Terms & Conditions

"Zip EMI by MobiKwik” is a credit line product for Shopping via Mobikwik Wallet
Please read, review, and understand the terms hereunder for using or availing of the Zip EMI Services.The terms
contained hereunder shall be binding on the user while availing Zip EMI by MobiKwik Services in any manner
whatsoever, and subsequent to such user's use of the Zip EMI by MobiKwik Services. MobiKwik has the right to modify,
suspend or freeze this facility any time at its discretion. You agree and acknowledge that you have read and understood
the terms and conditions set forth below.

Penal Charges distribution:

Late Payment Fee - Upto 3% + all applicable taxes of overdue EMI (recurring for pending months tenure)
Bounce Charge - Upto INR 1000 + all applicable taxes (once per EMI)
Foreclosure Charge - 3% + all applicable taxes on Principal Outstanding
Settlement Charge - 3% + all applicable taxes on Principal Outstanding
Cancellation Charge - 3% + all applicable taxes on utilised amount + Processing Fee on utilised amount
Terms of Usage
1. Zip EMI is a premium product, which is only available to a limited set of users. Its approval or rejection is based on the
data shared by the applicant/user. Further to this, the approved credit limit is specific to every individual user.

2. Zip EMI can be used within the MobiKwik App for limited services & on limited merchants, or via aPrepaid Card if
eligible.

3. Processing fee to be levied at the time of disbursal.

4. EMI will be due on the 5th of every month.

5. Late Payment fees, Bounce Charges, and Interest Penalty will be applicable in case of nonpayment of EMI.

6. MobiKwik retains the right to change the penalty matrix and the same shall be updated on the MobiKwik application,
without any prior intimation to the users.

7. Zip EMI credit line is provided as a credit line via one of MobiKwik's lending partners. You consent to MobiKwik sharing
your necessary information with its lending partners who reserve the right to use such information without notice or
without any consent, to approach, make enquiries, obtain in formation, from any person including other banks/finance
entities/credit bureaus, to assess your track record, credit risk, or for establishing contact with the borrower.

8. In case a user delays the repayment, it will be reported to the bureaus as non-payment. This will adversely impact the
user's credit score, thus reducing the user's chances of credit and loan approvals in the future.

9. Limit of this facility will be frozen if the customer fails to make payment by the due date and no further transaction will
be allowed using this facility.

10. MobiKwik has the right to settle off/deduct the dues of the user against the MobiKwik wallet balance or charge/debit
any other payment instrument (debit card etc.)

11. MobiKwik has the right to nullify the entire SuperCash balance from the user if the customer fails to make payment by
the due date.

12. MobiKwik and/or its loan partner will share the repayment schedule of the line with the User and the User agrees to
abide by it.

13. Charges and fees like late payment fee, bounce fee, interest penalty will continue to be the same as covered above
and subject to change that would be communicated from time to time

14. Any Processing fees, if applicable, will be communicated to the User at the time of sanctioning of credit line .

15. User to pay all dues for outstanding principal only via MobiKwik App or any authorized payment modes shared by
MobiKwik
16.(i) You confirm that you are eligible under Applicable Law to avail the Facility, (ii) You consent to avail and use the
Facility as per the terms and conditions of these Facility Terms; and (iii) You consent to receive communications, notices
and information from MobiKwik and our business partners, service providers, authorized third parties etc. (whether
through SMS, emails, phone calls, automated phone calls or by any other means). Electronic communications shall be
deemed to have been received by User when MobiKwik sends the electronic communication to the email address /
mobile number / details provided by User or any other third party. User Agree that User will not hold MobiKwik orits
business partners/ service providers/ authorized thirdparties responsible for any such communications received from Us/
our business partners/service providers/ authorized third parties, nor will any such communication amount to spam,
unsolicited communication or a violation of user registration on the national do not call registry.

17. You acknowledge and agree that MobiKwik would have the sole discretion to decide the Products in relation to which
the Facility would be provided to Users On the MobiKwik Platform, and such decision by the MobiKwik would be final.
User further acknowledges and agrees that merely by accessing the MobiKwik Platform or applying for the Facility, User
would not be entitled to avail the Facility. MobiKwik would determine User eligibility to avail the Facility, and in this regard,
User to provide certain information and documents as may be required by MobiKwik

