BAJAJ FINANCE LIMITED ("BFL") - Sanction Letter cum Loan

Term Sheet Deal ID - AR76594825

Date: 16/11/2023, 07:59:20 PM

Dear Mohd Abdullah Mohammad,

Sub: Sanction of Loan facility.

This is in reference to your loan request to purchase consumer durable and other value-added service, Bajaj Finance Ltd (“BFL”), has approved your loan request as
per the details provided below in Sanction cum Loan Term Sheet.

Please note that, if the loan proceeds are utilised by you for purchase of more than one product, the interest rate and other charges/ expenses also could vary for each
product/ service availed, owing to the variance in the purchase value of the product and the terms of interest subvention arrangement between BFL and
manufacturer/ dealer/ merchant.
Accordingly, for administrative & customer convenience purpose:
(a) The below sanction terms (Loan Term Sheet) discloses the complete details of the loan, separately for each product purchased by your goodself; and
(b) BFL shall facilitate opening of separate sub-loan account for each such product, so that, it would enable ease of understanding to the customer regarding the
specific EMI applicable against the respective product and separate Statement of Account for each Product(s)/services shall be accessible to the customer.
Please note , the timely repayment of loan as per the EMI due date is important and necessary to be adhered by you without exception else, the loan account shall be
flagged as overdue as per Regulatory Guidelines and the same is detailed below, for ease of your understanding:

REGULATORY REQUIREMENT ILLUSTRATION

Classification as Special Criteria for classification of Loan account, is based on

Mention Account (SMA) / Non-receipt of Principal or interest payment or any other Date of payment of Loan Dues (January 07, 2022) & its
Non-Performing Asset amount wholly or partly overdue (shortly referred below as classification upon non-payment
(NPA) “Loan Dues”)

SMA-0 Non-receipt of Loan Dues till 30 days from the Due Date SMA-0: Upto February 05, 2022

Non-receipt of Loan Dues for more than 30 days and upto SMA-1: On February 06, 2022, it shall be classified as
SMA-1 60 days from the Due Date SMA-1 if complete loan dues are not paid to BFL

Non-receipt of Loan Dues for more than 60 days and upto SMA-2: On March 08. 2022, it shall be classified as SMA-2
SMA-2 90 days from the Due Date if complete loan dues are not paid to BFL

Non-receipt of Loan Dues as of 91st day from the Due Date NPA: On April 07, 2022, it shall be classified as NPA if
NPA complete loan dues are not paid to BFL

The above has been duly explained to your goodself. In case of any change/amendment to the above, the same shall be intimated separately.

Please acknowledge the same.

Thanking You,
Bajaj Finance Ltd

: S/o mohd mumtaj ahmad

Vill bhatwaliya
Customer Name : Mohd Abdullah Mohammad Customer Address Dist gopalganj
GOPALGANJ

Customer Mobile No. : 9241165296 Customer Email ID :

Customer Gender : Male

Dealer/ Merchant/ Manufacturer : SAHANA MOBILE Dealer/ Merchant/ Manufacture : 60027058

Name ZONE#GOPALGANJ#DR38932#RDP Code
 SECTION 1

Loan Term Sheet and Fee for ONE PLUS NORD CE 2 LITE 5G (6+128GB) BLACK DUSK - ONEPLUS PHONE Rs21999 (Product 1)

Customer ID (in case of existing customer) : 172821957

Transaction Details :

RRN :

Opportunity ID : BR92008219

Auth Code :

EMI Network Card Number (if already availed) :

Purpose of Loan : Purchase of Consumer Durable Product

Product(s)/Services(s) availed on loan from BFL ("Product") : RDP

Product Price : 17500

Sanctioned Loan Amount for availing Product : 17500

Product Loan Net Tenure (Months) :6

Product Loan Gross Tenure (Months) :8

Annualized Rate of Interest for Loan: (in % p.a.)

ROI/Upfront Interest payable by Customer(% p.a.): : NA

: BFL’s Internal Rate of Return (IRR) shall be upto 42 % on an annualized basis

considering the following:
ROI being paid by Dealer/Manufacture upfront (% p.a.) a.Interest subsidy/payout % (full or in part) received from the
Manufacturer/Dealer/insurance partner directly to BFL; and
b.ROI/ Upfront interest amount payable by Customer.

