LOAN SANCTION LETTER

SCHEDULE “A”
To,
Sh. LOKENDRA KUMAR, (Borrower)
S/o Reference No: 3708409
R/o CJR7 CG5, Mudiya Kheda, Madhya Pradesh 464651, India,Mudiya Kheda,Mudiya Kheda,464651 Email: kushwahalokendra06@[Link]

Dear Mr. LOKENDRA KUMAR,

This Loan Sanction Letter is made in reference to your Loan Application Number HC202412060725406672 dated 06 Dec 2024. This Sanction Letter is
based on the information provided by you in your loan request/application. We are pleased to inform you that your loan application has been approved
with the following terms and conditions:-

Sl. No. Particulars Terms Details

1. Loan Sanctioned Amount Rs.14000
2. Loan Date 06 Dec 2024
3. Rate of Interest (ROI) 1% per day
4. Loan Tenure 24 days
5. Processing Fee + GST Rs.1652
6. Fintech Fee Rs.0
7. Installment Amount Rs.17360
8. Number of Installments 1
9. Installment due date 30 Dec 2024
10. Installment Frequency Daily
11. Disbursal Amount (1-5-6) Rs.12348
12. Repayment Schedule As prescribed in the Loan Agreement
13. Penal Charges 0.1% per day on principal outstanding
14. Bounce Charge One time bounce charge will be Rs.590 GST Inclusive.
15. Annual Percentage Rate (APR) 487%

Terms & Condition:

Loan disbursement will be made to bank account provided in the loan agreement;
Processing fees (including GST) will be deducted from Loan Amount before disbursal;
This sanction can be revoked and / or cancelled on the sole discretion of the Company;
Your repayment schedule shall be depending upon the actual date of disbursement of Loan;
Penal Charges @0.1% per day on principal outstanding will be charged, in case of repayment overdue on the principal due amount from the
date of default;
Fintech Fees Rs. 0, if any, is being charged by the Lender. The Company is authorized to deduct Fintech fees and taxes from the sanctioned
loan amount.
You can make the pre-payment or foreclose the loan without any penalty/foreclosure charges;
You shall be required to bear and pay applicable stamp duty, charges levied by Central Registry of Securitization Asset Reconstruction and
Security Interest of India (CERSAI) and all other statutory / regulatory charges / statutory taxes that are presently applicable and as may be
made applicable from time to time. Such charges shall be non-refundable;
Lender offers different interest rate based on loan amount, tenor, down payment, payment history with Ram Fincorp Lender credit score
provided by credit information companies, borrower's age, income, type of documents provided by the applicant and any other information as
may be required for the purpose of credit evaluation. You understand and acknowledge that this loan has been granted with clear
understanding that you hereby waive all rights including without limitation, immunity in respect of any repayment of loan byway of injunction
or moratorium available to you in the capacity of borrower;
You understand and acknowledge that the language of this Sanction letter is known to you and that you have read and understood in
vernacular language, the features of the loan product and the terms and conditions mentioned herein and contained in any other loan
documents and shall abide by them including any amendment thereto, with free will and volition;
You understand and acknowledge the cost and charges associated with the loan and that once the disbursement is made in your bank account
your loan cannot be withdrawn and reversesd.
Please refer “Loan Application Terms & Conditions” and “Loan Agreement” for obtaining loans from M/s R. K. Bansal Finance Private
Limited” (Ram Fincorp) for terms and conditions applicable to this loan, a copy of which has been provided to you and is also available at
website of Ram Fincorp, which is [Link].
Agreed and Accepted
(Borrower/Applicant)
Yours truly,

M/S R. K. BANSAL FINANCE PRIVATE LIMITED

(Authorized Signatory)

Place: New Delhi

Digitally
Date: signed by
06 Dec 2024 Digitally signed and accepted
Mr. Bharat Soni by Mr. LOKENDRA KUMAR
Date: 06/12/2024 08:09 IST Date: 06/12/2024 08:09 IST
IP: [Link] Reason: Loan T&A Acceptance
 LOAN AGREEMENT
This Loan Agreement is made and executed at Delhi on date and year mentioned in schedule “A” by M/s R. K. Bansal Finance Private Limited (Ram
Fincorp), a company incorporated under the provisions of the Companies Act, 2013 (as amended up to date) bearing CIN-U74110DL1984PTC019355,
having its registered office at 8/9, 2nd Floor, WEA, Karol Bagh, New Delhi - 110005 (hereinafter referred “Lender”); and between Borrower / applicant
to this loan agreement. The lender and borrower details are described in Schedule “A” & “B” under of this loan agreement.

{The both parties are listed in Schedule-“A” & “B" (being a First Party refer “Lender” and being a second party refer “Borrower”) to this Agreement
are hereinafter collectively referred to as the “Parties” and individually referred to as the “Party”, which expression shall, unless it be repugnant to
the subject or context thereof, be deemed to mean and include its successors and assigns and include his / her / its / their respective Legal heirs,
executors, administrators, legal representatives, successors, permitted assigns, partner(s) for the time being, including the legal representatives of the
deceased partner(s), if any).}

WHEREAS The Lender is a RBI approved Non-Banking Financial company engaged in the business of providing loans. The borrower has use digital
platform of the lender to apply loan application form electronically. The borrower has submitted each and every details of her/his KYC and personal
data with the loan application. The loan request of the borrower may be sent via website or email along with all financial and personal details, and basis
of the details provided by the borrower, the lender has make due diligent and KYC check to meet out standard policy of loan approval and disbursement.

WHEREAS The Borrower(s) is an employed/salaried/professional/self-employed individual(s) in loan request / application hereto and are in
requirement of funds for the purpose more particularly described in the Sanction Letter and has approached Lender to avail the Loan facility, from time
to time. Pursuant to discussions between borrower and lender, the Lender has agreed to provide the Loan, to the Borrower in accordance with the terms
and conditions of this Agreement.

NOW, THEREFORE, in consideration of the representations, warranties, mutual agreements and covenants set forth in this Agreement, the Lender
and Borrower agree as follows:
The lender has reserves its right to refuse or reject any Loan Application notwithstanding the applicants satisfying the eligibility criteria, if
any, set by the lender for the approval of the Loan. The Borrower, who intends to obtain a Loan facilities from the lender either once or
multiple times, agrees and abides by terms and conditions as amended from time to time.
The Borrower further agrees to execute present agreement and such necessary documents or provide such necessary consent either orally or in
writing, as may be deemed necessary by the lender to give effect to the terms of this agreement. This terms and conditions as agreed by the
borrower and the lender shall be applicable and binding on the borrower in respect of any and all kinds of Loans approved/disbursed by the
lender in favour of the borrower as amended from time to time under this agreement.
The present agreement is legally enforceable upon the borrower before court of law, and if the borrower failed to repay the outstanding
amount of the lender, the lender i.e. company shall be entitled to claim legitimate due from the borrower before the appropriate forum at cost
and consequences of the borrower.

