SERVICE AGREEMENT

THIS AGREEMENT is made and executed at _______ on this _____day of _________, 2018.

BY AND BETWEEN Exuberant Systems Pvt Ltd., a Private Limited Company registered at Pune ROC
and having its Registered Office at 2nd Floor, Shree Chambers, Besides Labour Office, Old Mumbai-Pune
Highway, Wakdewadi, Shivajinagar, Pune 411005 (hereinafter referred to as “Exuberant Systems Pvt
Ltd.” which expression shall where the context admits include its successors, assigns and attorneys) of
the One Part

AND

__________________a _________________Company/ Firm having its Registered Office at

_______________ Aged ____________ years (hereinafter referred to as the “Direct Selling Associate
(DSA)” which expression shall include its successors, assigns and attorneys ) of the Other Part

WHEREAS:

EXUBERANT SYSTEMS PVT. LTD. is a company engaged in financial consulting and providing various
financial services to its customers in India and marketing associate of multiple financial institutions for
marketing of their various products and allied services.

AND for the purposes of its business activities, EXUBERANT SYSTEMS PVT. LTD. requires certain vital
and confidential information about the credit worthiness of its prospective customers and also relevant
details about their net worth, business interests, assets, etc. and for the said purpose EXUBERANT
SYSTEMS PVT. LTD. is desirous of appointing a Service Provider to provide the necessary required
information to EXUBERANT SYSTEMS PVT. LTD..

EXUBERANT SYSTEMS PVT. LTD. is engaged in business interalia providing various financial
consulting to its customers in India.

EXUBERANT SYSTEMS PVT. LTD. requires direct marketing associates for marketing of its products
and services listed in Annexure 1 annexed hereto (herein referred to as “Products and Services”) in the
city (ies)/ state(s) mentioned in Annexure 2 annexed hereto (herein referred to as the “Territory”) for the
purpose of canvassing the Products and Services and introducing potential customers to EXUBERANT
SYSTEMS PVT. LTD. in the manner specified under this Agreement.

The DSA has represented and offered to EXUBERANT SYSTEMS PVT. LTD. that it has the necessary
skill, experience, expertise and infrastructure to act as the Direct Selling Associate of EXUBERANT
SYSTEMS PVT. LTD. to market the Products and Services, within the Territory.

AND EXUBERANT SYSTEMS PVT. LTD., based on the representations made by the DSA, has
accepted the said offer and hereby engages the DSA as its Direct Selling Associate, to market the
Products and Services within the Territory, on a non-exclusive basis and subject to the terms and
conditions contained hereunder;

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NOW THEREFORE THIS AGREEMENT WITNESSETH AND IT IS HEREBY AGREED BY AND
BETWEEN THE PARTIES HERETO AS UNDER:

1. SCOPE:

EXUBERANT SYSTEMS PVT. LTD. hereby engages the DSA as its Direct Selling Associate, on a non-
exclusive basis, to market and canvass the Products and Services to potential customers and to
introduce potential customers to EXUBERANT SYSTEMS PVT. LTD., within the Territory.

2. TENURE OF THE AGREEMENT

This Agreement shall come into force on ______’2018 and shall continue unless terminated earlier.
Notwithstanding this either party hereto can terminate the agreement by giving one month notice in
writing to the other party.

3. DUTIES AND RESPONSIBILITIES OF THE DSA

3.1 DSA shall increase the business of EXUBERANT SYSTEMS PVT. LTD. and to represent the
interest of EXUBERANT SYSTEMS PVT. LTD. properly through systematic canvassing,
marketing of the Products and Services to potential customers within the Territory and assisting
EXUBERANT SYSTEMS PVT. LTD. in schemes for publicising the activities of EXUBERANT
SYSTEMS PVT. LTD., as and when required by EXUBERANT SYSTEMS PVT. LTD.. The DSA
shall introduce the potential customers to EXUBERANT SYSTEMS PVT. LTD. to enable the
customers to enter into agreements directly with EXUBERANT SYSTEMS PVT. LTD..
3.2 DSA shall provide such assistance and support to EXUBERANT SYSTEMS PVT. LTD. during
advertising campaigns, mailers, loan melas or any such other promotional activities, as and when
so required by EXUBERANT SYSTEMS PVT. LTD..
3.3 The DSA shall assist EXUBERANT SYSTEMS PVT. LTD. in completing the documentation and
other security arrangements between EXUBERANT SYSTEMS PVT. LTD. and the customers.
3.4 The DSA shall also be responsible, as and when requested by EXUBERANT SYSTEMS PVT.
LTD., to assist EXUBERANT SYSTEMS PVT. LTD. in recoveries of outstanding dues from
defaulting customers, if any, in the manner as required by EXUBERANT SYSTEMS PVT. LTD. in
writing from time to time.
3.5 The DSA shall abide by the Code of Conduct, Ethics and Business Principles (“the Code”) as
prescribed by EXUBERANT SYSTEMS PVT. LTD. from time to time. The present Code is
reproduced below which may be modified by EXUBERANT SYSTEMS PVT. LTD. at its sole
discretion.

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CODE OF CONDUCT, ETHICS AND BUSINESS PRINCIPLES FOR DIRECT SELLING
ASSOCIATES OF “EXUBERANT SYSTEMS PVT. LTD.”

The purpose of this Code is to emphasize the sense of responsibility among DSAs of EXUBERANT
SYSTEMS PVT. LTD., and among their sales staff/ representation and to encourage the highest level
of ethical business conduct among all participants in the direct selling industry.
DSA must adhere to strict Codes of Conduct in their dealings with consumers and their
representatives, sales staff and independent sales contractors. These provisions include:

1. DSA and its sales staff/ representatives shall commit themselves to the high standards of
ethical conduct and standards in their dealings with consumers and shall abide by the spirit
and letter of this code. DSA shall conform to the principles of fair competition as generally
accepted in business and law, particularly concerning:

The methods and approach used to market EXUBERANT SYSTEMS PVT. LTD.’s products and
services as agreed with EXUBERANT SYSTEMS PVT. LTD.; The methods of presentation and
demonstration of the product and services

The information on the product to be given to the customer.

The methods and approach used to recruit sales staff, their efforts and
obligations to train and educate;
Their sales staff;
Their general approach to and treatment of customers in the direct selling
industry.

2. DSA shall not engage in any deceptive, fraudulent, unlawful, illegal or unethical practice. DSA
shall ensure that no statements, promises or testimonials are made which are likely to mislead
EXUBERANT SYSTEMS PVT. LTD. / customers.

3. DSA shall truthfully identify themselves, their company, the products and services of
EXUBERANT SYSTEMS PVT. LTD. and the purposes of their solicitation to the prospective
customer.

4. The terms of the offer of products or services by the DSA shall be clear, so that the customer
may know the exact nature of what is being offered and the commitment involved in the availing
or accepting the offer and, in particular, DSA shall be accurate and truthful as to any
representation or offer made. DSA shall make every effort to assist the customer to evaluate the
nature of the products and services. DSA shall be organized and operated so as not to:

Create confusion in the mind of the customer, or

Abuse the trust of the customer, or
Exploit the lack of experience and knowledge of the customer.