EMI Details

EMI Amount for Product Loan : 2188.00

EMI for HLGS Loan : 166.5

EMI for Loan : 0.00

EMI for Loan : 0.00

Total EMI Amount : 2354.5

:02/01/2024
EMI Start Date This EMI Date may vary and actual date will be communicated through SMS
and welcome letter, once the loan is booked.
 Total EMI Amount Fees and charges to be collected along with 1st EMI

Convenience Fee (Inclusive of applicable taxes): : 117.00

CIBIL Transunion Report Fee (Inclusive of applicable taxes) : 46/-

Loan Enhancement Fee (Inclusive of applicable taxes) : 0.00

Transaction Fee (Inclusive of applicable taxes) : 0.00

Down Payment To be Made

Processing Fee(Inclusive of applicable taxes) : 117.00

EMI Network Card Fees(Inclusive of applicable taxes) : 530

Health EMI Network Card Fees(Inclusive of applicable taxes) : 0.00 + 0.00

Add on EMI Network card fee(Inclusive of applicable taxes) :0

Mandate Registration Fee(Inclusive of applicable taxes) : 0.00

Advance EMIs to be paid upfront :2

Credit Suraksha Fees (Inclusive of applicable taxes) : 117.00

Upfront Interest payable by Customer : 282.00

Total : 5423.00

All charges are of Inclusive of applicable taxes, unless specially mentioned otherwise.

Details of Down Payment Made

Amount paid by Dealer Reward Points Redemption(P) : 0.00

Amount paid by BFL Reward Points Redemption(Q) : 0.00

Amount paid by DBS Bank Points Reward Redemption (R) :0

Amount paid by RBL Bank Points Reward Redemption(S) : 0.00

Amount paid by Bajaj Coins Redemption (T) : 0.00

Amount paid through any other mode(T) :0

Total (P+Q+R+S+T) :0

Banking Details

NACH Mandate (ECS) :

Account Number : 35615820631

 Bank Name : STATE BANK OF INDIA

MICR Code : 841002607

IFSC Code : SBIN0006685

SECTION 2

FEES, CHARGES AND INTEREST LEVIED BY BFL

Processing Fees Mandate Rejection Charges

Upto Rs. 1017

(Inclusive of applicable taxes) collected upfront
Rs. 450/-
Upfront Interest
per month from the first instalment due date for mandates rejected by customers
bank until the new mandate is registered
The amount of interest to be paid by Customer upfront in the form of down
payment or paid along with first EMI, as the case may be and more particularly Transaction Fee
mentioned in Section 1 above.

Convenience Fees

Rs. 147/-
Rs. 117/- (Inclusive of applicable taxes)will be collected along with 01st instalment.
(Inclusive of applicable taxes) will be collected along with 01st instalment. ** "Transaction fees" refers to sum payable by customer (i) who does not hold
valid EMI card; (ii) to whom the loan is facilitated; and (iii) at the time of
Loan Enhancement Fees making payment of first EMI/upfront payment as part of loan transaction.

Credit Suraksha Fees

Rs. 117/-
Rs. 117/-
(Inclusive of applicable taxes) levied on certain set of Customers who are
(Inclusive of applicable taxes) for temporary increase in EMI card limit for the facilitated with loan for purchasing mobile devices and where Bajaj Finserv
loan transaction. Same will be charged only for increase in limit in excess of Rs. Credit Suraksha application is installed on such mobile devices which will
999/- to be collected along with 01st instalment. enable BFL to put restrictions on usage of device in the event of default by
Customer

CIBIL Transunion Report Fees (If Availed)

EMI Network Card Fee (If Availed)

Rs. 46/- Rs. 530/-

(Inclusive of applicable taxes) will be collected along with 01st instalment. (Inclusive of applicable taxes)

Pre-payment Charges Add-on EMI Network Card Fee (If Availed)

Full Pre-payment: NIL

Rs. 199/-
Part Pre-payment: NIL
(Inclusive of applicable taxes)
Penal Interest
EMI Network card Annual fee

Rs. 117/-
Any delay in payment of Monthly instalment shall attract penal interest at
the rate of (Inclusive of applicable taxes) for each card availed Annual fee will only be
charged to the respective Card holders who have not availed any loan using such
3.5% Card in the preceding year. The duration of the preceding year is calculated 12
months from last year’s validity month, which is printed on the face of your
respective Card. For example, If the Card is issued in the month of February
2019 (referred to as ‘Member Since’, on the Card) the date for payment of the
annual fee will be March, 2020.
per month on the Monthly Instalment outstanding, from the respective due
date until the date of receipt. Health EMI Network Card Fee

Mandate Registration Charges (If Applicable)

Rs. 118/-
(Inclusive of applicable taxes) Please visit
Rs. 999/-
https://www.bajajfinserv.in/all-fees-and-charges for list of bank on which (Inclusive of applicable taxes)
mandate registration charges will be applicable.
Note : Not Applicable on successful E-mandate registration. Bounce Charges
In case of UPI Mandate registration, 1/- (Inclusive of applicable taxes) will be
collected from the Customer
In case of default of repayment instrument Rs. 500/-per bounce will be levied

“Additional cess/ taxes, if any, will be applicable on all charges as per the respective State Laws as may be applicable from time to time.”
The aforementioned charges/fees may be modified by Bajaj Finance Limited from time to time upon prior intimation via Acceptable Modes of Communication
from Bajaj Finance Limited in this regard.

