CerT c:a:a IJCd Oato 14-De¢-20f)l-53PL . AttoC¥&GAgreemem Oa$crlplion 01 Documunl . Conslderatlon flrlce (Fis ) 0 Ffrst ?jlrty Allil iRAVEL IJaEA13 LTO . • Sli!mp Duty Paid By Stamp Duty Amoufii(As.) AlA TAAI1aSUJaEAU LTD 109 (One flundled oolyj .. • INDIA NON JUDICIAl Government of NationaJ CapitalTerritory of Delhi e.Stamp t1i'<4Q4 Celtlllceto No. IN-OI..!m9Wi0455545N Aceounl R lemnu .iPACC11VJ!e!f739S03f OEI.HV Ol.-DLH Ucllq<l& Ooc.Relttrenc:e • Stif>rN-E>t..OL7 146869N Purc:t\asGd by . AIR TRAVEL:SURI:AU LTO Propony DQSCn!)tloo Noc Apprreeore (Z rot • :'\\). t<l..J ' SecOI'Id Porty TA'tE I'll<9FIIf.l .
• SME -i LETTER OF ARRANGEMENT To Mls Air' Trall1flBureau LUI. M·96,Connaught Circus, New Oolhi Oatod:171121201& ADVANCES TO SME SEGMENT SANCTLON O.f f.T FACILITIES Wtth roteto your apptu;at.on dated 2.!>-0 ·I S'requastmg us for sanotton cf WOII<•ng CaPitalL•m•IS and or Term Loan Limits at existing I enhanced levels aod wbsequent correspon(fence this regard we have pleasure in adviSing ssnctioli/ oontlnu. llon of IRe fohowmg lll'Cdlt falllhtles. which ere available subject to your acooptancI fulfillrMnt O{ lhe Terms and Conditions <tat ailS In Annexure A & B (Rs.tn erore) P&rformancal I · lntercl,ungeaqliJty ootwoun flmd·QiiS.fJd end non-lund l>at;ed limits to llle elllent qf 5% olrQ/ell/mils..l e Rs 4, 0 cr We are fOtWardtng fills leiter 1n duplteate alo'lg With Annexure P.& B and shall be {!lad tf you reiUm to us the or.g·nals duly slgne<l 01 you and tne guaranlOfS In token or haMg accepted too terms and cond<llons. belo\'< tt-o woros ·we.A pt appeaat lhe er.d Gf tne Annaxure dfld retal!'ltl'le duplltreroollor yQur retOld 11"111real1er you may call on 1,111 \VIth tHe.guaranws. preretably with prior appo1ntmen1, to e teo.lle t"e documenls In this regard our oest ser,ICeS at all bmes Assur.ng you Branch Manaoor SBI.SME ConnaYghlCtrcut1 Naw De.lh1 ol 0 Ficlllties limits Fund Based: i) Co&h Credit (Hyp.)hm11 6600 b Stand bY Line of Cred11 5.00 ,e Terr!Jj,Oan (EX!stine§ME Car Loans), It 0.40 TotalFund B11s&d Lhnlt$ 7140 ra-Non Fund bacsed: BanGaarantee ( 900 1 TotalNon-Fund Based Umlts 9.00 1 T_!llalFB.,.NFB 80.40 fl Out andmg ·as on 09 09 201S a In
TERMS ANQ CONQIT!ONS NNEXUREA UR!IY: 1 I THIRD PARTY IIi!r.i!olaqf. Nuoln Na1111111, o1herw1se lhlt and lmsttuments e:c drawn liS raJ/OUr' andan other current Nara:fl 1 'Term loarusl Lid. p,., Commerc•at - - -= Air Tra,.ut uu• _.-ForA &M<An ;.-'.0 Di r«Wf ' ..--Ai_"J;_ ..... N """ ._;u.,...· d •at•2<il'IS /)."....t l..... )... I ' "--1'1 al 1 s!. '1"" l.Ctf. II La'IHIO\J LIMIT PRIMARY SECURJTY COLLATERAL SECURITY IMMOVABlE PROPERTY I PAPER SECURITY PERSONAL / GUARANTEE Cosh Credit (Hyp) I SLCI EltQluSNehypothecatiOn cnarge over 1he company s alf p1esent & Fulure Book DeblsiReoewables lUi altlo documentary billa. domestic or l'llport Whetheraccepted or cheQt. draflfi I @As detat1ed below . Pem2Dill 1 Shrl S\)rill 2 Snn Sau<abh 3. Shrl Anlf Saxena. Th ird Party Guaranteo or: 1 Smt Sangeeta assets 2 Snn Meena:CSI'll LOilfl F1rst h)'I)Ollleea!·on charge the purchased frOfTl Bank fLOOnce Saxena Oorporete Guarantee 1, All8 Flnaf1ce e. Inv 1menl Pv: Z ASM tS ME Car 6G StlpufallftfCa.."hmargin ltd ve111t;1e o"er In clean or SG
@ CollateralSecurity I I Details of Immovable Property Owned by 1 Ekllt" adm itS<.Jrll1g 1991Y.! yw:i:l> or 100% SQ ad33 82 sq meW u 6-'31!:'2 m;:;Gl<d - NaraiF1 Mtllenlllu"lSla< Oi'lolv PatJ RO!Id Plot 00 163, 1012 Nii!aal Commerooalproperty 51 utllt 507 GlObal Foyer,cttalcKal'pUr se-clor-43. iu Tuw!tt-R at Pulrneria GS!den E to.Sector l"'e adme3SIIrnQ 1875 sqlt • Vil'.age . i oratll Ltd. • I fur A cf M Corraui'Giaj '--\ /)I ,. .I. , 1 • ·-INata.n I R8$K!l!ntla' plot No-398 Block-& Sec!Gf t Greater Nolc!il.UP edmellSUtflg 300 $< meters Sunil Nitfil'n 2 Shop No-2\3 SQuare Ooe Moll Pfot llO c-2 . Sailel New De!ht-17 : aorn t.11i119 1734 sqm r t-IMeenai<stlt Sa etla Rl!Sidennar tiollStl fl-3152 Upper Ground Fi:Mx Saloarjung Enclave,New 3 .s .11n1 s.,>.eN 6 R ld""'-lai fialNo-31$ (MIG) Kautily"1\p;:t. f>W,o;t·6. Pl'laSe-11 1•• FJOO( tor 14 OW.lf•:: l O.Oiht ·odm&3,Urlr>g OOS.sq fj Mc:Of\.Ck!J' &)1.0• •D r--Flat V·l<IG 14• floof,Regency Pati-JI,OLF Cl}'.GUI' liOII <: dm\?asunng 165 CS 8Q S<lr\11 NanM & I Sil ta Nan:lill 5 Orf ee Fta; 306 DlFGaliena OLF C.:.y Gurgaon. AlfS;;rea or 364 tl4 sqlt t lid - ATB Ftoonce Offlc\\ Flat '308 DlF Gallt!t•a DtF C•ty Gun llr.lrneasUrino 36 82sq meter 1 (!