ L$ffiV$ Mpsp dpV°$ kykÑNs k°hpAp° dpV°$ gpNy R>°. L©$ ep AphpÑ MpspÑ dpV°$ V°$qfa riX$Èyg_u rhNsp° www.hsbc.co.in

Ad° Adpfp r_eÑ”Z l°W$m L$p°C Z h°qfe°i_ Akf L$fsp A\hp sdpfu gpe°rbrgV$uAp° A\hp S>hpbv$pfuAp°_° Akf L$fsp A\hp Afie h°qfe°ifik_p qL$ıkpdpÑ Ad° Qp°MhV$ L$fu lp°e s° dyS>b Aphp Ïehlpfy kdeNpmp dpV°$ L$p°C Z h°qfe°i_ ‚cprhs L$fsu au A_° v$fp° dpV°$ 30 qv$hk\u Ap°R>u _l] s° fus° sd_° |hÆk|Q_p Apu_° kdepÑsf° v$fp° L°$ audpÑ a°fapf L$fhp_p° Abprs ArL$pf fphuA° R>uA°. ≈° V°$qfadpÑ L$p°C Z a°fapf lp°e sp° Ad° Adpfu h°bkpCV$

f sp–L$prgL$ s° AX°$V$ L$fuiyÑ.≈° Ad° |hÆk|Q_p rh_p L$p°C Z a°fapf L$ep£ lp°e sp° Ad° 30 qv$hkdpÑ a°fapf_u ≈Z L$fuiyÑ. ≈° Aphp° a°fapf sdpfp N°fgpcdpÑ lp°e sp° sd° 60 qv$hk_u AÑv$f A_° L$p°C Z k|Q_p rh_p L$p°C Z |hÆQyL$hZu v$fp° Q|L$Ïep rh_p sdpfyÑ MpsyÑ bÑ L$fphu iL$p° R>p°.≈°L°$ s°dpÑ r_ed_ AphÌeL$spAp°_° gu° apC_pfik v$fp° (ÏepS> v$fp°) A_° L$p°C Z gpNy v$fp° gpNy _l] \pe.

f ApL$riÆs L$f°g R>° s° Sy>Ap°.

2. ÏepS>

L$fpfdpÑ Ap‡ep dyS>b v$f° dprkL$ p°fZ° sd° gp°__u d|m fL$d A_° s°_u f ÏepS>_u y_:QyL$hZu L$fhyÑ AphÌeL$ R>°.∑

Changes in the rate of interestYour floating interest rate loan is linked to our Base Rate (BR). Any change in the BR would also have an impact on your rate of interest of your loan.

Date of EMI paymentYour EMI date would be either the 1st or the 15th of every month following the month of disbursal. For loans disbursed between

the 1st and the 15th, the EMI would fall on the 1st of the next month and for loans disbursed between the 15th and the 31st of the

month, the EMI would fall on the 15th of the next month.

3. Conditions for disbursement

• We may disburse the quantum of loan in lump sum or in instalments, at our own discretion depending on whether the property is under construction or complete in all respects or existing for a certain number of years as acceptable to our internal policies

• We would also be at liberty to disburse the loan amount directly to the builder/seller/society as the case may be and also as requested/specified/directed by you. We will not be responsible/liable in any manner whatsoever for any delay from your side in providing such request/specification/direction. You will not claim any costs, charges and expenses in relation to any non-disbursal by us, due to any such delay from your side. If you authorise us to handover the disbursement proceeds to the aforesaid persons directly, then after such disbursement as per your instructions, we will be discharged from our liability to make the disbursement

• We would be free to stop disbursements of further instalments, on happening of any of the events which will affect the security created in any way, i.e. due to stoppage of construction, delay in construction, litigation, acquisition, requisition, reduction in the value of the security offered, on happening of any events as stipulated in the loan agreement under the heading 'Events of default' or for any other reason as deemed fit by the Bank

• Disbursements under the loan shall be made subject to fulfilment and compliance with the terms and conditions of the agreement for loan and furnishing of all other standard documents and writings executed by you and as specified by the Bank, including the following:

a. No event of default has occurred or is subsisting.

b.

c.

d.

e.

f.

You furnishing an evidence that the disbursement requested by yourselves is required for the purpose for which the loan was initially approved.

You furnishing such documents, evidences and writings as may be required in connection with the requested disbursement.

No circumstances shall have occurred which in our opinion, may make it impossible for you to fulfil the obligations under documents executed or under the terms and conditions of the agreement for loan or other standard documents executed by you for availing of the loan.

You delivering the evidence to our satisfaction that all consents, approvals and permissions required to avail of the loan and to comply with all documentation related to availing of the loan including creation of security, is completed.

You need to insure the property with an insurance company, against loss by fire, earthquake, floods and other damages, with The Hongkong and Shanghai Banking Corporation Limited, India, as the beneficiary. You are required to furnish copy of the insurance policy with respect to the property(ies) endorsed in favour of HSBC as the financier/mortgagee.

• The disbursement shall be deemed to have been made to you on the date of the cheque or the payment advice, as the case may be, under which such disbursement shall have been made irrespective of the date on which the disbursement

„mO H$s Xa _| n[adV©Z

AmnH$m AÒWmB© „mO Xa G$U h_mar AmYma (~rAma) Xa go OwãS>m hAm h°. ~rAma _| H$moB© r n[adV©Z AmnHo$ G$U na AmnHo$ „mO H$s Xa H$mo ‡mdV H$aoJm.

B©E_AmB© Ho$ wJVmZ H$s VW

AmnHo$ B©E_AmB© H$s VW gßdVaU Ho$ _mh Ho$ ~mX ha _mh H$s m Vmo nhbr m 15dt VW hmoJr. nhbr Am°a 15 drß VW Ho$ ~rM dV[aV G$U Ho$ bE, B©E_AmB© AJbo _mh H$s nhbr VW na Xo hmoJr Am°a _mh H$s 15dt go 31dt VW Ho$ _‹ dV[aV G U Ho$ bE, B©E_AmB© AJbo _mh H$s 15dt VW na Xo hmoJr.

ÏepS> fp°S>_p p°fZ° DprS>Æs \pe R>° A_° L$fpf / kyrhp kgpl ”dpÑ Ap‡ep dyS>b _ºL$u L$f°g spfuM° Q|L$hhyÑ S>Í$fu R>°.

≈° sdpfu CA°dApC_u spfuM frhhpf / ≈l°f f≈_p fp°S> Aphsu lp°e sp° sdpfp ÏepS_u> s° rv$hk_p° kdph°i L$fu_° NZsfu L$fpi° A_° ApNpdu L$pdL$pS>_p qv$hk° L$pu g°hpi°.

„gp°qVÑ$N v$f_u gp°_ Adpfp b°T f°V$ (buApf) kp\° tgºX$ lp°e R>°, S>° Adpfu A°L$d°h df∆A° L$p°C Z kde° a°fapf_° Apu_ R>°. b°T f°V$dpÑ L$p°C Z ky pfp° sdpfp ÏepS> v$f_° ‚cprhs L$fi°.

ıdpVÆ$ A°gA° u / ıdpVÆ$ lp°d AL$pDfiV$ Afie_p° Dep°N r_erds b°[fiLÑ$N g°Zv°$Z dpV°$ L$fu iL$pe R>°. sdppp ‹pfp MpspdpÑ S>dp L$f°gu CA°dApC DfpÑs_yÑ hpfp_yÑ cÑX$p°m ÏepS> f bQsdpÑ qfZdi°, L$pfZ L°$ ÏepS>_u NZsfu fp°S>_p p°fZ° Qp°øMu X°$rbV$ / g°S>f b°g°fik f S> L$fpe R>°. Ap ÏepS> Ap°aak°V$_° gu° N∞plL°$ Q|L$hhp_yÑ ÏepS> Ap°Ry>Ñ \i° A_° s°_° gu° gp°__u dyv$s OV$i°.

∑sdpfu gp°_ f ∑

∑

∑sdpfp

ÏepS> v$fdpÑ a°fapf

N∞plL$p°_u „gp°qVÑ$N v$f_u gp°_ A°QA°kbuku_p b°T f°V$ (buApf) kp\° tgºX$ R>°. buApfdpÑ L$p°C Z a°fapf N∞plL$_u gp°__p ÏepS>_p v$f_° ‚cprhs L$f° R>°.

CA°dApC QyL$hZu_u spfuM

N∞plL$_u CA°dApC spfuMp° rhsfZ_p drl_p_° A_ykfspÑ v$f drl_° 1gu A\hp 15du fl°i°. 1gu A_° 15du h√Q° gp°_ rhsfZ dpV°$ CA°dApC ApNpdu drl_p_u 1guA° Aphi° A_° 15du s\p 31du h√Q° gp°__p rhsfZ dpV°$ CA°dApC ApNpdu drl_p_u 15duA° cfhp_p° Aphi°.

may have been received by you. Therefore, the interest on the loan shall accrue in favour of HSBC, from the date of the cheque/payment advice/pay order/transfer by us, as the case may be, irrespective of the time taken by you for the transit/collection/realisation of the same

• In cases of under construction properties, we shall have the discretion to disburse the loan without any conditions, however, we may exercise our discretion to disburse in certain circumstances, only after the construction/improvement of such property has commenced and you producing documentary proof to us. We shall make disbursements in stages as per the progress of work, in terms of our internal norms and guidelines. You shall not hold us responsible for any delay in the construction/giving possession of/completion of the property by the developer/builder/society to yourselves or for quality, condition, fitness of the property even if we may have approved/sanctioned any facilities to such developer/promoter/builder/ development authority or given you any information about such promoter/property/builder/development authority. You shall have to abide by all its obligations as required in case of availing of loan for an under construction property.

3.gßdVaU Ho$ bE eV]

∑

A.wJVmZ Z H$aZo H$s KQ>Zm Z Vmo nyd© _| hB© hmo, Z hr Mb ahr hmo.

~.

g.AmdoXV gß[dVaU H$o gß~ßY _| JmhH$ ¤mam g_wMV XÒVmdoO, ‡_mU Am°a bIm-nT>r d A› ‡_mU H$m ‡ÒVwVH$aU, Omo Bg gß~ßY _| AmdÌH$ hm|Jo.

X.Eogm H$moB© r _m_bm Z hAm hmo Omo EMEg~rgr H$s ZOa _| H$O© boZo Ho$ bE H$O© Ho$ AZw~ßY Ho$ VhV d XE JE A› _mZH$ XÒVmdoOm| Ho$ H$maU JmhH$ Ho$ bE AnZr OÂ_oXmar ZmZo H$mo Agß d H$aVo hm|

H$.

I.

∑

h_ AnZo Òdß Ho$ ddoH$ na G$U H$s _mÃm EH$_wÌV m H$ÒVm| _| dV[aV H$a gH$Vo h¢, h Bg ~mV na Z©a H$aVm h° H$ gßnŒm gr _m_bm| _| Z_m©UmYrZ h° m nyar hmo JB© h° m ZpÌMV dfm] Ho$ bE d⁄_mZ h° O°gm r h_mar AmßV[aH$ nm∞bgm| Ho$ bE ÒdrH$m© hmo.

h_ Z_m©Vm/dHo$Vm/g_mO H$mo, O°gr r pÒWV hmo, Am°a O°gm r AmnHo$ ¤mam AZwamoY/ZX©Ô>/ZXeV H$m Jm hmo, G$U ame grYo hr dV[aV H$aZo Ho$ bE ÒdVßà hm|Jo. h_ AmnH$s Va\$ go Eogm AZwamoY/dZXeZ/ZXeZ ‡XmZ H$aZo _| H$gr r Vah Ho$ dbß~ Ho$ bE µOÂ_oXma/CŒmaXmr Zht hm|Jo. AmnH$s Va\$ go H$E JE Eogo dbß~ Ho$ H$maU, h_mao ¤mam H$moB© dVaU Z hmoZo Ho$ gß~ßY _| H$gr bmJV, ewÎH$ Am°a Ïm| H$m Amn Xmdm Zht H$a|Jo. X Amn h_| gßdVaU Am H$mo C∫$ Ï∫$m| H$mo grYo gm¢nZo Ho bE AYH•$V H$aVo h¢, V~ AmnHo$ ZXemZwgma Bg ‡H$ma Ho$ gßdVaU Ho$ ~mX, h_ gßdVaU H$aZo Ho$ h_mao XmÀd go _w∫$ hmo OmEßJo.

H$gr r Eogr KQ>Zm Ho$ KQ>V hmoZo na,Omo ~ZmB© JB© gwajm H$mo H$gr r Vah ‡mdV H$aoJr, O°go Z_m©U _| ÈH$mdQ>, Z_m©U _oß Xoar, _wH$X_o~mOr, AYJhU, ‡mW©Zm, ‡ÒVmdV gwajm Ho$ _yÎ _| H$_r, m H$gr Eogr KQ>Zm Ho$KQ>V hmoZo na O°gm H$ G$U AZw~ßY _| ""S µ\$mÎQ> H$s KQ>ZmE±'' erf©H$ go ZV H$m Jm h°, m H$gr A› H$maU Ho O°gm H$ ~¢H$ ¤mam CMV g_Pm OmE, h_ AmJo H$s H$ÒVm| Ho$ gßdVaU H$mo amoH$Zo Ho$ bE ÒdVßà hm|Jo.

G$U Ho$ VhV gßdVaU, G$U Ho$ AZw~ßY Ho$ Z_m| Am°a eVm] H$s nyV© Am°a AZwnmbZ Ho$ AYrZ Am°a gr A› _mZH$ ‡boIm| Am°a AmnHo$ ¤mam gßnmXV boIZ Ho ‡ÒVwV H$aZo na d O°gm H$ ~¢H$ ¤mam ZX©Ô> hmo, H$m OmEJm. OZ_| ZÂZmßH$V ~mVoß em_b hm|Jr :

Amn EH$ gm ‡ÒVwV H$aVo h¢ H$ AmnHo$ Òdß Ho$ ¤mam _m±Jm Jm gßdVaU Cgr C‘oÌ Ho$ bE AmdÌH$ h° OgHo$ bE ‡maß _| G$U ÒdrH•$V H$m Jm Wm.

Amn h_mar gßVwÔ> Ho$ bE gm Xo aho h¢ H$ G$U ‡m· H$aZo Ho$ bE Am°a gwajm Z_m©U ghV G$U ‡m· go gß~ßYV gr ‡boIZ Ho$ AZwnmbZ Ho$ bE gr gh_Vm±, AZw_moXZ Am°a AZw_Vm± ‡m· H$a br JB© h°ß.

AmnH$mo gßnŒm H$mo AmJ, yHß$n, ~mãT> Am°a A› jVm| Ho$ bE H$gr ~r_m H$ÂnZr go ~r_V H$amE OmZo H$s µOÍ$aV h° Ohm± "X hmßJH$mßJ EßS> eßKmB© ~¢qH$J H$m∞nmaoeZ b_Q>oS>, BßS>m' bmmWu Ho$ Í$n _| h°. AmnH$mo \$mZ|ga/aohZXma Ho$ Í$n _| EMEg~rgr Ho$ nj _| g_W©V gßnŒm(m|) Ho$ gßX© _| ~r_m nm∞bgr H$s ‡V ‡ÒVwV H$aZo H$s µOÍ$aV h°.

gßdVaU AmnH$mo MoH$ m no_|Q> ES≤>dmBg, Omo r pÒWV hmo, Cg VW H$mo H$a Xm Jm g_Pm OmEJm, OgHo$ VhV Eogm dVaU Cg VW na ‹mZ XE ~J°a H$m OmEJm Og na AmnHo ¤mam dVaU ‡m· H$m Jm hmoJm. BgbE, h_mao ¤mam MoH$/no_|Q> EoS≤>dmBg/wJVmZ AmXoe/ÒWmZmßVaU,Omo r pÒWV hmo, CgH$s VW go G$U na „mO EMEg~rgr Ho$ nj _| ‡m· hmoJm, Bg na ‹mZ XE ~J°a H$ AmnHo$ ¤mam BgHo$ n[aJ_Z/gßJhU/wZmZo Ho$ bE, H$VZm g_ bm Jm.

Z_m©UmYrZ gßnŒmm| H$s pÒWVm| _|, H$gr r eV© Ho$ ~Zm G$U dVaU H$m ddoH$ h_mam hmoJm. hmbm±H$, ZpÌMV n[apÒWVm| _| dVaU Ho$ bE, Eogr gßnŒm OgH$m Z_m©U/gwYma ewÍ$ hmo MwH$m hmo Am°a Amn h_| BgH$m ‡boIr gm Xoß, gµ\©$ CgHo$ ~mX h_ h_mao ddoH$mYH$ma H$m ‡moJ H$a gH$Vo h¢. h_ gßdVaU h_mao AmßV[aH$ _mZXßS>m| Am°a Xem ZXem| Ho$ gßX© _| H$m© H$s ‡JV AZwgma MaUm| _| H$a|Jo. dH$mg H$aZo dmbo/g_W©H$/Z_m©Vm ¤mam AmnH$mo gßnŒm Ho$ Z_m©U/H$„Om XoZo/nyam H$aZo _| hB© Xoar Ho$ bE m gßnŒm H$s JwUdŒmm, pÒWV, AZwHy$bVm Ho$ bE Amn h_| µOÂ_oXma Zht R>hamEßJo, hm± VH$ H$ X h_Zo Eogo S>odbna/‡_moQ>a/~ÎS>a/dH$mg ‡mYH$aU Ho$ bE H$moB© gwdYm AZw_moXV/ÒdrH•$V H$s hmo

m h_Zo Eogo ‡_moQ>a/~ÎS>a/dH$mg ‡mYH$aU Ho$ ~mao _| AmnH$mo H$moB© OmZH$mar Xr hmo. EH$ Z_m©UmYrZ gßnŒm Ho$ bE G$U Cnb„Y H$amZo H$s pÒWV _| O°gr AmdÌH$Vm hmo, AmnH$mo BgHo gr XmÀdm| H$m nmbZ H$aZm hmoJm.

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S>odbn_|Q> EWm∞[aQ>r H$mo H$gr gwdYm Ho$ ~oao _| _m›Vm/ÒdrH•$V Xr hmo. JmhH$ H$mo Z_m©UmYrZ gßnŒm na bE JE H$O© Ho$ gß~ßY _| AnZr gr ‡H$ma H$s OÂ_oXmar ZmZr hmoJr.

3. rhsfZ dpV°$ ifsp°

Ad° bpÑ L$pd l°W$m_u L°$ Adpfu ApÑsqfL$ _urs_° ıhuL$peÆ AdyL$ hjp£ dpV°$ khÆ kÑbÑ dpÑ L°$ leps |ZÆ rdgL$s_° Appf° p°sp_u df∆A° A°L$kpdV$u L°$ l‡spdpÑ gp°__yÑ ‚dpZ rhsfZ L$fu iL°$ R>°.

Ad° qL$ıkp A_ykpf A_° Ad_°° v$f°L$ rhsfZ kde° N∞plL$ ‹pfp L$fpe°gu rh_Ñsu / r_v£$i / k|Q_p dyS>b rbÎX$f / h°QpZL$spÆ / kp°kpeV$u_° kuu fL$d_yÑ rhsfZ L$fhp_u ApTpv$u fphuA° R>°. Ad° N∞plL$ ‹pfp Aphu rh_Ñsu / r_v£$i / k|Q_p AphpdpÑ L$p°C Z fus° L$p°C Z rhgÑb \pe s° dpV°$ S>hpbv$pf _l] fluA° A_° Aphp° rhgÑb N∞plL$ ‹pfp \pe sp° Adpfp ‹pfp rb_-rhsfZ kÑbÑ dpÑ L$p°C Z MQÆ, v$f A_° cfpC dpV°$ N∞plL$ v$php° _l] L$fu iL$pi°. ≈° N∞plL$ Ad_° ANpE S>Zph°g Ïe[ºsAp°_° kuyÑ S> rhsfZ L$fhp_u k—p Ap° sp° AphyÑ rhsfZ N∞plL$_u k|Q_p A_ykpf L$fpi°. Ad° rhsfZ L$fhp dpV°$ p°sp_p D—fv$pre–hdpÑ afS>Q|L$ _l] L$fuA°.

Ad° bpÑ L$pd AV$L$u ≈e, bpÑ L$pddpÑ rhgÑb \pe, rgqV$N°i_, lıspÑsfZ, f°[ºhrTi_, Ap°af L$fpe°gu kgpdsu_p d|ÎedpÑ OV$pX$p°, "Ch°fiVπ$k Ap°a qX$ap°ÎV$' rijÆL$ l°W$m gp°_ L$fpfdpÑ S>ZpÏep dyS>b L$p°C Z OV$_p b_° A\hp Ad_° ep°¡e gpN° s° L$p°C Z Afie L$pfZ dpV°$ L$p°C Z fus° r_rdÆs rkºeyqfV$u_° Akf L$f_pfu L$p°C Z OV$_p b_° sp° ApNpdu l‡sp_yÑ rhsfZ AV$L$phhp dpV°$ dyºs R>uA°.

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4. Loan Disbursement

Your pre-approval expires after 120 days post which a fresh pre-approval will have to be sought. The pre-approval may be kept open at the Bank's sole discretion. We may at our sole discretion recall the loan offer/pre-approval at any point of time.

