DELIVERY ADVICE

To

070057NATRAJ MOBILE AND ELECTRONICS

Valid Upto 15/04/2015

You are requested to deliver the following Commodity to the customer as per the details below:

Customer Name RAMAN DEEP MAHAY

Total Advance Payment to collect from Customer Rs. 8,891.00

1. The Total Advance Payment consists of Processing Fee and Advance EMI.2. The loan documentation has been completed by the Customer. The Dealer is requested to collect the TotalAdvance Payment from the Customer and deliver the Commodity to the Customer.3. Please provide us with the copy of original invoice with signature (Proof of Delivery) so that the disbursal processcan be completed.4. The payment of Balance Amount on Commodity shall be made after deduction, if applicable, of Interest Subsidy /Commission payable by the Dealer.

Regards,

For Home Credit India Finance Pvt. Ltd.

Authorised Signatory

Acknowledgement

Dealer Authorised Signatory with Stamp

* This Delivery advice is valid upto the date mentioned above

V.P.O GHURKA,PHILLAUR,JALANDHAR, Kapurthala, PHILLAUR, Punjab, 144632

-(144632), floor 0Customer's Address

Date 08/04/2015Contract No. 3504287765

Commodity Category / Type Manufacturer/Make Model Name & No. Commodity's PriceSONYMobiles / Mobile phone C3 Rs. 19,700.00

DETAILS

Total Commodity Price Rs. 19,700.00

The loan has been approved by Home Credit India Finance Private Limited (HCIN):

Document DistributionSignature

Consent Form

Application Form

Delivery Advice

Promissory Note

Copy of Identity Proof

Is the Invoice Amount and LoanAmount same? YES

Copy of Income Proof

Full Signature of Customer done andis same on all documents? YES

Cancelled Cheque

Copy of Current Address Proof

Invoice

ECS Form

Vernacular Declaration

Sanction Letter

CHECKLIST - FOR UNSECUREDLOANS

(For Direct Debit)

(For Direct Debit)

Customer

Customer

SA

BO

BO

BO

Customer

SA

BO

Customer

SA

BOCustomer

BO

Dealer

SA

Dealer

Customer BO

Customer Customer

BO

Customer BO

Customer BO

BO

Dealer

Customer BO

DELIVERY ADVICE

To

070057NATRAJ MOBILE AND ELECTRONICS

Valid Upto 15/04/2015

You are requested to deliver the following Commodity to the customer as per the details below:

Customer Name RAMAN DEEP MAHAY

Total Advance Payment to collect from Customer Rs. 8,891.00

1. The Total Advance Payment consists of Processing Fee and Advance EMI.2. The loan documentation has been completed by the Customer. The Dealer is requested to collect the TotalAdvance Payment from the Customer and deliver the Commodity to the Customer.3. Please provide us with the copy of original invoice with signature (Proof of Delivery) so that the disbursal processcan be completed.4. The payment of Balance Amount on Commodity shall be made after deduction, if applicable, of Interest Subsidy /Commission payable by the Dealer.

Regards,

For Home Credit India Finance Pvt. Ltd.

Authorised Signatory

Acknowledgement

Dealer Authorised Signatory with Stamp

* This Delivery advice is valid upto the date mentioned above

V.P.O GHURKA,PHILLAUR,JALANDHAR, Kapurthala, PHILLAUR, Punjab, 144632

-(144632), floor 0Customer's Address

Date 08/04/2015Contract No. 3504287765

Commodity Category / Type Manufacturer/Make Model Name & No. Commodity's PriceSONYMobiles / Mobile phone C3 Rs. 19,700.00

DETAILS

Total Commodity Price Rs. 19,700.00

The loan has been approved by Home Credit India Finance Private Limited (HCIN):

Document DistributionSignature

Consent Form

Application Form

Delivery Advice

Promissory Note

Copy of Identity Proof

Is the Invoice Amount and LoanAmount same? YES

Copy of Income Proof

Full Signature of Customer done andis same on all documents? YES

Cancelled Cheque

Copy of Current Address Proof

Invoice

ECS Form

Vernacular Declaration

Sanction Letter

CHECKLIST - FOR UNSECUREDLOANS

(For Direct Debit)

(For Direct Debit)

Customer

Customer

SA

BO

BO

BO

Customer

SA

BO

Customer

SA

BOCustomer

BO

Dealer

SA

Dealer

Customer BO

Customer Customer

BO

Customer BO

Customer BO

BO

Dealer

Customer BO

APPLICATION FORMContract No. 3504287765 POS Code 070060 SA Code 101956 Date 08/04/2015CLIENT DETAILS Date of Birth

