dear sir, lI seems to me you are a b mandate and funds appears to be yours . so giving a penalty clause of 12 LAKHS is not difficult for you . but we can do a deal provided you give a post dated cheque of 12 lakhs and WE GIVE CHEQUE 12 LAKHS AT THE SAME TIME. COST WOULD BE 6 + 2 IE BUT .5 PER CENT TO Me and 1 to b mandate. If anybody fails his cheque js deposited.ALSO YOU NEED TO call me at your office to go further +