Two Wheeler Loan Customer Application Form

Application No.: 324000023722

Personal Details:

Full Name Date Of Birth Gender

MOHAMMAD NIYAZ NADAF 17-10-2004 MALE

Phone Number Alternate Contact PAN Number

Number
+91 9740989443 CZLPN5311H
- Not Available

Email ID Religion Marital Status

UNDEFINED - Not Available - Not Available

Permanent Address Communication Address Office Address

H NO 628 DHAMNEKHAR H NO 628 DHAMNEKHAR - Not Available

CHAL LBS NAGAR BK CHAL LBS NAGAR BK
KANGRALI BK KANGRALI KANGRALI BK KANGRALI
BELAGAVI 590010 BELAGAVI 590010
KARNATAKA (KA) KARNATAKA (KA)

Is Your Permanent Designation Mother's Maiden Name

Address Same As
- Not Available - Not Available
Communication Address?

Yes

Father's Name Spouse Name Current Employer

Nadaf - Not Available - Not Available

Office Email ID Qualification Purpose Of Facility

- Not Available - Not Available - Not Available

Employee ID Aadhar No/Proof of Employment Type

Identity
- Not Applicable - Not Available
- Not Available
Customer Category Citizenship Residential Status

- Not Available Indian Resident Individual

Add-On Product

- Not Applicable

Two Wheeler Details:

Company Model Variant

- Not Available - Not Available - Not Available

Type Registration State

- Not Available - Not Available

Facility Usage:

Utilisation District Division Sub Division

BELAGAVI PERSONAL LOANS AND PERSONAL LOANS AND

CONSUMER LOANS CONSUMER LOANS

Activity

OTHER PERSONAL LOANS -

OTHER THAN TO STAFF

Loan Details:

Loan Amount Tenure EMI

- Not Available 0 - Not Available

Processing Fee

- Not Available

IFSC Code EMI First Date EMI Last Date

- Not Available - Not Applicable - Not Applicable

Additional Details:

Place/City Of Birth* Occupation Gross Annual Income

- Not Available - Not Available - Not Available

Declaration Nominee First Name Nominee Last Name

- Not Available - Not Available - Not Available

Nominee DOB Experience Education

- Not Available - Not Available - Not Available

Company Type Department

OTHERS - Not Available

Profession Do You Have Any Existing Relationship Account

Relationship With ICICI? Number
- Not Available
No - Not Available

Are You A Relationship Have you been assisted

Director/Relative Of by an ICICI
- Not Available
Director Of ICICI Bank or Representtive?
Any Other Bank?
No
No

Branch ID

11338229
INTRODUCTION

1. All applicants which expression shall, as the subject or context may admit or require, mean any or
eachoftheApplicant who wish to either avail of financial assistance detailed below (the "Facility ") from
ICICI Bank for any purpose specified below in this Application Form (the "Purpose") are required to fully
fill-in and submitthis Application Form (and along with all other necessary details and documents) to ICICI
Bank for applying for the same..

2. ICICI Bank shall be entitled at its sole and absolute discretion to reject/approve any Application Form
submitted by the Applicant(s).

3. Upon consideration of the Application Form and all other additional documents necessary or required
for consideration of the Application Form, submitted by the Applicant(s), and if the same is to the
satisfaction ofICICI Bank, ICICI Bank shall disburse the requested Facility to the Applicant(s).

4. The Applicant(s)'s requestfor the Facility vide this Application Form, and the sanction of the same by
ICICIBank and/ordisbursement of the Facility, shall be subject to and governed by "ICICI Bank Limited's
(All-India) Standard Terms & Conditions Governing Unsecured Loans (Regular andPre Qualified Loans)"
registered on Registered on April 15, 2009 with the SubRegistrar-VII, NewDelhi/Delhi
videRegistrationNo.266inadditionalBook No.4 Vol No. 1,402 on page 165 to 173 (hereinafter referred to
as the "Standard Terms"), a copy of which has been handed over to the Applicant, as well as the terms
and conditions specified/referred to herein.

5. All capitalized terms used but not specifically defined in this Application Form shall have the
respective meanings ascribed to themunder the Standard Terms.

Note:

(i) The charges/ interest rate(s) specified inthisApplication Form and/ or the other Transaction Documents
in relation to the Facility are non refundable in nature and the rates are changeable, atthe discretion of
ICICI Bank, from time to time. ICICI Bank shall endeavour to give notice of such changes.

(ii) The charges for missed duedate shallbe payable by the Applicant/s to ICICI Bank under the ECS
method, Direct Debit method, the Salary Debit method and any other payment method selected by the
Applicant/s (exceptthe PDC method) for every instance that lnstalment/s is/are not paid to/received by
ICICI Bank in accordance with the repayment schedule specified above (irrespective ofthereasons for
suchnon-payment/non-receipt).

(iii) The cheque re-presentation charges shall be payable in each instance that any post-dated cheque is
dishonoured (under any of the payment modes) and consequently represented OR in each instance that
a post-dated cheque is presented when any lnstalment/s is/are not received by ICICIBank by/upon issue
of debitinstructions under the ECS method or Direct Debit method or any other payment method (other
than the PDC method) selected by the Applicant/s for any reasons whatsoever

(iv) GST and all other applicable taxes/ statutory levies, if any, will be charged additionally.

(v) Part prepayment facility is not available in PersonalLoan.

(vi) Prepayment of the loan is possible any time during loan tenure after payment of 1 EMI with charges
and after 12 EMIs with waiver.

(vii) Mode of Repayment : Mandate Debit from the user’s Bank Account.

(viii) Prepayment Charges : 5 % of the then outstanding amount of the Facility, or any other rate as
stipulated by ICICI Bank from time to time. GST and all other applicable taxes / statutory levies, if any,
will be charged additionally.

(ix) Charges per EMI Bounce : Rs. 400 (plus applicable taxes or other statutory levies, if any.)
(x) Penal interest (applicable on payment defaults) : 24% p.a (plus applicable taxes or other statutory
levies, if any.)

(xi) Repayment mode swap charges : Rs 500, ( Plus applicable taxes or statutory levies, if any.)

(xiii) Charges for EMI paid in Cash : Rs 100, ( Plus applicable taxes or statutory levies, if any.)

(xii) Check Pick-up charges : Rs 150, ( Plus applicable taxes or statutory levies, if any.)

DECLARATIONS BY THE APPLICANT

1. I/We declare that all the particulars and information and details given/filled in this Application Form are
true, correct, complete and up-to-date in all respects and that I/We have not withheld any information
whatsoever.