Loan Amortization/Repayment Schedule

Detailed loan repayment schedule covering EMI dates with bifurcation of principal and interest component will form part of the Welcome Letter, post creation
of loan account. The same also can also be accessed in Customer Portal-'Experia' (https://customer-login.bajajfinserv.in)

Most Important Terms and conditions of Loan (MITC)

I hereby agree, acknowledge and agree as under:

1. The Loan is availed for buying products/value added services/extended warranty/insurance or for any other general purpose, except for any speculative
activities (“Product(s)”). The loan amount will be disbursed to company/entity who is providing the products/services for which the loan is being
availed.
2. The loan availed shall be governed by Master Terms and Conditions, prescribed by BFL and available on website: Master Terms & Conditions .
3. I authorize BFL to procure/avail my CIBIL report by recovering the charges specified in the aforesaid table.
4. All the particulars, information and details provided by me for availing the loan are true, correct and up to date in all respect and I shall keep BFL
immediately updated of any change in the information provided.
5. I authorizes BFL to use my existing KYC details and acknowledge that in case of any changes in my registered KYC details, I shall updated such
change to BFL.
6. I shall repay the loan through Equated Monthly Instalments (“EMI”) payable on or before the due date, till discharge of the entire loan amount with
interest & charges as specifically detailed above. The latest fees and changes can also be accessed through
https://www.bajajfinserv.in/all-fees-and-charges. The fees, charges, Terms and Conditions are subject to change at sole discretion of BFL. Such
changes shall be applicable prospectively and will be communicated through Acceptable Means of Communication.
7. If EMI due date falls on a day which is not a Business Day, the EMI will be presented on the immediate next Business Day.
8. The interest subsidy paid by the manufacturer/dealer/third party service provider, is not refundable. In case the tenor of said loan is extended solely at
my request and/or for any other reason whatsoever, I shall pay the interest at the rate of 24% per annum on the revised EMI due and payable by me, as
may be communicated by BFL.
9. Interest rate applicable for consumer durable Loans may vary basis BFL’s internal credit and risk policy and as per an algorithmic multivariate score
card which includes following variables (the variable list mentioned below is not exhaustive):
(i) Interest rate risk (fixed vs floating loan), Credit and default risk in the related business segment (iii) Historical performance of similar homogeneous
clients (iv) Profile of the borrower (v) Industry segment, (vi) Repayment track record of the borrower, (vii), Nature and value of collateral security,
(viii) Secured Vs unsecured loan, (ix) Subvention available, (x) Ticket size of loan, (xi) Bureau Score, (xii), Tenure of Loan, (xiii) Location
delinquency and collection performance and (xiv) Customer Indebtedness (other existing loans)
The aforesaid variables may be revised from time to time.
10. In case of cancelation and surrender of insurance policy/value added services/extended warranty and/or on death of the customer, BFL shall have the
right to appropriate insurance claim paid thereunder or pursuant to cancellation or the surrender value of the insurance policy/value added
services/extended warranty towards the Outstanding dues of any loan(s) availed from BFL. If there is any surplus leftover, same will be paid to me. If
there is any deficit, then I shall be liable to pay entire deficit forthwith.
11. The NACH/mandate given by me in favour of BFL can be used to recover all Outstanding due including fees, penalties, cost & other applicable
charges in connection with any Loan availed by me. I shall forthwith issue fresh Cheque or NACH/ mandate in favour of BFL, if there is any revision
in my repayment schedule/ EMI.
12. This single Loan Term Sheet would apply for different Product(s)/services availed by me on a single day by making a clear mention about the varying
details of loan vis-vis each Product(s)/services availed by me. Since the loan amount, interest rate and other charges/expenses could vary for each
product/service availed by me, as also, it would be convenient for me to easily identify the applicable EMI for each product/service availed, separate
loan account numbers and separate Statement of Account for each Product(s)/services will be issued by BFL for administrative convenience. I
understand the same can be conveniently accessed by me on the dedicated experia portal and/or through any mobile/web-based application of BFL.
13. In the event of default on any one of the loan(s) detailed in this Loan Term Sheet, BFL reserves the right to recall the other loan(s).
14. The EMI of the loan availed can be clubbed with EMI of other loans availed by me from BFL or the same can be debited separately from my bank
account.
15. In case of dishonor of Cheque or NACH/mandate or Electronic Payment Instructions provided, I shall be liable to pay to BFL the bounce charges
("Bounce Charges") as mentioned above, for each dishonour event occurrence.
16. In the event of any default in repayment of the Outstanding due, I shall be liable to pay penal interest ("Penal Interest") at the rate/or amount as stated
above, from the date of default till the date of realization by BFL without prejudice to any other rights of BFL under these terms and condition.
17. BFL shall be authorized (a) to disclose, exchange, share, obtain or part with all information from time to time relating to loan to credit bureaus/credit
reference agencies, its group companies, financial institutions, Credit Information Companies (CIC), Central KYC Registry (CERSAI) or any
authorized third-party agency as BFL may deem necessary or appropriate for use or processing of the said information and shall not hold BFL or any of
its group companies or its/ their agents/representatives) liable for use/sharing of the information as stated above, (b) to seek/obtain any other
information, relating to me, from any third party, and (c) share all information to any Regulator, Court, Law enforcement agency, Quasi-Judicial
authority etc, on a need to need basis.
18.
 18. I understand and acknowledge that, upon availing moratorium from BFL (in accordance with prevailing RBI directions/guidelines), the benefits of third
party products availed by me, shall cease to be of effect, until the loan dues pertaining to the moratorium period are paid by me to BFL.
19. I hereby expressly consent for taking my photo/video evidencing the conduct of loan transaction by me and that such photo/video is unconditionally
agreed to be stored and preserved during the tenure of the loan and for a period of at least five (5) years or otherwise from the date of closure of the
loan and/or as the law/regulations may so mandate, whichever is higher.

