Common use of Grievance Redressal Clause in Contracts

Grievance Redressal. For any service related issue including obtaining documents or in case of any complaint/grievance, the Borrower may communicate in writing, orally, electronically through e-mail, website, telephone and modes given below. The Borrower may contact our Office through any of the following channels: • By telephonic communication with our call centre at 00000000000 (helpline) b/w 9:30 am – 6 pm from Monday to Friday (Except Public Holidays). • By way of online request - xxxxx://xxx.xxxx.xxx/contact-us/home-loan/raise-a-request • By way of written letter addressed to Customer Service - Home Loans, IIFL Home Finance Ltd, IIFL House, Sun Infotech Park, Road Xx. 00X,Xxxx Xx.X-00, Xxxxx Xxxxxxxxxx Xxxx, Xxxxx Xxxxxx, Thane – 400604 • By way of physically visiting the Service Branch and lodge a complaint in the Complaint Register maintained at our branches In case the response is unsatisfactory or no response is received from above mentioned sources, the complaint may be escalated to: Grievance Redressal Officer at XXX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 Borrower can further escalate the complaint to: Nodal Officer: XX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 In case the complainant is dissatisfied with the response received from IIFL HFL or where no response is received, the Complainant may approach the Complaint Redressal Cell of National Housing Bank by lodging its complaint in online mode at the link xxxxx://xxxxx.xxxxxxxxx.xxx.xx OR in offline mode by post, in prescribed format, available at link to Complaint Redressal Cell, Department of Regulation & Supervision, National Housing Bank, 4th Floor, Core 5A, India Habitat Centre, Lodhi Road, New Delhi – 110003 It is hereby agreed that for detail terms and conditions of the Loan, the parties hereto shall refer to and rely upon the loan and other security documents executed / to be executed by them. The above terms and conditions have been read by the borrower/s / read over to the borrower,understood and agreed upon borrower/s. Updated till Oct 1, 2020 Schedule of Charges

Grievance Redressal. For any service related issue including obtaining documents or in case of any There can be instances where the Borrower is not satisfied with the services provided. To highlight such instances & register a complaint/grievance, the Borrower may communicate in writing, orally, electronically through e-mail, website, telephone and modes given below. follow the following process: The Borrower may contact can complain to customer care on our Office through any of website xxx.xxxxxxxxxxxxxx.xxx or by mail at xxxxxxxx@xxxxxxxxxxxxxx.xxx Borrower can meet or write to the following channels: • By telephonic communication with our call centre at 00000000000 (helpline) b/w 9:30 am – 6 pm from Monday to Friday (Except Public Holidays). • By way of online request - xxxxx://xxx.xxxx.xxx/contact-us/home-loan/raise-a-request • By way of written letter addressed to Customer Service - Home Loans, IIFL Home Finance Ltd, IIFL House, Sun Infotech Park, Road Xx. 00X,Xxxx Xx.X-00, Xxxxx Xxxxxxxxxx Xxxx, Xxxxx Xxxxxx, Thane – 400604 • By way of physically visiting Branch Manager for the Service Branch and lodge a complaint in the Complaint Register maintained at our branches respective dealing branch In case the response is unsatisfactory or no response is received from above mentioned sourcesconcern remains unresolved beyond a period of 7 working days, the complaint Borrower may be escalated to: escalate the matter to the xxxxxxxxxx@xxxxxxxxxxxxxx.xxx The Grievance Redressal Officer at XXX@xxxx.xxxCell, IIFL TowerMuthoot Homefin (India) Ltd, 981201 &1202,12th Floor,”A” Wing, Udyog ViharLotus Corporate Park, Phase-IVOff. Western Express Highway, GurgaonGoregaon (East), Haryana -122015 Borrower can further escalate the complaint to: Nodal Officer: XX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 Mumbai - 400063 In case the complainant is you are dissatisfied with the response received from IIFL HFL / or where no response is received, the Complainant you may approach the Complaint Redressal Cell of National Housing Bank by lodging its a complaint in online mode at the link xxxxx://xxxxx.xxxxxxxxx.xxx.xx OR in offline mode by post, in prescribed format, format available at link to ---xxxx://xxx.xxx.xxx.xx/Regulation/Complaint_Cell_against_HFCs.php The Complaint Redressal Cell, Department of Regulation & Supervision, Cell National Housing Bank, 4th Floor, Core 5A, 5A India Habitat Centre, Centre Lodhi Road, New Delhi – 110003 It is hereby agreed that for detail terms and conditions of the Loan, the parties hereto shall refer to and rely upon the loan and other security documents executed / to -110023. (The complaint can also be executed by them. emailed at xxxxxx@xxx.xxx.xx) The above terms and conditions have been read by the borrower/s / read over to the borrower,borrower and have been understood and agreed upon by the borrower/s. Updated till Oct 1, 2020 Schedule Signature or Thumb impression of ChargesXxxxxxxx/s Authorised Signatory

