DISBURSAL REQUEST FORM ‘Tobe filled in by customer Name of the Applicant: Anplcation frm number Lan TYPE OF DISBURSEMENT REQUEST Disbursement go b, Revalidtin/Retssuance of disbursement chaque og ee O 12 Expiry of dabursemont cheque ality go © Disbursement cheque issued with Incorect favouring] © Subsequent Disbursement 0 + Disbursement chaque requed wth new favouring [>] © Disbursement chaque Lost / Misplaced a FAVOURING & PAYMENT MODE DETAILS: s Payment Mode (FT/NEFT/ Be | Amount eee a omTosy Favouring Bank Account Number) MICR Total Other Details: Due date of PreEMI/EMI payment : Disbursal requested date tstof Every Month [] sth of Every Month [1] Deduction confirmation: | authorise ICICI bank to adjust following from disbursement amount 2. Processing fee: Re, ». BIL Rs. ©. CERSAI Re. 4, Administrative Charges Re, «. Any other dues (Please specify) Re, Date Customer Signature “abe filed aby 1010 Bank repnesentave “The folowing documents have been collected from : Name ofthe Applicant ‘Application form number; uw [Loan documents (Faciity agreement, Disbursement booklet, Terms and conditions] Property documents as per the P & D (E] Acknowledged Sanction Letter [J ocRs (1 noc as appicebte (2 Special conditions on sanction letter, if any Name of DMA / Sales Executive ;_____ signature of DMA/Sales Execut Name & Emp ID of Matketing officer —— Date In case of any queries (Clarifications we shall get back to you within 2 working days In ease you want to get in touch with us, you can speak with {at the following Phone Nos *With ICICI Bank iMobile Application discover quick, simple and convenient way to access your Loan Account anytime ‘You can also initiate the Subsequent disbursement request through iMobile Appl DISBURSEMENT REQUEST : © Click on Loan Account No. © Click on Disbursement Request under more options © Initiate new request, fil details & upload demand letterICICI BANK DIRECT DEBIT MANDATE FORM DATE: FROM Customer Name 7 Customer Address To, ICICI Bank Limited, Branch City. Ref: Account No.: Dear Sir, We would like to inform you that we have taken/borrowed a facility / financial assistances from ICICI Bank Limited's Division pursuant to the Credit Facility Application Form (No. dated (the “Application Form”) OR Facility / Loan Agreement dated (the “Facility Agreement”, submitted to ICICI Bank Ltd. You are hereby authorised to debit the above mentioned account and credit ICICI Bank Ltd.-PDC account number. ‘on receiving instructions from ICICI Bank Limited's said Loan Division for the repayment of the Facility,the Equated Monthly Instalment, instaiment(s), Pre EMI Interest, all interest and other charges payable by me to you over the entire tenure of the Facility. The debit mandate shall be operative until due payment and receipt by you of all amounts due and payable to you in terms of the Facility Agreement OR the Application Form, and other related documents. \We request and hereby authorise ICICI Bank Limited's Division to forward this letter to you after affixing the signatures of their authorised person(s) to signify their approval for the above instructions and agreement to give effect to the above. \We authorize ICICI Bank to upgrade my / our account whereby | / we will not be charged for non-maintenance of a monthly average balance in savings account. “For detailed Terms & Condition of ICICI Bank Home Assure Savings Account visit www.icicibank.com Thanking you, Yours truly, ~ Customer Name : (Account Holder/s) Accepted and Approved Signature & full account no. VERIFIED ICICI Bank Ltd. Authorised Signatory ICICI Bank Limited Loans DivisionSECURITY MANDATE ICICI BANK DIRECT DEBIT SECURITY MANDATE FORM. DATE : FROM Customer Name Customer Address To, ICICI Bank Limited, Branch, City. Ref: Account No.: Dear Sir, We would like to inform you that we have taken a Car / Home / Consumer Durable / Personal Loan from ICICI Bank Limited Car / Home / Consumer Durable / Personal Loan Division, You are hereby authorised to debit the above mentioned account and credit ICICI Bank Ltd. - PDC account number on receiving instructions from ICICI Bank Limited Car / Home / Consumer Durable / Personal Loan division for (Rupees: only) over the ei ‘tenure of the loan wee. We are requesting and hereby. authorising ICICI Bank Limited Car / Home / Consumer Durable / Personal Loan Division to forward this to you after affixing the signatures of their authorised person(s) to signify their approval for the above instructions and agreement to give effect to the above. Security Mandate to be registered and banked only in specific circumstances such as customer failing under default, exceeding overdue limit, etc. In case of default, outstanding amount including overdue interest, bounces and other charges, if applicable, will be debited. Thanking you, Yours truly, Customer Name : (Account Holder/s) Accepted and Approved Signature & Full account no. VERIFIED ‘Ruthorised Signatory ICICI Bank Li ICICI Bank Ltd.Aicict Bank _ nn oa r Utility Code L] (cere © restr @ core Sponsor Bank Code [1 Tc] 1] c]o|t|[r|e|A] 0 | 0 | Meauthorizo TCICI Bank Limited '88/CA/C//S8-NRE//S8-NRO/ Othe] Bank a/e number| LI with Bank wsomen’ | | [111 an amount of Rupees z Debit Type M Fixed Amount [7 Maximum Amount — Frequency [7{Monthly MQuorterly MHolf Yearly Ml Yearly MAs & when presented Reference 1 Reference 2 ‘[aNindeuoode moeetrmave on autores taney Soman nda