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Application Form - DBS Bank

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Living, Breathing Asia

DBS Mortgage Loans My Application Name Account No.

Mortgages Loan Application Form Product Choice Product Name

:

Home Loan

Loan against Property

Flexi Home Loan

Branch Name

Flexi Loan against Property D D MM Y Y

Date of submission :

CUSTOMER INFORMATION Co Applicant

Applicant Salutation

Mr

Mrs

Ms

Prof

Dr

Others

Mr

Mrs

Ms

Prof

Dr

Others

First Name:

*Name (Name as per ID proof)

Middle Name: Last Name:

KYC Number CIF

Existing Account Details

CIF First Holder

Second Holder

First Name:

*Maiden Name

Middle Name:

(If applicable)

Last Name: First Name:

*Fathers Name

Middle Name: Last Name: First Name:

*Mothers Name

Middle Name: Last Name: First Name:

*Spouse Name (If applicable)

Middle Name: Last Name:

*Resident Status *Nationality

Resident Individual

Foreign National

Resident Individual

Foreign National

Person of Indian Origin

Non Resident Indian

Person of Indian Origin

Non Resident Indian

IN-Indian

Others (ISO 3166 Country Code)

IN-Indian

Others (ISO 3166 Country Code)

*Date of Birth *Place of Birth Two digit -state/UT code as per Indian Motor Vehicle Act,1988

*Country of Birth *Gender

State/UT code

ISO 3166 Country Code:

Male Sikh

*Community

State/UT code

IN-India

Female Christian

Zoroastrain

Others

Third Gender

SC

*Marital Status

Unmarried

ST

Muslim

Sikh

Others

Zoroastrain

Others

(Pl. specify)

Others

(Pl. specify)

1

IN-India

Female

Jain

General Married

Male

Buddhist

Hindu

In accordance with requirement prescribed vide circular dated 05/07/2007 & 03/09/2007 issued by the RBI, request you to kindly provide the following information as may be applicable to you.

*Category

ISO 3166 Country Code:

Christian

Others

Third Gender Buddhist

Muslim

Jain

Others

Hindu

In accordance with requirement prescribed vide circular dated 05/07/2007 & 03/09/2007 issued by the RBI, request you to kindly provide the following information as may be applicable to you.

SC

ST

Unmarried

General Married

Others

(Pl. specify)

Others

(Pl. specify)

V-1.11

Co Applicant

Applicant E-mail*:

Mobile*:

+91

Resident*:

+91

Area code

Number

+91

Area code

Number

Office*:

+91

Area code

Number

+91

Area code

Number

Fax No.*:

+91

Area code

Number

+91

Area code

Number

*Contact Details

+91

Number

*Proof of Address (PoA)

Passport

Certified copy of any one of the PoA needs to be submitted

Voter Identity Card

* Current Residential Address

Driving Licence

UID (Aadhaar)

Others

Landmark

Landmark City

Pin code IN-India

ISO 3166 Country Code:

Others

Landmark

IN-India

ISO 3166 Country Code:

Others

Landmark

Others

Landmark Pin code

State

ISO 3166 Country Code:

IN-India

Permanent Residence

ISO 3166 Country Code:

Others

Current Residence

Office / Business Address

Company provided Under graduate Professional

Lease

Since Graduate

Salaried

Private

Business

Professional #

Post Graduate

Public

Gov't Sector Student

Self Employed

Retired

Doctor

Partnership

Under graduate

Current Residence

Lease

Since Graduate

Post Graduate

Others (Please specify)

Salaried

Private

Business

Professional #

Housewife

Public

Gov't Sector Student

Self Employed

Retired

Others (Please specify) Lawyer

CA

Others (Please specify) Proprietor

Others

Owned by parents

Self Owned

Professional

Others (Please specify) CA

Permanent Residence

Company provided

Others (Please specify)

Housewife

IN-India

Office / Business Address

Owned by parents

Self Owned

*Self Employed

IN-India

City

Pin code

State

#

Pin code

State

City

*Profession Details

Others

Landmark

ISO 3166 Country Code:

*Profession / Employment

IN-India

City

Pin code

State

*Education

Pin code

State

City

Residence

UID (Aadhaar)

NREGA Job Card

Others

ISO 3166 Country Code:

Mailing Address

Driving Licence

Voter Identity Card

State

* Office/Business Address

Passport

NREGA Job Card

City

* Permanent Residential Address

Number

Doctor

Lawyer

Others (Please specify) Company

Others (Please specify)

HUF

Proprietor

Partnership

Company

HUF

Others (Please specify)

*Name of employer / Firm

*Employment details

Employee No

Employee No

No. of years with current employer Retirement age Designation No. of years at previous organizations

No. of years with current employer Retirement age Designation No. of years at previous organizations

No of dependents

No of dependents

Total No of years in service/Business

Total No of years in service/Business

2

V-1.11

Co Applicant

Applicant *Line of business / Industry *Income p.a.

Rupees

*Net Worth (in INR )

Rupees

As on Salary

*Source of Funds

As on Business

Inheritance

Savings

Salary

Others (Please specify)

*Purpose and Reason for opening the account

Investments

Savings

*Proof of Identity

Passport Details

Savings

Inheritance

Investments

Savings

Family Maintenance

Others (Please specify)

Family Maintenance

Others (Please specify) Parent Sibling

Relationship with the 1st holder Please tick [ ] if Applicable

Business

Others (Please specify)

Politically Exposed Person Related to Politically Exposed Person

In Law (s) Spouse Others (Please specify)

Child

Politically Exposed Person Related to Politically Exposed Person

Certified copy of any one of the following Proof of Identity to be submitted

Certified copy of any one of the following Proof of Identity to be submitted

Date of Issue

Date of Issue

Expiry Date

Number

Number

Place of Issue

Place of Issue

Driving License

Expiry date

Expiry Date

Expiry date

Voter’s Id Cards *PAN Number UID (Aadhar) NREGA Job Card

Others

Collateral Details

Identification Number

Identification Number

(Any document notified by the central government)

(Any document notified by the central government)

Are you the property owner for the property offered as collateral

Are you the property owner for the property offered as collateral

Yes

Relationship With the bank

No

Less than One year

Yes 1- 3 years

More than 3 years

No

Less than One year

1- 3 years

More than 3 years

Remarks

References (Names and addresses of two referees who are not related to you ) DBS Bank Ltd, India may make enquiries from the referees if it deems necessary

Name :

Name :

Address :

Address :

Email :

Email :

Tel :

Mobile :

Tel :

3

Mobile :

V-1.11

PROPERTY DETAILS Property address

:

Landmark City

State Area

:

Property Completion Status :

Pin code Country

UDS /Land Area

Built up area : Current _______________________________ proposed

Freehold

Leasehold

Ready for Possession

Under Constructions

Constructions Status

Expected date of possession : D D M M Y Y Developer Details

:

Builder Name Project Name

Cost of the property (Project Cost) Down Payment (Amount)

Down Payment%

LOAN APPLICATION DETAILS Loan Details

:

Amount Rs

Tenure : Years

Months

Enhancement Details

:

Amount Rs

Tenure : Years

Months

Interest Rate Options : Loan :

Floating Rate

%

Others

%

Enhancement :

Floating Rate

%

Other

%

Fees

:

Application Fees Rs

Processing Fees Rs

Loan Against Property

:

Loan against Property refinance

Purchase of Office/Shop/Fixed Asset

Loan consolidation

Consumer Durables

Education expenses

Marriage expenses

Purchase of office equipment

Property repair and renovation

Travel expenses

Working Capital requirement

Business expansion SI (Standing Instructions)

Repayment Mode

:

ECS ( Electronic Clearing System)

Insurance

:

Home Loan Linked Life Insurance Policy I will pay the premium

Others

Home Building Insurance

Please add the premium to the home loan mentioned above (available only for LAP)

Total Requirement And Funding Sources Requirement

Amount

Funding Sources

Total Purchase price/construction cost

Loan applied for

Incidental & other cost

Savings/Personal Funds

Registration cost/Goods & Service Tax (GST)

Other

Total

Total

Amount

RELATIONSHIP DECLARATION I/we hereby declare that we or any of our close relatives /director(s) /partner(s)or his close relative(s), is not a director in banking company including DBS Bank Ltd. I/we declare that we or our close relative / director(s) / partner(s) and / or any relative of such director / partner is a director of a banking company Viz____ _______________________________________________________. The nature of relationship is ___________________________________________________.

