Product Information. Facilitator

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1 Aapke Ujwal The Swarna Mudra plan offers ustomers a plan to aumulate Swiss Gold Grams at periodi intervals and at the end of the term offer fulfillment in 24 Carat Swiss Gold Coins of 99.99% purity. The plan also omes with the added benefit of a free Life risk over. Brought to you by Logistis Provider Failitator Surat Diamond Jewellery Pvt. Ltd. Vasant Vilas, 5th Floor, 31 Dr. D.D. Sathye Marg, Near Girgaum Portuguese Churh, Mumbai Reliane Infrastruture Finane Pvt. Ltd. H. Blok, 1st Floor, Dhirubhai Ambani Knowledge City, Opp. Khoparkhairane Railway Station, Navi Mumbai RMP Info Te Private Limited, No 100, Mahalingapuram Main Road, F1 Apollo Dubai Plaza Chennai Produt Information Feature Eligibility Minimum Initial Advane Minimum Monthly Advane Tenure Lok-in Period Gold Coin Purity Gold Coin Denominations Gold Prie Gold Grams Allotment Payment Modes Desription Any resident Indian Individual inluding minors and HUFs ` 12000/- and in multiples of ` 1000/- thereafter ` 2000/- and in multiples of ` 1000/- thereafter 3 / 5 / 7 / 10 years 12 months. Customer annot fulfill within the lok-in period. 24 arat imported Swiss Gold Coins of 99.99% purity 0.5 / 1 / 5 / 8 / 10 gm Gold Prie to be delared daily by am on business/working days Allotment of Gold Grams will be up to 2 deimal points round down based on the prevailing Gold Prie as on the date of realization of funds in the bank aount of Surat Diamond Jewellery Pvt. Ltd. ECS/Diret Debit. Initial Payment by DD Minimum Purhase Value ` 60,000/- promotional offer for 9 month. ` 75000/- from 31/03/2013 Charges & Fees Proessing Fee of Rs. 150/- to be levied in ase of ECS/Diret Debit boune or failure to realize DD Fulfillment Related Payments Pre-Mature Termination fee shall be payable in ase of pre-mature fulfillment in ase the umulative advane amount paid by the ustomer is less than the Minimum Purhase Value Fulfillment Within Post 12 Months Post 24 months 12 Months but before 24 months Pre-Mature Termination Fee Not Allowed ` 8000/- ` 5000/- The ustomer will have to make the following payments at the time of fulfillment Rounding off to the nearest inremental 0.5 grams at the prevailing Daily Gold Prie Taxes suh as VAT and any other appliable State taxes Eligibility For Risk Cover Resident Indian Individuals between the Age of 18 and 44 Sum Assured Max. Risk Cover Risk Cover Start Date Risk Claim Settlement Swaramudra Website On pending Monthly Subsriptions ` 10 lakhs 3 month from the Start of the Plan Risk Claims will be settled only in the form of Gold Coins

2 Terms and Conditions 1. Swarna Mudra (hereinafter referred to as "the Plan",) is promoted by Surat Diamond Jewellery Pvt. Ltd. ("hereinafter referred to as "the Company",) to enable systemati and disiplined purhases of Gold by Individuals for their personal requirements. At the same time it provides a omplementary Risk over to take are of pending Swarna Mudra Payments in ase of untimely demise of ustomer 2. The Plan is NEITHER a finanial produt NOR a deposit but a method of aumulating gold for the personal needs of the ustomer. The Company offers no investment advie or any assured returns while promoting the Plan. 3. Partiipation in this plan is voluntary on the part of the ustomer. The Plan is NON TRANSFERRABLE and delivery of Gold at the time of fulfillment would be made solely to the ustomer/his nominee in Person. 4. The Gold Coins offered under this plan are 24 Carat imported Swiss Gold Coins of 99.99% purity in tamper proof pakaging with international assay ertifiation and are offered in denominations of 0.5gm, 1 gm, 5gm, 8gm and 10gm (the Gold Coins). The Company will not be responsible for any omplaints whatsoever in respet of the Gold Coins, one they are sold and delivered to the ustomer. The Company shall not aept requests for exhange of Gold Coins one fulfillment is done under this Plan. 5. Partiipation under this Plan is open to resident Indian Individuals inluding minors (through their guardians) and Hindu Undivided Families (HUF) only. 6. By partiipating in this plan the ustomer is deemed to have read, understood and aepted the Terms and Conditions of the Plan as ontained herein. These Terms and Conditions are binding on the ustomers upon their signing the Appliation Form and tendering payment thereof. 