Agreement for Personal Loan

This agreement for personal loan is made on the date 14th August 2024 and at the place as stated in the Schedule 1 hereto Between The Borrower(s)
whose name is Mr. RANJAN KUMAR Resident at S/O Shri RAVINDRA VISHWAKARMA, Azad Nagar Faldu, Dohara, Nawada, Bihar-805109
I n d i a , hereto, hereinafter called the ’Borrower(s) which expression shall unless the context otherwise requires, include his/her heirs, executors,
administrators and permitted assigns.

And

The Vidcom Corporation Limited, a Investors Company incorporated under the Companies Ordinance of the Hongkong Special Administrative
Region (HKSAR), having its registered office at 1, Queen’s Road Central, Hongkong and having its India Corporate Office at 52/60, Mahatma Gandhi
Road, Fort, Mumbai - 400 001 (hereinafter referred to as ‘the Lender’, which expression shall unless repugnant to the context ormeaning thereof be
deemed to include a reference to its successors and assigns).

WHEREA1

The undersigned Borrower(s) has/have requested for a Personal Loan of an amount not exceeding more than 15 Lacs
Rupees Two Lac Sixty Thousand Only (hereinafter referred as “Loan or Loan Facility”)and the Lender has agreed to accede to the said request,
subject to the Borrower(s) tendering requisite documents, executing present agreement and such documents as may be required by the
Lender from time to time.

The Borrower(s) understands that pursuant to Loan application the Lender shall have the absolute right to grant/reject/change the loan amount/tenure/EMI/rate
of interest as per its internal credit policy and the Lender’s decision in this regard shall be final and binding.

NOW THIS AGREEMENT WITNESSETH AND IT IS HEREBY MUTUALLY AGREED, DECLARED, CONFIRMED AND RECORDED BY AND
BETWEEN THE PARTIES HERETO AS FOLLOWS:

1) Interest, Fees, Charges, Cost and Payment: The parties agree that interest, fees, charges and payment (pre-payment and partial payment)
would be as per terms stated vide Schedule 1 of this Agreement. The Borrower further agrees that:
a) Borrower(s) shall pay stamp duty as applicable to this agreement and undertakes to pay or reimburse to the Lender, all statutory charges/ stamp
duties as may be payable/applicable in future, due to adjudication by tax authorities or enhancement/amendment to the loan facility.
b) Borrower(s) shall pay any charge, sum levied on the account due to dishonour of any repayment instructions.
c) Borrower(s) shall pay any charge, sum, cost, which the Lender would reasonably incur pursuant to enforcing to demand of dues, enforcement
onbreach of contract or on initiation of any recovery proceedings.
d) Borrower(s) shall pay a one-time upfront fee specified in the schedule 1 hereto, which fee shall be deducted by the Lender at the time of
disbursal the Loan. The Borrower(s) agrees that the said fee may also be utilised to partially defray expenses that may be incurred by the Lender
towards documentation and other incidental expenses incurred in origination of the Loan.

2) Repayment of Loan through Equated Monthly Instalments (EMI): The Borrower(s) shall repay the loan, and the interest payable thereon, in
monthly instalments as per repayment Schedule specified in the Schedule I. The Borrower agrees that:
a) Borrower(s) shall pay regular EMI, irrespective of any dispute on the Loan Facility, including but not limited to that relating to the interest
computation.
b) Lender shall be entitled to vary/modify the EMIs in the event of changes to the interest rate on the Loan including on account of changes
in interest rates made by the Reserve Lender of India from time to time.
c) Borrower(s) shall repay the monies in respect of the Loan through any modes updated to the Lender, like The Electronic Clearing System
(Debit Clearing)/ Standing Instruction for direct debit from the Borrower(s) Lender account held with VIDCOM (‘Direct Debit method’ or ‘SI’).
d) Borrower(s) agrees that the due date for the repayment of EMIs shall be the 5th or 15th day of every month following the month of
disbursement in respect of the Loan. Any delay in the payment of an EMI shall entail an additional interest of 2% p.a., above the agreed rate as
per Schedule I upon the outstanding balance of the Loan.
e) Borrower(s) can only prepay the entire outstanding balance of the Loan after the expiry of the lock-in period as specified in Schedule I of the
Loan Agreement. In such event, the Lender shall be entitled to charge prepayment charges/fee (as specified in Schedule I), on the amount
so prepaid. Prepayment charges/fees as levied will be applied to the EMIs in inverse order of maturity.