on sceumsesentecumstcns suing seesobyna Simonranassobanaeat sna scot, From TE os Or Until Cancelled Phone No. : SECURITY MANDATE Aicict Bank eae Utility Code © cone ] westy @ coree Sponsor Bank Code [1] C1 [clo] T[R]E|A | 0 | 0 | Meauthorize ICICI Bank Limited To debit (tick “)[58/.cA/cc/ S8-NRE/ S8-NRO/ Omer] Bank a/c number| With Bank| IFSC/MICR| ‘an amount of Rupees| z Debit Type Fixed Amount Z Maximum Amount Frequenéy mM Monthly WQvarterly Half Yearly M Yearly [Z] As & when presented Reference 1 Reference 2: en tuincarnsasapecsandslonaby m3 thew ancamtoosttlomaaboreas From >. as (Or Until Cancelled Phone No.MOST IMPORTANT INFORMATION & KEY FACT SHEET BANK'S COPY Attention: PLEASE READ CAREFULLY BEFORE SIGNING Loan Account No. (LAN No.): ACKNOWLEDGMENT FORM. (For Office Use Only) We refer to the Facility Agreement dated executed by us with ICICI Bank Limited (ICICI Bank”). We have been provided with the following MITC and Key Fact Statement, which containes the most important information, with respectto the Facility. Facility Agreement Date Facility Amount (@) No Exceeding Facility Type Home Loan Land Loan Office Premises it Others: (Please Specity) ice Equity Home Improvement 4 | Rate Type a.[_]Fixed b. [__JAdjustable Interest Rate initial Fixed & then Adjustable Interest Rate 5 | Rate of Interest a) Fixed Rate of Interest : Applicable rate of interest for the Facility is % (fixed) per annum plus applicable interest tax and/or other statutory levy. b) Adjustable Interest Rate: The Adjustable Interest Rate applicable to the Facility shall be the sum of Repo Rate *+ ‘Spread’ per annum, plus applicable statutory levy, if any (“Interest Rate”) For the first disbursement under the Facility, the applicable Repo Rate shall be the rate prevailing one Business Day preceding the date of the disbursement and for subsequent drawls, the Repo Rate prevailing for the Facility shall be applicable. *"Repo Rate” or “Policy Repo Rate” means the rate of interest published by the Reserve Bank of India ("RBI") on the RBI website from time to time as Repo Rate or Policy Repo Rate... As of the date of this Agreement the Repo Rate = % and spreadis % c) _ Fixedfor months and then Adjustable Interest Rate For the fixed period of, months, applicable interestrate shall be as specified under (a) above; Once the interest gets converted into Adjustable Interest Rate, the applicable interest rate shall be sum of the Repo Rate * (prevailing on the date of conversion) + ‘Spread’ per annum, plus applicable statutory levy, ifany. “Repo Rate" or “Policy Repo Rate” means the rate of interest published by the Reserve Bank of India (“RBI”) on the RBI website from time to time as Repo Rate or Policy Repo Rate Borrower/s Name: ature( Date: GE Place: : a 36 | Reset Period and Reset Date | a) b) . Significant decrease in cre . Inclusion of the Bor |. Degradation of coll For sta nent of the Interest Rate will be The Repo Rave Gay of the third subsequent month from ee which the Facility is first disburse th roorte of the date of disbursement) and every hres Creep heroatler, as a sum of Repo Rate + “Spreaq" rons ne ea statutory levy, if any. The applicable Repo preceding the reset date. rves the right to modify the reset He lena and reset date from time to time in accordance with the extant RBI Guidelines. The Borrower's further Scknowledges that Interest Rate may change, upward or downwards, as the case may be, in line with change in the Repo Rate. revise the Spread once every three (3) veer Som’ the date oF the. frst disbursement, ‘in accordance with the extant RBI Guidelines. Notwithstanding anything contained herein, the Lender reserves the right to reset the Spread at any time upon substantial change in the Borrower's credit assessment and/or on account of deterioration in the credit risk profile. For the purpose of aforesaid clause, substantial changein the Borrower/s’ credit assessment and/ or on account of| deterioration in the credit risk profile shall include without limitation, the following events: dit score of the Borrower/s bya formation company; rrower/s in RBI's willful defaulters list; Deterioration in credit behavior of the Borrower/s with the bender or any other bank or financial institution; i lateral security provided; Non-compliance with any applicable. laws/regulations leading to degradation i Of collateral; or any other Wehen event in the opinion of ICICI Bank, constituting or which may constitute, Substantial change in the 0 edit assessment and, ioration in the care coat nt and/ or deterioration in credi For Fixed for months and then Adjustable Interest Rate: The Repo Rate com il ponent of the Interest Rate will be the roeythe fist day of the third Subsequent month from (irrespecting i ythich the Facility is first disbursed veep : me of the date of disbursement) and every three oe appt eaten as,2 SUM of Repo Rate + “Spread”, Rate shall be satutory levy, if any. The applicable Repo eeceding thereset dats, Prevailing one Business Day frequen, gcserves the right to modify the reset with the extant Reg, fate from time to time in acceedance acknowleaee BI Guidelines, The Borrower/s further, downwards os Net Interest Rate may change, upward oF Repo Rate. ©, In line with change inthe ICIcl Ba years ror Tevise the case may b prea id once every three (3) © date of the first disbursement aaccordance with the extant RBI Guidelines. Notwithstanding