20. Customer Consent specific for Device Financing -

1.In consideration of the Loan availed by the Customer from Bajaj Finance Ltd (BFL) for purchase of mobile handset (“Device”), I hereby acknowledge that -
a.The Device is installed with a mobile Application viz. “Bajaj Finserv Credit Suraksha” to receive/display periodic notifications (in the form of
wallpaper/banner on the Device screen) reminding for payment of Customer’s overdue amount including all outstanding charges. This is in addition to the
normal reminders from our Debt Management team.
b.If payment is not made by Customer on or before the due date, the Device functionality shall be disabled partially till payment of overdue amount with
advance notice of 48 hours. The Device functionality will be restored, within 24 hours upon receipt of overdue payment.
c.The actions detailed in the above points will follow the below staircase in a sequential manner by providing adequate communications to Customer –
(i)Communication for Wallpaper Change(ii)Wallpaper Change; The said wallpaper cannot be changed by the Customer(iii)Communication for blocking of
Applications.(iV)Communication for blocking of Applications; Reminder 2.(V)Communication for blocking of Applications; Reminder 3. (Vi)Application
Usage Restriction; selected apps as detailed in Annexure I will be restricted for use by the Customer(Vii)Communication for Device Usage
Restriction(Viii)Device Usage Restriction; the Customer's device will be restricted for all general usage
d.Customer shall be able to make emergency calls [Police (100), Fire Services (101) & Ambulance (102)].
2.In addition to the above, from the time of the installation of the application till the time total loan outstanding dues are completely repaid and loan account is
closed, the customer’s device will have a static watermark on the screensaver and notifications tray stating, “This Device belongs to Customer & is financed by
Bajaj Finance Ltd”. The customer will have the following restrictions for device usage
a.In case the Customer completes a factory reset of the device using the software and / or hardware methods –
(i)The device will go into a reset loop and automatically reset every 2 (two) hours.(ii)All the data will automatically be wiped from the device after the reset is
completed(iii)The said issue will continue till such time as the customer does not re-install the application with the help of the BFL Executive at Dealer Store
and / or BFL Branch.
b.Customer will not be able to install any third-party application that is not downloaded from the Google Play Store
c.Customer will not be able to use any application downloaded from the Google Play Store that requires Administrator Access such as applications that create
work profiles for official use (example – Company Portal).
d.Customer will not be able to use any application that is used for cloning of applications available on device
e.Customer will not be able to use or transfer data using Data Cables or OTG devices.
f.Customer will not be able to change the Date Time format from the device
3.On repayment of total outstanding dues and closure of the loan, the watermark as detailed above will be removed and the “Bajaj Finserv Credit Suraksha”
application can be deleted by the Customer from the device
4.For any support, Customer may reach out to us via the BFL Executive at Dealer Store and / or the BFL Branch, the Bajaj Finserv App
(https://c2gx.app.link/RaiseARequest), Email ID (wecare@bajajfinserv.in) and / or Call on Customer Care Number (08698010101).

