COOKE AND KELVEY BUILDING 1ST FLOOR 20 OLD COURT HOUSE STREET KOLKATA- 700001 TEL - 033- 22481981/22489980,

FAX NO. 22489755 File No: 603198360/MM Service Center: COOKE & KELVY Place Of Service: COOKE AND KELVEY MR JASSAL AMARDEEP SINGH 135, CHINGRIGHATA CANAL SOUTH ROAD NEAR:FISH MARKET KOLKATA - 700105 Offer Date: 15-NOV-2011

Dear Sir/Madam,

We are pleased to inform you that we have in principle, approved a HOUSING LOAN as per the terms and conditions mentioned below, special conditions if any, and other conditions mentioned overleaf. Amount Approved Rate of Interest Term Repayment Terms: Rest Frequency Equated Monthly Instalment Payable in Processing Fee payable Processing Fee received Rs. 1400000 10.50% p.a. on a Variable Rate basis ** 20 Years ***

** The interest rate announced by HDFC from time to time as its Retail Prime Lending Rate (RPLR) shall be applicable to your loan with spread, if any. The current applicable rate of interest with spread, if any, is 10.5% per annum. *** This is subject to the provisions for variation thereof in terms of the loan agreement to be executed by you.

SPECIAL CONDITIONS: 1 2 3 The interest rates under this festive offer are subject to your availing of a disbursement on or before December 31st, 2011 As per your request, this offer is being made to you under HDFC's ADJUSTABLE RATE HOME LOAN scheme. The rate of interest mentioned above is based on the currently prevailing RPLR and the same may vary at the time of disbursement of the loan as well as during its pendency in terms of the said Loan Agreement. As a result of the variations in the interest rate the number of EMI's is liable to vary from time to time.
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Rs. Rs. 7721 7721

Monthly Rest Rs. 13978 per month *** 240 instalments ***

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Loan will be disbursed subject to legal and technical clearance of the property financed. Repayment of the Loan in Equated Monthly Instalments (EMIs) will be from your Saving Bank Account No. 01051140050264 with HDFC Bank Ltd., through standing instruction. You will be required to provide your request to HDFC Bank Ltd., for maintenance of a Standing Instruction for EMI Payment of HDFC Ltd. through standing instruction facility, duly signed by you and HDFC Bank official for authorising HDFC Bank Ltd. to debit the above mentioned a/c You will have to submit the original registered deed of conv. before disbursement. THE DISBURSEMENT OF LOAN IS SUBJECT TO THE PROJECT BEING APPROVED BY HDFC LTD. THE APPROVAL OF PROJECT IS SUBJECT TO THE SATISFACTION OF LEGAL & TECHNICAL FORMALITIES AS REQUIRED BY HDFC LTD Disbursement of the loan will also be subject to submission of attested copies of documents in connection with Proof of Residence and Proof of Identity as mentioned in the Application Form and HDFC finding the same satisfactory.

We will be happy to expedite disbursement of this loan and request you to contact Customer Care on 03323215060 at our COOKE AND KELVEY office to complete the necessary formalities required by HDFC. We look forward to hearing from you.

Yours faithfully, For Housing Development Finance Corporation Limited,

Authorised Signatory

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