4

V-1.11

INCOME / FINANCIAL DETAILS : APPLICANT Income Head

Gross Income

Net Income

Frequency

Obligations / Deductions Details

Obligation Head

Gross Obligation

Net Obligation

Frequency

Bank Accounts Held

Bank Name

Branch

Account Type

Account Number

Income Details

INCOME / FINANCIAL DETAILS : CO-APPLICANT Income Head

Gross Income

Net Income

Frequency

Obligations / Deductions Details

Obligation Head

Gross Obligation

Net Obligation

Frequency

Bank Accounts Held

Bank Name

Branch

Account Type

Account Number

Income Details

5

V-1.11

APPLICABLE FOR FLEXI HOME LOAN/FLEXI LOAN AGAINST PROPERTY NOMINATION I wish to assign a Nomination (Kindly submit the nomination form Da1)

I do not wish to assign a Nomination

MODE OF OPERATION Anyone or Survivor Single Jointly (ATM/Debit card will not be issued) Either or Survivor l am agreeable to receiving electronic statements on request only E-mail Statement :

Others (Please specify)

NOMINATION FORM DA1* Nomination under Sec45ZA of the Banking Regulation Act ,1949, and Rule 2(1) of the Banking Companies (Nomination) Rules,1985, in respect of bank deposit Nominee name to be printed on the fixed deposit advise / account statement

Yes

No

Section A I / We nominate the following person to whom in the event of my / our / minor's death the amount of deposit in the account, particulars whereof are given below, (Name of the branch where account is held) may be returned by DBS Bank Ltd.

Deposit Nature of

Nominee Distinguishing Additional No. Details, if any

Name

Address

Relationship with Depositor, if any

Age If Nominee is a minor, his date of birth

As the nominee is a minor on this date, I/We appoint Shri/Smt./Kum. (name, address and age)_________________________________________ to receive the amount of the deposit on behalf of the nominee in the event of my / our / minor's death during the minority of the nominee.

Section B

Signature***

Signature***

Applicant Name

Co-Applicant Name

Witness 1

Witness 2

Name

Name

Address

Address

Date

Signature

Signature

Date

* where the deposit is made in the name of a minor the nomination must be signed by a person lawfaully entitled to act on behalf of the minor. * strike out if not a minor. *** Thumb impressions must be attested by two witnesses. No witnesses are required incase of signature. Only one person can be nominated per account. ^ While the nomination facility is optional we recommend you avail of the same.

RELATED PARTY DETAILS AND PROOF OF IDENTITY [Pol]* Nominee: Name (PoI if available)

First Name

Middle Name

Last Name

First Name

Middle Name

Last Name

First Name

Middle Name

Last Name

Guardian of Nominee : Name (Kindly submit PoI)

Assignee: Name

(Kindly submit PoI)

PROOF OF IDENTITY [Pol] OF RELATED PERSON* A-Passport Number

Passport Expiry Date

D D MM Y Y

Driving Licence Expiry Date

D D MM Y Y

B- Voter ID Card C- PAN Card D- Driving Licence E- UID (Aadhaar) F-NREGA Job Card Z- Other (any document notified by the central government)

Identification Number

6

V-1.11

CHANNEL REGISTRATION DEBIT CARD APPLICATION 1st Applicant

Co Applicant

Name

Name (Name to be mentioned on the debit card not to exceed beyond 20 characters including blank space)

Type of Domestic Debit Card Card (can be used only in India)

(Name to be mentioned on the debit card not to exceed beyond 20 characters including blank space)

Type of Domestic Debit Card Card (can be used only in India)

International Debit Card

International Debit Card

I/We declare and confirm that I/ we have read and understood the terms and conditions available on the website of DBS Bank Ltd (Bank) related to the debit card and international limits • I/We further agree to abide by the terms and conditions governing the accounts and the respective services linked to my/our account including Domestic Debit Card and International Debit Card facility, as available on the Bank's website and as amended from time to time. I/We hereby agree to be bound by all the revised charges/tariff applicable to the DBS Bank International Debit Cards I/We am/are aware that the Debit Cards are issued in different variants. I/We are aware that the Default domestic transaction limit on my/our VISA Platinum Debit card is INR 100,000 and international transaction limit on my/ our VISA Platinum Debit card is INR 25,000 is set for Debit cards issued to Savings Plus /Savings Power Plus and Basic Savings Bank Deposit Accounts. I/We are aware that the default domestic transaction limit on my/our VISA Infinite Debit card is INR 300,000 and the international transaction limit is INR 50,000 for Treasures, NRI Elite Treasures accounts. I/We agree that if our existing cards are domestic debit cards then our International limits will be Zero. I/We agree and understand that the Bank reserves the right to reject any application for the said banking facilities without providing any reason. I/We undertake to strictly operate and use the account and the said banking facilities in accordance with the exchange control regulations as laid down by Reserve Bank of India (RBI) or any other authority from time to time. I/We accept full responsibility of my/our Debit Card and agree not to make any claims against Bank in respect thereto. I/We confirm and understand that all my/our Account(s) with the Bank shall be automatically linked to my/our Debit Card unless instructions for delinking my/our account have been given in a form acceptable to the Bank. Note:

1. In case of NRO Accounts only DBS Domestic Card will be issued as per banks policy. 2. International transaction limit is set separately for POS transactions and ATM withdrawals etc. 3. The international transaction limits on your Debit card cannot exceed your domestic limits 4. If you select a domestic card only initially, you can call customer care or submit a mandate to change the card type and increase & activate the international limit 5. In case you need to change the default International limit, you can call customer care or submit a mandate to change the card type

iBANKING 1st Applicant

Co Applicant

1st Appl.

Yes, I would like to apply for iBanking

1st Appl.

No, I would not like to apply for iBanking

Co Appl.

Yes, I would like to apply for iBanking

Co Appl.

