SBS.AZEEMUDDIN 10- Anjaneyar Koil Street 2nd Floor, Annai Flats, West Saidapet. Chennai Tamilnadu. Mobile:

We request your good self to please depute an officer to evaluate this scheme and to implement the same, for earning “GOLDMINE PROFIT

Sub: New Jewel Loan Scheme (Copyright Protected) Proposal submitted with request for sanction. Reg

We are very much interested to start a new innovative “Jewel Loan Scheme” and request your Bank’s financial assistance to start the most viable and 0% risk involved & 100% guaranteed LOAN scheme.

Scheme Details: The Loan we are going to disburse is for buying GOLD JEWELS only. As the craze for YELLOW METAL is very high we will achieve the stipulated borrower target very easily.

The Loan is for Central & state Govt Employees and central & state govt undertaking employees, Public Sector and Private Sector Bank employees only.

Because, this sector employees are the safe borrowers for us and the JOB they are employed itself is a LOAN SECURITY for us.

There are 12.5 Lakh Employees in Tamilnadu State Government and other sector will contribute to another 2.5 Lakh employees. Totally 15 Lakh employees can be approached via TV Media and Print Media.

A minimum of 1.00 Lakh employees (Borrowers) target can be achieved very easily from this sector. (Just 6.6% of total 15 Lakh Employees)

Loan Details: Minimum Loan amount of Rs.1.00 Lakh per employee will be sanctioned. (Maximum Loan amount can be decided from the repayment capacity of the borrower)

Down payment of Rs. 6,500/- (6.5% of Rs Lakh) will be collected from the employees towards processing Charges & service charges for sanctioning the loan.

Loan Repayment period will be for 8 Years. 12% per annum will be collected. ( Or as decided by the bank can be collected)

Mode of Loan repayment: There are TWO types of repayment methods and your bank can decide on which method of repayment we have to work to get the loan amount repaid by the borrower.

Repayment Method One: We will charge 12% per annum or as per the norms of the bank and pay the same to the bank which sanctions loan to us to disburse the same to the borrowers.

We will also pay the principle loan amount on monthly EMI basis as Rs.1, 042/- per month for 8 years collected from the borrowers.

How the Borrower is benefited in Method One? The borrower is paying interest on diminishing value basis.

1.Repayment Method Two: Interest Rs.1, 000/- per month per annum for Rs.1.00 Lakh Loan) only will be collected & paid to the bank for 8 years. This will totally amount to an Interest income of Rs. 96,000/- in 8 Years to the bank.

Towards PRINCIPLE repayment we will take an INSURANCE policy for the loan amount and the policy will be assigned to the bank towards safety of the Loan amount.

The premium for the insurance will work out to Rs.1, 165/- Per Month for Rs Lakh Sum Assured, and for 8 years the borrower will be paying a premium of Rs. 1,11,840/-

Totally the borrower is paying Rs. 96,000/- as Interest and Rs. 1,11,840/- towards Insurance Premium, and totally Rs. 2,07,840/- is paid by the borrower apart from Rs.6,500/- paid towards processing & service charges.

How the principle Loan amount will be repaid?

The Insurance maturity value will be given to the bank and out of that value the bank will adjust the principle loan amount.

The balance amount of the maturity value will be given to the borrower as BONUS after 8th year.

What the Bank Earns? The Bank is earning Rs.6, 500/- towards Processing & service charges. The bank is earning Rs. 96,000/- as interest for sanctioning a loan of Rs.1.00 Lakh with a repayment period of 8 years.

Moreover The bank is also getting back the principle loan amount repaid through the Insurance Sum assured. ( 1.00 Lakh)

Apart from this the bank is also earning Registration Deposit from the Jewellers.

1.How the Borrower is benefited? The borrower is paying totally Rs. 6,500 + Rs. 96, , 11,840 = Rs. 2, 14, 340/- in 8 years.

The borrower is paying in 8 years Rs. 1, 14,340/- extra after deducting the principle jewel loan value of Rs Lakh from Rs. 2,14,340/-

Apart from this, the borrower is getting back bonus from the insurance maturity value. (After Deducting Principle Loan amount)

FINALLY THE BORROWER IS THE ULTIMATE GAINER, BECAUSE THE JEWEL VALUE WILL APPRECIATE IN 8 YEARS DEFENITELY, AND THE INVESTMENT BY WAY OF TAKING LOAN FOR BUYING JEWELS WILL BE A WISE DECISION ON THE PART OF GOVERNMENT EMPLOYEES.

What is our profit? For introducing This scheme to Government Employees:

We will be charging from the Jewel shops a discount of 6% from the Value of purchase by the government employee using the Loan amount.

The government employee must BUY his/her choice of jewels from our / Bank authorized Jewel Shop only.

Total benefits of the Scheme The bank which wants to implement this scheme on all INDIA basis, can REGISTER jewelers from the respective branch area.

Registration charges of Rs lakhs or as per bank norms can be collected by the bank from each jeweler for registering their JEWEL shops to SELL their jewelleries to government employees under this scheme.

Bank will be earning 12% interest or as per bank norms from the government employees. (Through us)

The bank is getting 6.5% down payment per Loan and adjusting the same towards processing & service charges.

If the bank opts for REPAYMENT METHOD TWO, then the bank can earn enormous insurance business & Insurance Commission from the Insurance Company.

In case of DEATH of the borrower, the sum assured will be paid back by the insurance company and the bank can adjust the SUM towards its principle loan repayment.

The borrower will be getting BONUS at the end of the loan period. We will be getting a DISCOUNT of 6% from the JEWELLERS for selling their JEWELS to the borrowers under this scheme.

As this scheme is going to be benefited to everyone with 100% secured features, we request your good self to please do the needful to LAUNCH the scheme on all India basis.

IF THE BANK IS INTERESTED WE ARE READY TO SUBMIT THIS SCHEME TO YOUR BANK TO IMPLEMENT THIS SCHEME ON ALL INDIA BASIS BY YOUR BANK ITSELF.

This scheme will generate more business to bank with 100% safety for the loan amount, and this scheme will generate more gold business to jewelers

and the GOLD RESERVE of our country will increase enormously.

Thanking you in Anticipation. Yours Truly SBS.AZEEMUDDIN