7. Advane Payment Details a. Customers are required to indiate their hoie of tenure and monthly advane amount at the time of filling the appliation form. b. The various tenures available under the Plan are 3 / 5 / 7 / 10 years.. There is a lok-in period of 12 months under the Plan. Customer annot redeem before the ompletion of the lok-in period. d. The initial advane amount that the ustomer has to pay at the time of registration is ` 12000/-. e. The minimum monthly advane amount whih the ustomer has to ommit at the time of registration shall be ` 2000/- and in multiples of ` 1000/- thereafter. f. By registering under this Plan the ustomer is ommitting to make advane payments equivalent to the Minimum Purhase Value, whih is an amount of ` 60,000/-. Customer will have to pay a Pre-Mature Termination Fee on any fulfillment less than the Minimum Purhase Value as speified in the Pre-Mature Fulfillment Setion. For example, in ase the ustomer has made a umulative advane payment of ` 34,000 at the end of 12 months and now wants to avail fulfillment, then the ustomer shall need to make an additional advane payment of at least ` 26,000 to redeem Gold Grams without paying a pre-mature termination fee. g. The ustomer annot hange the Monthly Advane Amount and the Tenure seleted at the time of registration. However, the ustomer may make additional advane payments of a minimum of ` 2000/- and in multiples of ` 1000/- thereafter. Example: If the ustomer has ommitted a monthly advane amount of ` 2000/- then at the end of the 3rd month the ustomer would have paid an initial advane of ` 12,000 and 2 monthly advane payments of ` 2000/-, whih is a total of ` 16,000. The ustomer in the 4th month an make an additional advane payment of ` 5000/- over and above the monthly advane payment of ` 2000/- h. The remittane of the initial advane amount shall be made by a single DD payable in Chennai. DD payable at any other loation shall not be aepted. DD should be rossed Aount Payee and drawn in favor of Surat Diamond Jewellery Pvt. Ltd.. DD harges will not be borne by the Company. I. The remittane of the subsequent monthly advane amounts shall be via ECS/Diret Debit mode ONLY for whih the ustomer will have to sign an ECS/Diret Debit Mandate at the time of Registration. 8. Customer ID a. A Customer ID will be generated within 15 Business Days of the date of submission of the Appliation Form at the Offiial Points of Presene. Appliation Forms reeived after 4.00 pm on any business day shall be deemed to have been submitted only on the next business day. The Customer ID shall be reated subjet to (i) the appliation form and the supporting douments being valid and aeptable, and (ii) realization of the DD towards initial advane. b. Customers shall be intimated by /sms on (i) realization of the DD and (ii) upon reation of Customer ID.. The ompany shall not aept requests for transfer or assignment of any payment made by the ustomer. 9. Rejetion of Appliation a. No requests for refund of Advane amount shall be aepted one the Appliation Form has been reeived at any of the Offiial Points of presene and is under review. b. The Company reserves the right to rejet any appliation on any ground for non ompliane of requisite norms. However, one the appliation is aepted the advane amount paid by the ustomer under the Plan shall not be refunded. 10. Gold Prie and Gold Grams Allotment a. The Daily Gold Prie offered by the Company under this Plan may be different from that available in the open market or at any other retail outlets. The daily prie at whih the Gold grams are redited to the ustomer shall be up to two deimal points. b. Gold Grams shall be redited to the ustomer s aount on T+1, where T is the date of realization of ustomer payment to the Company.. Gold Grams up to 2 deimal points rounded down shall be redited to the ustomer s aount by dividing the advane amount paid by the ustomer by the Daily Gold Prie. d. Gold Prie shall only be published on Business Days. A Business Day means any day other than Saturday or Sunday or a day delared as holiday under the Negotiable Instruments At, 1881 or a day on whih normal business ould not be transated due to storms, floods, bandhs, strikes, riots or any other events as the Company may speify from time to time. e. In ase of erroneous redit of Gold Grams the same shall be reversed. 11. Customer Communiation a. It is mandatory for the ustomer to provide his/her mobile phone number. Customer should also preferably mention a valid ID in the Appliation Form. Upon enrollment in the Plan, the ustomer shall be sent a Welome Letter and Frequently asked questions on his/her ID. b. The ustomer shall be sent a Statement of Holding to his registered ID on a monthly basis. The Statement of Holding shall reflet the monthly/additional advane amounts paid by the ustomer and the Gold Grams aumulated during the relevant period. 