# 3'J-< 0 SQft - rnvestrr.ilnt P\.t L:d r---R llliii\IICII Flat lo-ner Grouno Floo• saroal)ungBlclave. Ne·,,.Deln,l A&M a lld.. mlr rng 199 .sq ,aror Hl6 "ho P,1Lld Commemaloropen301,MmenniiKtl SCm,Ol!o\a PaW ROlld. Plol110 153 a.et•Ptme. al!m tasurillg104lSQ It Shn Saurabfl 10 COitlltl«!foal prop-.. 1) :W2 , ISilO SiJII!8b11 CT S no 3el1 '"'/2 39 5 .aQ Gh Plld•, PUtJe, ildme;hUril'lg sq t1 f-- 11 Guflla-:tn. adw.&allur•r.:;sq ft SUnM Nara'" 1 P AJt Tr;·,al &•t;!< lld tE St> R<iuleSTr;l'd! l Comrt>etcial oroPOr'IY Unll l'lo-316.3"'!loor BesleGh Cybcr PW'k. Nl!IS!ngllpur NH-tl GulQaOO <IOI'I'i!a$Ufll'lQ 2500sqtt a. Fill111\W "G!Qbal Fo1e• • ((::lrm51y as City SQpe Sn. Sulld Nara 1.1 0' "-· - no Ct\<ll<.<arpt f.GQlfCoorse RO<MI. Sedor .:3 G!ll1laon Haryana 12200? lY.Itneas..ori,.g 1016 sq II 15 no-9 FltlhFuel" (lorrr.erly J<nownat C•ty Sc;apeVdfaga Cllo!ti<a<pur GetC! oOJtse R=:l Sec!OI' 43.Gurvaon H oa '22002. lldme unng't Sh Slloll N Sit Sunil N.ao t n t618 noor 'Gklbal OffiCe •n 12 ROS!denl<$1 un.lR·701".i" f!Oof. 01'11Cfon ·3 at C a1er Nolda U \Qof, tS16 CTSno g.. 3912 39 &<<;O Gl'lorpach t G tr. ..e Res•ctentlal metrr or 1777sqtt rr1U' Suno
2. ef;B!9Q.QF" AOV,!\NCE f. REPAYMENT TERMS: d mand The faClfity wtucn has been sa!lcttoned W!trklrut_Capitat·Repayable 17.09 2015 ••.,, 3b'e for 12 months from that dal. S1.1bp:clto reVlOWevery 12 depandong upon the con<!uct and ut tSatlOf\ or tne PCt toe Ba!lk's Scheme SJ.JI Qy_Llrm_olS!.t!Jtl,; StC todisbursed o y;r "en request of the r 11ont.c'd·sbu!sement Interest rate chargedon CC SLC !frm Lo ..n.; n \he loan aecoun!s tile accounts at t on bo'llllCOS 0:1 ·CV.."t'f mol\!.o"' "' a::cvrdanca wolh tile coll"'ttng pr3(;tlces or tho opphc ble shell be payable rn or non·ulilis31i0n of be payable on case of pre-payment of Term Pre·poyment as apphoable tn,tnlm"nt& 3. TE O.F jf.I!TERE$! Worlllng Coprtol Elsa· s per Bank's exfanltns:truotrons Interest altho 1u1kl!<lto Exrr>rMII Cr\ldilRating 1!! fJaSo) Rate 1\fliC.IJ IS presently.9 o a Present ellecltve r&lll al tnQnlllly rests. Bani< shan at any 1 lmu 3nd ue en!1Ued to V'Jry 'ho ln!ercst Rate an¢ ma<g1n based on tile Ctedot from :•mo to A$seument Ollhe borrott' r ond the Base Rate at Its drSCre!JOO In case olany chango tn Bank's Instructions, lower of interest rate ts appllcabl_, 10 internalcredrl rating (SB-03) or cxlomal rating wiU be applied. (Rateof ° at 00 e B;)se R;J•e + Standby Line of Credit· abOve e''ectlve. r.uo • presently effedu& beg12 30% B.W. w om t.'me to Om.: te ent.11ed to est Ra!.-ma t n tne the Crodrt R!$lo; A»e nt of tlte borrower and toe Basa Ra!"' at 1110 Tllrm LoanNA .oDGthe Bas!; Ra:e.'.l!lic:h ·s presently --:-daproduct at momnly t0$ts shall o the margin Dil$etl ru ot tne and the Ba!:e Rate at tts dtScretJOn Iarty $hall go•et,edy RBIs d.r.:c;tJ'Ie5 on IAAC lnt&rliSJ-:fon lao t es extend'" roce gn rotfency shallhnk.eo to LIBOR ) '""-""""!';.,... - J·._..,. Fot AJ&Ru Qoa & lnmtmsnt (PI ltd . {/...... ./rrt · k1Sl A·' '· f ,, .._ _ l 1'1· tnr ' - ./ .... r '''!:<''d " A&!>C:$ nem I)Orrol,f AOo:tl.lod but unapploctl intCfOSl notms '-' ra:e:. .,4 ·-on1 v;;ry Ba!llo: 11: Crdd 1 11\tnre£1 ot L1e ra1 or_ margtn Pt8S!lnt ottactl\ · rato ca•cu ared on w ttme w enwc:u t &I arrt t 'lc en<l from uno !mer and 300% in CC 1 e BR 1 at nv tme and f on baSIOd dlstretoon. 13 00 3 apPliCable to S8·3rntod nocountJS Interest pr0$Cnl) t 30"1. ocllt. ol 2 00 % Rllllve 11' 1 % p a caiC4.rl3t()d on dally produe1s time Ri LO:ln shaU c argl!l comll'.ted on monthly I Qtln:otcS1 slta Ibe po,able on t:le ou:stancf1119s o oo , s ouly compounded a10 deb.t&d to the l:tst :.<m<•no oay e Bani! Item 11 ne to llmo Cornm tmonl eharg011 $1li'!CiiOned llflll6 as to A Iml n 1-JQ chequeW!ll be 1$ ued 1n SLC SLC 13 be ro;ul.l ;sed tn ma••m;.m 3 lr tre51 Ralc onSLC to beIabOve the No ovordro1ng v. be! pt'rm'tteo In on months on '' I • ..m .t on3y be cancollo.td I reduced auva!IOO or ao