Gender08/10/1989

MaleName RAMAN DEEP MAHAYNIRMAL MAHAYFather's Name Marital Status Single

Dependents 0Number of Children 0Education Masters, PhDJoint Family trueType of House Parental

Document Type IDDOCUMENTSBUEPM8614DPAN card565329403023Unique ID

CLIENTS CONTACT Mobile 9888602144Current Address -(144632), floor 0

V.P.O GHURKA,PHILLAUR,JALANDHAR, NEAR CANERA BANK,RAVIDASS GURUDWARA, Living here since 90/08Permanent Address -(144632), floor 0

FINANCE DETAILSTerm of the Loan 14Number of Adv. EMIs 5Flat Interest Rate

Loan Amount Rs. 19,700.00EMI Amount Rs. 1,660.00Monthly Care Fee Rs. 50.00Payment frequency MonthlyRs. 591.00Processing Fee

Living here sinceV.P.O GHURKA,PHILLAUR,JALANDHAR, NEAR CANERA BANK,RAVIDASS GURUDWARA, 90/08

COMMODITY Product Category / Type Manufacturer/Make Model Name & No. PriceSONYMobiles / Mobile phone C3 Rs. 19,700.00

Account Type

Date of 1st payment

ECS Upper Limit

08/05/2015

REPAYMENT

Bank NameBank Account

OtherAccount Holder

Bank's Branch

Mode

Delivery TypeOver the counter

Salary Payment ModeHousehold Expenses

Additional IncomeHousehold Income Amount of debtsFinancial Situation Salary Day

Rs. 0.00Rs. 7,000.00MONTHLY INCOME & EXPENSES Occupation Income

5 Cash

Rs. 14,000.00Rs. 70,000.00

HOUSEHOLD ASSETS

Office AddressDepartment

01/04/2013

Medicine/HealthEconomical Status

CHAHAL NAGAR,PHAGWARA, NEAR CIVIL HOSPITAL, CHAHAL MEDICAL STORE, Kapurthala, 144401

Company's Name

WORK EXPERIENCE

Employed Since

ProfessionEmployment Type Permanent

IndustrySalaried - Other

0 Doctor/NurseMEDICARE PATH LABS

Total Work

Landline

HEALTH CARE

9872418726 Ext.

MEDICARE PATH LABS, floor 0

Contact Relation Name Contact phone numbersCONTACTSCHANDAN XBrother 8437066305GURWINDER SINGHFriend 8427537685

1.I declare that I am a citizen of India and all the particulars and information given in the application form are true, correct and complete and no information has been withheld/suppressed.2. I have read the application form and I am aware of and agreeable to abide and comply with the terms and conditions of availing loan from Home Credit India Finance Private Limited (HCIN).3. I have no insolvency proceedings against me nor have I ever been adjudicated insolvent.4. I understand that sanction of the whole or part of loan is at the sole discretion of HCIN and upon my executing necessary security (ies) and other formalities as required by HCIN.5. I agree that my loan shall be governed by rules of HCIN, which may be in force from time to time and HCIN shall be entitled to reject my application.6. I agree that HCIN may provide the credit facilities mentioned herein only if permitted and if approved in the manner specified or required by the Reserve Bank of India from time to time. Iagree and understand that HCIN reserves the right to reject this application without assigning any reason (unless required by applicable laws).7. I confirm that loan amount shall not be used for any speculative, illegal, antisocial purpose or for any purpose other than the purpose declared by me.8. I confirm that I have been informed that the loan would be subject to Pre-payment Penalties and other charges.9. I confirm that no suit for recovery of outstanding dues or monies whatsoever and/or criminal proceedings have been initiated and/or pending against me.10. I understand and confirm that the Application Form, photograph and all other documents submitted by me to HCIN shall not be returned to me and HCIN shall have the right to retain thesame.11. I acknowledge that information given in the loan application shall form basis of any loan HCIN may decide to grant me.12. I confirm having received, read and fully understood the terms and conditions applicable to the loan application and accept the terms and conditions unconditionally.13. I hereby confirm that I am competent and fully authorised to give this declaration/ undertaking and to execute and submit this Application Form and all other documents for the purpose ofavailing loan, creation of security and representing generally for all the purposes mentioned/required to be done for these presents.