Grievance Redressal. For any service related issue including obtaining documents or in case of any complaint/complaint & grievance, the Borrower may communicate in writing, orally, electronically through e-mail, website, telephone and modes given below. The Borrower may contact our Office through any of the following channels: • By telephonic communication with our call centre Call Centre at 00000000000 0000-000-0000 (helplinetoll free) b/w 9:30 am – 6 pm or walk in at nearest branch between 10:00am - 6:00pm from Monday to Friday (Except Public Holidays). • By way of online request - xxxxx://xxx.xxxx.xxx/contact-us/home-loan/raise-a-request email: If not satisfied with resolution received or if they don’t receive any response within 15 working days, customer can write a mail to Chief Grievance Redressal Officer at xxxxxxxxxx@xxxxxxxxx.xxx • By way of written letter addressed : If the customers are not satisfied or do not receive any reply even from the Chief Grievance Redressal Officer, he/she may prefer an appeal to Customer Service - Home Loansthe Chief Executive Officer/Managing Director being the Nodal Officer of the company within period of 30 days from the date of decision intimated to the customer/appellant:- CEO / Managing Director, IIFL Home Roha Housing Finance LtdPrivate Limited, IIFL HouseUnit no.710, Sun Infotech ParkB wing 7th Floor, Road Xx. 00X,Xxxxxxx Xxxx Xx.X-00, Xxxxx Xxxxxxxxxx Xxxx, Xxxxx Xxxxxx, Thane – 400604 Xxxxxxx, Andheri Kurla Road, Andheri east, Mumbai- 400093 Office: 022-62634600 Email Id: xxx.xx@xxxxxxxxx.xxx • By way of physically visiting the Service Branch and lodge a complaint in the Complaint Register maintained at our branches In case the response is unsatisfactory or no response is received from above mentioned sources, the complaint may be escalated to: Grievance Redressal Officer at XXX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 Borrower can further escalate the complaint to: Nodal Officer: XX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 In ln case the complainant is dissatisfied with the response received from IIFL HFL RHFPL or where no response is received, the Complainant may approach the Complaint Redressal Cell of National Housing Bank by lodging its complaint complains in online Online mode at the link xxxxx://xxxxx.xxxxxxxxx.xxx.xx OR in offline mode by post, in prescribed format, format available at link link-hppt://xxx.xxx.xxx.xx/Xxxxxxxxxx- Redressal-System/Lodging-Complaint-Against-HFCsNHB%E@%80%93Physical -mode.pdf, to Complaint Redressal Cell, Department of Regulation & Supervision, National Housing Bank at the address:- National Housing Bank, 4th Department of Regulation and Supervision,(Complaint Redressal Cell),4th Floor, Core 5A, India Habitat Centre, Lodhi Road, New Delhi – 110003 110 003. The complaint can also be e-mailed at xxxxxx@xxx.xxx.xx. These MITC shall be governed by the Laws of India. It is hereby agreed that for detail terms and conditions of the Loan, the parties hereto shall refer to and rely upon the loan and other security documents executed / executed/to be executed by them. The above terms and conditions have been read by the borrower/s Borrower / read over to the borrower,, understood and agreed upon borrower/s. Updated till Oct 1, 2020 Xxxxxxxx. ********* Annexure A Schedule of ChargesApplicable Fees and charges: Roha Housing Finance Private Limited (RHFPL) Transaction Fees/ charges (in Rs.) Pre-Disbursement All fees and Charges are exclusive of GST Initial Login Fees (Non-Refundable, Non - adjustable) 3,100/- Fees for Certified True Copies of Title Deeds from SRO (if any) As per Actual Stamp duty on loan documents, other legal documents like Indemnity Bond, Legal Undertakings, Legal Affidavits, Personal Guarantee Bond, Power of Attorney, etc. and charges for registration of Notice of Intimation To be procured and paid by borrower directly. The charges will be as applicable under the relevant state laws. *Verification Charges Up to 4% of loan amount Post-Disbursement Cheque/ECS/Direct Debit/ACH/NACH Bounce charges (per instrument/transaction) Rs. 500/- Repayment instrument swap Fees /EMI cycle change (per set) Rs. 500/- ROI Conversion / Switch Fees Variable to Fixed or Fixed to Fixed : Up to 1.5% of Loan outstanding Disbursement Cheque Cancellation Charges (any change in disbursement cheque on client request) Rs. 500 /- Statement of account fees Rs. 500 /- Loan Cancellation Charges / Loan Rebooking Charges (on client request) Rs. 2,500/- Subsequent Technical Verification charge if any (for under construction property) Rs. 1,000/- Document Retrieval charges (including copy of property papers) Rs. 1,000 per request Copy of List of Documents (LOD) fees Rs. 500/- Fees for Duplicate copy of NOC Rs. 500/- Penal Interest on default instalment (EMI/Pre-EMI) 2% pm Recovery charges (Legal/Repossession & Incidentals) On Actuals Part prepayment / Foreclosure Fees For Individuals at variable rate NIL For Individuals at fixed rate (except for closure from own sources) 3% of amount pre-paid / foreclosed For Non-Individuals 3% of amount pre-paid / foreclosed Part payment / Foreclosure of loan is allowed after completion of 12 months from date of last disbursement

