DBS Mortgage Loans
 My Agreement
                                        Page 2 of 34
                                                                              V 10.0
        DBS Mortgage Loan Agreement
        Name of the Borrower  :
        Loan Account Number :
                                                                        INDEX
                                     Schedule I      -      DETAILS OF PARTIES
                                     Schedule II     -      (A) DESCRIPTION OF THE SECURITY BEING OFFERED
                                                         (B) PURPOSE FOR WHICH LOAN IS BEING / HAS BEEN GRANTED
                                     Schedule III    -   ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO NRIs AND PIO
                                     Schedule IV     -   ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO FLEXI
                                                         FACILITY
                                     Schedule V      -   CONDITIONS PRECEDENT AND CONDITIONS SUBSEQUENT
                                     Schedule VI     -   KEY FACT STATEMENT
                                     Schedule VII    -   ADDITIONAL TERMS APPLICABLE TO LOANS FOR PURCHASING
                                                         UNDER-CONSTRUCTION PROPERTY/INTEREST SERVICING LOANS
                                     Schedule VIII   -   ADDITIONAL TERMS AND CONDITIONS APPLICABLE TO 
                                                         LOAN AGAINST PROPERTY FACILITY
                                                          Page 3 of 34
                                                                                                                   V 10.0
                                                          LOAN AGREEMENT
         This Agreement (“Agreement”) is made at the place and on the date specified in Schedule I to this Agreement between:
         1.     DBS Bank India Limited, a company incorporated under the Companies Act, 2013 having it registered office at 
                GF: Nos 11 & 12 & FF Nos. 110 to 115 Capital Point, BKS Marg, Connaught Place, Delhi 110001 and its Corporate 
                address at first Floor, Express Towers, Nariman Point, Mumbai 400021. (as mentioned in Schedule I) (the “Lender”, 
                which expression, shall unless it be repugnant to the context or meaning thereof, mean and include its successors 
                and assigns);
                                                                     AND
         2.     The person(s) specified as the borrower(s) in Schedule I of this Agreement (the “Borrower”).
                The expression ‘Borrower’, unless it be repugnant to the context or meaning thereof, shall mean and include the 
                Borrower’s legal heirs, administrators and executors. In case of more than one ‘Borrower’ it shall mean and include 
                co-borrower, as mentioned in the Schedule I hereto.
         1.     DEFINITIONS AND INTERPRETATION
         1.1.   DEFINITIONS
                In this Agreement, unless there is anything in the subject or context inconsistent therewith, the capitalised terms 
                listed below shall have the following meanings:
         In this Agreement:
                “Agreement” means this agreement including Schedules written hereunder and any amendment hereto.
                “Applicable Law” shall mean and include all applicable statutes, enactments or acts of any legislative body in India, 
                laws, ordinances, rules, bye-laws, regulations, notifications, guidelines, policies, directions, directives and orders of 
                any governmental authority and any modifications or re-enactments thereof.
                “Application Form” shall mean the application in the form prescribed by the Lender, submitted by the Borrower to 
                the Lender for applying and availing of the Loan for the Purpose.
                “Availability Period” shall mean the period within which the Borrower shall be required to drawdown the Loan 
                Amount in full, as more particularly set out in Schedule I which may be varied by the Lender, in its sole discretion, in 
                writing.
                                                                  Page 4 of 34
                                                                                                                                   V 10.0