SECTION 3

EMI NETWORK CARD &HEALTH EMI NETWORK CARD

I) CUSTOMER'S REPRESENTATIONS:

(1)I have applied for Bajaj Finserv Existing Member Identification Number ("EMI Network Card/Insta EMI Card") and/or Health Existing Member
Identification Number ("Health EMI Network Card"), from Bajaj Finance Limited ("BFL").

(2) I hereby unconditionally acknowledge and accept that:

1. All particulars, information and details provided by me in relation to my application are true, correct and up to date and I am obligated to keep BFL
immediately updated of any change in the information provided by me.
2. I shall submit all documents/KYC in such form and manner as may be required by BFL in relation to my application. If I am an existing customer, I
authorise BFL to use my existing KYC details/documents and NACH/mandate for processing the EMI Network Card and/or Health EMI Network
Card, request.
3. I have read and understood the Master Terms and Conditions applicable to Loans for Consumer Durable, Digital, Life style products & EMI Cards
(Master Terms) prescribed by BFL and available on website: https://www.bajajfinserv.in/master-terms-and-conditions.pdf and understand the
applicability of the same for issuance and usage of EMI Network Card and/or Health EMI Network Card and hereby agree to be bound by the same at
all times including any additions/amendments thereto from time to time.
4. I shall make payment of applicable fee and/or charges as specified by BFL with respect to EMI Network Card and/or Health EMI Network Card, as
detailed above, which can also be accessed through BFL Website https://www.bajajfinserv.in/all-fees-and-charges The said fees and/or charges are
subject to changes and are non-refundable and non-transferable.
5. BFL has sole and absolute discretion, without assigning any reasons to accept or reject this application.

(3)I authorize BFL to share certain information related to EMI Network Card and/or Health EMI Network Card, which may include my KYC and
transaction details with its business associates, sourcing partners, and/or technology partners (subject to confidentiality restrictions) for integrating the
EMI Network Card and/or Health EMI Network Card usage on such business associates website/ wallet etc. as may be required for facilitating my use of
EMI Network Card/Health EMI Network Card.

II.COMMON TERMS FOR EMI NETWORK CARD AND/OR HEALTH EMI NETWORK CARD

(1) The EMI Network Card and/or Health EMI Network Card is/are an EMI Network number(s) used for authentication and is/are neither credit card(s) nor
stored value card(s)

(2)For each valid transaction initiated and approved by the BFL on the EMI Network Card and /or Health EMI Network Card, a new Loan account will be
created by BFL. BFL may at its sole discretion reject such transaction initiated through the EMI Network Card and/or Health EMI Network Card. Further BFL
may require additional documentations from the Customer for approving the said loan transaction(s)..
(3) BFL may, at any time, in its sole and absolute discretion and without assigning any reason, decide to withdraw the EMI Network Card and/or Health EMI
Network Card service and/ or terminate any specific EMI Network Card and/or Health EMI Network Card or reduce/cancel/ block/ unblock the loan limit
assigned.

(4)To avail loan on EMI Network Card/Health EMI Network Card the cardholder will need to follow the below mentioned procedure:

1. Share the Card number or registered mobile number, at Merchant Counter or BFL’s branches or online platform
2. Enter Transaction Code or One Time Password (OTP) received on your registered mobile number and/or the registered email id

(5) BFL Customer Care Contact details:

1. For any grievances/queries, Customers can write to BFL at wecare@bajajfinserv.in

2. EMI Network Card and/or Health EMI Network Card may also call BFL Customer Care for any grievances/queries related to the respective EMI
Network Card and/or Health EMI Network Card at 8698010101. This is not a toll-free number and normal call charges will be applicable

III. SPECIFIC TERMS AND CONDITIONS FOR EMI NETWORK CARD:

(1)By using EMI Network Card, the customer may avail loan for the consumer durable products that may be approved by BFL from time to time

(2)Annual Fee as detailed above shall be charged in the event loan is not availed using the EMI Network Card in the preceding year.

