HOME FINANCE FACILITY

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1 NDB HOME FINANCE FACILITY We'll make your home happen NDBbank

2 National Development Bank PLC Company Reg.. PQ 27 Diminishing Musharaka Housing Facility Application From Please affix recent photograph of applicant Instructions 1. Please complete this application form to help us process your request fro a DM Housing Facility. You may provide any other additional and relevant information by a separate letter attached to this form. 2. Please write or type in BLOCK LETTERS where applicable. 3. Please mark in 4. All details must be filled in.if not applicable please write N/A Please ensure that the application is complete in every respect and all the required document are submitted with the application. National Development Bank PLC (Bank) reserves the right to reject any application at any stage without assigning any reason. Please take photocopies of all documents that are submitted to the Bank (including this application from) for your personal record. Please quote your facility number in your correspondence. 1. Diminishing Musharaka Facility Requested Purposes of Facility Amount :... Period of Repayment: Construction Extension House Purchase Improvement 2. Details of Applicant/S Co-Applicant Applicant (in Block Capitals) Mrs Mr Ms Mrs Ms Mr Sex... Relationship to Applicant... Female Male Male Female Full Name Residential Address D D D D Home Telephone/Fax Mobile Address Date of Birth Age M M Y Y Y Y M M Y Y Y Y National Identity Card. Marital Status Number of dependants Educational/Academic/ Professional Qualifications Single Married Children... s Married Single Children... s Details of Spouse Full Name Place of Employment Designation Tel. (H) (0) Address Fax Mobile

You may provide any other additional and relevant information by a separate letter attached to this form. 2. Please write or type in BLOCK LETTERS where applicable. 3. Please mark in 4.

3 4. Details of Employment / Income Applicant Co-Applicant Name of Employer or Business Address Telephone. & Ext/Fax Address Nature of Business Job Position / Designation. of Years with Present Employer Retirement Age If your were not with the present Employer for the last three ; Name of Previous Employer Period of Employment 5. Bank Account Details Name of Account Holder Bank Branch Account. 6. Do you or your spouse have any Deposit Accounts? Depositor's Name Name of Bank/ Institution Type of Deposit Amount 7. Do you or your spouse own any Land/Buildings? Owner of Property & Deed. Address of the Property Nature of Property Name of Company/ Whether Assigned Corporation Policy. Are these deposits assigned? Name of Company If so: to whom? Present Market Value Date of Face Value Premium & Commencement Maturity Frequency 9. Do you or your spouse have any Shares/Treasury Bills? Name of Share / Treasury Bill Holder Present balance If mortgaged Extent of Land (Perches)/ Area of building (Sq. ft.) Regd.amt. Present O/S 8. Do you or your spouse have any Life Insurance Policies? Name of Policy Holder Current/Savings. of Shares/ Treasury Bills Are these Shares / Bills assigned? Face Value

of Years with Present Employer Retirement Age If your were not with the present Employer for the last three ; Name of Previous Employer Period of Employment 5.

4 10. Do you or your spouse own Motor Vehicles? Type of vehicles & Regd.. If Mortgaged/Hypothecated Regd. Owner Regd.Amt. Present O/S Present Market Value Monthly Loan Instalment/Lease Rental 11. Do you or your spouse have any Credit Cards? Balance Period in months Balance Outstanding capital Name of Card / Issuer Credit Limit List below all your existing debts and other facilities from Banks (including National Development Bank PLC, Finance Companies, Leasing Companies and s) Name of Lender Nature of Facility Purpose of Facility Date Original Granted Amt. Security Monthly Present Arrears Instalment O/S 13. Are you liable to pay Income Tax? Balance Period in Months Income / Wealth Tax position for the past 3 (Attach Assessment tices / Computations sheets or Auditor's Certificates) Year of Taxable Assessable Assessment Income Icome (Rs) Income Tax Payable Net Wealth Wealth Tax Payable Income Tax 14. Monthly Income & Expenditure Statement of Applicant & Co-Applicant Applicant Income Profession Employment Basic Salary Fixed Allowances Allowances Business Agriculture Interest Dividends Rent Total Expenditure House Rent Household Expenditure Facility/Loan Repayment Rates/Taxes/Electricity/Telephone Vehicle Expenses (Including Feel) Total Applicant Wealth Tax Amount Paid Co-Applicant Co-Applicant Remarks

List below all your existing debts and other facilities from Banks (including National Development Bank PLC, Finance Companies, Leasing Companies and s) Name of Lender Nature of Facility Purpose of

