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Further, along with the letter dated 5.2.2005 even the bank has give a flow chart indicating how it is profitable to the Complainants to take loan and purchase the KVPs and pledge it to the bank. Relying upon that flow chart if loan is taken and the KVPs are pledged, bank cannot change its stand and that such breach of promise would be unfair trade practice.

The flow chart is quoted as under:

M On th KVP Valuation Limit set By ICICI Month Ins.