DECLARATION

Place PHAGWARA08/04/2015Date Applicant's Signature

15.41 % pa

DECLARATION /

To,Home Credit India Finance Private Limited,Gurgaon, Haryana-122003

Ref: Contract ID No. 3504287765 for loan from Home Credit India Finance Private Limited (HCIN)

Dear Sir/ Madam,

With reference to aforesaid contract, I would like to confirm and declare that I can read, write and understand____________________________ (English/ Punjabi/ Both English and Punjabi) as a language.

HCIN Representative has informed and explained me, with clarity, in the ____________________________________ (English/Punjabi/ Both English and Punjabi) language known to me all the terms and conditions for the grant of loan to me, including, thesanctioned loan amount, interest rate payable on the loan amount, the method of calculating interest and the duration for whichinterest are required to be paid and all the contents of the sanction letter, consent form, demand promissory note and of otherdocuments.

HCIN Representative has also informed and explained me, with clarity, in the____________________________________ (English/Punjabi/ Both English and Punjabi) language, all penalties charged on late payment, or non-payment, of loan amount and/ or interestthereon, the charges/ fees that may be charged for services, if any, provided by HCIN to me and the actions, HCIN is entitled to take,in case of any breach of terms and conditions for the loan.

I declare that whatever I have stated hereinabove is true and correct to the best of my knowledge and belief.

Solemnly affirmed on this _____ day of __________ 20___ at _______________________________.

Borrower’s Name_______________________ Borrower’s sign:_______________

3504287765Contract No.Date 08/04/2015To

RAMAN DEEP MAHAY-(144632), floor 0, V.P.O GHURKA,PHILLAUR,JALANDHAR

Sub: Sanction of Loan Amount Rs. 19,700.00Dear Mr/Ms. RAMAN DEEP MAHAYPlease refer to your Loan Application No. 3504287765 dated 08/04/2015 forwarding the captioned application for financial assistance by way ofloan for our consideration. We are pleased to advise that we are agreeable to sanction Loan Amount with following details:

ASSETS Category Manufacturer Model Name & No.TypeSONYMobiles C3Mobile phone

LOAN DETAILSLoan Amount Rs. 19,700.00 Flat Interest Rate 15.41 % pa

Effective Date 08/04/2015

Payment frequency MonthlyEMI Amount Rs. 1,660.00

No. of Advance EMI 5Total No. of EMI 14

Amount Of Adv. EMIs Rs. 8,300.00Date of 1st payment 08/05/2015Date of last payment08/01/2016

Processing Fee Rs. 591.00

Monthly Customer Care Fee Rs. 50.00

OTHER CHARGES & PENALTIES DETAILS

LATE PAYMENT CHARGES (Payment later than the Due Day)Rs. 300.00Past Due 5 daysRs. 400.00Past Due 30 daysRs. 500.00Past Due 60 daysRs. 700.00Past Due 90 days

IMPORTANT INFORMATION1. This offer is valid for 24 Hours from the date of issue unless otherwise extended by Home Credit India Finance Private Limited (HCIN) at its sole discretion.2. Besides the terms and conditions mentioned in this Sanction Letter, the sanction of the Loan Amount shall also be subject to the compliance by the Borrower of the General Terms andConditions registered with Sub-Registrar of Assurances at Gurgaon (Haryana) under the Deed of Declaration having Registration No.7820 dated 26th June 2013 the copy of which has beenprovided along with this Sanction Letter.3. The Repayment Schedule for loan shall be provided on request.4. Monthly Payment consists of EMI and the Monthly Customer Care Fee.5. Total Advance Payment is the aggregate of Advance EMI and Processing Fee.6. The interest on the Loan Amount has been charged at flat rate basis and shall remain fixed during the period of loan.7. The charges and fees mentioned above are inclusive of services tax, duties, statutory fees, charges and other levies imposed by any Government Authority from time to time.8 The late payment penalties are cummulative in nature.9. HCIN reserves the right to revise, from time to time, the amount of penalties, charges and fees at its sole discretion. The revised penalties, charges and fees shall be provided on the websiteof HCIN.The Borrower is requested to visit the website of HCIN for revised charges and fees.10. If the borrower is not satisfied with the terms & conditions of this loan, he/she may terminate this loan agreement by repaying the Outstanding Balance of Loan Amount to HCIN within 15days from the date of this Sanction Letter. No Prepayment Penalty shall be charged to the Borrower in such case, however, the Processing Fee shall not be adjusted against the OutstandingBalance. After 15 days from the date of this Sanction Letter, any prepayment/ foreclosure of the Loan shall be at the sole discretion of HCIN and subject to the specified conditions and paymentof prepayment penalties by the Borrower.11.The Borrower hereby grants permission to the Company to contact him any time between 0700 hours to 2100 hours from Monday to Sunday to discuss the current status of his loan account.He shall inform the Company if some other time is convenient for him by calling our Customer Care at 1800 121 6660.12. In case the Borrower has selected Electronic Clearing Service (ECS) as the mode of paying Monthly Payment, the Borrower is requested to read and understand the procedure andconditions for ECS.13. In case the Borrower has selected “Third Party Cash Collection” as the mode of paying Monthly Payment, such payment shall be made only to the kiosks/ outlets of our authorised repaymentchannels.The details of the nearest kiosks/ outlets of authorised repayment channels cab be collected from the website of respective payment partners or calling at their customer care numbers.Such information can also be gathered from our Customer Care by calling us at 1800 121 6660 or mailing at care@homecredit.co.in. A nominal fee for each transaction shall be payable to theRepayment Channel. The Borrower is requested to update himself with any change in Repayment Channels and their respective fee.14. The event based payments (including charges, fees and penalties) can also be paid to HCIN through "Third Party Cash Collection" mode or through "Net Banking".The details of Net Bankingare provided at the website of HCIN and can also be gathered from our Customer Care by calling us at 1800 121 6660 or mailing at care@homecredit.co.in.15. HCIN shall, on receipt of request in writing from the Borrower, send the No Objection Certificate within 30 days of receipt of such request on payment of applicable charges provided theBorrower has paid all dues to HCIN.16. For any query on your Loan Account, please write in to us at care@homecredit.co.in with complete details (i.e. Contract ID, Name of the Applicant and Details of the query) or call us at 1800121 6660.