or Agtlcuuural advances shall be 10 line wtU1 !he Appllcallon of in harvesting seasons. ENHANCED INTEREST Each,of tile following events will attract penaf lnte t alapp b!erate as fndlca_tli!d. and'l'lbQve lhe normot opplle<Jble In lh< aecount. terest at 1% p,a will be ettarge(l for tlio period of !felay In a) Enhanced rate of respect ol OetayEK1Jnon.-submlss10n of renewaldata tbeyond3 rnoolhs from the due da!e al renewal) required for review / renewalof lrmits Dela1n<ill-submfss!on ol annualllllanslalstatements ll Ill OeiGYfK!ni on-subntlf>SI0/1 of GtOel< 4lafemenls (DeJ<Y )'Qnd 1 e <lay.$ ollhe slloceelimg month siiSH l:>e ®nstdered asnon·stsbmissfon} b\ En!mnoed rate @2%p a will be cllarged 'Q.O U1e excess drawings Jn case of any U;an 60 days and if llbevon(l 60 ach 1s continuously rrom tnoa'tc of Jrregutamy /breaGil. Enhanced day-s on th:!: entire outstaftOIP.gs ll)lereslwill be compounded rnOl)lhly Non-cocmplf: noo ·111\h covenants 1 -. p.a ) 1% on 11'1Gl'lti(e'outlil811t1ings trom the tiale of breach of covenant bil the breach 1S app1ovet1by sat)CIIOf1111f! authority. On lne: e)<i:!!lndeo limec pf;fiOd (other than {he time permitted by fl'\e sancUonfng dJ authority) for completion of m rtgage rorm?lltl&s C()llSortfum documentation etc, llll StJGil llfl*.lhe fo malitiS$ aje complsled. 1% on U,e enUre In oases wnare borro encts Co orate Gva ma· to Its assoclalas Wlthout e) Banks approval 1% 011 lhe l!.'l\1re ouiSicmdmgs frem too date of execullen ofi uamntee bit posl·facto apprmal by !he sancboofml authQrily, If ar.ty. n Tlte.Blltlk ShillII <!ISO be enliUed to cl'lerge at its l:! retion ennancad IRie*t rates on lhe enure « t!ltanc:tmgs or on-a por!lo.n_ th!for any·. Oil the accounts ltrE!QIJiatltV 1 1119 no bservance or non-compltanile ol the and Conchttons1>f me aovances f<* such pefiGdas the l:u!nl<.deems 1t nec:easary Hl:i\'"euet the totalpenallnterl$1 charqed on a bOi'F0\ 1!1' due to rarwus fiOIHomptlantes "110 not exceed 3%a -1. MARGINS riaLs rh. Tem1lLoan . • ...• Ditrdor SL ITEM t,IIARGitHIN "kl A FUND BA$EO LIMITS a. Raw Malenals lfl1pot ted NA b Raw Ma!e _ lndlc<mcus NA c: Senli·RniSned Goods HA d Ffn 1strE>d Goods NA e Gom Xmenf$/ Cooi.Umabres 1 S?lll'e$ NA r Dorl'l&steReceNabfes (Cover:90 da'(Sj 40®% '0 Ex : ort Pacl-iii'S Cteoi! NA NA '"fj'" NON·FUNO BASED LIMITS NA a Letters of Cre - b I Bank Gua•arote l 20..00% ) Ter111s either 0\llstandings 1 (OI <-1 lieS$ •rresutenty tbl' I in .ntar:et:l over. re&P\'CI inu;rest
"· T ..NOR I. RETI;NTION P OQ..OESILLS: 90 daya 90 days for RecBMlbles would be elCtendeo 111 wrt, rs other thlln assoc.ate · stSier conoerns R car.rables be ond 90 days .v no: be tcckone:f •tr com X,!IotJ Pov•er Drawing Powct • s f, lli VBANCE tho Bom:r.•.,: riOtS s:rillood,; cyclooes, eaMqua•es d Olhet nat1.11aI -ct1 \\ th a ODmP3tt"J aPQfaved by the Ban'.I tn ties etc :nes or the Bank a:'ld yours(:fv;ti 'FT.X CQSt (Of <0! ogeo " th tho £hould be lit ahoe {current) du1ing tne turrf:ncy of the a n the YOI.K •uranee :M Barox The rr.: cl\lncry Term loan ,to be msured vcr s hfahct or o·.g na c<Mt o• trd! -nach•l'le')' effected /done b, tile Like,' , ul llle wncwa!S lnd.vaduar Bank Cred I G\Jii'IIOIIle UPCOl of ECGC. premium payable by deb,t to account Post·SIHI)mont polloi of F ::a-:: With buyer-wtse luntts lot 'lof'\.UC obtEIIIIod by e Credit Gumltrl!ee tJntl!lr ( 0TSIScherr t1 to1:croverod. WM>lrever oppttcablo d H. TfMENT day of every montllbefore tfle 10"' statemenr and I or on :nc d:llo cl tne IMenovor tnert> s a lnrgo Vllrllllioo .n :otods I d alSo I oosolote I Su dty Debtors outs:andi.og beiond cove: pe1iQd 5hould be oensth!igau·ore•;o 116 no Stoa: de'.a s Of u pniO oc:k Mlh vaoue sliou!d be Silo....., separ.,tely Sul:abre OOO"s I '01915teri Of thofizo:d s.gnatory ihe Sloe¥: pos1t.on ate to be mau'lta-ne< 1nvanably OJtaln complete partiQJ!ars 0: sroc.s. deblon along ot ts·anc:ng vmgs l..llne$ ae ' y cov fKJ by tt'.e vaof $eCU ty 8l un<lPuro 11 be ow de!btor e 3!l'lOU"'' I:O<t :Wo d OkC:,,!I dr1M :s.e: Po tyVMe s sNI bo submit!eel ... Debt$ Further lhu levlll of Cr • • <:On D rorAl'&F¥1atl0f 6 lnvntmel\l tPI Ltu ' 6lroctQr . . , I} 'r /..:d. - 1('2) STOCK STl\ '' ma111et <'ax;; I H<!c<t:vnblc& hypc.ll'lcc<>ted I pledged to ltl10 B4t•f rc :o bo :.IJbrn•Uuu I!'DI Oily at mon·ny ntetva s as on the last cf o :o OWlOtJ month f v.tlm0 days frOtn tre dale of stock Debls an ll! Sr ect (31 Marett)The statement snould not 1ndude S1ag1\ant Bntanoo r& •·ocks 0 a otltcw.n so a·o y n the sta omont Sales andfoJr ):lnke'tmas o;;onw The StJ'eme111 shoi.l1d bo Glgr.od by the au a: :ne fcctcxy/ DUS!l'"em'se$ The Stock Sta cmct 1 SilO ld &jd, ' ere<! ors U'5anc:e LJCs. etc It IS •n complct easentla lh<;l ·n.e hyDOt ie ed less II" • ;x.:la!ea ma•g;ns ·o oa reckoned as per \"iJiuat en nllnWmory 9 If &Iany wne the Draw. ng Power 'Y eldeo by the stoc_l(s C.IC held bV VQU f S 00 (HI th $UC ngs al'lJII OQ aius't:'d romr.