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LOAN APPLICATION ACKNOWLEDGMENT

Loan Application No.: IF000000105689

The Lender acknowledges receipt of your Application Form together with the Standard Terms (Loan Facility). We will revert
with status of your application within five (5) working days. This is subject to you furnishing all the necessary documents as
mentioned in the Application Form or as communicated to you by Lender to its satisfaction, during the loan appraisal process.

Dear Jyotiba Dnyanoba Jadhav,

We thank you for applying to “InstantFunds” and we hope that we were able to address your immediate need for Loan. We are
happy to extend an “InstantFunds” loan to you.

Even though your first loan application to “Instant Funds” takes us a while to process, and have funds transferred to your bank
account, we endeavor to ensure that your next loan within minutes, providing you with hassle-free services.

Please remember to sign all the pages of the loan agreement, NACH/ECS mandate and copy of your KYC documents. We will
endeavor to transfer funds to your bank account soon.

Regards,

Authorised Signatory

BP Securities (India) Private Limited

In case you need any assistance, please write to us at E Mail - [email protected] or call us on Contact No. +91-9818063925

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

Dear Jyotiba Dnyanoba Jadhav,

Loan Application No.: IF000000105689

After reviewing your loan application, we are pleased to inform you that loan has been sanctioned on May 02, 2025 for a period
of 10 Days on the terms and conditions as per schedule of charges enclosed.

Please note that:

The BPS reserves the right to discontinue the facilities/advance/loans/or withhold/stop any disbursement without assigning any
reasons/giving any notice, in case of non-compliance/breach/of any of the terms & conditions stipulated therein and from time
to time as also in the relevant documents or any information/ particulars furnished to us is found to be incorrect or in case any
developments or situation wherein in the opinion of the BPS its interest will be/is likely to be prejudicially affected by such
continuation or disbursement.

The BPS reserves the right to withdraw, modify or amend the terms and conditions of advance and BPS would not be bound to
disburse full amount of advance in the event of any failure on the part of the borrower in satisfying any of the terms and
conditions stipulated.

In case you commit default in repayment of the loan /credit facilities, interest, Penal charges or any other dues that may arise
out of the loan amount/financial assistance, the BPS reserves the right to disclose or publish the names of the company,
directors of the company, individuals as a defaulter, in such manner and through such media as the BPS/Reserve Bank of
India in their absolute discretion may think fit.
This sanction is valid for 3 Days from the date of sanction.

We request you to acknowledge this to be duly signed by you in token of having accepted the terms and conditions of sanction.

Regards,
Authorised Signatory

BP Securities (India) Private Limited

Detailed terms and conditions as per Annexure.

All terms and conditions accepted.

Name: Jyotiba Dnyanoba Jadhav

Address: Hanuman tekdi, Maharashtra
(Borrower)

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

 Loan Agreement – Terms & Conditions
Loan Details and Schedule of Charges

User Details and Loan Details Statement

User Photo :

Loan ID : IF000000105689

Name (Aadhaar Verified) : Jyotiba Dnyanoba Jadhav

Aaadhar Number : 223985941430

PAN Number : CKHPJ8349A

Phone Number : +91-8698699438

Beneficiary Name (PAN Verified): JYOTIBA DNYANOBA JADHAV

Bank Name : HDFC Bank Ltd

Bank A/c Number : 50100687013882

Bank IFSC : HDFC0001578

Name of Borrower : JYOTIBA DNYANOBA JADHAV

Address of Borrower : Hanuman tekdi, Maharashtra

Name of Lender : B P Securities (India) Private Limited

Address of Lender : C-2, 3rd Floor, Sector- 2, Noida, Uttar Pradesh-201301

Platform : InstantFunds

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

Type of Loan : Regular

Purpose of Loan : Personal Loan

Level : IF1

Loan Amount: 5,000

Tenure : 10 Days

Convenience Fees : 400

Processing Fees : 600

Interest : 200

GST (18%) on Fees : 180

Overdue Penalty (per day) : 150

Net Disbursed Amount : 3,620

Disbursement Transaction ID : 1048420176

Disbursement Date : May 02, 2025

Loan Repayment Date : May 11, 2025

Extension Amount:
1,630
Extension of Loan Tenure can be done after payment of Extension Amount.

