CREDIT PROCESSING SHEET ‘ARF-REVOLVING (For Inputs) Client: ALI MEHTAB S/O MUHAMMAD SULAMAN "| Fasaaiad [BRANCH OFFICE — [ana Faieabac 470) MA 31 Years Borrower Education : = Earning Members & Dapendenis | 2&2 For grist m0 701.2015 LITY STATUS: existing Nature | Amount | IDA | 0/5. ‘Nature | Amount ARF 10.200 | 26.11.2013 ]0.199M | 30.11.2014 | ARF(Revolving) rosoom Sot 2007 i - Conversion of ARF to ARF(Revolving) | Purpose: For working capital requrements for Purchase of farm inputs Owmed Land: '52K-00M & PIU 497 having value RS. 994000/- & OST BATValue of Landis Rs. 6.339M Land on leased OOK -00M Total Land 52K- OOM (Crops culvated 1.Wheat 2.Rice) Income Expense sheet is attaches _ENTITLEMENT FOR CROP INPUTS: INDICATIVE RATES 29000): EL ‘5. Pricing= 1-Year KIBOR + 5% bps (As per circular AGRI/GEN/LHR/52 dated 26/05/2011) 6. Clean-up requirement: ‘As per Circular # PO/AGRI/356 Ot. 21-12-2006) 7. Mode of repayment: Limit allowed for Three years to be renewed /rolled over each year 18. Secunty to include PG of the Borrowers | Terms and conditions for a ‘1. Clean-up requirement to be followed as per policy. 2 Perfection of security documentation including mortgage of properties noting of MCB's charge with revenue authorities must be arranged before disbursement of finance and a certificate be obtained & held on record DAC to be obtained fram Regional Head after completion of documentation formalities Glean clear CIB not older than one month is annexed: Dated 16.12.2014 Post dated cheques must be obtained from the client Attested copy of CNIC of the Borrower must be obtained Informal market ceck report on the name has been obtained and same is satisfactory Justification: Field request for allowing ARF, R for Rs.0.300M is supported based on following: 1. Borrower having experience in Agriculture since 12 years. 2. Adequate income generation capacty ofthe dent from primary activites i.e. farming (excluding income fam other sources) ‘over the ture of lng term loan. Please refer to attached Income Vs Expenses calculation sheet 3. Client is having adequate cushion in collateral offered 4. Latest visit & valuation report of business place / collateral of Branch Manager held in record '5. Land visit report and credit worthiness report of AMO and BM 6. Agri land offered is not landlocked and not flood affected area. 7. Hot Scan 07.01.2015 held and particulars of client do not match with provided negative lis. 8 The land offered 15KM away from river & 20KM away from the Branch 9. Clear legal opinion on title of the collateral offered from local retainer Mian Khalid Mahmood Naseem. 10. Copy of khasra Girdawari is also annexed 111. Said borrower is residing in this area since birth. 112. Said borrower has no relationship with MCB employee as per provided information. RECOMMENDATIONS Gn recommendation of Branch Manager, following is recommended for your approval 4. Renewal & Ennancement of Rs.0.300M. by converting ARF to ARF (Revolving) 2. Post Fact ratficaton on no enoe basis loning +) Acknowledgement of ourstanding against expire limit from 01.12.2014 til date upon field confirmation that no dram down allowed ater ex SAIF ULLAH JAWAD AHMED DAR Nayyer Faisal 2AGRI HAGKETING OFFICER INCHARGE AGRI RH SHEIKHUPURA ‘cO¥/Se Crest Manager