· . e a.ata s fCf Eadl btll ra on a monthly b.,Sis tor COI'Ip<Jt'Jtion o! Dtll"llll9 Power aga n:St Soo Accept ..011 o er < nd abct..e the accep(e(f ktvel Will be deducted a WC:1' ...f.l..i...... "{-7. $::FUiOIT GVARANf!;S£0VER: , Pro·sh•pmMICroo.l. II any, will be ccvereo by the v.lth your exl)01h; lo lKI 101.1 ot you( cost 1f dpOIIaabl c) ECGC olfac1ols have the rl Unt! ghllb ll'lspr.Jtt the;r <:Oitslr:tered necessary b PaCJ\100 uf>der the · All too osse!s Ch!ltgod lo !lie Bani< >hould atwa:ts be fully by 111$Urii<l egofire I:Qhtrung c I commouoo an • he jo:nl oo or So:\;;s full ma•i<:ef t wtl:chl'\."er ts h gherTilt:! POlities I Ctl1."t'r l'lO{es shou!a be V3 11\leres lo Blink Tho poliao$ evem of non compiiB :ce 'he Bar.k reserves the nght tout not be txr.md to by bit to CO\er as ic!Qulted OoJ exeu:ase) to li1>.E; Ule 1r llCCOU I to be purc:n ecs out of the I! any • r tne tu ....ll!che mnrke• w:uo o: ll'le JX flc•es stJeto:d also be BottO\\tV otorr mn:ona v.Uinlso not Thi <:over per oo Of 1 Dr aN ng be a'.olable on unp11id S\O resoe-only '"
9. lNSgECTIQ . the factory I bus.no5S pcemr&es Where the premrses to elfeci frcm the LeSSO{ o oc elltended to the Bani<'s olfidals Nec.!ssary stePS potnted out by the Ban ·s officials The shall be SVbJI!Gt to a •lby ban!(s from time to time The fee shal I I. OF INVENTORY: ITEM I La'lded cos1 "e e value I s-.:es Ta... Material packing d Sj)llre r aocf F.nisned 12. SECURITY DQCUMENTS a Suppemel'ltal Agreement ofLo:ln -Hypolhecatton e Agreement e Sank R.Rrd.LOM_:Not Applicable. The fcllov.;ng. Terms and Condil:onJ. amol\gjlt «hers, shallapply tn respect ot Open Facthly If any sanctioned to you'by too 83n l(lrm lltt IOIIOwtng gtmu.ne commef'C\81 purpos ts 10 hne Uni\ • The loan ha:. oo.:n C00$1d re:J lor t Wll" the regular busi!'t!SS act ·•.t)' of trh? a) Loan 1.• 1 " toi!OWIM 'Se ll'•tY dOCuments sllall be <'aCI.IIed oy you and the Guaranlcv Guarante b. c al'y utt\>]f. oocu•nents.may be reqUired by th TO BE VA( UEO AT l irvoic plus Cvstoms Duty bli! <!'XClud·ng and demurrago.an)') 0!matl<et pnce. •tlfl!chover Is 10\!tef lncl.geJIOUS Rllw e ma:ena :.. cc;n L mab stores n Serm Fmiiheo GOG(!, filrodllttlon Gooos Wl'llct\eller or Sailing Price or rnarl<et prtce or Govl tS the lowt!Sl Cost cT C(Jntrolled rates Invoice pnoo or narl\et pnc:e or Go\'l oonlrolieo pr.ce, .,.,.mctle er 1s me kw.t!SI mpolled Raw Matenal If VALUATION _ stock 10 STOCK AUDIT; Accouns ,,)th e p.;sure above Rs 1 00 crore 0111pad &took <h!dlto• as per the ha"lk's guidelines oeborne Dy !he bo.trowe• mect•al tf any requ•rec in condvGting a1o 10 bG cost to bG oern·t>ttod in The Bank's oHfCl<lls /Inspectors are tht: as and whe"rerw•re<:llo •n::pett locks I ooot.s r eQufpment the -are leased I hued noocr.aary appro·roi$ are lObe obla1n\lif All .stance t ,,nd complot•ng S .<ch 1napecbons :>tnoothly la en 10 rec.'ttfy any shoncomlngs. If 81'1)1. cr suttJ mspechons Shall oa borne by yov
from ma date s to be wailea WJl!'l1n 2 montt'<s sanc110oI avatled e. ut, only parlidllt ch'CI•Ied & uui!Ud ""'thin <Ill portion or tl'le ,,mn, e.-1se may bu, w•lllapse and.shall,therefore. !'lOt be dlsbur$Sd that •Nould be d>$1:lur500 ' '11 not e•ueo the overall l•mtt sanct.on :o ttt.s ratoM.y and mu llple Witndrowals also ba permltlt!O of u.mctJon d•stlut5al under ll'·fao ty s.anclion anlllelease_shall be subject to SCNtrny of baste as. an rndtvlelual loan or tlmlt for o of ;epa:;men·\W-1 cornm<mce from tne date of tno fire!dro• down for ear.:h oul>-lunrt loan o:sburana mabe cfof'e on a momllend I calendar quarter end etc In stipulate the mta'·"t:Ol$ ro. each . re-arrangil'g or re-schedul:ng the repayment Shall not GXl»Cid .. n·o·Loao-cum-Hypot"te tOn T'-'t.rnary securtty s1'1illl be typothecarton or lha mach111ery purc.l'last.'d cut or 1M serurL'y sflaP be i) •11 ForAf&F ln lmedntoIPI 7 -OI'lil= -::to-r-'..