A. DEFINITIONS AND INTERPRETATION:

Unless otherwise stated under this agreement, the following definitions are apply throughout:
a. “Alternate Payment Channel” means the payment mode either managed by the lender, or by a third party duly authorized by the lender, to
receive the Instalments and/ other dues from the Borrower in respect of the Loan.
b. “Applicable Law” shall mean any statute, regulation, notification, circular, ordinance, court order, decree, judgment, direction, guideline, or
other binding action or requirement of an authority which has the force of law in India.
c. “Automated Fund Transfer” shall mean and include transfer of funds through electronic clearing service (debit), direct debit, National
automated clearing house (debit) or any other permissible mode available from time to time for the purpose of debiting the bank account of a
Person on the basis of instructions given by such Person either in writing orthrough any electronic media.
d. “Borrower” means the Person who applies for and/or obtains Loan from lender (including but not limited to by using any of the Contact
Options). The name and address of the Borrower shall be mentioned in the Loan Documents issued to the Borrower for each Loan from
lender. For the purpose of this T&C, the term ‘Borrower’ shall include the heirs, executors, administrators and legal representatives of such
Person.
e. “Credit Assessment Fee” means the non-refundable fee charged in respect of the assessment of the credit worthiness of the Borrower for the
Loan and shall be paid bythe Borrower either at the time of signing and/or accepting the Loan Documents, or disbursal of the Loan, whichever
is earlier.
f. “Dealer” means the seller of the Product.
g. “Documentation Fee” means the non-refundable fee charged for preparing the Documents pertaining to the Loan of the Borrower, payment of
applicable stamp dutyand other legal charges associated with Loan of the Borrower and shall be paid by theBorrower at the time of disbursal
of the Loan.
h. “Due Date” means the date on or before which the Instalment(s) of the respective Loan(s) become due and repayable by the Borrower to
lender. The Due Date for eachInstalment of the Loan shall be specified in the Loan Documents.
i. “Loan Document(s)” means this T&C, Loan Application, Sanction Letter, Loan Agreement, Declaration, Demand Promissory Note, Mandate
and consent form (as thecase may be) executed or accepted or agreed upon by the Borrower and all other documents, instruments, certificates,
and agreements executed and/or delivered by the Borrower or any third party in connection with the Loan, including but not limited to
electronic records of any and all of the aforesaid.

Digitally signed by Digitally signed and accepted

Mr. Bharat Soni by Mr. LOKENDRA KUMAR
Date: 06/12/2024 08:09 IST Date: 06/12/2024 08:09 IST
IP: [Link] Reason: Loan T&A Acceptance
 j. “Effective Date” in respect of each Loan obtained by the Borrower means, unless specified otherwise, the respective date on which the
Borrower consents (whether orallyor in writing) to obtain respective Loan from lender.
k. “Eligibility Criteria” means the minimum eligibility criteria set forth by lender to judgethe credit worthiness of the Borrower, which is subject
to change from time to time at the sole and absolute discretion of lender.
l. “Interest Amount” means the amount paid/to be paid by the Borrower to lender over and above the Loan amount excluding the amount paid as
the penalty, fees, or any service charges/ fees of whatever nature under T & C of this agreement.
m. “Loan” refers to the amount of loan approved by lender from time to time as stated inthe Loan Documents on which interest is charged to the
Borrower.
n. “Loan Application” means the application submitted by the Borrower to lender for applying for, and availing of, the Loan, together with all
other information, particulars, clarifications and declarations, if any, furnished by the Borrower in connection with theLoan.
o. “Loan Documents” shall means loan sanction letter or loan agreement or written email in respect to disbursement of loan to the borrower.
p. “Sanction Letter” means the terms of the Loan issued or communicated by way of any of the Contact Options by LENDER to the Borrower
confirming the grant of the Loan to the Borrower subject to the terms and conditions mentioned in this T&C, the Sanction Letter and other
applicable Loan Documents.
q. “Mandate” means the instructions given by the Borrower to debit his/her bank accountto make the payment to LENDER through Automated
Fund Transfer for all the Loans availed by the Borrower from LENDER from time to time.
r. “Outstanding Balance” in respect of each Loan obtained by the Borrower means the balance of the respective Loan outstanding along with all
amounts payable by the Borrower to LENDER including principal amount, interest, fees, costs, charges, expensesetc.
s. “Person” shall include any individual, Hindu Undivided Family (HUF), partnership firm, company, body corporate, association, society or any
other legally recognized entity. The term “he, him and himself in this agreement includes she/her and herself when the borrower is a woman.
t. “Personal Loan” shall mean the Loan, disbursed by lender directly to the Borrower, the amount of which is not secured by hypothecation of
any asset of the borrower.
u. “Processing Fee” means the non-refundable fees charged by the lender to the Borrower as stated in the Loan Documents for processing the
Loan Application of the Borrower thatshall be paid by the Borrower at the time of disbursal of Loan.
v. “Product” means the product which is sought to be purchased by the Borrower and/orsought to be financed by lender.

B. LOAN AMOUNT:
The lender shall provide the Loan to the Borrower strictly in accordance with T & C under this agreement and other terms & conditions
mentioned in other Documents executed by and/ or agreed upon by the Borrower. The amount of the Loan shall be mentioned in the Loan
Document provided to Borrower in case of each approved Loan.
The Borrower hereby confirms and agrees that lender may disburse the whole amount of the Loan or any part thereof, either in one lump sum
or in such instalments as may be decided by the lender.
The lender reserves the right to, and at its discretion shall be free to, recall the entire Loan and all monies due and payable by the Borrower in
respect of the Loan including Interest Amount, fees, penalties etc., if any information supplied by the Borrower is found to be incorrect or
falseor if the Borrower commits any default under this T & C and/ or the other Loan Document including the Sanction Letter executed by and/
or agreed upon by the Borrower.
That the borrower has confirmed his/her following Bank Account Number details wherein he/she wants to receive loan amount from the
lender. Further, borrower assure to the lender that he/she will not raise any issue once the disbursement is received in given account.
Borrower’s Bank Name : State Bank of India
Borrower’s Account Number : 38632706437
Borrower’s Account IFSC Number : SBIN0013046

C. RATE OF INTEREST:
The annual rate of interest as applicable to each Loan obtained by the Borrower from time to time shall be communicated to the Borrower
before the approval of such Loan(s) by the lender either orally or in writing. The Interest Amount on the Loan shall be calculated at flat rate
basis (i.e. Flat Interest Rate) and such Flat Interest Rate shall remain fixed during the period of Loan. The Flat Interest Rate as well as the
Interest Amount applicable to each such Loan shall be expressly stated in the Loan Documents of such Loan. The Borrower confirms that he
has reviewed and understood the internal guiding principles and interest rate model of the lender as available on the website / application of
the lender for the purpose of determining and calculating rate of interest.
The Borrower understands that the Interest Amount is charged on the amount of the Loan as stated in Loan Document and is likely to vary for
different Borrowers and/or for different loan based on factors like cost of borrowed funds, cost of disbursements, market conditions,
Applicable Laws, default risk, period of loan, purpose, advance paid by the Borrower and financial position disclosed by Borrower while
submitting the Loan Application. The Borrower undertakes that he has agreed to pay the Interest Amount on the respective Loan(s) after
considering such fact and shall not dispute the same in future.
Interest Amount in respect of each Loan will start accruing in favour of the lender on and from the respective Effective Date until the
repayment of the Loan and all monies due and payable by the Borrower in respect of the Loan, including Interest Amount, fees, penalties etc.,
in full to the satisfaction of the lender. In case the Interest Amount, if charged for the period commencing from the Effective Date until the
actual disbursal of the Loan, shall be adjusted in the last Instalment of such Loan. Interest Amount shall be computed on mechanism of daily,
monthly, yearly and EMI basis whichever is applicable with borrower loan request.