2. In addition to the representations, declarations, warranties and confirmations given by me/us in this
Application Form, I/we do hereby represent, warrant, make and confirm to ICICI Bank each of the
representations, declarations, warranties and confirmations set out in the Standard Terms (as defined
below) and do hereby further represent, warrant and confirm to ICICI Bank that each of such
representations, declarations, warranties and confirmations are, true, correct, valid and subsisting in
every respect as of the date of this Application Form, and all such representations, declarations,
warranties and agreements shall survive the execution and delivery of this Application Form, the
provision of the Facility pursuant to this Application Form and the repayment/payment in full of the
Facility and all monies in respect thereof.

3. I/We confirm that no insolvency proceedings or suits for recovery of outstanding dues or monies
whatsoever or properties and/or any criminal proceedings have been initiated and/or are impending
against me/us and that I/we have never been adjudicated insolvent by any court or other authority. I/we
have not taken any action and no other steps have been taken or legal proceedings started by or against
me/us in any court of law / other authorities for the appointment of a receiver, administrator,
administrative receiver, trustee or similar officer or for my/our assets.

4. I/We confirm that I/we shall not use the Facility (or any part thereof) for any improper/illegal/unlawful/
speculative/ capital market related activities and shall apply the Facility (or any part thereof) only for the
limited purposes specified herein. The Applicant shall use the proceeds of the Facility for the Purpose and
shall, if the Bank so desires, furnish a certificate and/ or such other valid proofs (including without
limitation valid invoices, bills, receipts, acknowledgments, etc.) to the satisfaction of the Bank, in the
format and manner acceptable to the Bank, affirming that the Facility has beenutilized for the Purpose. If
for any reason the Borrower finds itself unable to comply with this condition, it shall immediately inform
ICICI Bank in writing of the same and the reasons there for and shall, unless otherwise agreed to by ICICI
Bank, repay forthwith the outstanding balance of the Facility together with interest and all other monies
payable in respect thereof.

5. Except to the extent disclosed to ICICI Bank herein, no Chairman / Managing Director or director or a
relative/near relation of a Chairman / Managing Director or director of a banking company (including ICICI
Bank and its subsidiaries) or mutual funds/venture capital funds or a relative/near relation of a senior
officer of ICICI Bank, as specified by RBI, is: a partner of our concern, or a trustee, member, director,
manager, employee of our concern, or of our subsidiary, or our holding company, or a guarantor on
my/our behalf, or holds substantial interest in our concern or my/our subsidiary or holding company. For
the purpose of this clause the terms “relative”, “near relation” & “senior officer” shall have the same
meaning ascribed to them under the RBI master circular on Loans and Advances dated July 1, 2015, para
2.2.1.8 and shall include any amendments made thereto.” Details of any such relation as referred to
above________________________.

6. I/We undertake to inform ICICI Bank regarding any changes whatsoever in my/our addresses as
specified here in above or my employment/profession and to promptly provide such further information
that ICICI Bank (or its designated group companies or agents or representatives) may require.

7. I / We authorize ICICI Bank and their agents to exchange, share or part with all information and data
maintained with ICICI Bank relating to my/ our existing account related information including existing or
prior loans and repayment history to other ICICI group companies, banks, financial institutions, credit
bureau, agencies, mobile network operators directly or indirectly, statutory bodies and other service
providers of ICICI Bank as may be required and I/We shall not hold ICICI Bank (or any of its group
companies) liable for sharing such informationI/We further authorize ICICI Bank to submit/disclose the
‘financial information’ as defined in Section 3(13) of the Insolvency and Bankruptcy Code, 2016 (“IBC”)
(including all amendments and replacements made thereto and all rules and regulations framed
thereunder) in relation of the loan facility availed by me/ us to an Information Utility as defined in Section
3(21) of IBC. I/We further agree to promptly authenticate and verify the ‘financial information’ submitted
by ICICI Bank, as and when requested by Information Utilities.

8. I/We have fully read and understood the Standard Terms copy of which has been been provided to
me/us.

9. I /We acknowledge and agree that the grant of the Facility by ICICI Bank to me / us shall be subject to
compliance by me / us of the Standard Terms and the terms and conditions set out under this
Application.

ICICI END USE DECLARATION

I hereby represent, warrant and confirm that the loan has been taken for a valid purpose and is not
speculative or illegal in any manner. I also declare that funds under the facility will not be used towards
purchase of gold in any form, including primary gold, gold bullion, gold jewellery, gold coins, units of gold
exchange traded funds(ETF) and units of gold, mutual funds etc.

The facility either in part or full will not be used for investment in capital market, land acquisition,
acquiring equity shares of Indian company/ ies, buyback of shares of Indian company, funding of
promoters contribution in the project or any other purpose, which is prohibited or any illegal activity.

I further agree, confirm and undertake that the purpose of use of funds under the loan shall not be
changed in any manner during the tenor of loan, or that such change in purpose shall take place only
with the prior written permission of ICICI Bank.

I agree that any breach or default in complying with all or any of the aforesaid undertaking(s) will
constitute an event of default under the facility documents.

Name: MOHAMMAD NIYAZ NADAF

IP:

Time Stamp: 30-05-2024 18:37:14

Product Code: PLN001

ICICI BANK LIMITED (ALL-INDIA) STANDARD TERMS AND CONDITIONS GOVERNING
UNSECURED LOANS (REGULAR AND PRE-APPROVED LOANS)

These ‘Standard Terms and Conditions’ shall govern the Facility (as defined below) as availed by the
Borrower/s (as defined below) from ICICI Bank Limited (hereinafter termed as “ICICI Bank”) through
either:

(a) Its internet website [www…………..] , its mobile phone application or through any other platform
made available for the purpose of availing the Facility as a result of an arrangement between ICICI Bank
and any third party (hereinafter termed as “Portal/Platform”) with the documentation and communication
being communicated electronically; or

(b) The submission of the Application Form (as defined below) by the Borrower/s at any branch of ICICI
Bank.

By availing the Facility through the Portal/Platform/Application, and clicking on ‘Accept’/’Agree’/ ‘Agree
and Proceed’ icon/button and/or by submitting one time password received on the Borrower/s mobile
number registered with ICICI Bank and/or by affixing esignature or digital signature certificate/ and/or by
submission of an Application Form at any branch of ICICI Bank, the Borrower/s confirms that the they
have read, understood and agreed to the ‘Most Important Terms and Conditions of the Facility’ (MITC)
and the ‘Standard Terms and Conditions governing the Facility’ at the time of applying for the same.