anything contained herein, the Lender reserves the right to reset the Spread at any time upon substantial change in the Borrower's credit assessment and/or on account of deterioration in the credit risk profile. For the purpose of aforesaid clause, substantial change in the Borroworls’ credit assessment and/ or on account of] deterioration in the credit risk profile shall include without limitation, the following events: a) Significant decrease in credit score of the Borrower/s by a credit information company; b) Inclusion of the Borrowerls in RBI's willful defaulters list, ©) Deterioration in credit behavior of the Borrower/s with the Lender or any other bank or financial institution; d) Degradation of collateral security provided; e) Non-compliance with any applicable laws/regulations leading to degradation of collateral; any other reason/event in the opinion of ICICI Bank, constituting or which may constitute, substantial change in the Borrower's credit assessment and/ or deterioration inthe credit isk profile 7 [Tenor Months (Subject to change with a change in Interest Rate, Ineases of Adjustable Rate of Interest). 8 JEM @) (The amount of EMI may be subject to modifications Based on the date of disbursement, repayment cycle, system calculations or changes in Interest Rate ). 9 | Date pf Commencement of EMI 10 | Due Date of payment of first EMI 11 [Mode of Communication of The Borrower shall be deemed to have notice of changes in the Changes in Interest Rate Repo Rate when displayed on the notice board of the Branch or displayed on ICICI Bank's website (www.icicibank.com) and the Borrower's liable to pay such revised rate of interest. ‘Any change in ‘Spread’ would be communicated by ICICI Bank through either: (i) Letter (ii) E-Mail (ji) SMS (jv) Statements of ‘Accounts (v) WhatsApp or any other suitable mode. 12 |on application Non-refundable |The processing fee is a onetime nonrefundable fee, and is proceeaing foo 2 ° collected by ICICI Bank for the purpose of (Rupees ‘ appraising the Application for the Facility and the same is ——————_ndependentof the outcome /result of such appraisal. sayy __ Please note that the processing fee is payable at the time of 'y) submitting of Application Form, duly filled in, by way of a Cheque 7 Demand Draft payable at favoring ICICI Bank Limited and /or such othermode as may be acceptable to ICICI Bank 13 |CERSAI Charges For Registration of security created in favour of ICICI Bank: «When Facility amountis equal to. 5 lacs orlesser: 50 plus applicable taxes © When facility amounts greater than &. 5 lacs: € 100 plus applicable taxes 8dification and satisfaction of security createg] The charges for modifica Tt when applicable, shall be levied ag in favour of the Lender, if licable law. 1 Per curront charges and any revisions thereof, kindly refer to tho applicable rules, regulations, and notifications etc, issueq SAI. PHC SENGAI charges mentioned above are non-refundable, statutorily regulated and are subject to change as per applicabje| law. Other Charges (During the Term of Loan) 1 | Cheque/ECS dishonour, %500/- or such other amount as may be specified by ICICI Bank Charges, per transaction from time to time plus applicable taxes and other statutory levies 2 | Documents Retrieval Charges | © 500/- plus applicable taxes and/or other statutory levies 3 | Prepayment Charges + Nilfor Home Loan, Land Loan and Home ImprovementLoan with floating rate of interest. + 2% plus applicable taxes on principal outstanding* on full repayment of Home Loan, Land Loan, Home Improvement Loan & Top Up on Home Loan with fixed rate ofinterest. | + 2% plus applicable taxes on principal outstanding” on ful repayment of Top Up on Home Loan if the end use is for business purpose + Nilfor Non Home Loan** with floating rate of interest and the end use is other than business purpose. + 4% plus applicable taxes on principal outstanding’ on full repayment of Non Home Loan*" ifthe end use is for business | purpose | + 4% plus applicable taxes on principal outstanding* on full repayment of Non Home Loan** with fixed rate of interest. * Current principal outstanding and all amounts tendered by the | borrower towards prepayment of the Facility during the last one year from the date of final prepayment ** Home Equity Loan/Home Equity Enhancement Loan, Office Premises Loan, Lease Rental Discounting Loan and Top up| loan on any ofthese products. NIL for all loans. The minimum part pre-payment amount should 4 | Part Prepayment Fees bean amountequivalentto 1 EMI, 5 | Conversion Charges i. For Floating rate to Floating rate, Initial fixed rate to Floating rate or Floating to Initial fixed rate - 0.5% of the principal outstanding plus applicable taxes Fixed to floating rate for the entire tenor of the facility : 1.75% of the principal outstanding plus applicable taxes 6 [Penalty for delayed payment | Additonal interest :2% per month plus applicable taxes any. 7 [Cheque / Repayment Mode % 500/- (Rupees Five Hundred i or swap charges other statutory levies fany. red Only) plus applicable taxes 8 | Administrative Charges < $000/- (Rupees Five Thousand only) plus applicable taxes of 0.25% of the sanction amount os statutory loviesifany. int plus applicable taxes or ot ie Administrative charges are a ‘one-time non refundable ra" ges collected by the Lender for the purpose of appraising luation and legal verification of property to ascertain =)a Suitability of accepting the property for mortgage and the same 's independent of the outcome /result of such appraisal. Please Rote that tho administrative charges are payable at the time of disbursement of the Facility 9 [CIBIL Report Charges. 