5. DSA shall give sufficient time for the customer to read the entire contract form thoughtfully and
without harassment. Where DSA sales staff notice the consumer has difficulty understanding the
real meaning of clauses in the contract or of any aspect of the offer or sale in general, they shall,
wherever possible provide the required explanations, or allow the consumer time to obtain other
assistance for proper understanding prior to the signing of the order or contract. The
demonstration or explanation of the product shall, as far as possible, be responsive to the needs
of the individual consumer.

6. DSA shall not make statements nor condone statements, by inaction or otherwise, of any of its
customers that contain false, misleading, unwarranted or exaggerated
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 claims, either directly or by implication. For example, if a competitors name or product is used, it
shall be used only in the context of a factual comparison and significant terms of value.

7. DSA shall not be intrusive and shall respect the privacy of the customers. Contact (whether
personal or by telephone) with the customer shall be made in a reasonable manner and during
reasonable hours to avoid intrusiveness. A contact, demonstration or presentation shall be
discontinued immediately upon the request of the customer. The right of the customer to refuse
further discussion shall be scrupulously respected. DSA shall abide by the code of conduct for
DSA as attached hereto.

8. To guide DSA’s sales staff or representatives in dealing with the consumer, and with each other,
DSA shall make available to their sales staff or representative the Code of conduct. DSA shall
ensure that each of its sales staff or representatives becomes familiar and complies with the
contents of these Codes.

9. In the event any customer shall complain that the sale staff or representative of the DSA offering
the products or services of EXUBERANT SYSTEMS PVT. LTD. has engaged in any improper
course of conduct pertaining to marketing of the products or services, the DSA shall promptly
investigate the complaint and shall take such steps as it may find appropriate and necessary
under the circumstances to cause the redress of any wrongs which its investigation discloses to
have been committed. DSA will be considered responsible for code violations or breaches by its
sales staff or representatives.

10. DSA shall commit to abide by all applicable laws, rules and regulations. Notable among DSA,
however, is the belief that all business dealings must be carried out at a level well above the
minimum required by law. Integrity and customer satisfaction shall be the two most valued
objectives of the DSA.

11. DSA or its Sales staff/ representatives shall not do anything or refrain from doing something
that would be detrimental to or against the interest of EXUBERANT SYSTEMS PVT. LTD..

12. A prospect (a prospective customer) is to be contacted for sourcing a Bank related product only
under the following circumstances:

When prospect has expressed a desire to acquire a product through EXUBERANT

SYSTEMS PVT. LTD.’ Internet site/cell center/Branch or though the Relationship
Manager at EXUBERANT SYSTEMS PVT. LTD. or has been referred to by another
prospect/customer or is an existing customer of EXUBERANT SYSTEMS PVT. LTD.
who has given consent for accepting calls on other products of EXUBERANT SYSTEMS
PVT. LTD..

When the prospect’s name/telephone no/address is available & has been taken from
one of the lists/directories/databases approved by the DSA Manager/Team leader, after
taking his/her consent.
DSA should not call a person whose name/ number is flagged in any “do not disturb” list
made available to him/her.
Telephonic contact must normally be limited between 0930 Hrs and 1900 Hrs. However,
it may be ensured that a prospect is contacted only when the call is not expected to
inconvenience him/her.
Calls earlier or later than the prescribed time period may be placed only under the
following conditions.
When the prospect has expressly authorized DSA to do so either in writing or orally.

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 13. DSA should respect a prospect’s privacy. The Prospect’s interest may normally be discussed
only with the prospect and any other individual/family member such as prospect’s
accountant/secretary/spouse, authorized by the prospect.

14. Calls must first be placed to the prospect. In the event the prospect is not available, a message
may be left for him/her. The aim of the messages should be to get the prospect to return the
call or to check for a convenient time to call again. Ordinarily, such messages may be restricted
to:
“Please leave a message that XXXXXX (Name of officer) representing
EXUBERANT SYSTEMS PVT. LTD. called and requested to call back at XXXXXX
(Phone number)”.
15. As a general rule, the message must indicate:
That the Purpose of the call is regarding selling or distributing a bank product
of EXUBERANT SYSTEMS PVT. LTD.,
16. DSA should not –
Mislead the Prospect on any service / product offered;
Mislead the prospect about their business or organization or falsely represent
them.
Make any false /unauthorized commitment on behalf of EXUBERANT
SYSTEMS PVT. LTD. for any facility/service.

17. Telemarketing Etiquettes

PRE CALL
No calls prior to 0930 Hrs or post 1900 HRS unless specifically requested.

No serial dialing
No calling on lists unless is cleared by team leader
DURING CALL
Identify itself, its company and its principal
Request permission to proceed
If denied permission, apologize and politely disconnect. State
reason for the call
Always offer to call back on landline, if call is made to a cell number

Never interrupt or argue

To the extent possible, talk in the language which is most comfortable to the
prospect
Keep the conversation limited to business matters
Check for understanding of “Most Important Terms and Conditions” by the
customer if he plans to buy the product
Reconfirm next call or next visit details
Provide telephone no, supervisor’s name or Bank officer contact details if
asked for by the customer.
Thank the customer for his/her time

POST CALL
- Customers who have expressed their lack of interest for the offering should not
be called for the next 3 months with the same offer
- Provide feedback to EXUBERANT SYSTEMS PVT. LTD. on customers who
have expressed their desire to be flagged “Do Not Disturb”
- Never call or entertain calls from customers regarding products already sold.

Advise them to contact the Customers Services Staff of EXUBERANT

SYSTEMS PVT. LTD..

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 18. DSA must not accept gifts from prospect or bribes of any kind. Any DSA offered a bribe or
payment of any kind by a customer must report the offer to his/her management and
EXUBERANT SYSTEMS PVT. LTD..

19. Precautions to be taken on visits/ contacts.

DSA should:
• Respect personal space- maintain adequate distance from the prospect.
• Not enter the prospect’s residence/office against his/her wishes:
• Not visit in large numbers- i.e. not more than one DSA and one supervisor if
required.
• Respect the prospect’s privacy.
• If the prospect is not present and only family member/office persons are present at
the time of the visit, he/she should end the visit with a request for the prospect to call
back.
• Provide his/her telephone number, supervisor’s name or the concerned bank
officer’s contact details, if asked for by the customer.
• Limit discussions with the prospect to the business – Maintain a professional
distance.

20. Appearance & Dress Code

DSA must be appropriately dressed-For
men this means
- Well ironed trousers
- Well ironed shirt, Shirt sleeves preferably buttoned down.

For women this means

- Well ironed formal attire (Saree, Suit etc.,)
- Well groomed appearance.

Jeans and/or T Shirt, open sandals are not considered appropriate.