Cheque Bounce / NACH / ECS Return Charges: As Applicable

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

 KEY FACTS STATEMENT

PART 1 (INTEREST RATE AND FEES/CHARGES)

1 Loan Proposal/ Account No. IF000000105689Type of Loan Personal Loan
2 Sanctioned Loan Amount (in Rupees) 5,000
Disbursal Schedule
(i) Disbursement in stage or 100%
upfront
3 100% Upfront
(ii) If it is stage wise, mention the
clause of loan agreement having
relevant details
4 Loan term (Year/Month/Days) 10 Days
5 Instalment details
Type of Instalments Number of EPIs EPI (Rs.) Commencement of repayment, post sanction
Single Repayment 1 5,000 May 11, 2025
Interest rate (%) and
6 type (fixed or floating Fixed 4%
or hybrid)
7 Additional information in case of Floating rate of Interest
Impact of change in the
Final rate Reset Periodicity reference benchmark (for 25
Reference Benchmark rate (Months)
Spread (%) (S) (%) R = bps change in 'R', change in.)
Benchmark (%) (B)
(B)+(S)
B S EPI (Rs.) No. of EPIs
NA NA NA NA NA NA NA NA
8 Fee/Charges
Payable to third party through RE
Payable to the RE (A)
(B)
Amount (in Rs.) or Amount (in Rs.) or
One-
One-time/Recurring Percentage (%) as Percentage (%) as
time/Recurring
applicable applicable
Processing Fees One-time 600 0 0
Insurance Charges 0 0 0 0
Valaution Fees 0 0 0 0
Any other
One-time 400 0 0
(Convenience Fees)
9 Annual Percentage Rate (APR) (%) 876
10Details of Contingent Charges (in Rs or %, as applicable)
Penal charges, if any, in case of delayed payment 150
Other penal charges, if any 0
Foreclosure charges, if applicable 0
Charges for switching of loans from floating to fixed rate and vice versa 0
Any other charges (Extension Amount) 1,630
Part 2 (Other qualitative information)
1 Clause of Loan Agreement relating to engagement of recovery agents No
2 Clause of Loan Agreement which details grievance redressal mechanism Refer Grievance Redressal Policy
Mr. Kaushalendra Singh-
3 Phone number and email id of the Nodal grievance redressal officer 9205053697
[email protected]
Whether the loan is, or in future maybe, subject to transfer to other REs or
4 No
Securitisation (Yes/No)
In case of lending under collaborative lending arrangements (e.g., co-lending/outsourcing), following additional details may
5
be furnished:
Name of the originating RE, along with Name of the partner RE along with its
Blended rate of Interest
its funding proportion proportion of funding
N/A N/A N/A
6 In case of digital loans, following specific disclosures may be furnished:
(i) Cooling-off/look-up period, in terms of RE's board approved policy, during which
3 Days
borrower shall not be charged any penalty on prepayment of loan
(ii) Detail of LSP acting as recovery agent and authorized to approach the borrower N/A

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

 Lender Details

Lender Name: B P Securities (India) Private Limited

Bank A/C Number : 99933333366999

Bank IFSC : HDFC0001897

Bank Name : HDFC Bank LTD.

For more information, kindly visit: www.instantfunds.in

I agree to submit the following documents for availing of Loan:

PAN Card or Form 60*

Last 3 Months Bank Statement/Income Proof
Address Proof
Any Other Document Requested by Lender

I/We further acknowledge, understand and agree that Lender has adopted risk-based pricing, which is arrived by taking into
account, broad parameters like my financial and credit profile. I arrived at understanding all the terms listed above and hereby
apply for the said Loan to Lender.

I/We accept that the acceptance of application places no obligation on the Lender to approve the Loan.

I understand the terms of the loan to be provided to me by Lender if approved as per the internal policies and law shall be as
specified above.

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

 SELF DECLARATION

I, agree to be bound by the Standard Terms (Loan Facility) and the Most Important Terms and Conditions (MITC) for the
purposes of the Loan and Facility. The Borrower(s) represent that (i) each Borrower, its directors/partners (if any) have not
been declared insolvent nor have any insolvency/ bankruptcy proceeding been initiated against them; and (ii) information
furnished in this Application is true and correct.

