Common use of Parameter Description Clause in Contracts

Parameter Description. Processing Fee 2% + GST (on the sanctioned value). 1% to be collected at the time of sanction and the balance 1% to be collected/deducted at the time of disbursement CERSAI Charges For Loan amount, up to Rs 5 Lacs - Rs 50/- + GST Above Rs 5 Lacs- Rs 100 /- + GST Stamp Duty Charges For Tamil Nadu & Puducherry – Rs. 300/- + GST For AP Rs. 700/- + GST, Telangana - Rs. 725/- + GST , Karnataka – Rs. 625/- + GST, and Orissa –Rs.700/+ GST. Administrative Charges For Loan amount, up to Rs 5 Lacs - Rs 200/- + GST Above Rs 5 Lacs- Rs 400 /- + GST Cheque/ECS/ACH bounce charges Rs 500 /- + GST per instance Penal Interest on delayed EMI Payment 36% per annum Field Visit Charges Rs 250 per visit + GST MODT Registration Actual charges to be paid by customer for registration Legal Recovery Charges Actual amount spent towards the legal action to be paid by customer. Disbursement Cancellation PEMI/EMI collected upto loan cancellation date will not be refunded Unapproved Loan Processing Fee will be refunded. PDC & NACH Conversion(Swap) charges (Per Instance) :Swap, Due to Bank clearance issue / Technical reason of bounces: Rs. 1000/- + GST is applicable Nil Charges NIL PDC Charges Rs.500/- +GST per month SOA / Closure Statement / Amortization charges Rs. 250/- + GST per request, NIL charges on Amortization requests received for first time Document Retrieval Charge Rs. 1000/- + GST as applicable Document Copy Charges Rs. 500/- + GST as applicable Valuation / Technical Report Rs. 1000/- + GST on 1st Disbursement (for loan upto Rs. 10 Lacs) Rs. 2000/- + GST on 1st Disbursement ( for loan more than Rs. 10 Lacs Rs. 500/- + GST – for each subsequent disbursement Legal Report Rs. 1000/- + GST(for loan upto Rs. 10 Lacs) Rs. 2000/- + GST( for loan more than Rs. 10 Lacs) Cash Collection Charges Rs. 5/- Per Thousand of Cash collection + GST Document Custodian Fees Rs. 500/- + GST per Month (Chargeable after 30 days of loan tenure completion and if documents is un-collected) Switch/Conversion or change of Interest Rate Floating to Fixed Rate of Interest or Fixed Rate to Floating Rate Up to 2% + GST on the principal outstanding (POS)

Parameter Description. Login fee Rs.3,500/-+ GST(Non-refundable) Processing Fee 2% + Up to 2%+ GST (on the sanctioned valueamount). 1% to , will be collected at /deducted prior to the time of sanction and the balance 1% to be collected/deducted at the time of disbursement as per customer’s discretion, which is non-refundable. CERSAI Charges For Loan amount, up to Rs 5 Lacs - : Rs 50/- + GST Above Rs 5 Lacs- Lacs : Rs 100 /- + GST Stamp Duty Charges For Tamil Nadu & Puducherry – Puducherry: Rs. 300/- + GST For AP Rs. 700/- 400/- + GST, Telangana - Andhra Pradesh, Telangana, Karnataka, Odisha, Maharashtra: Rs. 725/- 775/- + GST , Karnataka – Rs. 625/- + GST, and Orissa –Rs.700/+ GST. Administrative Loan Administration Charges For Loan amount, up to Rs 5 Lacs - Lacs: Rs 200/- + GST Above Rs 5 Lacs- Lacs: Rs 400 /- + GST Cheque/ECS/ACH bounce charges Rs 500 /- + GST per instance Penal Interest Delayed Installment Payment Delayed payment interest : Prevailing rate of interest on delayed EMI Payment 36loan* Overdue charges : 12% per annum annum* + GST *Calculated on Overdue Installment from the due date until payment is made to the company Field Visit Charges Rs 250 250/- per visit + GST MODT Registration Actual charges to be paid by customer for registration Legal Recovery Charges Actual amount spent towards the legal action to be paid by customer. customer Disbursement Cancellation PEMI/EMI collected upto up to loan cancellation date will not be refunded Unapproved Loan