Grievance Redressal. For any service related issue including obtaining documents or in case of any complaint/grievance, In the Borrower may communicate in writing, orally, electronically through e-mail, website, telephone and modes given below. The Borrower may contact our Office through any of the following channels: • By telephonic communication unlikely event that you are not satisfied with our call centre at 00000000000 (helpline) b/w 9:30 am – 6 pm from Monday services, you can register your grievance for redressal of concern. Grievance Redressal First Level E-mail ID to Friday (Except Public Holidays). • By way of online request - xxxxx://xxx.xxxx.xxx/contact-us/home-loan/raise-a-request • By way of written letter addressed to Customer Service - Home Loans, IIFL Home Finance Ltd, IIFL House, Sun Infotech Park, Road Xx. 00X,Xxxx Xx.X-00, Xxxxx Xxxxxxxxxx Xxxx, Xxxxx Xxxxxx, Thane – 400604 • By way of physically visiting the Service Branch and lodge a complaint in the Complaint Register maintained at our branches In case the response is unsatisfactory or no response is received from above mentioned sources, the complaint may be escalated to: Grievance Redressal Officer at XXX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 Borrower can further escalate xxxxxx.xxxxxx@xxxxxxxxxxxxxxxxxxx.xxx Contact # to lodge the complaint to: Nodal Officer: XX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase0124 - 4715450 Resolution time 15 working days Second Level E-IV, Gurgaon, Haryana -122015 mail ID to lodge the complaint xxxxxxx@xxxxxxxxxxxxxxxxxxx.xxx Contact # to lodge the complaint 0124 - 4715450 Resolution time 21 working days In case the complainant is dissatisfied with the response received from IIFL HFL received/ or where no response is received, the Complainant may approach the Complaint Redressal Cell of National Housing Bank by lodging its complaint in online mode at the link xxxxx://xxxxx.xxxxxxxxx.xxx.xx OR in offline mode by post, in prescribed format, available at link to following contact details: Complaint Redressal Cell, Department of Regulation & Supervision, National Housing Bank, 4th Floor, Core 5ACore-5A, India Habitat Centre, Lodhi Road, New Delhi – 110003 Delhi-110003 or E-mail at xxxxxx@xxx.xxx.xx Disclosure: The Company is authorized to disclose from time to time any information relating to the loan to any Credit Bureau (existing or future) approved by Govt of India or any authority as may required from time to time without any notice to the customer. It is hereby agreed that for detail detailed terms and conditions of the Loanloan, the parties hereto shall refer to and rely upon the loan agreement and other security documents executed / executed/ to be executed by them. The details contained in this document may be subject to change as per company policy and in line with the terms contained in the Loan Agreement. The above terms and conditions have been read by the borrower/s / s/ read over to the borrower,borrower by Mr/ Ms ……………………………………………………………………………… ……………………….. of the Company in Borrower(s) vernacular language and have been understood and agreed upon borrowerby the Borrower/s. Updated till Oct 1, 2020 Schedule Signature or thumb impression of Chargesthe Borrower/(s)/ Guarantor(s) Signature & Name of the authorized person SATIN Housing Finance Ltd

Grievance Redressal. For any service related issue including obtaining documents or in In case of any complaint/grievance with respect to Co-lending arrangement, DSA/ DMA, Recovery Agents/ Agency, Outsourcing vendors, Direct assignments or any loan related grievance, the Borrower may communicate in writing, orally, electronically through e-mail, website, telephone and modes given below. The Borrower customer may contact our Registered Office through any of the following channels: • By telephonic communication with our call centre at 00000000000 (helpline) b/w 9:30 am – 6 pm from Monday to Friday (Except Public Holidays)Xxx. • By way of online request - xxxxx://xxx.xxxx.xxx/contact-us/home-loan/raise-a-request • By way of written letter addressed to Customer Service - Home Loans, IIFL Home Xxxxxxx Xxxxxx Email: xxxxxxxxxx@xxxxxxxxxxxxxxxxxxx.xxx Mail: Edelweiss Housing Finance Ltd, IIFL HouseTower 0, Sun Infotech ParkXxxx X, Road Xx. 00X,Xxxx Xx.X-00, Xxxxx Xxxxxxxxxx Xxxxxxxx Xxxx, Xxxxx XxxxxxXxxxxxxx City Kirol Road, Thane Kurla(W) Mumbai 40007; Telephone: 022 – 400604 • By way 00000000 /Toll Free No: 1-800-1026371 After examining the matter, it would be Xxxx’s endeavor to provide the Borrower with our response, within a period of physically visiting six (6) weeks from the Service Branch and lodge a