Monthly Payment Rs. 1,710.00 08Due Day

5.00 % of Future principal (not allowed before 4 months)Prepayment PenaltyRs. 200.00ECS/Direct Debit Swap FeeRs. 300.00ECS/Direct Debit Dishonour Penalty

AUTHORIZED SIGNATORY

I hereby confirm that I have read and understood clearly the General Terms and Conditions pertaining tothe Personal Loans and POS Loans registered with Sub-Registrar of Assurances at Gurgaon (Haryana)under the Deed of Declaration having Registration No.7820 dated 26th June 2013 and the terms andconditions mentioned in this Sanction Letter and undertake to abide by these terms and conditions duringthe tenure of the Loan. I confirm that I have received the copy of the General Terms and Conditions.

Please put your signature as token of your acceptance of all the above terms and conditions.We value your relationship with us and assure you of our best services at all times.

Best RegardsFor Home Credit India Finance Pvt. Ltd.

Borrower's Name:

Date:

Place: PHAGWARA

08/04/2015

RAMAN DEEP MAHAY

Note: This is a computer generated document and therefore does not require the signature from the Company.

Borrower's Signature:

Unique Customer Identification Code 336100

Transaction fee of Rs. 30.00 will be payable in addition to the monthly payment in case payment is made through State Bank Of IndiaBranches.

PHILLAUR, Kapurthala, Punjab, 144632

(keep this in your wallet for easy reference)REPAYMENT DETAILS

Dear Customer, thank you for choosing Home Credit as your finance partner for

Contract No.:Monthly Payment Due Day: 8th of every month till 08/01/2016

Monthly Payment Amount:

For any query with Home Credit, please call us on 1800 121 6660 or email us at care@homecredit.co.in

3 5 0 4 2 8 7 7 6 5

How to make an easy payment:1. If you choose to pay in CASH option:

of every month to allow for the transaction time.• Please input the correct contract number i.e. 3504287765

• Add the above mentionedtransaction fee to your Monthly Payment amount i.e.

while making the payment.• Please make the payment at least 2 days before the Due Day i.e. 8th

• Penalty (starting from Rs. 300/-) will be levied where the full payment is received after the Due Day.

Payment Channels Website Mode Transaction Fee*

SBI

EASY BILL

ITZ

www.onlinesbi.in

www.easybillindia.com

www.itzcash.com

Payment at branches using Power Jyoti

Agent based Outlets

Agent based Outlets

Rs. 30/- (incl. Taxes)

Rs. 20/- (Incl. Taxes)

Rs. 20/- (Incl. taxes)

2. If you choose to pay through Electronic Clearing Service (ECS Debit) option:

• Penalty ( starting from ) will be levied where the full payment is received after the Due Day i.e.Rs. 300/- 8th

(*) subject of change, please refer our website

(inclusive).

12th

of every month.

while making the payment.