(3)Loan Enhancement Fee will be applicable, in case where BFL allows to approve the Loan transaction amount over and above EMI Network Card loan limit,
as per its internal risk/credit policies and at its sole discretion. It is hereby clarified that payment of such fee would not enhance overall EMI Network Card loan
limit

IV. SPECIFIC TERMS AND CONDITIONS FOR HEALTH EMI NETWORK CARD:

(1)Health EMI Network Card can be used only at limited Life Care Counters (LCF) including Multi Specialty Hospitals (MSH), Non-MSH and diagnostic
centres and such other counters as may be decided by BFL at its sole discretion (Selected Business Associates). Updated list of Selected Business Associates and
treatments eligible for loan can be accessed through https://www.bajajfinserv.in/emi-network-multispeciality. Health EMI Network Card cannot be used for
purchase on e-Commerce platforms and for other consumer durable products

(2) The Personal Guard Individual Accident Policy upto an amount of Rs.1,00,000 will be issued by M/s. Bajaj Allianz General Insurance Company (BAGIC)
which will be valid for a period of one year from the date of issuance of the Health EMI Network Card. The Terms and Condition as may be prescribed by
BAGIC shall be applicable to the said Personal Accident Insurance Policy, which are listed on BAGIC website. Any claims pertaining to the said Personal
Guard Individual Accident Policy issued by BAGIC shall be directly taken up with BAGIC

(3) In the event of termination of Health EMI Network Card withdrawal of Health EMI Network Card services, the Personal Guard Individual Accident Policy
or any other facility provided with Health EMI Network Card services shall be immediately terminated

(4) The Selected Business Associates may run different offers for Health EMI Network Card Customers. Such offers shall be subject to specific terms and
conditions of such offers, which shall be in addition to the terms and conditions mentioned in this Application Form

EMI Network card applicant

EMI Network card fee () (Inclusive of applicable taxes) : 530

Name to be Displayed : Mohd Abdullah Mohammad

Date of Birth : 1/7/1996

Email ID :

Mobile Number : 9241165296

Health EMI Network Card Applicant

Health EMI Network Card fee () (Inclusive of applicable taxes) : 0.00 + 0.00

Name to be Displayed : Mohd Abdullah Mohammad

Date of Birth : 1/7/1996

Email ID :

Mobile Number : 9241165296

Nominee Details for Personal Accidental Policy(For Health EMI Network

Card)
Card)

Nominee Name : Mohd mumtaj ahmad

Nominee Relationship : Father

Nominee DOB : 1/1/1970

Guardian Name (In case Nominee is Minor) : Mohd Abdullah Mohammad

HDFC LIFE GROUP SURAKSHA

Name : Mohd Abdullah Mohammad

Mobile Number : 9241165296

Email ID :

Date of Birth : 07/01/1996

Sum Assured : 80000.00

Premium (Inclusive of applicable taxes) :999.00

Tenure(In Year(s)) :1

Sum Assured Type : Level

Premium Payment Option : Annual

Cover Type : Single Life

Extra Life Benefit* : Yes

Nominee Name : Mohd mumtaj ahmad

Nominee Relationship : Father

Nominee DOB : 01/01/1970

Nominee Phone : 9648380969

: BFL will earn commission from Service provider for the VAS availed by you
Annualized Rate of Interest for Loan: % (pa) which enables BFL to offer interest free loan to you.

: As mentioned in Section 2 (FEES, CHARGES & INTEREST LEVIED BY

Fees and Charges Applicable to Loan BFL)

Loan Amortization/Repayment Schedule

Detailed loan repayment schedule covering EMI dates with bifurcation of principal and interest component will form part of the Welcome Letter, post creation
of loan account. The same also can also be accessed in Customer Portal-'Experia' (https://customer-login.bajajfinserv.in)

Authorization:

I hereby declare that I have received/applied a loan from M/s Bajaj Finance Limited (“Master Policyholder”). In order to secure the said loan, I have taken the
above referenced policy from HDFC LIFE Insurance Co. In consideration of receiving the said loan I hereby authorize HDFC LIFE Insurance Co to make
payment of Outstanding Loan Balance amount to Master Policyholder by deducting from the claim proceeds payable on happening of the contingent event
covered by the Group Insurance Scheme/ Policy referenced above.
* ADB rider Sum Assured will be equal to base life Sum Assured, subject to overall Sum Assured not exceeding Rs. 2 Lacs.

# Conditions Apply. Please refer to the 'Insurance Disclaimer and Customer Declaration' section below before concluding a Sale.