5. Repayment

• You need to repay the loan in monthly instalments on the due date as mentioned in the Facility Advice Letter. You are required to repay the loan EMI through Standing Instruction from your HSBC account/letter of authority to debit your HSBC account

• Your instalment amount would comprise of principal and interest, that are payable in EMIs as set out in the loan agreement/ Facility Advice Letter

• You would be required to pay outstanding balance, if any, pertaining to his loan account (after payment of all instalments) on the last EMI date as notified by us

• You would be required to pay the instalments, irrespective of you utilising any of the loan funds disbursed by HSBC from the loan account as per the disbursal advice signed by yourselves

• You need to ensure that the repayment instrument/instruction is honoured

Accordingly, you must ensure that:

a. Sufficient funds are available in the designated account to be debited.

b. You do not cancel/put stop payment on the cheques/instruments given towards the loan agreement.

c. You do not cancel or vary payment arrangement/Standing Instructions (unless required by us) given towards the loan repayment.

d. You do not close or change the account on which repayment instrument is drawn (unless you make an alternate arrangement for the repayment as agreeable to us).

• If you do not pay the instalment on or before the relevant due date; the outstanding loan amount and all accrued interest would become immediately due and payable. You would also be liable to pay the fee as set out in the Tariff Sheet.

4. G$U dVaUAmnH$m nyd©-AZw_moXZ 120 XZm| ~mX g_m· hmo OmVm h° OgHo$ ~mX EH$ ZE nyd©-AZw_moXZ H$s AmdÌH$Vm hmoJr. ~¢H$ Ho$ Òdß Ho$ ddoH$ na nyd©-AZw_moXZ H$mo Mmby aIm Om gH$Vm h°. H$gr r g_ h_ AnZo Òdß Ho$ ddoH$mYH$ma na G$U ‡ÒVmd/nyd©-AZw_moXZ H$mo dmng bo gH$Vo h¢.

5. nwZ©wJVmZ

AmnH$mo gwdYm nam_e© nà _| CÎboIV ZV VW na _mgH$ H$ÒVm| _| G$U H$m nwZ©wJVmZ H$aZo H$s AmdÌH$Vm hmoVr h°o. AmnH$mo AmnHo$ EMEg~rgr ImVo go ÒWmr ZXe/AmnHo$ EMEg~rgr ImVo go ame ZH$mbZo Ho$ bE ‡mYH$aU nà Ho$ _m‹_ go G$U B©E_AmB© Ho nwZw©JVmZ H$s AmdÌH$Vm hmoVr h°

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∑gp°_ l°W$m rhsfZ gp°_ dpV°$ L$fpf_u qf|ZÆsp A_° |sÆsp A_° Afie sdpd ‚dpZc|s v$ısph°≈° A_° N∞plL$ ‹pfp Adg L$fpe°gyÑ gMpZ A_° Adpfp ‹pfp r_pÆqfs dyS>b r_Á_rgrMs krls_° Apu_ fl°i°:

A°.qX$ap°ÎV$_u L$p°C OV$_p Dv$chu _\u L°$ A[ıs–hdpÑ _\u.

bu. sdpf° A° yfphp° Aphp_p° AphÌeL$ fl°i° L°$ gp°_ ApfÑcdpÑ dÑS|>f L$fpC lsu s° l°sy dpV°$ sdpfp ‹pfp gp°_ rhsfZ L$fhp_u rh_Ñsu L$fpC lsu.

ku. N∞plL$ rh_Ñsu L$f°gp rhsfZ kp\° kÑbÑ dpÑ AphÌeL$ dyS>b Aphp v$ısph°≈°, yfphp A_° g°rMsdpÑ Ap°.

X$u. A°hp L$p°C kÑ≈°Np° Dv$cÏep _\u S>° A°QA°kbuku_p Arc‚pedpÑ gp°_ dpV°$ L$fpf A_ykpf Adg L$fpe°gp v$ısph°≈° l°W$m A_° gp°_ g°hp dpV°$ N∞plL$ ‹pfp Adg L$fpe°gp Afie ‚dpZkf v$ısph°≈° l°W$m S>hpbv$pfu qf|ZÆ L$fhp N∞plL$ dpV°$ s° Aiºe b_°.

C. N∞plL$ Adpfp kÑsp°jdpÑ yfphp° Ape L°$ gp°_ g°hp dpV°$ AphÌeL$ khÆ kÑdrsAp°, dÑS|>fuAp° A_° fhp_NuAp° A_° rkºeyqfV$u r_dpÆZ L$fhp krls gp°_ g°hp kÑbÑ u khÆ v$ısph°∆L$fZ_yÑ pg_ L$fpeyÑ R>° s° kÑ |ZÆ R>°.

A°a. N∞plL°$ ApN, fsuLÑ$ , |f A_° Afie lpr_Ap° ‹pfp _yL$kp_ kpd° hudp LÑ$ _u pk° rdgL$s_p° hudp° L$Y$phhp_p° fl°i°, S>°dpÑ lp¢NL$p¢N A°fiX$ ipÑOpC b°[fiLÑ$N L$p° p£f°i_ rgrdV°$X$, CqfiX$ep gpcp\ fl°i°. N∞plL°$ apC_pfikf/ rNfp° fpM_pf sfuL°$ A°QA°kbuku_u sfa°ZdpÑ A°fiX$p°kÆ L$f°gu rdgL$s(sp°) kÑbÑ dpÑ hudp ep°S>_p_u _L$g Aphp_u fl°i°.

∑sdpfp ‹pfp rhsfZ_u ‚pr‡s_u spfuM Nd° s° lp°e sp°e Aphp rhsfZ l°W$m, S>° Z qL$ıkp° lp°e s° dyS>b, Q°L$ L°$ °d°fiV$ A°X$hpCk_u spfuM_p fp°S> sd_° rhsfZ ‚p‡s \eyÑ R>° A°hyÑ kd∆ g°hpi°. Ap\u V≤$p[fiTV$ / L$g°L$i_ / ‚pr‡s dpV°$ sdpfp ‹pfp Nd° s°V$gp° kde g°hpe sp°e, qL$ıkp dyS>b, Adpfp ‹pfp Q°L$ / °d°fiV$ A°X$hpCk / ° Ap°XÆ$f / V≤$pfikaf_u spfuM\u A°QA°kbuku_usfa°ZdpÑ gp°_ f ÏepS> DprS>Æs \i°.

∑bpÑ L$pd l°W$m_u rdgL$sp°_p qL$ıkpdpÑ Ad° L$p°C Z ifsp° rh_p gp°_ rhsfZ L$fhp_u dy_kau fphuA° R>uA°. ≈°L°$ Ad° AdyL$ kÑ≈°Np°dpÑ Aphu rdgL$s_yÑ bpÑ L$pd/ ky pfZp_yÑ L$pd iÍ$ \ep R>u S> A_° N∞plL$ Ad_° v$ısph°∆ yfphp Ap° R>u S> AdyL$ kÑ≈°Np°dpÑ rhsfZ p°sp_u df∆A° L$fu iL$uA° R>uA°. AdpfpÑ ApÑsqfL$ p°fZp° A_° dpNÆv$riÆL$p_u ◊rÙ$A° L$pd_u ‚Nrs A_ykpf sbΩ$phpf rhsfZ L$fpi°. N∞plL$ s°_° X°$hgf/ rbÎX$f/ kp°kpeV$u ‹pfp rdgL$s_yÑ bpÑ L$pd/ L$b≈° AphpdpÑ/ |ZÆ L$fhpdpÑ L$p°C Z rhgÑb \pe A\hp rdgL$s_u NyZh—p, [ı\rs, dS>b|su dpV°$ Aphp X°$hgf/ ‚dp°V$f/ rbÎX$f/ X°$hgd°fiV$ k—p_° L$p°C Z kyrhpAp°_° dÑS|>fu/ fhp_Nu Ad° Apu lp°e A\hp Aphp X°$hgf/ ‚dp°V$f/ rbÎX$f/ X°$hgd°fiV$ k—p rhi° N∞plL$_° L$p°C Z dprlsu Apu li° s° R>u L$p°C Z rhgÑb dpV°$ Ad_° S>hpbv$pf fu _l] iL$pi°. N∞plL°$ bpÑ L$pd l°W$m_u rdgL$s dpV°$ gp°_ g°hp_p qL$ıkpdpÑ AphÌeL$ dyS>b s°_u sdpd S>hpbv$pfuAp°_° bÑ pe°gp fl°hyÑ X$i°.

4. gp°__yÑ rhsfZ

gp°__u fL$d |hÆdÑS|>fu_u spfuM\u 120 qv$hkdpÑ Dg \hu ≈°CA°. gp°__u dÑS|>fu b°fiL$_u A°L$d°h df∆A° MyÎgu fMpC iL°$ R>°. Ad° Adpfu A°L$d°h df∆A° L$p°C Z kde° gp°__u Ap°af / |hÆ- dÑS|>fu fs M¢Qu iL$uA° R>uA°.

6. Default

• In the event of default (i.e. if the amount due is not paid by the due date or breach of any clause of the agreement), you will be sent reminders from time to time for payment of any outstanding on your loan account, by post, fax, telephone, e-mail, SMS messaging and/or through third parties appointed for collection purposes to remind, follow-up and collect dues. Any third party so appointed, shall adhere to the Indian Banks Association's (IBA) code of conduct on debt collection

• We will follow a defined process in accordance with our guidelines for recovery of dues. The process will involve sending you reminders via notice or by making personal visits and/or repossession of security. Our collection policy is built on fair treatment and persuasion

• As per Reserve Bank of India guidelines, we provide credit information relating to any customer who has availed of a credit facility, to the Credit Information Bureau (India) Limited (CIBIL) or any other licenced bureau on a monthly basis. The information provided reflects the status as at the previous month-end and includes information regarding whether the loan account is regular or delinquent. In the event a loan account is delinquent as of the date of such reporting and the account is subsequently regularised, the status of the account will only be updated prospectively, at the time of the next monthly reporting. As per CIBIL, all changes in your status are updated within a maximum of 30 days. To avoid any adverse credit history with CIBIL, you should ensure that timely payment of the amount due on the loan amount is duly made

6. S>µ\$m∞ÎQ

S>µ\$m∞ÎQ> (mZr X Xo ame H$m ZV VW VH$ wJVmZ Zht H$m OmVm h° m AZw~ßY Ho$ H$gr IßS> H$m CÎbßKZ hmoVm h°) H$s pÒWV _|, AmnH$mo AmnHo$ G$U ImVo na H$gr r ~H$mm Ho$ wJVmZ Ho$ bE g_-g_ na S>mH$, \° ä g, Q>obr\$moZ, B©-_ob, EgE_Eg gßXoem| Am°a /m gßJhU Ho$ C‘oÌ go Ò_aU H$amZo, AZwdV©Z Am°a ~H$mm Ho$ gßJhU Ho$ bE Zw∫$ Vrgao nj Ho$

¤mam Ò_aU-gßXoe oOo OmE±Jo. BgHo$ bE Zw∫$ H$moB© r Vrgam nj, G$U dgybr na maVr ~¢H$ gßK (AmB©~rE) H$s AmMma gßhVm H$m nmbZ H$aoJm.h_ ~H$mm H$s dgybr Ho$ bE h_mao Xem-ZXo©em| Ho$ AZwgma EH$ n[amfV ‡H$m H$m nmbZ H$a|Jo. Bg ‡H$m _| AmnH$mo ZmoQ>g Ho$ _m‹_ go Ò_aU gßXoe oOZm m Ï∫$JV _wbmH$mVoß H$aZm Am°a/m gwajm H$m nwZamYnÀ em_b hmoJm. h_mar gßJhU ZrV CMV CnMma Am°a dÌdmg na V° ma H$s JB© h°.

maVr [aµOd© ~¢H$ Ho$ Xem-ZXem| Ho$ AZwgma, h_ H$gr r Eogo JmhH$ go gß~ßYV O_m H$s OmZH$mar XoVo h¢ OgZo Ho$S>Q> B›\$m∞_eZ „yamo (BßS>m) b_Q>oS> (g~b) m H$gr r bmBg|gYmar „yamo H$mo G$U (Ho$S>Q>) gwdYm _mgH$ AmYma na Cnb„Y H$amB© h°. ‡XŒm gyMZmE± nyd© _mh Ho$ AßV na ÒWV H$mo Xem©Vr h°ß Am°a BZ_| Bg gß~ßY _oß OmZH$mar em_b hmoVr h¢ H$ ä m AmnH$m G$U ImVm Z_V h° m Xmofr h°. Cg pÒWV _| O~ H$moB© G$U ImVm Eogr [anmoQ>™J H$s VW H$m Xmofr hmoVm h° Am°a dh ImVm ~mX _| Z_V H$a Xm OmVm h°, V~ AJbo _mh H$s [anmoQ>™J Ho$ g_ ImVo H$s pÒWV ‡ÀmeV ‡md go gµ\©$ A⁄VZ H$s OmEJr. g~b Ho$ AZwgma, AmnH$s pÒWV _| gr n[adV©Z AYH$V_ 30 XZmoß Ho$ rVa A⁄VZ H a XE OmVo h¢. g~b Ho$ gmW H$gr r ‡VHy$b gmI Ho$ AVrV go ~MZo Ho$ bE, AmnH$mo h gwZpÌMV H$aZm MmhE H$ G$U na ~H$mm ame H$m g_ na wJVmZ dYdV H$m OmVm h°.

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6. S>µ\$m∞ÎQ

S>µ\$m∞ÎQ> (mZr X Xo ame H$m ZV VW VH$ wJVmZ Zht H$m OmVm h° m AZw~ßY Ho$ H$gr IßS> H$m CÎbßKZ hmoVm h°) H$s pÒWV _|, AmnH$mo AmnHo$ G$U ImVo na H$gr r ~H$mm Ho$ wJVmZ Ho$ bE g_-g_ na S>mH$, \° ä g, Q>obr\$moZ, B©-_ob, EgE_Eg gßXoem| Am°a /m gßJhU Ho$ C‘oÌ go Ò_aU H$amZo, AZwdV©Z Am°a ~H$mm Ho$ gßJhU Ho$ bE Zw∫$ Vrgao nj Ho$

¤mam Ò_aU-gßXoe oOo OmE±Jo. BgHo$ bE Zw∫$ H$moB© r Vrgam nj, G$U dgybr na maVr ~¢H$ gßK (AmB©~rE) H$s AmMma gßhVm H$m nmbZ H$aoJm.h_ ~H$mm H$s dgybr Ho$ bE h_mao Xem-ZXo©em| Ho$ AZwgma EH$ n[amfV ‡H$m H$m nmbZ H$a|Jo. Bg ‡H$m _| AmnH$mo ZmoQ>g Ho$ _m‹_ go Ò_aU gßXoe oOZm m Ï∫$JV _wbmH$mVoß H$aZm Am°a/m gwajm H$m nwZamYnÀ em_b hmoJm. h_mar gßJhU ZrV CMV CnMma Am°a dÌdmg na V° ma H$s JB© h°.

maVr [aµOd© ~¢H$ Ho$ Xem-ZXem| Ho$ AZwgma, h_ H$gr r Eogo JmhH$ go gß~ßYV O_m H$s OmZH$mar XoVo h¢ OgZo Ho$S>Q> B›\$m∞_eZ „yamo (BßS>m) b_Q>oS> (g~b) m H$gr r bmBg|gYmar „yamo H$mo G$U (Ho$S>Q>) gwdYm _mgH$ AmYma na Cnb„Y H$amB© h°. ‡XŒm gyMZmE± nyd© _mh Ho$ AßV na ÒWV H$mo Xem©Vr h°ß Am°a BZ_| Bg gß~ßY _oß OmZH$mar em_b hmoVr h¢ H$ ä m AmnH$m G$U ImVm Z_V h° m Xmofr h°. Cg pÒWV _| O~ H$moB© G$U ImVm Eogr [anmoQ>™J H$s VW H$m Xmofr hmoVm h° Am°a dh ImVm ~mX _| Z_V H$a Xm OmVm h°, V~ AJbo _mh H$s [anmoQ>™J Ho$ g_ ImVo H$s pÒWV ‡ÀmeV ‡md go gµ\©$ A⁄VZ H$s OmEJr. g~b Ho$ AZwgma, AmnH$s pÒWV _| gr n[adV©Z AYH$V_ 30 XZmoß Ho$ rVa A⁄VZ H a XE OmVo h¢. g~b Ho$ gmW H$gr r ‡VHy$b gmI Ho$ AVrV go ~MZo Ho$ bE, AmnH$mo h gwZpÌMV H$aZm MmhE H$ G$U na ~H$mm ame H$m g_ na wJVmZ dYdV H$m OmVm h°.

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AmnH$s H$ÒV H$s ame _| _yb YZ Ho$ gmW „mO r hmoJm, Omo H$ B©E_AmB© _| Xo h¢ O°gm H$ G$U AZw~ßY/ gwdYm nam_e© nà _| ZpÌMV H$m Jm h°.O°gm H$ h_mao ¤mam gyMV H$m Jm h°,AßV_ B©E_AmB© VW na X CgHo$ G$U ImVo go gß~ßYV H$moB© ~H$mm ame hmo(gr H$ÌVm| Ho$ wJVmZ Ho$ ~mX), Vmo AmnH$mo CgH$m wJVmZ H$aZo H$s AmdÌH$Vm hmoJr .AmnH$mo H$ÌVm| H$m wJVmZ H$aZo H$s AmdÌH$Vm hmoJr, Bg ~mV na ‹mZ XE ~J°a H$ AmnHo$ ¤mam hÒVmj[aV dVaU gyMZm Ho$AZwgma Amn G$U ImVo go EMEg~rgr ¤mam gßdV[aV H$gr G$U ame H$m CnmoJ H$a aho h¢.AmnH$mo h gwZpÌMV H$aZo H$s µOÍ$aV h° H$ nwZw©JVmZ CnH$aU/AZwXoe H$m AmXa hmo ahm h°.VX≤Zwgma, AmnH$mo gwZpÌMV H$aZm MmhE H$ :E. ame ZH$mbo OmZo dmbo Zm_V ImVo _| nm©· YZame Cnb„Y h°.~r. G$U AZw~ßY Ho$ bE XE JE MoH$/gmYZ Amn ZaÒV Zht H$aVo/ CZHo$ wJVmZ na amoH$ Zht bJmVo.gr. G$U nwZw©JVmZ Ho$ bE Amn wJVmZ ÏdÒWm/ÒWmr ZXem| (X h_mao ¤mam AmdÌH$ Z hmo) H$mo ZaÒV m nadV©V Zht H$aVo h¢.S>r. Amn Cg ImVo H$mo ~ßX m n[adV©V Zht H$aVo h¢, Og na nwZw©JVmZ gmYZ Xo h¢(X Amn nwZw©JVmZ Ho$ bE EH$ d°H$pÎnH$ ÏdÒWm Zht H$aVo Omo h_mao bE ÒdrH$m© h°).

X Amn ‡mgßJH$ ZV VW na m Cggo nhbo H$ÒVm| H$m wJVmZ Zhrß H$aVo h¢ ; ~H$mm G$U ame Am°a gr AO©V „mO VwaßV eof Am°a Xo ~Z OmEJr. Amn r ewÎH$ H$m wJVmZ H$aZo Ho$ bE CŒmaXmr hm|Jo O°gm H$ Q>°[a\$ nÃH$ _| ZYm©[aV H$m Jm h°.

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5. y_:QyL$hZu

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A°.

bu.

ku.

X$u.

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sdpd gp°_ kyrhp kgpl ”dpÑ DÎg°M dyS>b _Ω$u L$f°g spfuM_p fp°S> dprkL$ l‡spAp°dpÑ y_: QyL$hZu L$fhp_yÑ S>Í$fu R>° A_° gp°_ CA°dApC_u y_:QyL$hZu A°QA°kbuku MpspdpÑ\u ı\peu k|Q_p / A°QA°kbuku_p MpspdpÑ\u L$pu g°hp_u k—p Apsp ” dpfas afqS>eps R>°.

N∞plL°$ _uQ° dyS>b sL°$v$pfu fpMhu ≈°CA°:

r_eyºs MpspdpÑ\u L$pu g°hp dpV°$ |fsyÑ cÑX$p°m Dg lp°e.

sd° gp°_ L$fpfdpÑ Ap°gp Q°L$ / kp_p° f QyL$hZu fv$ L$fp° / AV$L$php° A°hu k|Q_p _luÑ Apu iL$p°.

sd° gp°__u y_:QyL$hZu kpd° Ap°gu QyL$hZu_u Ïehı\p / ı\peu k|Q_pAp° (rkhpe L°$ A°QA°kbuku ‹pfp AphÌeL$ lp°e) fv$ L°$ bv$gu _l] L$fu iLp°.

sd° y_:QyL$hZu kp_ S>° Mpsp_° _pd° lp°e (rkhpe L°$ s° / s°Zu A°QA°kbuku ‹pfp kÑdrs dyS>b y_:QyL$hZu dpV°$ h•L$[ÎL$ Ïehı\p_ L$f°) s° MpsyÑ bÑ L°$ bv$gu _l] L$fu iL$p°.

≈° N∞plL$ kykÑNs _LLu L$f°g spfuM_p fp°S> A\hp |h°Æ l‡sp° _l] Q|L$h° sp° bpL$u gp°__u fL$d A_° sdpd DpqS>Æs ÏepS> sp–L$prgL$ g°œÑ A_° Q|L$hhpp” b_u S>i°. N∞plL$ V°$qfa ”L$dpÑ Ap‡ep dyS>b au Q|L$hhp dpV°$ Z S>hpbv$pf fl°i°.

l‡sp_u fL$ddpÑ d|m fL$d A_° ÏepS>_p° kdph°i fl°i°, S>° gp°_ L$fpf / kyrhp kgpl ”dpÑ Ap‡ep dyS>b CA°dApCdpÑ Q|L$hhp_pÑ fl°i°.

