Bankwest

General Enquiries: 13 17 18 04 April 2013 Mr ASHOK KUMAR 1967/37, St. No. 5 Guru Gobind Singh Nagar Barota RD New Shimlapuri Ludhiana 141003 Your Personal Lending Representative: Sarah Cilia

Bank of Western Australia Ltd. ABN 22 050 494 454 AFSL 236872 Loan Services GPO Box E237, Perth Western Australia 6001

Customer Help Centre: 13 17 18 Fax: 1300 130 885

Great news! Your Loan Application has been Unconditionally Approved

Hi, Mr.Ashok We are writing to confirm that your loan application has been unconditionally approved. Customer: ASHOK KUMAR

Property to be used as Security: House no. 1967/32, Barota Road, St. No. 5 Guru Gobind Singh Nagar, Shimlapuri Ludhiana, Punjab, India. House at Plot No. 360, City Garden Colony, 33 Road, Pipal Chowk, Lohara, Giaspura Road, Ludhiana, Punjab, India. House at Plot No. 362, City Garden Colony, 33 Road, Pipal Chowk, Lohara, Giaspura Road, Ludhiana, Punjab, India. Loan Type: Product: BankWest Premium Select Home Loan 5 Year Int Only then P&I Amount: $146,000.00 Term: 360 months Interest Rate (%): 6.85% Standard Application Fee: $0

Loan Two Type: Product: Amount: Term: Interest Rate (%): BankWest Premium Select Home Loan Construction 5 Year Int Only then P&I $177,250 360 months 0.00%

Bankwest
General Enquiries: 13 17 18

Bank of Western Australia Ltd. ABN 22 050 494 454 AFSL 236872

The rate and fees quoted above are correct as at the date of this letter and may change before draw down. Additional fees may also apply. Conditions of Approval: This approval is subject to the Banks normal terms and conditions being met, including: receipt of executed loan agreement and securities and any other documents required by the Bank as a result of searches and enquiries made in documenting the loan and securities; and Certificate(s) of Title which are satisfactory to the Bank.

This is not an offer or agreement to provide credit.

If you require any assistance, just contact your Personal Lending Representative. Thanks again for choosing Happy Banking with Bankwest. Warm Regards,

Andrew Banks Head of Mortgages & Payments