__ '-·- • '" u Umi:ed k) J) l) sha n be ntellfe Ofl re"'..etpt of a wnuon requE•CJttrom Tnl! safaCihly i of 931'1lll•Dfl)II the limits .ere not liud' or 1maNns from the date of sanctoo. the hmll 01' unutllized cj d e gJ The otat amovnt unda curr<#nct e . y0<.1 w•ll'ltn tM cu1roncy of finaoocillnformaltcn The Bunk sn 11 b-.: free t.. lre.'llc< cl' :J•wur::.emem accounung 01' 0"1other purpo<>es The peuo or loan in the f{n:!fity Tile Ball< rna:; -.ltib :ogethilr tne repaymar.1 of liTe "lSSalmenta of1llff.:;e<:t st tHt!TiilS or cP'Ie repayment h) the event of muJ •ple dsb\lfSSIS Bani< shall purpos<i e:f dra,·....J AI the end or che currency of sanction the Bonk may combine and constrtulo: a!l Sl.Jl> lirr.ts 01 loans as 011.ltm•t C" loan by ,cl)t!Cuh1s tn suc:n 11 manrw r tho! thl) m;ninurrn pe110d of repa\lment NA penod The !ett.:rs I:MC113f19UO oet.. -eell tl'le Ban;; ano au shall lorm an 1ntegral pan of tne (e.cur,ty dO:WmCtll$ and sllaH b<i aMtt.lled to the Gene1a1 Agreoment ror Term Lean Agree Open Term Loan and 'he collateral only wnhro the may currency or bl
li_MS& CONDITIONS ANNJ:XUfiEB completton or seo1.1rity docvmentntion Mel fltoes 1n resp.:clof mortgage cceat· I eens1on In respect of compan•e$ 11\ addition to these :wo requiremerns.. arge to be filed with the Reglsllat ol a cl\atge favour or 'hBal'll< tile of Dra\ iog PO' >'!!' e basiS the right to e am,ne at all limos the Untt's ooc o;i of account and !'he Bani<. Will by lht to howe faclones I omees f from t1me lo and I or tochntcot orod I or tne Banand + 8:1nl<'$ chole& uossotveo , reconsti\uled wtU ut oblalntng Ba!11.s appro1al in \\Pttng Post-lacto .; pproval of reconstjtut1on I dissolulion 1 ot be accorded nor d>ssotubon , released m vmtn'lg recui\SIIUJ!JOOI!I bonlliond records whtch should cor ctfy refle l tMir flnar!Qal po!i;!lon al'ld sccpoo1 ol shOOid $uoout aist•putatad QEI prescnbed by the Bani< The Uf\11 slloukl :;t;!ff as andWhltr' fGr s of nc<:o onts fqr the lospeclion 11 Tile al flnancoa! sta!&I'Mflls w•thln one montl'l ,au<1oted hnane.or aretn .!s w.t •n three from tne dae or elC$\Jre of me The (ttrl'l!l!!lubro!ltedlo the Sakis Tax und Income Ta> shoUld alSO bl< S ICfTht OO IO tile Btmi< Un t !UlotJk:l enttre foreign & change bwmess tc oom;nee on the Board of Otlt!dOrs appointmg bt the proprietor f patlners snoutd ·tndra.vn ®frog ll'le ouu r of advanc;e lt>e tne lormahlie!$ wrlhlegard to creation ola chstge II' favour c>l the Bar.w.thtn a penod of month$ from me dare of this ,, ou111:n dir.gs enl1aiJCL;,:f c' or Orawmg P er t;y w lhOut any rerruence to the Untt te happening of any e -ent l· to ha e ness am:! the remedl3 meMI.IA)l! tarn tC\II'n$14nces adversoly alfectlf\9 l ram11y I eubsld>ary . rot.<p y anY' creditor aga1nst tlw said Llm!too l.:lr rt aa ooncem$ The Un1t should keeo tht> 8an1< •nformed of any Ct tne ftnanoa 00511ton o'thHr s· !er I assoetate 1 11' wll•Ch •lh'""" ;ted •ncllldmg any &ollon fal<en u Un'.IS lil(lally or oli"'!!l\'1156 It elf t.l or roooct.on an t., .nterest oo con,.Jefed lOt& 20% 01' bOth . .·.u rne Utllt soovld .eepthe Ban jnformed of o aubs\Jlnuat .e!f&GI on 111e r pr" ftll> or ht. tn1regard tv.o lette:r an In Ol!So Jl our 1 dtrecws nvot oo '" ·t e tlu:>J ess IJM falls. to complete The l..'aptlo not be . IJ ol liS h) The Sank ,,,u lla'tt' the .opt en or the Un1!to too•· .:..tt<:"r 11m1.:r.as1,5 businaslhcludlng ()Oflhne llle•r 'Tile tJS 91 aulhonties momns cmd c:alloJcJ or Bank Unu should subm.l pt01r.SIOn n!u'IO yea· OJ>Clf3llons end e) The Unit stlovl1n1a1nta•n adeQUilte tn:er.<ais sucn >l&lemento; as may llroduce boo If the W•ll pr•or lime e)lp;;ru; hae the Unot s showroorm mspected l)fftclaiS '>f or oual•ft&d a ·tors l1\811sgtlffletllt'l;i ;tta• tis dr other PT1t!S¢ns of th dl Tt>e un.l no: sno.. l(l U1e elusl!ng sliall guarantors be effected ''"thou! pnor approval bQ Cl comput;1d Oraw•ngs •n the al •fll be rt gulateo on 1n as per li1P latest StoCk Stato nt cl In al Dlsbursemenl Wtll be made only alter prescnbed penod' for crealing Cqmpan es·Mlhln