3) Borrower(s) undertaking, representations and duties:

a) Borrower(s) shall promptly notify the Lender of any circumstances and conditions which have/may have a material adverse effect (the effect or
consequence of any event or circumstance which is or is likely to be adverse to the ability of the Borrower(s) to repay the Loan dues or perform/
comply with any of the respective obligations agreed under this Loan agreement). This may include but not be restricted to br each of terms
agreed vide this agreement, updation to the Lender about death of an applicant, commencement of Insolvency/ Lenderruptcy/ Criminal/
Recovery proceedings.
b) Borrower(s) not use the Loan for an antisocial, illegal, unlawful, speculative activities or contrary to the purpose as specified in the Loan
application form.
c) Borrower(s) shall solely be responsible for fulfilling, any tax related obligation arising from availing this Loan.
d) The amortization schedule as shared by the Lender while processing of Loan, gives indicative repayment schedule and is subject to change
based on the repayment track, change in interest rate.
e) The records maintained by the Lender shall be conclusive proof of the amounts outstanding and due from the Borrower(s).
f) Borrower(s) agrees to indemnify and agree to keep indemnified the Lender from time to time and at all times thereafter against all claims, costs,
losses, damages, charges, expenses and liability of any kind or nature whatsoever and expenses that may be incurred by the Lender by reason
of any act or default on the part of the Borrower(s) in respect of the Loan and/or for the recovery of the outstanding dues on account of failure
of the Borrower(s) of any of the terms and conditions herein.
g) Borrower(s) liability for repayment of the dues shall, in cases where more than one Borrower(s) have jointly applied for the Loan, be joint and
several.
h) Borrower(s) undertakes to keep the Lender informed of any change in his/her e-mail ID, telephone number, mobile number, address and
employement details. The Borrower authorises the Lender to update the contact information change that the Lender may be informed of
and hereby authorises the Lender to contact the Borrower at the updated contact details, by post, telephone, e-mail, SMS/text messaging.
 i) The Borrower(s) would commit an event of default (i) if there is a failure to pay the agreed dues or any fee, charges or costs or an EMI for more
than 15 days, from the date when it became due (ii) if there is breach of terms and conditions agreed herein or a misrepresentation of facts
made while availing the Loan Facility (iii) if the Borrower is declared insolvent (iv) if there is initiation of criminal or a judicial proceeding, which
the Lender thinks impacts it’s interest (v) there exists any other circumstance, which, in the sole opinion of the Lender, impacts the Lender’s
interest. If the Borrower(s) commits an event of default then the Lender shall be entitled to (i) call upon the Borrower to pay forthwith the total
outstanding balance of the Loan account together with interest (ii) exercise the Lender's right of lien and set-off all monies and accounts
standing in the Borrower's name in the Lender (iii) exercise any other right as deemed appropriate in the interest of the Lender.
j) Borrower(s) agrees that the disbursements under the Loan shall be deemed to be made on the date the cheque(s)/pay order(s)/authorisation(s)/
demand draft(s) are issued/made by the Lender and not on the date of their actual receipt, and if by credit, when credit is made by the Lender.
k) Borrower(s) agrees that pursuant to Lenders obligation to ensure adherence to financial crime compliance, the Lender may, take appropriate
actions in form of using, screening, intercepting, combining borrower(s) information with other related information in the possession of the
Lender and/or making further enquiries in this regard, and the borrower(s) would assist the Lender, with furnishing of information, and not
raiseobjection to same.
l) Borrower(s) agrees that the Lender reserves a right to allow/restrict operations in a newly opened/existing .accounts maintained with the
Lender, if the customer is not able to satisfy the due diligence requirements in line with the Lender’s policy. Further he Lender reserves a right
to block
transactions/allow operations in a newly opened/existing accounts maintained with the Lender, if the Lender is unable to contact the
accountholder at the address/contact number provided by them at the time of account opening/updated in Lender records.

