Read the following Rules & Regulations carefully before applying the "Helping Fund" in "RAY OF HOPE".

1. In "Helping Fund" Rules & Regulations points are stated for "Ray of Hope" NGO (Non-Government Organisation) addressed as "Trust" / "Organisation" and those Persons / People addressed as "I".

2. "Ray of Hope" will arrange some amount to those persons / people who are very essentially / seriously required for said fund for a limited period. The Fund given is named as "Helping Fund" given from "Ray of Hope". Without any genuine requirement, the Trust will never give the "Helping Fund" to those said persons / people who are applying for the "Helping Fund" in "Ray of Hope". And "Trust" will provide this "Helping Fund" to all those people who are currently earning money for themselves and their families members in a honest way.

3. As per "Ray of Hope" terms and conditions the concerned person / people who are taking the "Helping Fund" from "Ray of Hope" will have to refund the exact "Helping Fund" amount which is approved within the prescribed period and if not return the said "Helping Fund" approved amount to "Ray of Hope" which is taken by said person then "Ray of Hope" will adopt legal steps against said person who have taken the "Helping Fund" from "Ray of Hope", because after get return back said "Helping Fund" "Ray of Hope" utilise the same given help to another below-low financial category of another persons / people who are very essentially / seriously required fund to run his / her life / livelihood / families or utilise for the Social Activities of Trust in order to make a Beautiful & Peaceful World.

4. Only Indian Citizens can apply for the "Helping Fund" from "Ray of Hope". This "Helping Fund" will be managed entirely Online only. For that's why a website has been created and maintained by "Ray of Hope". And the official URL of this website is (rayofhope.co.in). The "Helping Fund" registration online because the registration process could be done in short time.

5. For taking the "Helping Fund" from "Ray of Hope" the age of those said persons / people who are applying shall be minimum 21+ and up to 50 years.

6. The process for taking "Helping Fund" from "Ray of Hope" is firstly who need the "Helping Fund" from "Ray of Hope" they should be apply in "Ray of Hope" with referrer who has a good relation with "Ray of Hope" with genuine purpose. Then said person is apply for "Helping Fund" in "Ray of Hope" official website. After then from "Ray of Hope" it is verify the documents, full inspection about said person who is apply for "Helping Fund" form "Ray of Hope" then after all is okay then a board meeting be done such matter with Executive Body Member of "Ray of Hope" regarding "Helping Fund" either the requirement is authentic, genuine and positive then if it is understood to be authentic, genuine requirements and the Executive Body Member of "Ray of Hope" is satisfied and match the full criteria for given the "Helping Fund" then an agreement will be be done with "Ray of Hope" before disbursement of "Helping Fund" with said person.

7. Any person who is apply for "Helping Fund" if said person's referrer is default in "Ray of Hope" then a Guarantor should be attached and it is mandatory. The Guarantor must be service in Government (State / Central), job in reputed Private Company, reputed business person, reputed person. And the Guarantor must be good Cibil Score. The Guarantor is 100% (Hundred Percent) liable in "Ray of Hope" if said person jar Guarantor hoyeche is taken the "Helping Fund" from "Ray of Hope" is unable to return the "Helping Fund". The Guarantor must be liable to return the "Helping Fund" in "Ray of Hope". If not then from "Ray of Hope" will adopt legal steps against said Guarantor. And the Guarantor must be done an agreement with "Ray of Hope" as a taken the liable of said "Helping Fund".

8. The "Helping Fund" applying amount is from Rs. 10,000/- (Ten Thousand Rupees) to Rs. 30,000/- (Thirty Thousand Rupees) only. And the tenure for refunding the "Helping Fund" is not more the 5 (Five) months.

9. The approved amount of "Helping Fund" is generated fully by computerised. There is no manual editing option for placed the approved amount of "Helping Fund".

10. Those persons / people who is apply for "Helping Fund" shall not be Volunteer / Staff or any types of Member's in "Ray of Hope".

11. Those persons / people who is taking the "Helping Fund" from "Ray of Hope" should no be any job in Central / State / Government or Government Undertaking / Politician and also shall not be associated with any kind of illegal money making and also any types of bad record for taking Loan in past from any Company / Sector / Bank and if so then said person who are applying will not be eligible for taking the "Helping Fund" from "Ray of Hope".

12. All those persons / people who is apply for "Helping Fund" in "Ray of Hope" they are must be reference by who is taken the "Helping Fund" from "Ray of Hope". And the referrer must be good relation with "Ray Of Hope". If the person who is referred for "Helping Fund" if he/she is unable to return the "Helping Fund" then said referrer is 100% (Hundred Percent) liable in "Ray of Hope". The referrer must be liable to return the "Helping Fund" in "Ray of Hope". If not then from "Ray of Hope" will adopt legal steps against said referrer. And the referrer must be done an agreement with "Ray of Hope" as a taken the liable of said Helping Fund".

13. Those persons / people who are applying for the "Helping Fund" have to pay the Trust Convenience Fee & "Ray Of Hope" website Platform Charge of Rs.175/- (One Hundred & Seventy Five Rupees) only which is deduct from the said person's registered Bank Account within seven days which is tag when Registered for "Helping Fund" from "Ray Of Hope" official website. After pay the Trust Convenience Fee & "Ray Of Hope" website Platform Change and done successfully registering after then the further process is done for "Helping Fund". If the Platform Charge can't deduct for any cause then said Application is rejected. And the "Helping Fund" processing charge is flat Rs. 1,000/- (One Thousand Rupees) only which is deduct at the time when the "Helping Fund" is disbursed.

14. After getting this "Helping Fund" of "Ray of Hope" shall not be utilised for any Anti-Social / Immoral works. "Ray of Hope" do not support any types of Black Money, Matrix Plan, MLM Plan, Chain System Plan, Money Marketing, Lottery, Business, Networking Business etc. If "Ray of Hope" identified for any types of illegal works done after taking the "Helping Fund" then "Ray of Hope" can take legal action on said person. After getting this "Helping Fund" from "Ray of Hope" shall be utilised only for Education, Startup a New Business, carry forward own business & Medical purpose.

15. Any person who is apply for "Helping Fund" from our Trust and follow our above Trust's Rules & Regulations then it will be rejected when survey is done by "Ray of Hope" and no can be claim on "Ray of Hope".

16. Each and Every Time I stand with "Ray of Hope", I am with "Ray of Hope" and I shall be with "Ray of Hope".

17. "Ray of Hope" can Change / Modify the Points of Rules & Regulations or Addition / Alteration of Objective in future at any time. All information gets from "Ray of Hope" time to time.

18. Those persons / people who are getting the "Helping Fund" from "Ray of Hope" they must abide by the Rules & Regulations in future. If any said persons / people are not abide the Rules & Regulations then "Ray of Hope" shall have the right to take the legal step against that said persons / people.

19. On understanding the Rules & Regulations of "Ray of Hope" then I agree to apply for the "Helping Fund" from "Ray of Hope". I read all the Points which are mentioned in the above and I understand it then I accept all Rules & Regulations which are decided & implemented by "Ray of Hope". And I follow all the Rules & Regulations which are instructed by "Ray of Hope" on being understanding contents in "Ray of Hope" "Helping Fund" Rules & Regulations with sound, health and mind except any influence.

20. According to this Rules & Regulations of "Ray of Hope" which is mentioned in above, if any persons / people who is applying for "Helping Fund" getting from "Ray of Hope", if he / she accepts said Rules & Regulations when done the registration for "Helping Fund" from the official website of "Ray of Hope", then said acceptance shall be stand 100% (Hundred Percent) legal valid.

Regards,

"RAY OF HOPE".