50 (Rupees Fifty Only) plus applicable taxes or other statutory levies ifany. 40 | Charges for duplicate NOC 7 No due certificate 11 | Charges for revalidation of & 100 (Rupees Hundred Only) plus applicable taxes or other statutory levies ifany. ® 100 (Rupees Hundred Only) plus applicable taxes or other Noc statutory leviesifany. 42 | Details of Security / Collateral | Property Address: obtained Area; ______Area type:Carpet. Built-up] J Unit: Sq. Mt, SqFt Sq. Yards I 48 | Date on which annual ‘Onrequest outstanding balance statement will be is ued Service Deliverable Processing Turn Around Time Peeesoaee nt ater) DETAR y Time (TAT) Physical Welcome Letter Post Disbursement of Loan 15 days 2 days List of Documents 15 days [Copy of Property Documents 15 days Foreclosure Statement 15 days : [Amortization Schedule 7 days 1 days [Statement of Account 7 days: 4 days 7 : B days (Post Loan lo Objection Certificate (NOC} Closure Date) Income Tax Certificate 5 days 1 days Reschedulement Letter - Conversion/Part Payment Sane an Payment through Cash) Reschedulement Letter - Conversion/Part Payment Naays eae (Payment through Cheque) Reschedulement Letter - Part Payment (Payment, ean aune through Call Centre) [Handover of Original Property documents 15 days 5 Note : Except for welcome letter, the turn around time of all other deliverables is post registration of service request. All days are considered as working days for turn around time. Note: 1. Goods & Services Tax & other govt. taxes, levies, etc. applicable as per prevailing rate will be charged over and above these charges. . Sri : 2, The charges mentioned above under the title ‘Other Charges’, comprise of “All — in — cost” for 2, Rrmeoremesha healer gn gent wih Crt oman Brox fe Limited (CIBIL) and with such other agenoylies. 10The Borrower!s acknowledge that: - ; 4. The Borrower/s have not made any payments in cash, bearer cheque or kind along with or in connection with this application to the executive collecting the Borrower/s application form, other than the processing fee payable to ICICI Bank Limited 2. The Borrower/s have received, read, understood and signed a copy of the Standard Terms ICICI Bank reserves the unconditional right to cancel the Limits advanced/ to be advanced under the ‘Transaction Documents (either fully or partially) without giving any prior notice to the Borrower, on the occurrence of any one or more of the following: . ; a) in case the Limits/part of the Limits are not utilized by the Borrower in accordance with the Standard Terms; or | b) incase of Deterioration in the Creditworthiness of the Borrower in any manner whatsoever; or ¢) incase of non-compliance of the terms and conditions of the Transaction Documents. For the purpose of this clause, Deterioration in the Creditworthiness shall mean and include without limitation, the following events: a) downgrade of the rating of the Borrower by a Credit Rating Agency; b) inclusion of the Borrower and/or any of its Directors in the Reserve Bank of India's willful defaulters list; ©) closure ofa significant portion of the Borrower's operating capacity; d) decline in the profitafter tax of the Borrower by more than fifteen percent; e) any adverse comment from the Auditor; and f) any other reason/ event in the opinion of ICICI Bank constituting or which may constitute Deterioration in the Creditworthiness. We have fully read and understood the above mentioned terms and agree and accept the same. Borrower/s Name: Signature(s): | Date: "1MOST IMPORTANT INFORMATION & KEY FACT SHEET ON INSURANCE We hereby confirm that: a) We have been informed that availing insurance plan along with the mortgage loan is NOT mandatory b) IWe are aware that the insurance plan that is being availed by me/us has NO impact on ‘outcome of the loan application appraisal )_ We would like to opt for the insurance plans offered by ICICI Prudential Life Insurance Company Limited and ICICI Lombard General Insurance Company Limited 2) Inve have carefully read and understood the terms and conditions of the insurance plan opted by me/us. e) We have voluntarily availed the below mentioned insurance plan and is/are aware that the mortgage loan facility is available without the insurance as well f) We are aware of the following details in respect to the insurance plan opted by me/us g) The coverages are provided under different products and the customer has the choice of purchasing any one or all the products as per his/her need and choice. There is no compulsion whatsoever that these products are to be taken together. Premium and Policy Tenure Details: . Paid Te Insurance Cover Availed ‘ceutosir (in'vourey# ‘Sum Assured ICICI Pru Super Protect Credit Income Protect (Critical Iliness) Income Protect (Major Surgical Procedures) Group Health Insurance Merchant Cover Ill Insurance Policy Comprehensive Home Insurance Policy “Mention the actual Premium Paid #Mention the Tenure Availed Signature of Co-Applicant Signature of Main Applicant Dated: Place: Near Chakli Circle, Old Padra Road, ICICI Bank Tower, dl (GIGI Bank Limited with registered Of <1 g9qpLcoZ1012) is a Corporate Agent (Composite, IRDA! mean GRO? vel ti S03 2022) of Ie fs oe ee General respectively. Purchase by it i jilment eaneral Insurance products ae unde products is purely voluntary, and is not linked to availment jank’s customer of . Of any other facility from ICICI Bank. T&C APY 12FACT SHEET OST IMPORTANT INFORMATION & KEY m CUSTOMER'S COPY Attention: PLEASE READ CAREFULLY BEFORE SIGNING ACKNOWLEDGMENT FORM _ Loan Account No. (LAN No.): (For Office Use Only) d by us with ICICI Bank Limited. ferto the Facility Agreement dated _ execute N E TVG Raeo been proviged with the following MITC and Key Fact Statement, which containes the most important information, with respect to the Facility. 