ANNEXURE 3

Product wise Pay-out Structures:

Payouts offered by ESPL will be relatively at par to payouts offered to ESPL by its banking partners. For various
products ESPL will share Payout with its Privilege Partner on percentage basis or will share the bank wise payout
slabs. Payout structure can change at any point of time as and when Bank/NBFC changes for ESPL. Payout related
changes will be shared through email to Privilege Partners.
Pay-out Personal Loans (Salaried):
Pay out under Fulfilment (File Completion)
Bank Name Disb. Amt 0 L - 20L Disb Amt. > 20 L
Upwards 2.40% 3.00%
Nira Finance 2.50% 3.00%
Fullerton India 2.40% 3.00%
IDFC First Bank 2.40% 2.70%
Money view Loan 2.25% 2.50%
ABFL 2.00% 2.25%
Ujjivan Small Fin Bank 2.00% 2.25%
Incred Fin 2.25% 2.60%
ICICI Bank 1.50% 1.70%
Kotak Mahindra Bank 1.50% 1.60%
Poonawalla Finance 2.00% 2.20%

Pay-out Business Loans (Self Employed):

Pay out under Fulfilment

Bank Name Disb Amt 0-20 Lac Disb Amt > 20 Lac
IDFC First Bank 2.30% 2.60%
Fullerton India 2.50% 3.00%
Bajaj Finance 1.00% 1.25%
Lending Kart - Digital 1.80% 2.20%
ABFL Finance 2.00% 2.25%
Poonawalla Fin 2.00% 2.30%
Hero Fincorp 2.00% 2.50%
Neo Growth 2.00% 2.50%
SME Corner 2.00% 2.50%
ICICI Bank Ltd 1.50% 2.00%
Deutsche Bank 1.25% 1.50%

Pay-out – HDFC Bank Digital Personal Loan & Business Loans

Product Name 0 - 24.99 Lakhs 25 L – 49.99 L ➢ 50 Lakhs

Personal Loans (Salaried) 1.25 % 1.50% 2.00%
Business Loans (Self Emp) 1.25 % 1.50% 2.00%

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 Pay-out Structure for Home Loan

Payout under Fulfilment (File Completion)

Bank Name Disb Amt Up to 50 L Disb Amt > 50 L

HDFC Bank - Physical 0.50% 0.60%
Fullerton Home (Gruh Shakti) 0.60% 0.70%
Aadhar Housing 0.60% 0.70%
PNB Housing 0.50% 0.70%
Magma Housing 0.60% 0.70%
Leaf Affordable Housing 0.60% 0.80%
Hero Housing 0.60% 0.70%
IDFC First Bank 0.60% 0.70%
Axis Bank 0.40% 0.60%
DCB Bank – Retail HL 0.40% 0.55%
DCB Bank – Micro HL 0.40% 0.55%
Piramal Housing 0.50% 0.70%
Federal Bank 0.45% 0.50%
Centuram Housing 0.50% 0.70%
Vistaar Fin 0.50% 0.70%
South Indian Bank 0.40% 0.40%
Shubham Housing 0.60% 0.70%
Tata Housing Finance 0.40% 0.60%
Jana Small Bank 0.35% 0.50%
Suryodaya Small Bank 0.35% 0.50%
ABFL Housing 0.40% 0.50%

State Bank of India Home Loan

Product Name 0 - 49.99 Lakhs 50 L – 99.99 L ➢ 1 Crs

Home Loan 0.30 % 0.35% 0.40%

Bank of Baroda Home Loan

Product Name 0 - 49.99 Lakhs 50 L – 99.99 L ➢ 1 Crs

Home Loan 0.50 % 0.55% 0.60%

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 Pay-out Structure for Mortgage Loan:

Payout under Fulfilment (File Completion)

Bank Name Disb Amt Up to 50 L Disb Amt >50 L

Deutsche Bank 1.00% 1.10%
IDFC Bank 0.90% 1.00%
IDFC First - Suvidha 1.00% 1.10%
Magma Housing 0.80% 1.00%
PNB Housing 0.70% 1.00%
Fullerton India Credit 0.80% 1.00%
ABFL Housing 0.80% 1.00%
DCB Bank - Micro 0.60% 0.70%
DCB Bank - Retail 0.60% 0.70%
Aadhar Housing 0.80% 0.80%
HDFC Bank - Physical 0.70% 0.80%
Axis Bank 0.70% 0.75%
Tata Housing 0.80% 0.80%
Vistaar Fin 0.80% 0.90%
Hero Housing 0.80% 0.90%

Pay-out Used Car Loans:

Pay-out Slabs Fulfilment

Slab 2
Bank Name Slab 1 Payout Rate Payout Rate

HDFC Bank 0-50 Lac 1.25% > 50 LAC 2.00%

Note: Under used car loan for car purchase/sales shall be disbursed after receiving Hypothecation transfer

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Pay-out New Car Loans:

Pay-out Slabs Fulfilment

Bank Name Slab 1 Payout Rate Slab 2 Payout Rate

HDFC Bank 0-50 Lac 0.70% > 50 LAC 1.00%

Pay-out - Credit Cards: Fully Digital Process

Pay-out Slabs Fulfilment

Bank Name Slab 1 Payout Rate Per Card Slab 2 Payout Rate per card

HDFC Bank 0 -25 cards Rs. 1100 > 25 Card Rs. 1500

SBI Cards 0 -25 cards Rs. 1100 > 25 Card Rs. 1500

Yes Bank Cards 0 -25 cards Rs. 1100 > 25 Card Rs. 1500

Pay-out - Gold Loans: Digital Process

Pay-out Slabs Fulfilment

Bank Name Slab 1 Payout Rate Payout Rate

Slab 2
HDFC Bank 0-20 Lac 0.70% > 20 LAC 0.90%

Pay-out – Yes Bank 3 in 1 account opening – (Complete Activation)

Payout Type 0-25 Accounts >25 Accounts

On Saving Account Activation (A) Rs. 300/- per account Rs. 400/- per account

On Trading Account Activation (B) Rs. 400/- per account Rs. 600/- per account

Total Amount (A+B) Rs. 700/- per account Rs. 1000/- per account

Pay-out – Kotak 811 - Account opening – (Complete Activation)

Payout Type 0-250 Accounts 251 – 500 Accounts 501 – 1000 Accounts >1000 Account
On Saving Account Rs. 160/- per account Rs. 200/- per account
Rs. 120/- per account Rs. 140/- per account
Activation

Pay-out – Retailer CSP monthly fees income

Payout: Rs. 185/- per retailer on per month retailer fees collection amount.

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Notes to above:

1. Payout will be released after clearance of all bank queries and OTCs (Over the Counter
approval).
2. Payout is on Net Disbursement amount.
3. Payout date will be between 25th to 30th of every month.
4. The payout will be done vide crossed A/c payee Cheque or Net banking.
5. All payout dues will be paid, on a monthly basis, only after completion of all post-
disbursal documentation formalities with the customer, as required by banking
partners.
6. For HL/LAP Payout will be released to DSA's after 45-60 days from all clearance of all
OTCs & Invoice submission to bank.
7. Maximum capping payout amount is Rs 5.00 lacs for a single case disbursement.
8. Final decision regarding remuneration to be taken by Business Head of Dealsofloan.
9. Note: Deductions as per government laws would be applicable. e.g., TDS & GST.
10. All payout rates are subject to bank's sole discretion and can be changed by the
Banks/NBFCs with or without prior notification.
11. Payout slabs may reduce/change for the subvention cases where processing fees /
interest rate waiver to convince the customer.
12. Payout will be shared 50:50 ratio of the applicable slabs between Lead generator and
lead fulfilment DSA for only lead sharing cases.

ANNEXURE 4
Exuberant Systems Private Limited (ESPL) makes use of its proprietary Partner Mobile app / Customer
Relationship Management (CRM) software to manage business with the Privilege Partner DSAs and mandates
the CRM's use for all its Privilege Partner DSA.
Refer link below to further read on CRM's terms of service:
https://crm.dealsofloan.com/tos

For Exuberant Systems Private Limited (ESPL) }

Mr. Manoj Ashok Sharma - CEO }

SIGNED AND DELIVERED by the DSA

1. ___________________________. }

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Other Terms and Conditions

• DealsOfLoan as an aggregator various financial services , will appoint Privilege Partner

as its associate for pan India sourcing of leads and subsequent fulfilment of the service
• This offering is on SaaS Software as a Service model
• Product wise turn-around time (TAT) depends on respective banks that varies from 48
hours to multiple days
• DealsOfLoan does not have any control on loan approval\sanction process and it is at
sole discretion of related bank
• DealsOfLoan will try to get application approved by suitable bank on best effort basis
but cannot guarantee approval directly in any case
• Acceptance or rejection of bank offer is sole prerogative of end user( customer)
• Only after end user consent, the respective service is delivered by related bank
• Bank\banks term is interchangeably used to mean bank or NBFC as may be applicable
• Credit Score\report is currently provided in collaboration of Equifax
• For credit report, user consent is must and report will only be generated if end users
mobile number matches with Equifax records
• In case of some banks, post sanction of loan, physical signing of loan agreement is
required as part of fulfillment process. This step will be required to be completed by the
concerned retailer or who has generated the loan application
• Privilege Partner shall create a backend support team for managing the business of its
retail network..
• All total targeted business slab for a product(total loan disbursement amount\ total
card issued numbers\ Account opening) are for a calendar month unless otherwise
stated
• In case of some banks, post sanction of loan, physical signing of loan agreement is
required as part of fulfillment process. This step will be required to be completed by the
concerned retailer or who has generated the loan application
• Banks have the discretion to change payout percentage and\or structure of payout
• DOL reserves the right to change payout percentage and\or structure of payout as and
when required
• DOL may add new banks and remove existing ones to its platform
• Banks may add/ hold/remove or change its APIs anytime, DOL does not have control on
the same.

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