Any communication sent to the prospect by the DSA should be only in the mode and format
approved in writing by EXUBERANT SYSTEMS PVT. LTD..

3.4 The DSA shall ensure that its/her/his sales staff and representatives shall comply with the Code
and all obligations of the DSA contained in this Agreement.

3.5 The DSA shall not make any unauthorised statements, claims, warranties or
representations concerning EXUBERANT SYSTEMS PVT. LTD. or its Products and
Services.

3.6 The DSA shall not have any power to enter into any contracts or agreements directly with the
customers and such contracts in respect of any Product or Services shall be entered into only by
EXUBERANT SYSTEMS PVT. LTD. and it's banking partners. Canvassing to the prospective
customers shall be done on the terms and conditions which EXUBERANT SYSTEMS PVT. LTD.
stipulate from time to time and EXUBERANT SYSTEMS PVT. LTD. shall not be bound by any
representations of any benefits that the DSA may make or have made to the prospective
customers on behalf of EXUBERANT SYSTEMS PVT. LTD. or it's banking partners. The DSA
shall not deal with the customers of EXUBERANT SYSTEMS PVT. LTD. for promoting any other
product / service other than the product / service authorised by EXUBERANT SYSTEMS PVT.
LTD..

3.7 The DSA shall submit all such documents/papers to EXUBERANT SYSTEMS PVT. LTD. that he has
collected from the prospective customer. The DSA shall not insist for any such document from

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 the customer which is not required as per the policy document of EXUBERANT SYSTEMS PVT.
LTD. or it's banking partners or specially instructed for processing of the proposal.

3.8 The DSA shall not collect any payment from the customer on behalf of EXUBERANT SYSTEMS
PVT. LTD. or it's banking partners. Payments made by the customer towards advance processing
fee or any other charges shall be collected only by an employee of EXUBERANT SYSTEMS PVT.
LTD. or it's banking partners under due acknowledgement to the customer.

3.9 It is clearly understood by the DSA that the DSA is not authorised to:
- Hold out any promises to applicants or guarantees of acceptance of their applications for any
facility, Product or Service by EXUBERANT SYSTEMS PVT. LTD. or it's banking partners.

- Collect/ levy any fees and/ or other monies from applicants, except in cases where the DSA is
specifically authorised by EXUBERANT SYSTEMS PVT. LTD. or it's banking partners to do so.

3.10 The DSA shall not appoint any Sub-DSA or otherwise transfer any of its rights and obligations under
this Agreement to any third party, unless with the prior written consent of
EXUBERANT SYSTEMS PVT. LTD..

3.11 The DSA shall also submit its financial statements, reports, information, data, documents etc.,
periodically and in the manner and when required by EXUBERANT SYSTEMS PVT. LTD..

3.12 The DSA shall mandatorily make use of EXUBERANT SYSTEMS PVT LTD's proprietary CRM
(Customer Relationship Management) software to manage their business.

3.13 The DSA shall regularly update their leads' progress in the CRM for EXUBERANT SYSTEMS PVT.
LTD. to track and measure their performance.

3.14 The DSA shall be liable to pay a monthly fee for using EXUBERANT SYSTEMS PVT. LTD.' CRM as
described in Annexure 4 of this agreement.

3.15 The DSA shall not share the leads passed to him/her by EXUBERANT SYSTEMS PVT. LTD. with
anyone outside the CRM unless explicitly told to do so in writing by EXUBERANT SYSTEMS PVT. LTD..

4. EXUBERANT SYSTEMS PVT. LTD.’ DISCRETION TO REJECT -

EXUBERANT SYSTEMS PVT. LTD. may, at its absolute discretion, accept or reject any proposal or
introduction made by the DSA and the decision of EXUBERANT SYSTEMS PVT. LTD. in this regard
shall be final. All proposals generated by the DSA in the course of increasing the business of
EXUBERANT SYSTEMS PVT. LTD. will only be referred to EXUBERANT SYSTEMS PVT. LTD..

5. CONSIDERATION PAYABLE BY EXUBERANT SYSTEMS PVT. LTD. TO THE DSA -

5.1 As consideration for the services performed by the DSA, EXUBERANT SYSTEMS PVT. LTD. shall
pay to the DSA, commission at the rate specified in the Annexure 3 annexed hereto, this rate may
vary from time to time. The said commission payable to the DSA shall be paid by EXUBERANT
SYSTEMS PVT. LTD. subsequent to the disbursement made either directly to the customer or to the
dealer/ manufacturer, etc. on behalf of the customer. No other amounts shall be payable to the DSA.
EXUBERANT SYSTEMS PVT. LTD. shall not be liable to pay commission in the case where the
application of the customer has been rejected. The DSA shall not question or raise any disputes in
respect of the rejection of the application by EXUBERANT SYSTEMS PVT. LTD..

5.2 a) Further, the discretion to pay or not of any incentives over and above the actual commissions
agreed by EXUBERANT SYSTEMS PVT. LTD. shall be solely with EXUBERANT SYSTEMS PVT.
LTD..

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 b) It is clearly understood by the DSA that the DSA shall not be entitled to any incentive under this
unless the loan amount disbursed by EXUBERANT SYSTEMS PVT. LTD. to the customers/ dealers/
manufacturers, introduced by the DSA to EXUBERANT SYSTEMS PVT. LTD. in each particular
month is greater than the minimum monthly target amount that will be indicated in writing every
quarter by EXUBERANT SYSTEMS PVT. LTD. to the Associate under the scheme.

c) The DSA shall raise its bill using EXUBERANT SYSTEMS PVT. LTD.' CRM software on a monthly
basis. All payments shall be made by EXUBERANT SYSTEMS PVT. LTD. to the Associate only after
due verification/ clarification of each such bill. EXUBERANT SYSTEMS PVT. LTD. reserves the right
to hold the commission payable to DSA if the accounts sourced by DSA become Non Performing
Asset (NPA) within 12 months from the date of disbursement.

d) All payments due to the DSA will be paid, on a monthly basis, only after completion of all post-
disbursal documentation, and formalities with the customer, as required by EXUBERANT SYSTEMS
PVT. LTD..

e) EXUBERANT SYSTEMS PVT. LTD. will only pay commissions to the DSA for the products and
services sold using EXUBERANT SYSTEMS PVT. LTD.' DSA code.

6. PERSONNEL/ EMPLOYEES/ SALES STAFF ENGAGED BY THE DSA -

6.1 The DSA shall have sufficient number of personnel/staff to perform and carry out the obligations of
the DSA under this Agreement. The DSA shall maintain full details pertaining to such personnel
employed/ engaged by the DSA and shall provide it to EXUBERANT SYSTEMS PVT. LTD., as and
when required by EXUBERANT SYSTEMS PVT. LTD..