No, I would not like to apply for iBanking

I/We hereby confirm that I/We have applied for DBS Bank Ltd. (“Bank”) Internet Banking (iBanking) Services and hereby agree that iBanking Services shall be made available to me/us by the Bank from time to time. I/We acknowledge and confirm that my/our use of the iBanking services shall be governed by the Bank's prevailing iBanking Terms and Conditions (copies of which are available at any of the Bank's branches in India and on the Bank's web-site at www.dbsbank.in) and I/we hereby declare that I/we have read and fully understood the said terms and conditions and accept the same. I/We agree and understand that the Bank reserves the right to reject any application for iBanking without providing any reason. I/we hereby instruct and authorise the Bank to mail/courier my/our Internet Banking ID and Password (collectively "Security Codes") relating to my/our access to the iBanking services to my/our address as per the Bank's records and I/we agree that the risk of non-receipt and/or disclosure of the Security Codes to an unauthorised third party shall be fully borne by me/us. I/we confirm and agree that the Bank shall not be held responsible in any way for any losses that may be suffered by me/us as a result of such non receipt or disclosure of the Security Codes to an unauthorised third party. I/we agree that in case I/we have multiple accounts (where the mode of operation is single/either or survivor/anyone or survivor) maintained with the Bank, all such accounts shall be automatically linked to my/our User ID. I/We shall be fully responsible for any of the linked accounts getting debited based on the instruction(s) given through my/our User ID and Password and I/We also agree that the Bank will not be responsible or held responsible and agree not to make any claim or demand against the Bank in this regard. I/We are aware of charges/fees applicable for iBanking Services. I/We hereby agree to be bound by the revised charges/fees applicable from time to time available on the Bank’s website for iBanking Services. Note: Please note that for availing mobile banking services, customer needs to have internet banking access as well. Please note that for accessing mobile banking services, you need to have DBS iBanking user id and password. Yes I /we confirm I/we have applied for

debit card

ibanking

we accept the terms & conditions governing these services.

Applicant Signature

Co Applicant Signature

7

V-1.11

APPLICABLE ONLY FOR NRI’S THE PERSON OF INDIAN ORIGIN (PIO) DECLARATION (IF APPLICABLE) I hereby declare that I am a person of Indian origin and I satisfy one of the following conditions (Please pick the choice applicable to you) I held an Indian passport in the past

My father / mother / grandfather / grandmother ________________________________________________ (name) is / was a citizen of India by virtue of the Constitution of India or the Citizenship Act,1955

I am the Spouse of an Indian citizen

The father / mother / grandfather / grandmother _________________________________________________ (name) of my spouse is / was a citizen of India by virtue of the Constitution of India or the Citizenship Act,1955

Applicant Name

Signature

Co-Applicant Name

Signature

Yours faithfully, Bank official / Solicitor / Notary Public

Witnessed by

SEAFARERS ACCOUNT OPENING DECLARATION (IF APPLICABLE) I hereby declare and confirm that I am a Non - Resident Indian and I am presently / was on contract with_________________________________________________________ _________________(company) registered in ___________________________________________________________ (address of the principal). I request you to open a NRE/NRO account in my name on the basis of the submitted documents. I also confirm that I will inform the Bank, in case I do not renew my contract or choose to go on a new contract or I am unable to proceed on a new contract or in any case in the event that my status of Non - Resident Indian is altered. Accordingly, I will have the Non - Resident accounts opened in my name redesignated to Resident / Resident Foreign Currency (RFC) accounts (as applicable)

Date :

Signature

D D MM Y Y

NON INDIVIDUAL CO APPLICANTS INFORMATION Business Entity Type

HUF

Proprietorship

Partnership Firm

Private Limited Company

Limited Liability

Partnership

Others

Registered Name Name of Karta Date of Incorporation

D D MM Y Y

Country of Incorporation

Place of Registrations

India

Others

Place of Business

Registrations Number (Company Identification Number /Partnership registration Number)

PAN Number Registered Address

Mailing Address

Address

Contact Details

City

Pin code

ISO 3166 Country Code:

IN-India

Others

City

Pin code

ISO 3166 Country Code:

IN-India

Landline 1

Landline 2

Fax Number

Mobile +91

Others

Nature of Business HUF - Manager I do have direct or indirect dealings with the sanctioned countries mentioned below: (Iran, Libya, Syria and Sudan)

No

Yes (Please submit Sanctions Certification Form)

DECLARATION We hereby confirm

That we are not enjoying any credit facility with any bank and undertake to inform you in writing as soon as any credit facility is availed of by us from any other bank. That we are enjoying credit facilities with other banks as per details given below: Bank Name & Branch

8

Account Number

V-1.11

NAME MISMATCH DECLARATION : APPLICANT This is to confirm that my name on application form differs from that of the name appearing on my passport / PAN card / other____________________ (Specify document type) supporting document available with me. In view of the above, you are requested to open the account in the name of ____________________________________________________as being my valid name and accept the same for all future correspondence and banking transactions. I undertake to indemnify the Bank for any loss or damages that it may incur on account of permitting me in having different signatures /name for having transactions at my bank account maintained with your Bank. Applicant Name

Signature

Date :

D D MM Y Y

Authorized by Name

Signature

Date :

D D MM Y Y

NAME MISMATCH DECLARATION : CO-APPLICANT This is to confirm that my name on application form differs from that of the name appearing on my passport / PAN card / other____________________ (Specify document type) supporting document available with me. In view of the above, you are requested to open the account in the name of ____________________________________________________as being my valid name and accept the same for all future correspondence and banking transactions. I undertake to indemnify the Bank for any loss or damages that it may incur on account of permitting me in having different signatures /name for having transactions at my bank account maintained with your Bank. Co-Applicant Name

Signature

Date :

D D MM Y Y

Authorized by Name

Signature

Date :

D D MM Y Y

CONSENT FOR MARKETING OFFERS (mandatory) At DBS we always strive to serve you better. One of our ways is to ensure that you are kept up to date with our latest promotions, as well as any products & services that may be suited to your needs. Yes, I/We would like to receive from DBS Bank India marketing materials and information through telephone calls, all forms of mobile messaging (including SMS or MMS), fax, email and/or post. No, I/We do not wish to receive any DBS Bank India marketing materials and information through telephone calls, all forms of mobile messaging (including SMS or MMS), fax, email and/or post. I understand that I/We will not be contacted only on the phone/mobile no.(s) / email id registered in your records. Please Note: If you have opted to receive marketing materials and information from us via, mobile messaging or telephone calls, you will receive, mobile messages or calls from us only if your number is not on the National Do-Not-Call Register. Notwithstanding anything written herein above you may receive some communication from us (emails/sms/calls, etc) irrespective of you being on "The Do Not Disturb" list for the following reasons: • In response to your queries you have made to DBS Bank in writing or verbally • Calls made to verify the details furnished by you under any application to DBS Bank, • Calls made to conduct credit checks or card misuse related checks in the event of any irregular transaction being observed. • Calls made to abide by the regulations including for Internet banking passwords / change in static data

