Dear Customers,

Thank you for your trust and your bank continues to grow steadily and safely.

The COVID crisis has been an unexpected and stressful time for all of us both personally as well for our businesses, families and employers. It is important that we navigate this crisis together safely and sensibly.

This is further to the communication on Moratorium granted as a part of our Covid19 relief package released earlier (enclosed as Annexure1 with this communication), we would like to announce the second phase of the relief package across our entire product offering: Group Loans, Individual Loans, Agricultural term Loans (both Individual & group), Retail loans, Business Loans, Affordable Housing Loans & MSME Loans.

For the months of June, July and August' 2020, moratorium will be offered month-on-month to the borrowers based on request and at the discretion of the Bank after appropriate evaluation of the borrower's needs that such moratorium is necessitated on account of the economic fallout from COVID-19.

Please note that this loan moratorium is optional and you can continue to pay your loan EMIs if you have the funds to continue with your repayments. This will mean a lower cost of interest on your loan as well as an early closure of your loan.

Kindly note that the point 4 to 7 under the key points as provided in Annexure 1 shall remain unchanged and would be applicable herein.

We thank you for your continued patronage and would be happy to support your service requests during this phase as well.

Stay Safe, Stay Healthy

Warm regards,

Team Jana Small Finance Bank