6.2 The DSA shall supervise the activities of such sales staff and representatives. It is clearly understood
and agreed that the DSA shall be solely responsible and liable in all respects for its
employees/personnel/sales staff including for any breach violation of the terms contained herein or
for any acts of omission or commission by them. No responsibility and/ or liability for any such
employees and/ or personnel shall attach to EXUBERANT SYSTEMS PVT. LTD. at any time,
including any responsibility and/ or liability for any payments and claims including wages and
benefits of such employees, personnel and sales staff. The DSA shall be solely responsible for
payment of remuneration and compliance with applicable labour enactments with respect to such
sales staff and representatives.

7. DSA TO COMPLY WITH LAW AND INSTRUCTIONS OF EXUBERANT SYSTEMS PVT. LTD. –

7.1 The DSA shall always act in conformity with all applicable laws, rules and regulations and all
instructions, (general, specific or special) as and when provided to the DSA by EXUBERANT
SYSTEMS PVT. LTD.. These instructions may be amended, added, modified or revised by
EXUBERANT SYSTEMS PVT. LTD. from time to time and shall be communicated to the DSA
who shall comply with them. It shall be the responsibility of the DSA to convey the instructions/
guidelines and the amendments, additions, modifications, revisions as the case may be to its
employee, staff and personnel and ensure that they are strictly adhered to.

7.2 The DSA and its staff, employee and personnel shall always act strictly as per law and without
violating any law and secure the best interest of EXUBERANT SYSTEMS PVT. LTD.. If he or
she or they so desire they may seek further clarifications from EXUBERANT SYSTEMS PVT.
LTD. on all or any particular matter or transaction.

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8. INTELLECTUAL PROPERTY RIGHTS OF EXUBERANT SYSTEMS PVT. LTD. -

8.1 All intellectual property rights, including without limitation trademarks, trade name, service marks,
logo, copyrights, advertising copy, material, graphics, software etc., will remain the sole property
of EXUBERANT SYSTEMS PVT. LTD.. On a case to case basis, EXUBERANT SYSTEMS PVT.
LTD. may, at its absolute discretion, permit the use of its name and logo on the business cards
and other stationery materials used by the DSA. However, the usage of EXUBERANT
SYSTEMS PVT. LTD.’s name and logo shall be solely for the purposes described in this
agreement and will be subject to express prior written approval of EXUBERANT SYSTEMS PVT.
LTD. and on the terms stipulated by EXUBERANT SYSTEMS PVT. LTD.. It is specifically made
clear to the DSA that such usage of the name and logo by the DSA shall not create any right,
title or interest in respect of the name, logo or intellectual property in favour of the DSA.

8.2 The Associate shall not:

8.2.1 do or omit to do any act or thing which may in the opinion of EXUBERANT SYSTEMS
PVT. LTD. bring the name of EXUBERANT SYSTEMS PVT. LTD. or their corporate
logo/brand image into disrepute or which may damage, conflict with or is detrimental to
the interests of EXUBERANT SYSTEMS PVT. LTD.;

8.2.2 make statement, representation or claim and shall give no warranty to any person in
respect of the products save as may be specifically authorized in writing EXUBERANT
SYSTEMS PVT. LTD. ;

8.2.3 at any point of time collect cash /instruments from the prospective customers of
EXUBERANT SYSTEMS PVT. LTD. or represent EXUBERANT SYSTEMS PVT. LTD. in
any form whatsoever.
8.2.4 The DSA shall use the letter-head, invoices, signs boards, signage, display materials,
literature and other items (collectively “Materials”) containing the name and logo of
EXUBERANT SYSTEMS PVT. LTD. only as approved in writing by EXUBERANT
SYSTEMS PVT. LTD. and only in connection with this Agreement. Immediately upon
termination of this Agreement, DSA shall desist from using such Materials and return to it
to EXUBERANT SYSTEMS PVT. LTD. forthwith.

9. PROHIBITION OF USING PHYSICAL FORCE OR CAUSING INJURY TO PERSONS OR

PROPERTIES -

Notwithstanding anything to the contrary contained elsewhere in this Agreement or any

instructions/ guidelines given by EXUBERANT SYSTEMS PVT. LTD. in respect of any type of
work/ assignment/ case that may be referred to by EXUBERANT SYSTEMS PVT. LTD. to the
DSA under this Agreement, the DSA, their personnel/ employees or any other person acting on
behalf of or at the behest of the DSA shall not use any physical force and/ or cause injury either
to the customer(s) of EXUBERANT SYSTEMS PVT. LTD. and/ or to any other person or
property during the course of the execution of any obligation/ job/ task/ work referred to the DSA
for any reason whatsoever including any provocation by any person.

10. DOCUMENTS TO BE RETURNED BY DSA ON THE EVENT OF TERMINATION –

In the event of termination of this Agreement in accordance with the provisions of this Agreement
by either party for any reason whatsoever, the DSA shall forthwith return to EXUBERANT
SYSTEMS PVT. LTD. all Materials, documents/ papers/ monies/ authorization letters/ properties
of EXUBERANT SYSTEMS PVT. LTD.. The DSA shall be responsible and liable for any loss or
damages caused by not returning Materials or documents/ papers/ monies/ authorization letters/
properties of EXUBERANT SYSTEMS PVT. LTD. forthwith on termination of this Agreement.
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11. INSPECTION AND OFFICE SPACE -

EXUBERANT SYSTEMS PVT. LTD. or its duly authorised representatives shall be entitled to
enter upon the office premises of the DSA at all reasonable times during the working hours of the
Office of the DSA for viewing, obtaining and inspection of the records in the office premises. The
DSA shall provide office space and furniture and make available records to EXUBERANT
SYSTEMS PVT. LTD. for use by any officer or authorised representative of EXUBERANT
SYSTEMS PVT. LTD. at all times during the tenure of this Agreement.

12. NON-EXCLUSIVITY -

The DSA understands and hereby acknowledges that this Agreement entered into between
EXUBERANT SYSTEMS PVT. LTD. and the DSA does not provide any exclusive right to the
DSA to get contract jobs from EXUBERANT SYSTEMS PVT. LTD. and that EXUBERANT
SYSTEMS PVT. LTD. is free to engage as many direct selling associate(s) or agents, whether
similar or otherwise, and enter into agreements with any other person/ firm/ company as may be
deemed fit by EXUBERANT SYSTEMS PVT. LTD..

13. RELATIONSHIP -
13.1 This Agreement shall be governed by the specific provisions to the agency as laid down in the
Indian Contract Act and nothing contained in this Agreement or any instructions/ guidelines that
may be issued by EXUBERANT SYSTEMS PVT. LTD. from time to time shall be construed to
create any relationship of joint venture, partnership, Master and Servant or Employer and
Employee as between EXUBERANT SYSTEMS PVT. LTD. on the one hand and the DSA on the
other or between either party hereto and the employees/staff/personnel of the other party. The
parties understand clearly and agree that this Agreement covers only specific jobs to be carried/
performed by the DSA.