complaint in receipt of such complaint/grievance. If the Complaint Register maintained at our branches In case customer does not receive response from the response is unsatisfactory Company or no response is received from above mentioned sources, the complaint may be escalated to: Grievance Redressal Officer at XXX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 Borrower can further escalate the complaint to: Nodal Officer: XX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 In case the complainant is dissatisfied with the response received from IIFL HFL or where no response is received, the Complainant complainant may approach the Complaint Redressal Cell of National Housing Bank by lodging its his complaint in online Online mode at the link xxxxx://xxxxx.xxxxxxxxx.xxx.xx OR xxxx://xxxxx.xxxxxxxxx.xxx.xx or in offline Offline mode by post, post in prescribed format, format available at link xxxxx://xxxxx.xxxxxxxxx.xxx.xx/(S(gbasi5bgsifwr4wmckts4z4x))/Complainant/Default.aspx, to the following address: Complaint Redressal Cell, Department of Regulation & and Supervision, National Housing Bank, 4th Floor, Core 5ACore-5A, India Habitat Centre, Lodhi Road, New Delhi – 110003 110 003 It is hereby agreed that for detail detailed terms and conditions of the Loan, the parties hereto shall refer to and rely upon the loan Loan Agreement and other security documents executed / to be executed by them. The I/We the borrowers hereby confirm and declare that the above terms and conditions have been read by the borrowerme/s / read us /read over to me/ us in my/our vernacular language by Mr./Ms. of the borrower,Company. I/We have understood the term and agreed upon borrowerconditions as mentioned above and agree, confirm and declare to abide by the same. I/s. Updated till Oct 1, 2020 Schedule We also acknowledge the receipt of Chargesa copy of Most Important Terms & Conditions.

Grievance Redressal. For any service related issue including obtaining documents or in case of any complaint/grievance, In the Borrower may communicate in writing, orally, electronically through e-mail, website, telephone and modes given below. The Borrower may contact our Office through any of the following channels: • By telephonic communication unlikely event that you are not satisfied with our call centre at 00000000000 (helpline) b/w 9:30 am – 6 pm from Monday services, you can register your grievance for redressal of concerns. Grievance Redressal First Level Name & Designation Branch Manager E-mail ID to Friday (Except Public Holidays). • By way of online request - xxxxx://xxx.xxxx.xxx/contact-us/home-loan/raise-a-request • By way of written letter addressed to Customer Service - Home Loans, IIFL Home Finance Ltd, IIFL House, Sun Infotech Park, Road Xx. 00X,Xxxx Xx.X-00, Xxxxx Xxxxxxxxxx Xxxx, Xxxxx Xxxxxx, Thane – 400604 • By way of physically visiting the Service Branch and lodge a complaint in the Complaint Register maintained at our branches In case the response is unsatisfactory or no response is received from above mentioned sources, the complaint may be escalated toVirar: xxxxxxx.xxxxxx@xxxxxxx.xxx Kalyan: xxxxxxxx.xxxxxx@xxxxxxx.xxx Contact # to lodge the complaint Virar: +00 0000000000 Kalyan:+00 0000000000 Resolution time 7 working days Second Level Name & Designation Grievance Redressal Officer at XXX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, PhaseE-IV, Gurgaon, Haryana -122015 Borrower can further escalate mail ID to lodge the complaint to: Nodal Officer: XX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phasexxx.xxxxxx@xxxxxxx.xxx Contact # to lodge the complaint (0)00-IV, Gurgaon, Haryana -122015 00000000 Resolution time 7 working days Third Level Name & Designation Chief Executive Officer E-mail ID to lodge the complaint xxx.xxxxxx@xxxxxxx.xxx Contact # to lodge the complaint (0)00-00000000 Resolution time 15 working days In case the complainant is still dissatisfied with the response received from IIFL HFL received/ or where no response is received, the Complainant may approach the Complaint Redressal Cell of National Housing Bank by lodging its complaint in online mode at the link xxxxx://xxxxx.xxxxxxxxx.xxx.xx OR in offline mode by post, in prescribed format, available at link to following contact details: Complaint Redressal Cell, Department of Regulation & Supervision, National Housing Bank, 4th Floor, Core 5ACore-5A, India Habitat Centre, Lodhi Road, New Delhi – 110003 Delhi-110003 or E-mail at xxxxxx@xxx.xxx.xx Disclosure: The Company is authorized to disclose from time to time any information relating to the loan to any Credit Bureau (existing or future) approved by Govt. of India or any other authority as may be required from time to time without any notice to the customer. It is hereby agreed that for detail detailed terms and conditions of the Loanloan, the parties hereto shall refer to and rely upon the loan Loan Agreement and other security documents executed / executed/ to be executed by them. The details contained in this document may be subject to change as per company policies and in line with the terms contained in the Loan Agreement. The above terms and conditions have been read by the borrower/s / s/ read over to the borrower,borrower by Mr/ Ms. ……………………………………………………………………………… ……………………….. of the Company in Borrower(s) vernacular language and have been understood and agreed upon borrowerby the Borrower/s. Updated till Oct 1, 2020 Schedule Signature or thumb impression of Chargesthe Borrower/(s) Signature & Name of the authorized person