Rs. 1,710.00

Rs. 1,710.00

AXIS BANK www.axisbank.com Payment in branches using Easy Pay Rs. 23/- (Incl. Taxes)

www.suvidha.comSUVIDHAA Rs. 28/- (incl. Taxes)Agent based Outlets

• Without payment deposit receipt your payment is not valid. Please maintain your payment receipt with correct details for future references.

(e.g. please add the transaction fee of Rs. 23 along with your Monthly Payment amount if you pay the money through Axis Bank)

• Maintain sufficient balance in your bank account at least 2 days before the Due Day on 8th of each month and keep it till

• Additional Penalty will be charged by your bank in case of transactions bounced due to insufficient funds.• Dishonor of ECS instruction due to insufficiency of funds can be considered as a criminal offence

right to initiate appropriate legal proceeding against the defaulters in such cases.• Please inform Home Credit one month in advance in the event of any change in the bank details.

and the Company reserves the

350428776

8 1710/-

1710/-

1710/-

8

8

to avoid dishonor of ECS instruction.

INDIA POST www.indiapost.gov.in Rs. 28/- (incl. Taxes)Payment at post offices (E-Payment)

• If the Customer wants to pay through cash pick channel (i.e. CPU Fee), he has to raise request to the Company in advance providingclearly the time and place of making such payment. This facility shall be provided in a limited geographical jurisdiction and subject toavailability of staff/ representative with Home Credit. No amount shall be collected unless the Customer pays cash pick-up fee along withMonthly Payment.

CPU fee www.homecredit.in Cash pickup Rs. 25/- (Incl. taxes)

CASH PAYMENT PROCEDURE

o Pay the monthly amount along with the transaction fee of Rs.23o Deposit the amount at Cash Countero Collect the signed & stamped Deposit receipt from the cash counter.

o Visit any of nearest SBI branch.

service.

o Visit any of Post office (E-payment facility should be available) for payment.

o Ask for the payment through

* Contract ID in place of Account number* Customer name* Date of deposit* Contact number* Branch name

India POST OFFICES

o Submit this paper along with the payment amount at the counter.o The operator will process the payment and confirm.o Collect the payment deposit receipt from the retailer.

o Please fill up the standard Deposit slip available at Branch.

o

Easy Bill, ITZ Outlet

Write in your details like Contract Number, Company name, Amount + Service fee and Mobile number on apiece of white paper.

Axis Bank- Payment at Bank branch by using “Easy pay” Service

“Easy pay”

o Visit any of nearest agent based EASY BILL & ITZ outlet.o Tell outlet person to make the payment towards Home Credit India loan’s due and tell him contract ID.o Pay the monthly amount along with the transaction fee Rs.20.o Collect the Printed Deposit slip from the Outlet person.o Get an SMS also against the payment made at the outlet.

Customer gets an SMS on its mobile phone containing OTP & the amount entered in the system. If theamount is correct, then please share OTP to the retailer.

After that please provide your e-mail ID and also hand over the monthly payment amount to the retaileralong with transaction fee of Rs. 28.

o Retailer puts OTP in the system and proceed with the transaction.o Collect the Deposit receipt from the retailer.o Gets an SMS also on its mobile phone.

o Visit any of SUVIDHAA outlet for payment.o Carry your mobile phone mandatorily while visiting any of SUVIDHAA outlet for payment.o Please provide your mobile number and contract ID to the retailer.

Suvidhaa Outlet

o

o Once the retailer enters the amount and the other details in system, an OTP is generated.

o

o

SBI - Payment at Bank branch via CASH

* SCREEN NUMBER:8888* FEE TYPE:274* Contract Number (Provided by Home Credit while taking loan/Refer sanction letter)* Date of deposit* Contact number* Branch name* Fill amount (monthly payment amount+ transaction fee along with the denominator)

* SCREEN NUMBER:8888* FEE TYPE:274* Contract Number (Provided by Home Credit while taking loan/Refer sanction letter)* Date of deposit* Contact number* Branch name* Fill amount (monthly payment amount+ transaction fee along with the denominator)

o Pay the monthly amount along with the transaction fee of Rs.30o Deposit the amount at Cash Countero Collect the signed & stamped Deposit receipt from the cash counter.

o Visit any of nearest Axis Bank branch.

o Please fill up the standard Deposit slip available at Branch

o

o Important Information:

1800 121 6660Kindly retain all the payment receipt for your future reference against the transactions.