4) Disclosure of Information:
a) The Borrower(s) accepts, confirms and consents for the disclosure and sharing by the Lender of all or any information and data relating to the
Borrower(s), the Loan Facility, any other transactions that the Borrower(s) has with the Lender, the Borrower(s) account, and the agreements
and documents related to the Loan Facility and transactions, including but not limited to information relating to default, if any, committed by
the Borrower(s), in the discharge of the Borrower(s) obligations in relation to the Loan Facility or other transactions, as the Lender may deem
appropriate and necessary to disclose and furnish, to the Reserve Lender of India (RBI) and/or to the Credit Information Companies (CICs)
and/ or to any other agency or body as authorised in this behalf by RBI, to other Lenders and lenders including assignees and potential
assignees, to
its professional advisers and consultants and to its service providers instructed by it in relation to the Loan Facility, and/or as required under law
or any applicable regulation, at the order of a court of law, or at the request or order of any statutory, regulatory or supervisory authority with
whom it customarily complies.
b) Borrower(s) agrees that the Lender may collect, store, use, transfer or disclose any information provided by the Borrower, including sensitive
personal data, for purposes, including but not limited to data processing, statistical or risk analysis, conducting credit or anti-money laundering
checks, designing financial services or related products, marketing financial services or related products, customer recognit ion on Lender's
website, offering relevant product and service offers to customers, etc. Lender may share your information with all its group
companies/entities/ subsidiaries/affiliates and/or any other Lender/financial institution/society, etc. as necessary, for the aforementioned purposes.

5) Miscellaneous:
a) Any dispute arising from this agreement would be exclusively adjudicated by courts situated at the city where the Loan Facility account is
opened.
b) The parties agree that they can amend or supplement this agreement by executing an amendment agreement in writing.
c) The Borrower(s) agree that he/she shall not assign or transfer all or any of its rights, benefits or obligations under the Loan terms without the
approval of the Lender. However, the Lender may, at any time, assign or transfer to any third party, all or any of its rights, benefits and
obligations under the Loan terms and the other transaction documents. Notwithstanding any such assignment or transfer, the Borrower(s) shall,
unless otherwise notified by the Lender, continue to make all payments under the Loan terms to the Lender and all such payments when
made to the Lender shall constitute a full discharge to the Borrower(s) from all its liabilities in respect of such payments.
d) The borrower(s) agrees that on occurrence of default, not only under this Loan Facility but also default in payment of dues in any other existing
credit facility held with the Lender/or any other entity of its group company, the Lender shall have the right to recover complete dues, by
exercising the right of lien and set-off (retaining/continue to hold and/or sell any assets/security/monies, lying in any account(s) standing in the
borrower(s) name maintained with the Lender). This right of Lender shall be paramount, irrespective of any other lien or charge, present as well
as future, on the deposits of any kind and nature (including fixed deposits) held/balances lying in any accounts of the borrower(s), whether in
single name or joint name(s) of the borrower(s) and on any monies, securities, bonds and all other assets, documents and properties held
by/under the control of the Lender.
e) The rights, powers and remedies available to the Lender under Law and under these present, shall be exercised by the Lender through any
of itsemployees or agent and the Lender may delegate any or all of the said powers and authorities to such employee or agent.
f) The Borrower(s) agrees that he/she has fully read the terms and conditions and has tendered true and correct details for availing this credit
Loan Facility.
g) The Loan amount should be disbursed within 30 days from the date of sanction and may be kept open at the sole discretion of the Lender.
Based on internal credit policy, the Lender may at its sole discretion cancel the drawdown of the Loan.
h) In the event that the Borrower(s) applies for a new top-up Loan and the same is sanctioned by the Lender, the disbursed amount of the
new Loan, will be first utilised to close the existing Loan and the balance amount will then be disbursed to the applicant.
i) The Lender shall have the right to recall the Loan at any time at its discretion by serving an advance notice, and upon such recall, the Loan and
all other amounts stipulated by the Lender shall be payable forthwith. The Borrower(s) agrees to be liable for all amounts due and all costs,
charges, penalties, expenses etc., incurred for any recovery and realization proceedings in respect of the Loan, including those by third party
agents appointed by the Lender.