N∞plL°$ Adpfp ‹pfp ≈Z L$epÆ dyS>b R>°Îgu CA°dApC_u spfuM_p fp°S> s°_p gp°_ Mpsp (sdpd l‡sp Q|L$hu v$up R>u) kÑbÑ dpÑ ≈° L$p°C lp°e sp° bpL$u fL$d Q|L$hhu AphÌeL$ R>°.

N∞plL°$ s°_p ‹pfp klu L$f°gu rhsfZ fQu fkuv$ A_ykpf gp°_ MpspdpÑ\u A°QA°kbuku ‹pfp rhsfZ dyS>b s° / s°Zu L$p°C Z gp°_ aÑX$_p° Dep°N L$f° L°$ _luÑ L$f° sp° Z l‡spAp° Q|L$hhp AphÌeL$ fl°i°.

N∞plL°$ y_:QyL$hZu kp_ / k|Q_p_yÑ pg_ \pe s°_u Mpsfu fpMhyÑ S>Í$fu R>°.

7. Prepayment and foreclosure

• You can prepay/foreclose the loan by giving a notice in writing and pay in accordance with our rules of prepayment/foreclose, along with charges if any (Please refer to the Loans – Service Charges and Fees section of our website for more details)

• If you make a prepayment/pay towards foreclosure by cheque, the payment will take effect only when the cheque is cleared

• Your original documents submitted to us, would be returned within 15 days of satisfactorily loan closure, as per the conditions of the loan agreement signed by you

8. Statement of account

We will send across a half-yearly statement of the loan account at your correspondence address registered on the Bank's record. If you have signed up for Internet Banking and electronic statement, a paper copy will not be sent to your correspondence address.

If you need a copy of the statement of account, you may call our PhoneBanking service or visit our branch and request for a copy subject to the applicable fee.

7 nyd© wJVmZ Am°a nwamo~ßY

Amn bIV _| EH$ gyMZm XoH$a G$U H$m nyd© wJVmZ/nwamo~ßY H$a gH$Vo h¢ Am°a X H$moB© ewÎH$ hmo, CgHo$ gmW h_mao nyd© wJVmZ/nwamo~ßY Ho$ Z_m| Ho$ AZwgma BgH$m wJVmZ H$a gH$Vo h¢. (AYH$ OmZH$mar Ho$ bE H•$nm h_mar do~gmBQ> Ho$ G$U-godm ewÎH$ Am°a ‡ma AZw mJ H$mo XoI|)

X Amn MoH$ ¤mam H$moB© nyd© wJVmZ/nwamo~ßY Ho$ bE wJVmZ H$aVo h¢, Vmo wJVmZ gµ\©$ Vr ‡md _| AmEJm O~ MoH$ ÒdrH•$V hmo OmVm h°.AmnHo$ ¤mam hÒVmj[aV G$U AZw~ßY H$s eVm] Ho$ AZwgma AmnHo$ _yb ‡boI Omo h_mao nmg O_m h¢, G$U Ho$ gßVmofnyd©H$ ~ßX hmoZo Ho$ ~mX 15 XZm| Ho$ rVa AmnH$mo bm°Q>m XE OmE±Jo.

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8 ImVo H$m ddaU

h_ ~¢H$ [aH$m∞S>© na nßOrH•$V AmnHo$ nÃmMma Ho$ nVo na G$U ImVo H$m N>_mhr ddaU oO|Jo. X AmnZo BßQ>aZoQ> ~¢qH$J m Bboä Q¥>m∞ZH$ ddaU Ho$ bE AnZm Zm_ XO© H$admm h°, Vmo AmnHo$ nÃmMma Ho$ nVo na H$moB© H$mJOr ‡V Zht oOr OmEJr.X AmnH$mo ImVo Ho$ ddaU H$s EH$ ‡V H$s AmdÌH$Vm h°, Vmo Amn h_mar \$moZ ~¢qH$J godm H$mo H$m∞b H$a gH$Vo h¢ m h_mar emIm na OmH$a bmJy ewÎH$ Ho$ AYrZ EH$ ‡V H$m AZwamoY H$a gH$Vo h¢.

gßVmofnyd©H$ ~ßX hmoZo Ho$ ~mX 15 XZm| Ho$ rVa AmnH$mo bm°Q>m XE OmE±Jo.

6. qX$ap°ÎV$

qX$ap°ÎV$_p qL$ıkpdpÑ (A°V$g° L°$, ≈° g°Zu fL$d _ºL$u L$f°g spfuM ky udpÑ Q|L$hpe _l] L°$ L$fpf_u L$p°C Z pfp_yÑ DÎgÑO_ \pe) N∞plL$_° V$ pg, a°ºk, V°$rgap°_, Cd°Cg, A°kA°dA°k d°k°qS>ÑN A_° / A\hp epv$Nufu L$fhp, ap°gp°-A L$fhp A_° g°ZpÑ S>dp L$fhp dpV°$ r_eyºs ”u≈ np° ‹pfp s°_p gp°_ Mpsp_u L$p°C Z bpL$u QyL$hZu dpV°$ kdepÑsf° epv$Nufu dp°L$ghp_u fl°i°. Ap fus° r_eyºs L$p°C Z ”u≈° n F>Z S>dp L$fhp dpV°$ C[fiX$e_ b°fiºk A°kp°rke°i__u (ApCbuA°) ApQpfkÑrlsp_yÑ Qp°L$kpC\u pg_ L$fi°.

g°ZpÑ hk|g L$fhp dpV°$ Adpfu dpNÆv$riÆL$pAp° AÑsNÆs Ïepøep L$fpe°gu ‚qæ$ep_yÑ pg_ L$fpi°. Ap ‚qæ$epdpÑ k|Q_p dp°L$gu_° N∞plL$_° epv$ AphhyÑ L°$ AÑNs fus° dygpL$ps g°hyÑ A_° / A\hp rkºeyqfV$u_p y_:L$b≈_p° kdph°i \pe R>°. Adpfu L$g°L$i_ _urs Ïehlpfy DQpf A_° kd≈hV$ f b_u R>°.

qfThÆ b°fiL$ Ap°a C[fiX$ep_u dpNÆv$riÆL$p A_ykpf A°QA°kbuku Dpf_u kyrhp guu lp°e s° L$p°C Z N∞plL$ kÑbÑ u Dpf_u dprlsu æ°$qX$V$ Cfiap°d°Æi_ Âeyfp° (C[fiX$ep) rgrdV°$X$ (rkrbg) A\hp L$p°C Z Afie gpCkfiıX$ Âeyfp°_° dprkL$ p°fZ° dp°L$g° R>°. Ap dprlsudpÑ Ns drl_p_° AÑs° [ı\rs A_° gp°_ MpsÑy r_erds R>° L°$ afS>Q|L$ \C flu R>° s° rhi° dprlsu_p° kdph°i \pe R>°. ≈° gp°_ MpspdpÑ Aphu ≈Z L$fhp_u spfuM° afS>Q|L$ \C lp°e A_° MpsyÑ –epf bpv$ r_erds L$fpe sp° Mpsp_u [ı\rs kÑcpÏe fus° ApNpdu drl_° ≈Z L$fhp kde° AX°$V$ L$fpi°. rkrbg A_ykpf N∞plL$_u [ı\rsdpÑ sdpd a°fapfp° dl—d 30 qv$hk_u AÑv$f AX°$V$ L$fpe R>°. rkrbgdpÑ L$p°C Z dpW$p° Dpf Crslpk V$pmhp dpV°$ N∞plL$p°A° gp°__u fL$d Df g°Zu fL$d_u QyL$hZu kdekf \pe s°_u Mpsfu fpMhu ≈°CA°.

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7. |hÆQyL$hZu A_° ap°fºgp°Tf (Nufp° R>p°X$phhp_p° ‚rsj° )

N∞plL$ Ad_° |hÆQyL$hZu / ap°fºgp°Tf AÑsNÆs g°rMsdpÑ k|Q_p Apu_° A_° QyL$hZu kp\° ≈° L$p°C lp°e sp° (L©$ p L$fu_° hy rhNsp° dpV°$ V°$qfa ”L$ Sy>Ap°) |hÆQyL$hZu/ ap°fºgp°Tf_p v$fp° kp\° gp°_ |hÆQyL$hZu / ap°fºgp°T L$fu iL$p° R>°.

≈° |hÆQyL$hZu / ap°fºgp°T Q°L$ ‹pfp L$fpe sp° |hÆQyL$hZu / ap°fºgp°T Q°L$ hV$u ≈e R>u AkfL$pfL$ b_i°.

sd° Ad_° ky fs L$f°gp d|m v$ısph°≈° gp°_ kÑsp°jL$pfL$ fus° Q|L$hu v$up R>u 15 qv$hkdpÑ fs L$fpi°, S>° N∞plL$ ‹pfp klu L$f°gp gp°_ L$fpf_u ifsp° A_ykpf fl°i°.

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8. Mpsp_yÑ r_h°v$_

Ad° b°fiL$dpÑ _p¢ pe°g dyS>b sdpfp ”Ïehlpf_p kf_pdp f gp°_ Mpsp_pÑ AÆhprjÆL$ r_h°v$_p° dp°L$guiyÑ. ≈° sd° CfiV$f_°V$ b°[fiLÑ$N A_° Cg°ºV≤$p°r_L$ r_h°v$_ dpV°$ klu L$fu lp°e sp° sdpfp ”Ïehlpf_p kf_pd° ° f L$p° u dp°L$ghpdpÑ Aphi°.

≈° sd_° Mpsp_p r_h°v$__u _L$g_u S>Í$f lp°e sp° Adpfu ap°_ b°[fiLÑ$N krhÆk_° L$p°g L$fu iL$p° R>p° A\hp Adpfu ipMpdpÑ lp¢Qu_° gpNy au_° Apu_ L$p° u dpV°$ rh_Ñsu L$fu iL$p° R>p°.

9. Know your customer / Due diligence requirement

In line with the requirements of the Bank's policy, the Know Your Customer (KYC) documents along with other documentation need to be submitted at the time of opening a new account or as and when requested by the Bank. The Bank reserves a right to allow / restrict operations in a newly opened / existing accounts maintained with the Bank, if the customer is not able to satisfy the due diligence requirements in line with the Bank’s policy.The Bank reserves a right to block transactions/ allow operations in a newly opened/ existing accounts maintained with the Bank, if the account deliverables/ welcome letter/ welcome pack/ bank correspondences not limited to Account statements, etc., are returned undelivered and Bank is unable to contact you at the address/ contact number provided by you at the time of account opening/ updated in Bank records.

9. AnZo JmhH$ H$mo OmZ| / WmoMV VÀnaVm H$s AmdÌH$Vm~¢H$ H$s nm∞bgr H$s AmdÌH$Vm Ho$ AZwÍ$n, H$gr ZE ImVo H$mo ImobVo g_ m O°gm Am°a O~ r ~¢H$ ¤mam AZwamoY H$m OmE, A› ‡boIZ Ho$ gmW "AnZo JmhH$ H$mo OmZ|' (Ho$dmgr) ‡boIm| H$mo ‡ÒVwV H$E OmZo H$s OÍ$aV hmoVr h°. X JmhH$ ~¢H$ H$s ZrV Ho$ AZwgma Cnw∫$ VÀnaVm gß~ßYr AmdÌH$VmAm| H$mo gßVwÔ> H$aZo _| gj_ Zht hmoVm h° Vmo ~¢H$ Ho$ nmg ~¢H$ Ho$ gmW ZE Imobo JE/Omar aIo JE _m°OyXm ImVm| _| n[aMmbZm| H$mo ÒdrH•$V H$aZo/amoH$Zo H$m AYH$ma gwajV h°.

X ImVo Ho$ gmW ‡Xo dÒVwE±/ÒdmJV nÃ/ÒdmJV n°H$/~¢H$ nÃmMma Omo ImVm ddaUm| VH$ gr_V Zht h°, AmX nh±MmE ~J°a dmng bm°Q>m XE OmVo h¢ Am°a ~¢H$ Amngo ImVm ImobVo g_/~¢H$ [aH$m∞S>© _| ImVm A⁄VZ H$aVo g_ AmnHo$ ¤mam XE JE nVo/gßnH©$ Zß~a na gßnH©$ H$aZo _| gj_ Zhrß hmo nmVm h° Vmo ~¢H$ Ho$ nmg ZE Imobo JEImVo/~¢H$ Ho$ gmW ~ZmE aIo JE _m°OyXm ImVo _| boZXoZ H$mo amoH$Zo/n[aMmbZm| H$mo ÒdrH•$V H$aZo H$m AYH$ma gwajV h°.

9. sdpfp N∞plL$_° ≈Zp° / ep°¡e QuhV$_u AphÌeL$sp

b°fiL$_u _urs_u AphÌeL$spAp°_u f°MpdpÑ _p° ep°f L$ıV$df (sdpfp N∞plL$_° ≈Zp°- L°$hpeku) v$ısph°≈° kp\° Afie v$ısph°∆L$fZ _hyÑ MpsyÑ Mp°ghp kde° A\hp b°fiL$ ‹pfp rh_Ñsu L$fpe s° dyS>b A_° –epf° ky fs L$fhp_yÑ S>Í$fu R>°. ≈° b°fiL$_u _urs kp\° f°MpdpÑ ep°¡e QuhV$_u AphÌeL$spAp°_° N∞plL$ kÑsp°ju _l] iL°$ sp° b°fiL$ pk° ≈mhhpdpÑ Aph°gp _hp Mp°g°gp/ dp°S|>v$ MpspdpÑ L$pdNufu Qpgy fpMhp_p° / r_eÑr”s L$fhp_p° b°fiL$_° Abprs ArL$pf R>°.

≈° Mpsp_pÑ r_h°v$_p° rkhpe Mpsp kÑbÑ u v$ısph°≈° / h°gL$d g°V$f/ h°gL$d °L$/ b°fiL$_p ”Ïehlpf qX$rghfu \ep rh_p pR>p Aphu ≈e A_° b°fiL$ MpsyÑ Mp°ghp kde° sd° Ap°gp / b°fiL$ f°L$p°XÆ$dpÑ AX°$V$ dyS>b kf_pdyÑ/ kÑ LÆ$ _Ñbf Df sdpfp° kÑ LÆ$ _l] L$fu iL°$ sp° b°fiL$ pk° _hp Mp°g°gp/ dp°S|>v$ MpspdpÑ L$pdNufu g°Zv°$Z AV$L$phhp_p° / dÑS|>f L$fhp_p° b°fiL$_° Abprs ArL$pf R>°.

The Bank and other members of the HSBC Group are required to and may take any action to meet Compliance Obligations relating to or in connection with the detection, investigation and prevention of Financial Crime (“Financial Crime Risk Management Activity”) and act in accordance with the laws, regulations and requests of public and regulatory authorities operating in various jurisdictions which relate to Financial Crime. The Bank may take, and may instruct (or be instructed by) any other member of the HSBC Group to take, any action which it or such other member, in its sole and absolute discretion, considers appropriate to take in accordance with all such laws, regulations and requests.Such action may include but is not limited to (a) screening, intercepting and investigating any instruction, communication, drawdown request, application for Services, or any payment sent to or by you, or on your behalf, (b) investigating the source of or intended recipient of funds (c) combining Customer Information with other related information in the possession of the HSBC Group, and/or (d) making further enquiries as to the status of a person or entity, whether they are subject to a sanctions regime, or confirming your identity and status (e) share information on a confidential basis with such HSBC Group offices whether located in India or overseas in relation to prevention of Financial Crime. Exceptionally, our Financial Crime Risk Management Activity may lead to us delaying, blocking or refusing the making or clearing of any payment, the processing of your instructions or application for Services or the provision of all or part of the Services. To the extent permissible by law, neither we nor any other member of HSBC Group shall be liable to you or any third party in respect of any loss (whether direct or consequential and including, without limitation, loss of profit or interest, however it arose) that was suffered or incurred by you or a third party, caused in whole or in part in connection with the undertaking of Financial Crime Risk Management Activity. In certain circumstances, the action which the Bank may take may prevent or cause a delay in the processing of certain information. Therefore, neither the Bank nor any member of the HSBC Group warrants that any information on the Bank's systems relating to any payment messages or other information and communications which are the subject of any action taken pursuant to this clause is accurate, current or up-to-date at the time it is accessed, whilst such action is being taken.For the purpose of the present clause:“Compliance Obligations” means obligations of the HSBC Group to comply with: (a) laws or international guidance and internal policies or procedures, (b) any demand or request from authorities or reporting, disclosure or other obligations under laws, and (c) laws requiring us to verify the identity of our customers.“Financial Crime” includes money laundering, terrorist financing, bribery, corruption, tax evasion, fraud, evasion of economic or trade sanctions, and/or any acts or attempts to circumvent or violate any laws relating to these matters.

10. Sanctions

10. ‡V~ßY~¢H$ Am°a EMEg~rgr g_yh Ho$ A› gXÒm|H$mo dŒmr AnamY H$m nVm bJmZo, Om±MZo Am°a amoH$Zo go g~ßYV m CgHo$ g~ßY _| AZwnmbZ H$s ~m‹Vm H$mo nyam H$aZo Ho$ bE H$moB© H$m©dmhr H$aZo H$sAm°a dfi ›m joÃm| _| n[aMmbZ H$aVo dŒmr AnamYm| go gß~ßYV gmd©OZH$ d dZm_H$ ‡mYH$aUm| Ho$ H$mZyZm|, dZ_m| Am°a AZwamoY Ho$ AZwgma H$m© H$aZo H$s OÍ$aV hmoVr h° m do H$a gH$Vo h¢. ~¢H$ H$moB© H$m©dmhr H$a gH$Vm h° m H$m©dmhr H$aZo Ho$ bE EMEg~rgr g_yh Ho$ H$gr A› gXÒ H$mo ZXe Xo gH$Vm (CgHo$ ¤mam ZXeV H$m Om gH$Vm) h°, dhH$m©dmhrOmo

h m Eogm A› gXÒ AnZo EH$_mà Am°a nyU© ddoH$ _|, Eogo gr H$mZyZm|, dZ_m| Am°a AZwamoY Ho$ AZwgma H$aZm CMV g_PVm h°.Eogr H$m©dmhr _| ZÂZ ~mV| em_b hmo gH$Vr h¢ qH$Vw BZ VH$ gr_V Zhr h° -(E) H$gr ZXe, gßMmaU,AmhaU ¤mam H$_r Ho$ AZwamoY, godmAm| Ho$ bE AmdoXZ, m H$moB© r wJVmZ Omo AmnH$mo

m AmnHo ¤mam, m AmnH$s OJhoOm Jm hmo CgH$mAZwdrjU, AdamoYZ Am°a AZwgßYmZ (~r) ame Ho$ ÛmoV m ArÔ> ‡m·H$Vm© H$s Om±M, (gr)EMEg~rgr g_yh Ho$ AYH$ma joà _| A› gß~ßYV OmZH$mar Ho$ gmW JmhH$ OmZH$mar H$m gß moOZ Am°a/m (S>r)H$gr Ï∫$ m gßÒWm H$s pÒWV go gß~ßßYV AmJo Am°a nyN>VmN> H$aZm, H$ m Vmo do H$gr ‡V~ßYm| H$s ÏdÒWm Ho$ AYrZ h¢, m AmnH$s nhMmZ Am°a pÒWV H$s nwÔ> H$a aho h¢ (B©) dŒmr AnamY H$s amoH$Wm_ Ho$ gß~ßY _| Eogo EMEg~rgr g_yh H$mm©bm| Ho$ gmW JmonZr AmYma na OmZH$mar gmPm H$aZm, Mmho do maV _| pÒWV hmo m dXoe _|.AndmX ÒdÍ$n, h_mar dŒmr AnamY OmoI_ ‡~ßYZ JVdY h_mao ¤mam H$moB© wJVmZ H$aZo m ZnQ>mZ H$aZo _|, AmnHo$ ZXem|, godm Ho$ bE AmdoXZ m gr godmAm| m CgHo$ EH$ hÒgo Ho$ ‡mdYmZm| Ho$ ‡gßÒH$aU _| Xoar H$aZo, amoH$Zo m B›H$ma H$aZo H$m H$maU ~Z gH$Vr h°.H$mZyZ ¤mam AZw_V ‡XŒm gr_m VH$ Z Vmo h_ Am°a Z hr EMEg~rgr g_yh H$m H$moB© r gXÒ H$gr r hmZ (Mmho ‡Àj hmo m n[aUm_r, Am°a OZ_| em_b h¢ gr_m Ho$ gmW, bm m „mO H$s hmZ, O°go r h hB© hmo) Ho$ gmnoj,Omo dŒmr AnamY OmoI_ ‡~ßYZ JVdY Ho$ H$m© Ho$ gmW nyU© m AmßeH$ Í$n go AmnH$mo m H$gr Vrgao nj H$mo hB© hmo m AmnHo$/Vrgao nj ¤mam CR>mB© JB© hmo, CgHo$ bEAmnHo$ m H$gr r Vrgao nj Ho$ ‡V CŒmaXmr hmoJm.Hw$N> n[apÒWVm| _|, dh H$m©dmhr Omo ~¢H$ H$a gH$Vm h° CgH$s dOh go Hw$N> OmZH$mar Ho$ ‡gßÒH$aU _| amoH$ bJ gH$Vr h° m Cg_|ß Xoar hmo gH$Vr h°. BgbE Z Vmo ~¢H$ Am°a Z hr EMEg~rgr g_yh H$m H$moB© gXÒ Bg ~mV H$m AmÌdmgZ XoVm h° H$ ~¢H$ ‡Umbr na H$gr wJVmZ gßXoe m A› gyMZm Am°a g߇ofU, Omo Bg IßS> Ho$ AmYma na H$s JB© H$gr r H$m©dmhr Ho$ AYrZ hmo, Cggo gß~YV H$moB© r OmZH$mar Eogr H$m©dmhr Xm°amZ O~ Bgo XoIm Jm hmo V~ ghr, gm_H$ m A⁄VZ h°.

dV©_mZ IßS> Ho$ C‘oÌ Ho$ bE :""AZwnmbZ XmÀd'' H$m VmÀn© EMEg~rgr g_yh Ho$ Eogo XmÀdm| go h°, OZHo$ AßVJ©V: (E) H$mZyZm| m AßVam©ÓQ¥>r Xem-ZXem| Am°a AmßV[aH$ ZrVmoß m ‡H$mAm| H$m, (~r) AYH$m[am| H$s H$gr _m±J m AZwamoY m H$mZyZm| Ho$ AßVJ©V gßgyMZm, ‡H$Q>rH$aU m A› XmÀdm| H$m, (gr) CZ H$mZyZm| H$m Omo h_go JmhH$ H$s nhMmZ H$mo gÀmnV H$aZo H$s _m±J H$aVo hmo, H$m nmbZ H$m OmVm hmo.""dŒmr AnamY'' _| H$mbo YZ H$mo d°Y ~ZmZo, AmVßH$dmXm| H$m dŒmnmofU H$aZo, [aÌdV, ^Ô>mMma, H$a Mmoar. YmoImYãS>r, AmW©H$ m Ïmnm[aH$ ‡V~ßYm| H$mo N>bZo, Am°a/m BZ _m_bm| go gß~ßYV H$gr r H$mZyZ H$mo YmoIm XoZo m CÎbßKZ H$m H$moB© H$m© m ‡mg em_b h°.