DECLARATION I/We certify that the information provided by me/us in this application form is true, correct and complete in all respects and DBS is entitled to verify this directly or through any third party. I/We confirm that the attached copies of financials/ Bank Statements/Title/legal documents etc. are submitted by me/us against my /our loan application and certify that these are true copies. I/We undertake to inform DBS Bank immediately of any change in my / our occupation/ employment or any other details furnished in this application, and to provide any other information that DBS Bank may require. I/We further acknowledge the Bank's right to seek any information from any other source in this regards. I/We understand that all of the above mentioned information shall form the basis of any facility that the Bank may decide to grant to me/us at its sole discretion. DBS shall be entitled to reject my/our application without giving any reasons thereof. I/We further agree that any facility that may be provided to me/us shall be governed by the rules/norms of the bank that may be in force from time to time. I/We will be bound by the terms and conditions of the facility/ies that may be granted to me/us. I/We authorize the Bank to debit my home loan account with the Bank for any fees, charges, interest etc as may be applicable. I/We are aware the fees paid by me/us is non refundable. I/We undertake and declare that I/We will comply with the Foreign Exchange Management Act,1999 (FEMA) and the applicable rules, regulations, notifications, directions or orders made there under and any amendments thereof. I/We undertake to intimate the Bank before proceeding overseas on permanent employment and/or emigrating and/or changing my/our nationality. I/We confirm that I/We have had no insolvency proceedings against me/us nor have I/We ever been adjudicated insolvent. I/We acknowledge that the Bank remains entitled to assign any activities to any third party agency at it's sole discretion. I/We acknowledge the right of the Bank to provide details of my/our account to third party agencies for the purpose of availing support services of any nature by the Bank, without any specific consent or authorization from me/us. I/We acknowledge that the existence of this account and details thereof (including details of transactions and any defaults committed by me)., will be recorded with credit reference agencies and such information (including processed information) may be shared with banks/financial institutions and other credit grantors for the purpose of assessing further applications for credit by me/us and/or members of my/our household, and for occasional debt tracing and fraud prevention. I/We accordingly authorize the Bank to share information relating to my/our home loan account. I/We understand that as precondition, relating to grant of loans/advances / other non funded credit facilities to me/us, DBS requires consent for the disclosure by DBS, of information and data relating to me/us, of credit facility availed of/to be availed, by me/us, obligation assumed /to be assured by me/us, in relation thereto and default if any committed by me/us in discharge thereof. I/We hereby undertake and provide my/our consent for sharing my/our details mentioned above with Central KYC Registry. I/We hereby consent to receiving information from Central KYC Registry through SMS/Email. DBS may make available any information contained in this form and other documents submitted to DBS and information pertaining to the loan to any institution or body. DBS may seek /receive information from any source/person to consider this application. I/We acknowledge that I/We have been advised to seek independent legal advice on the legal status of property being purchased. In case I/We approach DBS empanelled lawyer for legal advice. I/We acknowledge that I/We agreed to do so on my/our own volition and DBS shall not be held liable for any disputes that I/We may have with DBS empanelled lawyer. I/We confirm that I/We shall submit all the required documents and comply with DBS process for availing of the loan within120 days from the date of the pre- approval letter issued by DBS. I/We agree to receive SMS alerts related to my/our application status even if my / our number is registered with Do Not call Registry and account activity as well as product use messages that the bank will send , from time to time, on my/our mobile phone as mentioned in this application form. I/We undertake to intimate the bank in event of any change in my/our mobile number and residential address. I/We understand that DBS Bank reserves the right to retain this application form, and the documents provided herewith, including photographs and will not return the same to us/ me I/We further agree that Home Loan for Non-Resident Indians (NRIs) and Persons of Indian Origin (PIOs) is being made available by DBS Bank Ltd. solely for the purchase of residential properties in India. NRI/PIO Loans Against Property are made available solely against properties in India. Loans are not available to finance properties situated outside India. Any misinterpretation by the applicant of his or her NRI / PIO status may result in rejection of the loan application and/or further may entail prosecution under Indian laws (including, but not limited to Foreign Exchange Management Act of 1999). I/We further agree that the Loan, if sanctioned, will be disbursed in Indian Rupee only. For NRIs/PIOs availing of Loans Against Property such disbursement will only be made to an NRO account of the NRI/PIO I/We further agree that The loan and security documentation will, having been received in India, be stamped in accordance with applicable stamp laws of India and the loan documentation will thereafter be executed by DBS Bank in India. I/We further agree that Recovery and collection of the loan, as well as, enforcement of security and all other disputes shall be subject to the exclusive jurisdiction of relevant courts in India, to the exclusion of all other courts. I/We further agree that NRI/PIO Applicants are required to nominate a Co-Applicant in India. DBS Bank Ltd. reserves the right to contact the Co-Applicant over phone or in person. The Applicant confirms that that the Co-Applicant can be contacted by the Bank in its sole discretion as it deems appropriate and necessary. The Co-Applicant shall be the Co-Borrower/Guarantor to/on the loan and shall be directly liable and responsible for repayment of the entire Loan, in the event of default by the primary applicant I/We further agree that NRI/PIO Applicants/Co-applicants may make repayments to the Loan Account must be made from an NRE /NRO Account or any other means as permitted from time to time by the Reserve Bank of India. I/We further agree that All Borrower/Applicant and Co-Borrower(s)/Co-Applicant(s) shall be jointly and severally liable under the Loan Agreement and all related documents. I/We further acknowledge that I/We have read, understood and agree with the terms & conditions of/in this Application including the Most Important Terms and Conditions governing the home loan product chosen by me/us. End use cannot be towards any speculative, anti social, illegal or unproductive purposes. end use also cannot be towards purchase of gold in any form, including primary gold, gold bullion, Gold Jewelry, gold coins, units of Gold ETF and units of gold mutual fund.

9

V-1.11

Applicant

Co-Applicant

Signature across

Signature across

Photograph

Photograph

Signature*

Signature*

Applicant Name

Co Applicant Name

*Note: Non Individual Applicant to affix stamp Signed in the Presence of

RM Name :

RM Signature :

RM Code :

Channel of sourcing and Code Referral Name

Branch walk-in

Cross border referral

DBS internet web page

IBG RM referral

Member get Member

Staff referral

Others

AUTHORITY TO SEND STATEMENTS AND ADVICES THROUGH EMAIL I/We hereby authorise DBS Bank Ltd. (“DBS Bank”) to send the statement of accounts/advices and all other documents /communication pertaining to all my/our accounts held with the DBS Bank, including any documents in respect of any new accounts / relationship that we may open in future, to my/our registered e-mail ID as mentioned below; 1. ____________________________________________________________________<> Primary Holder 2. ____________________________________________________________________ <> Joint Holder 3. ____________________________________________________________________ <> Joint Holder 4. ____________________________________________________________________ <> Joint Holder I/We understand that the default email communication is set to the aforesaid primary holder's email ID, unless explicitly requested by us otherwise. Any addition/ deletion of email IDs mentioned above will be communicated to DBS Bank in writing signed by the persons authorised to give instruction in accordance with the account mandate. All the terms and conditions set out herein shall be applicable to such additions/ changes. I/We am/are aware that email is not a secure or error-free medium of communication and I/We am/are aware of the possible risks involved in connection with the transmission of information via email. We accept and acknowledge that the Bank does not accept liability for any errors or omissions in the content of the email messages and its attachments. I/We undertake to keep you indemnified at all times against, and to save you harmless from all actions, proceedings, claims, loss, damage, costs and expenses including consequential losses/damages which may be brought against you and which shall have arisen either directly or indirectly out of or in connection with your sending the details mentioned above to us through email.

Signature*

Signature*

Primary Holder Name

Joint Holder Name

Signature*

Signature*

Joint Holder Name

Joint Holder Name

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SELF CERTIFICATION ON USA CITIZENSHIP/ TAX RESIDENCY STATUS AND COMMON REPORTING STANDARD* INDIVIDUALS ONLY

1st Applicant

2nd Applicant

Tax Residency Status - USA (Please tick [ ] one of the boxes only)

Tax Residency Status - USA (Please tick [ ] one of the boxes only)

For US federal income tax purposes, I represent and warrant that:

For US federal income tax purposes, I represent and warrant that:

2

2

I am not a US person1 / Tax Resident / Green Card Holder. Please provide one of the following documents: • copy of non-US passport; or • non-US government issued identification.