12. Know Your Customer (KYC) Compliane a. Customers shall provide self attested opies of aeptable proofs of identity and address b. A self ertified opy of the PAN ard of the ustomer (designated guardian in ase of a minor) shall be mandatory to be submitted with the appliation form in ase the umulative advane payments made by the ustomer under the plan exeeds an amount of ` 5 lakhs anytime during the tenure of the plan or a monthly advane payment greater than or equal to ` 50,000/- is made. 13. Nomination a. Nomination is mandatory for ustomers under the Swarna Mudra Plan. b. Minor an be nominated and in that event, the name, address and signature of the guardian of the minor shall be provided by the ustomer. However, the ustomer annot be a designated guardian for a minor nominee. Guardian on behalf of the minor should either be a Natural guardian (i.e. father or mother) or a ourt appointed Guardian.. In the event of death of the ustomer, the nominee (or the designated guardian of the nominee in the ase a nominee being a minor) an take delivery of aumulated gold under the Plan. In suh ases, the nominee (or the designated guardian, as the ase may be) needs to provide (i) proof of identity bearing his/her signature, and (ii) the death ertifiate of the ustomer. 14. Fulfillment Proess a. Customer an request for Fulfillment in the form of Gold Coins from any of the designated branhes offering fulfillment under the Swarna Mudra Plan. Under no irumstanes ash or ash equivalents shall be made available to the ustomer upon fulfillment. b. At the time of making a request for Fulfillment, the ustomer has to speify the (i) the denominations of gold oins and (ii) the designated branh from where he /she shall take delivery of the gold oins. At the time of making the Fulfillment request the ustomer shall be intimated of the fulfillment related payments to be made towards (i) rounding off the aumulated gold grams to the nearest higher 0.5 gram, and (ii) the appliable taxes on the Gold Coins being fulfilled. The prie of Gold Grams purhased for rounding off purpose shall be at the rate prevailing on the day of suh purhase. Customer shall pay Cheque / DD (subjet to realization) towards the fulfillment related payments so alulated. d. One the Customer has plaed a fulfillment request, the Company will not aept any hanges thereafter. e. Customer shall be issued a Fulfillment Vouher upon making the fulfillment related payments. f. The Fulfillment Vouher shall only be ativated on suessful realization of the fulfillment related payments. g. Physial delivery of the gold oin(s) along with Sales Invoie at the designated branh mentioned by the ustomer shall happen by the 15th of next month for all fulfillment requests plaed during the previous alendar month. h. At the time of olletion of gold oins, the ustomer shall ome in person and shall provide a opy of his/her photo ID proof along with the Fulfillment vouher issued by the Company. If the ustomer is a minor, then the Guardian shall aompany the minor and a opy of the Guardian s Photo ID proof shall be required. 15. Pre-Mature Fulfillment a. Fulfillment during the lok-in period is not allowed. b. Customer an request for a Pre-mature fulfillment post lok-in period but before the ompletion of the hosen tenure.. A Pre-Mature Termination fee shall be payable as per the below table in ase of pre-mature fulfillment and in ase the umulative advane amount paid by the ustomer is less than the Minimum Purhase Value (as defined under the Advane Payment details setion) Fulfillment Within 12 months Post 12 months Post 24 months but before 24 months Pre-mature Termination Fee Not Allowed ` 8000/- ` 5000/- 16. Periodi Payment Details a.there should be a gap of minimum 30 days between the 1st monthly advane payment date and the aount opening date i.e. the initial advane payment date. If the number of days between initial advane payment date / aount opening date and 1st monthly advane payment date are less than 30 days, then the 1st monthly advane payment will start from next month. Initial Advane Payment Date / Customer Opted for 1st Monthly Advane Payment Date Aount Opening Date 21-May Jun Jul-2012 b.post Dated Cheque I. Post Dated Cheque (PDC) an be submitted in the plae of an ECS/Diret Debit mandate ii. All PDCs under Swarna Mudra should be of same Monthly subsription Amount iii. Customer will provide the required number of PDC as per tenure opted by him/her. Eg. If ustomer has opted for tenure of 36 month, then ustomer will provide 35 PDCs. All PDCs have to be onsistent in terms of amount, drawee bank, signature, bank aount number. The PDCs need to be from a bank aount where the appliant is the sole/ primary aount holder. iv. Monthly Subsequent Cheques should be dated 10th or 20th. for example if an investor wishes to have a monthly subsription of ` 2000/- eah for 35 months. Starting from Jan 2013 to Nov i.e ustomer enrolled in plan on 5th Jan PDCs of equal amount i.e. ` 2,000/-. All these heques should bear the same date of different months (10th or 20th of a month) v. All PDCs to be drawn in favour of Surat Diamond Jewellery Pvt Ltd & rossed A/C Payee Only. All PDCs issued by the ustomer should be multi-ity/at par(cts-2010) Standard Cheques as per RBI instrutions. Monthly subsriptions will not be registered if the ustomer submits non-cts-2010 standard heques. vi. Customer ID and plan name to be mentioned on reverse of all PDCs vii. In ase of rejetion of Appliation the PDCs shall be returned to the postal address