IN WITNESS WHEREOF THE BORROWER(S) HAS/HAVE EXECUTED THESE PRESENTS ON THE DAY

OF AT

Signed and delivered by the Signed and delivered

Within named Borrower(s) By

Signature: (Borrower(s)) (Authorised signatory)

 Schedule I

1. The name(s) of the Borrower(s): Mr. RANJAN KUMAR

2. Address of the Borrower(s): S/O RAVINDRA VISHWAKARMA, Azad Nagar Faldu, Dohara, Nawada, Bihar-805109 India

3. The amount of Loan (Rupees): Two Lac Sixty Thousand Only

4. Purpose of Loan: Working Capital and Credit Utility
5. Interest rate type: Fixed on Yearly reducing basis with monthly rest,

APR Reducing rate of interest: 17%

6. Processing fees: ` Rs. 2,750/-

(The fees/charges specified are non-refundable and the rates of the same shall be changeable at the sole discretion of the Lender.)

7. Applicable tenure for fixed rate: 36 months

8. Equated Monthly Instalment : `Rs.9,270/-

9. Date of first instalment: APPLICABLE AFTER DISBURSE Date of last instalment:

10. Insurance Charges: Rs. 1,420/- Lock in Period:

Note: Borrower(s) can partially prepay up to a maximum of 20% of the original disbursed Loan amount, across 2 transactions in a year. Please note
that the year in such case will mean and include a period of 12 months from the Loan disbursal date. Full or partial prepayment of Loan can only be
done as per terms of Schedule I of the Agreement.

11. Penal Interest @ 2% over and above the applicable rate of interest on the delayed instalments.

12. The Borrower(s) understands that the above mentioned loan amount/tenure/EMI/rate of interest may change as per the Lender’s internal credit
policy,and in such circumstances Borrower will be required to sign an Amendment Agreement as prescribed by the Lender, prior to disbursal of the
loan.

Borrower(s) Signature:
 Mandatory Details in case of BT
I/We hereby authorise VIDCOM to take over the below listed Personal Loan(s), details of which are mentioned below. I confirm that these loans are
currently eligible for a takeover.

Details Loan 1 Loan 2 Loan 3

Name of The Lender/Financial Institution

Type of Loan

Original Loan Amount

Current Outstanding

Loan Start Date (mm//yyyy)

EMI

I/We also hereby declare that any amount over and above the outstanding amount, as mentioned in foreclosure/full prepayment/outstanding letters or
disbursal advice for ` of my existing loan account numbers
from Lender(s) at the time of taking over would be borne by me/us.

Customer Signature:

National Electronic Fund Transfer Form

Please credit proceeds of the Personal Loan applied by me/us, via National Electronic Funds Transfer (NEFT) facility of Reserve Lender of India (RBI)
to my/our Lender account, details of which are provided below:

1. Name: (As appearing on the Lender account)

2. Particulars of the Lender account you wish to credit:

a) Lender Name:

b) Branch Name and Address:

c) Indian Financial System Code (IFSC): d) Account Type (Savings/Current):

e) Ledger Number/Ledger Folio Number: f) Account Number:

(if applicable) (As appearing on the cheque book)

3. Loan amount to be credited:

I/We hereby declare that the particulars given on this form are correct and complete.

I/We understand and agree that transfer of the loan amount to the above aforesaid account shall be construed as valid disbursal of the loan facility
and that VIDCOM shall not have any liability in this regard. If the transaction is delayed or is not effected at all for reasons of incomplete or incorrect
information, I will not hold the The Vidcom Corporation Limited responsible. I agree to discharge the responsibility expected of meas a participant
under this scheme.