13.2 The DSA and its/his/her Personnel/employee/staff shall not be entitled by act, word, deed or
otherwise to make any statement on behalf of EXUBERANT SYSTEMS PVT. LTD. nor in any
manner to bind EXUBERANT SYSTEMS PVT. LTD. or to hold out or represent that the
Associate / the Personnel is acting as an employee of EXUBERANT SYSTEMS PVT. LTD.. The
activities of the Associate and the Personnel shall not be construed to be that of EXUBERANT
SYSTEMS PVT. LTD..

13.3 The DSA undertakes to ensure that its/his/her Personnel/employee/staff will have no claim
whatsoever against EXUBERANT SYSTEMS PVT. LTD. and shall not raise any industrial
dispute either directly or indirectly, with EXUBERANT SYSTEMS PVT. LTD. in respect of any of
their service conditions or otherwise.

14. INDEMNITY -

14.1 The DSA shall indemnify EXUBERANT SYSTEMS PVT. LTD. and keep EXUBERANT
SYSTEMS PVT. LTD. fully indemnified and harmless against any loss, claim, action, proceeding,
damages, expense or cost that any customer or any other person whomsoever may make
against EXUBERANT SYSTEMS PVT. LTD. in respect of any breach, violation, act of omission
or commission by the DSA or its employee(s), staff, personnel or representative(s) under this
Agreement and/ or any instructions that may be given by EXUBERANT SYSTEMS PVT. LTD. to
DSA.

14.2 The DSA shall indemnify and keep EXUBERANT SYSTEMS PVT. LTD. fully indemnified and
harmless against any loss, action, proceeding, damages, expense, cost, claim or damages that
any customer or any other person whatsoever may make against EXUBERANT SYSTEMS PVT. LTD.

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Or
even that which Exuberant Systems Pvt Ltd may suffer by reason of misuse by DSA or its
personnel/staff/employee of the authority given to the DSA hereunder.

15. CONFIDENTIALITY –

15.1 The DSA shall maintain all data, facts and information which the DSA and/or its/his/her
Personnel/ employee/ staff may come to know or receive under this Agreement, whether orally
or in writing or electronic form, in strict confidence and shall not disclose it to any person,
individual or entity. Confidential Information shall mean all information relating to EXUBERANT
SYSTEMS PVT. LTD., its, affiliates, products and services etc., which is not in the public
domain. All communications between the parties or any of them and all information and other
material supplied to or received by or sent by the DSA from or to EXUBERANT SYSTEMS PVT.
LTD. and/ or any information concerning the business transaction coming to the knowledge of
the DSA and/ or the confidential relationship between EXUBERANT SYSTEMS PVT. LTD. and
the DSA under this Agreement shall be kept confidential by the DSA and by the employee, staff,
representative, personnel and any other person engaged by the DSA, unless it is absolutely
essential for the DSA to disclose them with the prior specific approval of the Bank.

15.2 The DSA undertakes and will ensure that its/his/her Personnel/ employee/ staff undertakes that
the Confidential Information shall be kept secret at all times and shall not be disclosed at any
time, in whole or in part, to any person or used for any purpose other than strictly for the
performance of the DSA’s obligations hereunder, that it / they shall take all necessary action to
protect the Confidential Information against misuse, loss, destruction deletion and alteration and
shall limit access to the Confidential Information to only such of its/his/her Personnel/ employee/
staff who need to know the same to fulfil the DSA’s obligations.

15.3 The DSA irrevocably agrees and undertakes that it shall not and ensure that its
Personnel, employee or staff shall not:

15.3.1 make or have made nor retain any copy or record howsoever created (including
duplicate copy, photocopy, facsimile, magnetic copy, etc.) of any of the Confidential
Information disclosed or submitted other than as may be required for the performance
of the DSA’s obligations under this Agreement;

15.3.2 use or permit the use of the Confidential Information in any way which may be harmful
to or against the best interests of EXUBERANT SYSTEMS PVT. LTD. or its
customers;

15.3.3 Commercially exploit the Confidential Information nor use the Confidential Information
for economic or other benefits, either directly or indirectly.

15.4 The DSA hereby agrees to notify EXUBERANT SYSTEMS PVT. LTD. promptly of any
unauthorized or improper use or disclosure of the Confidential Information.

15.5 DSA shall ensure to forthwith inform EXUBERANT SYSTEMS PVT. LTD. in the event any of its
staff, employee, personnel or representative is transferred, shifted or changed or if the
employment/services of such staff, employee, personnel or representative is terminated.

15.6 The DSA hereby unconditionally undertakes and shall ensure that its Personnel, staff and
employees, not to disclose or publish the existence of the terms or conditions of this Agreement
to any third party unless such disclosure or publication is strictly required by law.

11 / 20
16. CONSEQUENCES OF FRAUD/BREACH -

The DSA hereby acknowledge that in the event of any fraud, misrepresentation, gross
negligence, willful misconduct and violation of any provision of this Agreement on the part of
DSA, then in such case EXUBERANT SYSTEMS PVT. LTD. shall recover the amount of loss
and damage that EXUBERANT SYSTEMS PVT. LTD. or its associate bank may suffer as a
result of above activities from the DSA/Associate Partner.

Nothing contained herein shall restrict the rights of EXUBERANT SYSTEMS PVT. LTD. to
pursue any other remedy at law or in equity with respect to such activities.

The DSA/ Associate shall be entirely responsible for any wilful fraud or misrepresentation.

17. ASSIGNMENT -

The DSA shall not assign any of her/his/its rights and obligations hereunder to any person or
party without the explicit prior written consent of EXUBERANT SYSTEMS PVT. LTD. in this
regard.

18. NOTICE IN WRITING -

Any notice by either party to the other party shall be in writing and delivered at the address of the
other party given herein below.

Address of EXUBERANT SYSTEMS PVT. LTD.:

2nd Floor, Shree Chambers, Besides Labour Office, Old Mumbai-Pune Highway,
Wakdewadi, Shivajinagar, Pune 411005
Address of the DSA:

_________________________________________________________________________________________

19. NO DEEMED WAIVER -

Any forbearance, waiver or failure of EXUBERANT SYSTEMS PVT. LTD. to insist upon the
performance of any provision of this Agreement shall not constitute a waiver by EXUBERANT
SYSTEMS PVT. LTD. of any subsequent breach nor shall such waiver prejudice, affect or
restrict the rights of EXUBERANT SYSTEMS PVT. LTD. hereunder.

20. GUARANTEE OF THE PERFORMANCE -

The DSA declares and represents that they have requisite powers and authority to fulfill their
obligations set out in the Agreement, and guarantee due performance under this Agreement.
21. AMENDMENT & ENTIRE AGREEMENT -

This Agreement represents the entire agreement between the parties in respect of the subject
matter hereof and shall be modified, amended or varied only in writing by a note of amendment
signed by both parties in this regard. This Agreement

12 / 20
16. CONSEQUENCES OF FRAUD/BREACH -

The DSA hereby acknowledge that in the event of any fraud, misrepresentation, gross
negligence, willful misconduct and violation of any provision of this Agreement on the part of
DSA, then in such case EXUBERANT SYSTEMS PVT. LTD. shall recover the amount of loss
and damage that EXUBERANT SYSTEMS PVT. LTD. or its associate bank may suffer as a
result of above activities from the DSA.