of the ustomer as stated in the Appliation Form vii. Returned / Dishonored heque will not be presented again for olletion ix. In ase of pre-mature fulfillment balane PDCs (if available) will be returned to the Customer x. Customer to ensure there are no alterations/anelations on any of the PDCs. xi. The gap between initial DD & first PDC should be at least 30 days. 17. ECS/Diret Debit Canellation/Rejetion a. If the ECS mandate is delayed or not effeted at all for reasons of inomplete or inorret information or due to any other reason attributable to intentional misrepresentation of information on the part of the ustomer, then the Company shall rejet suh appliations. In suh a ase, the Company shall be levying a penalty harge of ` 1000/-. The ompany shall also be issuing a letter to the ustomer requesting the ustomer to provide a duly signed opy of his/her bank details wherein the Company an refund the remaining amount. b. Customer an request for a disontinuation of the ECS/Diret Debit instrution in writing at least one month prior to the next due date of the ECS/Diret Debit.. If the Customer has not requested for a disontinuation of the ECS/Diret Debit and the Debit transation is delayed or not effeted at all for reasons of inomplete or inorret information or due to any other reason attributable to learing settlement mehanism then an operational harge of ` 150/- will be levied against the Customer ID. Suh Operational Charges will be reovered by deduting equivalent gold grams as per the prevailing Gold Prie in the system. 18. In ase the ustomer wants fulfillment without paying the Pre-mature terminal Fee or any fulfillment related payments, then all suh harges shall be adjusted against the Gold Grams aumulated in the ustomer s aount. The Gold Grams shall be reversed equivalent to suh harges as per the prevailing Daily Gold Prie under the Swarna Mudra Plan. 19. The Gold Coins offered under this plan are subjet to the taxes, levies, harges as appliable from time to time. 20. The Company reserves its right to alter, amend, add or delete a part or whole of the plan upon prior written notie of at least 2 months and with an option to the ustomer to redeem the gold oins immediately thereafter. Company also reserves its right to disontinue the plan any time after 3 years of launh of the plan by providing prior written notie of at least 2 months and in suh an event no new payment will be aepted and all fulfillment requests of the existing ustomers of the plan will be proessed as per the above terms and onditions immediately on suh disontinuation. However, no suh alteration, amendment, addition or deletion in the plan shall be effeted before ompletion of 3 years from the date of subsribing the plan by a ustomer. 21. Reliane Infrastruture Finane (P) Ltd. is only a provider of logistis assistane to the Company. 22. The Company reserves its rights to share the ustomer related information with the authorized servie provider, logistis provider and other related entities for better serviing the ustomers. 23. Life Risk Cover a. Life Risk Cover is appliable only to resident Indian Individuals between the age of 18 and 44 as per the next birthday. Life Risk Cover beomes effetive subjet to aeptane of the Simple Health Delaration Form and satisfation of the appointed Life Insurer in all respet and post realization of the first 2 monthly advane payments. Risk over will not beome effetive in ase the ECS Mandate gets rejeted or the first 2 monthly advane payments are not realized. Date of Birth Date of Registration Risk Cover Ativation Date Age at the time of Risk Cover Risk Cover Ativation 10th Ot st July th Sept Ativated 10th Ot st July th Sept Not Ativated Aeptane or Rejetion of Life Risk will be based upon the information provided in Simple Health Delaration Form & is at omplete disretion of the appointed Life Insurer. If the Risk over of the lient is rejeted by appointed Life Insurer due to any reason then the lient will not be eligible for Risk over. b. Risk Cover Subjet to the terms and ondition herein, Clients under the Plan will be overed under the Group Term Assurane Poliy issued by the appointed Life Insurer. Eah lient will be provided the opy of Certifiate of Life Risk Cover (COR), one the Risk over beomes appliable. Client is required to keep the safe ustody of COR as in ase of death of the lient; the benefiiary will be required to produe original COR along with other required doument as per Insurane Company's poliy for settlement of laim.. Risk over will ease due to following reason: i. The ustomer fails to make 3 onseutive monthly advane payments anytime during the tenure of the plan post ativation of Insurane over. ii. The umulative advane payments of the ustomer beome greater than the Sum Assured arrived at when the risk over beomes effetive before the ompletion of the tenure. For example, in ase a ustomer ommits a monthly advane payment of ` 2000/- for