In the event of any inconsistency between the Application, the MITC and the Standard Terms and
Conditions governing Facility, the terms set forth in the Most Important Terms and the Standard Terms
and Conditions of the Facility shall prevail.

DEFINITIONS AND CONSTRUCTION

1.A. In these terms and conditions (the “Standard Terms”, as referred to in the Application Form and/or
the Portal), unless there is anything repugnant to the subject or context thereof, the expressions listed
below, if applicable, shall have the following meanings:

i. “Application Form” or “Application” means, where the Facility is being availed through
submission of the application form to a branch of ICICI Bank, as the context may permit or
require, the credit facility application form submitted by the Borrower/s to ICICI Bank for
applying for and availing of the Facility, together with the preliminary credit appraisal/facility
application form and all other information, particulars, clarifications and declarations, if any,
furnished by the Borrower/s or any other persons from time to time in connection with the
Facility.

ii. “Borrower/s” means and refers jointly and severally to the applicants and co-applicants (if
any) who has / have been sanctioned/granted the Facility by ICICI Bank based on the
Application Form / acceptance of the Loan Terms through the Portal ( as the case may be) and
includes depending on the nature of the Borrower/s: (a) its successors and permitted assigns,
if the Borrower/s is a company within the meaning of the Companies Act 1956 or a society
 registered under the applicable laws relating to societies; (b) any or each of the partners and
their survivor(s) or the partner(s) from time to time and their respective heirs, legal
representatives, executors, administrators and permitted assigns, if the Borrower/s is
partnership firm within the meaning of the Indian Partnership Act, 1932; (c) his / her heirs,
legal representatives, executors, administrators and permitted assigns, if the Borrower/s is an
individual and/or carrying on business as a sole proprietary concern; (d) the karta and any or
each of the adult members of the Hindu Undivided Family (HUF) and their survivor(s) and his/
her / their respective heirs, legal representatives, executors, administrators and permitted
assigns, if the Borrower/s is a joint HUF ; and (e) the trustee(s) for the time being thereof and
the successors and permitted assigns of the trust/trustees, if the Borrower/s is a trust.

iii. “Borrower/s’ Dues” means and includes the outstanding principal amount of the Facility
(defined below), interest on the same, all other interest, all fees, costs, charges, expenses,
stamp duty and all other sums whatsoever payable by the Borrower/s to ICICI Bank in
accordance with the Loan Terms and the Transaction Documents (defined below), as well as all
other monies whatsoever stipulated in or payable by the Borrower/s under the Loan Terms.

iv. “Business Day” means a day on which the relevant/local office of ICICI Bank, as specified in
the Application Form/MITC (as applicable), or such other office as may be notified by ICICI Bank
to the Borrower/s, is open for normal business transactions.

v. “Due Date” means the date(s) on which any amounts in respect of the Borrower/s’ Dues
including the principal amounts of the Facility (defined below), interest and/or any other
monies, fall due as specified in the MITC and/or the Loan Terms and the other Transaction
Documents.

vi. “Facility” means such amount of the unsecured personal loan/financial assistance which is
applied for / availed of by the Borrower/s through submission of the Application at a branch of
ICICI Bank or availed through the Portal.

vii. “Indebtedness” means any indebtedness whatsoever of the Borrower/s at any time for or in
respect of monies borrowed, contracted or raised (whether or not for cash consideration) or
liabilities contracted by whatever means (including under guarantees, indemnities,
acceptance, credits, deposits, hire-purchase and leasing).

viii. “Loan Terms” shall mean all terms and conditions governing the Facility including but not
limited to the Standard Terms, MITC and the terms agreed to by the Borrower/s in the
Application Form (if applicable) and Transaction Documents (defined below).

ix. “Material Adverse Effect” means the effect or consequence of any event or circumstance
which is or is likely to be: (a) adverse to the ability of the Borrower/s or any person to perform
or comply with any of their respective obligations under the Loan Terms in accordance with
their respective terms; or (ii) prejudicial to any of the businesses, operations or financial
condition of the Borrower/s or of any person who is party to any Transaction Document
(defined below).

x. “MITC” shall mean the Most Important Terms and Conditions/Key Fact Statement and Most
Important Terms and Conditions document governing the Facility.

xi. “Transaction Documents” include all writings and other documents executed via electronic
means or entered into, or to be executed or entered into, by the Borrower/s or, as the case
may be, any other person, in relation, or pertaining, to the Facility and each such transaction
document as amended from time to time.

1.B. In these Standard Terms, unless the contrary intention appears:

(a) a reference to: an "amendment" includes a supplement, modification, novation, replacement or re-
enactment and "amended" is to be construed accordingly; an "authorisation" includes an authorisation,
consent, clearance, approval, permission, resolution, licence, exemption, filing and registration; “law”
includes any constitution, statute, law, rule, regulation, ordinance, judgement, order, decree,
authorisation, or any published directive, guideline, requirement or governmental restriction having the
force of law, or any determination by, or interpretation of any of the foregoing by, any judicial authority,
whether in effect as of the date of signing/submission of the Application Form or thereafter and each as
amended from time to time.

(b) the singular includes the plural (and vice versa);

(c) the headings in these Standard Terms are inserted for convenience of reference only and are to be
ignored in construing and interpreting the Loan Terms;

(d) reference to the words “include” or “including” shall be construed without limitation;

(e) reference to a gender shall include references to the female, male and neuter genders;

(f) all approvals, permissions, consents or acceptance required from ICICI Bank for any matter shall
require the “prior”, “written” approval, permission, consent or acceptance of ICICI Bank;

(g) in the event of any disagreement or dispute between ICICI Bank and the Borrower/s regarding the
materiality of any matter including of any event, occurrence, circumstance, change, fact, information,
document, authorisation, proceeding, act, omission, claims, breach, default or otherwise, the opinion of
ICICI Bank as to the materiality of any of the foregoing shall be final and binding on the Borrower/s.

Note: All capitalised terms used but not specifically defined herein shall have the respective meanings
ascribed to them under the Application Form (if applicable).

FACILITY AND DISBURSEMENT

1. The principal amount of the Facility applied for / availed of by the Borrower/s shall be the amount
specified in the MITC. The amount of the Facility may be enhanced for funding the insurance
premium at the request of the Borrower/s keeping the monthly Installment (as defined hereinafter)
amount constant and varying the number of monthly Installments accordingly.

2. Once the Application Form submitted by the Borrower/s is accepted by ICICI Bank, or after clicking
on the “Accept/Agree/Agree & Proceed” button on the Portal, the Borrower/s shall not be entitled to
cancel the Facility or refuse to accept disbursement of the Facility, except with approval of ICICI
Bank and payment to ICICI Bank of such cancellation or foreclosure charges as may be stipulated
by ICICI Bank.