18. For the purposes of ascertaining User Eligibility to avail the Facility, MobiKwik shall have the right to, evaluate and
examine: (i) the information and documents provided by User at the time of availing the Facility; and (ii) the information
and documents available with the MobiKwik prior toUser application for availing the Facility; (collectively, "User
Information”),. User acknowledge and agree that the User Information may be transferred to and used by MobiKwik and
/or MobiKwik's affiliates, agents and third party service providers that are engaged by MobiKwik for the purposes of the
extension of the Facility, including for the purposes of determining User eligibility to availthe Facility, determining the
quantum of the Facility that may be availed by User and therepayment schedule ("Repayment Schedule”) that may be
offered to User. While undertakingsuch evaluation, MobiKwik, shall have the right to evaluate such other information and
documentsconcerning User that is available with it, as it deems appropriate. At all times, your information willbe treated
by MobiKwik in accordance with Applicable Law, these Facility Terms and its privacypolicy

19. MobiKwik shall maintain necessary records in respect of the Facility entered into by User and amounts due in respect
of the Facility. User agree that such records as maintained by MobiKwik shall be sufficient proof of the transactions
entered into between Use rand MobiKwik and the amounts due thereto, which User shall not dispute

20. User acknowledges and agrees that we may stop (permanently or temporarily) accepting theFacility as payment for
the Products, at its sole discretion, without prior notice to User. User may stop using the Facility for payment, unless any
amounts are due from the User under theseFacility Terms.

21. User acknowledges and agrees that Mobiwkik may cancel/ suspend/ terminate the Facility (whole or part) at any time,
with or without prior notice to User. Any outstanding amounts to be paid to MobiKwik by User, under the Facility, shall
continue to be governed by these Facility Terms.

22. User warrant that all the User Information provided by User for availing the Facility, shared byUser with Mobiwkik, is
accurate and up to date. Mobiwkik can verify the User Information shared by User and choose to refuse extension of the
Facility.

23. User agrees to use the Facility only for purposes that are permitted by these Facility Terms and any Applicable Law
as amended from time to time.

24. User acknowledges and agrees that MobiKwik shall have the right to collect the payments due under the Facility,
either directly or through agents or third party service providers, and in this regard. User would have the option to make
payments due as per the invoice only through payment methods specified on the website, mobile application, online or on
the mobile application, website or any other online platform owned and/or operated by MobiKwik ("MobiKwik Platform")
which may include the option to pay by debit card, net banking and/or wallet issued by regulated entities in India and any
other mode as may be available on the MobiKwik Platform. MobiKwik shall have the right to alter the payment methods
available for User to make repayments under the Facility. For avoidance of doubt, it is clarified that any payments made
through payment methods other than those specified on the MobiKwik Platform, would not be considered as valid
repayment of the Facility.

25. User acknowledge and agree that MobiKwik may charge certain interest or other charges including but not limited to
platform charges to the User, for the provision of the Facility to User.The same, if applicable, shall be communicated to
User as part of the Repayment Schedule, from time to time.

26. User acknowledge and agree that in the event User fails to make payments as per the invoice,we shall have the right
to levy certain late payment fees, which shall be communicated to User from time to time.
27. Without prejudice to MobiKwik rights under Applicable Law, in the event of User inability to repay the Facility amount
due and payable, or any other breach of these Facility Terms, MobiKwik would be entitled to seek recovery of the
amounts due in respect of the Facility in any manner as MobiKwik deem fit, and take or request any third party to take
such other measures in this regard,including but not limited to limiting/ terminating access to MobiKwik Platform.

28.User acknowledge and agree that after opting for the Facility, MobiKwik would send statement (or statements in
respect of such other periodicity as is determined by MobiKwik) of the Facility availed and outstanding, to User's email
address and/or phone number registered with MobiKwik,its service provider and/or authorized third parties. In addition,
MobiKwik either directly, would also have the right to send User alerts, reminders, or other communications regarding
instalments/payments due and payable as per the invoice. For the said purposes, the mode of communication may be
determined by MobiKwik and such mode of communication may include phone calls,SMS, in-app messages and push
notifications, in-app chat, and/or through the customer service call line, as the case may be, or any other mode of
communication as may be decided by Us.