11. Customer serviceWe’re here to help

If you have any questions or would like further information, please contact your Relationship Manager who will be happy to help. You can also,

- Call our PhoneBanking service or

- Visit us at any of our branches or

- Write to us on our e-mail ID info@hsbc.co.in

Please note that all grievance/escalations should be marked to:The Nodal Officer,The Hongkong and Shanghai Banking Corporation Limited,Rajalakshmi, No. 5 and 7, Cathedral Road,Chennai - 600 086. India.Nodal Officer e-mail: nodalofficerinm@hsbc.co.inYou may contact the Nodal Officer Team on +91-44-3911-1217 (Between 9:30 a.m. and 6:00 p.m.; from Monday to Friday).

11. JmhH$ godmhm± h_ AmnH$s _XX Ho$ bE V° ma h¢X AmnHo$ H$moB© ‡ÌZ h¢ m Amn Am°a AYH$ OmZH$mar nmZm MmhVo h¢, Vmo H•$nm AnZo [aboeZen _°ZoOa go gßnH©$ H$a|, Omo AmnH$s ghmVm ghf© H$a|Jo. AmnHo$ nmg ZÂZmßH$V dH$În r h¢ -

- Amn h_mar \$moZ ~¢qH$J godm H$mo H$m∞b H$a gH$Vo h¢ m - Amn h_mar H$gr r emIm na Om gH$Vo h¢ m - Amn h_| h_mao B©-_ob info@hsbc.co.in na bI gH$Vo h¢.H•$nm ‹mZ X| H$ gr eH$mV|/‡gma ZÂZ Ho g_j ‡ÒVwV H$E OmZo MmhE :ZmoS>b AYH$mar,X hmßJH$mßJ EßS> eßKmB© ~¢qH$J H$m∞nmaoeZ b_Q>oS>,amOb_r, H$. 5 Am°a 7, H°$WoS¥>b amoS>,MofiB© 600086, maVZmoS>b AYH$mar B©-_ob :nodalofficerinm@hsbc.co.inAmn ZmoS>b AYH$mar Q>r_ go +91-44-3911-1217 na gßnH©$ H$a gH$Vo h¢ (gw~h 9.30 go em_ 6.00 ~Oo Ho$ ~rM; gmo_dma go ewH$dma)

11. N∞plL$ k°hpsd_° klpeÍ$ \hp_u Ad_° Myiu \i°≈° sd_° L$p°C Z ‚Òp° lp°e A\hp hy dprlsu ≈°Csu lp°e sp° L©$ ep sdpfp qfg°i_ri d°_°S>f_p° kÑ LÆ$ L$fp°, S>° Myiu\u sd_° dv$v$Í$ \i°. DfpÑs r_Á_rgrMs rhL$Î Z R>°.-Adpfu ap°_ b°[fiLÑ$N krhÆk f L$p°g L$fp°, A\hp-Adpfu L$p°C Z ipMp_u dygpL$ps gp°, A\hp-Al] gMp°: info@hsbc.co.inL©$ ep sdpd aqfepv$p° / d|ÑThZp°_° AL$g _L$g Al] Z dp°L$ghu:

_p°X$g Ap°qakf, lp¢NL$p¢N A°fiX$ ipÑOpC b°[fiLÑ$N L$p° p£f°i_ rgrdV°$X$,

fpS>gdu _Ñ. 5 A_° 6, L$°\°X≤$g fp°X$,Q°fi_pC- 600 086, cpfs._p°X$g Ap°qakf C-d°Cg: nodalofficerinm@hsbc.co.insd° _p°X$g Ap°rak_u V$ud_p° Al] kÑ LÆ$ L$fu iL$p° R>p°: +91-44-3911-1217 (kp°dhpf\u iyæ$hpf° khpf° 9.30\u kpÑS>° 6.00)

10. dÑS|>fu

b°fiL$ A_° A°QA°kbuku N∞y _p Afie kÊep°A° _pZpL$ue Ny_p° (""_pZpL$ue Ny_p ≈°Md Ïehı\p_ ‚h©r—'')_u ip° , spk A_° r_hpfZ kp\° kÑbÑrs A\hp kÑbÑ dpÑ ArcdyMsp S>hpbv$pfu_° lp¢Qu hmhpdpÑ L$p°C Z NgpÑ g°hpÑ X°$ A_° gC iL°$ R>° A_° _pZpL$ue Ny_p° bfiep° lp°e s° rhrh kudpdpÑ L$pev$p, r_ed_ A_° S>_sp s\p r_ed_ k—p_u rh_Ñsu dyS>b NgpÑ gC iL°$ R>°. b°fiL$ Aphp khÆ L$pev$p, r_ed_ A_° rh_ÑsuAp° A_ykpf ep°¡e gpN° s°_u A°L$d°h A_° kÑ |ZÆ df∆dpÑ s° A\hp Aphp Afie kÊep° L$p°C Z NgpÑ g° s° dpV°$ b°fiL$ p°s° A_° A°QA°kbuku N∞y _p L$p°C Z kÊe_° L$p°C Z NgpÑ g°hp k|Qhu (A\hp k|rQs L$epÆ dyS>b) iL°$ R>°.

AphpÑ NgpÑdpÑ r_Á_rgrMs_° depÆqv$s _l] s° fus° kdprhÙ$ fl°i° (A°) sd_° A\hp sdpfp ‹pfp A\hp sdpfp hsu L$p°C Z k|Q_p, kÑv°$iÏehlpf, X≤$p°X$pD_ rh_Ñsu, k°hp dpV°$ Af∆ A\hp L$p°C Z QyL$hZu_yÑ ıæ$ut_N, ApÑsfhyÑ A_° spk L$fu iL°$ R>°, (bu) cÑX$p°m_u ‚pr‡s_p°

p°s A\hp C[√R>s ‚pr‡sL$spÆ_u spk, (ku) A°QA°kbuku N∞y _p L$b≈dpÑ_u Afie kÑbÑrs dprlsu kp\° N∞plL$ dprlsu ≈°X$spÑ, A_°/ A\hp (X$u) Ïe[ºs L°$ L$Ñ _u_u [ı\rs rhi° dÑS|>f ipk__° Apu_ lp°e L°$ sdpfu Ap°mM A_° v$fS>≈_° kd\Æ_ Aphp hy |R>fR> L$fhu, (C) _pZpL$ue Ny_p r_hpfZ kÑbÑ dpÑ cpfs L°$ rhv°$idpÑ [ı\s lp°e s° AphpÑ A°QA°kbuku N∞y _pÑ L$pepÆgep° kp\° Np° _ue p°fZ° dprlsu_yÑ Apv$p_‚v$p_ L$fhyÑ.

Ahpv$p–dL$ fus° Adpfu _pZpL$ue Ny_p ≈°Md Ïehı\p_ ‚h©r—_° gu° L$p°C Z QyL$hZu, sdpfu k|Q_p_u ‚qæ$ep A\hp k°hp A\hp k°hpAp°_u khÆ L°$ cpNp°dpÑ ≈°NhpC dpV°$ Af∆ L$fhpdpÑ L°$ dÑS|>f L$fhpdpÑ Ad_° rhgÑb, Ahfp° \C iL°$ A\hp _L$pfu iL$uA° R>uA°. L$pev$p_p dÑS|>f dp”pdpÑ Ad° L°$ A°QA°kbuku N∞y _p L$p°C Z Afie kÊe _pZpL$ue Ny_p ≈°Md Ïehı\p_ ‚h©r—_u bpÑefu kp\° kÑbÑ dpÑ kÑ |ZÆ L°$ ApÑriL$dpÑ sdpfp L°$ s©sue

n ‹pfp \e°gp A\hp Dv$ch°gp L$p°C Z _yL$kp_ (‚–en L°$ qfZpdL$pfL$ A_° kudp rh_p, _ap° L°$ ÏepS> krls _yL$kp_ Nd° s° fus° Dv$ch°) kÑbÑ dpÑ sd_° L°$ L$p°C Z s©sue n_° D—fv$peu _l] fl°i°.AdyL$ kÑ≈°Np°dpÑ b°fiL$ gC iL°$ s° NgpÑ\u AdyL$ dprlsu_u ‚qæ$epdpÑ rhgÑb \C iL°$ A\hp r_hpfu iL$pe R>°. Ap\u, b°fiL$ L°$ A°QA°kbuku N∞y _p L$p°C Z kÊe, AphpÑ NgpÑ g°hpepÑ –epf° Ap pfp AÑsNÆs L$p°C Z NgpÑ g°hp_° Apu_ lp°e s° L$p°C Z QyL$hZu_p° kÑv°$i A\hp Afie dprlsu A_° kÑv°$iÏehlpf kÑbÑ u b°fiL$_u ‚Zpgu f_u L$p°C Z dprlsu AphpÑ NgpÑ g°hpe –epf° lp¢Q d°mhpe s° kde° AQ|L$, lpg_u L°$ A-Vy$-X°$V$ L$fpC R>° A°hu L$p°C bpÑefu ApspÑ _\u.

hsÆdp_ pfp_p l°sy dpV°$:

""ArcdyMsp S>hpbv$pfuAp°'' A°V$g° A°QA°kbuku N∞y _yÑ r_Á_rgrMs_yÑ pg_ L$fhp_u S>hpbv$pfu: (A°) L$pev$p L°$ ApÑsffpÙ≤$ue dpNÆv$iÆ_ A_° ApÑsqfL$ _urs L°$ ‚qæ$epAp°, (bu) k—p pk°\u L$p°C Z dpNZu A\hp rh_Ñsu A\hp L$pev$p l°W$m qfp°qVØ$N, qX$ıL$p°Tf L°$ Afie S>hpbv$pfuAp° A_° (ku) Adpfp N∞plL$p°_u Ap°mM_u rhpkplÆsp Adpfp L$pev$p A_ykpf spkhyÑ AphÌeL$ R>°.

""_pZpL$ue Ny_p°'dpÑ kdph°i \pe R>°, d_u gp°fiX$qfÑN, V°$fqfıV$ apC_p[fikÑN, gpÑQ, c∞Ù$pQpf, L$f Qp°fu, R>°sftXu, Apr\ÆL$ L°$ h° pf dÑS|>fuAp°dpÑ Q°X$pÑ A_°/ A\hp Ap dpdgp kÑbÑ dpÑ L$p°C Z L$pev$pAp°_yÑ DÎgÑO_ L$fhp_pÑ L$p°C Z L©$–ep° L°$ ‚epkp°.

13. Cross default and Cross collateralisation

Your default on any other credit facility agreement or arrangement with the Bank or its successors-in-interest or with any of the affiliates or our Group companies, shall be deemed to be a default across all fund based or non-fund based facilities availed of by you with any of our entities.We shall, in the event of such default be entitled to exercise any or all our rights under the security documents executed by you with any of our Group entities.

12. ‡H$Q>rH$aU∑Amn, h_mao ¤mam H$gr r ‡H$ma H$s ghmH$ godmE± Cnb„Y H$amZo Ho$ C‘oÌ go Vrgao nj Ho AH$aUm| H$mo, AmnHo$ ¤mam m H$gr gß w∫$ AmdoXH$/gß~’ JmhH$m| ¤mam ~Zm H$gr deof

gh_V m ‡mYH$aU Ho,$AmnHo$ ImVo H$m ddaU ‡XmZ H$aZo Ho h_mao AYH$ma H$mo ÒdrH$ma H$aVo h¢.∑EMEg~rgr H$mo Ho$S>Q> gyMZm Hß$nZr (dZ_Z) AYZ_, 2005 Ho$ gßX© _| JmhH$ Ho$ gmI AVrV/nwZw©JVmZ AboI go gß~ßYV OmZH$mar HoS>Q> gyMZm Hß$nZm| (deof Vm°a na

Ama~rAmB© ¤mam ‡mYH•$V) H$mo ‡XmZ H$aZo H$s AmdÌH$Vm hmoVr h°; JmhH$ Ho$ XmÀdm| Ho$ Zd©hZ _| JmhH$ ¤mam H$s JB© H$gr yb H$s OmZH$mar ghV, Omo EMEg~rgr ¤mam H$gr d⁄_mZ m dÓ H$s HoS>Q> „yamoµO/Ho$S>Q> ao\$a|goµO EO|gm| Ho$ gmW, O°gm g_ g_ na EMEg~rgr ¤mam ZYm©[aV H$m OmE, CMV Am°a AmdÌH$ g_Pr OmE. Eogr gßÒWmE± AmJo

CgH$s ‡gßÒH•$V OmZH$mar m Am±H$ãS>o m CÀnmXm| H$mo ~¢H$m|/dŒmr gßÒWmZm| Am°a A› G$U ‡XmVmAm| H$mo Cnb„Y H$adm gH$Vr h¢.∑maVr ~¢H$ gßK (AmB©~rE) Ho$ Xem-ZXem| Ho$ AZwgma, h_ maVr ‡VyVH$aU n[agßnŒm nwZZ©_m©U VWm gwajm hV H|$–r nßOrH$aU (grB©AmaEgEAmB©) H$mo AmnHo$ ¤mam ‡m· H$s JB©

Ho$S>Q> gwdYm Ho$ ‡V AmnH$s gßnŒm na h_mao ‡ma go gß~ßYV OmZH$mar ‡XmZ H$aVo h¢. h OmZH$mar grB©AmaEgEAmB© Ho$ gmW gmPm H$s OmEJr O~ VH$ H$ AmnH$m G$U ImVm h_mao gmW n[aMmbZ _| ahVm h°.h_ AmnHo$ G$U H$s g_m· Ho$ 30 XZm| Ho$ rVa grB©AmaEgEAmB© na h_mao ‡mam| H$mo AnßOrH•$V H$a X|Jo.

∑Cg pÒWV _| O~ Amn gßdVaU Ho$ ~mX gr/H$moB© AmdÌH ‡boI, O°gm h_mao ¤mam ZYm©[aV H$m Jm hmo, ‡ÒVwV H$aZo _| Ag\$b ahVo h¢, V~ h_mao nmg G$U H$mo dmng ~wbmZo H m AYH$ma gwajV h°.

∑AmnH$mo IarXr Om ahr gßnŒm H$s H$mZyZr pÒWV na ÒdVßà H$mZyZr gbmh boZm MmhE. Cg pÒWV _| O~ Amn H$mZyZr gbmh Ho$ bE h_mao n°Zb _| em_b dH$sbm| Ho$ nmg nh±MVo h¢, do Eogm CZH$s Òdß H$s _Ou go H$a|Jo Am°a h_ AmnHo$ gmW CZHo$ H$gr r ddmX Ho$ bE µOÂ_oXma Zht R>hamE OmE±Jo.

13. H$m∞g S>µ\$m∞ÎQ> Am°a H$m∞g H$moboQ>abmBµOoeZ

X ~¢H$m| m hVYmaH$ CŒmamYH$m[am| m H$gr r ghmoJr m g_yh H$s Hß$nZmoß Ho$ gmW H$gr A› G$U gwdYm H$ama m ÏdÒWm na AmnH$s MyH$ hmoVr h°, Vmo h h_mao H$gr r gßÒWmZ Ho$gmW AmnHo$ ¤mam ‡m· H$s JB© gr ZY AmYm[aV m J°a-ZY AmYm[aV gwdYmAm| na MyH$ g_Pr OmEJr.h_, Eogr MyH$ H$s pÒWV _| AmnHo$ ¤mam gßnmXV gwajm ‡boIm| Ho$ VhV h_mar g_yh gßÒWmAm| _| go H$gr Ho$ r gmW h_mao H$gr m gr AYH$mam| H$m ‡moJ H$aZo Ho$ bE AYH•$V hm|Jo.

12. qX$ıºgp°TkÆ (‚NV$uL$fZ)

∑sd° p°sp_u L°$ L$p°C Z kÑeyºs AfS>v$pf / A°X$-Ap°_ N∞plL$p° pk°\u L$p°C Z Qp°Ω$k kÑdrs L°$ ArL©$rs rh_p A°QA°kbuku ‹pfp L$p°C Z ‚L$pf_u uW$bm k°hpAp° d°mhhp dpV°$ s©sue n_u kÑı\pAp°_° N∞plL$_p Mpsp_u rhNsp° Aphp dpV°$ A°QA°kbuku_p ArL$pf_° kÑdrs App° R>p°.

∑A°QA°kbuku, s°_p ‹pfp kdepÑsf° _Ω$u L$fpe s° dyS>b L$p°C Z hsÆdp_ L°$ cprh æ°$qX$V$ Âeyfp° / æ°$qX$V$ kÑv$cÆ kÑı\pAp° kp\° A°QA°kbuku_° ep°¡e A_° S>Í$fu gpN° s° dyS>b N∞plL$_u afS> Q|L$hhpdpÑ L$p°C Z L$k|f L$f° s° dprlsu krls æ°$qX$V$ Cfiap°d£i_ LÑ$ _uT (f°¡eyg°i_) A°ºV$ 2005_u ◊rÙ$A° æ°$qX$V$ Cfiap°d£i_ LÑ$ _u (ApfbuApC ‹pfp Mpk ArL©$s)_° N∞plL$_p Dpf / y_:QyL$hZu_p Crslpk kÑbÑ u dprlsu Aphu AphÌeL$ R>°. Aphu kÑı\pAp° b°fiL$p° / _pZpL$ue kÑı\pAp° A_° Afie F>Z Ap_pf_° ‚p°k°k L$f°gu dprlsu L°$ X°$V$p L°$ ‚p°X$ºV$p° Dg L$fphu iL°$ R>°.

∑CqfiX$e_ b°fiºk A°kp°rke°i_ (ApCbuA°)_u dpNÆv$riÆL$p A_ykpf Ad° k°fiV≤$g frS>ıV≤$u Ap°a rkºeyqfV$pCT°i_ A°k°V$ qfL$fiıV≤$L$i_ A°fiX$ rkºeyqfV$u CfiV$f°ıV$ Ap°a C[fiX$ep (kuCApfA°kApC)_° sdpfp ‹pfp Dg æ°$qX$V$ kyrhp kpd° sdpfu rdgL$s f Adpfp v$f kÑbÑ u dprlsu Ad° |fu

pX$uiyÑ. Ap dprlsu sdpfu gp°_ Adpfu pk° fl°i° –epÑ ky u kuCApfA°kA°ApC f ‚v$riÆs \su fl°i°. sdpfu gp°__yÑ ºgp°Tf \ep R>u 30 L$pdL$pS>_p rv$hk_u AÑv$f kuCApfA°kApC f°L$p°XÆ$k A_ykpf Adpfp v$fp°_° Ad° X$u- frS>ıV$f L$fuiyÑ.

∑N∞plL°$ Mfuv$u L$fp_pfu rdgL$s_u L$p_|_u [ı\rs f ıhsÑ” L$p_|_u kgpl g°hu ≈°CA°. ≈° N∞plL$ L$p_|_u kgpl dpV°$ b°fiL$_u °_g_p hL$ug_p° kÑ LÆ$ L$f° sp° s° p°sp_u df∆\u A°hyÑ L$fi° A_° A°QA°kbuku b°fiL$_p Ap °_g_p hL$ug kp\° N∞plL$_° Dv$ch_pfp L$p°C Z rhMhpv$p° dpV°$ A°QA°kbuku S>hpbv$pf _l] fl°i°.

13. æ$p°k qX$ap°ÎV$ A_° æ$p°k L$p°g°V$fgpCT°i_

≈° N∞plL$ A°QA°kbuku kp\° L$p°C Z Afie F>Z kyrhp L$fpf L°$ Ïehı\p L°$ s°_u rlsdpÑ kdphqX$ep kp\° L°$ A°QA°kbuku N∞y _u LÑ$ _uAp° kp\° L$p°C Z kÑgr¡_sp° kp\° L$k|f L$f° sp° A°QA°kbuku_u L$p°C Z LÑ$ _uAp° pk°\u N∞plL$ ‹pfp Dg L$f°gu sdpd aÑX$ Appqfs L°$ rb_ aÑX$ Appqfs

kyrhpAp°dpÑ L$k|f L$ep£ NZpi°.