For any issue or information regarding the payment method please call on our Customer care at

Cash pick-up (CPU)o The Customer has to raise a request with Home Credit clearly specifying the time and place of making

payment through cash pickup. The operator of Home Credit shall explain the terms and conditions of CPUto the Customer and obtain his consent/ confirmation.

o Home Credit’s representative shall visit the place at the time mentioned by the Customer in his request.o The Customer shall be required to pay a fee of Rs.25 for cash pick up along with amount promised to pay

during request failing which, the Cash Pick up facility shall not be provided.Home Credit’s representative shall collect the money from the customer and issue two (2) receipts i.e. onefor cash pick up fee and other for EMI/Promised amount.

o

3504287765Contract No.Date 08/04/2015To

RAMAN DEEP MAHAY-(144632), floor 0, V.P.O GHURKA,PHILLAUR,JALANDHAR

Sub: Sanction of Loan Amount Rs. 19,700.00Dear Mr/Ms. RAMAN DEEP MAHAYPlease refer to your Loan Application No. 3504287765 dated 08/04/2015 forwarding the captioned application for financial assistance by way ofloan for our consideration. We are pleased to advise that we are agreeable to sanction Loan Amount with following details:

ASSETS Category Manufacturer Model Name & No.TypeSONYMobiles C3Mobile phone

LOAN DETAILSLoan Amount Rs. 19,700.00 Flat Interest Rate 15.41 % pa

Effective Date 08/04/2015

Payment frequency MonthlyEMI Amount Rs. 1,660.00

No. of Advance EMI 5Total No. of EMI 14

Amount Of Adv. EMIs Rs. 8,300.00Date of 1st payment 08/05/2015Date of last payment08/01/2016

Processing Fee Rs. 591.00

Monthly Customer Care Fee Rs. 50.00

OTHER CHARGES & PENALTIES DETAILS

LATE PAYMENT CHARGES (Payment later than the Due Day)Rs. 300.00Past Due 5 daysRs. 400.00Past Due 30 daysRs. 500.00Past Due 60 daysRs. 700.00Past Due 90 days

IMPORTANT INFORMATION1. This offer is valid for 24 Hours from the date of issue unless otherwise extended by Home Credit India Finance Private Limited (HCIN) at its sole discretion.2. Besides the terms and conditions mentioned in this Sanction Letter, the sanction of the Loan Amount shall also be subject to the compliance by the Borrower of the General Terms andConditions registered with Sub-Registrar of Assurances at Gurgaon (Haryana) under the Deed of Declaration having Registration No.7820 dated 26th June 2013 the copy of which has beenprovided along with this Sanction Letter.3. The Repayment Schedule for loan shall be provided on request.4. Monthly Payment consists of EMI and the Monthly Customer Care Fee.5. Total Advance Payment is the aggregate of Advance EMI and Processing Fee.6. The interest on the Loan Amount has been charged at flat rate basis and shall remain fixed during the period of loan.7. The charges and fees mentioned above are inclusive of services tax, duties, statutory fees, charges and other levies imposed by any Government Authority from time to time.8 The late payment penalties are cummulative in nature.9. HCIN reserves the right to revise, from time to time, the amount of penalties, charges and fees at its sole discretion. The revised penalties, charges and fees shall be provided on the websiteof HCIN.The Borrower is requested to visit the website of HCIN for revised charges and fees.10. If the borrower is not satisfied with the terms & conditions of this loan, he/she may terminate this loan agreement by repaying the Outstanding Balance of Loan Amount to HCIN within 15days from the date of this Sanction Letter. No Prepayment Penalty shall be charged to the Borrower in such case, however, the Processing Fee shall not be adjusted against the OutstandingBalance. After 15 days from the date of this Sanction Letter, any prepayment/ foreclosure of the Loan shall be at the sole discretion of HCIN and subject to the specified conditions and paymentof prepayment penalties by the Borrower.11.The Borrower hereby grants permission to the Company to contact him any time between 0700 hours to 2100 hours from Monday to Sunday to discuss the current status of his loan account.He shall inform the Company if some other time is convenient for him by calling our Customer Care at 1800 121 6660.12. In case the Borrower has selected Electronic Clearing Service (ECS) as the mode of paying Monthly Payment, the Borrower is requested to read and understand the procedure andconditions for ECS.13. In case the Borrower has selected “Third Party Cash Collection” as the mode of paying Monthly Payment, such payment shall be made only to the kiosks/ outlets of our authorised repaymentchannels.The details of the nearest kiosks/ outlets of authorised repayment channels cab be collected from the website of respective payment partners or calling at their customer care numbers.Such information can also be gathered from our Customer Care by calling us at 1800 121 6660 or mailing at care@homecredit.co.in. A nominal fee for each transaction shall be payable to theRepayment Channel. The Borrower is requested to update himself with any change in Repayment Channels and their respective fee.14. The event based payments (including charges, fees and penalties) can also be paid to HCIN through "Third Party Cash Collection" mode or through "Net Banking".The details of Net Bankingare provided at the website of HCIN and can also be gathered from our Customer Care by calling us at 1800 121 6660 or mailing at care@homecredit.co.in.15. HCIN shall, on receipt of request in writing from the Borrower, send the No Objection Certificate within 30 days of receipt of such request on payment of applicable charges provided theBorrower has paid all dues to HCIN.16. For any query on your Loan Account, please write in to us at care@homecredit.co.in with complete details (i.e. Contract ID, Name of the Applicant and Details of the query) or call us at 1800121 6660.