3. The Borrower/s shall be liable to pay interest on the Facility at the rate and on the date(s)
specified in the MITC and/or as displayed to the Borrower/s on the Portal (as the case may be). The
rate of interest payable by the Borrower/s shall be subject to changes based on guidelines /
directives issued by the Reserve Bank of India (RBI) to banks from time to time. The Borrower/s also
note and acknowledge that ICICI Bank is obliged to give effect to any revision of interest rates,
whether upwards or downwards, on all existing advances/financial assistances as per the RBI
 guidelines/directives. Disbursements under the Facility shall be deemed to be made on the date the
cheque(s)/ pay order(s) / authorization(s) / demand draft(s) are issued/made by ICICI Bank and not
on the date of their actual receipt, and if by credit, when credit is made by ICICI Bank.

4. ICICI Bank may deduct processing fees, as stipulated in the MITC, from the Facility amount prior to
disbursement to the Borrower/s. For abundant clarity, the Borrower/s shall remain liable for the
entire Facility (including the amount deducted towards the payment of the processing fees), as if
the entire Facility amount had been disbursed to the Borrower/s.

PAYMENT, PREPAYMENT AND OTHER CHARGES

4.The Borrower/s shall repay the Facility to ICICI Bank in one installment or in such number of
installments, and with such installment/s being of such amounts and on the Due Date(s) as is specified in
the MITC (time being of the essence of the contract); such installments are hereinafter referred to,
individually, as an “Installment” and, collectively, as the “Installments”. ICICI Bank shall be entitled to
vary/modify the Installment/s (including increases in the amount of one or more Installment/s) in the
event of changes to the interest rate on the Facility. The expression “Installments” shall comprise of both
the principal amount of the Facility and interest thereon.

5. In case the Facility has been availed by the Borrower/s by submission of an Application Form to a
Branch of ICICI Bank, the Borrower/s may repay / pay the monies in respect of the Facility through any
one of the following modes – post-dated cheques (“PDC method”) / the Electronic Clearing System (Debit
Clearing) as notified by the RBI (“ECS method”)/ direct debit from the Borrower/s’ bank account with
ICICI Bank (“Direct Debit method”) / by deduction from the Borrower/s’ salary (“Salary Debit method”) /
by directly paying amounts when due to ICICI Bank (“Direct Payment method”) / National Automated
Clearing House mandate (“NACH Mandate”) / by any other method, and as has been selected by the
Borrower/s in the Application Form or as may be required by ICICI Bank. ICICI Bank may, in its sole
discretion, require the Borrower/s to adopt or switch to any alternate mode of payment and the
Borrower/s shall comply with such request, without demur or delay. The method for payment as selected
by the Borrower/s in the Application Form or the mandates given by the Borrower/s under any payment
mode cannot be cancelled or revoked by the Borrower/s without prior consent of ICICI Bank. If the
Borrower/s cancels or revokes (or attempts to cancel or revoke) such mandates without the prior consent
of ICICI Bank, such acts of the Borrower/s shall be deemed to have been committed with a criminal intent
and ICICI Bank shall be entitled to initiate appropriate criminal proceedings against the Borrower/s.

5A. In case the Facility has been availed by the Borrower/s through the Portal, and/ or through any other
third party integration with an online mobile application or website, ICICI Bank is irrevocably authorized
to debit the savings account of the Borrower/s maintained with ICICI Bank for the Installment
amount/Equated Monthly Installment (EMI) amount as mentioned in the MITC or such other amounts as
may be specified in terms of the requirements of ICICI Bank, and credit the relevant account of ICICI
Bank over the entire tenure of the loan with effect from the date of disbursement of the loan till the time
the entire Facility is repaid. In the event of the savings account gets closed/transferred for any reason,
the Borrower/s shall intimate ICICI Bank of the new account opened with the bank to debit the
Installment amounts as per the Loan Terms. Further, the Borrower/s undertakes to provide the fresh set
of debit mandate and security PDCs for such new account, as per the Loan Terms in lieu of existing
instructions.
6.Notwithstanding anything contained in the Loan Terms or the Transaction Documents, and irrespective
of the mode of payment selected by the Borrower/s in the Application Form, or as stipulated in the MITC
(as the case may be), upon any default by the Borrower/s in payment of one or more Installments on the
Due Date pertaining to the Facility or any non-realisation of the Installments on the Due Date by ICICI
Bank, ICICI Bank shall be entitled, without prejudice to its other rights under the Loan Terms, to present
and/or re-present the cheques or post-dated cheques, if any, issued by the Borrower/s in favour of ICICI
Bank in connection with the Facility. Irrespective of the mode of payment selected by the Borrower/s in
the Application Form, or the mode of payment stipulated under the MITC ( as the case may be), ICICI
Bank shall as it may deem appropriate and necessary, be entitled to require the payment and/or
collection of the Installments and all other amounts comprising the Borrower/s’ Dues, or the post-dated
cheques, if any, submitted by the Borrower/s, by means of electronic clearing system (debit)/NACH
Mandate, by itself or through such other person permitted for the same, instead of and in lieu of
presenting / re-presenting such cheques or post-dated cheques, if any, issued by the Borrower/s in
favour of ICICI Bank or utilizing any other mode or manner of payment or repayment of the Installments
and all other amounts comprising the Borrower/s’ Dues, provided that such right of ICICI Bank shall be
without prejudice to its other rights under the Loan Terms (including the right to represent the post-dated
cheques), in case of any failure to receive the Installments or any other amounts due, through the
electronic clearing system (debit)/NACH Mandate for any reason whatsoever.

7.The Borrower/s shall at all times maintain sufficient funds in his/her/their bank account/s to ensure that
the Installments are received /realised by ICICI Bank

8. Notwithstanding the mode of repayment/payment , the Borrower/s shall continue to remain at all
times, liable and responsible for ensuring the payment/repayment of all Installments and all other
monies in respect of the Facility to ICICI Bank on or before the relevant Due Date(s) without any further
notice/intimation being given by ICICI Bank and all such amounts payable by the Borrower/s to ICICI Bank
shall be paid, at such place/s as ICICI Bank may specify, without any deductions whatsoever so as to
enable ICICI Bank to fully realise the amounts due on or before the respective Due Date(s). Credit for
payments by any method will be given only on realisation or on the relative Due Date(s) whichever is
later. The acceptance by ICICI Bank of any payment which is less than the full Installment or other
amounts due and owing at such time shall not constitute a waiver of ICICI Bank’s right to receive
payment in full at such time or at any subsequent time or a waiver of any other rights whatsoever of
ICICI Bank under the Loan Terms.