A°QA°kbuku Aphp L$k|f_p qL$ıkpdpÑ L$p°C Z A°QA°kbuku N∞y _u LÑ$ _uAp° kp\° N∞plL$ ‹pfp Adg L$fpsp rkºeyqfV$u v$ısph°≈° l°W$m s°_p L$p°C Z L°$ sdpd ArL$pfp°_p° Dep°N L$fhp_p° ArL$pf fph° R>°.

12. Disclosures

• You acknowledge our right to provide details of your account to third party agencies for the purpose of availing support services of any nature by us, without any specific consent or authorisation from you or any joint applicants/add-on customers

• HSBC is required to provide information relating to credit history/repayment record of the customer to a credit information company (specifically authorised by RBI), in terms of the Credit Information Companies (Regulation) Act, 2005; including information relating to any default committed by the customer in discharge of the customer's obligation, as HSBC may deem appropriate and necessary, with any existing or future credit bureaus/credit reference agencies as determined by HSBC from time to time. Such entities may further make available processed information or data or products thereof to banks/ financial institutions and other credit grantors

• We have right to recall the loan in the event of you failing to submit all/any post disbursal documents as prescribed by us• You should seek independent legal advice on the legal status of property being purchased. In case you approach our empanelled lawyer for legal advice, they will do so on their own volition and we shall not be held liable for any disputes that you may have with them

• As per Indian Banks Association (IBA) guidelines, we provide information related to our charge on your property against the credit facility availed by you, to the Central Registry of Securitisation Asset Reconstruction and Security Interest of India (CERSAI). The information would reflect with CERSAI till your loan account is operational with us. We will de-register our charge on CERSAI records within 30 working days of your loan closure.

14. Tax Representation

14. H$a ‡VZYÀdEMEg~rgrAmn H$gr r XmÀd H$mo nyam H$aZo Ho$ bE OÂ_oXma h¢ Omo ~J°a gr_m, gr Am, _yb bm, gßnŒm Am°a ygßnŒm ewÎH$, ÒQ>mßn ewÎH$, godm ewÎH$, _yÎ dY©V H$a Am°a A› H$moB© bmJy H$a ghV gr gßX©V H$am| Ho$ gß~ßY _| Am°a wJVmZ _| ‡Vbm XO© H$amZo ([aQ>Z© \$mBb H$aZo)m A› AmdÌH$ ‡boIZ H$aZo Ho$ gmnoj AmnHo$ bE hmo gH$Vm h°. AmnHo$ ImVo H$m [Z_m©U Am°a ZaßVa n[aMmbZ Am°a/m Eogo ImVo _| Zdoem| m gßnŒmm| H$m AYJhU, O_m m ZnQ>mZ Ho$ gmW hr gmW ImVo Ho$ gßMmbZ _| XoIr JB© H$moB© Am, dVaU m hmZm| Ho$ bE AmnH$mo H$a n[aUm_m| H$m gm_Zm H$aZm nãS>gH$Vm h°, Omo H$B© Vœm| na Z©a H$aVo h¢, OZ_| AmnH$m bmJy Zdmgr, AmnH$m Zdmg H$m ÒWmZ, AmnH$s ZmJ[aH$Vm m AmnHo$ ImVo _| gßnŒm H$m ‡H$ma em_b h¢, na o B›ht VH$ gr_V Zht h¢. Hw$N> Xoem| _| AmnHo$ Zdmg ÒWmZ, Zdmg m ZmJ[aH$Vm na ‹mZ XE ~J°a, AnaXoer ‡md Ho$ gmW H$a H$mZyZ hmo gH$Vo h¢. ~¢H$ H$moB© H$mZyZr m H$a gß~ßYr gbmh Zht XoVm Am°a AmnH$mo H$gr ÒdVßà H$mZyZr Am°a/m H$a nam_e©XmVm go H$mZyZr Am°a/m H$a nam_e© boZm MmhE. Amn ÒdrH$ma H$aVo h¢ Am°a gh_V XoVo h¢ H$ AmnHo$ H$gr r H$a XmÀd Ho$ gß~ßY _| Am°a/m Vrgao nj ¤mam ‡XmZ H$E JE H$gr H$mZyZr Am°a/m H$a nam_e© Ho$ bE ~¢H$ H$s H$moB© Xo Vm Zht h°.

14. L$f Apg°M_

b°fiL$ A_sd° L$p°C Z depÆv$p rh_p, sdpd AphL$, d|X$u gpcp°, kÑ r— A_° rdgL$s h°fpAp°, ıV°$Á X$ÈyV$u, k°hp L$f, d|Îe hrÆs L$f A_° L$p°C Z Afie gpNy L$fp° krls sdpd kykÑNs L$fp°_u QyL$hZu A_° s° kÑbÑ dpÑ Afie AphÌeL$ v$ısph°∆L$fZ A\hp qfV$fikÆ apCg L$fhp kÑbÑ dpÑ sdpfu lp°C iL°$ s° L$p°C Z S>hpbv$pfu qf|ZÆ L$fhp_u sdpfu afS> R>°. sdpfyÑ MpsyÑ r_dpÆZ L$fhyÑ A_° L$pdNufu Qpgy fpMhu A_°/ A\hp Aphp MpspdpÑ fp°L$pZp° L°$ AıL$epdsp° lısNs, fphhu L°$ r_L$pg L$fhp° s°d S> Mpsp_u L$pdNufu kÑbÑ dpÑ L$p°C Z AphL$, rhsfZ L°$ \e°gyÑ _yL$kp__° gu° sdpfyÑ gpNy X$p°rdkpCg, sdpfyÑ r_hpk ı\m, sdpfyÑ _pNqfL$–h A\hp sdpfp MpspdpÑ sd° fphsp lp° s° AıL$epdsp°_p ‚L$pf_° depÆqv$s _l] s°_p krls OZpÑ bpÑ qfbmp°_° Appf° L$f qfZpdp° sd_° cp°Nhhp_p fl°i°. AdyL$ v°$ip°dpÑ sdpfyÑ X$p°rdkpCg, r_hpk L°$ _pNqfL$–h_yÑ ı\m Nd° s° lp°e sp° Z ‚v$°ip°—f Akf kp\° L$f pfp fphu iL°$ R>°. b°fiL$ L$p°C L$p_|_u L°$ L$f kgpl Apsu _\u A_° sdpf° ıhsÑ” L$p_|_u A_°/ L$f kgplL$pf pk°\u L$p_|_u A_°/ A\hp L$f kgpl g°hu ≈°CA°. sd° lp¢Q A_° kÑds App° R>p° L°$ b°fiL$_u sdpfu L$f S>hpbv$pfuAp° A_°/ A\hp s©sue np° ‹pfp sd_° ApC lp°e s°hu L$p°C Z L$p_|_u A_°/A\hp L$f kgpl kÑbÑ dpÑ b°fiL$ S>hpbv$pf _\u.

You are responsible for fulfilling any obligation that you may have with respect to the filing of returns or other required documentation in respect of and the payment of all relevant taxes, including, without limitation, all income, capital gains, wealth and estate duties, stamp duties, service tax, value added tax and any other applicable taxes. The creation and continued operation of your account and/or the acquisition, holding or disposal of investments or assets in such account, as well as any income, distributions or losses realized in relation to the operation of the account may expose you to tax consequences depending on a number of factors including, but not limited to, your applicable domicile, your place of residence, your citizenship or the type of assets you hold in your account. Certain countries may have tax legislation with extraterritorial effect regardless of your place of domicile, residence or citizenship. The Bank does not provide any legal or tax advice and you should seek legal and/or tax advice from an independent legal and/or tax adviser. You acknowledge and agree that the Bank has no liability in respect of any of your tax obligations and/ or any legal and/or tax advice provided to you by third parties.

15. Smart Home/SmartLAP EMI calculation

Equated Monthly Instalment (EMI) means the amount of monthly payment consisting of principal and interest necessary to amortise the Smart Home Credit Facility amount/Smart Loan Against Property Credit Facility amount with applicable interest within such period as may be determined by the Bank from time to time. The EMI of your loan is calculated based on 372 days in a year.The interest will be computed on the outstanding ledger balance on a monthly basis based on the actual number of days. The principal amount will be the difference between the EMI and the interest amount calculated for the month.

15. Ò_mQ>© hmo_/Ò_mQ>© EbEnr B©E_AmB© JUZmg_mZV _mgH$ H$ÌV (B©E_AmB©)> H$m VmÀn© _mgH$ wJVmZ H$s dh ame h° Og_| _yb Am°a Ò_mQ>© hmo_ Ho$S>Q> \o$gbQ>r ame/bmJy „mO Ho$ gmW Ò_mQ>© bmoZ AJ|ÒQ> ‡m∞nQ>u Ho$S>Q> \o$gbQ>r ame gß~ßYr G$U MwH$mZo Ho$ bE AmdÌH$ „mO gpÂ_bV h°, Cg AdY Ho$ rVa, Omo H$ g_-g_ na ~¢H$ ¤mam ZYm©[aV H$s OmVr h°. AmnHo$ G$U H$s B©E_AmB© H$s JUZm EH$ df© _o 372 XZm| Ho$ AmYma na H$s OmVr h°.„mO H$s JUZm XZm| H$s dmÒVdH$ gߪm Ho$ AmYma na _mgH$ AmYma na ~H$mm boOa ~°b|g na H$s OmEJr. _yb YZ B©E_AmB© Am°a _hrZo Ho$ bE n[aH$bV „mO ame Ho$ ~rM H$m AßVa hmoJm.

15. ıdpVÆ$ lp°d/ ıdpVÆ$ A°gA° u CA°dApC NZsfu

Cºh°V°$X$ dÑ\gu CfiıV$p°gd°fiV$ (CA°dApC- A°L$kdp_ dprkL$ l‡sp)_p° A\Æ b°fiL$ ‹pfp kdepÑsf° r_rÚs L$fpC iL°$ s° dyS>b Aphp kdeNpmpdpÑ gpNy ÏepS> kp\° ıdpVÆ$ lp°d æ°$qX$V$ a°rkrgV$u fL$d/ ıdpVÆ$ gp°_ AN°CfiıV$ ‚p° V$æ°$qX$V$ a°rkrgV$u fL$d_° Adp°V$pÆCT L$fhyÑ S>Í$fu d|m fL$d A_° ÏepS>_p° kdph°i

fphsu dprkL$ QyL$hZu_u fL$d A°hp° \pe R>°. sdpfu gp°__u CA°dApC hjÆdpÑ 372 qv$hk_p p°fZ° NZsfu L$fpi°. ÏepS> qv$hkp°_u hpısrhL$ kÑøep_° Appf° dprkL$ p°fZ° ApDV$ıV°$tfiXN g°S>f b°g°fik f NZsfu L$fpi°. d|m fL$d drl_p dpV°$ NZsfu L$fpsp CA°dApC A_° ÏepS>_u fL$d h√Q°_p° saphs fl°i°.

16. Change of address

You need to notify the Bank regarding change of residential address due to relocation or any other reason and you need to intimate the new address to the Bank within two weeks of such a change.

16. nVo _| n[adV©ZAmnH$mo ÒWmZ n[adV©Z m H$gr A› H$maU go Amdmgr nVo Ho$ n[adV©Z Ho ~mao _| ~¢H$ H$mo gyMV H$aZo H$s AmdÌH$Vm hmoVr h° Am°a Bg ‡H$ma Ho$ H$gr n[adV©Z Ho$ Xmo g·mhm| Ho$ rVa AmnH$mo ~¢H$ H$mo ZE nVo H$s gyMZm XoZr hmoJr.

16. kf_pdyÑ bv$gu

sdpf° ı\m bv$ghp_° gu° A\hp L$p°C Z Afie L$pfZkf r_hpku kf_pdyÑ bv$gu L$fhu kÑbÑ dpÑ b°fiL$_° ≈Z L$fhyÑ S>Í$fu R>° A_° Aphp a°fapf_p kÑ≈°Np°dpÑ b° k‡spldpÑ b°fiL$_° _hp kf_pdp_u ≈Z L$fhu S>Í$fu R>°.

17. Foreign Exchange Management Act, 1999 (FEMA) guidelines for non-resident Indians

Loans disbursed to you should not be utilised for any of the activities listed herewith; the business of chit fund, or nidhi company , or agricultural or plantation activities or in real estate business, or construction of farm houses; or trading in Transferable Development Rights (TDRs) investment in capital market including margin trading and derivatives.

You are required to ensure that the loan amount disbursed to you is not remitted outside India. You should also ensure that the loan disbursed to you is not credited into your NRE/FCNR (B) accounts.

You are required to note that the repayment of loans can be only made by the below mentioned modes:

• Home Loans / Smart Home – NRE/NRO/Inward remittance/Relatives bank account

• Loan against property (LAP) / Smart LAP – NRE/NRO/Inward remittance.

17. dXoer _w–m ‡~ßYZ AYZ_, 1999 (\o$_m) A‡dmgr maVrm| Ho$ bE Xem-ZXe

AmnH$mo dV[aV H$m Jm G$U BgHo$ gmW gyMr~’ H$gr JVdY Ho$ bE CnmoJ Zht H$m OmZm MmhE; MQ> \ß$S> Ïdgm, m ZY Hß$nZr, m H•$f m ~mJdmZr JVdYm± m AMb gßnŒm Ïmnma m \$m_© hmCgm| Ho$ Z_m©U; m ny±Or ~mOma _| Q¥>mßg\$ao~b S>odbn_|Q> amBQ≤>g (Q>rS>rAma) Zdoe _| Ïmnma, Og_| _mO©Z Q¥>oqS>J Am°a S>o[adoQ>d em_b h°.

AmnH$mo h gwZpÌMV H$aZo H$s AmdÌH$Vm h° H$ AmnH$mo dV[aV H$s JB© G$U ame AmnHo$ EZAmaB©/E\$grEZAma (~r) ImVm| _| O_m Zht H$m Jm h°.

AmnH$mo ‹mZ XoZo H$s OÍ$aV h° H$ G$Um| H$m nwZ©wJVmZ g\©$ ZÂZmßH$V VarH$m| go hr H$m Om gH$Vm h° :

∑J•h G$U/Ò_mQ>© hmo_ - EZAmaB©/EZAmaAmo/AmdH$ d‡ofU/[aÌVoXmam| H$m ~¢H$ ImVm

∑gßnŒm Ho$ dÈ’ G$U (EbEnr)/Ò_mQ>© EbEnr - EZAmaB©/EZAmaAmo/AmdH$ d‡ofU

17. rb_r_hpku cpfsuep° dpV°$ ap°f°_ A°ºkQ°fiS> d°_°S>d°fiV$ A°ºV$ 1999 (A°CA°dA°) dpNÆv$riÆL$psd_° Ape°gu gp°_ rQV$ aÑX$_p° h° pf L°$ r_r LÑ$ _u L°$ L©$rj L°$ h©npfp° Z ‚h©r— L°$ qfeg A°ıV°$V$_p Ñ pdpÑ L°$ apdÆ lpDk_p bpÑ L$pddpÑ A\hp dprS>Æ_ V≤°$qXÑ$N A_° X°$qfh°qV$ÏT krls d|X$u b≈fdpÑ V≤$pfikaf°bg X°$hgd°fiV$ fpCVπ$k (V$uX$uApf)dpÑ V≤°$qXÑ$N krls Al] Ap°gu epv$udpÑ\u L$p°C Z ‚h©r— dpV°$ Dep°N _ L$fip°.sd_° rhsfZ L$fhpdpÑ Aph°gu gp°_ sd° cpfs blpf _l] dp°L$gp° s°_u Mpsfu Aphu AphÌeL$ R>°. sdpf° A° Z Mpsfu fpMhu ≈°CA° L°$ sd_° rhsfZ L$fpe°gu gp°_ sdpfp A°_ApfC / A°akuA°_Apf (bu) MpspdpÑ S>dp _l] L$fpi°.sd_° A° _p¢ L$fhp_u rh_Ñsu R>° L°$ gp°__u y_:QyL$hZu aºs r_Á_rgrMs dp›edp°\u S> L$fu iL$pi°:

lp°d gp°_ / ıdpVÆ$ lp°d- A°_ApfC / A°_ApfAp° / CfihXÆ$ f°rdV$fik / kÑbÑ u_yÑ b°fiL$ MpsyÑgp°_ AN°CfiıV$ ‚p° V$ (A°gA° u) / ıdpVÆ$ A°gA° u- A°_ApfC / A°_ApfAp° / CfihXÆ$ f°rdV$fik.

∑

∑

18. General points

You should read this application form and the loan facility related documents and the loan agreement carefully; understand its contents before signing them. You should seek legal advice from your lawyers to ensure that you understand the contents, your obligations and the full consequences of signing it.These terms and conditions and those pertaining to any services provided by the Bank may, at the Bank's sole discretion, be changed from time to time upon giving the accountholder prior notice by way of display in the Bank's premises or by such other method as the Bank may decide.If the accountholder does not close the account or cancel the services prior to the expiry of the notice period, the accountholder shall be deemed to have agreed to such change.

18. gm_m› ~›XAmnH$mo gmdYmZrnyd©H$ h AmdoXZ ‡nà Am°a G$U gwdYm go gß~ßYV ‡boIm| d G$U AZw~ßY H$mo nãT>Zm MmhE ; BZ na hÒVmja H$aZo Ho$ nyd© Bg_oß ZhV gm_Jr H$mo g_P|o. AmnH$mo h gwZpÌMV H$aZo Ho$ bE AnZo dH$sb go H$mZyZr gbmh boZm MmhE, H$ Amn ZhV gm_Jr, AmnHo$ XmÀdm| Am°a Bg na hÒVmja H$aZo Ho$ nyao n[aUm_m| H$mo g_PVo h¢.o Z_ Am°a eV] Am°a do ~mV| Omo ~¢H$ ¤mam ‡XŒm H$gr godmAm| go gß~’ hmo, do ~¢H$ Ho$ Òdß Ho$ ddoH$ na g_-g_ na ImVmYmaH$m| H$mo ~¢H$ dZ _| hr nyd© gyMZm ‡Xe©V H$a m Bg Vah Ho$ A›

VarH$moß go Og na ~¢H$ ZU© bo gH$Vm h°, n[adV©V H$s Om gH$Vr h°.X ImVmYmaH$ gyMZm H$s AdY Ho g_m· hmoZo Ho$ nyd© ImVm ~ßX Zht H$aVm h° m godmAm| H$mo ZaÒV Zht H$aVm h°, V~ h g_Pm OmEJm H$ ImVmYmaH$ Eogo n[adV©Z Ho$ bE gh_V h°.

18. kpdpfie dyÿpAp°:

sdpf° Ap Af∆ ”L$ A_° gp°_ kyrhp kÑbÑ u v$ısph°≈° A_° gp°_ L$fpf L$pm∆|hÆL$ hpÑQhp ≈°CA° A_° s°_u f klu L$fsp l°gp s°dpÑ_p dyÿpAp° kd∆ g°hp ≈°CA°. sd° dyÿpAp°, sdpfu S>hpbv$pfuAp° A_° klu L$fhp_pÑ A°LÑ$v$f qfZpdp° rhi° sdpfp hL$ug pk°\u L$p_|_u kgpl gC iL$p° R>p°.

Ap r_edp° A_° ifsp° A_° b°fiL$ ‹pfp |fu X$psu L$p°C Z k°hpAp° b°fiL$_u A°L$d°h df∆A° b°fiL$_p kÑLy$gdpÑ ‚v$riÆs L$fu_° A\hp b°fiL$ _Ω$u L$f° s° Aphu Afie Ÿrs ‹pfp MpsppfL$_° |hÆk|Q_p Apu_° kdepÑsf° bv$gu L$fpC iL°$ R>°.

≈° MpsppfL$ k|Q_p_p° kdeNpmp° |fp° \ep l°gp MpsyÑ bÑ _l] L$f° L°$ k°hpAp° fv$bpsg _l] L$f° sp° MpsppfL$ Aphp a°fapf_° kÑds lp°hp_yÑ NZhpdpÑ Aphi°.

Title / / nXdriujÆL$

Name / /Zm_

Gender and Date of birthqbJ Am°a O›_ VmarIg]N A_° S>fidspfuM

Country of birth /

/O›_ hAm S>fid_p° v°$i

PAN no./GIR no. / /

nZ° Z.ß /OrAmBA© ma Z.ß _• _.Ñ / ∆ApCApf _.Ñ

Multiple nationalityEH$mYH$ amÔ>¥rVmblz _pNqfL$–h

Nationality / /amÔ>¥rVmfpÙ$≤uesp

Nationality 2 / / amÔ>¥rVm 2fpÙ$≤uesp 2

Nationality 3 / / amÔ>¥rVm 3fpÙ$≤uesp 3

Resident status / Amdmgr ÒWVr_hpku [ı\rs

/

TELL US ABOUT YOURSELF / / h_oß AnZo ~mao _| ~VmEß

9nyd©/A› Zm_9ANpD_yÑ/ Afie _pd

\$moQ>mo AmB©S>r XÒVmdoO H$m ‡H$maap°V$p° ApCX$u v$ısph°S>_p° ‚L$pf

\$moQ>mo AmB©S>|Q>\$Ho$eZ Zß.ap°V$p° ApCX°$[fiV$qaL°$i_ _Ñ.