a 10 Year term at the time of Registration, then post realization of 2 subsequent monthly advane payments the Risk Cover beomes effetive for the remaining 118 months of the 10 year term whih is equivalent to a sum assured of ` 2,36,000 (118 months x ` 2000). In ase the ustomer s umulative advane payments beomes ` 2,36,000 by the end of the 7th year then Risk Cover in suh a ase will ease. iii. Note: The Risk over annot be renewed in any ase if the same is terminated due to any reason mentioned as above. Calulation of Assured amount under the risk over. d. One the Risk over is appliable to the lient, the assured amount will be the Sum Assured arrived at, at the time of registration, minus the Cumulative Advane Payments made, subjet to a maximum of ` 10 lakhs. e. All laims and settlement of laim for the Risk overed under the Plan will be subjet to the COR. f. In ase of death of the lient, the nominee has to inform us within 3 months of the death of lient. Nominee needs to file the laim along with the required doument for laim settlement as per the Insurane Company's poliy. g. If the laim is filed after 3 months of death of lient, same shall be subjet to investigation by the appointed Life Insurer. h. The Risk overage annot be laimed in ase of death of the lient happens due to the following reason: i. Death due to suiide ii. Death due to pre-existing onditions (No laims are payable for deaths due to sikness, diseases or aident whih has ourred prior to the start of the over). iii. Death during waiting period (No laims are payable for deaths ourring within 90 days of the Risk overage beome appliable exept for death due to aident). i. The assured amount under the Risk over will be alulated from the date of death. j. The ustomer will be able to plae a fulfillment request only upon suessful settlement of the Claim by the appointed Life Insurer under the said Risk Coverage. k. While settling a laim under the Risk Coverage, ustomer will be given equivalent gold grams as per the prevailing rate of Gold in the system at the time of plaing fulfillment request. 24. Disputes, if any, are subjet only to the jurisdition of the ourts at Mumbai.

3 APPLICATION FORM Powered by Aapke Ujwal Paste your latest photograph with signature Distributor Name & Code Sub Agent Code For Offie use only Customer Details This appliation form to be ompleted in English with blak ink BLOCK LETTERS only Date* D D M M Y Y Y Y Name* Mr./Ms./Mrs. Status (Please ) Resident Individual On Behalf of Minor Guardian Name Mr./Ms./Mrs. (if appliant is below 18yrs) Guardian named above is : Father Mother Court Appointed Date of Birth* D D M M Y Y Y Y Address City* Distrit State* Tel. Mobile Know Your Client Details Pinode PAN Copy of PAN attahed Address Proof Telephone Bill Voter Identity Card Eletriity Bill Passport Driving Liense GAS Bill Registered Lease / Sale Agreement of residene Ration Card Others, please speify Bank Passbook Bank a/ statement Proof of address issued by any of the following: Bank Managers of Sheduled Commerial Banks/Sheduled Co-Operative Bank/Multinational Foreign Banks/Gazetted Offier/Notary Publi/Eleted Representatives to the Legislative Assembly/Parliament/Douments issued by any Govt. or Statutory Authority. (**) Identity ard/ doument with proof of address issued by any of the following: Central/State Government and its Departments, Statutory/Regulatory Authorities, Publi Setor Undertakings Sheduled Commerial Banks, Publi Finanial Institutions, Colleges affiliated to Universities, Professional Bodies suh as ICAI, ICWAI, ICSI, Bar Counil et., to their Members. The proof of address in the name of the spouse may be aepted Please submit ID proof and Age proof & tik below (by Appliant not submitting PAN ard proof) Driving Liense Voter Identity Card Other ID proof Please Speify Tenure* 3years 5years 7years 10years Initial Advane Amount DD Dated D D M M Y Y Y Y ` Passport Initial Advane Payment Details DD Number Drawn On Other Age proof Please Speify (*)Identity ard/ doument with appliant's photo, issued by any of the following: Central/State Government and its Departments, Statutory/Regulatory Authorities, Publi Setor Undertakings Sheduled Commerial Banks, Publi Finanial Institutions, Colleges affiliated to Universities, Professional Bodies suh as ICAI, ICWAI, ICSI, Bar Counil et., to their Members, Credit Cards/Debit Cards with photograph issued by banks Monthly Subsription o ECS / Diret Debit o PDC** Monthly Subsription Details Monthly Subsription Amount (`) The below details to be filled only in ase of PDC option Instrument Nos. Date No. of PDCs Bank Name, Branh A/ Type to to Swarna Mudra is a Gold Aumulation Plan. The Plan is neither a finanial produt nor a deposit and does not give any yield, interest or return o Savings o Current to to o Savings o Current **PDC to be drawn in favour of Surat Diamond Jewellery Pvt Ltd. Customer ID.to be mentioned on reverse of all PDC.