9. The Borrower/s shall not be entitled to cancel or issue stop-payment instructions with respect to the
postdated cheques for so long as the Facility (or any part of the Borrower/s’ Dues) is outstanding and any
such acts of the Borrower/s shall be deemed to have been committed with an intention to cheat ICICI
Bank and avoid prosecution under the Negotiable Instruments Act, 1881, and ICICI Bank shall be entitled
to initiate appropriate criminal proceedings against the Borrower/s.

10. The Borrower/s shall promptly replace the post-dated cheques and/or the mandates, agreements
and/or other documents executed for payment of the Installments and issue fresh post-dated cheques,
mandates, agreements and/or other documents in lieu thereof to the satisfaction of ICICI Bank, if ICICI
Bank is facing any difficulty/inconvenience/impediment for any reason whatsoever in presenting such
cheques / issuing debit instructions or if required at any time by ICICI Bank at its sole discretion.
11. The Borrower/s may (in case such cheques have been issues) , subject to prior approval by ICICI
Bank, be permitted to swap/ exchange the post-dated cheques issued to ICICI Bank with alternate post-
dated cheques drawn on another bank (as approved by ICICI Bank) subject to payment to ICICI Bank of
the “cheque swap” charges as specified in the MITC.

12. The payment of the Installments shall commence and continue as per the schedule specified in the
MITC.

13. The Borrower/s shall not, without the explicit/implicit approval/permission of ICICI Bank (which
approval may be given subject to such terms and conditions as may be stipulated by ICICI Bank including
payment of minimum prepayment amount, prepayment premium or discounted interest and/or any other
charges, plus applicable interest tax or other statutory levy), prepay the outstanding principal amount of
the Facility in full or in part, before the Due Dates. In the event any part prepayment of the Facility is
permitted by ICICI Bank, the repayment schedule/amount of Installment(s) as specified in the MITC shall
be amended by ICICI Bank and the Borrower/s shall thereafter make payment of the Installments as per
such amended schedule.

14. If the Borrower/s default/s in making payment of any Installment/s or any other amounts comprising
the Borrower/s’ Dues to ICICI Bank on the respective Due Date(s), the Borrower/s shall be liable to pay
further interest at the rate specified in the MITC (plus applicable interest tax or other statutory levy) on
all such outstanding/unpaid amounts from the relevant Due Date till the date of payment of such entire
amount. Such further interest shall be in addition to any other charges, which the Borrower/s is liable to
pay to ICICI Bank in terms of the Loan Terms.

15. Interest, commitment fee / charges, further interest and all other charges shall accrue on a day to
day basis and shall be computed as may be decided by ICICI Bank at its sole discretion, which may be on
the basis of 1/12 applied monthly or 365 days a year and the actual number of days elapsed.

16. Monthly Installment amount shall be rounded off to the next higher Rupee.

17. If the Due Date in respect of any amounts payable in respect of the Facility under the Loan Terms
falls on a day which is not a Business Day at the place where the payment is to be made, the
immediately preceding Business Day shall be the Due Date for such payment.

18. The Borrower/s shall bear all interest tax, service tax, all other imposts, duties (including stamp duty
and relevant registration and filing charges and taxes (of any description whatsoever) as may be levied
from time to time by the Government or other authority and all other costs and expenses whatsoever
(including but not limited to any costs and expenses incurred by ICICI Bank and its representatives and
consultants) in connection with/on (a) the application for, and the grant and repayment of, the Facility,
(b) the Application Form (if applicable), Standard Terms and/or any Transaction Document, (c) recovery
and realisation of the Borrower/s’ Dues, (d) creation, enforcement and realisation of the security (if any),
(e) inspections, and (f) ICICI Bank’s advocate’s fees and expenses for any of the above. The Borrower/s
shall also pay/ reimburse ICICI Bank for all losses, damages, costs, charges, claims, expenses and liability
of any kind or nature whatsoever (including but not limited to any stamp duty, other duties, taxes,
charges and penalties and/or any increases in costs to ICICI Bank by reason of any change in law, or in
its interpretation or administration, under/in relation to the Application (if applicable), the Standard
Terms and the security, if any, to be created by the Borrower/s) suffered, sustained or incurred by ICICI
Bank (or its representatives and consultants) in connection with any of the above matters if and when
the same is required to be paid according to the laws for the time being in force.

19. In the event of the Borrower/s failing to pay any of the monies referred to above, ICICI Bank shall be
at liberty (but shall not be obliged) to pay the same. The Borrower/s shall reimburse all sums and all
losses, damages and expenses (as referred to in the preceding clause) paid / incurred by ICICI Bank
(and/or its representatives and consultants) in relation to the Facility (or any of the other matters
referred to in the preceding clause) within 7 days from the date of notice of demand from ICICI Bank. All
such sums shall carry interest from the date of payment till such reimbursement to ICICI Bank at the rate
of further interest specified in the MITC.

20. Notwithstanding any of the provisions of the Indian Contract Act, 1872 or any other applicable law, or
any terms and conditions to the contrary contained in the Loan Terms and/or the other Transaction
Documents, ICICI Bank may, at its absolute discretion, appropriate any payments made by the
Borrower/s in accordance with the Loan Terms and/or the Transaction Documents Notwithstanding any
such appropriation by ICICI Bank towards settlement of any dues payable by the Borrower/s to ICICI Bank
under any other agreements between the Borrower/s and ICICI Bank, the Borrower/s shall continue to
remain liable to ICICI Bank for all outstanding/remaining amounts comprising the Borrower/s’ Dues.

ADDITIONAL COVENANTS

20. The Borrower/s shall:

(i) Promptly notify ICICI Bank of the occurrence of any event or the existence of any circumstances,
which constitutes or results in any declarations, representation, warranty, covenant or condition under
the Loan Terms and/or the other Transaction Documents being or becoming untrue or incorrect in any
respect.

(ii) Promptly deliver to ICICI Bank such statements / information / accounts / records / reports /
documents, financial or otherwise, as may be required by ICICI Bank from time to time in relation to the
Facility, the Borrower/s’ business and operations, assets etc. within the period specified by ICICI Bank.

(iii) Promptly notify ICICI Bank of any action or steps taken or legal proceedings started by or against
him/her/them in any court of law for /his/her/their insolvency, bankruptcy or for the appointment of a
receiver, administrator, trustee or similar officer of/over any of the Borrower/s’ assets.

