My name is Rupesh Katra, and I am working as the Branch Manager at the Haldwani branch. I would like to inform you that on April 30, 2025, there were 9 ODs applied at my branch. There was an issue at one of the centers, which caused those members to not make their payments, resulting in the ODs. I sincerely apologize for this mistake and assure you that such an error will not happen again in the future.