4 Nominee Details Name* Mr./Ms./Mrs. Appointee / Guardian Name Mr./Ms./Mrs. (if nominee is below 18yrs) Guardian named above is : Father Mother Court Appointed Date of Birth* D D M M Y Y Y Y Address City Distrit State Tel. Mobile Relationship with Customer Pinode Delaration & Signature I propose to enrol for Swarna Mudra, subjet to terms & onditions of the produt brohure as amended from time to time. I have read and understood (before filling appliation form) the terms & onditions mentioned in the produt brohure, and I aept the same I have neither reeived nor been indued by any rebate or gifts, diretly or indiretly, while enrolling to Swarna Mudra. I delare that the advane payment proposed to be remitted in Swarna Mudra will be from legitimate soures only and will not be with any intention to ontravene/evade/avoid any legal/statutory/regulatory requirements. I understand that Surat Diamond Jewellery Pvt. Ltd., may, at its absolute disretion, disontinue any or all of the servies by giving prior notie to me. I authorize Surat Diamond Jewellery Pvt. Ltd to debit my ustomer ID with the servie harges as appliable from time to time. I hereby authorize the aforesaid nominee to reeive all the gold arued to my redit, in the event of my death. Signature of the nominee aknowledging reeipts of the proeeds of Swarna Mudra shall onstitute full disharge of liabilities of Surat Diamond Jewellery Pvt. Ltd. in respet of my ustomer ID Date D D M M Y Y Y Y Plae Signature / Thumb Impression of Customer Filled Copy of Swarna Mudra Appliation Form Signed by the Customer Blank Copy of Swarna Mudra Appliation Form Signed by the Customer DD of Rs. 12,000/- drawn in favor of Surat Diamond Jewellery Pvt. Ltd. and rossed A/ Payee and payable at Chennai Filled Copy of ECS/Diret Debit Mandate Form Signed by the Customer Canelled Copy of Cheque whose A/ number mathes the A/ mentioned in the mandate Filled Copy of Simple Health Delaration Form Signed by the Customer Self Attested Copy of Customer Identity Proof Self Attested Copy of Customer Address Proof Self Attested Copy of Customer Age Proof Chek List of Douments to be submitted Instrutions 1. Please read the produt brohure of Swarna Mudra arefully before enrolling. All appliants are deemed to have read, understood and aepted the terms subjet to whih this offer is being made and bind themselves to the terms upon signing the appliation form and tendering payment 2. The appliation form must be filled in English in BLOCK letters using blak or dark blue olored ink. Inomplete appliations are liable to be rejeted. Please tik in the appropriate box for relevant options wherever appliable. Please do not overwrite. For any orretion / hanges (if any) made, the primary appliant is requested to authentiate the same by aneling and re-writing the orret details and ounter-signing the same. Please refer to the heklist at the bottom of the appliation form to ensure that the requisite details and attahments have been provided. This will help in avoiding proessing delays and / or rejetion of your appliation form 3. The appliants' name and address must be given in full (P.O. Box No. alone is not suffiient). This will be used for orrespondene/ontating the ustomer. If the Appliant is a minor, the name of the guardian who will sign on behalf of the minor should be filled in the spae provided. Please fill in your date of birth as this may be required for validating your identity for ertain transations/ommuniation. Also, please provide Telephone No./ Id of the Appliant, so as to failitate faster and effiient ommuniation 4. PAN Requirements: PAN shall be mandatory in ase the Monthly Subsription Advane is greater than ` 50,000/-. PAN shall also be mandatory in ase the total advane amount exeeds an amount of ` 5 lakh anytime during the tenure of the Plan. 5. Nomination is a mandatory requirement for all appliants. Nomination an be hanged at anytime during the tenure of the Plan. 6. Signatures should be in English or in any other Indian language. Thumb impressions must be attested by a Judiial Magistrate/Notary Publi under his/her offiial seal. In ase of HUF, the Karta should sign on behalf of the HUF 7. The Appliant annot be the Guardian in ase a minor is being nominated.

