Fgh ‘Seamed nth ConSenneMEMORANDUM OF DEPOSIT OF TITLE DEEDS On the date mentioned in the Schedule hereunder, Wwe the Borrower(s) mentioned in the Schedule attended the office of ICICI Bank Limited ("ICICI Bank”) specified in the Schedule and delivered and deposited with the officer of ICICI Bank mentioned in the Schedule, the documents of title, evidences, deeds and writings described in Schedule (the “Title Deeds!) in respect of the immoveable properties (the “Immovable Property/ies”), described in the facility agreement ‘executed between me/us and ICICI Bank (the “Facility Agreement”): (details of which are captured in the Schedule). \we stated to the officer of ICICI] Bank that the Title Deeds were the only documents of title relating the Immovable Property/ies in my/our possession, power and that we have clear and marketable title to the same. We delivered and deposited the said Title Deeds with an intent to create security by way of mortgage by deposit of fitle deeds to secure due repayment and discharge of my/our obligations ra Bark with respect to the facility along with all fees, costs, charges, interest, expenses, and til other monies payable by me/us to ICICI Bank under the Facility Agreement. ‘Seamed nth ConSenne,‘The Parties agree as follows: . The Facility Agreement, Standard Terms, applicable Transaction Documents stand amended, modified to the extent and in the manner as specified herein below 1.1 All references to I-MCLR and the associated clauses’ hereby stands deleted. Henceforth, interest rate applicable on the Facility shall be linked to Repo Rate (2s defined hereinafter) as follows: The rate of interest for the Facility shall be sum of the Repo Rate *+ ‘Spread’ per annum, plus applicable statutory levy, if any ("Interest Rate”). For the first disbursement under the Facility, the applicable Repo Rate shall be the rate prevailing orie Business Day preceding the date ‘of the disbursement and for subsequent drawals, the Repo Rate prevailing for the Facility shall be applicable. As on date the Repo Rate is % and Spread is_%. *Repo Rate” or “Policy Repo Rate” means the rate of interest published by the Reserve Bank of India ("RBI") on the RBI website from time to time as Repo Rate or Policy Repo Rate. ‘The Repo Rate component of the Interest Rate will be reset on the first day of the third subsequent month from the month in which the Facility is first disbursed (irrespective of the date of disbursement) and evary three months thereafter, as a sum of Repo Rate + “Spread”, plus applicable statutory levy, if any. The applicable Repo Rate. shall be the rate prevailing one Business Day preceding the reset date. ** ** jjustration: For first disbursements made in the month of October 2019 under the facilities sanctioned by the Bank, the first.reset date will be January 1, 2020 and thereafter on April 1, 2020 and so on. The Bank reserves the right to modify the reset frequency and reset date from time to time in accordance with the extant RBI Guidelines. The Borrower further acknowledges that Interest Rate may change, upward or downwards, as the case may be, in line with change in the Repo Rate. ‘The Bank may revise the Spread once every three (3) years from the date of the first disbursement, in accordance with the extait RBI Guidelines. Notwithstanding anything contained herein, the Bank reserves the right to reset the Spread at any time upon substantial change’ in the Borrowers’ Credit assessment and/ or. on account of deterioration in the credit risk profile. Any change in ‘Spread’ would be communicated by the Bank through either: () Letter (i) E-Mail (li) SMS (iv) Statements of Accounts (v) Whatsapp or any other suitable rode. Applicant a ‘Co-Applicant » ‘Seamed ConScnneThe Borrower/s shall be deemed to have notice of changes in Rate when displayed on the notice board of the Branch or dis} Bank's website (www.icicibank.com) and the Borrower/s shell be tiable such revised rate of interest. 1.2 For the purpose of above clause, “substantial change in the’ credit assessment and/or deterioration in the credit risk Include without limitation, the following events: a. Significant decrease in credit score of the Borrower/s information company; b. Inclusion of the Borrower/s in RBI's willful defaulters list; __ c. Deterioration in credit behaviour of the Borrower/s with I any other bank or financial institution; d. Degradation of collateral security provided; e. Non-compliance with any applicable laws/regulations fading to degradation of collateral; f. any other reason/event in the:apinion of ICICI Benk. cor jor which may constitute, substantial change in the Borrower's credit and/or deterioration in the credit risk profile. . Notwithstanding anything to. the contrary contained in the Tr Documents, the Facility and the applicable interest rate shall be govet this Addendum. The Borrower/s hereby confirm that the Facility Agreement, Standar and all Transaction Documents stand modified to the extent of the terms mentioned hereinabove. All other terms and conditions Agreement, Standard Terms and Transaction Documents unchanged and in full force and effect. All capitalised terms not specifically defined: herein shall-have-the ‘ascribed to under the Standard Terms. “This Addendum shall be read in conjunction with the Transaction Dodi and be enforced as if the provisions of this Addendum were incor therein by way of addition. To the extent of any inconsisigney bet terms of this Addendum and the Transaction Documents, the pro ‘Addendum shail prevall. Zeka ‘Seamed nth ConSenneSCHEDULE |. Date