I am not a US person1 / Tax Resident / Green Card Holder. Please provide one of the following documents: • copy of non-US passport; or • non-US government issued identification.

Additionally, if you were born in the US, please provide: • copy of certificate of loss of nationality of the US; or • reasonable explanation that you do not have such a certificate:

Additionally, if you were born in the US, please provide: • copy of certificate of loss of nationality of the US; or • reasonable explanation that you do not have such a certificate:

I am a US person1 / Tax Resident2 / Green Card Holder. Please provide your US Taxpayer Identification Number (TIN)3 or Social Security Number (SSN).

I am a US person1 / Tax Resident2 / Green Card Holder. Please provide your US Taxpayer Identification Number (TIN)3 or Social Security Number (SSN).

1

1

I confirm that I am no longer a US person Please provide one of the following documents: • copy of non-US passport; or • one of the following: a) copy of certificate of loss of nationality of the US; or b) I-407 Form; or c) reasonable explanation that you do not have such a certificate:

I confirm that I am no longer a US person Please provide one of the following documents: • copy of non-US passport; or • one of the following: a) copy of certificate of loss of nationality of the US; or b) I-407 Form; or c) reasonable explanation that you do not have such a certificate:

TAX RESIDENCY STATUS - INDIA AND COUNTRIES OTHER THAN USA 2

2

I am a Tax Resident of India. I am a Tax Resident of a country other than India and USA. 2 I am a Tax Resident of India and _________________________ (please specify) Please provide one of the following documents: passport copy; or Government issued identification Country of Tax Residency 2

2

2

I am a Tax Resident of India. I am a Tax Resident of a country other than India and USA. 2 I am a Tax Resident of India and _________________________ (please specify) Please provide one of the following documents: passport copy; or Government issued identification

Tax Identification Number (TIN)3 or equivalent If no TIN Available, enter Reason* & explanation B

Country of Tax Residency 2

Tax Identification Number (TIN)3 or equivalent If no TIN Available, enter Reason* & explanation B

A

B

C

A

B

C

A

B

C

A

B

C

A

B

C

A

B

C

*Reasons : A - I am resident of a country/jurisdiction which does not issue TIN to its residents. B - I am otherwise unable to obtain a TIN or equivalent number (Please explain why you are unable to obtain a TIN in the above table if you have selected this reason). C - TIN is not required. (Note: To be selected only if the domestic law of the relevant jurisdiction does not require the collection of the TIN issued by such jurisdiction). • If your country/jurisdiction of tax residence did not include the country of your residential address, please tick the following box as confirmation: I am not a tax resident of the country(ies) where I am residing. By checking this box, I also confirm that I am not a tax resident of any countries other than those I have declared above. • In the absence of the above confirmation, DBS may have to disclose your account information to tax authority based on your information held in our records. In addition, you may not be able to open additional accounts or purchase investments with us.

NOTES a) 1Definition of “US person” : A citizen or permanent resident of the United States (e.g. US Green Card holder or someone who meets the requirements to be considered a resident under the 'substantial presence test'); US corporations, partnerships, estates and trusts; Any other person that is not a foreign (i.e. non-US) person (as defined under US federal tax law). b) 2Definition of “Tax Resident” Each jurisdiction has its own rules for defining tax residence, and jurisdictions have provided information on how to determine if you are resident in the jurisdiction on the following website: http://www.oecd.org/tax/automatic-exchange/crs-implementation-and-assistance/tax-residency/#d.en.347760\ In general, you will find that tax residence is the country/jurisdiction in which you live. Special circumstances may cause you to be resident elsewhere or resident in more than one country/jurisdiction at the same time (dual residency). For more information on tax residence, please consult your tax adviser or the information at the OECD automatic exchange of information portal mentioned above. 3 c) A TIN is a unique combination of letters or numbers assigned by a jurisdiction to an individual & and is used to identify the individual for the purpose of administering tax laws of such jurisdiction. 1. 2. 3. 4.

I agree that DBS Bank Ltd (“DBS”) may disclose and transfer to its branches, subsidiaries, affiliates or representative offices located in any jurisdiction the information contained in this form, and any information relating to my accounts and products with DBS, in connection with or to facilitate their compliance with applicable laws and regulations. I certify that the information above is true, accurate and complete. If any information changes, I shall immediately inform DBS within 30 calendar days of the change, and provide supporting documents if required. I consent to DBS collecting, using and disclosing information (including disclosing information to any Singapore or other government authority or agency) that I have provided for the purpose of complying with applicable laws and regulations. For parent/guardian/trustee/authorised representative signing on behalf of the Account Holder named above: I warrant that I have the legal right to sign this certification and either have obtained the Account Holder’s consent or have the right to consent on his/her behalf to such collection, use, disclosure and processing of his/her personal data by DBS for the purposes of this certification.

1st Applicant Signature

2nd Applicant Signature

1) Please sign as per Bank’s records. 2) Thumbprints must be affixed in the presence of a bank staff. 3) If you are signing this form on behalf of a person per clause 4 above, please provide your name and NRIC/Passport number next to your signature/thumbprint. Refer to page 13 for bank verification details

Date :

*Denotes mandatory field

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SCHEDULE OF CHARGES Sr. No

Items ( INR )

Home Loans

Loan Against Property

Remarks

1

Processing Fees

Upto 10,000/-

Upto 10,000/-

2

Annual Fees

NIL

Upto 1% as may be mutually agreed in the loan agreement

Non-refundable, applicable upon execution of disbursal documents. Applicable for Flexi Loan account Only

3

Other Charges a Cheque bounce charges NA NA b Document Retrieval Charges NA NA c Statement of Account (Adhoc) NA NA d Duplicate No Objection certificate NA NA / No Due Certificate e Other Charges, eg Stamp duty, NOC etc On actuals On actuals Charges on account of delayed payments/defaults a Default Interest 18%. Default Interest is levied in case of non-payment of the monthly payment. It is charged on the overdue installment for the defaulted period. b Incidental charges & Expenses Incidental charges & expenses are levied to cover the costs, charges, expenses and other monies that may have been expended in connection with recovery of dues from a defaulting customer. Charged on actuals Switch Fees Upto ` 5000/-as may be Upto ` 5000/-as may be Switch Fees is applicable for Variable mutually agreed upon mutually agreed upon rate loans for conversion to Fixed / accepting the service accepting the service Hybrid account & vice versa and request from customer request from customer applicable on the outstanding loan amount. Conversion Fees Upto1% as may be Upto1% as may be Conversion Fees is applicable mutually agreed upon mutually agreed upon on the outstanding loan amount accepting the service accepting the service for Regular Loan to Flexi loan. request from customer request from customer

4

5

6

7

Re-pricing Fees

8

Part payment fees a Variable rate home loans OR Hybrid rate loans during the period when the rate of interest is variable b Fixed rate home loans OR Hybrid rate loans during the period when the rate of interest is Fixed

9

Foreclosure charges a Variable rate home loans OR Hybrid rate loans during the period when the rate of interest is variable b Fixed rate home loans OR Hybrid rate loans during the period when the rate of interest is Fixed

Upto ` 5000/-as may be mutually agreed upon accepting the service request from customer

Upto ` 5000/-as may be mutually agreed upon accepting the service request from customer

NIL

NIL

For part prepayments more than 25% of the opening principal of the financial year, charges will be levied at the rate of 2.5% (plus applicable taxes)

For part prepayments more than 25% of the opening principal of the financial year, charges will be levied at the rate of 2.5% (plus applicable taxes)

NIL

NIL

Foreclosure charges are applicable at the rate of 2% (plus applicable taxes) of the outstanding loan amount plus the undisbursed portion of the sanctioned loan

Foreclosure charges are levied at the time of pre-closure at the rate of 4% for first 3 years and 2% thereafter (plus applicable taxes). These charges are applicable on the outstanding loan balance plus the undisbursed portion of the sanctioned loan

Re-pricing Fee will be charged on loan outstanding. At the request of the borrower, bank at its sole discretion may permit the borrower for repricing of the loan.