D. LOAN REPAYMENT:

Digitally signed by Digitally signed and accepted

Mr. Bharat Soni by Mr. LOKENDRA KUMAR
Date: 06/12/2024 08:09 IST Date: 06/12/2024 08:09 IST
IP: [Link] Reason: Loan T&A Acceptance
 The Borrower undertakes to repay the amount of respective Loan(s) together with the Interest Amount in specified number of instalments of
the equal amount throughout the tenure of each such Loan (hereinafter referred to as “Instalments”), if stated in the Loan Agreement not later
than the respective Due Dates. The amount of EMI along with interest rate shall be calculated by the lender on the basis of Flat or monthly or
per days or annually basis. The amount of the Loan and interest of the loan shall be rounded off to the next one rupee. The details of loan
repayment are specifically described in the schedule “A” & “B” of this agreement. Please refer to these schedule.
The amount of Instalment has been expressly communicated to the Borrower and the Borrower has agreed to the same after fully
understanding the method of computation of the Instalment and the number of Instalment payable on the Loan including Advance Instalment,
if any, as specified in the Loan Document.
The Borrower may pay in advance such number of Instalments as agreed with the lender and specifically mentioned in the Loan Agreement
under any particular Loan (as consent exchange between the parties on “Advance Instalments” OR set out in T&C under this agreement). The
lender is entitled to represent e-mandate/enach before the bank of borrower for the collection of loan/ EMI amount without prior information,
and for such act and re-presentation of the lender the borrower has no objection.
The lender shall adjust the Advance Instalments, if any paid by the Borrower, towards any Outstanding Balance in such manner and at such
time as specifically described in the Loan Document.
The Borrower shall continue to pay the Instalments not later than on the respective Due Dates for each such Loan regardless of whether the
purpose for which the Loan is obtained could not be achieved and/ or any other circumstance whatsoever, or the Product purchased with the
Loan is defective, returned, lost, damaged, under repair or not working or not delivered or the purchase contract with the dealer is terminated
for any reason whatsoever.
Where any tax or other amount, including the interest thereon, is paid by the lender on behalf of the Borrower either to any government tax or
statutory tax or other public authority, or to the dealer, or to any other Person concerned, whether relating to the Product or the Loan granted
to the Borrower or pursuant to any legal proceedings, at any time before, or after, or during the Loan is in existence, the Borrower undertakes
to reimburse the same to the lender along with interest thereon as set forth by the applicable law, or under an arrangement with the dealer, as
the case may be immediately on demand and in the manner specified by the lender.
The Borrower agrees to pay the Instalment, penalties, fees and other sums due and payable by the Borrower to the lender by any of the
following modes as approved by the lender considering the information provided by the Borrower:
Automated Fund Transfer;
Alternate Payment Channel as indicated on the website of Lender;
Any other mode as may be approved by the lender in writing from time to time and informed through Contact Options.
The Lender may, at its sole discretion, change the mode of payment adopted by the Borrower and require the Borrower to make the payment
as per the changed mode:
upon the request received from the Borrower and/ or as agreed with the Borrower, or in the event of default in repayment of the
Loan or any part of the Outstanding Balance by the Borrower, or in case Mandate provided by the Borrower is found to be invalid
or incomplete.
Where the payment by the Borrower is made through Automated Fund Transfer, the Borrower assures that he/she keep sufficient
fund in the account which is in record of the lender.
The Borrower shall maintain sufficient balance in the bank account from which the payment shall be made.
The Borrower shall neither close the bank account nor give any direction to his bank to stop the payment to the lender without
prior written consent of the lender. The Borrower shall be liable to solely bear and pay bounce fee/dishonor charges and late
payment charges imposed by the lender without any protest upon ECS/ENACH or Cheque dishonored. Please refer charges in
Schedule “A”
Mandate shall not be withdrawn or cancelled by the Borrower without prior written notice of at least 30 (thirty) days to the lender.
In the event the Mandate is withdrawn or cancelled by the Borrower upon prior notice to the lender and the same is approved by
the lender, the Borrower unconditionally agrees to ensure the payment through other channels and deliver to the lender all
documents proving sufficiently such change or issue new mandate with immediate effect.
Mandate given to the lender shall remain valid until the complete repayment of the Loan together with all Interest Amount,
charges, penalties or any other amount due to the lender.
The Borrower shall immediately issue fresh Mandate when the Loan has been re-structured, or the Mandate is incorrect/ lost/
misplaced, or any other circumstances have arisen that necessitate modification or change in the existing Mandate. Until then the
Borrower shall continue to make payments through Alternate Payment Channels.
In the event of dishonor of transaction initiated through such Mandate, the Borrower hereby authorizes the lender to present the
Mandate again with the bank of the Borrower forclearance/ payment any time at the sole discretion of the lender without any prior
intimation to the Borrower.
The lender is hereby authorized to debit the bank account of the Borrower one business day before the respective Due Date(s) in the event
such Due Date(s) falls on a bank holiday.
Where the Borrower agrees to make the payment through Alternate Payment Channel or anyother mode approved by the lender, the Borrower
undertakes that such payment shall be made only to the Person or agency duly authorized in writing by the lender.
Any fee/ cost charged by such Persons or agencies authorized by the lender for receiving any amount payable by the Borrower under this
Agreement shall be solely borne by the borrower.
The lender shall not be held responsible for delay or failure in payment of Instalments caused due to the loss or damage of the mandate or due
to any default of the collecting/ processing bank, or for any failure occurred in accepting and/ or crediting such payment in favour of the
lender due to any discrepancy or non-functioning of the outlets/ kiosks of such Person / agency and the Borrower shall be liable to solely bear
and pay late payment charges, as applicable, imposed by the lender. The borrower understands and agrees that any such delay, non-
performance, or default shall not affect the liability of the borrower to repay the Loan along with the Interest Amount, fees and other charges.
The Borrower shall be solely responsible to ensure that respective Instalments are remitted to the lender in time without any delay or default.