Product Name: HDFC Life Group Suraksha (Micro-Insurance Product) | UIN: 101N135V02

Declaration of Good Health

I am in sound state of health / I have never undergone, or expect to undergo any surgical procedure for any illness, ailment, disease or disability / I have never
suffered from, or not suffering from any disease/ailment requiring any form of medication for more than 7 consecutive days, nor been absent from work for
more than 7 days / I do not engage or intend to engage in any business, sport or occupation of a hazardous nature and I do not have any history of conviction
under any criminal proceedings in India or abroad / My any proposal for insurance, or revival of policy on my life to this company or any other insurance
company never been postponed/declined/accepted on terms other than proposed / For Female Lives only - I am not pregnant / I have never suffered from any
disease of the breast, uterus, cervix, ovaries or any other part of the reproductive system.

Yes No

Date : 16/11/2023 ________________

Place : GOPALGANJ Applicant Signature

Insurance Disclaimer & Customer Declaration

Customer/Proposer/Life Assured's Declaration

1. I/We provide my/our consent voluntarily for enrolling as a member of group insurance offered to me by the above insurer under the master policy of
Bajaj Finance Limited.
2. I/We understand, agree and confirm that these statements and this declaration are basis of the contract between the insurer and the policyholder.
Subject to Section 45 of the Insurance Act 1938 as amended from time to time, if any untrue statements are contained herein or there has been any
non-disclosure of any material fact, the policy to be issued by the insurer in the name of the policyholder may be treated as void as far as I/We am/are
concerned.
3. I/We confirm that I/We have read and understood, the rules and any additional rules of the plan, the standard policy provisions and any additional
provisions that govern the policy to be issued by insurer in the name of the policyholder and on my/our life, and I/We agree and confirm that the same
shall be binding on me/us. I/We authorize the policyholder to disclose to the insurer such particulars as they may require including the details given
above and any changes to the same, pay the premium payable on my/our behalf /collected from me/us to the insurer. I/We understand that any statutory
levy or charges including any indirect tax may be charged to me/us either now or in future by the insurer and I/We agree to pay the same
4. I/We further agree that if after the date of submission of the proposal but before the issuance of Policy
5. there is an adverse change in my/our occupation, financial condition, health condition, which will affect the decision of the Insurer in underwriting risk
or
6. if the proposal for assurance or an application for revival of the policy made to any insurer on my/our life or the Life to be assured is withdrawn or
dropped, deferred, declined or accepted on terms other than as proposed, I/We shall forthwith intimate the same to the insurer in writing and failure to
do so shall lead to a decision as per the applicable terms and conditions of the policy.
7. I/We understand that insurer has the right to reject a proposal without giving reasons thereto and confirm to give an undertaking that I/We shall not
raise any claims thereof. I/We understand the significance of the contract and that the contract will be governed by the provisions of the Insurance Act
1938 as amended from time to time and that the same will not commence until written acceptance of this application issued by the insurer on its normal
terms and conditions is received.
8. I/We hereby declare that the content of the form and document has been fully explained and given by me/us and I/We have fully understood the
significance of the proposed contract
9. I hereby declare that the above statements and/or particulars given by me are true and complete in all respects to the best of my knowledge
10. I understand that the information provided by me will form the basis of insurance policy, is subject to Board approved underwriting policy of the
insurance company and that the policy will come into force only after full receipt of premium chargeable.
11. I further declare that I will notify in writing any change occurring in the occupation or general health after the proposal has been submitted but before
communication of the risk acceptance by the Company
12. I declare and further consent to the Company seeking medical information from any doctor or hospital who/which at any time has attended me or from
any past or present employer concerning anything which affects my physical or mental health and seeking information from any insurer to whom an
application for insurance has been made for the purpose of underwriting the proposal and/or claim settlement.
13. I authorize the Company to share information pertaining to my proposal including the medical records for the sole purpose of underwriting the proposal
and/or claim settlement and with any Governmental and/or Regulatory Authority
14. I hereby provide my consent and authorize the Company to make welcome calls, service calls or any other commercial communication (electronic or
otherwise and/or including but not limited to SMS/WhatsApp) with respect to the proposed or existing policy of Company from time to time. I also
authorize sending any communication for the purposes of marketing and offering of various products and services of the Company through agent(s)
and/or any third party(ies) or any of the product(s) of its affiliates, co-brand partners etc. The said consent will over-ride any registration on DND
registry.
15. I agree that this declaration shall be the basis of the decision by insurer to cover or not cover me under insurance.
16. I hereby authorize BFL to verify/ check/ obtain/ download/ my KYC details available with CERSAI/ UIDAI/ CKYC registry. I agree that the
details/documents provided by me may be shared by BFL with the insurer(s) and may be downloaded/verified by insurer(s) for processing of this
application. In the event if I am found to be existing customer of BFL, I confirm that there is no change in my existing KYC details and authorize BFL
to use my existing KYC for this application.