Monthly Payment Rs. 1,710.00 08Due Day

5.00 % of Future principal (not allowed before 4 months)Prepayment PenaltyRs. 200.00ECS/Direct Debit Swap FeeRs. 300.00ECS/Direct Debit Dishonour Penalty

AUTHORIZED SIGNATORY

I hereby confirm that I have read and understood clearly the General Terms and Conditions pertaining tothe Personal Loans and POS Loans registered with Sub-Registrar of Assurances at Gurgaon (Haryana)under the Deed of Declaration having Registration No.7820 dated 26th June 2013 and the terms andconditions mentioned in this Sanction Letter and undertake to abide by these terms and conditions duringthe tenure of the Loan. I confirm that I have received the copy of the General Terms and Conditions.

Please put your signature as token of your acceptance of all the above terms and conditions.We value your relationship with us and assure you of our best services at all times.

Best RegardsFor Home Credit India Finance Pvt. Ltd.

Borrower's Name:

Date:

Place: PHAGWARA

08/04/2015

RAMAN DEEP MAHAY

Note: This is a computer generated document and therefore does not require the signature from the Company.

Borrower's Signature:

Unique Customer Identification Code 336100

Transaction fee of Rs. 30.00 will be payable in addition to the monthly payment in case payment is made through State Bank Of IndiaBranches.

PHILLAUR, Kapurthala, Punjab, 144632

(keep this in your wallet for easy reference)REPAYMENT DETAILS

Dear Customer, thank you for choosing Home Credit as your finance partner for

Contract No.:Monthly Payment Due Day: 8th of every month till 08/01/2016

Monthly Payment Amount:

For any query with Home Credit, please call us on 1800 121 6660 or email us at care@homecredit.co.in

3 5 0 4 2 8 7 7 6 5

How to make an easy payment:1. If you choose to pay in CASH option:

of every month to allow for the transaction time.• Please input the correct contract number i.e. 3504287765

• Add the above mentionedtransaction fee to your Monthly Payment amount i.e.

while making the payment.• Please make the payment at least 2 days before the Due Day i.e. 8th

• Penalty (starting from Rs. 300/-) will be levied where the full payment is received after the Due Day.

Payment Channels Website Mode Transaction Fee*

SBI

EASY BILL

ITZ

www.onlinesbi.in

www.easybillindia.com

www.itzcash.com

Payment at branches using Power Jyoti

Agent based Outlets

Agent based Outlets

Rs. 30/- (incl. Taxes)

Rs. 20/- (Incl. Taxes)

Rs. 20/- (Incl. taxes)

2. If you choose to pay through Electronic Clearing Service (ECS Debit) option:

• Penalty ( starting from ) will be levied where the full payment is received after the Due Day i.e.Rs. 300/- 8th

(*) subject of change, please refer our website

(inclusive).

12th

of every month.

while making the payment.

Rs. 1,710.00

Rs. 1,710.00

AXIS BANK www.axisbank.com Payment in branches using Easy Pay Rs. 23/- (Incl. Taxes)

www.suvidha.comSUVIDHAA Rs. 28/- (incl. Taxes)Agent based Outlets

• Without payment deposit receipt your payment is not valid. Please maintain your payment receipt with correct details for future references.

(e.g. please add the transaction fee of Rs. 23 along with your Monthly Payment amount if you pay the money through Axis Bank)

• Maintain sufficient balance in your bank account at least 2 days before the Due Day on 8th of each month and keep it till

• Additional Penalty will be charged by your bank in case of transactions bounced due to insufficient funds.• Dishonor of ECS instruction due to insufficiency of funds can be considered as a criminal offence

right to initiate appropriate legal proceeding against the defaulters in such cases.• Please inform Home Credit one month in advance in the event of any change in the bank details.

and the Company reserves the

350428776

8 1710/-

1710/-

1710/-

8

8

to avoid dishonor of ECS instruction.