Digitally signed by Digitally signed and accepted

Mr. Bharat Soni by Mr. LOKENDRA KUMAR
Date: 06/12/2024 08:09 IST Date: 06/12/2024 08:09 IST
IP: [Link] Reason: Loan T&A Acceptance
 Notwithstanding anything contained under this T & C and/ or the other Loan Documents including the Sanction Letter or loan agreement
executed by and/or agreed upon by the Borrower, the lender shall have the right to increase the number of Instalments and/ or alter and/ or
reschedule the Instalments and their amounts, resulting whether because of (i) change in stamp duty, or any levy of any direct/indirect tax
duties, cess or other charges by any government authority, or (ii) at the request of the Borrower received in writing.
The lender shall have the absolute right to decide the manner and the extent of such increase/ alteration/ re-scheduling with prospective effect
or, if decided so by the government authority in the respective change, with retrospective effect. The Borrower expressly confirms to issue
fresh Mandate, or make the payment through Alternate Payment Channel or any other mode approved by the lender, based upon such
increase/alteration/rescheduling and, where such Instalments have been increased/ altered/ reschedule at the request of the Borrower, to pay
any applicable charges/ fees as communicated to the Borrower or indicated on website of the lender.
Unless otherwise decided by the lender at its sole discretion, any amount paid, or prepaid, by the Borrower, either as Instalment or otherwise,
shall be adjusted first towards the penalties and charges, if any due and payable by the Borrower, then towards the overdue Instalment(s) and
then towards balance of the Interest Amount and the Loan principal respectively.
The Borrower represents and undertakes to the lender that the Borrower shall be solely and absolutely liable for the repayment of the
outstanding balance in respect of each loan from time to time and he would repay/ pay the same without any requirement of any notice,
demand or intimation by the lender and the borrower further undertakes and confirms that he/she shall not withhold or be entitled to withhold
the payments demanded by the lender and/or payment of any Instalment and/or any other amount payable under the present T & C by the
Borrower to the lender, on any ground/dispute whatsoever, including but not limited to the existence of any dispute including any dispute
relating to computation of Interest and/or Instalment.
Any amount paid to any individual account or employee account for loan repayment, the lender wouldn’t be responsible for the same.

E. FEES, CHARGES AND OTHER PAYMENTS:

The Borrower confirms and undertakes that Processing Fee, Documentation Fee, Credit Assessment Fee or any other charges as applicable to
each such Loan applied and/ or obtained as requested by the Borrower from time to time shall be borne and paid by the Borrower duly on time
as per the terms and conditions of the Loan Document.
The Borrower understands and acknowledges the digital Fintech provider may charge Fintech fees for facilitating the loan on their Fintech
platform. The Borrower further confirms and undertakes that applicable Fintech fees shall be borne and paid by the Borrower at the time of
disbursal of loan or such other time as per the terms and conditions of the Loan Document.
The Borrower hereby authorize M/s R. K. Bansal Finance Private Limited (Ram Fincorp) to deduct applicable Fintech fees and taxes from the
loan amount to be disbursed and be remitted to the digital Fintech provider.
The Borrower confirms and undertakes that Late Payment Charges, Direct Debit Bounce Fee and other charges/ penalties, as applicable to
each Loan obtained by the Borrower from time to time, shall be borne and paid by the Borrower duly on time as per the terms and conditions
of the Loan Document. Further, the Borrower understands and agrees that the lender has the right to revise any such charges/ fees and
penalties from time to time, the notice of which may be given to the Borrower by posting the same on the website of the lender or through
such Contract Optionsas decided by the lender at its sole discretion.

F. PRE-PAYMENT OF THE LOAN:

In case the borrower intends to prepay all or any of the Loan(s)or any of their part before theexpiry of respective loan period, the Borrower has
to give a prior notice of at least 30 (thirty) days to the lender in writing of his intention to prepay the Loan.
For the purpose of pre-payment of the Loan, the Borrower shall pay to the lender the stipulated instalments along with any applicable penalties
and charges due to be paid by the Borrower upto the date of such prepayment as stated in the Loan Document or charged under this T & C and
the Loan principal outstanding calculated above.
Further, any pre-payment of any of the Loan(s) by the Borrower shall be subject to expiry of the minimum moratorium period i.e. period
during which the loan cannot be terminated by Borrower as stated in the Loan Document and the payment of prepayment penalty as applicable
to such Loan(s).
Notwithstanding the repayment schedule or conditions of this T & C, the Loan is repayable on demand made by the lender and the lender shall
have the right to be paid immediately by the Borrower on demand, the entire Outstanding Balance in the event the instruction or order to recall
the Loan is issued by the concerned regulatory authority or the court of law for any reason whatsoever.
The Borrower shall make payment of the entire Outstanding Balance immediately on such demand being received from the lender. In such an
event, the lender shall also be entitled to adjust any amount of the borrower lying in any other form with the lender or any of its associates or
branches towards the dues of the borrower under the Loan.
G. DEMAND PROMISSORY NOTE:
In case the borrower has executed DPN (demand promissory note) in the form as approved by the lender in favour of the lender, for the
aggregate of the loan amount and interest amount, the borrower undertakes that the lender shall be entitled to negotiate the demand
promissory note.
The borrower waives presentment and notice of dishonor of the demand promissory note.
H. MODE OF COMMUNICATIONS:
This term and condition also governs the use of any telephone (either through human interface or IVR), fax, e-mail, short messaging service
(sms), mobile applications, online customer portal and/ or other options as made available by the lender to its Borrowers from time to time for
availing Loans(s) facilities from the lender, and any consent provided, or agreement entered into, by the Borrower (including but not limited to
the consent to the Sanction Letter and this term and conditions) by the use of any such contact options shall be valid and binding upon the
borrower. The lender may, at its sole discretion, allow the borrower to apply for and/ or obtain loan(s) or avail various other services/ facilities
from the lender from time to time over any of the aforesaid contact options. All such applications, or requests of the borrower to the lender
through any of the aforesaid contact options shall be valid and binding upon the borrower and shall constitute a valid and binding contract
between the lender and the borrower if the same is also approved by the lender.