* - All taxes levied by government (Central / State/ any other government bodies) will be applicable on all fees and charges. * - Hybrid rate loan refers to a Loan facility whereby the Rate of interest offered remains fixed for an initial tenure and becomes variable thereafter, post the completion of the initial tenure becoming directly linked to the Three Month MCLR of the Bank * - The Bank reserves the right to change these fees, rates/charges or re-negotiate them depending upon relationship of a customer. Note : The above stipulated Schedule of Charges is subject to be revised from time to time by the Bank as will be updated on the official website of the Bank.

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DOCUMENT CHECKLIST Documents

Salaried

Self Employed Professional

Self Employed Non Professional

For NRI customers

Valid Identity Proof Address Proof (overseas address as well for NRI) Age Proof Last 6 months bank statements (all your Bank accounts) Last 3 months Salary-slips Form 16 / Income Tax Returns for the last 2 years / Equivalent for NRI Repayment Track record of existing loans / Loan closure letter Proof of business existence & continuity for last 3 years Business profile Employment confirmation letter Education qualification certificate Last 3 years Income Tax Returns / Assessment orders with computation of Income (including e-acknowledgement) / CA certified / Audited Balance Sheet & Profit & Loss account along with Auditor's report with all annexures Title Documents of the property & Approved Building plan Approved Plan Agreement Copy Proof of customer equity to Developer for Housing loans Valid Passport & Visa copies (all pages) Credit report from Bureau of respective countries Last 3 months credit card statements Note: 1. The above documents is an indicative list and final documents acceptable are based on DBS's policy as applicable at the time of application of the loan. For more details, you can speak to your Relationship Manager (RM) or visit the nearest branch. 2. All documents submitted must be self attested as "True Copy" 3. The application will be processed within 15 days on a best effort basis, on receipt of all the required documents mentioned above. The document requirements given above are indicative and DBS Bank Ltd. reserves the right to request further documents, if required. This document is not to be construed as a commitment from DBS Bank Ltd., either express or implied. Terms and conditions as mentioned in the Loan Agreement will apply 4. For Loan Disbursement- After the loan has been sanctioned, you will execute the loan agreement, and provide us with Repayment Instructions and Original Property Documents to avail disbursal from your loan. At the time of disbursement, all title documents pertaining to your property, as asked for by DBS Bank Ltd., will need to be submitted in original. Please note that laminated / documents with any alterations post their execution are not acceptable.

FOR OFFICE USE ONLY Relationship Manager (RM)

Customer Service Manager (CSM)

Account opening authorized by

Name:

Name:

Name :

RM Code:

CSM Code:

RM Sign:

CSM Sign:

Sign:

Branch Name D D MM Y Y

Attended by /CS (Signed in Presence of):

Name

Signature

IDS (ID Document Submitted):

ID Name

ID Number

IDV (ID Document Verified By):

Name

Signature

D D MM Y Y

SV (Signature Verified By):

Name

Signature

D D MM Y Y

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MOST IMPORTANT TERMS AND CONDITIONS (MITC) I.

This MITC Covers the Following Products: a. Housing Loans b. Loans Against Property (“LAP”) c. Housing Loans / LAP with Flexi Facility

II.

Scope and Purpose of the Loan a. Housing Loans: These are loans that will be sanctioned for the purchase of ready property/under-construction property, home extension or for replacement of/switchover of a housing loan earlier availed of by the Borrower from any other bank/financial institution. The Loan will only be sanctioned for the purchase / construction/ extension of residential property only. Such property must be situated within India. b. LAP: These are loans that may be sanctioned for various personal or business purposes of the Borrower as may be acceptable to DBS Bank Ltd. (the “Lender”) which purpose must be specifically described and disclosed to the Lender at the time of applying for the Loan. Such a Loan is granted against the security of an immovable residential, fully constructed, and freehold property with a clear and marketable title, situated within India. c. Housing Loans / LAP with Flexi Facility: The Flexi Facility may be granted additionally by the Lender along with any of the above described types of Loans (i.e. Housing Loans or LAP) as explained in Paragraph X (Flexi Facility) below. d. All Loans may be availed of by Indian citizens, NRIs, PIOs, HUFs, companies incorporated in India, sole proprietorships (the proprietor being an Indian citizen), societies duly registered in India, trusts duly formed/constituted in India, partnership firms where all partners are Indian citizens, and limited liability partnerships incorporated in India.

III.

Interest The Borrower(s) will be required to pay interest on the Loan as stipulated in the Loan Agreement that will be executed by and between the Borrower(s) and the Lender. Interest accrues and is calculated on a daily basis on the total outstanding balance on that day, and is compounded and will be payable monthly, as on the due dates set in the Payment Schedule provided by the Lender. Interest in the normal course will form a part of the Equated Monthly Installments (EMIs) or Pre-EMIspayable by the Borrower(s). Default Interest, additional interest and interest on interest (as payable in accordance with the terms of the Loan Agreement) will be required to be paid by the Borrower additionally, that is to say, the same would not be covered as part of the EMIs or Pre-EMIs.

IV.

Rate of Interest/Type of Interest and change in Rate of Interest The Rate of Interest is the rate at which the Lender will compute and apply interest on the Loan. Rate of Interest may be of 3 types: Fixed Rate of Interest, Floating Rate of Interest, or Hybrid Rate of Interest (being a combination of Fixed Rate of Interest and Floating Rate of Interest, that is to say that the interest rate would be fixed for a specific period and floating for the balance tenure of the Loan). Switch from on type of Rate of Interest to another may be permitted by the Lender, at its sole discretion, subject to such terms and conditions as the Lender may deem fit, including but not limited to payment of such fees/charges by the Borrower as the Lender may specify. The Floating Rate of Interest is linked to the Three Month MCLR declared by the Lender which is subject to change from time to time, at the sole discretion of the Lender. Any change in the Three Month MCLR will result in a change in the Rate of Interest applicable to the Loan. Any such change will be notified to the Borrower and will apply from the date of such change. The standard reset date for the Floating Rate of Interest (unless otherwise informed by the Lender to the Borrower) is the 7th day of each Quarter. i.e.: 7th January, 7th April, 7th July, 7th October. In case, 7th is a holiday (as per RBI holiday calendar for Mumbai), the previous working day would be considered as the effective date.

V.

Fees and Charges Applicable All fees and charges applicable to the Borrower(s) may be found in the Schedule of Charges attached to the Loan Application Form and/or on the official website of the Lender. Please note that the applicable fees and charges may change from time to time. Such changes will be updated on the official website of the Lender from time to time. The Borrower shall indemnify, save, defend and hold harmless the Lender and its officers, directors, employees, from and against all, direct and indirect, claims, damages, losses, costs and expenses, including attorneys’ fees arising out of any action, omission, breach or default by the Borrower and/or its employees or agents under or in the course of performing the Loan Agreement and/or otherwise incurred by the Lender as a result of granting the Loan to the Borrower or in the course of performance of its obligations under the Loan Agreement.