1 | Facility Agreement Date 2 | Facility Amount (®) No Exceeding 3 | Facility Type Home Loan Land Loan Office Premises ] Home Equity Home Improvement Others: (Please Specify) Other 4 | Rate Type a. |Fixed b. Adjustable Interest Rate c. [__lnitial Fixed & then Adjustable Interest Rate 5 | Rate of Interest a) Fixed Rate of Interest : Applicable rate of interest for the Facility is % (fixed) per annum plus applicable interest tax and/or other statutory levy. b) Adjustable Interest Rate: The Adjustable Interest Rate applicable to the Facility shall be the sum of Repo Rate *+ ‘Spread’ per annum, plus applicable statutory levy, if any ("Interest Rate") For the first disbursement under the Facility, the applicable Repo Rate shall be the rate prevailing one Business Day preceding the date of the disbursement and for subsequent drawls, the Repo Rate prevailing for the Facility shall be applicable. *"Repo Rate” or “Policy Repo Rate” means the rate of interest published by the Reserve Bank of India ("RBI") on the RBI website from time to time as Repo Rate or Policy Repo Rate. . As of the date of this Agreement the Repo Rate = % and spreadis % ©) Fixedfor months and then Adjustable Interest Rate For the fixed period of. months, applicable interest rate shall be as specified under (a) above; Once the interest gets converted into Adjustable Interest Rate, the applicable interest rate shall be sum of the Repo Rate * (prevailing on the date of conversion) + ‘Spread’ per annum, plus applicable statutory levy, ifany. *'Repo Rate" or “Policy Repo Rate” me: i a ans the rate of interest Published by the Reserve Bank of India ("RBI") on the RBI website from time to time as Repo Rate or Policy Repo Rate Borrower/s Name: ~ a [somueor | Date: ld] i PP) 13 ——___—_6 [Reset Period and Reset Date b) . Significant decrease in credit score of the Borrower/s by a . Inclusion of the Borrower/s in RBI's willful defaulters list; . Deterioration in credit behay |. Degradation of collateral security provided; | . Non-compliance with any applicable laws/regulations | For Adjustable Interest Rate: The Repo Rate component of the Interest Rate will be feset on the first day of the third subsequent month from the month in which the Facility is first disbursed (irrespective of the date of disbursement) and every three Months thereafter, as a sum of Repo Rate + "Spread’, plus applicable statutory levy, if any. The applicable Repo Rate shall be the rate prevailing one Business Day Preceding the reset date. ICICI Bank reserves the right to modify the reset frequency and reset date from time to time in accordance with the extant RBI Guidelines. The Borrower/s further acknowledges that Interest Rate may change, upward or downwards, as the case may be, in line with change in the. Repo Rate. ICICI Bank may revise the Spread once every three (3) years from the date of the first_disbursement, in accordance with the extant RBI Guidelines. Notwithstanding anything contained herein, the Lender | reserves the right to reset the Spread at any time upon | substantial change in the Borrower's credit assessment | and/or on account of deterioration in the credit risk profile. | For the purpose of aforesaid clause, substantial change in | the Borrower/s' credit assessment and/ or on account of deterioration in the credit risk profile shall include without | limitation, the following events: credit information company; of the Borrowers with the Lender or any other bank or financial institution; leading to degradation of collateral; or any other| reason/event in the opinion of ICICI Bank, constituting or which may constitute, substantial change in the, Borrower's credit assessment and/ or deterioration in the | credit risk profile. | For Fixed for months and then Adjustable Interest Rate: The Repo Rate component of the Interest Rate will be reset on the first day of the third subsequent month from the month in which the Facility is first disbursed] (irrespective of the date of disbursement) and every three months thereafter, as a sum of Repo Rate + “Spread”, | plus applicable statutory levy, if any. The applicable Repo Rate shall be the rate prevailing one Business Day preceding the reset date. ICICI Bank reserves the right to modify the reset frequency and reset date from time to time in accordance with the extant RBI Guidelines. The Borrowers further acknowledges that Interest Rate may change, upward or downwards, as the case may be, in line with change in the Repo Rate. ICICI Bank may revise the Spread once every three (3) years from the date of the first disbursement, in 14accordance with the extant RBI Guidel es, it ing contained herein, the Lender Notwithstanding #1 Tocet the Spread at any time upon