Digitally signed by Digitally signed and accepted

Mr. Bharat Soni by Mr. LOKENDRA KUMAR
Date: 06/12/2024 08:09 IST Date: 06/12/2024 08:09 IST
IP: [Link] Reason: Loan T&A Acceptance
 The borrower authorizes lender to accept all the instructions/ applications/ requests made by borrower through any of such contact options
opted by the borrower for the purposes of considering, granting, approving, or disbursing the loan(s) by the lender, as the case may be, as per
the terms and conditions of this agreement. Further, the borrower agrees and confirms that all loan documents sent by the lender to the
borrower over any of the contact options shall be valid and binding on the borrower.
By referring to or using any of the contact options, the borrower confirms that the borrower is doing such act for using the service for the
purpose it is meant and no other malicious intent. The Borrower agrees that the phone number, e-mail address and other details provided by
the borrower for himself and his references, either in the loan application or otherwise, for availing contact options or for any call-back is
owned by and belong to the borrower only. The borrower further confirms that the sanction letter, or other loan document, or any information
pertaining to the loan of the borrower, shall be deemed to be received by the borrower if sent by the lender to the address of the borrower in
physical form (through courier, post, or by hand) or if sent at the e-mail address, mobile number, online customer portal, whatsapp, fax
number or other contacts as provided by the Borrower to the lender.
The borrower understands and agrees that accepting instructions, or approving the Loan, through any of the Contact Options shall at all times
be subject to the sole discretion of the lender and that lender may, at its sole discretion, refuse to act based on such instructions. The borrower
acknowledges that the range of services/ loan(s) provided over the contact options may change from time to time. The borrower agrees that the
lender may add or discontinue anytime all or any of the contact options for granting loan(s) and other related services by sending notice/
communication to the borrower through e-mail/ sms/ phone call/whatsapp online customer portal or communicate it through its website. The
borrower confirms that the lender has the absolute right to make changes in the terms and conditions for availing all or any of the contact
options. The borrower’s use of these Contact Options or related services after the effective change/ amendment date of the terms and
conditions of the contact options will constitute borrower’s acceptance of and agreement to such change(s).
The borrower agrees that, in the case of telephone communications (including AVR, SMS, Mobile Applications etc.) or online customer
portal, as the case may be, the lender may require the borrower to use/enter a password allotted by the lender to such borrower or may ask the
borrower questions about himself/herself and about particulars of the borrower’s loan account(s) including a personal identification number in
order to verify the borrower’s identity and/ or may require a call-back procedure, all as deemed appropriate by the lender. The borrower is
obliged to keep any password and any identification number designated by or provided to him/her hereunder as confidential, and he/she shall
be responsible for any consequence that may arise from the use ofsuch password by any other Person.
The lender shall not be liable in any manner for access to the account of the borrower by use of the user password by any person whomsoever.
The borrower irrevocably and unconditionally consents to the lender recording of all the Borrower’s electronic communication (e.g. telephone
calls, electronic mail, sms, mobile application or other) and storage of electronic media by the lender and accepts such recordings and
electronic media as evidence with regard to acceptance of all the terms of the Loan(s) including, but not limited to, the grant of the Loan, levy
of any fee/ charges, Interest Amount over each such Loan (s), rate of Interest applicable on each such Loan, period for each such Loan
borrowed by borrower and the number/ amount of monthly instalment borrower has to pay to the lender for each such Loan. The Borrower
further accepts that such record may be used by the lender as evidence in a court of law or any legal proceeding.
It is also understood and agreed to by the borrower that only the borrower shall communicate instructions over the contact options. The lender
does not have to accept telephone/ mobile/ sms/e- mail/whatsapp instructions by a nominee of the borrower, and the borrower will not allow
anyone other than the borrower to make telephone/ mobile/ sms/e-mail/ whatsapp online customer portal instructions on his/her behalf.
The Borrower confirms that he/she is fully aware of and consents to the risks associated with transmitting instructions for obtaining Loan(s)/
funds transfer via contact options. The borrowers agrees that confirmation of the borrower’s identity, by the borrower’s submission of the
personal details required by the lender, will be sufficient evidence for the lender to identify the borrower and to act upon the borrower’s
instructions. The borrower authorizes the lender and directs the lender to act upon instructions for funds transfer given via such contact
options purportedly issued by, believed by lender to be issued by or originated from the borrower as identified in the loan application or
related documents.
The borrower agrees that the lender’s records (be they electronic, written or otherwise) pertaining to each of the Loan obtained from the lender
will be final and binding and that the borrower shall not deny the validity of the transactions made in relation to the Loan(s).
Before using any of the contact options, the borrower is required to read and electronically agree to (“sign”) related terms and conditions
and/or disclosures.
The lender may allot a user password for the Borrower and the borrower agrees as follows:
The user password may be communicated to the borrower in such manner as may be deemed fit by the lender at the risk of the
borrower;
The borrower shall not disclose the user password to any person and shall further prevent discovery of the same by any Person.
The lender, may at its discretion allow the borrower at any time to access the details of the loan and verify the statements and
position based on the user password issued.
In case of loss, theft and disclosure of the user password, the borrower shall communicate the same to the lender and in any event
not later than 48 hours.

I. ASSIGNMENT, SALE AND SUB-CONTRACTING:

The lender shall be entitled to sell, transfer, assign, or securitize any of its right and obligations hereunder to any person without the consent of
the borrower. Any such sale, assignment, securitization or transfer shall conclusively bind the borrower. The borrower shall be bound to fulfil
and perform all his/her obligations to such transferee/ assignee, including the payment of outstanding balance. The borrower confirms and
agrees that transferee/assignee shall be entitled to collect the due amounts in respect of a Loan from the Borrower.
The lender shall also have the right to share all information and documents relating to the borrower and/or the Loan amount availed by the
borrower and/ or the default committed by the borrower with the person to whom the lender has sold, assigned, securitized or transferred in
any other manner, all or any of the rights/ obligations of the lender as per this terms and conditions of the this agreement, and the Borrower
confirms he/she has no objection if such details, information and documents relating to the borrower are so shared.

Digitally signed by Digitally signed and accepted

Mr. Bharat Soni by Mr. LOKENDRA KUMAR
Date: 06/12/2024 08:09 IST Date: 06/12/2024 08:09 IST
IP: [Link] Reason: Loan T&A Acceptance
 The borrower expressly recognizes and consents to the right of the lender to appoint and authorize one or more persons, who may or may not
be the employee or officer of the lender, to exercise any or all the rights/ powers of the lender provided under this agreement, whether relating
to the administration, processing, collection, recovery of the outstanding balance on behalf of the lender,and to provide such Persons all or part
of the information/ data relating to the borrower and/or the loan availed by the borrower and/ or the default committed by the borrower.
The borrower shall not assign or sub-contract its rights and obligations under this agreement to any other person without the prior consent in
writing of the lender.

J. EVENTS OF DEFAULT:
The borrower shall be deemed to have committed default if the borrower fails to comply terms and conditions of this agreement or any other
document. The events of default shall include, but not limited to, following circumstances:
Any misrepresentation made, or wrong information provided, by the borrower to lender either orally or in writing in any of the
documents provided to lender or borrower fails to furnish any information required by lender under the Documents; or
If the Loan is, directly or indirectly utilized for any illegal, anti-social or speculative purpose, or for any purpose not permitted by
the concerned government authority (Government of India, State Government); or
If the borrower fails to comply with any of the covenants mentioned in this agreement or anyother document or as may be agreed
upon with lender from time to time, or any representation and/or warranty of the borrower proves to be illegal, invalid, misleading
or untrue, or
If the borrower takes any steps, or any steps are taken with a view to the appointment of a receiver, trustee or similar officer of any
of his/her assets; or the borrower commits anact of insolvency or makes an application for declaring himself/herself an insolvent
or an insolvency notice is served on the borrower, or an order is passed against the borrower declaring him/her an insolvent/
insane; or
If the borrower is prosecuted in respect of any offence; or
If the borrower fails to pay the instalment, interest amount, penal charges, or any other amount or any part thereof due to lender on
the respective due dates as required under this agreement or sanction letter or under any other agreement/ arrangement for loan
taken from lender; or
If any security created for the Loan becomes infructuous or is challenged by the borrower or any other Person, or
If any other event has occurred which in the opinion of lender jeopardizes its interest and would make it difficult for lender to
recover the outstanding balance.
The borrower has given permission and indemnify to the lender for access and contact on the said references contact numbers to call and ask
for meeting and visit the premises of the contact holder in respect to borrower’s loan. So, that the loan amount of the lender can be easily
collectable through borrower’s references contact via cross approach. This process shall be use by the lender in case of willful default and
failed to give false commitment by them borrower.
In case borrower failed to pay loan amount to the lender after several opportunity and has changed personal mobile number and contact
details, then, the lender and its employee or recovery agent are entitled to contact borrower via using references contact details provided by
borrower, emails, whatsaap, sms, call logs or any other mode, which was allowed and permitted by borrower to the lender.