The Borrower(s) have no objection to Lender and/ or its group companies and/ or its agents providing me/us information on
various products, offers and services provided by Lender and/ or its group companies through any mode (including telephone
calls, SMSs/ emails, letters etc.) and authorize Lender and/ or its group companies and/ or its agents for the above purpose.

I confirm that laws in relation to the unsolicited communication referred in National Do Not Call Registry as laid down by
'TELECOM REGULATORY AUTHORITY OF INDIA' will not be applicable for such information/ communication to me.

Borrower(s) agrees and accept that Lender may in its sole discretion, by its self or through authorised persons, advocate,
agencies, bureau, etc. verify any information given, check credit references, employment details and obtain credit reports to
determine creditworthiness, as required, from time to time. Borrower(s) acknowledges the consent given by the Borrower and
such third parties (as required) to Lender to obtain Borrower's KYC and credit related information/documents from third parties
including Unique Identification Authority of India, Credit Information Bureau of India and Reserve Bank of India (RBI) and/or
any other statutory authority or official of the Government of India and also further consents that Lender may, by its self or
through authorized persons, verify any information given, check credit references, employment details and obtain KYC related
documents or credit reports to determine genuineness of the Borrower and/or creditworthiness from time to time.

The Borrower further acknowledges the consent to Unique Identification Authority of India or RBI or such any other such third
party consenting to sharing of information with respect to the Borrower with Lender. Borrower(s) have no objection to Lender or
any of its subsidiaries exchanging and sharing information with its affiliates, regulatory bodies, government and credit agencies
and other such authority as may be required.

I hereby affirm, confirm and declare that I have read out and explained in the vernacular language, with respect to the
contents/terms & conditions and nature of the application form(s), loan agreements, all other agreement(s), undertaking(s),
declaration(s), deed(s), memorandum(s) etc. (hereinafter collectively referred to as “Loan Documents” to InstantFunds.

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

 STANDARD TERMS: LOAN FACILITY

1. The Borrower may apply for a loan by submitting the duly completed Application Form(s) and Lender may agree to grant
such loan (has applied a "Loan") subject to these terms and conditions ("Standard Terms") read together with the Application
Form(s), Drawdown Request(s) and MITC as exchanged between the parties (together referred to as "Transaction
Document"). I / We accept that the acceptance of application places no obligation on the Lender to approve the Loan.

2. Definitions:

"Account" means the bank account/any other relevant account where the Loan disbursement is requested and more
specifically provided under the Application Form or Draw down Request;

"Application Form" means the loan application form submitted by the Borrower to the Lender for applying and availing of the
Facility, together with all other information, particulars, clarifications and declarations, if any, furnished by the Borrower or any
other persons from time to time in connection with the Facility;

"Availability Period" mean the period of 1(one) week from the date of sanction of the Facility (or such extended date as may be
approved by the Lender, in its sole discretion);

"Drawdown Request" means a request from the Borrower in a form and manner acceptable to the Lender for seeking
disbursement of Loan;

"Drawing Power" means the threshold limit(s) assessed by the Lender, in its sole discretion from time to time, which shall be
within the overall sanctioned limit and shall determine the amount of drawdown that can be requested by the Borrower at any
given time under the Facility;

"Due Date" means such date(s) on which any payment becomes due and payable under the terms of the Transaction
Documents (or otherwise) as specified from time to time, by the Lender;

"Increased Costs" means a reduction in the rate of return from the Loan(s) or on the Lender's overall capital (including as a
result of any reduction in the rate of return on capital brought about by more capital being required to be allocated by the
Lender); any additional or increased cost including provisioning as may be required under or as may be set out in RBI
regulations or any other such regulations from time to time; or a reduction of any amount due and payable under the
Transaction Documents;

"Loan" means each disbursement made under the Facility;

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

"Tax" means any tax, Goods and Service Tax ("GST") levy, impost, duty or other charge or withholding of a similar nature
(including any penalty or interest payable in connection with any failure to pay or any delay in paying the same);

Capitalized terms not defined herein, shall have the meaning ascribed to such terms under the Application Form or Drawdown
Request.