reserves We nange in the Borrower's credit assessment aforesaid clause, substantial change Fe in pups fagotto ay eran ana rieieroration in the oredit risk profile shall include without limitation, the following events: a %) “significant decrease in credit score of the Borroworls by a creditinformation company; b) Inclusion of the Borrowerls in RBI's wilful ulters ist; : °) cefauleration in credit behavior of the Borrower/s with the Lender or any other bank or financial institution; . d) Degradation of collateral security provided; @) Non-compliance with any applicable laws/regulations leading to degradation of collateral; - . any other reasonievent in the opinion of ICICI Bank, constituting or which may constitute, substantial change in the Borrower's credit assessment and/ or deterioration inthe credit risk profile 7 |Tenor Months (Subject to change with a change in Interest Rate, incases of Adjustable Rate of Interest). 8 | EMI () (The amount of EMI may be subject to modifications based on the date of disbursement, repayment cycle, system calculations or changes in Interest Rate ). 9 | Date pf Commencement of EMI 40 | Due Date of payment of first EMI 11 | Mode of Communication of The Borrower shall be deemed to have notice of changes in the Changes in Interest Rate Repo Rate when displayed on the notice board of the Branch or displayed on ICICI Bank's website (www.icicibank.com) and the Borrowers liable to pay such revised rate of interest. Any change in ‘Spread’ would be i 9 communicated by ICICI Bank through ether: (0) Letter (ii) E-Mail (ii) SMS (iv) Statements of alsa ints (v) WhatsApp or any other suitable mode. | In application Non-refundable |The ir processing fee *& collected by roi) pete Nonrefundable fee, and | (Rupees. appraising the “Applica Bank for the purpose of] -——_________—_independentofthe surenon, for the Facility and the same is| a lutcome /result of such appraisal. | only) Please note that Cf | submitting otAppleanereessing fee is payable at the time of] Demand oak! orm, duly filledin, by way of a Cheque | BankLimitedand pees. st "favoring ICIC!| ICICI Bank ‘Such other mode as may be acceptable! 13 |CERSAI Charges hen facility am applicable tones US Greater than. 5 lacs: & 100 PS es 15The charges for modification and satisfaction of security freated in favour of the Lender, if and when applicable, shall be levied as per applicable law. For current charges and any revisions thereof, kindly refer to the applicable rules, regulations, and notifications etc., issued by CERSAI The CERSAI charges mentioned above are non-refundable, Statutorily regulated and are subject to change as per applicable law, Other Charges (During the Term of Loan) ChequelECS dishonour, Charges, per transaction & 500/- or such other amount as may be specified by ICICI Bank from time to time plus applicable taxes and other statutory levies Documents Retrieval Charges &'500/- plus applicable taxes and/or other statutory levies Prepayment Charges Nil for Home Loan, Land Loan and Home Improvement Loan with floating rate of interest. 2% plus applicable taxes on principal outstanding” on full repayment of Home Loan, Land Loan, Home Improvement Loan & Top Up on Home Loan with fixed rate of interest. + 2% plus applicable taxes on principal outstanding” on full repayment of Top Up on Home Loan if the end use is for business purpose + Nil for Non Home Loan** with floating rate of interest and the end useis other than business purpose. + 4% plus applicable taxes on principal outstanding’ on full repayment of Non Home Loan" ifthe end use is for business purpose + 4% plus applicable taxes on principal outstanding” on full repayment of Non Home Loan** with fixed rate of interest. * Current principal outstanding and all amounts tendered by the borrower towards prepayment of the Facility during the last one year from the date of final prepayment ** Home Equity Loan/Home Equity Enhancement Loan, Office Premises Loan, Lease Rental Discounting Loan and Top up loan on any of these products. i 4 | Part Prepayment Fees NiL forall loans. The minimum part pre-payment amount should bean amount equivalentto 1 EMI. 5 Conversion Charges i. For Floating rate to Floating rate, Initial fixed rate to Floating rate or Floating to Initial fixed rate - 0.5% of the principal ‘outstanding plus applicable taxes li, Fixed to floating rate for the entire tenor of the facility : 1.75% ofthe principal outstanding plus applicable taxes Penalty for delayed payment ‘Additonal Interest : 2% per month plus applicable taxes if any. Cheque / Repayment Mode swap charges @ 500/ (Rupees Five Hundred Only) plus applicable taxes or other statutory levies if any. Administrative Charges % 5000/- (Rupees Five Thousand only) plus applicable taxes or 0.25% of the sanction amount plus applicable taxes or other tory levies ifany. sadmninistrative charges are a one-time non refundable charges collected by the Lender for the purpose of appraising the valuation and legal verification of property to ascertain 16erty for mortgage and the same ie result of such appraisal. Please tharges are payable at the time of suitability of accepting the pr is independent of the outcom note that the administrative o! disbursement of the Facility 9 | CIBIL Report Charges. 50 (Rupees Fifty Only) plus applicable taxes or other statutory levies ifany. 