K. REMEDIES IN CASE OF DEFAULT:

The borrower acknowledges following rights of lender, arising either under this agreement or provided under the applicable law, against one
or more defaults made by the borrower, whereas these rights of lender shall become enforceable immediately on the occurrence of any
default–
Where the complete instalment or any other borrower’s dues are not paid to lender on or before the respective due dates, lender may demand
and collect the penal charges and other charges on such delayed payment computed from the respective due dates as stated in the loan
document, for each of the default.
To recall the entire outstanding balance and recover immediately the outstanding in respect of each of the default. Not to release the charge/
hypothecation created over the security, if any, in case the borrower has defaulted in repayment of any loan of whatever nature obtained from
lender, until the repayment of entire outstanding balance and to enforce such charge/ hypothecation so created for the purpose of recovery of
the outstanding balance.
The lender shall have a paramount lien and right of set off on/ against (a) all insurance proceeds whatsoever from the security as and when
created, (b) any money to be paid/refunded by lender to the borrower arising out of any other agreement/ arrangement as well as (c) all other
monies, securities, deposits of any kind and nature and all other assets and properties belonging to the borrower or standing to the borrower’s
credit (whether held singly or jointly with any other person), which are deposited with/underthe control of lender whether by way of security
or otherwise pursuant to any contract entered/to be entered into by the borrower in any capacity and lender shall be entitled and authorized to
exercise such right of lien & set off against all such amounts and assets for settlement of the borrower's due with or without any further notice
to the borrower.
If required by lender in the event of borrower’s failure to make the payment through any of the mode provided under this agreement, the
borrower shall intimate and instruct his/her employer, in case the borrower is employed, to transfer every month from his/her salary/
emoluments a specific sum (being the Payment) towards the repayment of the Loan to lender.
The borrower confirms that lender shall have the authority to approach his/her employer directly for repayment of payment and/or any other
charges/sums due from the borrower to lender.
To initiate appropriate legal proceedings before the arbitrator or before Court of Law, as case may be, for taking recourse to the legal remedies
provided in applicable law in force from time to time.
The borrower shall be liable to immediately reimburse the entire cost to lender in respect of all legal/ arbitration proceedings, including but
not limited to, the fees of lawyers, court fees, legal notices, reminder notices, letters, legal summons etc. without any dispute/ protest.

Digitally signed by Digitally signed and accepted

Mr. Bharat Soni by Mr. LOKENDRA KUMAR
Date: 06/12/2024 08:09 IST Date: 06/12/2024 08:09 IST
IP: [Link] Reason: Loan T&A Acceptance
 The lender shall be entitled to exercise such other rights as may be available to it under this agreement and/ or the other loan documents
executed by and/ or agreed upon by the borrower and/ or under applicable law lender may, apart from exercising all or any of the aforesaid
rights in case of default(s) caused by the borrower, enforce following rights with respect to any security/ hypothecation created in favour of
lender:
To send the notice in writing to the borrower informing about such default and/ or calling upon the borrower to make payments of
all the dues in respect of the loan and,if the borrower fails to comply with such notice, lender shall have right to take possession of
the security if the dues remain unpaid within seven days from the date ofsuch notice.
If the borrower fails to comply with the demand of lender to hand over the secured productto the representative of lender, lender
shall have right as per the applicable law to enterinto any place or premises where such security is situated or kept or stored, and
for the purpose of such entry, to do all acts, deeds or things as are deemed necessary by lender or its representatives and to take
charge and/or to seize, recover, receive and/or take possession of all or any of the security.
If the borrower fails to comply with the demand of lender to hand over the secured Product to the representative of the lender, the
lender shall have right as per the Applicable Law to enter into any place or premises where such Security is situated or kept or
stored, and for the purpose of such entry, to do all acts, deeds or things as are deemed necessary by lender or its representatives
and to take charge and/or to seize, recover, receive and/or take possession of all or any of the Security.
Upon taking possession of the security, lender may call upon the borrower to repay and close the entire loan amount with interest
amount and all applicable charges, fees, costs and penalties as per the loan document, including expenses incurred for taking and/
or storing the possession of the security before the sale/auction of the security within the time specified by lender in such notice
and if the borrower honors and makes the payment of the entire loan amount with interest amount, fees, penalties, costs and other
applicable charges in accordance with such notice, lender shall handover the subject of the security to the borrower provided this
does not bar lender rights to take such similar action for any future defaults made by the borrower. In case the borrower fails to
comply with such requisitions and demand made by lender as mentioned in this agreement, the lender shall be at liberty to
forthwith or at any time, either by public auction or tender or private contract, to sell and dispose off all or any part of the security
to any third party in such manner as lender shall think fit without any further notice or intimation to the borrower. After selling/
disposing off the said security, if the sale proceeds thereof is less than the total outstanding balance as on the date of such sale/
disposal, the borrower shall be liable to pay such shortfall to lender within the time period specified by lender. if borrower fails to
pay the outstanding balance amount within the given time period, lender would be duly entitled to recover the outstanding balance
amount along with interest amount and other charges from theborrower as per law. It is hereby clarified that lender would also be
duly entitled to initiate proceedings for recovery of the outstanding balance on the loan even without first repossessing the
product.
In case the borrower commits default in the repayment of any sum owing under any such loan (including the payment of interest
thereon) on the due date(s), lender and/or the reserve bank of India will have an unqualified right to disclose or publish the
information and data relating to the borrower and/or the loan availed by the borrower and/ or the default committed by the
borrower to other banks, financial institutions, the credit information companies or any other authorized agency in such manner
and through such medium as lender or Reserve Bank of India in their absolute discretion may think fit in accordance with the
applicable law and the borrower agrees and gives consent for the disclosure, processing, or use of such information/ data by
lender/ Reserve Bank of India/ credit information companies. The lender or its officers, agents or nominees shall not be in any way
responsible for any loss, damage, limitation, or depreciation that the borrower and/ or security (if created) may suffer orsustain on
any account whatsoever in respect of loan or whilst the security is in the possession of lender, its officers, agents or nominees or
because of exercise or non-exercise of the rights, powers, or remedies available to the lender or its officers, agents or nominees
and all such loss, damage or depreciation shall be debited to the account of the borrower howsoever the same may have been
caused. neither lender nor its agents, officers or nominees shall be in any way responsible and liable and the borrower hereby
agrees not to make lender or its officers, agents or any nominees liable for any loss, damage, limitation or otherwise for any
belongings and articles that may be kept or lying in the security at the time of taking charge and/or possession, or seizure of the
security.
The borrower undertakes and confirms that security repossessed by lender shall be sold by lender on behalf of the borrower and
the transfer of ownership in the security would be directly from the borrower to the new buyer. Any liability on account of tax,
GST, TDS, or any other tax/ duty levied or imposed on such sale and paid by lender shall be recovered by lender from borrower
either from the sale proceeds of the security or in any other manner whatsoever.

L. NOTICE:
The Borrower agrees and confirms that where any document, notice, intimation, information, communication and/ or demand is required to be
provided/ made by lender to the borrower under this agreement and/ or the other documents and/ or applicable law, such document, notice,
intimation, information, communication and/ or demand shall be deemed to have been provided/ made and shall be binding of the borrower if
the same is rendered or made availableby lender by using any of the contact options.
Any such notice by lender will be deemed to be effective if sent by personal delivery, when delivered, if sent by post, two days after being
deposited in the post and if sent by courier, twodays after being deposited with the courier and if sent by e-mail/whatsapp/ sms/ fax or posted
on online customer portal, immediately upon the same being sent by lender. Without prejudice, lender may also send any notice to the
borrower on any additional address (s), which come to its knowledge. In case lender intimates its change of address to the borrower, the
borrower shall also send the notice to that address also. Any notice by borrowershall be sent either by personal delivery, or by registered post,
and shall be deemed to be delivered only when it is actually received by lender.
Cooling off period/ look up period:
For loan tenor less than 7 days: Cooling off period is one(1) day.
For loan tenor more than 7 days: Cooling off period is three (3) days.
No penalty will be levied for the payment of principal amount and proportionate APR during cooling period.

