SBS.AZEEMUDDIN 10- Anjaneyar Koil Street 2nd Floor, Annai Flats, West Saidapet. Chennai-600 015. Tamilnadu.

Mobile: - 093 807 46880 E-mail: - earn.insure@gmail.com

We request your good self to

please depute an officer to

evaluate this scheme

and to implement the same, for earning

“GOLDMINE PROFIT

Sub: New Jewel Loan Scheme

(Copyright Protected)

Proposal submitted with request for sanction. Reg

We are very much interested to start a new innovative “Jewel Loan Scheme”

and request your Bank’s financial

assistance to start the most viable and

0% risk involved & 100% guaranteed LOAN scheme.

Scheme Details:The Loan we are going to

disburse is for buying GOLD JEWELS only.

As the craze for YELLOW METAL is very high we will

achieve the stipulated borrower target very easily.

The Loan is for Central & state Govt

Employees and

central & state govt undertaking employees,

Public Sector and

Private Sector Bank employees only.

Because, this sector employees

are the safe borrowers for us

and the JOB they are employed itself is a LOAN SECURITY

for us.

There are 12.5 Lakh Employees in Tamilnadu State

Government and other sector will contribute to another 2.5

Lakh employees.

Totally 15 Lakh employees can be approached via TV Media and

Print Media.

A minimum of 1.00 Lakh employees (Borrowers) target can be achieved

very easily from this sector.

(Just 6.6% of total 15 Lakh

Employees)

Loan Details: Minimum Loan amount of

Rs.1.00 Lakh per employee will be sanctioned.

(Maximum Loan amount can be

decided from the repayment capacity of the borrower)

Down payment of Rs. 6,500/- (6.5% of Rs. 1.00 Lakh)

will be collected

from the employees towards

processing Charges &

service charges for sanctioning the loan.

Loan Repayment period will be for 8 Years.

Interest @ 12% per annum will be collected.

(Or as decided by the bank can be collected)

Mode of Loan repayment:

There are TWO types of repayment methods

and your bank can decide on which

method of repayment we have to work

to get the loan amount repaid by the borrower.

Repayment Method One:

We will charge interest @ 12% per annum or

as per the norms of the bank and

pay the same to the bank which sanctions loan to us

to disburse the same to the borrowers.

We will also pay the principle loan amount

on monthly EMI basis as

Rs.1, 042/- per month for 8 years

collected from the borrowers.

How the Borrower is benefited in Method One?

The borrower is paying interest on diminishing value

basis.

Repayment Method Two:

Interest Rs.1, 000/- per month (@12% per annum

for Rs.1.00 Lakh Loan) only

will be collected & paid to the bank for 8 years.

This will totally amount to an Interest income of Rs. 96,000/- in

8 Years to the bank.

Towards PRINCIPLE repayment

we will take an INSURANCE policy for the loan amount and the policy will be assigned to the bank

towards safety of the Loan amount.

The premium for the insurance will work out to Rs.1, 165/- Per Month for

Rs. 1.00 Lakh Sum Assured, and for 8 years

the borrower will be paying a premium of

Rs. 1,11,840/-

Totally the borrower is paying

Rs. 96,000/- as Interest and Rs. 1,11,840/- towards

Insurance Premium, and totally Rs. 2,07,840/- is paid by the borrower

apart from Rs.6,500/- paid towards

processing & service charges.

How the principle Loan amount will be repaid?

The Insurance maturity value will be given to the bank and out of that value the

bank will adjust the principle loan amount.

The balance amount of the maturity value will be given to the borrower as BONUS

after 8th year.

What the Bank Earns?

The Bank is earning Rs.6, 500/- towards Processing & service

charges.The bank is earning Rs. 96,000/- as interest for sanctioning a loan of Rs.1.00 Lakh with a repayment

period of 8 years.

Moreover The bank is also getting back the

principle loan amount repaid through the

Insurance Sum assured. ( 1.00 Lakh)

Apart from this the bank

is also earning Registration Deposit

from the Jewellers.

How the Borrower is benefited?

The borrower is paying

totally Rs. 6,500 +

Rs. 96,000 + 1, 11,840 =

Rs. 2, 14, 340/- in 8 years.

The borrower is paying in 8 years

Rs. 1, 14,340/- extra after deducting the principle

jewel loan value of Rs. 1.00 Lakh

from Rs. 2,14,340/-

Apart from this, the borrower

is getting back bonus

from the insurance maturity value. (After Deducting Principle

Loan amount)

FINALLY THE BORROWER IS THE ULTIMATE GAINER,

BECAUSE THE JEWEL VALUE WILL APPRECIATE IN 8 YEARS

DEFENITELY, AND THE INVESTMENT BY WAY OF

TAKING LOAN FOR BUYING JEWELS WILL BE A WISE DECISION

ON THE PART OF GOVERNMENT

EMPLOYEES.

What is our profit?For introducingThis scheme to

Government Employees:

We will be charging from the Jewel shops a

discount of 6%

from the Value of purchase by the government employee

using the Loan amount.

The government employee must BUY his/her choice of

jewels from our / Bank authorized Jewel Shop only.

Total benefits of the Scheme

The bank which wants to implement this scheme on all INDIA basis, can REGISTER jewelers from the respective

branch area.

Registration charges of Rs.10.00 lakhs

or as per bank norms can be

collected by the bankfrom each jeweler

for registering their JEWEL shops to SELL their jewelleries

to government employees under this scheme.

Bank will be earning 12% interest

or as per bank norms from

the government employees. (Through us)

The bank is getting 6.5%

down payment per Loan and

adjusting the same towards

processing & service charges.

If the bank opts for

REPAYMENT METHOD TWO, then the bank can earn

enormous insurance business &

Insurance Commission from the Insurance Company.

In case of

DEATH of the borrower, the sum assured

will be paid back by the insurance company and the

bank can adjust the SUM towards its principle loan

repayment.

The borrower will be getting BONUS

at the end of the loan period.

We will be getting a DISCOUNT of 6%

from the JEWELLERS for selling their JEWELS to the

borrowers under this scheme.

As this scheme is going to be benefited to everyone with 100% secured features, we request your good self to please do the needful to

LAUNCH the scheme on all India basis.

IF THE BANK IS INTERESTED WE ARE READY TO SUBMIT

THIS SCHEME TO YOUR BANK TO IMPLEMENT THIS

SCHEME ON ALL INDIA BASIS

BY YOUR BANK

ITSELF.

This scheme will generate more business to bank with

100% safety for the loan amount,

and this scheme will generate more

gold business to jewelers

and the

GOLD RESERVE

of our country

will increase enormously.

Thanking you

in Anticipation.

Yours TrulySBS.AZEEMUDDIN