Grievance Redressal. For any service related issue including obtaining documents or in case of any complaint/grievance, the Borrower may communicate in writing, orally, electronically through e-mail, website, telephone and modes given below. The Borrower may contact our Office through any of the following channels: • By telephonic communication with our call centre at 00000000000 (helpline) b/w 9:30 am – 6 pm from Monday to Friday (Except Public Holidays). • By way of online request - xxxxx://xxx.xxxx.xxx/contact-us/home-loan/raise-a-request • By way of written letter addressed to Customer Service - Home Loans, IIFL Home Finance Ltd, IIFL Househome loans Pno. No 98, Sun Infotech ParkPhase IV, Road Xx. 00X,Xxxx Xx.X-00Gurugram, Xxxxx Xxxxxxxxxx Xxxx, Xxxxx Xxxxxx, Thane – 400604 Haryana 122016 • By way of physically visiting the Service Branch and lodge a complaint in the Complaint Register maintained at our branches In case the response is unsatisfactory or no response is received from above mentioned sources, the complaint may be escalated to: Grievance Redressal Officer - Xxxxxxxx Xxxxxx at XXX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 Borrower can further escalate the complaint to: Nodal Officer: XX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 In case the complainant is dissatisfied with the response received from IIFL HFL or where no response is received, the Complainant may approach the Complaint Redressal Cell of National Housing Bank by lodging its complaint in online mode at the link xxxxx://xxxxx.xxxxxxxxx.xxx.xx https:// xxxxx.xxxxxxxxx.xxx.xx OR in offline mode by post, in prescribed format, available at link to Complaint Redressal Cell, Department of Regulation & Supervision, National Housing Bank, 4th Floor, Core 5A, India Habitat Centre, Lodhi Road, New Delhi – 110003 It is hereby agreed that for detail terms and conditions of the Loan, the parties hereto shall refer to and rely upon the loan and other security documents executed / to be executed by them. The above terms and conditions have been read by the borrower/s / read over to the borrower,understood and agreed upon borrower/s. Updated till Oct 1, 2020 Schedule of Charges

Grievance Redressal. For any service related issue including obtaining documents or in KIFS Housing Finance Private Limited (KIFS HFPL) strives for customer satisfaction within the framework of the law, adopted policies & procedures. In case of any complaint/grievance, the Borrower customer may communicate in writing, orally, electronically through eapproach KIFS HFPL Branch Manager of the business location where he/she has his/her account and register the complaint either by Letter / by E-mail, website, telephone and modes given belowmail / visit the branch office. The Borrower may contact customer shall be responded within a period of 7 days from the date of complaint. After examining the matter, we shall send the customer our Office through any final response or explain why it needs more time to respond and shall endeavor to do so within 3 weeks from the date of the following channels: • By telephonic communication with our call centre at 00000000000 (helpline) b/w 9:30 am – 6 pm from Monday to Friday (Except Public Holidays)complaint. • By way of online request - xxxxx://xxx.xxxx.xxx/contact-us/home-loan/raise-a-request • By way of written letter addressed to Customer Service - Home Loans, IIFL Home Finance Ltd, IIFL House, Sun Infotech Park, Road Xx. 00X,Xxxx Xx.X-00, Xxxxx Xxxxxxxxxx Xxxx, Xxxxx Xxxxxx, Thane – 400604 • By way of physically visiting the Service Branch and lodge a complaint in the Complaint Register maintained at our branches In case the response is unsatisfactory or no the customer has not received any response is received from above mentioned sourcesthe company with in reasonable time (i.e., the complaint may be escalated to: Grievance Redressal Officer at XXX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 Borrower can further escalate the complaint to: Nodal Officer: XX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 In case the complainant 3 weeks) or is dissatisfied with the response received from IIFL HFL or where no response is received, the Complainant customer may contact the compliance officer at KIFS HFPL Corporate Office on E-mail id: xxxxxxxxxxxx@xxxxxxxxxxx.xxx or may write to the Corporate Office address as mentioned below or call at: 000-00000000. By Letter:- To KIFS HFPL Customer Care:- KIFS