Digitally signed by Digitally signed and accepted

Mr. Bharat Soni by Mr. LOKENDRA KUMAR
Date: 06/12/2024 08:09 IST Date: 06/12/2024 08:09 IST
IP: [Link] Reason: Loan T&A Acceptance
M. USE OF LOAN:
The borrower ensures that no part of the loan shall be utilized for any illegal purposes and/or immoral activities, gambling, lottery, races and
activities speculative in nature and/or such other activities of similar nature or under influence, voracity or coercive action from lender. The
borrower further confirms that lender has neither represented the borrower that it is the dealer/ manufacturer of any product nor has given any
assurance on the quality of any product.
The borrower, in case of purchase of any product with the loan, accepts the entire risk for non-performance, non-delivery, breach or supply of
inferior or damaged product by the dealer and lender is not liable to the borrower for any liability, claim, loss or expense of any kind caused
directly or in-directly to the product. Any dispute or difference whatsoever relating to non- performance, non-delivery, breach or supply of
inferior or damaged product shall not entitle theborrower to withhold and/or delay any payment to lender under this agreement.
if the product is found to have any manufacturing defect, or any defect occurred in the product during the warranty/ guarantee period, the
borrower shall, without holding lender responsible and/ or liable, immediately inform lender about such defect and approach the dealer for
replacement of the product or rectification of the defect, as the case may be, and the borrower shall not deduct any cost incurred in such
replacement/ rectification from any sum payable to lender in terms of this agreement.
The borrower shall be solely responsible to keep the product fully and comprehensively insured from time to time against all risks, whatsoever
that may arise to the product, to the extent of the full market value thereof. in the event of any loss or damage to the product provided as
security to borrower, which render such product non-reparable or inoperative, the first claim on any insurance proceeds shall be that of lender,
which proceeds shall be applied bylender towards the borrower’s dues in terms hereof or in such other manner as deemed fit by lender.

N. DECLARATIONS BY THE BORROWER:

The borrower makes the following representations and warranties to lender as of the date of this agreement and such representations and
warranties shall be repeated on each day until the repayment of the entire outstanding balance in full to the satisfaction oflender:
That under terms and conditions of this agreement and all Documents, hereunder as required, will be valid and binding obligations
of the borrower and enforceable in accordance with their respective terms until lender has issued a certificate in writing to the
borrower stating that borrower has discharged all his/ her liabilities towards lender under all the loans to the satisfaction of lender.
That the borrower does not violate any covenants, conditions and stipulations under any existing agreement entered into by the
Borrower with any third party by availing the loan from the lender.
The Borrower hereby declares that all the information provided by the Borrower, either verbally or in writing or by way of any of
the contact options, and documents submitted before or at the time of submitting Loan Application, or before or at the time of
execution of this agreement are true, genuine and correct and the borrower further assures that any information demanded by
lender in the future shall be immediately provided by the borrower with completeaccuracy.
The borrower hereby confirms that the borrower shall not have any right to terminate this agreement until the whole of the
outstanding balance is repaid in the manner directed by lender.
The borrower hereby consents that lender and/ or his/her authorized representative may communicate with the borrower either by
phone calls, sms, whatsapp, electronic mails or through any other mode of communication available for the purpose of discussing
the current status of his/her loan(s) or reminder/ collection of any dues in respect of any Loan or for any matter related to the
Loan(s) and such phone calls, SMS, etc., shall not be covered under the purview of “Do Not Disturb” policy of the Telecom
Regulatory Authority of India (TRAI).
For this purpose, borrower hereby grants permission to lender to contact him/her any time between 07:00 AM to 07:00 PM from
Monday to Sunday. The borrower may inform lender if some other time is convenient for the borrower by calling the customer
care department of lender.
The borrower agrees, consents and permits lender to disclose to the borrower’s family members (i.e. parents, spouse, children,
sisters and brothers) or other persons whose details have been provided by the borrower either in loan application form or
otherwise from time to time, all necessary or relevant particulars/information relating to the borrower and the loan for any legal
purpose required by lender.
The borrower undertakes to pay each of the monthly instalments on or before the respectivedue dates without any default.
The borrower undertakes to inform lender within 07 days of any change in his/her residential address, employment, telephone
numbers, or change in any of the details provided to lender inwriting or by using any contact options as made available by lender.
The borrower confirms that there is no action, suit, proceedings or investigation pending or, to the knowledge of the borrower, is
threatened, by or against the borrower before any court of law or any government authority which might have a material adverse
effect on the financial and other affairs of the borrower or which might put into question the validity or performance of this
agreement.
The borrower shall intimate lender promptly of any dispute which might arise between the borrower and any person or any
government authority thereby affecting the ability of the borrower to repay the loan in the manner stipulated hereunder.

O. OTHER CONDITIONS:
Where any part or provision of this agreement or any Document becomes illegal, invalid or unenforceable under the law, the remaining part or
provisions of the agreement or such Documentshall remain valid and enforceable so far as they are not affected by the part or provision that
become illegal, invalid or unenforceable.
The lender shall be entitled to amend any of this agreement or any other document at any time at its sole discretion. Any such amendment
shall have prospective effect. The borrower shall be informedabout any such amendment by posting such amendment on the website of lender
or through any contact options as decided by lender at its sole discretion. Any such amendment made to the agreement by lender shall be
binding upon and enforceable against the borrower. The borrower shall have the option to repay the outstanding balance to lender within the
time period specified by lender on the website or as agreed with lender in case the borrower does not agree to the amendment of any of the
terms & conditions of this agreement or any other document.

Digitally signed by Digitally signed and accepted

Mr. Bharat Soni by Mr. LOKENDRA KUMAR
Date: 06/12/2024 08:09 IST Date: 06/12/2024 08:09 IST
IP: [Link] Reason: Loan T&A Acceptance
 The lender shall have the absolute discretion to opt and exercise all or any of the aforesaid rights available to lender, however, where lender
chooses to exercise one right over the other, lendershall not be deemed to have waived off the option of exercising that other right in future.
The borrower agrees to comply with all Applicable Laws from time to time in force includingany amendments, modification or change thereof
which may be attracted and the Borrower shall indemnify lender in respect of any loss, claim or expense to lender as a result of non-
compliance of any such Applicable Laws. In case of discrepancies, if any, between agreement and the Loan Agreement, the terms and
conditions mentioned in the Loan Agreement shall prevail.
Where the agreement or any other Document has been executed or referred in any language along with or other than English Language, the
copy of agreement or such other Document executed or referred in English language shall be considered correct and final in case of any
dispute arisingdue to interpretation of any word, sentence or any clause in other languages.