3. The Lender at its sole discretion may agree to grant the Facility to the Borrower on the basis of the Application Form, KYC,
Credit Reports and Transaction Documents.

4. The Lender shall not be obliged to provide any written acceptance to Drawdown Request of the Borrower and may do so
orally or by disbursement of a Loan (or a part thereof). Grant of the Facility and acceptance of the Borrower's request shall be
at the absolute discretion of the Lender and the Lender shall not be required to notify any rejection of the Application Form to
the Borrower.

5. The Borrower may request for disbursement only if (a) no Event of Default or potential event of default has occurred or is
continuing, (b) Drawdown Request during the Availability Period for an amount not exceeding the Drawing Power has been
submitted by the Borrower and (c) no material adverse event in the opinion of the Lender has occurred. The Borrower's request
for the Facility and each Drawdown Request shall be irrevocable unless rejected by the Lender. Any such disbursement made
by the Lender into the Account (whether in the name of the Borrower or any third party) shall be a Loan under this Facility.
Lender shall not be responsible for any dispute between Borrower and any such third party. In the event that the Lender
accepts the Borrower's request for the Facility and sanctions the Facility, the Lender may, subject to satisfaction of all the
conditions precedents, disburse Loan(s) into the Account and the Borrower confirms that the Loan shall be utilized only for the
Purpose and subject to the terms under the Transaction Documents. The Lender shall not be required to notify any rejection of
the Application Form to the Borrower.

6. In case of an Event of Default, Borrower will, to the extent permitted by law, be required to pay interest (before as well as
after judgment/award) on the overdue amount to the other party on demand, for the period from (and including) the original
Due Date for payment to (but excluding) the date of actual payment, at agreed Penal Charges.

7. The Borrower acknowledges and agrees that the rates of interest specified in the Transaction Documents are reasonable
and that they represent genuine pre-estimates of the loss expected to be incurred by the Lender in the event of non-payment
by the Borrower; and the rate of interest payable by the Borrower shall be subject to change prospectively based on the
monetary policies as may be changed by the Reserve Bank of India ("RBI") and other factors impacting the interest rates. The
Borrower shall bear all Taxes in connection with the Transaction Documents (as applicable). If any such cost is incurred or paid
by the Lender, Borrower shall forthwith reimburse the same. In the event of the Borrower failing to pay the monies referred to
above, the Lender shall be at liberty (but shall not be obliged) to pay the same by directly debiting the account of the Borrower
or otherwise subject to reimbursement of all costs I incurred by the Lender.

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

8. The Borrower shall make each payment as per Due Date. If the respective Due Date is not a Business Day, then the
Borrower agrees that the payment shall be made on the preceding Business Day. The Borrower shall not prepay the
outstanding principal amounts of any of the Loan(s) in full or in part, before the Due Dates, except with the prior written consent
of the Lender and subject to payment of pre-payment charges as specified in the Transaction Documents or by the Lender. All
payments shall be made in freely transferable funds without any set off, counter claim or any deduction (except to the extent
that the Borrower is required by law to make payment subject to any Tax deduction at source under the applicable law). In
case any such deductions are made the Borrower agrees to deliver to the Lender, within the statutory time frame prescribed
under the law or 20 (twenty) days of the payment being made, whichever is earlier, satisfactory evidence that the Tax has been
deducted at source and duly remitted to the appropriate authority.

9. Notwithstanding anything to the contrary, the Lender may at any time, cancel the undisbursed portion of the Facility and can
also recall any or all portion of the disbursed Loan on demand in its sole discretion, whether during an Event of Default or
otherwise. Upon such recall, the Loan and other amounts stipulated by the Lender shall be payable forth with.

10. The repayment schedule maybe in the form of amortization of Facility wherein the principal and interest are repaid over the
Tenure of the Facility by way of installments (which may or may not be equal).

