(a) For HLCs empanelled at Branches linked to Retail Loan Factories: About 5 proposals worth Rs. 1 Crore a month.

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1 Empanelment of Home Loan Counselors (HLCs):- Bank of Baroda, Bihar, Orissa and Jharkhand Zone (BOJZ) invite applications for empanelment as Home Loan Counselors (HLCs) for sourcing Home Loan proposals at Retail Loan Factories and Branches. Eligibility:- Should be an approved agent for selling NSCs/Life Insurance Policies/Mutual Funds / Govt approved Valuers / Chartered Accountants /Tax Consultants. Real Estate Brokers may also be considered depending upon the local standing and reputation Also, any individual (including a builder s representative) who has prior experience of selling Home Loans, mortgage backed products, auto loans, credit/ debit cards, DMAT accounts and any other similar financial products may also be considered for empanelment as HLC. Our Bank s Business Correspondents (BCs) can also be considered for empanelment as HLCs. Age of applicant should be minimum 21 years and maximum age should be 55 years. Should be local resident, at least matriculate and able to communicate effectively in local language and English. Should be having mobile phone facility. Should operate from his place. Bank will not provide any office. Job profile: Obtain leads on Home Loan requirements of individuals from various sources, viz. builders, municipal approvals, BOB branches etc. Meet intending Home Loan borrowers at a place and time convenient to them and explain Bank of Baroda s Home Loan product details. Fill in Home Loan applications and obtain all the requisite documents and deliver these to the RLF/Branch for further processing. Follow up the application till sanction. The role of HLCs will be limited to the sourcing of proposal only. KYC verification, Pre-sanction inspection, appraisal, documentation, disbursement and Post-sanction inspection etc in respect of Home Loans are to be done by the Bank s RLF/Branch. Business target HLC is expected to bring in: (a) For HLCs empanelled at Branches linked to Retail Loan Factories: About 5 proposals worth Rs. 1 Crore a month.

2 (b) For HLCs empanelled at Branches not linked to Retail Loan Factories: About 5 proposals worth Rs. 50 lacs a month. If the HLC fails to bring in a minimum business as under in every 6 months period, his services will stand automatically terminated. (a) For HLCs empanelled at Branches linked to Retail Loan Factories: Rs. 2 Crore. (b) For HLCs empanelled at Branches not linked to Retail Loan Factories: Rs. 1 Crore. However, he/she will be paid fee for the proposals already mobilized. If the HLC fails to reach the minimum target in a particular month, the numbers booked in the month will be rolled over to the next month and added to next month s performance. Although the contract is valid for 6 months, there will be review at the end of every two months and if the targets are not achieved, the contract may be terminated with one month notice. Fee for sourcing Home Loan proposal: Fees payable to HLCs on first disbursal of the Home Loan are as under: (A) For sourcing of Home Loan applications: i) 0.25% of the loan amount for limits below Rs. 50 lacs. ii) 0.30% of the loan amount for limits of Rs. 50 lacs and above. iii) For takeover of loan below Rs. 50 lacs : 0.30% of the loan amount. iv) For takeover of loan Rs. 50 lacs and above: 0.35% of the loan amount. In all the above cases, the maximum fee will not exceed Rs.50,000/- per proposal. (B) HLCs sourcing loan proposals aggregating Rs.5 Crores or more per month: 0.35% of total home loans sourced during the month subject to maximum of Rs. 50,000/- per proposal. (C) For sourcing of project approval proposal along with necessary papers: Rs.200/- per flat/unit in the project, subject to a maximum Rs.10,000/- per project. The official approving the project will be authorized to sanction such expenses. Fee is inclusive of Service tax and any other tax, if applicable/ payable/ deductible. Tax as applicable would be deducted at source. The fee will be paid after conversion of the leads into business. i.e, on first disbursal of the loan. Fee will be paid on monthly basis on first week of following month. No other payment will be made to HLC in the form of salary/ allowance/ out-of-pocket expenses etc. With the introduction of Baroda Home Loan Suraksha Personal Loan Scheme for funding the premium amount under Group Credit Life Insurance, it may be clarified that:

3 i) The fee payable to HLCs may include the Baroda Home Loan Suraksha Personal Loan limit. The aggregate fee calculated at the rate mentioned above of both Home Loan and Suraksha Personal Loan Limit is subject to maximum amount mentioned above. ii) The aggregate fee thus calculated shall be shown separately so as to highlight that the HLCs are getting fee for Baroda Home Loan Suraksha Personal Loan account also. iii) No fee is payable on Baroda Home Loan Suraksha Personal Loan account sanctioned subsequent to sanction and disbursement of Home Loan. Terms of empanelment: Purely temporary. The candidate has to submit his/her bio-data along with copies of photo identity proof, residential and permanent address proof, details of previous experience with experience certificate/proof if any. Reference of two reputed persons in the area where he resides to be obtained from the HLCs along with Bio-data. Candidates will submit their bio-data in response to the notice to the respective Regional Office only. Verification of personal documents, visit of residence and enquiries about the HLCs will be made by RLF/Branch Head before empanelment. Empanelment of HLCs will be done through entering into an Agreement cum Indemnity instead of exchange of a letter. The Agreement cum Indemnity should be stamped in accordance with the Stamp Act in force in the State. A photo ID card with validity date mentioned on it will be issued by the Regional Office to HLC. HLC will be required to display ID card prominently while dealing with a potential customer on behalf of the Bank. However, the HLCs shall not be permitted to use the Bank s name or logo on their signboards, name-plates, visiting cards, stationery, etc. Training: All newly recruited HLCs will undergo One Day Training Programmes at Regional Office/ RLF to educate them about our Products, Processes and the basics of Marketing. The salient features of Margin, LTV, income criteria, calculation of Loan Eligibility, Group Life Insurance coverage, etc shall be clearly explained to them. All newly recruited HLCs will be attached to an RLF/Branch for one month for handholding purpose. Information regarding any changes in the Home Loan products will be properly intimated to HLCs by the RLF /Identified Branch through personal communication/brochures. Participation in Home Loan Expos/ Melas and other promotional events: A few top performing HLCs may be involved in Home Loan Expos/Melas and other promotional events organized.