P. DISPUTE RESOLUTION AND JURISDICTION:

Every dispute, difference, or question which may at any time arise between lender and the borrower in respect of the loan or any person
claiming under them, touching or arising out of or in respect of this agreement or any other document or the subject matter thereof and/ or any
loan shall be referred to a sole arbitrator to be appointed by lender for arbitration. the arbitration proceedings shall be governed by the
provisions of the arbitration and conciliation act, 1996 with such modification and amendments as may be time being in force and the decision
of the arbitrator shall be final and binding on the parties. the borrower hereby agrees and confirms that the arbitration agreement contained in
this agreement would constitute a valid and binding arbitration agreement between the borrower and lender even if this agreement is accepted
and agreed upon by the borrower through any of the contact options provided by lender. The place for holding such arbitration proceedings
shall be Delhi, India and the language for such proceedings shall be English only.
This agreement governed by and construed in all respects with the Indian laws and the parties hereto agree that any matter or issues arising
hereunder or any dispute hereunder shall, at the option/discretion of lender, be subject to the exclusive jurisdiction of the courts of Delhi,
India.

Q. DISCLAIMER:
The lender is having a valid Certificate of Registration bearing No. B-14.00700 issued by the Reserve Bank of India under section 45-IA of
the Reserve Bank of India Act, 1934. However, the Reserve Bank of India does not accept any responsibility or guarantee about the present
position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions
expressed by the company and for repayment ofdeposits/discharge of the liabilities by the company.

R. ACCEPTANCE:
The borrower confirms having perused, understood and agreed to this entire agreement constituting of above clauses including the loan and
product details, lender’s method of calculating instalment and applicable charges. The aforementioned agreement and other documents have
been explained to the borrower in the language understood by the borrower and the borrower has understood the entire meaning of the various
clauses stated in this agreement.
The borrower is aware that lender has agreed to grant loan to borrower only on the basis of the representations and warranties made by the
borrower and the undertaking provided by the borrower to abideby the terms of this agreement.
******

Digitally signed and accepted

Digitally signed by by Mr. LOKENDRA KUMAR
Mr. Bharat Soni Date: 06/12/2024 08:09 IST
Date: 06/12/2024 08:09 IST Reason: Loan T&A Acceptance
IP: [Link] IP: [Link]
 DEMAND PROMISSORY NOTE

On demand I, LOKENDRA KUMAR,(hereinafter referred to as the Borrower and unconditionally promise to pay M/s R.K.
Bansal Finance Private Limited (Ram Fincorp), a company registered under the Companies Act, 2013 (as amended up to date)
and having its Registered Office at 8/9, 2nd Floor, WEA, Karol Bagh New Delhi, Central Delhi-110005, sum of Rs. 17360/-
(Rupees seventeen thousand three hundred sixty Only) (hereinafter referred to as “Loan”) for value received together with
interest thereon on the said loan amount from this date at such rate of interest as agreed upon between the Borrower’s and
Lender under the loan disbursement letter together with overdue charges, costs, expenses and charges due and payable by the
Borrower to the Lender under one time settlement or installment payment as the case may be approved by the lender only.

Revenue stamped duly signed by:

Borrower’s across it

Signature of the Borrower

LAN: HC202412060725406672

Date: 06 Dec 2024

Digitally signed by Digitally signed and accepted

Mr. Bharat Soni by Mr. LOKENDRA KUMAR
Date: 06/12/2024 08:09 IST Date: 06/12/2024 08:09 IST
IP: [Link] Reason: Loan T&A Acceptance
 LETTER OF CONTINUITY

To,
R.K. Bansal Finance Private Limited, (Ram Fincorp)
Office: 8/9, 2nd Floor, WEA,
Karol Bagh New Delhi, Central Delhi-110005

Dear Sir,
I, LOKENDRA KUMAR, enclose herewith a duly executed Demand Promissory Note dated 06 Dec 2024 for Rs.
17360 (Rupees seventeen thousand three hundred sixty Only) (hereinafter referred to as the “loan”) executed by me which is
given to you as security for the repayment of the loan which is at present outstanding in my name and also for the repayment of
any further amount of penalty, interest and re-loan facility which may I availed of hereafter from you and the said promissory
note is to be a continuing security to you for the repayment of the ultimate balance and or/ all amounts remaining unpaid on the
loan, now or hereafter, including all interest to become payable in respect of /under the loan or which may in future be advanced
together with overdue charge, costs, expenses and charges due and payable by the Borrower to R.K. Bansal Finance Private
Limited (Ram Fincorp) and I shall remain liable on the said Demand Promissory Note notwithstanding the fact that by payments
made into the said loan account from time to time the balance therein may be reduced or extinguished or even though the
balance in the said account may be at credit.

Yours faithfully

_______________________________
Signature of the Borrower
LAN: HC202412060725406672

Digitally signed by Digitally signed and accepted

Mr. Bharat Soni by Mr. LOKENDRA KUMAR
Date: 06/12/2024 08:09 IST Date: 06/12/2024 08:09 IST
IP: [Link] Reason: Loan T&A Acceptance
 LOAN DISBURSEMENT LETTER
“Schedule-B”
Loan reference No: 3708409
To,
LOKENDRA KUMAR, (Borrower)
R/o CJR7 CG5, Mudiya Kheda, Madhya Pradesh 464651, India,Mudiya Kheda,Mudiya Kheda,464651
Email: kushwahalokendra06@[Link]
Mob: 8279842538

Dear Mr. LOKENDRA KUMAR,

This Loan Disbursement Letter is made in reference to your Loan Application Number HC202412060725406672 along with
Loan Sanction Letter Number 1629383. This loan amount is disbursed to you based on the information provided by you in your
loan request / application along with purpose of loan as stated by you with our credit manager. We are pleased to inform you that
your loan application has been approved and we are remitting following loan amount in your account.

Sl. No. Particulars Terms of Loan

1. Rate of Interest (ROI) Interest 1% per day and maximum 45% per month shall be charged by
the lender subject to repayment option availed by the borrower.
2. Penal Charges In the event of failure to make payment on due date, a penal charges of
.1% per day on principal outstanding shall be applicable from the due
date until the date of payment.
3. Processing Fee Processing fee shall be charge Rs.1400/-
4. Statutory deduction/Taxes Statutory tax shall be applicable and deducted by the lender from the
loan
5. Fintech Fee Rs.0/- Fintech Fee shall be charged by the Lender.
6. Installment Amount If the repayment of loan opted by the borrower in installments, then the
installment amount shall be confirmed by the lender according to
number of installments of the total outstanding amount.
7. Number of Installments 1
8. Installment Frequency Daily
9. Payment on due date If the repayment not opted by the borrower in installment then the total
outstanding/due amount shall be paid by borrower on or before due
date.
10. Loan Repayment Schedule As prescribed in the Loan Agreement
11. Loan Disbursement Amount Rs.14000
12. Disbursement Date 06 Dec 2024

Yours truly,

M/S R. K. BANSAL FINANCE PRIVATE LIMITED (RAM

FINCORP)
(Authorized Signatory)
Place: New Delhi
Date: 06 Dec 2024

Digitally signed by Digitally signed and accepted

Mr. Bharat Soni by Mr. LOKENDRA KUMAR
Date: 06/12/2024 08:09 IST Date: 06/12/2024 08:09 IST
IP: [Link] Reason: Loan T&A Acceptance