11. The Borrower makes the representations and warranties hereunder to the Lender for the entire tenure of the Facility,
repeated on each day until the arrangement is active, in reliance of which the Lender may grant the Facility: (i)The Borrower
has the competence to enter into and perform under the Transaction Documents and to carry on its business and operations
as it is being or is proposed to be conducted; (ii) The Facility once granted by the Lender under Transaction Documents
constitutes legal, valid and binding obligations of the Borrower enforceable in accordance with their respective terms; (iii) The
Borrower is in compliance with all laws (including laws relating to environment, social and labour, Tax, anti-corruption and anti-
money laundering, anti-bribery) applicable to the Parties; (v) The Transaction Documents, do not and will not conflict with any
law; or (b) with any document which is binding upon the Borrower or any of its asset; (vi)The Borrower has a valid agreement
with the Portal has not blacklisted/ delisted/ suspended or otherwise terminated such arrangement; (vii) Except to the extent
disclosed to the Lender, no litigation, arbitration, administrative or other proceedings nor has the Borrower been declared to be
a willful defaulter or a non-cooperative Borrower (vii) All information communicated to or supplied by or on behalf of the
Borrower to the Lender, are true and fair and correct and complete in all respects as on the date on which it was
communicated or supplied; and (b) Nothing has occurred since the date of communication or supply of any information to the
Lender which renders such information untrue or misleading in any respect. (viii) The Borrower shall provide and complete all
payment mandates, as and when requested by the Lender, to the Lender or to the Delegate (ix) The Borrower shall not use the
fund for purchase of gold in any form or bribe any person and (x) The Borrower shall ensure that the obligations under the
Transaction Documents shall at least rank pari passu with all its unsecured and unsubordinated obligations.

12. The Lender may also delegate to such person(s) the right and authority to perform and execute all such acts, deeds,
matters and things connected herewith, or incidental thereto, as the Lender may deem fit. The Borrower recognizes, accepts
and consents to such delegation. The Borrower shall ensure that all payment mandates including, electronic clearing service
(ECS) or national automated clearing house (NACH) mandate, if any, provided to the Lender or to the Delegate, are honoured

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

at all times and such mandates are not altered or amended without prior permission of the Lender.

13. The Borrower shall, within three (3) Business Days of demand by the Lender, pay the amount of any Increased Costs
incurred by the Lender as a result of (i) the introduction of or any change in any law or regulation; (ii) compliance with any law
or regulation made before or after the date of relevant Loan or (iii) in the event of the Lender being called upon to pay any
additional amount by its lending agency in terms of their respective financing agreements) or (iv) on account of factors beyond
the control of the Lender.

14. The Borrower shall, indemnify and keep the Lender harmless against any cost, loss, damages, expenses, liability (including
without limitation, liability under Tax laws whether in form of Tax, interest, penalty or otherwise or third- party claims (including
legal fees) incurred by the Lender arising out of or in connection with the Facility and /or due to any breach under the
Transaction Documents. The Borrower shall promptly notify the Lender of any breach of any representations, warranties,
covenants, undertakings or any other terms of these Standard Terms together with the steps taken to remedy it. Upon the
breach being reported, the Lender may, without prejudice to any of its rights under law or contract, in its sole discretion
recommend implementation of corrective measures to remedy such breach in a form, manner and time as may be necessary
or desirable to the Lender.

15. Notwithstanding any of the provisions of the Indian Contract Act, 1872 or any other applicable law or anything contained in
the Transaction Documents, the amounts repaid by the Borrower shall be appropriated first towards cost, charges and
expenses and other monies; secondly towards interest on cost charges and expenses and other monies; thirdly towards
interest on the delayed payments; fourthly towards interest payable under the Transaction Documents and lastly towards
repayment of any principal amounts. The Borrower shall from time to time, if required by the Lender, provide security, in a form
and manner satisfactory to the Lender.

16. The Lender reserves the unconditional right to cancel the limits sanctioned without giving any prior notice to the Borrower.
The Parties further agree that The Lender shall have the right to disclose or publish any information regarding the Borrower or
guarantor(s) (if any) and any information and documents that they might possess from time to time to: (a) any of its branches or
with other banks, financial institutions, Credit Information Bureau of India Limited, credit reference or rating agencies/bureaus
or other individuals/entities either in response to their credit inquiries directed to the Lender or in the event of the Borrower not
complying with any terms and conditions herein or otherwise and (b) the Reserve Bank of India and/or any other statutory
authority or official of the Government of India or that of any other state.