(iv) Promptly notify ICICI Bank of any litigation, arbitration, administrative or other proceedings initiated
or threatened against the Borrower/s or his/her/their assets.

(v) Promptly notify ICICI Bank of any circumstances and conditions which have/may have a Material
Adverse Effect.

(vi) Promptly, and not later than 7 days from the occurrence of any of the following events, notify ICICI
Bank in writing with full details of the same: (a) death of any of the Borrower/s; and (b) all change/s in
the location/address of any of the Borrower/s’ office or residence or place of business

(vii) If required by ICICI Bank, the Borrower agrees and undertakes to provide and furnish to ICICI Bank,
to their satisfaction, such security as required to secure the Facility. Failure of the Borrower to do so shall
be termed as an Event of Default.
EVENTS OF DEFAULTS

21. The following acts/, as set out below, shall each constitute an “Event of Default” by the Borrower/s
for the purposes of the Loan Terms:

i. Default (including, but not limited to, any payment default) has occurred in the performance of any
covenant, condition or agreement on the part of the Borrower/s under the Loan Terms or on the part of
any other person.

ii. Breach of any representation, warranty, declaration or confirmation under the Loan Terms or any
other Transaction Document has occurred / been committed and/or the Borrower/s has/have committed
any fraud/ failed to submit any material information as required under the Loan Terms.

iii. The Borrower/s has, or there is a reasonable apprehension that the Borrower/s has or would,
voluntarily or involuntarily become the subject of proceedings under any bankruptcy or insolvency law,
or becomes bankrupt or insolvent or if the Borrower/s has taken or suffered to be taken any action for
insolvency or bankruptcy or if a receiver has been appointed or allowed to be appointed of/over all or
any part of the properties of the Borrower/s or if an attachment or distraint has been levied on the
assets or any part thereof or certificate proceedings have been taken or commenced for recovery of any
dues from the Borrower/s or if one or more judgements or decrees have been rendered or entered
against the Borrower/s.

iv. Death of the Borrower/s, or any one of them.

v. It is or becomes unlawful for the Borrower/s or any person (including ICICI Bank) to perform any of
their respective obligations under the Loan Terms and/or any other Transaction Document.

vi. The Borrower/s is unable or has admitted in writing its inability to pay any of its Indebtedness as they
mature or when due.

vii. An event of default howsoever described (or any event which with the giving of notice, lapse of
time, determination of materiality or fulfilment of any other applicable condition or any combination of
the foregoing would constitute an event of default) occurs under any agreement or document relating
to any Indebtedness of the Borrower/s or if any other lenders of the Borrower/s including financial
institutions or banks with whom the Borrower/s has entered into agreements for financial assistance
have recalled its/their assistance or any part thereof.

viii. One or more events, conditions or circumstances (including any change in law) occur or exist, which
in the sole opinion of ICICI Bank, could have a Material Adverse Effect.

22. The Borrower/s shall promptly notify ICICI Bank in writing upon becoming aware of any default and
any event which constitutes (or, with the giving of notice, lapse of time, determination of materiality or
satisfaction of other conditions, would be likely to constitute) an Event of Default and the steps, if any,
being taken to remedy it.

23. The decision of ICICI Bank as to whether or not an Event of Default has occurred shall be final and
binding upon the Borrower/s.

RIGHTS AND REMEDIES OF ICICI BANK

24. On the happening of any of the Events of Default, ICICI Bank may, by a notice in writing to the
Borrower/s and without prejudice to the rights and remedies available to ICICI Bank under the Loan
Terms or any other Transaction Document or otherwise call upon the Borrower/s to pay all the
Borrower/s’ Dues in respect of the Facility.

25. ICICI Bank shall be entitled, at the sole risk and cost of the Borrower/s, to engage one or, more
person(s) to collect the Borrower/s’ Dues and ICICI Bank may (for such purposes) furnish to such
person(s) such information, facts and figures pertaining to the Borrowers as ICICI Bank deems fit. ICICI
Bank may also delegate to such person(s) the right and authority to perform and execute all acts,
deeds, matters and things connected therewith, or incidental thereto, as ICICI Bank deems fit.

26. ICICI Bank shall not in any way be liable/responsible, by reason of exercise or non-exercise of any
rights and remedies available to ICICI Bank as aforesaid.

27. If any one (or more) Events of Default shall have occurred, then ICICI Bank shall, in addition to the
various rights and remedies of ICICI Bank referred to in the clauses above, be irrevocably entitled and
authorised to contact and require the Borrower/s' employers to make deduction/s from the salary/wages
payable by the employer to the Borrower/s and to remit the same to ICICI Bank until all of the
Borrower/s’ Dues outstanding from the Borrower/s to ICICI Bank is/are completely discharged. The
deductions shall be of such amounts, and to such extent, as ICICI Bank may communicate to (and
instruct) the Borrower/s’ employers. The Borrower/s shall not have, or raise/create, any objections to
such deductions. No law or contract governing the Borrower/s and/or the Borrower/ s’ employer
prevents or restricts in any manner the aforesaid right of ICICI Bank to require such deduction and
payment by the Borrower/s’ employer to ICICI Bank. Provided however that in the event the said
amounts so deducted are insufficient to repay the outstanding Borrower/s’ Dues to ICICI Bank in full, the
unpaid amounts remaining due to ICICI Bank shall be paid by the Borrower/s in such manner as ICICI
Bank may in its sole discretion decide and the payment shall be made by the Borrower/s accordingly.

28. Notwithstanding any suspension or termination of the Facility, all rights and remedies of ICICI Bank
as per the Loan Terms and other Transaction Documents shall continue to survive until the receipt by
ICICI Bank of the Borrower/s’ Dues in full.