Nothing contained herein shall restrict the rights of EXUBERANT SYSTEMS PVT. LTD. to
pursue any other remedy at law or in equity with respect to such activities.

The DSA shall be entirely responsible for any wilful fraud or misrepresentation.

17. ASSIGNMENT -

The DSA shall not assign any of her/his/its rights and obligations hereunder to any person or
party without the explicit prior written consent of EXUBERANT SYSTEMS PVT. LTD. in this
regard.

18. NOTICE IN WRITING -

Any notice by either party to the other party shall be in writing and delivered at the address of the
other party given herein below.

Address of EXUBERANT SYSTEMS PVT. LTD.:

2nd Floor, Shree Chambers, Besides Labour Office, Old Mumbai-Pune Highway,
Wakdewadi, Shivajinagar, Pune 411005

Address of the DSA:

_________________________________________________________________________________________

19. NO DEEMED WAIVER -

Any forbearance, waiver or failure of EXUBERANT SYSTEMS PVT. LTD. to insist upon the
performance of any provision of this Agreement shall not constitute a waiver by EXUBERANT
SYSTEMS PVT. LTD. of any subsequent breach nor shall such waiver prejudice, affect or restrict
the rights of EXUBERANT SYSTEMS PVT. LTD. hereunder.

20. GUARANTEE OF THE PERFORMANCE -

The DSA declares and represents that they have requisite powers and authority to fulfill their
obligations set out in the Agreement, and guarantee due performance under this Agreement.
21. AMENDMENT & ENTIRE AGREEMENT -
This Agreement represents the entire agreement between the parties in respect of the subject
matter hereof and shall be modified, amended or varied only in writing by a note of amendment
signed by both parties in this regard. This Agreement

13 /20
supersedes all prior agreements, understanding and negotiations, whether oral or written between the
parties hereto in respect of the subject matter hereof.

22. TERMINATION -

22.1 This Agreement if not renewed shall stand terminated on the expiry of the tenure of this
Agreement as specified under clause 2 hereof , unless the term has been extended for further
period(s) by mutual consent of the parties hereto by giving one month's notice in writing prior to
the expiry hereof or earlier termination hereof as hereinafter provided.

22.2 This Agreement may be terminated by either party at any time by issuing to the other party, thirty
days notice in writing, without assigning any reasons therefore.

Provided however, any rights and/ or obligations including any obligation to make payment/s
that may have become due, of both parties prior to the date of receipt of the notice of
termination of this Agreement by EXUBERANT SYSTEMS PVT. LTD. shall not be prejudiced
and such rights and obligations shall be enforceable inspite of the termination of this
Agreement.

23. EXUBERANT SYSTEMS PVT. LTD. may terminate this Agreement immediately at any time
hereafter on the happening of any one or more of the following events:

a) The DSA becoming incapable of carrying out the terms of this Agreement or its duties
hereunder;
b) The DSA becoming bankrupt or make composition with its Creditors or go into
liquidation either voluntary or Compulsory, or should its position at any time be such that.
In the opinion of EXUBERANT SYSTEMS PVT. LTD. it is inexpedient for the DSA to
Continue to act as direct selling associate;
c) Any execution or injunction being levied or ordered upon the DSA's goods or property.

d) The DSA or any of its staff, employee, personnel or Representative committing a

violation or breach of any of the Terms and conditions stipulated in this Agreement.

e) The DSA misrepresenting EXUBERANT SYSTEMS PVT. LTD. or it's banking partners
or do any such act or deed which is detrimental to the interest of EXUBERANT
SYSTEMS PVT. LTD. or it's banking partners.
DSA shall be solely responsible for the conduct, acts of omission or commission of its staff, employee,
personnel or representative.

24. CONSEQUENCES OF TERMINATION -

24.1 Upon the termination or expiration of this agreement for any reason, the DSA shall:

1. Immediately cease to operate as DSA and not hold itself in any way as Direct Selling
Associate of EXUBERANT SYSTEMS PVT. LTD., and refrain from any action that would
or may indicate any relationship between it and EXUBERANT SYSTEMS PVT. LTD..

2. Return to EXUBERANT SYSTEMS PVT. LTD., forthwith all Material, documents,

confidential information, statements and all other property of EXUBERANT SYSTEMS
PVT. LTD..

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24.2 The expiration or termination of this Agreement shall be without prejudice to the accrued rights of
EXUBERANT SYSTEMS PVT. LTD..
25. ARBITRATION AND JURISDICTION -

25.1 All disputes and / or claims and / or questions whatsoever which shall arise during the
continuance of this Agreement or afterwards either between the parties hereto or their respective
representatives touching these presents, or the construction or application thereof, or any clause
or thing herein contained, or any account or liability between the parties hereto, or as to any act,
deed or omission of any party hereto in any way relating to these presents, shall be referred to
arbitration to be conducted in accordance with the rules of arbitration and conciliation of the
Arbitration and Conciliation Act, 1996 or any law pertaining to domestic arbitration as prevailing
and in force at the time of such dispute/claim or question. The proceedings of such arbitration
shall be held at Pune.

25.2 All legal proceedings shall be subject to the exclusive jurisdiction of the Courts at Pune.

26. SEVERABILITY -

The invalidity or unenforceability of any provisions of this Agreement in any jurisdiction shall not
effect the validity, legality or enforceability of the remainder of this Agreement in such jurisdiction
or the validity, legality or enforceability of this Agreement, including any such provision, in any
other jurisdiction, it being intended that all rights and obligations of the Parties hereunder shall be
enforceable to the fullest extent permitted by law.

27. COUNTERPARTS -

This Agreement has been signed in as many counterparts as are necessary, each of which shall
be deemed to be an original.

28. HEADINGS
The headings herein are included for convenience of reference only and shall be ignored in the
construction or interpretation hereof.

IN WITNESS WHEREOF the parties hereto have hereunto set and subscribed their respective hands
and seals the day and year first hereinabove written.
SIGNED AND DELIVERED by

For EXUBERANT SYSTEMS PVT. LTD. }

Mr. Manoj Ashok Sharma - CEO }

SIGNED AND DELIVERED by the DSA

1. ___________________________. }

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 ANNEXURE 1

NATURE OF BUSINESS
EXUBERANT SYSTEMS PVT. LTD. is a company that is a DSA of multiple banks and NBFCs

ONLINE
EXUBERANT SYSTEMS PVT. LTD. has a good online presence through which it receives
leads from multiple locations,
It is not possible for EXUBERANT SYSTEMS PVT. LTD. to be present at all locations so
EXUBERANT SYSTEMS PVT. LTD. shares those leads on commission basis with it's partners on
those locations with a condition that those leads be disbursed on EXUBERANT SYSTEMS PVT.
LTD.' DSA codes.

