“Top-up Ratio” means the (%) ratio between the Loan principal at the time of calculation and current market value of the Collateral (periodically calculated by the Bank and at the exchanges rates published at the Bank’s counter, if applicable) at which rate or higher, the Bank shall inform the Borrower and request for a Collateral top-up which shall be made by the Borrower. Upon expiry of this time limit, the Bank shall enforce the Collateral to recover the Loan.