5 Powered by Aapke Ujwal Eletroni Clearing Servie RBI-ECS Debit / Diret olletion Mandate form I / We the aount holders with the Bank as per details below hereby request and authorise the Bank to aept this ECS mandate exeuted by me/ us in favour of M/s Surat Diamond Jewellery Pvt. Ltd. and submitted by them or through their authorised servie provider under RBI ECS debit proedures. I / We further request and authorise the bank to debit my / our aount to honor the periodial payment ontribution requests presented by the servie provider. Various details of bank aount and periodial payment are furnished below: I/We hereby authorise Surat Diamond Jewellery Pvt. Ltd. and their authorised servie providers to debit my/our following bank aount by ECS (Debit Clearing)/ Diret Debit/SI to aount for olletion of Monthly Advane Payments (Appliant should be amongst one of bank aount holders.) Bank Aount Number: Aount Type Savings Current Bank Aount Holder's Name(1st holder): Bank Name: Bank Branh Name / Address: Bank City: PINCODE Bank Branh MICR Number (9 DIGITS): Bank Aount Details as appearing in Cheque leaf- please attah a opy of anelled heque/ banker's attestation Periodi Payment Details: Date of effet (tik appliable date): Monthly Advane Amount: ` Start Month: M M Y Y End Month: M M Y Y FREQUENCY : Monthly Benefiary / Contribution Details: Name of the Benefiiary: Surat Diamond Jewellery Pvt. Ltd Swarna Mudra Customer ID : Customer / Contributor's Name: Benefiiary Produt Code: Swarna Mudra Delaration I/We wish to inform you that I/We have registered for the subjet sheme for the ontribution payment to the benefiiary as per aount details as above by debit to said Bank aount. I/We express my willingness for partiipation in RBI's ECS sheme. I delare that the partiulars given above are orret and omplete. I/We agree to disharge the responsibility expeted of me as a partiipant under the ECS sheme. I/We hereby authorize the benefiiary or their representatives to get this mandate lodged with bank / get verified and further exeute by raising debits on the appliable dates through RBI ECS - Debit sheme. If the mandate is not lodged / transation is not olleted or delayed for reasons beyond ontrol of the benefiiary / servie provider representative or on aount of inomplete or inorret information, I/We shall not hold them responsible. I/We shall keep indemnified for laims and ations, that benefiiary or representative may inur, for exeution of transations in onformity with this mandate Authorisaton I/We hereby request and authorise the bank to honor the periodi debit instrutions raised as above and ause my aount to be debited aordingly. Charges, if any, for mandate verifiation may be debited to my aount. I hereby undertake to keep suffiient funds in the aount well prior to the appliable date and till the date of exeution. If the date of debit happens to be a holiday or non working day for the bank or loation, the debit may happen on any subsequent working day. Debited ontributions may be passed on to the benefiiary / representative as per rules, proedures and praties in fore.. I/We shall not dispute any debit raised under this mandate and as speified therein and during or for the validity period. I/We shall keep indemnified for laims that Bank may inur for reason of exeution in onformity with this mandate As per Bank reords Aount Holder- 1st Jt. Aount Holder - 2nd Jt aount Holder -3rd Name Signature For Bank Use Only Certified that the bank aount details and signatures of the aount holders are orret and as per bank s reords. Date D D M M Y Y Y Y Stamp & Signature of the Authorized Offiial of the Bank

