011825200011920 Aug 17, 2013

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Mr. Charanjeet Singh Kohli

F-iii
Vishnu Garden
Delhi
Faridabad - 110018
Haryana

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Customer ID : 4465565
Loan Account No : 011825200011920

vknj.kh; Mr. Charanjeet Singh Kohli,

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bZesy % namaste@fullertonindia.com
VSDlV eSlst % (SMS): ‘Contact Me’ 98457 88800 ij Hkst nsa
Qksu ¼Vksy&Ýh½ % 1800 103 6001 ;k ¼Vksy&isM½ 040 4455 6000
Ik= % ih-vks- ckWDl 8108, ckanzk ¼iwoZ½] eqacbZ – 400051.
'kk[kk dk irk : Fullerton India Credit Company Limited, 55,Ground Floor, Neelam-Bata Road, NIT, Faridabad 121001
'kk[kk laidZ fooj.k : 1293215551

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?kj : Not Available
vkWfQl : 4330000
eksckby : 9990091556
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Rahul Bhardwaj
General Manager – Customer Fulfillment

Page 1 of 12
 011825200011920 Aug 17, 2013
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Mr. Charanjeet Singh Kohli

F-iii
Vishnu Garden
Delhi
Faridabad - 110018
Haryana

Welcome to the Fullerton India Family

Customer ID : 4465565
Loan Account No : 011825200011920

Dear Mr. Charanjeet Singh Kohli,

Welcome to the Fullerton India family, we are delighted to have you as our valued customer.

We hope that we have been able to provide you with exceptional quality of service. Our endeavor is to give the best experience
possible through our financial products and services designed specifically for customers like you.

Attached along with this letter is a Repayment Schedule that also gives all the important details of your loan account with us.
Please study the document carefully. If you require any clarification regarding you loan account, please contact us through:

Email : namaste@fullertonindia.com
Text Message (SMS) : ’Contact Me’ at 98457 88800
Telephone : ( Toll-free) 1800 103 6001 or (Toll-paid) 040 4455 6000
Letter : PO Box 8108, Bandra (E), Mumbai-400051
Branch Address : Fullerton India Credit Company Limited, 55,Ground Floor, Neelam-Bata Road, NIT, Faridabad 121001
Branch Contact details : 1293215551

Your Contact Numbers in our records, as provided by you, are as mentioned below:
Residence : Not Available
Office : 4330000
Mobile : 9990091556
If you wish to provide additional contact details or intimate change in your contact details, kindly contact us or visit our branch.
Once again, we thank you for choosing us to be your partner in fulfilling your dreams & aspirations.
With best wishes,
Your faithfully,

Rahul Bhardwaj
General Manager – Customer Fulfillment

Attached is Your Repayment Schedule with Loan Account details.

Page 2 of 12
Repayment Schedule with Loan Account details
CUSTOMER DETAILS CUSTOMER LOAN ACCOUNT DETAILS DEDUCTIONS

Customer Name Mr. Charanjeet Singh Kohli Customer ID 4465565 Advance EMI Payment NA

Loan Account No 011825200011920 Loan Documentation Fee Rs.1,910

F-iii Loan Amount Rs. 140,665 Privilege Program Club Fee Rs.1,124
Customer Address Vishnu Garden
Delhi Loan Amount Net Disbursed Rs. 135984 IHO Membership Fee NA

Date of Disbursal 26-Jul-13 Stamp Fee Rs.16

City Faridabad Tenure (in Months) 48 Group Life Insurance Premium Rs.988

State Haryana EMI Amount Rs. 4,539 Group General Insurance Premium Rs.643

PIN 110018 EMI Due Date 03rd of every month Mortgage Insurance Premium NA

Installment No. Installment Date EMI Amount (Rs.) Principal Component (Rs.) Interest Component (Rs.)
1 03-Sep-13 4,539 1,768 2,771
2 03-Oct-13 4,539 1,891 2,648
3 03-Nov-13 4,539 1,839 2,700
4 03-Dec-13 4,539 1,961 2,578
5 03-Jan-14 4,539 1,914 2,625
6 03-Feb-14 4,539 1,951 2,588
7 03-Mar-14 4,539 2,236 2,303
8 03-Apr-14 4,539 2,034 2,505
9 03-May-14 4,539 2,153 2,386
10 03-Jun-14 4,539 2,116 2,423
11 03-Jul-14 4,539 2,234 2,305
12 03-Aug-14 4,539 2,201 2,338
13 03-Sep-14 4,539 2,244 2,295
14 03-Oct-14 4,539 2,361 2,178
15 03-Nov-14 4,539 2,334 2,205
16 03-Dec-14 4,539 2,450 2,089
17 03-Jan-15 4,539 2,428 2,111
18 03-Feb-15 4,539 2,476 2,063
19 03-Mar-15 4,539 2,719 1,820
20 03-Apr-15 4,539 2,577 1,962
21 03-May-15 4,539 2,690 1,849
22 03-Jun-15 4,539 2,681 1,858
23 03-Jul-15 4,539 2,792 1,747
24 03-Aug-15 4,539 2,788 1,751
25 03-Sep-15 4,539 2,843 1,696
26 03-Oct-15 4,539 2,951 1,588
27 03-Nov-15 4,539 2,956 1,583
28 03-Dec-15 4,539 3,063 1,476
29 03-Jan-16 4,539 3,074 1,465
30 03-Feb-16 4,539 3,134 1,405
31 03-Mar-16 4,539 3,283 1,256
32 03-Apr-16 4,539 3,260 1,279
33 03-May-16 4,539 3,363 1,176
34 03-Jun-16 4,539 3,390 1,149
35 03-Jul-16 4,539 3,491 1,048
36 03-Aug-16 4,539 3,525 1,014