AmlVm| H$s gߪmAprÓsp°_u kÑøep

Amdmg/Òdm_Àd AYH$mar_hpku fl°W$pZ/dprgL$u

nÃmMma H$m nVm”Ïehlpf kf_pdyÑ

dV©_mZ Amdmgr nVmhsÆdp_ r_hpku kf_pdyÑ

AmdoXH$ AfS>v$pf gh-AmdoXH$kl-AfS>v$pf

Ad_° sdpfp rhi° ≈ZL$pfu App°

_pd

Xoe Ohm±

Yes / / hm± lp No / /Zht_p

Affixpassport sizephotograph

here and signacross

nwÈf _hbm

VmarI

yfyj u

spfuM

Amdmgr nVm

H$mm©brZ nVm

r_hpku kf_pdyÑ

Ap°qak_yÑ kf_pdyÑ

A›

Hß$nZr ¤mam Xm hAm

IwX H$m

_m∞J¡S>

H$amE na

_mVm-nVm/ [aÌVoXma H$m

Afiep°

LÑ$ _uA° Ap°gy

ıh-dprgL$u_yÑ

dp°VÆ$N°S> L$f°gyÑ

cpX$p_yÑ

hpgu/kÑbÑ uAp°

Company provided /

Self-owned /

Mortgaged /

Rented /

Parents/Relatives /

Others /

House/Flat/Apt. no. and name / Ka/‚bQ° >/EnmQ>.© Z.ß Ama° Zm_/Of/„g°V$/A° pVÆ$. _Ñ. A_° _pd __________________________________Street name and no. and area/location / Jbr m amSo > H$m Zm_ Ama° Z.ßAm°a joÃ/bmoHo$eZ/ Ngu_yÑ _pd A_° _Ñ. A_° rhıspf / ı\m____________________________________________________________Landmark / / bS¢ >_mH$© kudprQl______________________________________________________________

City and State / / eha Ama° am¡ilf° A_° fpƒe_____________________________________________________________

Country / / Xeo v$°i

Pin code / / nZ H$mSo > r_ L$pX° $

Duration at current address / / dV_© mZ nVo na ahZo H$s AdYlpg_° kf_pd° _______ years / / ________ df© hjÆ A_° months / _mhdrl_p\u hkhpV$ R>.° /

At this address since / / Bg nVo na H$~ go h¢ :Ap kf_pd° ______________ (dd/mm/yyyy) / / (XZ/_mh/df© ) go \u (spfuM/drl_p° /hj)Æ

nN>bo nVo na ahZo H$s AdYNs kf_pdp_u dyv$s df© _mhhjÆ drl_pDuration at previous address /

years / months /

lr

lr_VrHw$_mar

S>m∞.A›Afiep°

Óu

ÓudsuLy$.

X$p°.

Mr./

Dr./Others/

Mrs./Ms./

nhbm/‚\dFirst/_‹/hQgyÑMiddle/

AßV_R>°ÎgyÑLast/

XZ/_mg/df© qv$qv$/dd/hhhhDD/MM/YYYY

______________

_______________________________

_______________________

_____________________________________________

______________________________________

Yes / / hm± lp No / /Zht_p

Affixpassport sizephotograph

here and signacross

nwÈf _hbm

VmarI

yfyj u

spfuM

Amdmgr nVm

H$mm©brZ nVm

r_hpku kf_pdyÑ

Ap°qak_yÑ kf_pdyÑ

A›

Hß$nZr ¤mam Xm hAm

IwX H$m

_m∞J¡S>

H$amE na

_mVm-nVm/ [aÌVoXma H$m

Afiep°

LÑ$ _uA° Ap°gy

ıh-dprgL$u_yÑ

dp°VÆ$N°S> L$f°gyÑ

cpX$p_yÑ

hpgu/kÑbÑ uAp°

Company provided /

Self-owned /

Mortgaged /

Rented /

Parents/Relatives /

Others /

House/Flat/Apt. no. and name / Ka/‚bQ° >/EnmQ>.© Z.ß Ama° Zm_/Of/„g°V$/A° pVÆ$. _Ñ. A_° _pd __________________________________Street name and no. and area/location / Jbr m amSo > H$m Zm_ Ama° Z.ßAm°a joÃ/bmoHo$eZ/ Ngu_yÑ _pd A_° _Ñ. A_° rhıspf / ı\m____________________________________________________________Landmark / / bS¢ >_mH$© kudprQl______________________________________________________________

City and State / / eha Ama° am¡ilf° A_° fpƒe_____________________________________________________________

Country / / Xeo v$°i

Pin code / / nZ H$mSo > r_ L$pX° $

Duration at current address / / dV_© mZ nVo na ahZo H$s AdYlpg_° kf_pd° _______ years / / ________ df© hjÆ A_° months / _mhdrl_p\u hkhpV$ R>.° /

At this address since / / Bg nVo na H$~ go h¢ :Ap kf_pd° ______________ (dd/mm/yyyy) / / (XZ/_mh/df© ) go \u (spfuM/drl_p° /hj)Æ

nN>bo nVo na ahZo H$s AdYNs kf_pdp_u dyv$s df© _mhhjÆ drl_pDuration at previous address /

years / months /

lr

lr_VrHw$_mar

S>m∞.A›Afiep°

Óu

ÓudsuLy$.

X$p°.

Mr./

Dr./Others/

Mrs./Ms./

nhbm/‚\dFirst/_‹/hQgyÑMiddle/

AßV_R>°ÎgyÑLast/

XZ/_mg/df© qv$qv$/dd/hhhhDD/MM/YYYY

______________

_______________________________

_______________________

_____________________________________________

______________________________________

Previous address (if resident at current address for less than 3 years)nN>bm nVm (X dV_© mZ nVo na 3 df© go H$_ g_ H$o bE Zdmg H$a aho h)¢Ns kf_pdp_u dvy $s(≈° 3 hj\Æ u ApR° >p kde dpV$° hsdÆ p_ kf_pd° fls° p lp)°

9Applicant/Co-applicant is required to provide the supporting documents in case of having 'former' or 'other' names.9 ndy © Zm_∫w $ AmdXo H$/gh-AmdXo H$ H$mo ghmH$ XÒVmdOo XZo o hmJ| .o

9AfS>v$pf/ kl- AfS>v$pf° "ANpD' A\hp "Afie' _pdp° fphhp_p qL$ıkpdpÑ kd\_Æ Apsp v$ısph≈° ° f| p pX$hp AphÌeL$ R>.°

Permanent address (Applicable for NRI)ÒWmr nVm(EZAmaAmB© H$o bE bmJ)y

L$pedu kf_pdÑ y(A_° ApfApC dpV$° gpN)y

TELL US ABOUT YOUR JOB/PROFESSION/OCCUPATION

g Salaried doVZmoJr

_p°L$qfeps

h_oß AnZo H$m_H$mO/noeo/Ïdgm Ho$ ~mao _| ~VmEßAd_° sdpfu _p°L$fu/Ñ p / Ïehkpe rhi° ≈ZL$pfu App°

AmdoXH$AfS>v$pfAPPLICANT

gßnH©$ ddaUkÑ LÆ$ rhNsp°

Contact details

d°dmhH$ pÒWVh•hprlL$ [ı\rsMarital status /

e°j[UH$ moΩVmi•nrZL$ p”sp

Educational qualifications

kl-AfS>v$pfAPPLICANT/gh-AmdXo H$

Signature of the applicant Relationship with applicant Signature of the co-applicantAmdXo H$ H$o hÒVmja AmdXo H$ H$o gmW [abeo Zen gh-AmdoXH$ Ho$ hÒVmja

AßS>a J°OwEQ>

J°OwEQ>nmoÒQ> J°OwEQ>

‡mo\o$eZbV•Vr (S>flbmo_m)

A›

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N∞°ƒeyA°V$p°ıV$ N∞°ƒeyA°V$

ÏephkpreL$V$qVÆ$efu (qX$‡gp°dp)

Afiep°

Under graduate /

Graduate /

Post graduate /

Professional /

Tertiary (diploma) /

Others /

ddmhV AddmhVh•hprlL $A°L$gMarried / Single /

nX

grZa _°ZoO_|Q>

_S>b _°ZoO_|Q

OyZa _°ZoO_|Q>

Am∞\$ga

ä b°[aH b>

H$m©nX

Amn H$gHo$ bE H$m_

gaH$ma

np„bH$ b. Hß$.

np„bH$ goä Q>a

‡m. b. Hß$.

E_EZgr

nmQ>©Zaen/‡mo‡mQ>aen

A›

H$aVo h¢lp°ÿp°

rkr_ef d°_°S>d°fiV$

rdX$g d°_°S>d°fiV$

Sy>r_ef d°_°S>d°fiVAp°qakf

ºg°qfL$g

šb V$pCV$g

sd° S>°_° dpV°$ L$pd L$fp° R>p°

kfL$pf

$ [ÂgL$ k°ºV$f

cpNuv$pfu/ dprgL$u

Afiep°

A°dA°_ku

‚p. rg. LÑ$.

[ÂgL$ rg. LÑ$.

Designation / You work for

Senior management /

Middle management /

Junior management /

Officer

Clerical /

Job title /

Government /

Public Ltd. Co. /

Public Sector /

Pvt. Ltd. Co./

MNC /

Partnership/Proprietorship /

Others /

nX

grZa _°ZoO_|Q>

_S>b _°ZoO_|Q

OyZa _°ZoO_|Q>

Am∞\$ga

ä b°[aH b>

H$m©nX

Amn H$gHo$ bE H$m_

gaH$ma

np„bH$ b. Hß$.

np„bH$ goä Q>a

‡m. b. Hß$.

E_EZgr

nmQ>©Zaen/‡mo‡mQ>aen

A›

H$aVo h¢lp°ÿp°

rkr_ef d°_°S>d°fiV$

rdX$g d°_°S>d°fiV$

Sy>r_ef d°_°S>d°fiVAp°qakf

ºg°qfL$g

šb V$pCV$g

sd° S>°_° dpV°$ L$pd L$fp° R>p°

kfL$pf

$ [ÂgL$ k°ºV$f

cpNuv$pfu/ dprgL$u

Afiep°

A°dA°_ku

‚p. rg. LÑ$.

[ÂgL$ rg. LÑ$.

Designation / You work for

Senior management /

Middle management /

Junior management /

Officer

Clerical /

Job title /

Government /

Public Ltd. Co. /

Public Sector /

Pvt. Ltd. Co./

MNC /

Partnership/Proprietorship /

Others /

Amdmgr Q>ob\$moZ Zß.

_mo~mBbEgQ>rS>r H$moS Zß~g©

r_hpku ap°_ _Ñ.

dp°bpCgA°kV$uX$u L$p°X$ _Ñbf(kÆ)

B©-_obC-d°Cg

Mobile /

Residence tel. no. /

E-mail /

STD code / Number(s) /

Amdmgr Q>ob\$moZ Zß.

_mo~mBbEgQ>rS>r H$moS Zß~g©

r_hpku ap°_ _Ñ.

dp°bpCgA°kV$uX$u L$p°X$ _Ñbf(kÆ)

B©-_obC-d°Cg

Mobile /

Residence tel. no. /

E-mail /

STD code / Number(s) /

AßS>a J°OwEQ>

J°OwEQ>nmoÒQ> J°OwEQ>

‡mo\o$eZbV•Vr (S>flbmo_m)

A›

AÑX$f N∞°ƒeyA°V$

N∞°ƒeyA°V$p°ıV$ N∞°ƒeyA°V$

ÏephkpreL$V$qVÆ$efu (qX$‡gp°dp)

Afiep°

Under graduate /

Graduate /

Post graduate /

Professional /

Tertiary (diploma) /

Others /

ddmhV AddmhVh•hprlL $A°L$gMarried / Single /

AfS>v$pf_u klu AfS>v$pf_u kp\° kÑbÑ^ kl-AfS>v$pf_u klu

House/Flat/Apt. no. and name / Ka/‚bQ° >/EnmQ>.© Z.ß Ama° Zm_/Of/„g°V$/A° pVÆ$. _Ñ. A_° _pdStreet name and no. and area/location / Jbr m amSo > H$m Zm_ Ama° Z.ßAm°a joÃ/bmoHo$eZ / Ngu_yÑ _pd A_° _Ñ. A_° rhıspf / ı\m_____________________________________________________________Landmark / / bS¢ >_mH$© kudprQl_

City and State / / eha Ama° am¡ilf° A_° fpƒe

Country / / Xeo v$°i

Pin code / / nZ H$mSo > r_ L$pX° $

__________________________________

______________

________________________________________________________________________________________

____________________________________________________________________________________

______________________________________________

House/Flat/Apt. no. and name / Ka/‚bQ° >/EnmQ>.© Z.ß Ama° Zm_/Of/„g°V$/A° pVÆ$. _Ñ. A_° _pdStreet name and no. and area/location / Jbr m amSo > H$m Zm_ Ama° Z.ßAm°a joÃ/bmoHo$eZ / Ngu_yÑ _pd A_° _Ñ. A_° rhıspf / ı\m_____________________________________________________________Landmark / / bS¢ >_mH$© kudprQl_

City and State / / eha Ama° am¡ilf° A_° fpƒe

Country / / Xeo v$°i

Pin code / / nZ H$mSo > r_ L$pX° $

__________________________________

______________

________________________________________________________________________________________

____________________________________________________________________________________

______________________________________________

House/Flat/Apt. no. and name / Ka/‚bQ° >/EnmQ>.© Z.ß Ama° Zm_/Of/„g°V$/A° pVÆ$. _Ñ. A_° _pdStreet name and no. and area/location / Jbr m amSo > H$m Zm_ Ama° Z.ßAm°a joÃ/bmoHo$eZ / Ngu_yÑ _pd A_° _Ñ. A_° rhıspf / ı\m_____________________________________________________________Landmark / / bS¢ >_mH$© kudprQl_

City and State / / eha Ama° am¡ilf° A_° fpƒe

Country / / Xeo v$°i

Pin code / / nZ H$mSo > r_ L$pX° $

__________________________________

______________

________________________________________________________________________________________

____________________________________________________________________________________

______________________________________________

House/Flat/Apt. no. and name / Ka/‚bQ° >/EnmQ>.© Z.ß Ama° Zm_/Of/„g°V$/A° pVÆ$. _Ñ. A_° _pdStreet name and no. and area/location / Jbr m amSo > H$m Zm_ Ama° Z.ßAm°a joÃ/bmoHo$eZ / Ngu_yÑ _pd A_° _Ñ. A_° rhıspf / ı\m_____________________________________________________________Landmark / / bS¢ >_mH$© kudprQl_

City and State / / eha Ama° am¡ilf° A_° fpƒe

Country / / Xeo v$°i

Pin code / / nZ H$mSo > r_ L$pX° $

__________________________________

______________

________________________________________________________________________________________

____________________________________________________________________________________

______________________________________________

g

Self-employed

g Others A› Afiep°

HSBC RELATIONSHIP / / EMEg~rgr [aboeZen A°QA°kbuku kp\° kÑbÑ^

Òd-amoOJmaıh-fp°S>Npf

H$mm©b nVmAp°qak_yÑ kf_pdyÑ

Office address /

gßnH©$ ddaUkÑ LÆ$ rhNsp°

Contact details /

Am H$m ddaUAphL$_u rhNsp°

Income details /

Signature of the applicant

AmdXo H$ H$o hÒVmja gh-AmdoXH$ Ho$ hÒVmja

Your ?rm is Profession AmnH$s gßÒWm h° noem Ïehkpe R>° Ïehkpe R>°

Proprietorship CA‡mo‡mQ>aen grEdprgL$u kuA°

Journalist PartnershipnÃH$ma nmQ>©Zaen

”L$pf cpNuv$pfu

Architect ConsultantAmH©$Q>oä Q> H$›gbQ>|Q>ApqLÆ$V°$ºV$ L$fikÎV$fiV$

Private limited Doctor‡mBdoQ> b_Q>oS> S>m∞ä Q>a‚pCh°V$ rgrdV°$X$ X$p°ºV$f

Lawyer Others_____________________dH$sb A›hL$ug Afiep°

N>mÃ

J•hUr

rh¤p\

N©rlZu

Student /

Housewife /

godmZd•Vr_h©—Retired /

A›Afiep°Others /

gßÒWm/_mbH$ H$m Zm_ Am°a dmJ

eha Am°a am¡

Jbr/amoS> H$m Zm_ Am°a Zß. Am°a

b¢S>_mH©$

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dV©_mZ gßÒWm _| H$m_ H$aZo H$s AdY

nZ H$moS

_mh

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joÃ/bmoHo$eZ

df© _mh

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Ngu_yÑ _pd A_° _Ñ. A_° rhıspf/ ı\m

kudprQl_

h° pf_p° ‚L$pf

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drl_p

Ly$g L$peÆ A_ychhjÆ drl_p

Name of firm/employer and dept. /

Street name and no. and area/location /

Landmark /

City and State /Pin code /

Nature of business /

Duration in current organisation /df©hsÆdp_ kÑı\pdpÑ kdeNpmp° hjÆyears /

months /

Total work experience /months /years /

H$mm©brZ Q>ob\$moZ Zß.Ap°qak ap°_ _Ñ.Office tel. no. /

EgQ>rS>r H$moS>A°kV$uX$u L$p°X$ Zß~g© _Ñbf(kÆ) Eä ÒQ>|eZ A°ºk.STD code / Number(s) / Extn. /

Jm∞g

ZoQ>

A› ÚmoVm| go Am

A› Am H$m ÚmoV

dmf©H$ doVZ È. _| (dV©_mZ df©)

ÈnE _| (dV©_mZ df©) ZoQ

hprjÆL$ Npf/ dpÑ AphL$ (hsÆdp_ hjÆ)`

N∞p°k

Afie p°sdpÑ\u Í$. (hsÆdp_ hjÆ)dpÑ AphL$

Afie AphL$_p° p°s

_°V$

_V° $

Annual salary/income in ` (current year) /

Gross /

Net /

Income from other sources in ` (current year) Net /

Source of other income /

Your ?rm is Profession AmnH$s gßÒWm h° noem Ïehkpe R>° Ïehkpe R>°

Proprietorship CA‡mo‡mQ>aen grEdprgL$u kuA°

Journalist PartnershipnÃH$ma nmQ>©Zaen

”L$pf cpNuv$pfu

Architect ConsultantAmH©$Q>oä Q> H$›gbQ>|Q>ApqLÆ$V°$ºV$ L$fikÎV$fiV$

Private limited Doctor‡mBdoQ> b_Q>oS> S>m∞ä Q>a‚pCh°V$ rgrdV°$X$ X$p°ºV$f

Lawyer Others_____________________dH$sb A›hL$ug Afiep°

N>mÃ

J•hUr

rh¤p\

N©rlZu

Student /

Housewife /

godmZd•Vr_h©—Retired /

A›Afiep°Others /

gßÒWm/_mbH$ H$m Zm_ Am°a dmJ

eha Am°a am¡

Jbr/amoS> H$m Zm_ Am°a Zß. Am°a

b¢S>_mH©$

Ïdgm H$m ‡H$ma

dV©_mZ gßÒWm _| H$m_ H$aZo H$s AdY

nZ H$moS

_mh

H$m_ H$m Hw$b AZw d

joÃ/bmoHo$eZ

df© _mh

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il°f A_° fpƒe

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kudprQl_

h° pf_p° ‚L$pf

r_ L$p°X$

drl_p

Ly$g L$peÆ A_ychhjÆ drl_p

Name of firm/employer and dept. /

Street name and no. and area/location /

Landmark /

City and State /Pin code /

Nature of business /

Duration in current organisation /

months /

Total work experience /months /years /

H$mm©brZ Q>ob\$moZ Zß.Ap°qak ap°_ _Ñ.Office tel. no. /

EgQ>rS>r H$moS>A°kV$uX$u L$p°X$ Zß~g© _Ñbf(kÆ) Eä ÒQ>|eZ A°ºk.STD code / Number(s) / Extn. /

Jm∞g

ZoQ>

A› ÚmoVm| go Am

A› Am H$m ÚmoV

dmf©H$ doVZ È. _| (dV©_mZ df©)

ÈnE _| (dV©_mZ df©) ZoQ

hprjÆL$ Npf/ dpÑ AphL$ (hsÆdp_ hjÆ)`

N∞p°k

Afie p°sdpÑ\u Í$. (hsÆdp_ hjÆ)dpÑ AphL$

Afie AphL$_p° p°s

_°V$

_V° $

Annual salary/income in ` (current year) /

Gross /

Net /

Income from other sources in ` (current year) Net /

Source of other income /

ä m AmnH$r _m°OyXmEMEg~rgr [aboeZen h°?iyÑ sd° lpgdpÑ A°QA°kbuku kp\° kÑbÑ fphp° R>p°?

hmß Zhtlp _p

Do you have an existing HSBC relationship? /

Yes / No /

ä m AmnH$r _m°OyXmEMEg~rgr [aboeZen h°?iyÑ sd° lpgdpÑ A°QA°kbuku kp\° kÑbÑ fphp° R>p°?

hmß Zhtlp _p

Do you have an existing HSBC relationship? /

Yes / No /

AfS>v$pf_u klu

Signature of the co-applicant

kl-AfS>v$pf_u klu

df©hsÆdp_ kÑı\pdpÑ kdeNpmp° hjÆyears /

HSBC BANK ACCOUNT DETAILS (If holder of a HSBC Savings/Current Account)EMEg~rgr ~¢H$ ImVm ddaU (X H$gr EMEg~rgr ~MV/Mmby ImVo Ho$ YmaH$ h¢)

A°QA°kbuku b°fiL$ Mpsp_u rhNsp° (≈° A°QA°kbuku k°th¡k/ L$ffiV$ Mpsp_p pfL$ lp°e)

Branch / /emImipMp

Mpsp_p° _Ñbf

LOCAL CONTACT PERSON (Applicable for NRIs) ÒWmZr gßnH©$ Ïä V (EZAmaAmB© Ho$ bE)

ı\pr_L$ kÑ LÆ$ Ïe[ºs (A°_ApfApC dpV°$ gpNy)