5 15. Lost below your obligations as a Guarantor / Indemnitor (if any) Name of Lender Original Amt. Name of Facility Name of Borrower /Customer Present O/S 16. Details of Property (To be Purchased / Constructed / Extended / Imporoved) Address :... Extent of Land:... Perches Name of Owners: Built-up Area: sq.ft.... Cost of Land / Rs :... Relationship to Customer or Co - Applican: Name of Life Interest Holder/s (if any):... Facilites will not be granted to purchase properties from one's spouse or to repurchase a property once owned or to purchase a Property from one's parents or to purchase a property from one's children. 17. Loan Details Cost of Construction / Purchase / Extension / Improvement Cost of Land (for land purchase) (Specufy) Incidental Costs Total Funds Required Estimated Sourcing - Own Funds - Sources (Specify) - Facility requested from the Bank TOTAL General Information 18. How did you get to know about us? Media Friends Relations Builder / Developer Bank Customer NDB Group Staff Member Business Representative 19. Do you know anybody working in the NDB group well enough to add a recommendation to your request? Designation Name Company 20.0 Details of two (2) relatives not living with you 01 Name : Mr/Mrs/Ms. Home Address: Office Address: Office: Telephone Home: 02 Name : Mr/Mrs/Ms. Home Address: Office Address: Telephone Home: Relationship: Designation: Mobile: Relationship: Office: Designation: Mobile: I/We confirm that the information given above by me/us are true and accurate. I/We agree to provide any further information or adhere to the terms & conditions to be stipulated by the Bank for the granting of the above Facility requested by me/us.... Signature of Applicant... Signature of Co-Applicant Date :.. Date :..

.. Relationship to Customer or Co - Applican:...... Name of Life Interest Holder/s (if any):.

6 DOCUMENTS TO BE SUBMITTED WITH THE FACILITY APPLICATION Please mark in where the required information is attached with this application. If not available, please comment. INFORMATION REQUIRED FOR CREDIT REVIEW Building Plan approved by the Local Authority. If approval is not required, a letter issued by the Local Authority to this effect 1.2 Certificate of Confirmity (COC) issued by Local Authority (t) relevant for land purchase loans) 2. Bill of Quantities (Estimate) acceptable to the Bank for the proposed construction certified by a Chartered Architect, a Charterd Civil Engineer or a Chartered Quantity Surveyor acceptable to the Bank Letter indicating sources of bridging finance Letter from the Seller agreeing to sell the property or a photocopy of the Sales Agreement. (Only for purchase loans) Income Tax/Payee Tax Certificates for the last three. If employed; 6.1 Original letter from the Employer confirming monthly salary and allowances, number of in service, current designation, retirement age along with an undertaking by the company for a monthly direct deduction of the monthly instalments. 6.2 Pay slips for the past three (3) months 6.3 Photocopy of the Contract of Employment/Letter of appointment and Letter of Confirmation. 7. Or alternate documentary proof of income for self employed individuals. 8. Documentary proof of other income such as photocopies of Flxed Deposit Certificates, Certificates of Deposits, Savings Deposit Certificates Photocopies of Bank Statements for the last three (3) months Latest Credit Card Statements (if applicable) Two (2) Photocopies of National Identity Card Photocopy of Marriage Certificate (if applicable) te: Please submit Originals to support all photocopies. Originals will be returned after perusal. LEGAL DOCUMENTATION REQUIRES 1. Current Survey Plan should be not more than (10) old with sub - division approval (Original or photo copy certified by the same Surveyor) and previous Survey Plans for 25 backwards (photocopies) Original Copy of the last Deed. Title Deeds pertaining to the property offered as security 25 backwards (Originals or photocopies certified by the Land) Registry or certified by the Attesting Lawyer.) Land Registry Extracts 25 backwards duly certified by the Land Registry not more than one (01) month old. Draft Deed of Transfer of the property to be purchased Local Authority Certificates Ownership Certificate Streetline Certificate n-vesting Certificate Originals, not more than 6 moths old Assessment tice Tax Receipt (last quarter) Power of Attorney as per the Bank's format where applicable (Original or photocopy certified by the Attesting Lawyer) TAKAFUL (SHARIAH COMPLAINT INSURANCE) TO BE OBTAINED 1. General Insurance Policy 2. Mortgage Protection Policy Details to be obtained from the Bank 3. Title Insurance (if applicable) FEES APPLICABLE 1. Processing Fee A Processing Fee to cover all expenditure pertaining to Legal / Valuation / Inspection costs is levied. Of the Processing Fee applicable (at the time of obtaining the Facility) a non-refundable payment of 0.75% of the facility amount requested is payable at the time of submission of the application to the Bank. Balance is payable on or before the first disbursement of the Facility. 2. Fees Cost of Obtaining Takaful Policy/ies (as applicable), Stamp Fees, Statutory Fees, Taxes and Levies and any other Special fees applicable (if any), should be borne by the Applicant.

2 Certificate of Confirmity (COC) issued by Local Authority (t) relevant for land purchase loans) 2.

Loan Application Form

Regd. Office : 9th floor, Antriksh Bhawan, 22, Kasturba Gandhi Marg, New Delhi - 110 001 Website : www.pnbhfl.com Loan Application Form INSTRUCTIONS 1 Please write all the information in BLOCK LETTERS.