17. Events of Default: The Borrower shall be deemed to have committed an act of default on the occurrence of inter- alia but
not limited to, any one or more of the following events (hereinafter referred to as "Event of Default"): (i) Default has occurred in
the payment of any monies in respect of the Facility on the due dates (whether at stated Due Date, by acceleration or
otherwise) under the terms of the Transaction Documents (ii) Default (other than a payment default) has occurred in the
performance of any covenant, condition, agreement or obligation on the part of the Borrower under the Transaction Documents
and such default has continued for a period of 10 (ten) days after notice in writing thereof has been given to the Borrower or as
the case may be, to such other person, by the Lender (except where the Lender is of the opinion that such default is incapable

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

of remedy, in which event, no notice shall be required). (iii) Breach of any representation, warranty, declaration or confirmation
made or deemed to be made under the Transaction Documents; (iv) Death of the Borrower or termination of the agreement
between the Borrower and the Portal or blacklisting from the Portal or the Security provided by the Borrower hereunder is
under jeopardy. (v) The Borrower has, or there is a reasonable apprehension that the Borrower would, voluntarily or
involuntarily become the subject of proceedings under insolvency law; (vi) Borrower is unable or has admitted in writing its
inability to pay any of its indebtedness as and when they mature or become due upon becoming aware of the default the steps
(vii) An event of default howsoever described occurs under any agreement or any indebtedness of the Borrower becomes, or
becomes capable at such time of being declared, due and payable under such agreements before it would otherwise have
been due and payable.

18. Upon occurrence of any Event of Default(s) the Lender shall be entitled at its absolute discretion to inter alia call upon the
Borrower to pay forthwith the outstanding balance of the Facility together with interest and all sums payable by the Borrower to
the Lender; and call upon the Borrower to pay all claims, costs, losses and expenses that may be incurred by the Lender
because of any act or default on the part of the Borrower under the Transaction Documents.

19. In the event, where the Borrower fails to provide necessary GST related details, the Lender shall consider the Borrower as
unregistered under the provisions of GST act and proceed accordingly. If there are any changes or modifications in GST
related details of the Borrower, the Borrower shall intimate to the Lender of such changes. On the date of receipt of such
request, the Lender shall give a prospective effect to such request for changes made by the Borrower. The Lender shall not be
held responsible for any non-receipt/short-receipt of GST credit if the Borrower or any person on behalf of the Borrower. In the
event the Lender issues a credit note in relation to charges levied, the Borrower shall reverse the GST input Tax credit availed,
if any, within the month in which the discrepancy is communicated. If the same is not rectified (for any reasons whatsoever),
which results in any additional liability (whether in form of Tax, interest, penalty or otherwise) for the Lender, the Borrower shall
promptly pay and/or reimburse such amount to the Lender.

20. Notice: Any notice or request to be given or made by a party to the other shall be in writing and email communication.

21. Arbitration: Any and all claims and disputes arising out of or in connection with the Transaction Documents or its
performance shall be governed as per Laws of India and settled by arbitration by a single arbitrator as per the Arbitration and
Conciliation Act, 1996 and the venue of arbitration shall be Noida.

22. The Lender may also delegate to such person(s) the right and authority to perform and execute all such acts, deeds,
matters and things connected herewith, or incidental thereto, as the Lender may deem fit. The Borrower recognizes, accepts
and consents to such delegation. The Borrower, (for its ease of operation and convenience) requests to the Lender that below
mentioned functions may be performed through the Delegate (whether through its technology solutions or otherwise), which
the Lender may in its sole discretion choose to allow: (i) transmission of the Drawdown Request from the Borrower to the
Lender (ii) collection of certain deeds, documents, instrument or information and (iii) collection towards repayments in a form
and manner agreeable by the Lender. The Parties further agree that Borrower shall promptly provide upon request of the
Lender any further document/information as may be required by the Lender, including but not limited to the end user certificate

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Timestamp : May 02, 2025 08:36:23 PM

and shall only use the Facility for the Purpose.

