Credit Health Report (CHR)

Declaration/Undertaking
1. I/We hereby apply for the Consumer Durable/Products Loan mentioned in this application.

2. I/We affirm that all the particulars and information and details given/filled in this Application Form are true, correct,
complete and up to date in every manner and that I/We have not withheld any information whatsoever from TVS Credit.

3. I/We agree to receive SMS, telephonic calls, emails, or through any other mode of communication, the various schemes,
plans, and offers provided by TVS Credit Ltd., and I/We am/are aware that laws in relation to the unsolicited
communication referred in "National Do Not Call Registry" (the "NDNC Registry") as laid down by TELECOM
REGULATORY AUTHORITY OF INDIA will not be applicable for such communication/calls/SMSs received from
TVS Credit, its employees, agents and/or associates.

4. I/We authorize TVS Credit Services and all its group companies and their agents to exchange, share or part with all the
information and details relating to my/our existing loans and/or repayment history to other TVS group companies, banks,
finance institutions, credit bureaus, agencies, statutory bodies etc. as may be required or as they may deem fit and shall
not hold the Company or any of its group companies or its/their agents/representatives liable for use/sharing of this
information.

5. If I/We purchase mobile phone/tablet/any other electronic gadgets, I/We unconditionally authorize TVS Credit to deploy
versions of application in order to send reminders / blinker for timely repayment of EMIs and notification messages
including such alerts in the event of any delay of payment of EMIs and if the default continues, to lock the mobile until
I/We clear such dues.

6. I/We confirm that I/We have been made aware of the terms and conditions of the loan to which I/We agree
unconditionally and I/We have not made any payment in cash, bearers cheques or of any other kind along with or in
connection with this Application Form to any person collecting or assisting with my/our Application Form nor have I/We
received any gift/discount or any other commitment not mentioned in the loan agreement by TVS Credit or any of its
authorized agents/representatives.

7. I/ we hereby declare that the one-time password (OTP) generated using the cell phone number 2181010484 belongs to
me/my relative and the company can rely upon the same and process the loan application. I/we hereby adhere to all the
terms & conditions and release and absolve the company from any liability whatsoever for processing the loan
documentation basis this declaration subject to fulfillment of other criteria as per the policy of TVS Credit.

8. I/We understand and acknowledge that mere submission of this Application Form does not entail approval of the loan
from TVS Credit and that the Company shall have the absolute discretion to reject my/our application without specifying
reasons for the same and without notification.

9. I/We agree to pay any amount as may be applicable on the levy of Goods and Service Tax on the loan amount.

10. I/We concede that the Company shall increase or decrease the credit limit as per its internal policy and criteria at its sole
discretion from time to time and I/We understand that no dispute with respect to the same from my/our end will be
entertained.

11. I/We shall pay a processing fee (non-refundable), if any, charged towards the loan application.

12. I/We shall pay the required fee (non-refundable), levied toward Credit Verification and Mandate Registration charges,
and charged towards the loan application.

13. I/We agree that foreclosure charges are on balance tenor at 6 % for term less than 12 months, at 4 % for term between 12
to 24 months, and at and that these are levied/calculated on the balance outstanding of the loan.

14. I/We agree that prepayment of the loan amount is not allowed for the first 6 months from the date of disbursement of
loan.

15. I/We affirm that I/We have submitted all the self-attested, necessary documents mentioned in the checklist and that the
same, along with attached photograph, are not liable to be returned.
 16. I/We agree to notify the Company of any change of address of employment or of residence, or of nature of employment,
so mentioned by me/us in the Application Form.

17. I/We agree to the terms and conditions of the e-Agreement, if any/in case of online filing of this Application Form.

18. I, hereby confirm having received, read and understood the terms and conditions including the scheme details explained
to me.
19. I/We agree to download the No Due Certificate (NDC) from SAATHI application / Customer Portal by logging in using
the registered mobile number or contact the Customer Service Support Team.

20. InstaCard Program - I agree to be bound by the terms and conditions of the InstaCard programme and any additional
conditions stipulated by TVS Credit, from time to time. This loan application shall also be taken as an application for
enrolment under the InstaCard program and will hold good for any facility availed under the programme. I undertake to
provide fresh application / additional documents at the request of TVS Credit. I agree that TVS Credit at its sole discretion
may approve or reject the issuance of InstaCard without any reason and in the event of such rejection, the enrollment fee
will not be refunded for whatsoever reasons.

21. "InstaCard" shall mean a Physical or Virtual Card (carrying the unique identification number) issued to the Borrower in
terms hereof. THIS IS NOT A CREDIT CARD, OR A DEBIT CARD OR A PREPAID CARD etc. and It is issued by
TVS Credit to the Borrower for easy identification and usage of the Pre-approved limit with the TVS Credit partnered
merchant (offline & online) networks.

Important Note

1. The decision to give a loan and the interest rate applicable to each loan account is assessed on a case to case basis, based
on multiple parameters such as the type of the asset being financed, borrower profile, and repayment capacity, borrower's
other financial commitments, past repayment track record if any, the security for the loan as represented by the underlying
assets, loan to value ratio, mode of payment, tenure of the loan, geography (location) of the borrower, end use of the asset
etc.

2. Kindly note that the Company will decide the quantum of the loan at its sole discretion - Reserve the right to reject any
application, without assigning any reasons – May request for additional documents other than those collected in this
connection - Reserves the right to retain photograph and documents submitted along with the application form and shall
not return the same - The Equated Monthly instalment (EMI) in connection with the loan will be due as per the schedule
of the loan Agreement - Will not be liable for loss or delay in the receipt of documents.

3. Incomplete, defective applications will not be processed, and the Company shall not be responsible in any manner for
the resulting delay or otherwise.

4. All postdated cheques are to be issued favouring TVS Credit Services only.

5. With the acceptance and signing of the loan application form, the customer unconditionally agreed to terms and
conditions which may be changed by the company at any time with due notice, and the customer will be bound by the
amended terms and conditions.

Terms and Conditions for Credit Health Report (CHR)

1. This report is prepared exclusively for customers of TVS Credit Services Limited (TVS Credit) powered by CreditMantri,
based on credit information details obtained from Equifax as consented by you. TVS Credit will only act as a facilitator
and will not have access to the said credit information details. TVS Credit will not be held liable to you for any services
provided by CreditMantri under whatsoever circumstances.

2. In case you notice any errors in the accounts or personal details reported, you may write to [email protected].
Please remember to quote the Report ID and date of Report in your query.

3. The Service provided to you is based on your credit information report and credit rating maintained by various authorized
Credit Information Companies (CICs) in India and any other financial information that you may choose to provide to
 CreditMantri or authorize/ give consent to obtain from such CIC. Therefore, you hereby understand and acknowledge
that the reports and analysis provided to you by CreditMantri is based on CreditMantri’ s commercially reasonable efforts.

4. The report will be sent as a link to your registered mobile number via SMS.

5. The Customer shall make his/her own best judgments at their own risk. TVS Credit shall not be liable for the accuracy
and reliability of the report provided to the customer by CreditMantri.

This report includes the CHR order cost of Rs. 589 (Including GST Charges). The report will be sent only by
CreditMantri within 5 (five) working days from successful payment debit.

I/We agree to the terms and conditions of the Credit Health Report (CHR) and I/we agree to avail the Credit Health
Report service at the applicable cost specified in the Schedule of Charges.

Schedule of Charges