Housing Finance Private Limited, C-902, Lotus Park, Xxxxxx Xxxxx Compound, Western Express Highway, Goregaon (East) Mumbai – 400 063 In case, the response from the company is unsatisfactory or the customer has not received any response from the company within reasonable time (i.e., 6 weeks) or is dissatisfied with the response received, the customer may approach the Complaint Redressal Cell of National Housing Bank (NHB) by lodging its complaint complaints in online mode at the link xxxxx://xxxxx.xxxxxxxxx.xxx.xx OR in offline mode by post, post in prescribed format, format available at link link: NHB website link: xxxx://xxx.xxx.xxx.xx/Grievance-Redressal-System/Lodging-Complaint-Against-HFCs- NHB%E2%80%93Physical-Mode.pdf, send to the following address:- To Complaint Redressal Cell, Department of Regulation & and Supervision, National Housing BankBank (NHB), 4th Floor, Core 5A5-A, India Habitat Centre, Lodhi RoadXxxxx Xxxx, New Delhi Xxx Xxxxx – 110003 000000. Email: xxxxxx@xxx.xxx.xx It is hereby agreed that for detail terms and conditions of the Loan, the parties hereto shall refer to and rely upon the loan and other security documents executed / to be executed by them. The above terms and conditions have been read by the borrower/s Borrower(s) / read over to the borrower,borrower(s) by Mr. / Ms. _ of the Company and have been understood by the Borrower(s). Duplicate copy of this MITC has been handed over to the Borrower(s). _ --------------------------------------------- (Signature or thumb impression of the Borrower(s) (Signature of the authorized Representative of KIFS HFPL) CHARGE / COST SHEET Fee Type Amount When payable Processing Fee-Non Refundable Home Loan: Rs. 3000/- + GST LAP / Commercial Loan: Rs. 5000/- + GST To be paid along with the loan application Operational & Administrative Cost- Non Refundable Home Loan (Formal Income): 1.25%+ GST of the sanctioned loan amount. Home Loan (Informal Income): 1.50% + GST of the sanctioned loan amount. LAP / Commercial Loan: 2% +GST of the sanctioned loan amount a. To be paid before disbursement of loan. Legal Verification Rs.1500 inclusive of Taxes (Non refundable) At the time of disbursement Technical Verification Rs.1500 inclusive of Taxes (Non refundable) At the time of disbursement Subsequent Technical Verification Rs.500 inclusive of Taxes (Non refundable) At the time of disbursement Documentation Rs.500 inclusive of Taxes (Non refundable) At the time of disbursement CERSAI Rs.300 for loans up to 5 lacs Rs.600 for loans more than 5 lacs inclusive of GST At the time of disbursement Cheque/ECS/ACH/NACH bounce per Transaction Rs.500 inclusive of GST As and agreed upon borrowerwhen applicable Overdue charges on default installment (EMI/s. Updated till Oct 1Pre EMI) 2% per month on outstanding dues As and when applicable Recovery (Legal/re-possession & Incidental charges) As per Actual As and when applicable Cheques/ECS/NACH swapping (Per Set) Rs.500 inclusive of GST After disbursement, 2020 Schedule if applicable Duplicate Interest certificate Rs.250 per copy except one copy in a year inclusive of ChargesGST As and when applicable Duplicate no dues certificate Rs.250 inclusive of GST As and when applicable Copy of Property Papers Rs.250 minimum charges upto 20 pages and Rs.1 per page extra would be charged inclusive of GST After disbursement, if applicable Prepayment / Part Payment For Variable Rate under HL & LAP: Xxxx. For Fixed Rate Under HL & LAP: 3% of loan outstanding + GST Loan prepayment is allowed after 6 months of loan being fully disbursed Document Retrieval & CERSAI Release Rs.500 inclusive of GST At the time of Loan closure Duplicate Statement of Account Charges Rs.250 inclusive of GST As and when applicable Duplicate Foreclosure Letter Rs.250 inclusive of GST As and when applicable List of Documents Rs.250 inclusive of GST As and when applicable Custodian Fees Rs.500 per month inclusive of GST If property papers are not taken at the time of Loan closure

Grievance Redressal. For any service related issue including obtaining documents or in In case of any complaint/grievance, grievance or any other service related issue, the Borrower borrower may communicate in writing, orally, electronically through e-mail, website, telephone and modes given below. The Borrower may contact our Office reach us through any of the following channelsmodes: • By telephonic communication with our call centre at 00000000000 (helpline) b/w 9:30 am – 6 pm from Monday to Friday (Except Public Holidays). • By way of online request - xxxxx://xxx.xxxx.xxx/contact-us/home-loan/raise-a-request • By way of written letter addressed to Customer Service - Home Loans, IIFL Home Finance Ltd, IIFL House, Sun Infotech Park, Road Xx. 00X,Xxxx Xx.X-00, Xxxxx Xxxxxxxxxx Xxxx, Xxxxx Xxxxxx, Thane – 400604 • By way of physically visiting the Service Branch and lodge post a complaint in the Complaint Register maintained at our branches branches. Customers can visit our branch during visiting hours