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    <title>CONDITIONS OF ONE TIME SETTLEMENT ARE TO BE FULFILLED BY THE BORROWER</title>
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    <description>An OTS application is procedurally incomplete and ineligible for processing where the applicant fails to pay the scheme-prescribed up-front amount (5% for ordinary defaulters; 15% for wilful defaulters); compliance with express scheme terms is a prerequisite for consideration, and absent such compliance the bank may proceed with enforcement while remaining able to consider fresh, out-of-scheme proposals.</description>
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      <description>An OTS application is procedurally incomplete and ineligible for processing where the applicant fails to pay the scheme-prescribed up-front amount (5% for ordinary defaulters; 15% for wilful defaulters); compliance with express scheme terms is a prerequisite for consideration, and absent such compliance the bank may proceed with enforcement while remaining able to consider fresh, out-of-scheme proposals.</description>
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