COLLATERAL DETAILS / / AV[a∫$ O_mZV H$m ddaUL$pg° V° $fg_u rhNsp°

g Purchase of ready propertyV° ma gßnŒm IarXZo Ho$ bEs•epf rdgL$s_u Mfuv$u

g Purchase of plotflbm∞Q> IarXZo Ho$ bE‡gp°V$_u Mfuv$u

g Purchase of under construction propertyZ_m©UmYrZ gßnŒm IarXZo Ho$ bEbpÑ L$pd_u rdgL$s l°W$m Mfuv$u

g Self-constructionÒd-Z_m©Uıh-bpÑ L$pd

g Home improvementKa H$mo ~ohVa H$aZo Ho$ bEOf ky pfZp

g Takeover of existing loan_m°OyXm H$O© Ho$ AYJhU Ho$ bEhsÆdp_ gp°__yÑ V°$L$Ap°hf

g Medical needsMH$ÀgH$s AmdÌH$VmEßsbubu S>Í$fsp°

g EducationejmrinZ

g TravelmÃm

‚hpk

g Marriageddmhg¡_

g Purchase of professional equipment‡mo\o$eZb CnH$aU IarXZo Ho$ bEÏephkpreL$ DL$fZ_u Mfuv$u

g Purchase of other consumer durable(s)‡mo\o$eZb CnH$aU IarXZo Ho$ bEAfie L$fiTeydf X$Èyf°bg(gp°)_u Mfuv$u

g Purchase of a carH$ma IarXZo Ho$ bEL$pf_u Mfuv$u

g Retiring other debt(s)A› H$O© MwH$mZo Ho$ bEAfie F>Z(Zp°) cfpC

g Any other (please specify)A› (H•$nm ~VmEß)L$p°C Z Afie (L$© p Qp°MhV$ L$fp°)

_________________________________________________________________________________________________________________________________________________________________________________________

PURPOSE OF PROPERTY BEING PURCHASED (Applicable for Home Loan/Smart Home)IarXr OmZo dmbo gßnŒm H$m C‘oÌ (hmo_ bmoZ/Ò_m∞Q>© hmo_ na bmJy)

Mfuv$u L$fp_pfu rdgL$s_p° l°sy (lp°d gp°_ / ıdpVÆ$ lp°d dpV°$ gpNy)

Account number /ImVm H$./

_oar AmdÌH$Vmdpfu AphÌeL$spAp°MY REQUIREMENTS

H$O© Ho$ wJVmZ Ho$ bE _oao EMEg~rgr ImVo H$mo Am∞Q>mo S>o~Q> H$a|gp°_ y_:QyL$hZu dpV°$ dpfp A°QA°kbuku MpspdpÑ\u Ap°V$p° X°$rbV$

Auto debit my HSBC Account for loan repayment /H$O© Ho$ wJVmZ Ho$ bE _oao EMEg~rgr ImVo H$mo Am∞Q>mo S>o~Q> H$a|gp°_ y_:QyL$hZu dpV°$ dpfp A°QA°kbuku MpspdpÑ\u Ap°V$p° X°$rbV$

Auto debit my HSBC Account for loan repayment /

_¢ \$ä ÒS> BßQ¥>oÒQ> aoQ> boZm MmhßJm/MmhßJr

J•h H$O©

J•h H$O© Ho$ bE \$ä ÒS> BßQ¥>oÒQ AdY (12/24/36 _mh g\©$) ___________

_¢ ‚bmoqQ>J> BßQ¥>oÒQ> aoQ> boZm MmhßJm/MmhßJr

(CÀnmX H$m Zm_)

lzÑ raºıX$ ÏepS> v$f g°hp dpNyÑ Ry

lp°d gp°_

(ep°S>_p_yÑ _pd)

lp°d gp°_ dpV°$ qaºıX$ ÏepS>_u dyv$s ___________ (12 / 24 / 36 drl_p aºs)

lzÑ „gp°qVÑ$N ÏepS> v$f g°hp dpNyÑ Ry>ÑI would like to avail of a fixed interest rate /

Home Loan /

(Name of product) /

Fixed interest tenure for Home Loan (12/24/36 months only)

I would like to avail of a floating interest rate /

Bp¿N>V bmoZ/AmodaS¥>o‚Q H$s ame bmoZ H$s AdY __________ _mh/df©__________

J•h H$O© Ò_mQ>© hmo_

Ò_mQ>© EbEnrbmoZ AJo›ÒQ> ‡m∞nQ>u

(CÀnmX H$m Zm_)

AphÌeL$ gp_° / Aph° fX$≤p„V$_u fL$d __________ AphÌeL$ gp_° _u dvy $s __________ drl_p/hjÆ

(ep°S>_p_yÑ _pd)

ıdpVÆ$ lp°dıdpVÆ$A°gA° u

gp°_ AN°CfiıV$ ‚p° V$

lp°d gp°_Home Loan /Smart Home /SmartLAP /Loan Against Property /

(Name of product) /

Loan/overdraft amount required Loan tenure required months/years

IwX Ho$ bE

ZOXrH$s nm[adm[aH$ gXÒ Ho$ bE

Zdoe/H$amE na CR>mZo Ho$ bE

≈s° fl°hp dpV°$

r_L$V$hs L$p•VyÑ$rbL$ kÊep° ‹pfp fl°hp dpV°$

fp°L$pZ / cpX°$ Aphp

For self-occupation /

To be occupied by close family members /

For Investment/Renting /

Zm_

Amdmgr nVmeha Ama° am¡

Amdmgr Q>ob. Zß.

B©-_ob

nZ H$mSo >

_mo~mBb Zß.

AmdoXH$ H$o gmW gß~ßY

O›_ VmarI (XZ/_mh/df©)

_pd

r_hpku kf_pdyÑ

r_hpku ap°_ _Ñ.

dp°bpCg _Ñ.

AfS>v$pf kp\° kÑbÑ^

S>fidspfuM (qv$hk/drl_p° / hjÆ)

ilf° A_° fpƒer_ L$pX° $

C-d°Cg

Name /

Residence address /

Residence tel. no. /

Mobile no. /

E-mail /

Date of birth (dd/mm/yy) /

City and State /Pin code /

\°$ä g Zß.a°ºk _Ñ.Fax no. /(EgQ>rS>r H$moS>)(A°kV$uX$u L$p°X$)(STD code) /

Relation with applicant /

nßOrH•$V _mbH$/dH$mgH$Vm© H$m Zm_

gßnŒm H$m nVm

Am∞ä wn¢gr ddaU goÎ\$-Am∞ä wnmBS> H$amE na Imbr

_p¢ ZuL©$s dprgL$ / X°$hgf_yÑ _pdrdgL$s_yÑ kf_pdyÑ

Ap°ºey fiku rhNsp° k°Îa-Ap°ºey pCX$

_m_bo _| hr am OmE) /(Apº° ey fiku rhNsp:° gp_° ANC° fiıV$ ‚p° V$, ıdpV$ÆAg° A° u A_° lpd° gp_° / ıdpV$Ælpd° V$p° -A_p qL$ıkpdpÑ cfhp_u)

cpX$° Mpgu

Name of registered owner/developer /

Property address /

Occupancy details:/ Self-occupied /

A›AfieOthers /

Rented / Vacant /

(Occupancy details: To be filled in case of Loan Against Property, SmartLAP and Home Loan/Smart Home top-up)/(Amä∞ nw g°ß r ddaU: bmZo AJ›o ÒQ> ‡mn∞ Q>u, Ò_mQ>E© bEnr Ama° hm_o bmZo /Ò_mQ>© hm_o Q>mn∞ -An H$o

PURPOSE OF LOAN / H$O© H$m C‘oÌgp°__p° l°sy

RELATIONSHIP DECLARATION / / gß~ßY H$s KmofUmkÑbÑ rhi° ≈l°f_pdyÑ I/We hereby declare and confirm that either of the 2 scenarios (A) or (B) described below is/are applicable /_/¢ h_ EVX≤ ¤mam Kmfo Um H$aVm h/± H$aVr h/± H$aVo h,¢ H$ ZÂZbIV 2 n[a—Óm| (E) m (~r) _| go H$moB© r bmJy h° lzÑ / Ad° A”° ≈l°f L$fuA° A_° kd\Æ_ ApuA° R>uA° L°$ _uQ° rhhfZ L$f°gp (A°) A\hp (bu) A°d b° kÑ≈°NdpÑ\u L$p°C A°L$ gpNy \i°. /

Scenario (A) / / n[a—Ó (E) k≈Ñ N° (A)°g (where the borrower(s) is an individual): I/ We do hereby declare that I/We am/are not director or guarantor or specified near relation of a director of a banking company

(including directors/senior officers of HSBC) or directors of Subsidiaries/Trustees of Mutual Funds/Venture Capital Funds set-up by HSBC or other banks.

Scenario (B) / / n[a—Ó (~r) k≈Ñ N° (bu) g I/We do not fulfil/comply with the declarations stated in Scenario (A) above / /_¢/h_ Cnamo∫$ n[a—Ó (E) _| H$WV KmofUmAm| H$mo nyam/CZH$m AZwnmbZ Zht H$aVm h±/H$aVo h¢.

lyÑ / Ad° Dºs kÑ≈°N (A°) dpÑ _p¢ °gp ≈l°f_pdp_yÑ pg_ / qf|ZÆ _\u L$fsp.

In case Scenario (B) is applicable please provide the following details / / Eogo _m_bo _|, n[a—Ó (~r) bmJy h°, H•$nm ZÂZmßH$V ddaU ‡XmZ H$a| : kÑ≈°N (bu) gpNy lp°e –epÑ r_Á_rgrMs rhNsp° |fu pX$p°

Related to (Applicant/Co-applicant Name) / / (AmdoXH$/gh-AmdoXH$ H$m Zm_) H$m/H$s/Ho$ gß~ßYrkÑbÑ ° (AfS>v$pf / kl-AfS>v$pf kp\°) kp\°Relationship Type (Self or Relative/Near Relation) / /g~ß Yß H$m ‡H$ma (Òdß m g~ß Yß r/ZH$Q> g~ß Yß r)kÑbÑ _p° ‚L$pf (p°s° A\hp kÑbÑ u / r_L$V$hs kÑbÑ u)Name of the Person / / Ï∫$ H$m Zm_Ïe[ºs_yÑ _pdEntity Name to which I am/Relative is associated / Cg gßÒWm H$m Zm_, Oggo _¢ /

1. / 1. / 1. 2. / 2. / 2.

The scope of the term 'relative'/'near relation' will be as under / "g~ß Yß r'/"ZH$Q> g~ß Yß r' e„X H$m jÃo ZÂZmZgw ma hmJo mkbÑ Ñ u / r_L$V$hs kbÑ Ñ u_u qfcpjp_u rnrsS> _uQ° dSy >b fli° :° /• Spouse • Father • Mother (including step-mother) • Son (including step-son) • Son's wife • Daughter (including step-daughter) • Daughter's husband • Brother (including step-

OTHER OPTIONAL PRODUCT(S) / / A› d°H$pÎnH$ CÀnmXAfie h•L$[ÎL$ ‚p°X$ºV$(V$p°)Would you be interested to apply for a credit card from HSBC? / / ä m Amn EMEg~rgr go H$gr Ho$S>Q> H$mS>© Ho$ bE AmdoXZ H$aZm Mmh|Jo?iyÑ sd° A°QA°kbuku pk° \u æ°$qX$V$ L$pXÆ$ dp V°$ Af∆ L$fhpdpÑ fk fphp° R>p°?

(Ohm± F$Ur Ï∫$ h°/h¢) : _¢/h_ EVX≤ ¤mam KmofUm H$aVm h±/H$aVr h±/H$aVo h¢ H$ _¢/h_ H$gr ~¢qH$J Hß$nZr H$m/H$s/Ho$ ZXoeH$ m JmaßQ>a m CgHo$ H$gr ZXoeH$ (EMEg~rgr Ho$ ZXoeH$m|/d[a> AYH$m[am| ghV) H$m/H$s/Ho$ deÔ> ZH$Q>V_ gß~ßYr m EMEg~rgr m A› ~¢H$m| ¤mam ÒWmnV ÂwMwAb \ß$S≤>g/do›Ma H°$nQ>b \ß$S≤>g H$m/H$s/Ho$ ZXoeH$ m AZwfßJr/›mgr Zht h±/h¢.

brother) • Brother's wife • Sister (including step-sister) • Sister's husband • Brother (including step-brother) of the spouse • Sister (including step-sister) of the spouse

kÑbÑ^gß~ßYRELATIONSHIP

AmdoXH$ Ho$ hÒVmja gh-AmdoXH$ Ho$ hÒVmjaAfS>v$pf_u klu kl-AfS>v$pf_u klu

Signature of the applicant / Signature of the co-applicant /

13EM~rEnr Ho$ gmW AZgä moS>© \o$gobQ>rO14A. EM~rEnr Ho$ H$_©Mm[am| Am°a ~. EM~rEnr Ho$ ZXeH$ _ßS>b d CZHo$ [aÌVoXmam| na bmJy

13A°QbuA° u ≈°X°$ AkÑfrns kyrhpAp°14(A°) A°QbuA° u_p L$dÆQpfuAp° A_° (bu) A°QbuA° u_p bp°XÆ$ Ap°a X$pef°ºV$fp° A_° s°d_p kÑbÑ uAp° dpV°$ gpNy

13UNSECURED FACILITIES WITH HBAP14APPLICABLE FOR a) EMPLOYEES OF HBAP AND b) BOARD OF DIRECTORS OF HBAP AND THEIR RELATIVES

X hmß Vmo H$g ‡H$ma H$m [aÌVm h° ≈° lp lp°e sp° kÑbÑ _p° ‚L$pf_____________________________________________________________

hmß Zhtlp _p

Do you have a near relation to any employee of the Bank or any directors of any HSBC Group companies./ä m ~H¢ $ H$o H$gr H$_M© mar m EMEg~rgr g_hy H$ß nZm| H$o H$gr ZXe H$ go AmnH$m ZOXrH$s [aÌVm h?°/iÑ y bfi° L$_p L$pC° Z L$dQÆ pfu L$° L$pC° Z AQ° Ak° buku Ny∞ _u L$Ñ _uAp_° p L$pC° Z X$pefº° V$fp° kp\° sd_° _∆L$_p° kbÑ Ñ R>.°

Yes / No /If yes relationship type /

Director/Employee name with whom relationship exists / Cg ZXeH$/H$_©Mmar H$m Zm_, OgHo$ gmW [aÌVm h° / kÑbÑ R>° s° X$pef°ºV$f / L$dÆQpfu_yÑ _pd

and staff no. / / Ama° ÒQ>m\$ Z.ß A_° ıV$pa _.Ñ

hmß Zhtlp _pYes / No /

∑ ∑∑ ∑ ∑ ∑ ∑ ∑ ∑ ∑ OrdZgmWr nVm _mVm (gm°Vobr _m± ghV) ~oQ>m (gm°Vobo ~oQ>o ghV) ~oQ>o H$s nÀZr ~oQ>r (gm°Vobr ~oQ>r ghV) ~oQ>r H$m nV mB© (gm°Vobo mB© ghV) mB© H$s nÀZr ~hZ (gm°Vobr ~hZ ghV)∑ ∑ ∑ ~hZ H$m nV OrdZgmWr H$m mB© (gm°Vobo mB© ghV) OrdZgmWr H$s ~hZ (gm°Vobr ~hZ ghV)

X hm∞›JH$m∞›J E›S> eßKmB© ~¢qH$J H$m∞nmaoeZ b_Q>oS> (EM~rEnr) Ho$ H$_©Mm[am| Am°a ZXeH$ _ßS>b m EMEg~rgr _mH$Q≤>g (Eem) b. Am°a EM~rEnr Ho$ ZXeH$ _ßS>b Ho$ [aÌVoXmam| m EMEg~rgr (Eem) b. Ho$ bE, H•$nm ZrMo AZwgma ~VmEß H$ ä m AmnHo$ nmg EM~rEnr gmBQ≤>g _| Am°a BZH$s ghmoJr Hß$nZm| Ho$ gmW nyar Vah m gß w∫$ Í$n go AZgä moS>© \o$gobQ>rO h¢.

Zht

EM~rEnr gmBQ≤>g AZgä moS>© bmoZ/\o$gobQ>r Q>mBn AZgä moS>© bmoZ/\o$gobQ>rO ame _mgH$ wJVmZ H$s ame ~H$mm ame

~¢H$ _| AZgä moS>© \o$gobQ>r(O) hmß

lp¢NL$p¢N A°fiX$ ipÑOpC b°[fiLÑ$N L$p° p£f°i_ rgrdV°$X$ (A°QbuA° u) L°$ A°QA°kbuku dpL£$Vπ$k (A°riep) rg.dpÑ L$dÆQpfu A_° bp°XÆ$ Ap°a X$pef°ºV$fp° dpV°$ A_° A°QbuA° u A\hp A°QA°kbuku (A°riep) rg._p bp°XÆ$ Ap°a X$pef°ºV$fp°_p kÑbÑ uAp° dpV°$ L$© p L$fu_° sd° A°QbuA° u kpCVπ$k A_° s°_u kbrkqX$efuAp°dpÑ A°L$g L°$ kÑeyºs fus° L$p°C Z Afie AkÑfrns kyrhpAp° fhp° R>p° L°$ L°$d s°_p° _uQ° kÑL°$s App°.

b°fiL$ pk° AkÑfrns kyrhp(Ap°) lp _p

A°QbuA° u kpCVπ$k AkÑfrns gp°_ / kyrhp_p° ‚L$pf AkÑfrns gp°_ / kyrhp_u fL$d dprkL$ y_:QyL$hZu fL$d bpL$u fL$d

For employees and Board of Directors in The Hongkong and Shanghai Banking Corporation Limited (HBAP) or HSBC Markets (Asia) Ltd. and relatives of the Board of Directors of HBAP or HSBC (Asia) Ltd., please indicate below whether you solely or jointly have any other unsecured facilities with HBAP sites and it's subsidiary.

Unsecured facility(ies) with the Bank Yes / No /

HBAP Sites / Unsecured Loan/Facility Type / Unsecured Loan/Facility Amount Monthly Repayment Amount / Outstanding Amount /

A°) (F>Zv$pf(fp°) Ïe[ºsNs lp°e –epÑ): lzÑ / Ad° A”° ≈l°f L$fuA° R>uA° L°$ A°QA°kbuku A\hp Afie b°fiL$p° ‹pfp ı\prs kbrkqX$efuAp° X$pef°ºV$fp° / Áey√eyAg aÑX$p° / h°_pQf L°$rV$g aÑXπ$k_p V≤$ıV$uAp° L°$ b°[fiLÑ$N LÑ$ _u (A°QA°kbuku_p X$pef°ºV$fp° / rkr_ef ArL$pfuAp° krls)_p X$pef°L$V$f_p r_qvÆ$Ù$ r_L$V$_p kÑbÑ u L°$ X$pef°ºV$f L°$ N°ffiV$f _\u.

gß~ßYr gß~’ h° / lzÑ / kÑbu kÑL$mpe°gp R>uA° s° LÑ$ _u_yÑ _pd

∑ ∑ ∑ ∑ ∑ ∑ ∑ ∑ ∑ ∑ ∆h_kp\u rsp dpsp (kphL$u dpsp krls) y” (kphL$p y” kqls) y”_u –_u y”u (kphL$u y”u krls) y”u_p° rs cpC (kphL$p cpC krls) cpC_u –_u bl°_ (kphL$u ∑ ∑ ∑ bl°_ krls)bl°__p° rs ∆h_kp\u_p° cpC (kphL$p cpC krls) ∆h_kp\u_u bl°_ (kphL$u bl°_ krls)

Definition / / n[amfm: Ïepøep:13HBAP – The term HBAP is used for all HSBC areas, HBAP subsidiaries and other HBAP legal entities in the Asia Pacific Region.