he f<rst dlat'ge on the profi!s of 1h"' \J-'rt IO'h atepaym :mt olrnstatments under Term Loans saoebon\ld I OPGs executeQ bthe Bal'lk or oiher repayment obfigations,Interest end any other Tne partners d·rettom slloUid withdtaw lhe p<or•ls earned In 111.. bus.ness I capital invested 1n1business wrtl'lool meetmg tile payable tn the case of Compan.es o .•oond shoulo be o only friends, arid t or frorn 01ny olhef soorco shoulo not lXI Withdrawn I repaid duMg Iitle currency of the Ban Sultabk stamped from 1110 Urut and Wrthdrawal' etters depositors shoutd be subm•ned to this effec.t tet the Bank ltom lw < yecl prom•ne>•h> the maQ'Imr:r. p,:>Og!:J 1 l)y thecaled 10 ll'le Bon!< premases .·..tle<e t.he use!•hould also be dl&play'OO .n tMUo.t .e 1tots of olle d&ads ,POssess a markotable lll!e 10 !he proper es propO&OO 111 be legafly I equitably mortgaged 1n of the Banks solicrtors I advocates Furtne1 the favour o'the Sa'l. to the sa!Jsfact;Qn and " t11qured at JOU',.1 oropelttes tees stamo outy reg•straloOo ""c.: oonnea10t1 wan 11\e crore and above, Frnarn:lat FoiJow·up o.t S) Repott (FFR 11 s.l'lou!CI be suor111tt6!i a!q< arlerty 111tervats with,, woolo.$/42 days) clos._ of r at!l.>e qt;V.lltFFR II \llalf·:tearly Opttn.o tmg S:.lh:ment) n 8 \01eek5 (55 days) from the close of the ., statements wt be constC\Je(l as r.on relllti\'C h< 't·j' ar Non-ubm l'i 11 A cnerge cf Rs.21469.00!-({) oranch alfollons, hence. Rs 128814.00f-) Will be im\tl); allocalecl to othot bl1tot:lhe5 of ll1u 1&111ed per allocabon of procerw rcspe,tcr c:reu\.on t..,.teosten of Equllabl& Mortgage I of Rs.57, 250/-will be levied xpenses along With ST thereon @ 14 50":4 Rs .2001-pa 400/-subj ct to a WC::, cr itl Rs_ZJ.94.000/-\\.II be Cll:l!Qd annually or at lhe Ume o!renewal lOan sanctioned will be cl'!atnt:d lrl )It tile below SB·10. the nSI< 1'3bng will od hAif·y '"'Y 1"" Unot should prov•dv <'!Oee$$ll') to feol'ltOII.: s-Jth a r w lr• for want of sucll onlcrmatlon.the tsk rat•ng ·.v•ll a...tomati.;altv sp by one step. the 3liovc Iot•c-s-17/09/2016 Tho Ul'llt ::s; one montlnlefota the dU•· dale '"'....". ' "--') • . • Fot.41aFinatlco & I · -· i'V·:--<, n lnlE'OI•w ,, ..J . !li·J''Il For A <k M ,. -,-..._e..._""D"lr lo-t-')/, /, ti• Co:r. •,;!._! ,1. trhlrid u '} ,, .... . . ""'-=--rI ".....,....._:_\... OlreeL ' ...._ · vt.o(; ,._. .,_...A-..,. ..-r.. '" requl!'ed to 1. lnfc; rnnt•on be Cr0011 Rattng awarc:IOO to tile Urnt os •ovra...· me ab6V >oo of 1\alf..yearl)' re> ;eW Nt:.lrc.olte..u, l c;.f fDCI 'SObmrt fmaJ - . - .J ,? IS due oo whlcl'levor ill R$ 80.00 of hm11S tolal char es ol 0.2(1925% trlwr Upfrl.lnt rea at In!.' ra'e o!_NA._ <JI •espth.'t o ' Tt!fm lean Of \) Pfoo:nong Actual m·n101Urn of ,. Rs 1nsp 1on chafges 11, v) ottered n respeet u) Ba1k In iJS co a eral!M;Cilt<ly to 111e B.aro a charge Drarn:h on raspeclor l should Si ad F) sttld A'l'J 1e1"1 <!t,::c!lsuch IIi> a SOliCitors I ao ;ocare·s <ha<g -s. a•1<! oun:r netuentol O.ApeOses mcurred n t.hOukl be IJOr06 by tile Un•t In rllSpeCl ot \ '119 Cl!prtal Llmtls !rom tr · be s..om.ttea a:na f·yeart1rnt':!rvats v ,,th• ,;:;.on of t ce,· : co.ml)l•.am:..,. 01 ne Rs 1 'VI clear a owte arw should :n Of ;::iflr.:ed on and f or tn the p, The Biins name board " ,. obe J machint!li me installed and a · to! suc:h The Uf)lt and olhDf are (0 be •.,181u <;;! as the 'No ; s ad·,anC( l relatiVes mstalment{s) llOI propnetor ! undel' tnc Ten-Ula., 3".er me : r.g •lle'-tne B>'lP"-All of dtposlts from tll rr10nayli m<sed '0)' ,VJ.y lllttora of undo!Wkitlg n) m) After accountJog for prov· s•on !Bxallon. (0(1111! Sank wt1\8 1! t dues kom the Unll to tt1t-Banh
In rf PQCI of Torrn l rate Interest is payable ui1C£or !lie lollowmg :.>o Advomo dev a•1011 by nto u lh«., st:puiateo e Cur ol tile toll:m ng TOL I TNW tams (•) and w) tMest Co\"efage RallO n o In ro)<"..pcct cf oc emcs SUChSwarotga·Crec>! Card. etc the fsCII.1y be covet'CO under 'ollowng !em'$ are applicab!" • passec m 3 or [l">e Soa'O ing ES sa ed Dy the &11i1 attd a duly "rt.lied O•troct lo be Sut>m :·to lhe rne to)(!o-.o ng lur :r.e • Aec.eptance Terrns & Cond.tions of th<J acUol;es 'lllt1tlloooo to :.ne Compan1 or 0rectors I Au;hortsed S gnalory 10 e CJCU:lhe • Kecurtly doturrunllex avalltng the crerlu fao lt&S SS!IC(lOI)e<f IO lM Olr ors f Autoo ed Stgna!ory for filing llw 'fl t-orrn 6 atd 13 w!lh lfle Registrar o cBnu.ntr!llnu u ctlarge over rne astel$ of tile Company II Seat on :'>e sewr•ty au!hentlcatttstJd1 affi lion l thor•tv !O O.'ief thelf P;;rsonal Gl.'1Jran!oo • Corpor •o Gv<> af' til111 favt 1 o' the Ban f01 y • Cro;t oo of '"''on the assets <1flhe Ct>ITIJ)any in fa ur Jlle Cted f CiLU<!s sa '<to 'I eJ l" hCompany In respect e' the 1lm•5 • regoS ered w:m tne Reg;War d o llilln St> daf$ from the dil:e eo( ''.)O Od !dO<! COpies of Fcmt 8 and F':lml 13 !oge:hef W'U\ f'lleetpl ShOOid "J''t!!a\1 .