Processing Fee will be refunded. PDC & NACH Conversion(Swap) charges (Per InstancePerInstance) :: Swap, Due to Bank clearance issue / Technical reason Technicalreason of bounces: Rs. 1000/- + GST is applicable Nil Charges NIL PDC Charges Rs.500/- +GST per month SOA / Closure Statement / Amortization charges Amortizationcharges Rs. 250/- + GST per request, NIL charges on Amortization requests received requestsreceived for first time Document Retrieval Charge Rs. 1000/- + GST as applicable Document Copy Charges Rs. 500/- + GST as applicable Valuation / Technical Report Fee Rs. 1000/- + GST on 1st Disbursement technical Visit (for loan upto Rs. 10 Lacs) Rs. 2000/- + GST on 1st Disbursement ( technical Visit (for loan more than Rs. 10 Lacs Rs.10Lacs Rs. 500/- + GST – for each subsequent disbursement technical Visit Legal Report Verification charges Rs. 1000/- + GST(for loan upto Rs. 10 Lacs) Rs. 2000/- + GST( for loan more than Rs. 10 Lacs) Cash Collection Charges Rs. 5/- Per Thousand of Cash collection + GST Document Custodian Fees Rs. 500/- + GST per Month (Chargeable after 30 days of loan tenure completion tenurecompletion and if documents is remain un-collectedcollected by the customer) Switch/Conversion or change of Interest Rate InterestRate Floating to Fixed Rate of Interest or Fixed Rate FixedRate to Floating Rate Up to 2% + GST on the principal outstanding (POS)

Parameter Description. Login fee Rs.3,500/-+ GST(Non-refundable) Processing Fee 2% + Initial loan/Top-up: Up to 2%+ GST (on the sanctioned valueamount). 1% to , will be collected at /deducted prior to the time of sanction and the balance 1% to be collected/deducted at the time of disbursement CERSAI Charges as per customer’s discretion, which is non-refundable. CERSAICharges For Loan amount, up Up to Rs Rs. 5 Lacs - Rs 50/- + GST Above Rs Rs. 5 Lacs- Rs 100 /- + GST Stamp Duty Charges For Tamil Nadu & Puducherry – As per applicable state laws# Loan Administration Charges Rs. 300/- + GST For AP Rs. 700/- + GST, Telangana - Rs. 725/- + GST , Karnataka – Rs. 625/- + GST, and Orissa –Rs.700/+ GST. Administrative Charges For Loan amount, up to Rs 5 Lacs - Rs 200/- + GST Above Rs 5 Lacs- Rs 400 /- 1000/- + GST Cheque/ECS/ACH bounce charges Rs Rs. 500 /- + GST per instance Penal Interest Delayed Installment Payment Delayed payment interest : Prevailing rate of interest on delayed EMI Payment 36loan* Overdue charges : 12% per annum Field Visit Charges Rs 250 annum* + GST *Calculated on Overdue Installment from the due date until payment is made to the company Collection follow up Charges(CFC) Rs. 250/- per visit + GST MODT Registration Actual charges to be paid by customer for registration Legal Recovery Charges Actual amount spent towards the legal action to be paid by customer. Disbursement Cancellation PEMI/EMI collected upto loan cancellation date will not be refunded Unapproved Loan Processing Fee will be refunded. PDC & NACH Conversion(Swap) charges (Per Instance) :: Swap, Due to Bank clearance issue / Technical reason of bounces: Rs. 1000/- 500/- + GST is as applicable Nil Charges NIL Nil PDC Charges / Non Mandate Collection for PEMI/EMI charges Rs.500/- +GST per month month. Applicable where we have to follow for payments SOA / Closure Statement / Amortization charges Rs. 250/- 500/- + GST per request, NIL charges on Amortization requests received for first time Document Retrieval Charge Rs. 1000/- + GST as applicable Document Copy Charges Rs. 500/- + GST as applicable Valuation / Technical Report Fee Rs. 1000/- 1500/- + GST on 1st Disbursement technical Visit (for loan upto Rs. 10 Lacs) Rs. 2000/- + GST on 1st Disbursement ( technical Visit (for loan more than Rs. 10 Rs.10 Lacs