10 | Charges for duplicate NOC / = 100 (Rupees Hundred Only) plus: applicable taxes or other No due certificate statutory levies if any. 11 | Charges for revalidation of = 100 (Rupees Hundred Only) plus applicable taxes or other NOC statutory levies if any. 12 | Details of Security / Collateral Property Address: - obtained Area: Area type:Carpet [| Built-up[__ Unit: Sq. Mt. Sq.Ft. ‘Sq. Yards ] 13 | Date on which annual Onrequest outstanding balance statement will be issued Service Deliverable Processing Turn Around Time Deliverable Processing Turn Around| DO OUT) Tau) Physical Email ‘Welcome Letter Post Disbursement of Loan 15 days 2 days List of Documents 15 days - [Copy of Property Documents 15 days Foreclosure Statement 15 days [Amortization Schedule 7 days days ‘Statement of Account 7 days days No Objection Certificate (NOC) 8 days (Post Loan Closure Date) income Tax Cerificate 5 days Tdays Reschedulement Letter - Conversion/Part Payment (Payment through Cash) 5 days 2 days Reschedulement Letter - Conversion/Part Payment (Payment through Cheque) M1 daya 8 days Reschedulement Letter - Part Payment (Payment through Call Centre) 6 days 3 days Handover of Original Property documents 15 days Note : Except for welcome letter, the turn arot registration of service request. All days are con: und time of all other delive i d r erables is post sidered as working days for turn around time. Note: 1 2. 3. Goods & Services Tax & other govt, taxes, le ; chargedoverandabovethese charges. © @PPlicable as per prevailing rate will ° The charges mentioned above under the title ‘Other Charges purpose of processing the application, '@"ges', comprise of “All — in — cost’ We share credit performance details of your loan i Limited (CIBIL) andwith such other agencyiigs, Ut With Credit Information Bureau of india 7‘The Borrowers acknowledge th The Borrower/s have not made any payments in cash, bearer cheque or kind along with or in connection with this application to the executive collecting the Borrower/s application form, other than the processing fee payable to ICICI Bank Limited The Borrower/s have received, read, understood and signed a copy of the Standard Terms ICICI Bank reserves the unconditional right to cancel the Limits advanced! to be advanced under the Transaction Documents (either fully or partially) without giving any prior notice to the Borrower, on the occurrence of any one or more of the following: a) in case the Limits/part of the Limits are not utilized by the Borrower in accordance with the Standard Terms; or b) incase of Deterioration in the Creditworthiness of the Borrower in any manner whatsoever; or c) incase ofnon-compliance of the terms and conditions of the Transaction Documents. For the purpose of this clause, Deterioration in the Creditworthiness shall mean and include without limitation, the following events: a) downgrade of the rating of the Borrower by a Credit Rating Agency; b) inclusion of the Borrower and/or any of its Directors in the Reserve Bank of India's willful defaulters list; ¢) closure ofa significant portion of the Borrower's operating capacity; d) decline in the profit after tax of the Borrower by more than fifteen percent; e) any adverse commenttrom the Auditor; and f)_ any other reason/ event in the opinion of ICICI Bank constituting or which may constitute Deterioration in the Creditworthiness. Ie have fully read and understood the above mentioned terms and agree and accept the same. Borrower/s Name: ite: Signature(s): | oe ae 18an + tobe stamped as an affidavit cum, undertaking as per the stamp duty applicable in the concerned State) AFFIDAVIT cum UNDERTAKING fH (Applicable when financial assistance is applied for purchase of constructed property) 1, We have availed financial assistance in the nature of from ICICI Bank Limited (“ICICI Bank Limited”, which expression shall, unless it be repugnant to the subject or context thereto, include its successors (Rupees, (the “Facility”) for the purpose of purchase of built-up house / flat / building at ' and assigns) not exceeding &. | 2. The aforesaid built-up house / flat / building has been constructed as per the sanctioned plan / building bye4aws and completion certificate has been obtained / is yet to be obtained. oR As per the local laws applicable in , for the construction /development of the built-up house/ flat/ building, a sanction plan is not required from the competent authorities of the said locality. 3. (We have declare that I/We shall use the Property for residential purposes only. ‘Inthe event We fail to comply with the terms of this affidavit, ICICI Bank Limited shall be entitled to ‘Neat such failure as an event of default under the agreement relating to the Facility and recall the entire "ecilty along with the applicable interest, costs and other charges, without affecting its other rights and remedies, Sclemnly declared at this. day of 200. Before Me i. (Notary ) ANNEXURE (Please attach copy of sanctioned plan) 19| | | | Format for end use letter from Resident Indian borrower/5- (Date) To, ‘The Manager, ICICI Bank Ltd. Dear Sir, ‘Sub: Application for Loan Facility for Ancillary Purpose. submitted by me/us to ICICI We, refer to the Application No.