Customer(s) Signature:

Letter Of Authority
Authority to debit A/C No:

Please debit my/our above mentioned Account number with ` being the Processing fees for Personal Installment Loan
sanctioned to me.

I/We further authorize you to debit the above account with ` for months from to being the equated monthly
installment for the above loan.

Customer Signature:
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 Lender use section
Does the customer have or are they applying for one lower risk product? (excluding credit cards)  Yes  No
Is the customer applying for or already has a Credit Card only product  Yes  No
Is the customer applying for or already have Minimum Risk Insurance products only?  Yes  No
State the number of VIDCOM credit cards held by the customer :
Note: If customer has 5 or more cards, complete full CDD.

Walk-in/Face to face sourcing:  Yes  No

Channel Type –  Branch  MSF  MSF -TPSA  Contact Center  Postal  Digital
Does the Jurisdiction of Tax Residency appear inconsistent with the Customers residential address(es), correspondence address(es) and nationality/Citizenship or TIN
provided?  Yes  No

Has the Customer’s Identity been verified in line with the required standards and have true copies of the original documents been obtained?  Yes  No
Is the customer able to provide required ID?  Yes  No
Specify category of special circumstances
 Benefit or Social Welfare claimants  Individual who lack the capacity to manage their own affairs
 Individual in care homes / sheltered accomodations/ refuge  Economic Migrants
 Individuals on probation  Refugees
 Prisoners  Asylum seekers
 Students  Other
 Minors
Is a CDD Risk Acceptance request required to be submitted to Business and FCC  Yes  No
Was the CDD Risk Acceptance request approved by Business Risk/FCC?  Yes  No

Will the Customer be premier Top Tier (to identify HNWI)?  Yes  No
Is a manual EDD trigger required for the customer?  Yes  No

What are the categories of Products the customer is opening?

 ATM or Debit Card  Credit Cards  Current A/c  Savings A/c  Fixed Term Loan-Unsecured
Confirm the purpose of opening the account(s) is consistent with the expected account activity and the Customer’s profile, including their Source of Funds and Source
of Wealth (where applicable)?  Yes  No
Provide the rationale for the upwards revision of the risk rating and any other relevant information that you wish to note in relation to the Customer that may affect their
application?

Why is the Customer applying for an account in a country/territory which is not their country of residence?

KYC completed and Account record checked by (To be checked by the account opening staff)

Employee name Employee Designation

CEP code/category (A/B/C) Employee Signature

Date of submission of all documents    Staff number 


Your branch Your cluster

Name of VIDCOM Relationship Manager VIDCOM Secondary Relationship Manager code

For MSF/Branch Channels - KYC completed and account opening authorised by (Branch Manager/Regional Head/Designated AOA details)
AAA aligned to customer profile  Yes  No

I have verified the name of the customer on AOF with the KYC documents provided and confirm that it meets the standards of CDD.

I also hereby confirm that customer’s photo on PI and PA (if photo ID) matches with the photo on AOF  Yes  No
Branch Manager/Regional Head name Branch Manager/Regional Head staff number 


Branch Manager’s/Regional Head’s signature

Lender Copy Customer Copy

Acknowledgement Acknowledgement
Personal Loan Application Received on (DD/MM/YYYY) Personal Loan Application Received on (DD/MM/YYYY)

Complete document set* received on (DD/MM/YYYY) Complete document set* received on (DD/MM/YYYY)

File Reference No File Reference No

Sales Representative Signature Applicant Signature Sales Representative Signature

*Please note that documents and the application form submitted will be treated as a *Please note that documents and the application form submitted will be treated as a
property of the Lender and will not be returned to the applicant. property of the Lender and will not be returned to the applicant.

Issued by The The Vidcom Corporation Limited , India. Incorporated in Hong Kong SAR with limited liability.
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Issued by The The Vidcom Corporation Limited , India. Incorporated in Hong Kong SAR with limited liability.