Page 3 of 12
 Installment No. Installment Date EMI Amount (Rs.) Principal Component (Rs.) Interest Component (Rs.)
37 03-Sep-16 4,539 3,594 945
38 03-Oct-16 4,539 3,693 846
39 03-Nov-16 4,539 3,737 802
40 03-Dec-16 4,539 3,834 705
41 03-Jan-17 4,539 3,885 654
42 03-Feb-17 4,539 3,961 578
43 03-Mar-17 4,539 4,087 452
44 03-Apr-17 4,539 4,119 420
45 03-May-17 4,539 4,211 328
46 03-Jun-17 4,539 4,283 256
47 03-Jul-17 4,539 4,372 167
48 03-Aug-17 4,516 4,429 87

Schedule of charges on our Loans:

Personal Loan Personal Loan Two Wheeler Commercial
Product Type Used Car Loans Mortgage Loan
Salaried Self Employed Loan Vehicle Loan
4% over & 4% over &
above the above the
Delayed EMI Payment Charges ( per month of delay, every month) Rs.250 Rs.250 Rs.250 Rs.250
applicable rate applicable rate
of interest of interest.
Collection of Cheque/Cash (per collection) Rs.300 Rs.300 Rs.300 Rs.300 Rs.300 Rs.300
Cheque /ECS dishonoured Charges ( per dishonour of cheque/ECS per
Rs.300 Rs.300 Rs.300 Rs.300 Rs.300 Rs.300
presentation)
Swap Charges- for replacement of Post-dated cheques/ECS ( per
Rs.500 Rs.500 Rs.500 Rs.500 Rs.500 Rs.500
instance)
Loan Cancellation charges(loan cancelled before first EMI) Rs.1000 Rs.1000 Rs.1000 Rs.1000 Rs.1500 Rs.1500
Document Retrieval Charges/copy of Property/Loan Agreement
NA NA NA NA Rs.750 NA
papers
Duplicate NOC/ NOC Revalidation NA NA Rs.250 Rs.250 NA Rs.250
Processing charges for refunds Rs. 100 Rs. 100 Rs. 100 Rs. 100 Rs. 100 Rs. 100
Loan Pre-payment Charges*
Personal Loan Personal Loan Two Wheeler Commercial
Product Type Used Car Loans Mortgage Loan
Salaried Self Employed Loan Vehicle Loan
Within 6 months from the Agreement Date Not Allowed
Within 7 months to 12 months from the Agreement Date 5% 5% 4% 4% Not Allowed 4%
Within 13 months to 24 months from the Agreement Date 4% 4% 3% 3% 4% 3%
After 24 months from the Agreement Date 4% 4% 3% 3% 3% 3%
* % of the Loan pre-payment charges mentioned above is % of the Principal Loan amount outstanding as on the date of pre-payment
All Charges mentioned above are exclusive of Service Tax and the borrower shall be liable to pay Service Tax as applicable. Fullerton India Credit Company Ltd ("FICCL")
reserves the right to revise the above charges from time to time and any change in the rates/charges etc. would be displayed on the company website and intimated under
"Loan Charges"
If you wish to obtain unbanked cheques/instruments issued by you to FICCL pertaining to your closed loan account with FICCL, at the end of the loan tenure or due to
foreclosure or due to repayment mode, you need to make a request for the same to FICCL Contact Centre within sixty days of closure of loan/change of repayment mode.
Charges for return of unbanked cheques/ instruments will entail a charge of Rs.250 per account as may be decided by FICCL from time to time. If no request for unbanked
cheques is received within the stipulated time, FICCL reserves the right to destroy unbanked cheques / instrument to prevent misuse of the same.
In the event of repeated dishonor of monthly payments, the ECS/ PDC instruction provided by you may be discontinued. You will be required to make timely payments in the
interim to safeguard your credit records and submit fresh ECS/ PDC instructions to resume automated monthly presentations.
The rate of interest shall be determined based on the cost of borrowed funds, matching tenor cost, market liquidity, refinance avenues, offerings by competition, tenure of
customer relationship, cost of disbursements( Cost of Fund) . In addition to the cost of fund, the rate of interest shall further be determined based on inherent credit and
default risk in the products and customer per se arising from customer segment, profile of the customers, professional qualification, stability in earning and employment and
repayment ability, overall customer yield, risk premium, nature and value of primary and collateral securities, past repayment track record of the customers, external ratings of
the customers , industry trends etc.
The company may adopt interest rate model whereby the rate of interest for same product and tenor availed during same period by different customers need not be
standardized. It could vary for different customers depending upon consideration of any or combination of above factors.
All payments made towards your Loan account via cheque/DD, to be made payable to ‘Fullerton India Credit Company Limited’
If the Insurance premium amount to be collected is in paisa, then the paisa portion shall be rounded off to the next higher rupee.
This statement is a computer generated statement and does not require a signature.

Page 4 of 12
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Membership No. : 13357412
Membership Level : BLUE

Dear Charanjeet Singh Kohli,

Membership No : 13357412
Membership Level : BLUE
Date of issue : 26-Jul-13
(Membership valid for 1 year from date of issue)

Charanjeet Singh Kohli

F-iii
Vishnu Garden
Delhi
Faridabad 110018
Haryana