29. FORCE MAJEURE MobiKwik shall not be held liable for any delay of or failure to comply with any of the terms of this
Facility Terms, nor shall any such delay or failure be deemed a default when such delay or failure has been caused
primarily by any circumstances beyond the reasonable control and without the fault of MobiKwik affected, including but
not limited to fire, war,insurrection, government restrictions, act of terrorism, computer system failure or act of God or
such other event which is beyond the control of MobiKwik ("Force Majeure Event"), provided that such affected Party
uses due diligence to mitigate the effects of the Force Majeure Event on the performance of its obligations under this
Facility Terms.
30. Indemnification

MobiKwik shall not be responsible or liable for any loss or damage, howsoever caused or suffered by User arising out
of the use of the Facility offered by MobiKwik or due to MobiKwik's failure to provide the Facility to USER for any
reason whatsoever including but not limited to User's non-compliance with the Facility Terms, User lack of eligibility
under these Facility Terms, partial or total failure of any network terminal, data processing system, computer telecom
transmission or telecommunications system or other circumstances whether beyond MobiKwik's control or the control
of any person or any organization involved in the above-mentioned systems.
MobiKwik will not be liable for damages of any kind arising from the use of the Facility offered including, but not limited
to direct, indirect, incidental, punitive, and consequential damages.
MobiKwik shall not be liable for any content on the MobiKwik Platform that User may find indecent, offensive or
objectionable. User shall use the Facility at Your own risk.
User agree to indemnify and keep MobiKwik, its affiliates and licensors against all costs,expenses, damages, losses
and liabilities incurred or suffered by MobiKwik or its affiliated companies and licensors related to any content posted or
transmitted by User during the use of the Facility or the MobiKwik Platform.
31. Conflict In the event of any contradiction or inconsistency between these Facility Terms and any other terms of use
or privacy policy of MobiKwik, these Facility Terms shall prevail unless the exception has been expressly agreed to in
writing.

32.DisclaimerMobiKwik and its representatives, officers, employees, agents and contractors shall not be liable for any
loss, damage, claim, expense, cost (including legal costs) or liability arising directly or indirectly from Your use or non-use
of the Facility and the Products, or Your reliance upon theFacility or the information contained on the MobiKwik Platform
(whether arising from MobiKwik or-any other person's negligence or otherwise).

33. Governing law and dispute resolution (a)These Facility Terms shall be governed by, and construed in accordance
with, the laws of India, without reference to principles of conflicts of law. The Courts of Gurgaon shall have exclusive
jurisdiction over any dispute arising from or relating to these Facility Terms and/or in relation to the Facility.(b) You
expressly consent to the jurisdiction of said Courts and waive any objection to such personal jurisdiction based on forum
inconvenience or any other basis.

34. SETTLEMENT OF DISPUTES AND GOVERNING LAW Any differences or disputes arising out of or touching the
Standard Terms shall be settled amicably in the first instance. Unresolved disputes or differences shall be referred to a
soleArbitrator, who shall be appointed by MobiKwik only and User shall have no objection to the same. The Arbitration
shall be governed by the Arbitration and Conciliation Act 1996 or any statutory modification or re-enactment thereof and
the Rules made there under and for the time being in force. The award of the Arbitrator shall be final, conclusive and
binding on the parties.The venue of such arbitration proceedings shall be Gurgaon and shall be conducted in theEnglish
language only. Laws of India shall govern this Standard Terms, the documentationpursuant hereto and Courts in the City
of Gurgaon having exclusive jurisdiction over all aspects governing the interpretation and enforcement of this Standard
Terms and other documentation pursuant hereto.

35. Bureau Partner Terms of use: In connection with submission of the application for my credit information ("Consumer
Credit Information”) offered by CRIF High Mark ("CIC”) through One MobiKwik Systems Limited (referred to as the
"Company”) and delivery of the Consumer CreditInformation to the Company, I hereby acknowledge and agree to the
following:

The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without
limitation, to receive the Consumer Credit Information from CIC on my behalf on a monthly frequency for a period of 12
months and use it in the manner consistent with the Agreement entered into between the Company and CIC, and the
Company has granted its consent for being appointed for the aforesaid purpose.
I grant my unconditional consent to the Company to receive the Consumer CreditInformation from CIC on my behalf
and use it in the manner consistent with the consistent with the Agreement entered into between the Company and
CIC, as the case may be,and the Company has granted its consent for being appointed for the aforesaid purpose. I
hereby represent and acknowledge that the Terms of Understanding in relation to the useof the Consumer Credit
Information has been agreed between me and the Company
I grant my unconditional consent to the Company to receive the Consumer CreditInformation from CIC on my behalf
and use it in the manner consistent with the consistent with the Agreement entered into between the Company and
CIC, as the case may be,and the Company has granted its consent for being appointed for the aforesaid purpose. I
hereby represent and acknowledge that the Terms of Understanding in relation to the useof the Consumer Credit
Information has been agreed between me and the Company.
I hereby expressly grant unconditional consent to, and direct, CIC to deliver and / or transfer my Consumer Credit
Information to the Company on my behalf
I shall not hold CIC responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out
of, or in any way related to: (a) delivery of my ConsumerCredit Information to the Company; (b) any use, modification
or disclosure by theCompany of the contents, in whole or in part, of my Consumer Credit Information,whether
authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information
to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the
Company andCIC
I acknowledge and accept that: (a) CIC has not made any promises or representations tome in order to induce me to
provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the
implementation of the Agreement between CIC and the Company is solely the responsibility of the Company.
I agree that I may be required to record my consent / provide instructions electronically and in all such cases I
understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Company authorizing
Company to obtain my ConsumerCredit Information from my personal credit profile from CRIF High Mark. I further
authorize Company to obtain such information solely to confirm my identity and display my Consumer Credit
Information to me. Further in all such cases by checking this box and clicking on the Authorize button, I agree to the
terms and conditions, acknowledge receipt of CIC privacy policy and agree to its terms, and confirm my authorization
forCompany to obtain my Consumer Credit Information.
I understand that in order to deliver the product to me, I hereby authorize Company, to obtain my Consumer Credit
Information from CIC.
I understand that I am providing express written instructions for Company to request and receive information about me
from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting
agencies, at any time for so long as I have an active Company account. I further authorize Company to retain a copy of
my information for use in accordance with Company's Terms of Use and PrivacyPolicy.
 I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN "AS-IS”, "AS AVAILABLE”BASIS AND CIC
EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS
FOR A PARTICULAR PURPOSE,AND NON-INFRINGEMENT
I shall not sue or otherwise make or present any demand or claim, and I irrevocably,unconditionally and entirely
release, waive and forever discharge CIC, its officers,directors, employees, agents, licensees, affiliates, successors
and assigns, jointly and individually (herein after "Releases”), from any and all manner of liabilities, claims,demands,
losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) ("Losses”), whatsoever,
in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the
Releaseewith respect to the submission of my Consumer Credit Information and / or my decision to provide CIC with
the authority to deliver my Consumer Credit Information to theCompany. I agree to defend, indemnify, and hold
harmless the Release from and against any and all Losses resulting from claims made against CIC L by third parties
arising from and in connection with this letter
I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the
exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. CIC is entitled to assign
its rights hereunder to any third person without taking my prior written consent.
36.OTHER CONDITIONS The facility shall be utilized for the purpose for which it is sanctioned, and it should not be
utilized for

Purchasing Gold, Mutual funds and other purchases in the investment category as decided by MobiKwik
Purchase on ca websites and Apps like Online poker, rummy and such other services as decided by MobiKwik.
This Loan Agreement ("Agreement") is executed at Delhi on this User Device ID
6C68BF1EB4E77F979A288140B77C701C689FFC13 IP Address 49.36.208.177, 172.69.203.43, 10.10.145.236 Timestamp
2024-04-09T17:43:18

BY AND BETWEEN

Lender(s) registered with Transactree Technologies Private Limited ("Lendbox"), a P2P NBFC licensed by the Reserve Bank
of India, on the platform www.lendbox.in

AND

The "Borrower" as described in Annexure 2 hereunder, which expression unless repugnant to the context shall mean and
includes its legal representatives, permitted assigns and successors.

The Lender and the Borrower are hereinafter individually referred to as the "Party" and collectively as the "Parties".