1. Australia, 2. Bangladesh, 3. Brunei, 4. China, 5. Hong Kong, 6. India, 7. Indonesia, 8. Japan, 9. Korea, 10. Macau,

11. Malaysia, 12. Mauritius, 13. New Zealand, 14. Philippines, 15. Singapore, 16. Sri Lanka, 17. Taiwan, 18. Thailand, 19. Vietnam

14'Relative’ defined under as:

• Any immediate ascendant, any spouse or former spouse of any such ascendant, and any brother or sister of any such spouse or former spouse

• Any immediate descendant, and any spouse or former spouse of any such descendant

• Any brother or sister, aunt or uncle, grandparents, grandchildren and their spouses, any nephew or niece and any first cousin

• Any spouse or former spouse, any immediate ascendant of any such spouse or former spouse, and any brother or sister of any such spouse or former spouse

• include anyone living as such

And, of the purposes of this definition, any step-child shall be deemed to be child of both its natural parent and of its step-parent and any adopted child to be the child of the adopting parent, and a spouse shall

DECLARATION / /Kmfo Um≈lf° _pdÑyI/We confirm having read and understood the Most Important Terms and Conditions (MITC) including the Tariff Sheet enclosed with this application form.I/We acknowledge that I/we have been advised to seek independent legal view with respect to the title of the property being purchased. In case I/we approach HSBC's empanelled lawyer for legal advice, I/we acknowledge that I/we agreed to do so on my/our own volition and HSBC shall not be held liable for any disputes that I/we may have with HSBC's empanelled lawyer.I/We also confirm that as on date of this application, there are no litigations initiated by other banks/financial institutions, being faced by me/us (please strike off if this is not the case and provide a separate list of initiated/pending litigations).I/We further agree that any facility that may be provided to me/us shall be governed by the internal policies of HSBC that may be in force from time to time.I/We undertake and declare that I/we will comply with all the applicable laws, rules, regulations, notifications, directions or orders made thereunder and any amendments thereof including Foreign Exchange Management Act, 1999 (FEMA). I/We undertake to intimate HSBC before proceeding overseas on permanent employment and/or emigrating and/or changing my/our nationality.I/We acknowledge that HSBC may assign any activities to any service provider, whether located in India or overseas and whether an HSBC Group entity or a third party, at its sole discretion, in accordance with the applicable guidelines of the Reserve Bank of India (RBI). I/We also acknowledge the right of HSBC to share information pertaining to me/us with its service providers and such third parties as are required to process my application for credit facility and to provide details of my/our accounts/credit facilities to such service providers for the purpose of availing outsourced services of any nature by HSBC, without any specific consent or authorisation from me/us. I/We further acknowledge that HSBC or such service providers, whether located in India or overseas, may disclose such information if required or permitted by any law, rule or regulation or at the request of any governmental or regulatory authority or if such disclosure is required for the purposes of preventing fraud.I/We acknowledge that the existence of this credit facility and details thereof (including details of transactions and any defaults committed by me), will be recorded with credit reference agencies and such information (including processed information) may be shared with banks/financial institutions and other credit grantors for the purposes of assessing further applications for credit by me/us and/or members of my/our household, and for occasional debt tracing and fraud prevention.1. Accordingly, I/we hereby agree and give consent for the disclosure by HSBC of all or any such; (a) information and data relating to me/us (b) the information or data relating to any credit facility availed of/to be availed, by me/us and (c) default, if any, committed by me/us in discharge of my/our such obligation, as HSBC may deem appropriate and necessary, to Credit Information Bureau (India) Limited (CIBIL) and any other agency authorised in this behalf by the Reserve Bank of India (RBI).2. I/We undertake that (a) CIBIL and any other agency/bureau so authorised may use, process the said information and data disclosed by HSBC; and (b) CIBIL and any other agency so authorised may furnish for consideration, the processed information and data or products thereof prepared by them, to banks/financial institutions and other credit grantors, as may be specified by the RBI in this behalf.3. I/We consent and authorise HSBC to generate subsequently an additional report through CIBIL or authorised agency/bureau to process my loan application, in the event the necessary documentation and processes are not completed as per HSBC's policies.I/We further agree to receive SMS alerts related to my/our application status and account activity as well as product use messages that HSBC will send, from time to time, on my/our mobile phone number as mentioned in this application form. I/We undertake to intimate HSBC in the event of any change in my/our mobile phone number.I/We certify that the information provided by me/us in this application form is true and correct in all respects and HSBC is entitled to verify this directly or through any third party agent. I/We further acknowledge that HSBC shall have right to seek any information from any other source in this regard. I/We understand that all of the abovementioned information shall form the basis of any facility that HSBC may decide to grant to me/us at its sole discretion.I/We also agree if any of the above details or the declaration made by me/us is found to be false, then the Bank will be entitled to revoke and/or recall the credit facility.

1. Am∞ÒQ¥>obm, 2. ~mßΩbmXoe, 3. ~yZr, 4. MrZ, 5. hm∞›J H$m∞›J, 6. maV, 7. BßS>moZoem, 8. OmnmZ, 9. H$mo[am, 10. _H$mD$,11. _boem, 12. _m∞[aeg, 13. ›yOrb¢S>, 14. \$bnmBßg, 15. qgJmnwa, 16. lrbßH$m, 17. VmBdmZ, 18. WmB©b¢S, 19. dEVZm_.

13EM~rEnr - EMEg~rgr Ho$ gr joÃm|, EM~rEnr H$s ghmoJr Hß$nZm| Am°a Eem n°go\$H$ joÃm| _| ÒWV EM~rEnr H$o H$mZyZr AÒVÀd Ho$ bE e„X EM~rEnr H$m BÒVo_mb H$m OmVm h°.

14[aÌVoXma H$s n[amfm Bg ‡H$ma h°:>∑ H$moB© r ZOXrH$s nyd©O, Cg nyd©O H$m _m°OyXm m nhbo H$m OrdZgmWr, Am°a Cg OrdZgmWr m nhbo Ho$ OrdZgmWr H$m H$moB© mB© m ~hZ.∑ H$moB© r ZOXrH$s dßeO, Cg dßeO H$m _m°OyXm m nhbo H$m OrdZgmWr;∑ Cg OrdZgmWr m nhbo Ho$ OrdZgmWr H$m H$moB© mB© m ~hZ, MmMm-MmMr, _m°gm-_m°gr, XmXm-XmXr, ZmZm-ZmZr, ZmVr-nmoVo Am°a CZHo$ OrdZgmWr, VrOm-VrOm, mßOm-mßOr Am°a MMoao mB©-~hZ;∑ OrdZgmWr m nhbo Ho$ OrdZgmWr H$m m OrdZgmWr m nhbo Ho$ OrdZgmWr H$m gJm nyd©O Am°a CgH$m H$moB© mB© m ~hZ;

∑ Bg n[amfm Ho$ C‘oÌm| Ho$ bE, H$moB© gm°Vobr gßVmZ H$mo XmoZm|, mZr ‡mH•$[VH$, VWm gm°Vobo _mVm-nVm, XmoZm| H$s gßVmZ _mZm OmEJm. Bgr ‡H$ma JmoX br hB© gßVmZ H$mo, JmoX boZo dmbo _mVm-nVm H$s gßVmZ _mZm OmEJm VWm OrdZgmWr _| C›h| _mZm OmEJm Omo Bg ‡H$ma _m°OyX hm|Jo.

13A°QbuA° u- A°QbuA° u A° A°riep °rkqaL$ ‚v°$idpÑ khÆ A°QA°kbuku_p rhıspfp°, A°QbuA° u kbrkqX$efuAp° A_° Afie A°QbuA° u L$p_|_u LÑ$ _uAp° dpV°$ Dep°N L$fpe R>°.1. Ap°ıV≤°$rgep, 2. bÑNgpv°$i, 3. b∞y_°C, 4. Qu_, 5. lp¢NL$p¢N, 6. cpfs, 7. CfiX$p°_°riep, 8. ≈p_, 9. L$p°qfep, 10. dL$pD,11. dg°riep, 12. dp°qfriek, 13. fie|Tug°fiX$, 14. qargrfik, 15. tkNpp°f, 16. ÓugÑL$p, 17. spChp_, 18. \pCg°fiX$, 19. rhe°V$_pd

14"kÑbÑ u'_u Ïepøep Ap dyS>b \i°:

∑ L$p°C Z sp–L$prgL$ |hÆS>, L$p°C Z ∆h_kp\u L°$ L$p°C Z Aphp |hÆS>_p dp∆ ∆h_kp\u A_° L$p°C Z Aphp ∆h_kp\u L°$ dp∆ ∆h_kp\u_p L$p°C Z cpC L°$ bl°_; ∑ L$p°C Z sp–L$prgL$ |hÆS> A_° L$p°C Z Aphp |hÆS>_p L$p°C Z ∆h_kp\u L°$ dp∆ ∆h_kp\u; ∑ L$p°C Z cpC L°$ bl°_, L$pL$p L°$ L$pL$u, N∞pfiX$ °ffiVπ$k, p•” A_° s°d_p ∆h_kp\uAp°, L$p°C Z c”u≈° L°$ c”u∆ A_° L$p°C Z ‚\d rsfpC; ∑ L$p°C Z ∆h_kp\u L°$ dp∆ ∆h_kp\u, Aphp ∆h_kp\u L°$ dp∆ ∆h_kp\u_p L$p°C Z sp–L$prgL$ |hÆS> A_° Aphp ∆h_kp\u L°$ dp∆ ∆h_kp\u_p L$p°C Z cpC L°$ bl°_; ∑ A_° Ap Ïepøep_p l°syAp°dpÑ L$p°C Z kphLyÑ$ R>p°L$fyÑ s°_p bÑ_° _•krNÆL$ hpgu A_° s°_p kphL$p hpgu_Ñy kÑsp_ NZpi° A_° L$p°C Z v$—L$ gu°gyÑ R>p°L$fyÑ v$—L$ g°_pf hpgu_yÑ kÑsp_ NZpi° A_° ∆h_kp\udpÑ Ap

fus° fl° s° L$p°C Z Ïe[ºs_p° kdph°i \pe R>°.

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CHANGE OF A DDRESS DECLARATION / /kf_pdyÑ bv$gu_yÑ ≈l°f_pdyÑ

nVo _ | n[adV©Z H$s KmofUm

change in address due to relocation or any other reason, I/we would intimate the new address to HSBC India within two weeks of such a change. This is to confirm that I/we ________________________________________________________________________________________________________________ , in the event of

‡VÒWmnV hmoZo m H$gr A› H$maU go nVo _| n[adV©Z hmoZo H$s pÒWV _|, _¢/h_ Eogo n[adV©Z Ho$ Xmo g·mh Ho$ rVa ZE nVo H$s gyMZm EMEg~rgr BßS>m H$mo Xy±Jm/X|Jo.h Bg ~mV H$s nwÔ> H$aZo Ho$ bE h° H$ _¢/h_ ____________________________________________________________________________________________________________________ ,

ı\m bv$ghp f A\hp L$p°C Z L$pfZkf kf_pdyÑ bv$gu L$fuA° sp° lzÑ/ Ad° Aphp a°fapf_p b° k‡spldpÑ A°QA°kbuku C[fiX$ep_p _hp kf_pd° ≈Z L$fuiyÑ.A”° kd\Æ_ AphpdpÑ Aph° R>° L°$ lzÑ/ Ad° __________________________________________________________________________________________________________________,

Signature of the applicant AmdXo H$ H$o hÒVmjaAfS>v$pf_u klu

Signature of the co-applicant gh-AmdXo H$ H$o hÒVmjakl-AfS>v$pf_u klu

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2. lzÑ/ Ad° bpÑefu ApuA° R>uA° L°$: (A°) rkrbg A_° L$p°C Z Afie A°S>fiku/ Âeyfp° L°$ S>°_° Aphu ArL©$rs ApC R>° s° A°QA°kbuku ‹pfp ≈l°f L$fpe°gu L$r\s dprlsu A_° X°$V$p_p° Dep°N, ‚qæ$ep L$fu iL°$ R>° A_° (bu) rkrbg A_° L$p°C Z Afie A°S>fiku L°$ S>°_° Aphu ArL©$rs ApC lp°e s° Ap kÑbÑ dpÑ ApfbuApC ‹pfp r_pÆqfs dyS>b b°fiL$p° / _pZpL$ue kÑı\pAp° A°A_° Afie Dpf Ap_pf_° s°d_p ‹pfp s•epf L$fpe°gu dprlsu A_° X°$V$p L°$ ‚p°X$ºV$p° rhQpfZp A_° ‚qæ$ep L$fhp dpV°$ Apu iL°$ R>°.

3. lyÑ/ Ad° kÑds R>uA° A_° A°Qbuku_° ArL©$rs ApuA° R>uA° L°$ A°QA°kbuku_u _urs A_ykpf |ZÆ _ L$fpeyÑ lp°e s°hyÑ S>Í$fu v$ısph°∆L$fZ A_° ‚qæ$epAp°_p qL$ıkpdpÑ dpfu gp°__u Af∆_u ‚qæ$ep rkrbg L°$ ArL©$s A°S>fiku/ Âeyfp° dpfas hpfp_p Al°hpg E≈hu iL$i°.

lzÑ/Ad° A° Z kÑdrs ApuA° R>uA° L°$ A°QA°kbuku Af∆ ”L$dpÑ Ap‡ep dyS>b dpfp/ Adpfp dp°bpCg _Ñbf f kdepÑsf° dpfu/ Adpfu Af∆_u [ı\rs A_° Mpsp_u ‚h©r— s°d S> ‚p°X$ºV$ Dep°N kÑv°$ipAp° kÑbÑ u A°kA°dA°k A°gVÆ$k A°QA°kbuku ‹pfp dp°L$ghpdpÑ Aphi° s° ‚p‡s L$fuiyÑ. lzÑ/ Ad° bpÑefu ApuA° R>uA° L°$ dpfp/ Adpfp dp°bpCg ap°_ _ÑbfdpÑ L$p°C Z a°fapf_p qL$ıkpdpÑ A°QA°kbuku_° ≈Z L$fpi°.lzÑ/ Ad° ‚dprZs L$fuA° R>uA° L°$ Ap Af∆ ”L$dpÑ dpfp/Adpfp ‹pfp AphpdpÑ Aph°gu dprlsu khÆ kÑbÑ dpÑ kpQu A_° Akg R>° A_° A°QA°kbuku ‚–en L°$ L$p°C Z ”u≈ n_p A°S>fiV$ dpfas s° spku iL°$ R>°.

Signature of the co-applicant gh-AmdXo H$ H$o hÒVmjakl-AfS>v$pf_u klu

Signature of the applicant AmdXo H$ H$o hÒVmjaAfS>v$pf_u klu

I/We confirm having read and understood the Most Important Terms and Conditions (MITC) including the Tariff Sheet enclosed with this application form.I/We acknowledge that I/we have been advised to seek independent legal view with respect to the title of the property being purchased. In case I/we approach HSBC's empanelled lawyer for legal advice, I/we acknowledge that I/we agreed to do so on my/our own volition and HSBC shall not be held liable for any disputes that I/we may have with HSBC's empanelled lawyer.I/We also confirm that as on date of this application, there are no litigations initiated by other banks/financial institutions, being faced by me/us (please strike off if this is not the case and provide a separate list of initiated/pending litigations).I/We further agree that any facility that may be provided to me/us shall be governed by the internal policies of HSBC that may be in force from time to time.I/We undertake and declare that I/we will comply with all the applicable laws, rules, regulations, notifications, directions or orders made thereunder and any amendments thereof including Foreign Exchange Management Act, 1999 (FEMA). I/We undertake to intimate HSBC before proceeding overseas on permanent employment and/or emigrating and/or changing my/our nationality.I/We acknowledge that HSBC may assign any activities to any service provider, whether located in India or overseas and whether an HSBC Group entity or a third party, at its sole discretion, in accordance with the applicable guidelines of the Reserve Bank of India (RBI). I/We also acknowledge the right of HSBC to share information pertaining to me/us with its service providers and such third parties as are required to process my application for credit facility and to provide details of my/our accounts/credit facilities to such service providers for the purpose of availing outsourced services of any nature by HSBC, without any specific consent or authorisation from me/us. I/We further acknowledge that HSBC or such service providers, whether located in India or overseas, may disclose such information if required or permitted by any law, rule or regulation or at the request of any governmental or regulatory authority or if such disclosure is required for the purposes of preventing fraud.I/We acknowledge that the existence of this credit facility and details thereof (including details of transactions and any defaults committed by me), will be recorded with credit reference agencies and such information (including processed information) may be shared with banks/financial institutions and other credit grantors for the purposes of assessing further applications for credit by me/us and/or members of my/our household, and for occasional debt tracing and fraud prevention.1. Accordingly, I/we hereby agree and give consent for the disclosure by HSBC of all or any such; (a) information and data relating to me/us (b) the information or data relating to any credit facility availed of/to be availed, by me/us and (c) default, if any, committed by me/us in discharge of my/our such obligation, as HSBC may deem appropriate and necessary, to Credit Information Bureau (India) Limited (CIBIL) and any other agency authorised in this behalf by the Reserve Bank of India (RBI).2. I/We undertake that (a) CIBIL and any other agency/bureau so authorised may use, process the said information and data disclosed by HSBC; and (b) CIBIL and any other agency so authorised may furnish for consideration, the processed information and data or products thereof prepared by them, to banks/financial institutions and other credit grantors, as may be specified by the RBI in this behalf.3. I/We consent and authorise HSBC to generate subsequently an additional report through CIBIL or authorised agency/bureau to process my loan application, in the event the necessary documentation and processes are not completed as per HSBC's policies.I/We further agree to receive SMS alerts related to my/our application status and account activity as well as product use messages that HSBC will send, from time to time, on my/our mobile phone number as mentioned in this application form. I/We undertake to intimate HSBC in the event of any change in my/our mobile phone number.I/We certify that the information provided by me/us in this application form is true and correct in all respects and HSBC is entitled to verify this directly or through any third party agent. I/We further acknowledge that HSBC shall have right to seek any information from any other source in this regard. I/We understand that all of the abovementioned information shall form the basis of any facility that HSBC may decide to grant to me/us at its sole discretion.I/We also agree if any of the above details or the declaration made by me/us is found to be false, then the Bank will be entitled to revoke and/or recall the credit facility.

___________

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Signature of the Relationship Manager

[aboeZen _°ZoOa Ho$ hÒVmjaqfg°i_ri d°_°S>f_u klu

FOR OFFICE USE ONLY / / H$mm©brZ CnmoJ Ho$ bEaºs Ap°qak_p Dep°N dpV°$

~¢H$ H$s ‡V b°fiL$_u _L$g JmhH$ H$s ‡VN∞plL$_u _L$g

H$O© AmdXo Z nà H$mo ‡m· hAmXZ/_mh/df©

______________________________ gp°_ Af∆ ‚p‡s _p fp°S>

nay o XÒdmdOo H$m gQo > ‡m· H$mo ‡m· hAmXZ/_mh/df©

______________________________ kÑ |ZÆ v$ısph°≈°_p° kÑQ ‚p‡s _p fp°S>

qv$qv$/dd/hhhh

AZaw mYo na ‹mZ [Xm OmEJm VWm ÒdrH$mamo ∫$/AÒdrH$• V H$s gMy Zm nay r Vah ao hE AmdXo Z d ghmH$ XÒVmdOo m| H$o _bZo H$o 15 XZm| H$o rVa Oo Xr OmEJr.rh_Ñsu_p° r_L$pg ghpi° A_° kd\Æ_ Apsp v$ısph°∆L$fZ kp\° kÑ |ZÆ Af∆ ”L$_u ‚pr‡s_u spfuM\u 15 qv$hk_u AÑv$f ıhuL$pf/ AıhuL$pf_u ≈Z L$fpi°.

_________ _________ _________ ‚qæ$ep au ` Q°L$ _Ñ. ‹pfp spfuM _p fp°S>

___________________________ b°fiL$_° _pd° ‚p‡s \C R>°, S>° qfaÑX$ L$fpi° _l].

XZ/_mh/df©

‡m·lp¢Q

qv$qv$/dd/hhhh

______________________________

______________________________

qv$qv$/dd/hhhh

H$O© AmdXo Z nà H$mo ‡m· hAmXZ/_mh/df©

______________________________ gp°_ Af∆ ‚p‡s _p fp°S>

nay o XÒdmdOo H$m gQo > ‡m· H$mo ‡m· hAmXZ/_mh/df©

______________________________ kÑ |ZÆ v$ısph°≈°_p° kÑQ ‚p‡s _p fp°S>

qv$qv$/dd/hhhh

AZaw mYo na ‹mZ [Xm OmEJm VWm ÒdrH$mamo ∫$/AÒdrH$• V H$s gMy Zm nay r Vah ao hE AmdXo Z d ghmH$ XÒVmdOo m| H$o _bZo H$o 15 XZm| H$o rVa Oo Xr OmEJr.rh_Ñsu_p° r_L$pg ghpi° A_° kd\Æ_ Apsp v$ısph°∆L$fZ kp\° kÑ |ZÆ Af∆ ”L$_u ‚pr‡s_u spfuM\u 15 qv$hk_u AÑv$f ıhuL$pf/ AıhuL$pf_u ≈Z L$fpi°.

_________ _________ _________ ‚qæ$ep au ` Q°L$ _Ñ. ‹pfp spfuM _p fp°S>

___________________________ b°fiL$_° _pd° ‚p‡s \C R>°, S>° qfaÑX$ L$fpi° _l].

XZ/_mh/df©

‡m·lp¢Q

qv$qv$/dd/hhhh

______________________________

______________________________

qv$qv$/dd/hhhh

BANK COPY CUSTOMER COPY

ACKNOWLEDGEMENT /

Loan application received onDD/MM/YYYY

Complete document set received onDD/MM/YYYY

Request will be disposed of and acceptance/rejection notification will be mailed within 15 days from the date of receipt of completed application form with supporting documentation.

DD/MM/YYYYdated drawn on

Bank, which will not be refunded.

ACKNOWLEDGEMENT /

Loan application received onDD/MM/YYYY

Complete document set received onDD/MM/YYYY

Request will be disposed of and acceptance/rejection notification will be mailed within 15 days from the date of receipt of completed application form with supporting documentation.

Processing fees of ` received by cheque no. Processing fees of ` received by cheque no.

DD/MM/YYYYdated drawn on

_oar CnpÒWV _| hÒVmja H$Edpfu lpS>fudpÑ kluSigned in my presence /

\$mBb ao\|$g Zß.

[aboeZen _°ZoOa (AmaE_) H$m Zm_

BßQ>a_rS>ar Zm_ Am°a H$moS>

d›eı\u_yÑ _pd A_° L$p°X$

apCg kÑv$cÆ _Ñ.

qfg°i_ri d°_°S>f (ApfA°d)_yÑ _pd

File reference no. /

Relationship Manager (RM) name /

Intermediary name and code /

AmaE_ H$moS> goΩ_|Q> H$moS> A›k°Nd°fiV$ L$p°X$ Afiep°ApfA°d L$p°X$

RM code Segment code /

______________________________________________Signature of the Relationship Manager

[abeo Zen _Z° Oo a H$o hÒVmja

______________________________________________Signature of customer /

JmhH$ H$o hÒVmjaqfg°i_ri d°_°S>f_u kluNp∞ lL$_u klu

HM

L A

PP

F 03

/15

Issued by The Hongkong and Shanghai Banking Corporation Limited, India. Incorporated in Hong Kong SAR with limited liability.