23. The Borrower shall not assign or transfer all or any of its rights, benefits or obligations under the Transaction Documents
provided however that the Lender may, at any time, assign or transfer all or any of its rights, benefits and obligations under the
Transaction Documents.

24. In case of default committed by the Borrower, the Lender may also disclose and publish the information about the Borrower
and its default with the Lender in the public domain including through social media or share the same with any government or
regulatory authority or the credit rating agencies within India.

25. The Borrower acknowledges that any contract or arrangement between the Lender and any third parties are independent of
these Standard Terms.

26. The Lender reserves the right to amend the terms of these Standard Terms (except amendment to Rate of Interest) by
intimating the same to the Borrower.

Name and Signature of the Borrower: Jyotiba Dnyanoba Jadhav

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

 MOST IMPORTANT TERMS AND CONDITIONS (MITC)

1. We refer to the application form dated May 02, 2025 ("Application Form") for grant of the Facility described below.

2. The Borrower acknowledges and confirms that the information mentioned in Online Drawdown Request which has been
requested by the Borrower through InstantFunds using the Borrower's account are the most important terms and conditions in
the application for the Facility.

3. The Borrower understands that the Lender has adopted risk-based pricing, which is arrived by taking into account, broad
parameters like the customers financial and credit profile. Applicable interest rates are arrived at taking into account the
prevailing market rates at the time of sanctioning. The Borrower acknowledges and confirms having received a copy of each
Transaction Document and agrees that this letter is a Transaction Document

To,
B P SECURITIES (INDIA) PRIVATE LIMITED
Sub: Drawdown Request
Ref: IF000000105689

4. I hereby request a Loan of 5,000 and this Drawdown Request is irrevocable. I shall not refuse to accept disbursement of the
Loan.

5. I hereby confirm that I authorize B P SECURITIES (INDIA) PRIVATE LIMITED (Platform: InstantFunds) to deduct
fees/charges as mentioned in Loan Agreement.

6. In case of default or delay in repayment of the loan or if the borrower becomes untraceable or does not respond to the
collection request of lender, the lender shall make an attempt to contact borrower through borrower's references voluntarily
provided by borrower at the time of application of the loan.

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

 DEMAND PROMISSORY NOTE

Date: May 02, 2025

I, Jyotiba Dnyanoba Jadhav hereby promise and undertake to pay the Lender or its order, unconditionally and on demand,
the principal amount of 5,000 for value received.

Provided however, the Lender or its order shall be entitled to: (a) give notice of its intention to demand and charge interest,
penalties, charges and other levies as it may specify and notify from time to time, and/or (b) reduce the principal amount
repayable under this promissory note by me.

ESCALATION MATRIX

Level 1: InstantFunds Customer Care Number: +91-9818063925

InstantFunds Email ID: [email protected]

Level 2: Grievance Redressal Officer:

Name: Mr. Kaushalendra Singh

Contact No.: +91-9205053697

E-Mail ID: [email protected]

Level 3: Reserve Bank of India, Delhi

Address: 6, Sansad Marg, New Delhi – 110001

Contact No.: +91-8691960000

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM

 IDENTITY DOCUMENTS

Aadhaar Number : 223985941430

PAN Number : CKHPJ8349A

Full Name : Jyotiba Dnyanoba Jadhav

Date of Birth: 13-03-2003

Gender : M

Address :

House:
Street:
Location: Hanuman tekdi
City: Hanuman tekdi
State: Maharashtra
Pincode:

DECLARATION FOR SIGNING IN VERNACULAR LANGUAGE

I Jyotiba Dnyanoba Jadhav do hereby state and declare as solemn affirmation as under:

I have been read out and explained in the language known to me, the contents of the loan documents and all other documents
incidental to availing the loan from B P Securities India Private Limited by me and I have signed the said documents after
having understood them and by signing the same I do hereby agree to abide by all the terms and conditions of the loan and the
clauses of the same.

I declare that whatever I have stated herein above is true and correct to the best of my knowledge and belief.

Name and Signature of the Borrower: Jyotiba Dnyanoba Jadhav

Verified By : Jyotiba Dnyanoba Jadhav (+91-8698699438)

Timestamp : May 02, 2025 08:36:23 PM