SET-OFF

29. (i) ICICI Bank and its group companies shall have the paramount right of set-off and lien,
irrespective of any other lien or charge, present as well as future on the deposits of any kind and nature
(including fixed deposits) held/ balances lying in any accounts of the Borrower/s, whether in single name
or joint name(s) and on any monies, securities, bonds and all other assets, documents and properties
held by/ under the control of ICICI Bank and/or its group companies (whether by way of security or
otherwise pursuant to any contract entered/ to be entered into by the Borrower/s in any capacity) to the
extent of all outstanding dues, whatsoever, arising as a result of any of ICICI Bank's or its group
companies’ services extended to and/or used by the Borrower/s and/or as a result of any other facilities
that may be granted by ICICI Bank and/or its group companies to the Borrower/s. ICICI Bank and/ or its
group companies are entitled without any notice to the Borrower/s to settle any indebtedness
whatsoever owed by the Borrower/s to ICICI Bank and/or its group companies, (whether actual or
contingent, or whether primary or collateral, or whether joint and/or several) hereunder or under any
other document/ agreement, by adjusting, setting-off any deposit(s) and/or transferring monies lying to
the balance of any account(s) held by the Borrower/s with ICICI Bank and/or its group companies
notwithstanding that the deposit(s)/ balances lying in such account(s) may not be expressed in the
same currency as such indebtedness. ICICI Bank's and its group companies’ rights hereunder shall not
be affected by the Borrower/s’ bankruptcy, death or winding-up. It shall be the Borrower/s’ sole
responsibility and liability to settle all disputes/ objections with any such joint account holders. (ii) In
addition to the above mentioned right or any other right which ICICI Bank and its group companies may
at any time be entitled whether by operation of law, contract or otherwise, the Borrower authorises the
Bank: (a) to combine or consolidate at any time all or any of the accounts and liabilities of the Borrower
with or to any branch of ICICI Bank and/or its group companies; (b) to sell any of the Borrower/s’
securities or properties held by the Bank by way of public or private sale without having to institute any
judicial proceeding whatsoever and retain/appropriate from the proceeds derived there from the total
amounts outstanding to ICICI Bank and/or it group companies from the Borrower/s, including costs and
expenses in connection with such sale; and (c) in case of cross currency set-off, to convert an obligation
in one currency to another currency at a rate determined at the sole discretion of ICICI Bank and/ or its
group companies. .

ADDITIONAL TERMS AND CONDITIONS GOVERNING INSTANT GRANT AND DISBURSEMENT OF THE
FACILITY THROUGH THE PLATFORM/PORTAL

THIRD PARTY ALLIANCES FOR THE FACILITY

30. In case the Facility has been availed through a third party mobile application or website, pursuant to
an integration/arrangement with the Portal: (i) ICICI Bank holds out no warranty or makes no
representation about the quality, delivery or otherwise of the goods and services or the discount offered
by any Alliance Partner third party digital platform (“Alliance Partner”) where the Facility is being made
available by ICICI Bank. Any dispute or claim regarding the goods, services and discount must be
resolved by the Borrower/s with the Alliance Partner directly without any reference to ICICI Bank. (ii)
ICICI Bank shall not be liable in any manner whatsoever for any loss/ damage/ claim that may arise out
of use or otherwise of any goods/ services / discount / gift vouchers availed by the Borrower/s from the
Alliance Partner under any program/offer/alliance. (iii) ICICI Bank shall not be impleaded in any direct /
indirect / consequential claims, actions, suits, proceedings, arising out of or resulting from (a) Non-
performance or inadequate performance or provision of deficient services or breach by the Alliance
Partner or its personnel of any of its obligations and (b) Acts, omissions, errors, representations,
misrepresentations, misconduct, negligence of the Alliance Partner and/or its personnel in performance
of its obligations. (iv) ICICI Bank may disburse the Facility to the savings account of the Borrower/s
and/or any other wallet/account/merchant partner/aggregator/account of such third party that owns and
runs the aforesaid mobile application or website, or a combination of these accounts/wallets, and the
entire amount that has been disbursed across these accounts/wallets shall be treated as if the same
had been disbursed in a sole account. (v) The Facility granted by ICICI Bank shall be at all times
independent of any cancellation/revocation/return of goods, services or discounts offered by any
Alliance Partner, and shall remain unaffected and continue to remain unaffected in case of such
cancellation/revocation/return. For abundant clarity, the Facility and the obligations of the Borrower/s
under the Transaction Documents shall continue, as if the aforementioned
cancellation/revocation/return had not occurred in the first place. (vi) ICICI Bank holds out no warranty
or makes no representations and shall in no way be held liable/responsible for any
refunds/cashbacks/discounts that are due, or may become due to the Borrower/s from the Alliance
Partner, in any manner whatsoever.

MISCELLANEOUS
31. The Borrower/s’ Dues, shall not be revoked or cancelled or affected by the death or insolvency of
the Borrower/s or any third party, and ICICI Bank shall, so long as the whole (or any part) of the
Borrower/s’ Dues remains outstanding/payable to ICICI Bank, be entitled to act upon and enforce all of
its rights pursuant to, and in accordance with, the Loan Terms and the Transaction Documents executed
by the Borrower/s and/or any other persons to/in favour of ICICI Bank.

32. The Borrower unconditionally agrees, undertakes and acknowledges that ICICI Bank has an
unconditional right to cancel any outstanding un-drawn commitments under the Transaction Documents
at any time during the currency of the Facility and that ICICI Bank shall endeavor to provide prior
intimation of the same to the Borrower.

32A. The Borrower unconditionally agrees and undertakes that the Facility shall, either in full or in part,
not be utilized towards purchase of gold, bullion, jewelry, acquisition of land/immoveable property,
acquiring equity shares of Indian company/ies and/or investment in capital markets.

33. The entries made in the accounts / account books / records of ICICI Bank maintained in accordance
with its usual practice and in compliance with the statutory requirements and/or any statement signed
by a designated officer of ICICI Bank with respect to the Borrower/s’ Dues, shall be final and binding on
the Borrower/s. Such entries and/or statements shall be conclusive evidence of the existence and
amount of outstanding obligations of the Borrower/s as therein recorded in respect of the Facility and
the Borrower/s’ Dues.

34. In case ICICI Bank recalls the Facility upon/after the occurrence of an Event of Default, and the
Borrower/s requests ICICI Bank to accept part payment/s of the Borrower/s’ Dues and to permit the
Borrower/s to continue repaying the Installments in future, ICICI Bank may entertain/accept such
requests upon such further terms and conditions as ICICI Bank may think fit and proper in its sole
discretion. Any decision taken by ICICI Bank not to allow such request/s of the Borrower/s shall be final
and binding on the Borrower/s.