-,lh The Cettf'Ca!e of Reg Stra'JQO to &;S forwr e -ty records !S !» of docurr.e dt l the assets o oorem sflould t be Sii Compan;es bo 1t1 teasonab!.: ·me procf to tlte Sa "\' of to tne C:lmp,an, >OI" or the cred 1 ' Rt';QUcM g It II ouarartors anel!onoa to the Compa< A•r Alii oo of tnc Cont!Ji1ny·s Cctnmt!n and v .. 111r19 of i to dOC\orllente f Cornpanio;; far .r, fU'V<Iut ol 1110 ta•1our or Au• Ill) ' md d lt:t nll!nla A o •llortt)' 10 lavour Cotnvany creot l ol o• Dllet«lfS o1 A rosol llon to b meetmg Company for avail t'-cr!l(l<t raCII.t C BarThe resollitJOO SNltlld CO!llaln P3ftJCular& tne bb) n a Compony bc!f19 the borro-:. ·.lhe c:IM! •' should aa the Group lnsura:Jee Scheme (u) from c.>nt RaiJO l lrl rost ol an> tM) Cl ttcrcst/ nstalmer.t,; nt of at Nor: m b) CRoss ese• of OliOS enhanced 1:1rournstanoos lJ
faeil1l)n. the Guamn\o''( • structure Implement anscheme of I reno11a11on or acqusre any riXed suc{t whsCll afreaoy ank • • •e 3ny schetne of amalgarnalion or reclll\Stru<:Uon. lend or advanrunds to or plate de ·rs assoc;ate I family I subSKJiaJYgI roup curs\f tna e e: "' olld d or • • beHalf of any olrser person t out of Pt'ofsts • that after psov<sooos and prov!Cied furtl'ler th;tt no delault • • thetr setup • the guar3rstora whoa& gua•anlho•te been by the Banlt t s:t•pula' -:r charge • tonc:umbr.lf1eo -ovcr tne aS!Oe!S anC1 propertieS of 1t1e Una ci\Ng' cnarged to 11'1e 8a11'K •'1 1 firm • dispose an)• • tn<ln the &ala of pr..oduce arn>lllQ • r airoooy lO th.s Mtaet subm•lted to Numoor each Bortov.Of (C1N)•n the componl Pa .spof1'!WfT'bel' nlld mner -dutas!s li'ICludlf"lli photocol)Jet· :""" Dnd """',.,.., • or o11 1\ e legal he1rs olBorrowi!r nd Gu'ftarnors ' C'•tatls occupah<lnS "'il:, and a..:lOrllSSI)S. I l.oca\101'1 ( 5JitHT1;,p !){ lffimoYiihiO !)I'Opor!le$ VlllM -'' IV G 111 aoc I Gua aiiiO( r>er 11aswnt Aet:cunl (PAN) at CofJlO(a:e tdent•Y !'l Jrobar Cllse of 3Clf-art<l 'u:l pnc I09f',IP!'I!lOl IJ\e 13orJOV,\tf U1e Bam· <lOl:Vment" are !o berumrshed I a.c) Tre foOo,..•ng J,>artsctolllrs opeoiW, tne deta. ts thereof gsYVI'I to the Ban;.; O >&n ilrf'/ n<:C"...UI't wurs an./he o<nIt •S •'b£' gr11&n m o•a!el·;and a c:onlirmallOn Unde ta!<.: 3ny uaa.ng 9ct•v•ty other own manulactun!'g I tradlllg operatJGM oot of •t& of the hxed asr. :s orr Sell. a!>Sr •n, rr"Grlgage or otherw•se cMrgoo to the Bani< favo1,1r c or pessoo ar y fvrth ben or I Guata otco b e :m1 other bdnk.. Plnanclallns!ituloon. C.reate Effect any c:haogo •n IN.> remuneta•fon p.a abte to the OifectOl'S I Partnen> e1c tLc.r m t•tt IO!'Ill 01 S•lttrst! f*r.or olhe<\vose P ':i •JU;:m to ;r !e;.> comm,f>S<on 1 rurnosncd fo he-·"<<· mns5anctloi'IOO mMagemer1t Elfect drt'/ arast•c Gllange m Yf!'¥ refatu'g lO Oetl3ra CIMdends rcr a·1Y •ear exl:ep rnaJcsng at.dt.<: a:l(J m:cessary l'lao o :curreo In ar>y repayrr.•trlt otWg Uons f11m or eomparty Un<:lliftllke gut rantl!e ob!JgaUOrls on unsecured w.th My nor rn t aeposlls tn Invest t:y way or share oapiiQIor v.i\11 any ott'!ef concern. sncludsng Sil er I concerr•s How;:.ver rl(lrr •a' trade C'I'Cd•t or courtXt cll>u!iuse r. or l!U anto omployeoe can b E111er s.r_. bOrrowing nrr<>ngemenls e:ther seture othef W,rF; srancsal !ns!.tutson company ot I)IH'$On Formula have toct1ernes elq)aASion tMa<" ge sn mo Un•l's i:i!P•tas mademcznuon d111erssf1Catiort 1 assets dultflS any atCtJunung y :c;r e cept f p provod oy the Effocl any lU not Un:t I ab) Dunnq tt>e" c;,f lh!! Bank's cred\1 ,;,thQ\ItthG & " s pr or 1 mussson •n wr llng
