SUPPLEMENTAL LOAN AGREEMENT

SUPPLEMENTAL LOAN AGREEMENT

This supplemental loan agreement ("Supplemental Agreement") made amongst:

1.) The persons named as Borrower, the details whereof are given in the Schedule ("Schedule") at the end of this Supplemental Agreement, of the first part, hereinafter called "Borrower";

AND

2.) HDFC Bank Limited, a banking company incorporated under the Companies Act, 1956 and having its registered office at HDFC Bank House, Senapati Bapat Marg, Lower Parel (West), Mumbai-400013,of the otherpart, hereinafter called "Bank".

Whereas the parties hereto had entered into a Loan Against Securities (Overdraft) Facility Agreement bearing such loan agreement number as mentioned in the Schedule hereto (hereinafter referred to as "Principal Loan Agreement") pursuant to which the Bank had sanctioned an overdraft facility amount mentioned in the Schedule (hereinafter referred to as "Existing OD Facility Amount") against the securities (defined therein) and on the terms and conditions contained in the Principal Loan Agreement.

The Bank at the specific request of the Borrower has agreed to increase/enhance the Existing OD Facility Amount by the incremental amount mentioned in the Schedule ("Additional OD Facility Amount") on the same terms and conditions, and at the same charges, as contained in the Principal Loan Agreement except those expressly modified and recorded herein.

The parties hereto have agreed to execute this supplemental to record the changes to the Principal Loan Agreement.

NOW THIS SUPPLEMENTAL AGREEMENT WITNESSETH THAT:

1.) The limit of the overdraft facility shall not exceed enhanced amount mentioned in the Schedule ("Enhanced OD Facility Amount").

2.) The overdraft facility shall carry interest at the rate as specified in the Schedule,upon daily balances shown by the overdraft account,which interest shall be calculated and payable on monthly rests or any other interval as the bank may decide from time to time.

All the terms and conditions mentioned in the said Principal Loan Agreement entered into by the parties mentioned hereto save and except those expressly modified as mentioned above shall remain unchanged and apply mutatis mutandis and be deemed to have been specifically incorporated herein and be read in conjunction with this Supplemental Agreement hereto as forming integral part thereof.

Acceptance and Signing

The Borrower hereby expressly acknowledges and confirms that the Borrower has read, verified, understood, irrevocably agreed to and accepted and delivered all the terms and conditions contained above (including sub clauses) and the Schedule and all the contents of the Application (collectively, "Documents") online by ticking/clicking the "I agree" or "I agree and accept" or any similar icon/tab/option on the online system/Net Banking/Website/portal/platform of the Bank as well as by entering the one time password ("OTP") provided to the Borrower's registered mobile number, and that there is no requirement of Borrower's any other signature or physical signature for the Documents or of the Borrower signing the Documents in physical form. The Borrower also acknowledges that the execution of the Supplemental Agreement would be complete only once the same is accepted by the Bank. The Bank also does not require to sign the documents in any physical form. The Bank shall be deemed to have accepted and signed this document online by way of sending an email communicating its credit decision from its officer in Mumbai to the Borrower and attaching therewith the copy of this document. For the purpose of stamp duty, any writing on a stamp paper or franked page associating the stamp paper or such franked page with this document will be as good as making the stamp paper/franked page an integral part of this document.

The Bank may print paper copies of the electronic record or produce in any such form at its discretion this document or any documents and Borrower's signing as aforesaid, and the same shall be fully binding on the Borrower and the Borrower has no objection to such print-outs or any such other form (in the discretion of Bank) being produced by the Bank in evidence in any court, tribunal or otherwise, to prove the acceptance, execution as well as the contents of the contract.

Applied, Accepted, Authenticated, Signed and Delivered by the Borrower through NetBanking using Borrower's NetBanking Customer ID & Password, by ticking/clicking the "I agree" or similar icon/tab on the online system/NetBanking/Website of HDFC Bank as well as by entering the one time password (OTP).

SCHEDULE

Name and Address of Borrower (1):
Name and Address of Borrower (2):
Name and Address of Borrower (3):
Principal Loan Agreement Number:
Existing OD Facility Amount:
Additional OD Facility Amount:
Enhanced OD Facility Amount:
Rate of Interest:
Stamp Duty: As Applicable