between 10 a.m. and 5 p.m. from Monday to Friday & from 10 a.m. to 1 p.m. on Saturdays (except on public holidays) Customers can contact us at +91-80-2655 2822 between 10 a.m. and 5 p.m. from Monday to Friday & from 10 a.m. to 1 p.m. on Saturdays (except on public holidays) Customers can also reach us vide E-mail: xxxxxxx@xxxxxxxxxxxxx.xxx By way of written letter addressed to registered office of the company - To The Customer Service Manager – Home Loans, Nivara Home Finance Ltd., 22, 23, 24, 25/101/3, 3rd Floor, BNR Complex, Sri Rama Layout, Opp. RBI Layout, 7th Phase, JP Nagar, Bangalore – 560078. In case of delay or unsatisfactory response or non-response through the response is unsatisfactory or no response is received from above mentioned sourcesmodes, the complaint borrower(s) may be escalated escalate the pending complaint, grievance or any other service request to: Grievance Redressal Officer at XXX@xxxx.xxxThe Managing Director, IIFL TowerNivara Home Finance Limited, 9822, Udyog Vihar23, 24, 25/101/3, 3rd Floor, BNR Complex, Sri Rama Layout, Opp. RBI Layout, 7th Phase, JP Nagar, Bangalore – 560078 E-IV, Gurgaon, Haryana -122015 Borrower can further escalate mail: xx@xxxxxxxxxxxxx.xxx If the complaint to: Nodal Officer: XX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 In case the complainant borrower(s) is still dissatisfied with the response received from IIFL HFL received/or where no response is received, the Complainant borrower(s) may approach the Complaint complaint Redressal Cell of National Housing Bank (NHB) by lodging its complaint their complaints in online Online mode at the link xxxxx://xxxxx.xxxxxxxxx.xxx.xx xxxxx://xxxxx.xxxxxxxxx.xxx.xx/(S(gb1kgrqjt2rwhpdfezlqziwr))/default.aspx OR in offline Offline mode by post, in prescribed format, format available at link xxxx://xxx.xxx.xxx.xx/Grievance-Redressal-System/Lodging-Complaint-Against-HFCs-NHB%E2%80%93Physical-Mode.pdf, to Complaint Redressal Cell, Department of Regulation & Supervision, National Housing Bank, 4th Floor, Core 5A, India Habitat Centre, Lodhi Road, New Delhi – 110003 It is hereby agreed that for detail terms and conditions of the Loan, the parties hereto shall refer to and rely upon the loan and other security documents executed / to be executed by them. The above terms and conditions have been read by the borrower/s / read over to the borrower,understood and agreed upon borrower/s. Updated till Oct 1, 2020 Schedule of Charges- 110 003.

Grievance Redressal. For any service related issue including obtaining documents or in case of any complaint/grievance, In the Borrower may communicate in writing, orally, electronically through e-mail, website, telephone and modes given below. The Borrower may contact our Office through any of the following channels: • By telephonic communication unlikely event that you are not satisfied with our call centre at 00000000000 (helpline) b/w 9:30 am – 6 pm from Monday services, you can register your grievance for redressal of concern. Grievance Redressal First Level E-mail ID to Friday (Except Public Holidays). • By way of online request - xxxxx://xxx.xxxx.xxx/contact-us/home-loan/raise-a-request • By way of written letter addressed to Customer Service - Home Loans, IIFL Home Finance Ltd, IIFL House, Sun Infotech Park, Road Xx. 00X,Xxxx Xx.X-00, Xxxxx Xxxxxxxxxx Xxxx, Xxxxx Xxxxxx, Thane – 400604 • By way of physically visiting the Service Branch and lodge a complaint in the Complaint Register maintained at our branches In case the response is unsatisfactory or no response is received from above mentioned sources, the complaint may be escalated to: Grievance Redressal Officer at XXX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 Borrower can further escalate xxxxxx.xxxxxx@xxxxxxxxxxxxxxxxxxx.xxx Contact # to lodge the complaint to: Nodal Officer: XX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase0124-IV, Gurgaon, Haryana -122015 4346200 Resolution time 15 working days Second Level E-mail ID to lodge the complaint xxxxxxx@xxxxxxxxxxxxxxxxxxx.xxx Contact # to lodge the complaint 0124-4346200 Resolution time 21 working days In case the complainant is dissatisfied with the response received from IIFL HFL received/ or where no response is received, the Complainant may approach the Complaint Redressal Cell of National Housing Bank by lodging its complaint in online mode at the link xxxxx://xxxxx.xxxxxxxxx.xxx.xx OR in offline mode by post, in prescribed format, available at link to following contact details: Complaint Redressal Cell, Department of Regulation & Supervision, National Housing Bank, 4th Floor, Core 5ACore-5A, India Habitat Centre, Lodhi Road, New Delhi – 110003 Delhi-110003 or E-mail at xxxxxx@xxx.xxx.xx Disclosure: The Company is authorized to disclose from time to time any information relating to the loan to any Credit Bureau (existing or future) approved by Govt of India or any authority as may required from time to time without any notice to the customer. It is hereby agreed that