OTHER
Idea behind registering DSAs is for EXUBERANT SYSTEMS PVT. LTD. to build a bigger network
and presence across India to achieve maximum payout slab from it's banking partners which in
return means higher payout slab from EXUBERANT SYSTEMS PVT. LTD. to it's DSAs.

LIST OF PRODUCTS AND SERVICES *

a) Personal Loan Consulting
b) Home Loan Consulting
c) Loan Against Property Consulting
d) Project Loan Consulting
e) Business Loan Consulting
f) Credit Card Consulting

(Strike-off which is not applicable)

For EXUBERANT SYSTEMS PVT. LTD. }

Mr. Manoj Ashok Sharma - CEO }

SIGNED AND DELIVERED by the DSA

1. ___________________________. }

16/20
 ANNEXURE 2

Payout offered by EXUBERANT SYSTEMS PVT. LTD. will be relative to pay outs offered to EXUBERANT
SYSTEMS PVT. LTD. by its banking partners for various products and will be shared with the DSA on percentage
basis or Company will share the bank wise payout slabs, pay out structure can change time to time, we will share
you the confirmation on mail related to changes of payout structure for the month.

Payout Personal Loans (Salaried):

Net Pay out under Fulfilment (File Completion) Net Pay out under Lead Generation
Disb. Amt Disb. Amt. Disb Amt. Disb Amt Disb Amt. Disb Amt.
Bank Name Bank Name
0 L - 30L 30 L - 50L > 50 L 0 - 30L 30 L - 50L > 50 L
Capital First 2.00% 2.20% 2.50% Capital First 1.0% 1.25% 1.50%

IDFC Bank 2.00% 2.20% 2.40% IDFC Bank 1.0% 1.25% 1.50%

ABFL 2.00% 2.20% 2.50% ABFL 1.0% 1.25% 1.50%

Yes Bank 2.00% 2.20% 2.40% Yes Bank 1.0% 1.25% 1.50%

ICICI Bank 2.00% 2.10% 2.20% ICICI Bank 1.0% 1.25% 1.50%

India Bulls - Dhani 2.00% 2.10% 2.40% India Bulls - Dhani 1.0% 1.25% 1.50%

Incred Fin 2.00% 2.10% 2.40% Incred Fin 1.0% 1.25% 1.50%

RBL Bank 2.00% 2.10% 2.40% RBL Bank 1.0% 1.25% 1.50%

Fullerton India 1.90% 2.20% 2.40% Fullerton India 1.0% 1.25% 1.50%

HDFC Bank - Digital 0.85% 1.10% 1.20% HDFC Bank - Digital 0.85% 1.10% 1.10%
Opta Credit 1.90% 2.20% 2.50% Opta Credit 1.0% 1.25% 1.50%

Tata Capital 1.90% 2.00% 2.20% Tata Capital 1.0% 1.25% 1.50%

Axis Bank 1.80% 2.00% 2.10% Axis Bank 1.0% 1.25% 1.50%

I2I Funding 1% 1.50% 2.00% I2I Funding 1% 1.25% 1.50%

Payout Business Loans (Self Employed):

Net Pay out under Fulfillment Net Pay out under Lead Generation
Disb Amt Disb Amt Disb Amt Disb Amt Disb Amt Disb Amt
Bank Name Bank Name
0 - 30 Lac 30 L - 50L > 50 Lac 0 - 30 Lac 30L - 60L > 60Lac
Capital First 2.00% 2.20% 2.40% Capital First 1.0% 1.10% 1.50%
IDFC Bank 2.00% 2.20% 2.30% IDFC Bank 1.0% 1.10% 1.50%
ABFL 2.00% 2.10% 2.30% ABFL 1.0% 1.10% 1.50%
Yes Bank Ltd 2.00% 2.10% 2.30% Yes Bank Ltd 1.0% 1.10% 1.50%
ICICI Bank Ltd 2.00% 2.10% 2.20% ICICI Bank Ltd 1.0% 1.10% 1.30%
India Bulls 2.00% 2.20% 2.30% India Bulls 1.0% 1.10% 1.50%
Incred Finance 2.00% 2.20% 2.40% Incred Finance 1.0% 1.10% 1.50%
RBL Bank 2.00% 2.20% 2.40% RBL Bank 1.0% 1.10% 1.50%
Fullerton India 1.80% 2.00% 2.10% Fullerton India 1.0% 1.10% 1.50%
HDFC Bank - Digital 0.85% 1.00% 1.25% HDFC Bank - Digital 0.85% 1.00% 1.25%
LendingKart 2.00% 2.20% 2.30% LendingKart 1.25% 1.50% 1.50%
Axis Bank 2.00% 2.00% 2.10% Axis Bank 1.0% 1.10% 1.50%
Edelweiss Fin 2.00% 2.00% 2.10% Edelweiss Fin 1.0% 1.10% 1.50%
Clix Capital 1.90% 2.00% 2.10% Clix Capital 1.0% 1.10% 1.50%
Deutsche Bank 1.90% 2.00% 2.10% Deutsche Bank 1.0% 1.10% 1.50%
UPF Finance 1.90% 2.00% 2.10% UPF Finance 1.0% 1.10% 1.50%
Neo Growth 1.90% 2.00% 2.10% Neo Growth 1.0% 1.10% 1.50%

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 Payout Structure for Home Loan