ad) OTHER CRITICAL COVENANTS: the ""d'ted 1Man=1 st;>tvmem as on 31 2015 ln'OSI O) 31 10 2015 '"' mg when penalonterest @1% Win be kMed for the t thlt 'nat a\J!Jlted linancials. maJor parameters Ll<o COmpon>• to C!llluro thllt ules PBT/$a'os PAT TNW TOl./l'M\', Current Ra:o etc stiOuld 1'10( <18\'18! .gures Company b close account mallltallleO wtth A• s Bank latt>St by 3 , 2015 Compa y to subm1 C\Jrrent accooo:Slat ls of HDFC a!ld '• The $0les rou!e<:t II'! a v ao.::ounts nl<. ana HDFC Ba es of lhe Company w suDm I qu i ng to the Bar:" o· tn stoc:lt IT'a ·eMutua. F!Jilds NBFC, lCD,reales:ate Vi15 101 undenal\10•: WID be giVen t;y the company 1!lat oll co-.onoma llte I uy lhc Poll\11101"1 ControlBoard are I Nillbe cotnpi1ed With Stopulnt vut A seP«r iiiE' undenat<'ng \viii be g.ven by the co-npany as wei as by tllC.l th:Jt no eons>Ot lat on wtlether bway or comm.s 100. btoorJge &s or ally otllor lorm d br the farmer cr recehteo by thu lallor <J ruttJy or IIV.frte o'lly '' lnterr.hnngent dlly bu!ween lund-based and non-fUnd based llmtts Pl!f 5% oltotalumus.le Rs 4 00 or tt,.. n, x xl on all01'1&d 111 service cliar es lor lssQ,aoce of BMI< Guarantee ftnanctot Covol)ants· P· ramotor Covonanl dotall "l tNW 1 •li 3-2016 'rOL 31·03-2016 31..()3-2016 31-03-2016 PBOIT/1• 499 Details of llm•ts to other branches islin1JProposed coo 0.<0040 040 040 040 050 0.50 04:l 1.90 2.70 Cttntre and Ex 060 alloc tbd st 1 1 · 1 51 l Aa n:w CYrrent Rat.:> Ta rget date -31-0 e t nt ol <, contu&& nt•'"'d to vu 1110 VI rna nta n.:o Wllh I CICI year tnr01.gn tne current sa should no: ex 011013 rt on CtCI aa Ill by more ll\nn 15 from the prov;s.ooalt !he c:urret: qaarterty ba rs The co pany oo•o sector tf ani' A IN!p;)l gunr; nto s te would pai '" II penoa ol 03 ..on nv to sub !lit a
Ocr cabltChars - ---------------------,--------I Existing Rate Card ra te Proposed rate Extent or tTEM I .2394.000f-n SG-75%J n· 0 2S% ul!•satton· utitisalion. 0.25% I ..IIulll 4i'lf I utllllla on 0 50%j less than 50 "'o SO%!on I mmiSSlon R<;lcomml$'5100 ommi25 - :Uoto 5 crOfo.pto Rs 5 Uoto Rs 5 crore I 1 !:"d upto land Rs t O cr I , mu11muml .a. ajloca!JOnot+ST f:)l' aloca110f1 for 7 branches 1 s per Ot 0 pr()perttes. Rs cl'larges ana Max ore! of S. 1 onlyJ rec:ltlli9 f..S'-3 , 500tlt-per recl\ Charge 975% p a 10 cr • - 1f bi!\lf.lt!en nMtmun' ltrn;l 1Qrcha es-=-----4---4 1 concession ('Yo) j Proce$S111g fee 0.225% of entire 0.399'4 of enure wo1:1<11g p1tal 0 29925% of 25-· •"Ork.og entire wo!llln£l capital.1 e. Rs Comrlll!me.n • Betw-een utilisatio 50-75% ·.'"en 50-75 j9etwee NA rhargl's _ 0 25% on onutillz..."d limit on unuttl•limit, Less than 50 'i. Less tnal'l50 ulthsat:on 0 50% on Ul\Ultf•zed hm11 ul•1 •s.all<>!l 0 on un11111JZ&d llmll. \ 26% .l.nlmum,M1nim\JII'I Mtnlmum - 1500 1 !Rs 600+STt-s 6001· I 1 575 % p a!Cte • 2 20 11 65 • <Wtl Rs 5 a - seNM:e talC .P-8 •se•!Qi !all llf'lci uptO Rs Rs 5 cr jAbove Rs.5 cr uptc 'bovo R10 t;rSO%p.a + ST Jl425%p.a. • so 0.975 % p a e Rs 10 ax 16(J%p a +ST \Above Rs 10 Cf 1 20II +ST. /lntetcllangeabl'i10 01c' lho l,m:t 10 01. of tne;Rs 4000f-ITt !(. Hs · Of·•: mawRg 2.0001-m11 . R25 0001-50 0001·1 Ntl lllmrtAJTocatton Rs 150001-pa.Rs2500Ql-pa Rs 150?8200/· 1'"''tto eacl"lol hrnlts· to e 1 tlfanctlbranch. o·tv FarFor'-:!r.::S""QI',-,..,.,U.-..L.."R"-s-::51==-:,2"'50'='"'00i,-·-;---Nt:-l f11arg s 11ovct Rs !1 Cf Rs !i cr +Rs 5000.00Sf M>lle Rs 1145C<ll· · applttable for al 1Beyond5. :[eel!;llt, to b-recowettiO. ;ntaxirllUrn f .o 000 I j 25 .J,AbOI:e fat :Mm Rs 50 OOOijf 2.5 COOf.j,.ST Abovej FBI,orr IS IRs .f.1 cr lp 10Aoovt IQ % unutr:. ed lim11 I % lillllt jon % c-ap•tal
Notvlltnstandmg anything cootaul!.'d here.nabovo. we CO!'fitm that to cancel the hmlts (either full)' or parMlly) the loan accoll'\ts tn any manner whatsoever and'or or cy ma:v; se pvbttsh or disClosed granters ro1se arry d•si)Ute >'lhatsoever 10 thai behalf Compar.y under1ake:> tllat (lone cf 11s directors iS the director r clabon <1f a dtrector of a banlli(lg company ._ • ------ ----P;qc I••I lfl or speciftoo nc:ar (C)· •r• C3ae or non-complllltlof forms an<! CO lcllt•ons or sanctton nl) Tnt-Cred•t lt> 1otmahon Bwoau (India) Ud any otherlilUihorizeo process. lutnt5h for con aratlon or olhef\•nse the mform a tlon to olher credrt and I or data or productprepared by lhem to any pe:son and and conflfms :hal th" Sorrower{s) sh<Jfl not In a11respec:ts and 1:> all tntel'lls ag· The {b) tn car-e o'oetHiorotton '" (a) tn case tne lur.ttslpan ot the limits are not uttlazed ey us anQ!or N!.,.tng a.greeo the Ba""-reserve$ absolute right u.ICO'Y.i•t•ona'') ..11thout pnor noUcij ae)
1n lhst bohalf on ___. th"iihRri.f of D1recloR> pnsSJ.?d Shri