for detail detailed terms and conditions of the Loanloan, the parties hereto shall refer to and rely upon the loan agreement and other security documents executed / executed/ to be executed by them.The details contained in this document may be subject to change as per company policy and in line with the terms contained in the Loan Agreement. The above terms and conditions have been read by the borrower/s / s/ read over to the borrower,borrower by Mr/ Ms ……………………………………………………………………………… ……………………….. of the Company in Borrower(s) vernacular language and have been understood and agreed upon borrowerby the Borrower/s. Updated till Oct 1, 2020 Schedule Signature or thumb impression of Chargesthe Borrower/(s)/ Guarantor(s) Signature & Name of the authorized person SATIN Housing Finance Ltd

Grievance Redressal. For any service related issue including obtaining documents or in case of any complaint/grievance, the Borrower may communicate in writing, orally, electronically through e-mail, website, telephone and modes given below. The Borrower may contact our Office through any of the following channels: • By telephonic communication with our call centre at 00000000000 (helpline) b/w 9:30 am – 6 pm from Monday to Friday (Except Public Holidays). • By way of online request - xxxxx://xxx.xxxx.xxx/contact-us/home-loan/raise-a-request • By way of written letter addressed to Customer Service - Home Loans, IIFL Home Finance Ltd, IIFL House, Sun Infotech Park, Road Xx. 00X,Xxxx Xx.X-00, Xxxxx Xxxxxxxxxx Xxxx, Xxxxx Xxxxxx, Thane – 400604 • By way of physically visiting the Service Branch and lodge a complaint in the Complaint Register maintained at our branches In case the response is unsatisfactory or no response is received from above mentioned sources, the complaint may be escalated to: Grievance Redressal Officer at XXX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 Borrower can further escalate the complaint to: Nodal Officer: XX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 In case the complainant is dissatisfied with the response received from IIFL HFL or where no response is received, the Complainant may approach the Complaint Redressal Cell of National Housing Bank by lodging its complaint in online mode at the link xxxxx://xxxxx.xxxxxxxxx.xxx.xx OR in offline mode by post, in prescribed format, available at link to Complaint Redressal Cell, Department of Regulation & Supervision, National Housing Bank, 4th Floor, Core 5A, India Habitat Centre, Lodhi Road, New Delhi – 110003 It is hereby agreed that for detail terms and conditions of the Loan, the parties hereto shall refer to and rely upon the loan and other security documents executed / to be executed by them. The above terms and conditions have been read by the borrower/s / read over to the borrower,understood and agreed upon borrower/s. Updated till Oct 1Sept 11, 2020 Schedule of Charges

Grievance Redressal. For any service related issue including obtaining documents or in case of any complaint/grievance, the Borrower may communicate in writing, orally, electronically through e-mail, website, telephone and modes given below. The Borrower may contact our Office through any of the following channels: • By telephonic communication with our call centre at 00000000000 (helpline) b/w 9:30 am – 6 pm from Monday to Friday (Except Public Holidays). • By way of online request - xxxxx://xxx.xxxx.xxx/contact-us/home-loan/raise-a-request • By way of written letter addressed to Customer Service - Home Loans, IIFL Home Finance Ltd, IIFL House, Sun Infotech Park, Road Xx. 00X,Xxxx Xx.X-00, Xxxxx Xxxxxxxxxx Xxxx, Xxxxx Xxxxxx, Thane – 400604 • By way of physically visiting the Service Branch and lodge a complaint in the Complaint Register maintained at our branches In case the response is unsatisfactory or no response is received from above mentioned sources, the complaint may be escalated to: Grievance Redressal Officer at XXX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 Borrower can further escalate the complaint to: Nodal Officer: XX@xxxx.xxx, IIFL Tower, 98, Udyog Vihar, Phase-IV, Gurgaon, Haryana -122015 In case the complainant is dissatisfied with the response received from IIFL HFL or where no response is received, the Complainant may approach the Complaint Redressal Cell of National Housing Bank by lodging its complaint in online mode at the link xxxxx://xxxxx.xxxxxxxxx.xxx.xx OR in offline mode by post, in prescribed format, available at link to Complaint Redressal Cell, Department of Regulation & Supervision, National Housing Bank, 4th Floor, Core 5A, India Habitat Centre, Lodhi Road, New Delhi – 110003 It is hereby agreed that for detail terms and conditions of the Loan, the parties hereto shall refer to and rely upon the loan and other security documents executed / to be executed by them. The above terms and conditions have been read by the borrower/s / read over to the borrower,understood and agreed upon borrower/s. Updated till Oct 1, 2020 Schedule of Chargesto