__dated | Bank, do hereby solemnly Facility) from ICICI Bank Limited (ICICI Bank) for availing a Loan Facility (the Facility) from I affirm and declare as follows, ‘The Facility is for the purpose of: Business Education Purchase of property Renovation/Repair Medicaltreatment Agricultural Activities Allied Activities Other personal need lffor other personal need, specify: ooooo0000 We hereby represent warrant and confirm that the aforesaid purpose is a valid purpose and also agree and undertake to utilize the Facility only for the above mentioned purpose and that the Facility shall not be used for any illegal and/or antisocial and/or speculative purposes / and or any other purposes which 's prohibited including tbut not limited to participation in stock markets / IPOs / land purchase / investment in capital market / acquiring equity shares of Indian companies / buyback of shares of India ‘Companies /funding of promoters’ contributionin the project. Iie also declare that funds under the facility will not be used towards purchase of gold in any form, (aeing primary gold, gold bullion, gold jewellery, gold coins, units of gold Exchange Traded Funds (ETF) and units of gold Mutual Funds, etc. ‘We further agree, confirm and undertake that the purpose of use of fu changed in any manner during the tenor of the Faeility; or that such only with the prior written permission of ICICI Bank. nds under the Facility shall not be change in purpose shall take place mplying with all or ie ‘ a Further, We confirm that | shall execute all th 1e necessary docume Bankto do so, at my own costand expenses, ‘ents Whenever in order to confirm the. called upon by ICIC! above. siucenn | Thanking you, Yours sincerely, Applicant Co-applicant(s) pplicant sFormat for end use letter from Non Resident Indian / PIO (Date) To, ‘The Manager, ICICI Bank Ltd. Dear Sir, ‘sub: Application for Loan Facility for Ancillary Purpos We, refer to the Application No. fee . ve TF {GICI Bank) for availing a Coan FAGHiby Gh ec Wom TOTS Bc emited by metus to ICICI Bank dilare es follows. '9 a Loan Facility (the Facility) rom ICICI Bank, do hereby solemnly affirm and “The Facility is for the purpose of: Business. Educe Purchase of property Renovation/Repair Medical treatment Other personalneed Iffor other personal need, specify: oo0000 We hereby represent, warrant and confirm that the aforesaid purpose is a valid purpose and also agree and undertake to utilize the loan only for the above mentioned purpose and that the loan shall not be used for any illegal and/ or antisocial and / or speculative purposes including but not limited to participation in stock markets/ IPOs /land purchase / investment in capital market / acquiring equity shares of Indian companies / buyback of shares of Indian companies / funding of promoters’ contribution in the project. The loan proceeds shall not be used for any other activity where foreign investment is not allowed under FEMA Regulations and the loan amount shall not be remitted outside India. (We dectare that the funds under the facility shall not be utilised, either singly or in association with other person, for any of the activities in which investment by persons resident outside Indias prohibited, namely; the business of chit fund or Nidhi Company or agricultural / plantation /real estate business, or construction of farm houses or trading in Transferable Development Rights (TDRs). be used towards purchase of gold in any form, including units of gold Exchange Traded Funds (ETF) and units of We also declare that funds under the facility will not Primary gold, gold bullion, gold jewellery, gold coins, Gold Mutual Funds, etc. se of funds under the Facility shall not be t the purpose of u ‘change in purpose shall take place only with We further agree, confirm and undertake that orthat such changed in any manner during the tenor of the Facility: the prior written permission of ICIC! Bank. ions of Foreign Exchange Management Act, iicable laws with respect to pure roceeds outside India an 1999 and FEMA Regulations hasing, retaining, using and 1d shall indemnify and keep selling immovable property in India and repartriating Pr‘ indemnified ICICI Bankin that behalf. ra housing loan under the provisions of Income Tax benofits for purpose(s). We hereby ay ‘the Income y agree and confirm that the Tax denote forthe ancillary Tex Act, 1961 will not be available to me in respect jd undertaking(s) will constitute shall execute all the necessary inorder to confirm the \We agree that any breach or default in complying with al of Ay ST 8 event of default undor the Facility Agreement. Further, Wa cone a eo Socuments whenever ealed upon by ICICI Banko do so, atmy own costs penses, ove, Thanking you, Yours sincerely, roe Pplicant Co-applicant(s) 21GUA DECLARATION FOR SIGNING IN VERNACULAR LANGUAGE I, , son/daughter of _________________ adult ang in habitant of g at =| ________—_—_______,do hereby state and declare on solemn affirmation as under: | have read out and explained the contents of this Facility Agreement, the loan documents and all other documents incidental to availing the loan from ICICI Bank Limited to Mr/Ms, sand he he they have understood the same and do hereby agree to abide by all the terms and conditions of the loan and the clauses of the same. Pursuant to the same the Borrower is affixing his signature/ thumb impression herein below. | declare that whatever | have stated here in above is true and correct to the best of my knowledge and belief. Solemnly affirmed at on this day of Name: Signature: ” Relation to Borrower(s): Signature/ Thumb Impression of Borrower(s) Date: 22