6 Powered by Aapke Ujwal LIST OF CITIES FOR TRANSACTION FACILITY VIA ECS (Debit) Agra, Ahmedabad, Allahabad, Amritsar, Anand, Aurangabad, Asansol, Bangalore, Bardwan, Baroda, Belgaum, Bhavnagar, Bhilwara, Bhopal, Bhubaneshwar, Bijapur, Bikaner, Caliut, Chandigarh, Chennai, Cohin, Coimbatore, Cuttak, Davangere, Dehradun, Delhi, Dhanbad,durgapur,erode, Gadag, Gangtok, Gorakhpur, Guwahati, Gulbarga, Gwalior, Hasan, Hubli, Hyderabad, Indore, Jabalpur, Jaipur, Jalandhar, Jammu, Jamnagar, Jamshedpur, Jodhpur, Kanpur, Kakinada, Kolhapur, Kolkata,kota, Luknow, Ludhiana, Madurai, Mandya, Mangalore, Mumbai, Mysore, Nagpur, Nasik, Nellore, Panjim, Patna, Pondiherry, Pune, Raipur, Raihur, Rajkot, Ranhi, Salem, Shimla, Shimoga, Sholapur, Siliguri, Surat, Thirupur, Tirupati, Tirunelveli, Trihur, Trihy, Trivandrum,tumkur, Udaipur, Udupi,varanasi,vijaywada,vizag LIST OF PARTICIPATING BANKS UNDER DIRECT DEBIT ICICI Bank, Citi Bank, State Bank of India, Axis Bank, Union Bank, Bank of Baroda, Corporation Bank, IDBI Bank, Federal Bank, Allahabad Bank, Bank of India, Punjab National Bank TERMS AND CONDITIONS FOR ECS / Diret Debit Faility 1. The ustomer agrees to abide by the terms and onditions of ECS/Diret Debit faility as appliable at the time of Registration and as may be modified from time to time at a later stage 2. This ECS faility is offered only to those ustomers having bank aounts in selet ities as mentioned. The list of ities, banks and branhes may be modified/updated/hanged/removed at any time in future without assigning any reasons or prior notie. The Diret Debit faility is only available with selet banks as mentioned in the list. 3. In the event the Bank disontinues the ECS faility or the RBI direts disontinuation of this servies, the Customer shall immediately make neessary alternate arrangements and shall intimate the Company aordingly in writing of the hange. It is understood that the responsibility is of the ustomer to inform the ompany of any hange relating to the ECS mandate. 4. Customers an attah a anelled heque or a opy of the heque pertaining to the bank aount whih is to be registered for ECS/Diret Debit. Alternatively, ustomers an also get the bank aount mentioned on the form ertified from their banker with the bank seal 5. If the transation is delayed or not effeted at all for reasons of inomplete or inorret information or due to any other reason attributable to learing settlement mehanism, the ustomer would not hold any of the Surat Diamond Jewellery Pvt. Ltd. responsible 6. The bank aount provided for ECS should partiipate in loal MICR learing. Inase MICR ode is not provided or inorret ode is mentioned on the appliation form, the appliation for ECS/Diret Debit will be liable to be rejeted. 7. This request for debit mandate may be revoked only through a written letter from the aount holder submitted atleast one month in advane withdrawing the mandate and aknowledged at Surat Diamond Jewellery Pvt. Ltd. 8. Customers will not hold Surat Diamond Jewellery Pvt. Ltd. responsible, if the transation is delayed or not effeted or the ustomer bank aount is debited after the speifi date, due to various learing rules, learing settlement yles of ECS, loal or national holidays or to due to any ation/non-ation by the bankers 9. Surat Diamond Jewellery Pvt. Ltd. shall not be responsible and liable for any damages/ompensation for any loss, damage et. inurred by the ustomer. The ustomer assumes the entire risk of using this faility and takes full responsibility 10. Bank shall not be liable for, nor be in default, by reason of any failure or delay in exeution under this authority, where suh failure or delay is aused in whole or in part by any ats of God, natural alamities, riots, strike, hange of government and banking poliies, fore majeure events, other perils, ommuniation network disruptions, et. 11. In ase ustomer wishes to hange the bank aount details for the existing ECS/Diret Debit mandate registered, then he has to provide a anellation for the existing mandate and re-register fresh Mandate with the new bank details. 12. If the debit date of any of the monthly ECS/Diret Debit transation is a non-transation day for the sheme, then the units shall be allotted on the next / following transation day.