INDIA POST www.indiapost.gov.in Rs. 28/- (incl. Taxes)Payment at post offices (E-Payment)

• If the Customer wants to pay through cash pick channel (i.e. CPU Fee), he has to raise request to the Company in advance providingclearly the time and place of making such payment. This facility shall be provided in a limited geographical jurisdiction and subject toavailability of staff/ representative with Home Credit. No amount shall be collected unless the Customer pays cash pick-up fee along withMonthly Payment.

CPU fee www.homecredit.in Cash pickup Rs. 25/- (Incl. taxes)

CASH PAYMENT PROCEDURE

o Pay the monthly amount along with the transaction fee of Rs.23o Deposit the amount at Cash Countero Collect the signed & stamped Deposit receipt from the cash counter.

o Visit any of nearest SBI branch.

service.

o Visit any of Post office (E-payment facility should be available) for payment.

o Ask for the payment through

* Contract ID in place of Account number* Customer name* Date of deposit* Contact number* Branch name

India POST OFFICES

o Submit this paper along with the payment amount at the counter.o The operator will process the payment and confirm.o Collect the payment deposit receipt from the retailer.

o Please fill up the standard Deposit slip available at Branch.

o

Easy Bill, ITZ Outlet

Write in your details like Contract Number, Company name, Amount + Service fee and Mobile number on apiece of white paper.

Axis Bank- Payment at Bank branch by using “Easy pay” Service

“Easy pay”

o Visit any of nearest agent based EASY BILL & ITZ outlet.o Tell outlet person to make the payment towards Home Credit India loan’s due and tell him contract ID.o Pay the monthly amount along with the transaction fee Rs.20.o Collect the Printed Deposit slip from the Outlet person.o Get an SMS also against the payment made at the outlet.

Customer gets an SMS on its mobile phone containing OTP & the amount entered in the system. If theamount is correct, then please share OTP to the retailer.

After that please provide your e-mail ID and also hand over the monthly payment amount to the retaileralong with transaction fee of Rs. 28.

o Retailer puts OTP in the system and proceed with the transaction.o Collect the Deposit receipt from the retailer.o Gets an SMS also on its mobile phone.

o Visit any of SUVIDHAA outlet for payment.o Carry your mobile phone mandatorily while visiting any of SUVIDHAA outlet for payment.o Please provide your mobile number and contract ID to the retailer.

Suvidhaa Outlet

o

o Once the retailer enters the amount and the other details in system, an OTP is generated.

o

o

SBI - Payment at Bank branch via CASH

* SCREEN NUMBER:8888* FEE TYPE:274* Contract Number (Provided by Home Credit while taking loan/Refer sanction letter)* Date of deposit* Contact number* Branch name* Fill amount (monthly payment amount+ transaction fee along with the denominator)

* SCREEN NUMBER:8888* FEE TYPE:274* Contract Number (Provided by Home Credit while taking loan/Refer sanction letter)* Date of deposit* Contact number* Branch name* Fill amount (monthly payment amount+ transaction fee along with the denominator)

o Pay the monthly amount along with the transaction fee of Rs.30o Deposit the amount at Cash Countero Collect the signed & stamped Deposit receipt from the cash counter.

o Visit any of nearest Axis Bank branch.

o Please fill up the standard Deposit slip available at Branch

o

o Important Information:

1800 121 6660Kindly retain all the payment receipt for your future reference against the transactions.

For any issue or information regarding the payment method please call on our Customer care at

Cash pick-up (CPU)o The Customer has to raise a request with Home Credit clearly specifying the time and place of making

payment through cash pickup. The operator of Home Credit shall explain the terms and conditions of CPUto the Customer and obtain his consent/ confirmation.

o Home Credit’s representative shall visit the place at the time mentioned by the Customer in his request.o The Customer shall be required to pay a fee of Rs.25 for cash pick up along with amount promised to pay

during request failing which, the Cash Pick up facility shall not be provided.Home Credit’s representative shall collect the money from the customer and issue two (2) receipts i.e. onefor cash pick up fee and other for EMI/Promised amount.

o

PROMISSORY NOTE

Contract No. 3504287765

Rs. 15,390.00

Name RAMAN DEEP MAHAY

Signature

Date 08/04/2015

RevenueStamp

ON DEMAND I/we RAMAN DEEP MAHAY promise to pay to Home Credit India Finance Private Limited ororder, the sum of Rs. 15,390.00 from this date onwards for value received payable at Punjab

Presentment for payment and noting and protest of this are hereby unconditionally and irrevocably waived.