Cancellation/ Termination
 Once the Insured ceases to be a member or the policy is cancelled by the Master policyholder or the insurer for any reason whatsoever, the cover will
automatically stand cancelled. However, the Insured under this policy can port to a similar approved retail health policy available with the company as per
'Portability Guidelines', subject to the Company's medical underwriting criteria.

Caution

You are obliged to make a full and frank disclosure of all material facts. If there is any change in the information given by you over the call or new information
comes to light which affects your insurability, then you must inform us of the same in writing without any delay.

Authorization

I do hereby authorize and instruct the insurer# to refund, the premium (in full or prorated as the case may be) in terms of the master policyholder, in event of
cancellation/withdrawal of the insurance cover to me/us under the group policy to the master policy holder. In event the insurer refunds the premium amount as
per instructions above, it shall be considered full and complete discharge of any liability by the insurer towards me and I shall not have any objection for such
refund subsequent to payment as per above instructions.

Statutory Warning (Prohibition of Rebates) - Section 41 of Insurance Act 1938

1. No person shall allow or offer to allow, either directly or indirectly, as an inducement to any person to take out or renew or continue an insurance in
respect of any kind of risk relating to lives or property in India, any rebate of the whole or part of the commission payable or any rebate of the premium
shown on the policy, nor shall any person taking out or renewing or continuing a policy accept any rebate, except such rebate as maybe allowed in
accordance with the published prospectus or tables of the insurer.
2. Any person making any default in complying with the provisions of this section shall be punishable with fine which may extend to Ten Lakh Rupees.

Fraud, misrepresentation and forfeiture: Fraud, misrepresentation and forfeiture would be dealt with in accordance with provisions of Section 41 of the Insurance
Act 1938 as amended from time to time.

Disclaimer - Conditions apply -These products are offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The
insurance coverage is provided by our partner Insurance Company , Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration
Number CA0101. BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. Please refer insurer's
website for Policy Wordings. Purchase of these product are purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any
third party products.

I hereby consent and authorize Bajaj Finance Limited to share this application and all information and details as provided by me under this application with
insurer for the purpose of customer verification and claim settlement and I shall not hold Bajaj Finance Limited liable for the use/sharing of my
application/information as stated above.

Date : 16/11/2023 ________________

Place : GOPALGANJ Applicant Signature

Selected preferred language

:
HINDI
I hereby confirm and accept the (Loan Term Sheet), Fees, Charges & Interest and MITC forONE PLUS NORD CE 2 LITE 5G
(6+128GB) BLACK DUSK - ONEPLUS PHONE Rs21999

I hereby apply to Bajaj Finance Limited for the EMI Network Card as mentioned under the EMI Network card terms and conditions
section as stated in this Application Form
 I hereby apply to Bajaj Finance Limited for the Health EMI Network Card as mentioned under the EMI Network card terms and
conditions section as stated in this Application Form

I hereby confirm that I have read the entire text, features, disclosures, exclusions, etc and voluntarily applying for HLGS

I hereby expressly authorise BFL, its group companies, affiliates and/or business associates and their respective representatives to
send me promotional communications regarding loans, insurance and their respective products and/or services through telephone
calls/SMSs/emails/post/bots/bitly, etc. I understand that I can at any time opt not to receive any telecommunication

By checking with tick mark in the box, I, hereby, signify my consent for availing the aforementioned products/ services

By clicking the “I Agree” button and/or by entering the one-time password (OTP) sent by BFL and/or by providing physical signature on this Sanction
Letter Cum Loan Term Sheet, I accept the loan facility from BFL. I hereby confirm that I (i) am at least 18 years of age, (ii) can understand, read and
access the world wide web / internet in English language, (iii) have read, understood and agree to be bound by Loan Term Sheet, Fee and charges, the
loan terms and conditions, value added-product/cross-sell product terms and conditions.

Further, I agree that my action of submission of the OTP sent by BFL and/or providing physical signature, constitutes a valid acceptance by me of the
Terms and Conditions contained herein and same shall have binding effect on me.

Date : ________________
16/11/2023

Place :
GOPALGANJ Applicant Signature

Digitally Signed by : Mohd Abdullah Mohammad

Location : BIHAR

Date : 11/16/2023

Deal ID : BR92008219

IP Address of customer : 223.176.20.90

Customer Mobile Number : 9241165296

Email ID if available (Optional) :

OTP Validated On : 11/16/2023

BFL/CF/SF/LTS/English/2023/Feb/V1