VI.

Default Interest In the event of payment defaults, the Borrower shall pay to the Lender interest on any overdue amounts i.e. any amounts, in relation to which payment has not been made on the relevant Due Date, and in case of the occurrence of any other Event(s) of Default (not for non-payment), the Borrower agrees to pay to the Lender interest on the total Outstanding Balance, at the rate mentioned specified in the Loan Agreement/Schedule of Charges over and above the applicable Interest Rate. Default interest shall be calculated daily based on the actual number of days in the year. Without prejudice to the foregoing, and for clarity, if the Lender recalls the Loan or any part thereof, the Borrower shall have to pay Default Interest on all outstanding principal, interest and other money(s) due and owing to the Lender from the date of recall until the date of full payment to the Lender.

VII.

Conditions for Disbursement The Lender may disburse the Loan (or any part thereof), at its discretion, subject to fulfilment of certain conditions precedent as more particularly mentioned in the Loan Agreement, a few of which are stated below. The full list of conditions precedent and

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subsequent are stated in Clauses 3.2 and 3.3 of the Loan Agreement and must be carefully read by the Borrower(s).

VIII.

-

The Borrower must fulfill the Bank's requirement of creditworthiness

-

The Borrower(s) must have executed all necessary security documents in favour of the Lender, and deposited with the Lender original title deeds to the Property.

-

In case of a Housing Loan, the Borrower must pay the entire margin amount (i.e. the difference between the purchase price and the sanctioned loan amount) before disbursal of the Loan or any part thereof.

-

No ‘Events of Default’ (as fully described under Clause 11 of the Loan Agreement) should have happened, which includes but is not limited to giving of misleading information to the Lender, the Borrower being declared insolvent, a depreciation in the value of the secured property, and default in duly performing obligation under any other loan or facility availed of from the Lender by the Borrower.

-

The Borrower shall have furnished to/procured for the Lender all necessary documents, undertakings, indemnities, declarations etc. and done/procured to be done all necessary acts, deeds, etc. as may be required by the Lender.

Loan Drawdown / Disbursement The Loan (or any part thereof) may be disbursed by the Lender upon receiving a drawdown request from the Borrower. The entire Loan Amount should be availed of within the Availability Period specified by the Lender. The loan sanction may be kept open at the sole discretion of DBS Lender for an additional period of such number of days beyond the Availability Period as the Lender may at its sole discretion deem fit. The Lender may, at any time, at its sole discretion, recall the Loan(in whole or part). The mode and manner of disbursement is left to the sole discretion of the Lender. The disbursement of the Loan or any part thereof by the Lender may be made to the Borrower, or directly to the developer/builder/construction company /contractor/seller of the Property, where applicable or any other concerned Person, as the Lender may in its sole discretion deem fit. In case the Loan being availed of by the Borrower is in replacement/switchover of a housing loan earlier availed of by the Borrower from another bank/financial institution, the disbursement of the Loan Amount or any part thereof by the Lender may be made to the Borrower, or directly to such other bank/financial institution, as the Lender may in its sole discretion deem fit.

IX.

Repayment The Borrower will repay the principal/Loan together with the interest calculated on the reducing principal balance by way of Equated Monthly Installments or EMIs, if not demanded earlier by the Lender in accordance with the terms of the Loan Agreement, as stipulated in the Repayment Schedule Agreement or as may otherwise be communicated by the Lender to the Borrower from time to time,. Provided that the Lender shall be entitled to re-compute and/or modify the amounts constituting the EMI(s) and the dates for payment thereof by the Borrower on the occurrence of any event which in the opinion of the Lender necessitates a re-computation/ modification of the same. In the event of any such modification, the Borrower hereby agrees and undertakes to issue fresh Payment Instruments as the Lender may require. Strict compliance with the Repayment Schedule as communicated by the Lender from time to time is an essential condition for the grant of the Loan. Without prejudice to the general right available to the Lender to vary or amend the Repayment Schedule, from time to time, the Lender shall be entitled to amend the Repayment Schedule (including without limitation varying the amount of each PEMI (as applicable) or EMI), in case of: (a) any change occurring in the Interest Rate applicable to the Loan as per the provisions of the Loan Agreement, to reflect the change in the Interest Rate; and/or (b) Disbursement of the Loan Amount in tranches/parts, each time a tranche is disbursed under the Loan. Consequent to any change in the Floating Interest Rate, the Lender may at its sole discretion, decide not to change the EMI amount, in which event, in case there is an increase in the Floating Interest Rate, the interest component in an EMI will increase and the principal component will reduce resulting in an extension of the term of the Loan and vice versa when the Floating Interest Rate decreases. In the event of any increase in the Floating Interest Rate, and consequential increase in the EMIs/ PEMIs which are required to be paid by the Borrower, the Borrower shall be required to pay such increased EMI/ PEMI amount and/or the resultant differential amount as determined by the Lender in its sole discretion and intimated to the Borrower. The Lender, at its sole discretion but without being bound to do so, may at the request of the Borrower and on payment of a Repricing Fee by the Borrower permit the Borrower to change the applicable Interest Rate, with effect from a prospective date acceptable to the Lender. The Repricing Fee shall be determined by the Lender, from time to time, at its sole discretion. Such Repricing Fee shall be intimated by the Lender every time the Borrower makes a request for change in the applicable Interest Rate. The Borrower is required to make payment of the EMIs through Standing Instructions from their account held with the Lender, or through the Electronic Clearing System (Debit) by setting up a mandate for such payments, through the National automated Clearing House (NACH) system by setting up mandates for such payments or by providing the Lender with sets of Post-Dated or Undated Cheques or by such other modes as may be acceptable to the Lender. Such instructions /mandates/cheques must be executed and delivered to the Lender at such time(s) as may be stipulated by the Lender. The Borrower shall ensure that the payment instructions/mandate/cheque is honoured and therefore must ensure that: - Sufficient funds are available in the designated account to be debited; - No cancel / stop payment have been put on the cheques/payment instruments given towards repayment; - The Standing Instructions/ECS/NACH Mandate(s)is/are not varied or cancelled without the prior written consent of the Lender; and - The designated account to be debited is neither closed not changed without the prior written consent of the Lender; Failure to ensure the above, resulting in dishonour of the SI/ECS/NACH mandate/cheque will be treated as an Event of Default in terms of the Loan Agreement and trigger the consequences set out therein for the same. Without prejudice to the same, such dishonour may also result in exercise by the Lender of criminal remedies as may be available under law.

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X.

Flexi Facility Flexi Facility is a facility by which (if the same is granted by the Lender to the Borrower, at its discretion), the Borrower(s) may open a current account (known as a Flexi Account) with the Lender which will be linked to the Borrower(s)’s loan account (for Housing Loan or Loan Against Property. At the end of each day any credit remaining in the current account will be adjusted against the outstanding principal amount in the loan account, thereby reducing the amount of interest due. All standard terms and conditions applicable to a current account opened with the Lender will also apply to the Flexi Facility, to the extent not inconsistent. The two accounts will for all practical purposes be treated as one and the same, and a single statement of dues/statement of account will be issued in respect of the same. Conversion from/to Flexi Facility may be permitted by the Lender, at its sole discretion, subject to such terms and conditions as the Lender may deem fit, including but not limited to payment of such fees/charges by the Borrower as the Lender may specify.