4 Other Guidelines: No sub agents will be allowed by the HLCs to carry out his activities. Code of conduct for recovery agents, to the extent as applicable, as contained in the Model Policy on Collection of Dues and Repossession of security shall also be applicable for Home Loan Counselors (HLCs). HLCs may also be attached to the approved Builders to source Home Loan proposals. However, no fee will be paid to HLCs for Home Loan proposals directly submitted by the Builders/ their Executives where the Bank is required to pay payout/service charges to the Builders/their Executives. The Bank reserves its right to scrutinize/shortlist the applications at its end and also to cancel/reject the empanelment at any time without assigning any reason(s). For more details, Please contact respective Regional Office.

5 Areas Covered under Regional Offices: Patna Regional Office Following -11- districts: Buxar,Bhojpur, Patna, Nalanda, Kaimur, Rohtas, Arwal, Aurangabad, Jehanabad, Gaya & Nawada Address: The Regional Manager, Patna Region, 4 th Floor, Anand Vihar, West Boring Canal Road, Patna Person: Mr. Atul Khare, Regional Business Development Manager (RBDM) Mob. No.: Muzaffarpur Regional Office Following -12- districts: Gopalgang, Siwan, Saran, Vaishali (Hajipur),West Champaran, East Champaran, Sheohar, Sitamarhi, Muzaffarpur, Madhubani, Darbhanga & Samastipur Address: The Regional Manager, Patna Region, 4 th Floor, Anand Vihar, West Boring Canal Road, Patna Person: Mr. Sanjeev Kumar Bhaskar, Regional Marketing Manager(RMM) Mob. No.: Purnea Regional Office Following -15- districts: Kishanganj, Begusarai, Saharsa, Supaul, Madhepura, Araria, Purnea, Katihar, Bhagalpur, Banka, Khagaria, Sheikhpura, Munger, Jamui & Lakhisarai Address: The Regional Manager, Purnea Region, Bhatta Bazar, K- Hat Road,Khiru Chowk,PO- Bhatta,Pin Person: Mr. Uddhava Kumar, Sr. Manager(Credit) Mob. No.:

6 APPLICATION EMPANELMENT OF HOME LOAN COUNSELORS (HLCs) To, The Regional Manager, Bank of Baroda, Regional Office,. Sir, PASTE (not staple) A RECENT PASSPORT SIZE PHOTOGRAPH HERE AND SIGN ACROSS IT IN FULL WITH DATE RE: APPLICATION FOR EMPANELMENT OF AS HOME LOAN COUNSELOR (HLC) IN BANK OF BARODA I submit herewith my application for the post of Home Loan Counselor in Bank of Baroda. I have read the Role and Terms & Conditions relating to the post and advise that they are acceptable to me. 1. Full Name Shri/Smt/Kum (in Block Letters, as per degree certificate) First Name: Middle Name: Last Name: 2. Father's / Husband's Name:- First Name: Middle Name: Last Name: 3. PAN: 4. Details of Bank Account where the remuneration should be credited (Bank of Baroda accounts will be preferred): Name of Bank: Branch: A/c No. : IFS Code:

7 5. Candidates address where he/she normally resides/ will reside wherefrom he/ she will perform his/ her duties after selection. (IN BLOCK LETTERS) (As mentioned in the Address proof to be submitted) District: PIN: State: Phone No. with STD code: Mob. No.: 6. DATE OF BIRTH: (DD/MM/YYYY):_ 7. Category (SC/ST/OBC/GEN): 8. Educational Qualification: Matriculate Higher Secondary Graduation Post Graduation Other Name Of Institution Year of Passing Percentage of Marks Obtained 9. Current Job Profile/Previous Experience: Sr. No. Name of Institution Working As/Job Profile Started Working on (DATE) Worked Till (DATE) Total Experience (in Years)

8 10. Languages Known- Language Read Write Speak Understand a) [ ] [ ] [ ] [ ] b) [ ] [ ] [ ] [ ] c) [ ] [ ] [ ] [ ] 11. Declaration I hereby declare that 1) No punishment / penalty was inflicted on me during my previous/current service. 2) No case of CBI or any other Law Enforcement Agency is pending against me and 3) I am physically fit to carry out duties of the Home Loan Counselor including continuous travel. I further declare that all statement made in this application are true, complete and correct to the best of my knowledge and belief. I understand that in the event of any information being found untrue or incorrect at any stage of my not satisfying any of the eligibility criteria according to BANK OF BARODA, my candidature is liable to be cancelled. Place: Signature Date: Name of Candidate:

Empanelment of Home Loan Counselors:

Empanelment of Home Loan Counselors: Bank of Baroda, Mah & Goa Zone invites applications for empanelment as Home Loan Counselors for sourcing Home Loan proposals at Retail Loan Factories and Branches.