of depo B ime of the Borrower(s) ‘Seamed nth ConSenne‘The Borrower/s agree to have receives, read, understood and consented to the above mentioned Standard Terma: Borrower/s [Signature of the Borrower ~ Nene: paanire Co-Berrower fe oy, [Name : [Stonature of Co-borrower /e Name : ‘Signature of Co-borrower /s [Name = ‘In case of partnership / HUF / Association of Persons : For and on behalf of ‘and each of the following members of the firm / HUF / Association of Persons, e a B 2 7 x a incase of Company / Society /Trust For and on behatf of z Name of authorized signatory ‘Name of authorized signatory ” Designation Date Date Pace Place of the suthority letters or resol tions, f eny, euthorizing the borrowing and / or execution of this Facility Agreement | tesued by if tamued by : . i ‘ ‘Seamed nth ConSenneThis amendment (“Amendment’) to the Most Important Information and Key Fact Sheet dated. ("Mil"), Facility Agreement dated. ("FA") and Standard Terms and Conditions dated (’T&Cs") has been exdcuted by the Applicants. ‘The Ml, FA, and TECs shall be collectively referred to as “Documents”. This Amendment shalll be effective from and shall be valid as if they are included in the respective Documents. 1 Amendment to Mil: The Applicant(s) hereby understand, acknowledge and agree that serial no. 1 of the ‘Note’ under “Other Charges (During the Term of the Loan)” of Ml shall stand substituted with the clause as provided herein below: “Goods and services tax & other govt. taxes, levies etc. applicable as per prevailing rate will be charged over and above these charges.” Amendment to FA: i i The Applicant(s) hereby understand, acknowledge and agree that the point (iv) under ‘Note’ of Schedule of FA shall stand substituted with the clause as provided herein below: 7 “Goods and Services tax and all other applicable taxes/statutory levies, if any, will be charged additionally.” ‘ Amendment to T&Cs: The Applicant(s) hereby understand, acknowledge and agree that serial no. 22 of the T&Cs shall stand substituted with the clause as provided herein below: “22.The Borrower/s shall bear goods and services {ax and all other taxes/levies applicable under law, 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 in connection with/on (a) the application for, and the grant and repayment of, the Facility, (b) the Borrower's Dues, the Application Form(s), and/or any Transaction Document, (c) recovery and realisation of the Borrower/s’ Dues, (d) the creation,, enforcement and realisation of the security (including taking possession of, and selling/transter of the Propertylies)), (2) repairing of the clearance of arrears of all taxes and any other charges and Government in respect of the Propertylies), (f) inspections, and (g) | Fropertylies). The Borrower/s shall pay all costs, charges, fees, way incurred by the Lender; the Borrower/s shall also pay duties, taxes, charges and penalties if and when the Borro ‘Seamed nth ConSenneaccording to the laws for the time being in force. In the event of the Borrower/s failing to pay the monies referred to above, the Lender shall be at liberty (but shall not be obliged) to pay the same.” \ ‘ pale: The Applicant(s) hereby agree: 1. The Documents stand modified to the extent specified herein above. © 2. Except for changes specified in this Amendment, all the other terms and conditions contained in the respective Documents shall remain unchanged and in full force and effect. 3. This Amendment shall be read in conjunction with the Documents and be enforced as if the provisions of this Amendment were incorporated therein by way of addition. To the extent of any inconsistency between the terms of this Amendment and the Documents (whether left intentionally blank or filled up), the Amendment shall prevail. 4. All capitalized terms and expressions used herein, but not specifically defined, shall have the same meaning as described in the respective Documents. In Witness whereof, the Applicant(s) have executed this Amendment as on the date and ‘year first above written. ‘Seamed nih ConSerne,From (Name ond address of the borrowers To, ‘The Branch Head OCI Bank Limited [Branch Address] With reference to the financial Aoomonaoecansnon ¥ ¥ wrt 4 ce/eredit facility Inthe-form of Mortgage Loatttiging grlusion the date cofifirm having herfof from ICI Bank Limited (“iC Bank’}' vide, facil ntedated we cling: aereeme' of understwod the concepts and tll ‘accounts as Special Mention Account (“SMA”) or Non Prefarming Asset ("NPA") In the cout accounts. examples (ag detailed. below) relatitig to due dates,) ‘the conduct of the LL Clasication as Special Mention Account and Non-PerforminaAsset- 7 2 in toan accounts, Inpgately con default, by Lending institution (Le ICICI! Bank) will recognize thé incipient stress classifying them as SMA. ‘The basis of classification of SMA category shall be as follows: [DANS IN THE NATURE OF TERMLDANS, TWA Sub-categorier Sass for classification ~ Principal or interest payment or any ‘whally or party overdue + [awe 30 days SMA ‘More than 30days and upto 60 days wag Mord then 60 devs and upte SOBRE, Loa Non-performing Asset- NPA Isa loan or an advance where interest and/or instalment of remains overdue fo period of more than 80 days in respectof a term Ioan of dues an: | | tlustrative movement of an account to SMA category tg. NPA category based on delay /+ | subsequent upgradation to standard category at day end process: - ‘Seamed nth ConSennehat this alton declertion shall forman Integra part ofthe 3 on letter and shall be read in conjunction with the ‘Seamed nth ConSenne