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SUPPLEMENTARY HOUSING LOAN AGREEMENT MRR rate model

(To be franked with RslOO/- towards stamp duty charges)

This Supplementary Housing Loan Agreement made at this

day of20..., between

Mr./Mrs./Smt .:;_, S/o / D/o / W/o

(hereinafter called "the Borrower" which expression shall unless repugnant to the
context otherwise required, include his/her/their respective heirs/r. executors,

administrators and permitted assigns) of the one part; and AXIS Bank Limited, a Banking company incorporated under the Companies Act, 1956 and carrying on the banking business under the Banking Regulation Act ,1949 and having its Registered Office at Trishul', 3rd Floor, Opposite Samartheshwar Temple, - Law Garden, Ellis Bridge, Ahmedabad 380 006, Gujarat and a branch office among
"@: -other places.at - @ @@ @@ (hereinafter referred to as 'the Bank' which V</!^P r~-: "i @!ter.nrshafl=anless.rep~ugnant to the context otherwise required includes its successors

and assigns from time to time.):

, v.vrjsT rori@V @; r-,/@.. ~r-.(T:be Bor,irsvver.-ariSr;*rae iBank a*re hefeinaftercollectively referred to as "the Parties). _@ @>@Whereasdby and underthe Housing loan Agreement datedexecuted by and@@:" .between the ..Borrbwer(s) and the Bank (hereinafter referred to as "the Principal

Agreement), the Borrower(s) was/were (jointly) sanctioned a housing loan of Rs, by the Bank vide a sanction letter no.dated on the terms and conditions recorded therein. And whereas the Parties hereto agree, confirm and declare that the said agreement is valid, subsisting and binding on the Parties. Whereas one of the terms and conditions of the said Principal'Agreement was that
the interest on the housing loan will be applied at the rate of _____ per cent Margin

below Mortgage Refererence rate (MRR) rising and falling there at _monthly_ rest calculated on the daily balance of the loan amount. @ @-And whereas in pursuance of the said Principal Agreement, the Borrower(s) has/have
--. repaid to the-Bank a sum of Rs/- and as on the date and a sum of - - Rs, -... @@@.. --is^outstandinq due and. payable along with the interest :.' @ thereon,-calculated atthe rate of interest agreed between the parties recorded in the said Principal Agreement.i. .

Whereas with a view.to retain and encourage regular Borrower(s) by extending the
-@" benefit of reductionvof interest burden on the outstanding loan amount/the Bank at

the request of the Borrower(s) has agreed to amend the Interest clause as contained in the Principal Agreement and agreed to reduce the mark up ( Margin .) Therefore in consideration of the above and as per the covenants of the said Principal Agreement the Parties hereto have agreed to amend the Interest clause of interest as contained in the Principal Agreement as under: NOW THIS DEED WITHNESSETH AS UNDER: 1. On and from the date hereof or the date as may be fixed by the Bank as stipulated in its modified sanction, the interest on the amount of the loan will be applied at a reduced Margin of..(percent below of MRR), present (MRR) being .% p.a., rising and failing therewith at monthly rest calculated on the daily balance of the loan amount ( . Provided that the Bank shall at any time and from time to time be entitled to change the rate of interest depending on changes in MRR and such revised rate of interest shall always be construed as agreed to be paid by the Borrower(s) and hereby secured, Borrower(s) shall be deemed to have notice of change in the rate of @ @interest whenever the change in MRR is displayed /notified at/by the branch /published. In newspaper / made through entry of interest charged in the passbook /statement of accounts sent to the Borrower(s).
--@@"2. Without prejudice to the Banks other rights and remedies, the Bank shall be

entitled to charge at its own discretion enhanced rates of interest on the

" '"'T\ "~~ ' "'@@".'@':-@@@ "@@-'=@@?'':@.@ r;; outstanding in the loan accounts or a portion thereof or for any default or ; ,-@c- m t^c nni^i-n or "irregularity@rpri-i'my/our part which in ihe opinion of the Bank warrants''1 ~r inrc;-^c- rC~ 5l.rr, Denocharging Lof sucTvenhanced rates of interest for such period as the Bank may

; ' )--zz?yr~~t wm1 '".veto b^deern fit,'-TheyEquated Monthly Instalments will have to be paid till the entire zp?.;D. <-up.Y-er.. me ^noyx .. loan-arid the;:interest is felly repaid. Further, the amount of equated monthly f- -= 3stt5\ Drf -e^oeo ov me instalment may change/increase as may be decided by the Bank. -@@:--U:^:~.-~ . ,;.e "'@-'37'r'''=vIvi:hcc6]rdar\ce with and as a consequence of the modifications effected in the @- ;~" @ ;' charging" of "the rate of interest as stated above, the Equated Monthly

Instalments payable by the Borrower(s) as stipulated in the said Principal Agreement also shall stand modified and the repayment schedule stipulated in the said Principal Agreement also shall stand amended, modified, varied as shown in the schedule appended hereto. The schedule appended hereto shall deemed to have been replaced in the said Principal Agreement in place of the schedule contained therein. 4. In the event of the Borrower(s) committing default in the- payment of any
@ ' ' @-@@@-". instalment or interest as may be applicable, as stated above, he/she/they "@'@ '@-shall be liable to pay to the Bank, the arrears with penal interest and other 'costs/charges and expenses as more[ particularly recorded on the said Principal Agreement.' @ ' @ "@- -@@@-5-@"=-'-@-'-ft js "agreed that except for the modifications, amendments and variations as @'""@"@ '@"""":--' @'@@@"- -';:L':-"cdhtained;'hefein,' all the other terms, conditions.and stipulations as agreed in '-@ -'@: @' '- '-'@@'@@':'' ?;'- -the 'Principal Agreement shall apply mutatis-mutandis -and shall continue to be -" -@ - :: '@"@"applicable and shall be binding on the Bdjrower(s).

\_

6. It further agreed by and between the parties that this Supplemental Deed shall always be read in conjunction with and as part of the Principal
Agreement.

In witness where of the parties hereto have hereunder set and subscribed their respective hands the day and the year first here in above written. THE SCHEDULE HEREIN ABVOE REFERRED TO AsperSanctionletter MRR Margin Applicable Rateof
Interest AsperLoanaccount

OLDMRR% Oldmargin

CurrentMRR RevisedMargin NewROI

OldROI

Signed, sealed and Delivered by the within named the Borrower(s) in the presence of

Signed/Sealed and Delivered by the within Named AXIS Bank Limited in the presence of