Rs. 500/- 750/- + GST – for each subsequent disbursement technical Visit Legal Report Verification charges Rs. 1000/- 1500/- + GST(for loan upto Rs. 10 Lacs) Rs. 2000/- 2500/- + GST( for loan more than Rs. 10 Lacs) Cash Collection Charges Rs. 5/- Per Thousand of Cash collection 100/- + GST per receipt Document Custodian Fees Rs. 500/- + GST 500 per Month (Chargeable after 30 days year for number of years the documents are held by Aptus in its custody. It is payable at the time of closure/preclosure of loan tenure completion and if documents is un-collected) Switch/Conversion or change of Interest Rate Floating Rate to Fixed Rate of Interest or Fixed Rate to Floating Rate of Interest Up to 21% + GST on the principal outstanding (POS)

Parameter Description. Login fee Rs.3,500/-+ GST(Non-refundable) Processing Fee 2% + Initial loan/Top-up: Up to 2%+ GST (on the sanctioned valueamount). 1% to , will be collected at /deducted prior to the time of sanction and the balance 1% to be collected/deducted at the time of disbursement as per customer’s discretion, which is non-refundable. CERSAI Charges For Loan amount, up to Rs Rs. 5 Lacs - Rs 50/- + GST Above Rs Rs. 5 Lacs- Rs 100 /- + GST Stamp Duty Charges For Tamil Nadu & Puducherry – As per applicable state laws# Loan Administration Charges Rs. 300/- + GST For AP Rs. 700/- + GST, Telangana - Rs. 725/- + GST , Karnataka – Rs. 625/- + GST, and Orissa –Rs.700/+ GST. Administrative Charges For Loan amount, up to Rs 5 Lacs - Rs 200/- + GST Above Rs 5 Lacs- Rs 400 /- 1000/- + GST Cheque/ECS/ACH bounce charges Rs Rs. 500 /- + GST per instance Penal Interest Delayed Installment Payment Delayed payment interest : Prevailing rate of interest on delayed EMI Payment 36loan* Overdue charges : 12% per annum Field Visit Charges Rs 250 annum* + GST *Calculated on Overdue Installment from the due date until payment is made to the company Collection follow up Charges(CFC) Rs. 250/- per visit + GST MODT Registration Actual charges to be paid by customer for registration Legal Recovery Charges Actual amount spent towards the legal action to be paid by customer. Disbursement Cancellation PEMI/EMI collected upto loan cancellation date will not be refunded Unapproved Loan Processing Fee will be refunded. PDC & NACH Conversion(SwapConversion (Swap) charges (Per Instance) :): Swap, Due to Bank clearance issue / Technical reason of bounces: Rs. 1000/- 500/- + GST is as applicable Nil Charges NIL Nil PDC Charges / Non Mandate Collection for PEMI/EMI charges Rs.500/- +GST per month month. Applicable where we have to follow for payments SOA / Closure Statement / Amortization charges Rs. 250/- 500/- + GST per request, NIL charges on Amortization requests received for first time Document Retrieval Charge Rs. 1000/- + GST as applicable Document Copy Charges Rs. 500/- + GST as applicable Valuation / Technical Report Fee Rs. 1000/- 1500/- + GST on 1st Disbursement technical Visit (for loan upto Rs. 10 Lacs) Rs. 2000/- + GST on 1st Disbursement ( technical Visit (for loan more than Rs. 10 Rs.10 Lacs Rs. 500/- 750/- + GST – for each subsequent disbursement technical Visit Legal Report Verification charges Rs. 1000/- 1500/- + GST(for loan upto Rs. 10 Lacs) Rs. 2000/- 2500/- + GST( for loan more than Rs. 10 Lacs) Cash Collection Charges Rs. 5/- Per Thousand of Cash collection 100/- + GST per receipt Document Custodian Fees Rs. 500/- + GST per Month (Chargeable after 30 days of loan tenure completion and if documents is remain un-collectedcollected by the customer) Switch/Conversion or change of Interest Rate Floating Rate to Fixed Rate of Interest or Fixed Rate to Floating Rate of Interest Up to 21% + GST on the principal outstanding (POS)