Loan Against Property we strive to meet your needs in a competitive and dynamic business environment.

We understand that, as an SME, you require quick access to cash, and the flexibi lity to leverage your assets to fuel your business growth. Loan Against Property provides the liquidity you need to grow your business or m eet cash flow requirements. The loan enables you to leverage your property to ob tain financing. Features Loan against property is very flexible and is designed to meet the different fin ancial needs of your business. Want to expand your business leveraging on your e xisting property? With Loan Against Property you can undertake long term investm ents for expansion. In the process Loan Against Property also enables you to bui ld up business equity by repaying the loan in monthly installments. Maximum Loan: BDT 28,000,000 (taka two crore eighty lac) only Minimum Loan: BDT 1,400,000 (taka fourteen lac) only Interest Rate: 16% per annum Tenor: 3 Years - 10 Years (i.e. 36 to 120 EMIs payments) Maximum % of loan amount against market value of the property: For Commercial Property 60% of propertys current market value For Residential Property 70% of propertys current market value Following table indicates the monthly repayment amount or the equal monthly inst allments (EMI) is given below: Loan Amount 108 months 2,500,000 7,500,000 131,475 12,500,000 219,125 17,500,000 306,775 22,500,000 394,425 25,000,000 438,250 28,000,000 490,840 60 months 120 months 60,800 54,250 182,400 125,700 304,000 209,500 425,600 293,300 547,200 377,100 608,000 419,000 680,960 469,280 72 months 84 months 96 months

49,675 46,325 43,825 41,900 162,750 149,025 138,975 271,250 379,750 488,250 542,500 607,600 248,375 347,725 447,075 496,750 556,360 231,625 324,275 416,925 463,250 518,840

Please note that the above figures are only indicative and subject to change at the sole discretion of Standard Chartered Bank without any prior notice. Eligibility To be eligible to apply for this loan, the applicant must fulfill the following criteria: At least 3 years of experience in same business A minimum annual turnover of BDT 7,000,000 (Taka Seventy Lac) only Documents The following denotes the documents required for any business to apply for this loan: Documents Proprietorship Concern Partnership Firm Private Limited

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Valid Trade License 3 Year Old Trade License Latest 12 Month Bank Statement National ID of Business Owners Utility Bill of Business TIN Certificate Photograph of the Owners Registered Partnership Deed N/A Memorandum & Article of Incorporation, Certificate of Incorporation N/A Board/ Partnership Resolution N/A All Facility Related Offer Letters

N/A Form X and XII N/A

N/A

N/A

Property Documentation Requirement: For Government/Leasehold Land: Lease Deed/ Ownership Deed (photocopy) Baya Deed for at least 25 years, if any (photocopy) Development Agreement/ Joint Venture Agreement with the land owner/ deve loper Power of Attorney (if any) Power of Attorney Acceptance Letter from lessor of the property Mutation (any one) Mutation Letter from RAJUK/ CDA Mutation Letter from National Housing Authority (NHA) Mutation Letter from Ministry of Works Duplicate Carbon Receipt (DCR) with Mutation Order Sheet Up to date Municipality Tax Receipt Up to date Land Tax Receipt Non-Encumbrance Certificate (NEC) Approved Plan/ Layout Plan and Approval Letter by RAJUK/CDA/Concerned Au thority Any other documents as advised by the banks lawyer For Private/Freehold Land: Ownership Deed (photocopy) Baya Deed for atleast 25 years, if any (photocopy) Development Agreement/ Joint Venture Agreement with the land owner/ deve loper Power of attorney (if any) Recent Survey Report (i.e. Math Parcha Duly attested) CS, SA, RS Parcha (PS, BS, RS Parcha- only applicable for Chittagong) Mutation Parcha and Mutation Proposal Sheet Duplicate Carbon Receipt (DCR) with Mutation Order Sheet Up to date Municipality Tax Receipt Up to date Land Tax Receipt Non-Encumbrance Certificate (NEC) Approved Plan/ Layout Plan and Approval Letter by RAJUK/ CDA/ Concerned Authority Any other documents as advised by the banks lawyer Please note that the above requirements are not exhaustive and the bank may requ ire further documentation for credit assessment on a case to case basis. Charges Loan Processing Fee: 1.5% of the approved amount Valuation Fee: BDT 5000 per property Legal fee: BDT 7000 property Early Settlement Fee: 5% on outstanding amount if repaid at any given time b efore maturity of the loan VAT and Stamp Charges: All charges and fees are subject to 15% VAT, to be pa

id by the customer. Stamp charge will be at actual to be paid by the customer. Please note both valuation and legal fees are non-refundable and inclusive of pr ocessing fee of 1.5%+VAT of the loan. Both fees will be discounted from the said processing fee at the time of loan disbursement if the loan is approved by the bank, the facility is availed by the customer and the property(s) are mortgaged in favor of the Bank. Frequently Asked Questions (FAQs) Q Who is Eligible? A Businesses (private limited, partnerships and sole proprietorships) with at least 3 years of business operations. Q A Do I need a minimum sales turnover? Yes, your business requires a minimum sales turnover of BDT 7,000,000 (Tk. Seventy Lac only) to be eligible to apply for the loan.

Q What is the maximum loan amount that I can avail? A You can avail up to BDT 28 million (Taka 28,000,000 only) provided your in come supports the monthly repayments, the loan amount does not exceed the 60% or 70% (as applicable) of your propertys current market value and other conditions/ requirements are met as per bank criteria. Q What types of properties are eligible as securities for this type of loan? A You can provide both your residential or commercial properties as securiti es for this loan; except for vacant land. All these properties must be located w ithin the Dhaka or Chittagong metropolitan area. The eligible commercial propert ies are shops and office spaces. Q What is the repayment mechanism for Loan Against Property? A Loan Against Property is an installment based term loan, which gives you t he peace of mind of knowing what your fixed monthly repayments (EMIs) are going to be. It also helps your business to build up its equity We provide the maximum flexibility to repay the loan at your convenience. You can choose a tenor from 36 months to 120 months (3 Years to 10 Years). Q I have a residential/commercial property mortgaged with another bank; can I still take up loan against property? A Yes, if you have an existing mortgaged property with another bank, you ca n take up Loan Against Property where we will re-finance your mortgage. In such cases your existing bank must release the mortgage and handover the mortgage to us. The loan outstanding (with another bank) may be settled by you or taken over by us, depending on the nature of the facility.