Net Payout under Fulfilment (File Completion) Net Payout under only Lead Generation
Disb Amt Disb Amt Disb Amt Disb Amt Disb Amt Disb Amt
Bank Name Bank Name
0 - 50 Lac 50L - 1 Cr >1 Cr 0 - 50 Lac 50L - 1 Cr > 1 Cr
DHFL Housing 0.40% 0.50% 0.60% DHFL Housing 0.30% 0.45% 0.50%
Bank of Baroda 0.30% 0.35% 0.40% Bank of Baroda 0.20% 0.25% 0.30%
HDFC Bank - Physical 0.40% 0.50% 0.60% HDFC Bank - Physical 0.30% 0.30% 0.30%
ICICI Bank Ltd 0.40% 0.45% 0.60% ICICI Bank Ltd 0.30% 0.35% 0.40%
IDFC Bank 0.50% 0.60% 0.70% IDFC Bank 0.30% 0.45% 0.50%
Fullerton Home Fin 0.50% 0.60% 0.70% Fullerton Home Fin 0.30% 0.45% 0.50%
Fasttrack Housing 0.40% 0.50% 0.60% Fasttrack Housing 0.30% 0.45% 0.50%
DCB Bank 0.40% 0.50% 0.60% DCB Bank 0.30% 0.45% 0.50%
Federal Bank 0.35% 0.40% 0.50% Federal Bank 0.30% 0.30% 0.30%
PNB Housing 0.40% 0.50% 0.70% PNB Housing 0.30% 0.45% 0.50%
Axis Bank 0.40% 0.50% 0.60% Axis Bank 0.30% 0.40% 0.50%
Aadhar Housing 0.40% 0.50% 0.60% Aadhar Housing 0.30% 0.35% 0.40%
Gruh Housing 0.30% 0.40% 0.60% Gruh Housing 0.20% 0.25% 0.30%
India Bulls 0.40% 0.50% 0.60% India Bulls 0.30% 0.35% 0.40%
Home First 0.30% 0.30% 0.30% Home First 0.30% 0.35% 0.40%
L&T Housing 0.40% 0.55% 0.60% L&T Housing 0.30% 0.35% 0.40%
Magma Hsg 0.40% 0.45% 0.60% Magma Hsg 0.30% 0.35% 0.40%
Incred Housing 0.40% 0.50% 0.60% Incred Housing 0.30% 0.35% 0.40%
ART Housing 0.40% 0.50% 0.60% ART Housing 0.30% 0.35% 0.40%
Vistaar Fin 0.40% 0.50% 0.70% Vistaar Fin 0.30% 0.35% 0.40%
South Indian Bank 0.30% 0.40% 0.50% South Indian Bank 0.20% 0.25% 0.40%
Shriram Housing 0.40% 0.45% 0.50% Shriram Housing 0.30% 0.35% 0.40%
Capital First 0.40% 0.50% 0.70% Capital First 0.30% 0.45% 0.50%
Subham Housing 0.40% 0.60% 0.70% Subham Housing 0.30% 0.45% 0.50%
Essel Home Finance 0.00% 0.40% 0.50% Essel Home Finance 0.30% 0.40% 0.45%
IIFL Home Loan 0.40% 0.50% 0.60% IIFL Home Loan 0.30% 0.45% 0.50%
Jana Bank 0.30% 0.35% 0.45% Jana Bank 0.30% 0.35% 0.40%
Repco Home Finance 0.30% 0.35% 0.40% Repco Home Finance 0.20% 0.25% 0.30%
Suryodaya Small Bank 0.30% 0.35% 0.40% Suryodaya Small Bank 0.20% 0.25% 0.30%
Equitas Housing 0.30% 0.35% 0.40% Equitas Housing 0.20% 0.25% 0.30%
Reliance 0.40% 0.50% 0.60% Reliance 0.30% 0.40% 0.50%
Piramal Housing 0.40% 0.50% 0.60% Piramal Housing 0.30% 0.40% 0.50%

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 Net Payout Structure for Mortgage Loan:

Net Payout under Fulfilment (File Completion) Net Payout under only Lead Generation

Disb Amt Disb Amt Disb Amt Disb Amt Disb Amt Disb Amt
Bank Name Bank Name
0 Lac -50Lac 50 L - 1 Cr >1 Cr 0Cr - 50Lac 50 L - 1 Cr >1 Cr
DHFL 0.60% 0.70% 0.80% DHFL 0.40% 0.50% 0.50%
DB 0.60% 0.90% 1.10% DB 0.40% 0.50% 0.60%
RBL Bank Ltd 0.60% 0.75% 1.00% RBL Bank Ltd 0.40% 0.50% 0.50%
IDFC Bank 0.60% 0.90% 1.10% IDFC Bank 0.40% 0.50% 0.60%
Reliance 0.60% 0.75% 0.85% Reliance 0.40% 0.50% 0.50%
Capital First-Suvidha 0.60% 0.80% 1.00% Capital First - Suvidha 0.40% 0.50% 0.60%
HDFC Bank - Digital 0.40% 0.45% 0.50% HDFC Bank - Digital 0.40% 0.45% 0.50%
ICICI Bank Ltd 0.60% 0.75% 0.85% ICICI Bank Ltd 0.40% 0.50% 0.60%
DCB Bank 0.60% 0.75% 0.90% DCB Bank 0.40% 0.45% 0.50%
Federal Bank 0.60% 0.75% 0.90% Federal Bank 0.40% 0.50% 0.60%
PNB Housing 0.60% 1.00% 1.10% PNB Housing 0.40% 0.45% 0.50%
Axis Bank 0.60% 0.80% 1.00% Axis Bank 0.40% 0.45% 0.50%
India Bulls 0.60% 0.75% 0.85% India Bulls 0.40% 0.45% 0.50%
L&T Housing 0.60% 0.75% 0.85% L&T Housing 0.40% 0.45% 0.50%
Magma Hsg 0.60% 0.75% 0.85% Magma Hsg 0.40% 0.45% 0.50%
Incred Housing 0.60% 0.75% 0.85% Incred Housing 0.40% 0.45% 0.50%
Vistaar Fin 0.60% 0.75% 0.85% Vistaar Fin 0.40% 0.45% 0.50%
ABFL Housing 0.60% 0.80% 0.90% ABFL Housing 0.40% 0.45% 0.50%
Yes Bank 0.60% 0.75% 0.85% Yes Bank 0.40% 0.45% 0.50%
Fullerton Home Fin 0.60% 0.75% 0.85% Fullerton Home Fin 0.40% 0.45% 0.50%
Jana Small Bank 0.60% 0.75% 1.10% Jana Small Bank 0.30% 0.45% 0.50%
Cholamandalam 0.40% 0.70% 0.80% Cholamandalam 0.30% 0.40% 0.50%

Payout Used Car Loans:

Net Payout Under Fulfilment Net Payout Under Fulfilment

Disb Amt Disb Amt Disb Amt. Disb Amt Disb Amt Disb Amt. 30
Bank Name Bank Name
0 - 20L 20L- 30L 30 Lac + 0 - 20L 20L- 30L Lac +
Hero Fincorp - Used
Hero Fincorp - Used Car 1.50% 2.00% 2.50% 1.00% 1.25% 1.50%
Car

19/20
Notes to above:
1. Pay outs will be released after clearance of all bank queries and OTCs (Over The Counter
approval).
2. Pay-outs is on Net Disbursement
3. Pay outs date will be between 25th to 30th of every month.
4. The pay-out would be done vide crossed A/c payee Cheque or Net banking.
5. All pay outs due to the DSA will be paid, on a monthly basis, only after completion of all post-
disbursal documentation, and formalities with the customer, as required by banking partners.

6. Payouts will be released to the DSA after 30 days after clearance of all OTCs.
7. Maximum payout of Rs 7.50 lacs for a single disbursement.
8. Final decision regarding remuneration to be taken by Business Head.
9. Note: Deductions as per government laws would be applicable. e.g., TDS & Service Tax.

10. All pay out rates are subject to bank's sole discretion and can be changed by the
banks/NBFCs with or without prior notification.

ANNEXURE 3

EXUBERANT SYSTEMS PVT. LTD. makes use of it's proprietary Customer Relationship
Management (CRM) software to manage business with the DSAs and mandates the CRM's use for
all it's DSA.
Refer link below to further read on CRM's terms of service:
http://crm.dealsofloan.com/tos

For EXUBERANT SYSTEMS PVT. LTD. }

Mr. Manoj Ashok Sharma - CEO }

SIGNED AND DELIVERED by the DSA

1. ___________________________. }

20/20