35. All notices or other communications under or in connection with the Borrower/s’ Dues and/or the
Loan Terms shall be given in writing and, unless otherwise stated may be made by letter or facsimile or
any other electronic or telecommunication mode including email, Whatsapp or SMS. Any such notice or
communication will be deemed to be effective: (i) if sent by letter, when delivered personally or if
dispatched by post, when recall of the letter is outside the control of the sender; and (ii) if sent by
facsimile, when sent (on receipt of a confirmation to the correct facsimile number); and (iii) if sent by e-
mail, WhatsApp, SMS or any other electronic or telecommunication mode, when sent by the sender
Provided, however, that no notice or communication to ICICI Bank shall be effective unless actually
received and acknowledged by ICICI Bank. Notices or communication may be made to: (i) the
Borrower/s’ address or facsimile number or telecommunication number/email ID registered with ICICI
Bank to which notices are to be sent (as specified in the Application Form), and (ii) ICICI Bank’s zonal /
regional /branch office address or number (as specified in the Application Form), or to such other
address or number as may be designated by the Borrower/s and ICICI Bank in writing to each other. In
the event of any failure by the Borrower/ s to notify ICICI Bank in writing of any changes in his/her/their
contact address or details, service of a notice/ correspondence to the address specified in the
Application Form or last given by the Borrower/s shall be deemed to be proper and sufficient service on
the Borrower/s irrespective of whether or not such notice shall be returned “unserved” to ICICI Bank.
36. The Borrower/s shall not assign or transfer all or any of its rights, benefits or obligations under the
Loan Terms without the approval of ICICI Bank. ICICI Bank may, at any time, assign or transfer all or any
of its rights, benefits and obligations under the Loan Terms and the other Transaction Documents.
Notwithstanding any such assignment or transfer, the Borrower/s shall, unless otherwise notified by
ICICI Bank, continue to make all payments under the Loan Terms to ICICI Bank and all such payments
when made to ICICI Bank shall constitute a full discharge to the Borrower/s from all its liabilities in
respect of such payments.

37. Without prejudice to the aforesaid provisions of clause 36, ICICI Bank may (at its sole discretion),
without notice to the Borrower/s, share the credit risk of the whole or a part of the Facilities with any
other person by way of participation. Notwithstanding such participation, all rights, title, interests,
special status and other benefits and privileges enjoyed or conferred upon or held by ICICI Bank under
the Loan Terms and the other Transaction Documents shall remain valid, effective and enforceable by
ICICI Bank on the same terms and conditions and the Borrower/s shall continue to discharge in full all its
obligations under the Loan Terms and the other Transaction Documents to ICICI Bank. The Borrower/s
shall not have and shall not claim any privity of contract with such person on account of any reason
whatsoever.

38. Any provision of the Loan Terms or any other Transaction Document, which is prohibited or
unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of the
prohibition or unenforceability but that shall not invalidate the remaining provisions of the Loan Terms
or such other Transaction Document or affect such provision in any other jurisdiction.

39. No delay in exercising or omission to exercise any right, power or remedy accruing to ICICI Bank
upon any default or otherwise under the Loan Terms or the other Transaction Documents shall impair
any such right, power or remedy or shall be construed to be a waiver thereof or any acquiescence in
such default, nor shall the action or inaction of ICICI Bank in respect of any default or any acquiescence
by it in any default, affect or impair any right, power or remedy of ICICI Bank in respect of any other
default. The rights of ICICI Bank under the Loan Terms and the other Transaction Documents may be
exercised as often as necessary, are cumulative and not exclusive of their rights under the general law
and may be waived only in writing and specifically and at ICICI Bank’s sole discretion.

40. Any claim or dispute whatsoever (whether in contract, tort or otherwise) arising out of or in
connection under these Loan Terms, including any question regarding its construction, meaning,
existence, validity, breach, recall, recovery or termination, shall be resolved and settled by or through
the process of mediation or conciliation if the Borrower/s and the Bank agree to such process, and which
process will be administered in accordance with the applicable mediation or conciliation rules of the
Sama, an independent online dispute resolution institution. If the Borrower/s and the Bank cannot agree
to undertake such process, or if the mediation or conciliation process does not resolve the claim or
dispute within the period stipulated in such rules or within a period of days (whichever is earlier), then
the claim or dispute shall be taken forward for resolution by means of arbitration in terms of the
applicable rules of Sama, and in accordance with the Arbitration and Conciliation Act, 1996, which shall
be conducted (including for recording of evidence or tendering of documents), concluded and
administered online by Sama through its website/platform www.sama.live or mobile application. The
arbitral tribunal shall consist of an independent sole arbitrator appointed in accordance with the
applicable arbitration rules of Sama. The seat of arbitration proceedings shall be Mumbai. The
procedural law of arbitration shall be rules of Sama.
41. The Facility, Loan Terms and the other Transaction Documents shall (unless otherwise specified in
any Transaction Document) be governed by and construed in accordance with the laws of India.

42. ICICI Bank shall, as it may deem appropriate and necessary, be entitled to disclose all or any: (i)
information and data relating to the Borrower/s; (ii) information or data relating to the Facility, Loan
Terms, Transaction Documents (iii) obligations assumed / to be assumed by the Borrower/s in relation to
the Facility under the Loan Terms, the Transaction Documents ; (iv) default, if any, committed by the
Borrower/s in discharge of the aforesaid obligations, to the Credit Information Bureau (India) Limited
(“CIBIL”) and any other agency authorised in this behalf by the RBI. CIBIL and / or any other agency so
authorised may use and/or process the aforesaid information and data disclosed by ICICI Bank in any
manner as deemed fit by them. CIBIL and / or any other agency so authorised may furnish for
consideration, the processed information and data or products thereof prepared by them, to ICICI Bank /
financial institutions and other credit grantors or registered users, as may be specified by RBI in this
behalf. All information and data furnished by the Borrower/s to ICICI Bank from time to time shall be true
and correct.

43. In case the Borrower/s commits any default in payment or repayment of principal amount of the
Facility or interest/charges due thereon, ICICI Bank and/or the RBI will have an unqualified right to
disclose or publish the details of such default along with the name of the Borrower/s and/or its
directors/partners/co-applicants, as applicable, as defaulters in such manner and through such media as
ICICI Bank and/or RBI may, in their absolute discretion, think fit.

44. The Borrower/s’ liability for repayment of the Borrower/s’ Dues shall, in cases where more than one
Borrower have jointly applied for the Facility, be joint and several. If the Borrower/s is an individual
doing business as a sole proprietary concern, the Borrower/s shall be solely responsible for the liabilities
of the aforesaid concern and will be personally liable for making repayment / payments of all amounts
in respect of the Facility to ICICI Bank. 45. ICICI Bank has the absolute discretion to amend or
supplement any of the Loan Terms at any time and will endeavour to give prior notice of fifteen days by
email or put up on the website as the case may be for such changes wherever feasible and such
amended terms and conditions will thereupon apply to and be binding on the Borrower. Further, the
Loan Terms shall also be subject to the changes based on guidelines / directives issued by the RBI to
banks from time to time.

Customer Name :

(Account Holder/s)

Name: MOHAMMAD NIYAZ NADAF

IP Address:

Time Stamp: 30-05-2024 18:37:14