XI.

Prepayment and Foreclosure The Borrower(s) may prepay/foreclose the Loan by giving prior notice in writing to the Lender. Such prepayment /foreclosure shall be subject to the prepayment / foreclosure rules of the Lender, as may be applicable from time to time and the terms of the Loan Agreement. If prepayment/foreclosure is made by cheque, the prepayment /foreclosure by the Borrower takes effect/would be deemed to have been made only when the cheque is cleared and the account of the Lender is credited. Prepayment / Foreclosure charges if any will be applicable to such prepayment / foreclosure in accordance with the Schedule of Charges. However, no prepayment / foreclosure charges will be charged on loans where the interest rate is floating, or loans where the interest rate is hybrid and foreclosure is made after the fixed period (during which the fixed interest rate applies), where after the floating interest rate becomes applicable,.

XII.

Security The Loan Amount, together with interest, charges, costs, default interest, additional interest, further interest, expenses and other obligations of the Borrower under the Loan Agreement and other financing documents will be secured by the following: a. A first and exclusive mortgage (in the form and manner acceptable to the Lender) over the Property being purchased with the Loan in case of Housing Loans, or over any other immovable (residential) Property in case of a LAP. The Lender shall have the right to decide, in its sole discretion, the form, manner, type and the timing of creation of mortgage or any other security; b. Giving of a guarantee by a guarantor (either corporate or personal), wherever applicable. c. Demand promissory note(s); d. Any additional security (in the form and manner acceptable to the Lender)as required by the Lender.

XIII.

Insurance The Borrower shall, at its sole cost and risk, insure and keep insured the Property against all insurable risks, for such amounts and such periods as may be required by the Lender, with an insurance company acceptable to the Lender. The Lender shall be made/named as the sole beneficiary/loss payee under the policy and shall produce evidence thereof to the Lender. In the event of the Borrower failing to insure the Property to the satisfaction of the Lender, the Lender shall be entitled to cause the Property to be insured with an insurance company for all risks that the Lender may, in its sole discretion, deem fit and to debit the insurance charges to the Loan Account of the Borrower.

XIV.

Event(s) of Default Event(s) of Default in terms of the Loan Agreement include inter alia the following: (a) any default in payment of the Secured Obligations (or any part thereof) on the respective Due Dates. (b) Use of the Loan Amount, or any part thereof, for any purpose other than the Purpose (as set out in the Loan Agreement). (c) Any of the representations, warranties, declarations or statements made by the Borrower, whether under the Loan Agreement, Security Documents, or any other agreements/documents executed pursuant thereto and/or in the Application Form or any other information given by the Borrower being found to be incorrect, false or inaccurate at the time when they are made or deemed to be made. (d) Any breach or default by the Borrower, in performance or observance of any covenant, obligation, term, condition or undertaking imposed upon or undertaken the Borrower under the Loan Agreement, any of the Security Documents and/or any other agreements entered into pursuant thereto. (e) If, in the opinion of the Lender, there is any deterioration or impairment of the Secured Assets, or any part thereof or any decline or depreciation in the value or market price thereof (whether actual or reasonably anticipated); and/or (f) Any event or circumstance which in the opinion of the Lender is likely to adversely affect the ability of the Borrower to repay the Loan and other Secured Obligations in full to the Lender or perform any obligation under the Loan Agreement, the Security Documents or any related document/agreement. On the occurrence of any Event of Default as mentioned in the Loan Agreement or any other financing document, the outstanding principal amount plus the outstanding interest amount plus any other charges, default interest, fees etc. shall forthwith become due and payable, and the Lender shall be entitled to take such steps as mentioned in the Loan Agreement or any other financing document, including but not limited to enforcement of security to recover such dues.

XV.

Cross Default and Cross Collateralization If the Borrower(s) defaults on any other credit/ facility agreement or arrangement with DBS and/or its successors-in-interest or

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with any of the affiliates or DBS Group companies (collectively “DBS Group”), the same shall be deemed to be an Event of Default in terms of the Loan Agreement and the consequences thereof as set out in the Loan Agreement and other financing documents will follow. XVI.

Reporting As per the relevant Reserve Bank of India guidelines, the Lender will provide credit information relating to any Borrower who has availed of a Loan, to the Credit Information Company or any other licensed bureau on a monthly/periodic basis. The Borrower(s) should ensure that timely payment of all amounts due/payable in respect of the Loan are duly paid on time to inter alia avoid any adverse credit history with Credit Information Company.

XVII. Borrowers and Co-Borrowers Where the Loan is provided to more than one Borrower, the liability of the Borrower and all Co-Borrowers to repay the Loan together with all interest, and any / all other charges, fees, default interest, additional interest, further interest and other monies due/payable, and to observe the terms and conditions of the Loan Agreement, Security Documents, and any other relevant documents in relation to the Loan, shall at all times be joint and several. XVIII. Change in Address or Other Details The Borrower must notify the Lender regarding any change in residential address or any other information supplied to the Lender in relation to the Loan. The Lender must be immediately intimated of such changes. XIX.

Customer service For any service related issue, customers can get in touch with the Lender by: (i) Calling Customer Care numbers provided on our official website. (ii) Visiting a DBS Bank branch. (iii) Placing a request online by logging onto our official website: www.dbsbank.com/in.

XX.

Customer Grievance Redressal Procedure If there are instances where the customer is not satisfied with the services provided by the Lender, to highlight such instances and/or register a complaint, the customer may refer to the grievance redressal policy displayed on our official website.

XXI.

BCSBI Code DBS Bank is a member of the Banking Codes & Standards Board of India (BCSBI). Please visit the homepage of our website www.dbsbank.com/in to view the BCSBI code.

XXII. Disclaimer The terms and conditions set out herein are only an abridged form of the terms and conditions applicable to the Loan availed/proposed to be availed of by the Borrower from the Lender and do not contain the full provisions of the Loan Agreement. The detailed and full terms and conditions are mentioned in the Loan Agreement, a standard format whereof has been handed over to the Borrower for his perusal, understanding and ready reference. The Borrower must read the Loan Agreement in its entirety and carefully understand its contents before signing the same, which will in any event be final and binding on the Borrower and will prevail in case of any discrepancy/inconsistency between the terms of the MITC and those of the Loan Agreement. The Borrower shall, if required, seek legal advice from his/her/their/its lawyers to ensure that the Borrower has understood the contents hereof and of the Loan Agreement, and his/her/their/its obligations hereunder and thereunder and the full consequences of signing the same.

1st JUL 2017/1.11 1st JUL 2017/1.11

Acknowledgment Slip Received From Mr/Mrs/Ms

application for DBS bank Home Loan

We have received a cheque / draft no ___________________for Rs _______________ drawn on __________________________ towards the application fee payable. Nomination form received

Yes

No

In case of any queries relating to your application, please contact ___________________ your relationship manger at ________________ For any queries / issues related to services provided by DBS Bank Ltd or it outside service providers, please log on to the www.dbsbank.com/india to place your request online.

Customer Care (24x7): India Helpline (Toll Free) : 1800 209 4555 / 1800 103 9897, International Helpline : +91-44-66854555 / +91-44-49021150 Email: [email protected] 17 Visit us at: www.dbsbank.in

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Application Form - DBS Bank

Living, Breathing Asia DBS Mortgage Loans My Application Name Account No. Mortgages Loan Application Form Product Choice Product Name : Home Loan...

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