WHEREAS the Parties have agreed to enter into this agreement on the terms and conditions contained hereinafter as
follows:
 1. The Lender agrees to lend to the Borrower and the Borrower agrees to borrow an unsecured line of credit ("Loan") in
accordance with the terms and conditions mentioned in Annexure 2 and {Zip EMI T&Cs}.
2. The Lenders for the Loan will be determined by Lendbox. The Lender to this Loan may be more than one depending
on the total Loan amount. For detailed lender information visit www.lendbox.in
3. Lendbox has entered into an agreement with One Mobikwik Systems Limited (hereinafter referred to as the "Partner" or
"Mobikwik"). The Borrower is a customer registered on the PARTNER'S platform and BOTH PARTIES agree that the
terms of this agreement are subject to the terms and conditions laid down in the agreement signed between Lendbox &
PARTNER - described in detail in Annexure 1.
4. Lendbox has authorized various third parties to provide services with regard to onboarding, management and
collections from the Borrower and act as a customer touch points besides Lendbox's own personnel. These third
parties also include One Mobikwik Systems Limited ("Mobikwik") and its agents.
5. The Parties acknowledge that the transaction of lending and repayment is being facilitated by Transactree
Technologies Private Limited (hereinafter "Lendbox") through their platform. Lendbox shall partner with Mobikwik,
whereby the Loan will be facilitated via the online account opened for the Borrower on the mobile application or website
operated by Mobikwik, hereafter called the "Service Platform". The Loan may be availed by the Borrower through the
Service Platform.
6. The Lender(s) shall deposit funds through the Service Platform, and the Partner shall transfer these funds in the
account specified by Lendbox, being the Lender funding escrow account of Lendbox for Lender deposits. The amount
shall be transferred and disbursed from the Nodal account set up by Lendbox and Partner for disbursements in no later
than 48 hours from the time of funding of the escrow account by the Lender, subject to any banking holiday and such
delay if any will not change the terms and conditions of the Loan repayment in any manner. It is the Partner's
responsibility to transfer the amount into Borrower's account or into any other account identified by the Borrower, such
as the merchant etc. from the nodal account. The Borrower shall deposit the repayments for the Loan through the
Service Platform, and the Partner shall transfer these repayments in the account specified by Lendbox, being the
escrow account of Lendbox for repayments based on the terms and conditions of the loan repayment mentioned in {Zip
EMI T&Cs}.
7. The Borrower shall repay the Loan (including interest, additional interest and other charges thereon) in accordance
with {Zip EMI T&Cs}. It is hereby clarified that the Lendbox acting on behalf of lender(s) reserves the right to modify
including increase, decrease or suspend the line or credit mentioned in {Zip EMI T&Cs} at any time, at its sole
discretion. In the event of any material and significant modification to {Zip EMI T&Cs}, Lendbox shall issue a fresh
Sanction Letter, in the manner provided in Annexure 2 to the Borrower.
8. The Loan is unsecured and no security has been provided by the Borrower to the Lender to secure his repayment/
payment obligations in terms of this Agreement.
9. The Borrower may, subject to applicable law, prepay the entire outstanding Loan Amount along with interest, additional
interest and other charges as applicable, at any time as per the repayment schedule specified in {Zip EMI T&Cs}.
10. Each Party represents and warrants that it is entitled to enter into this Agreement and to undertake the obligations
herein contained. The Lender represents and warrants that the funds for the Loan as specified in Annexure 2 shall be
ready and available in the escrow account of Lendbox on or prior to the date of this Agreement, failing which the
repayment schedule, Loan due date, billing date etc would be altered.
11. Each Party further represents and warrants that its respective signatory, as applicable, to this Agreement are duly
authorized to execute the same in a manner binding upon the Party and that all approvals and procedures necessary
for vesting such authority in its signatory have been duly obtained and complied with.
12. The occurrence of any of the following events, or events similar thereto, shall each constitute an event of default
("Event of Default"):
 1. The Borrower does not pay any amount due and payable pursuant to this Agreement in accordance with the terms of
this Agreement on the date such amount is payable;
2. The breach of, or omission to observe, or default by the Borrower in observing any of its obligations, covenants,
warranties, undertakings under this Agreement;
3. Any representation or statement made or deemed to be made by the Borrower in this Agreement or any other
document delivered by or on behalf of the Borrower under or in connection with the Agreement being or being proven
to have been incorrect or misleading when made or deemed to be made; or
4. The Borrower is declared insolvent or files for insolvency or any attachment, distress execution or any other such
process is initiated against the Borrower.
13. Upon the occurrence of an Event of Default, the Lender and Lendbox on behalf of the Lender, shall, without the
requipxent of serving any notice/default notice to the Borrower:

1. declare that the Loan Amount, together with accrued interest, additional interest and all other amounts accrued or
outstanding under this Agreement be immediately due and payable, whereupon they shall become immediately due
and payable;
2. encash or present for encashment, the undated, postdated, signed cheques provided as Collateral in order to
recover any or all of the amounts outstanding to the Lender; or
3. exercise such other rights as may be available to the Lender under Applicable Law.
14. This Agreement shall come into force on the date of execution of this Agreement and shall remain in full force until the
repayment of the entire portion of the Loan Amount along with all interest, additional interest, dues, charges, taxes as
may be applicable.
15. The Parties agree and undertake that they shall, at all times, during the continuance of this Agreement, ensure that all
the terms and conditions of this Agreement and all information relating to the Loan Amount shall be kept confidential
("Confidential Information") and they shall not disclose any information relating to this Agreement to any third party,
without the prior written consent of the other Party other than information relating to:

1. information and data relating to it;

2. information or data relating to any credit facility availed by / to be availed by it;
3. default if any committed by it in discharge of our such obligation, as the Lender may deem appropriate and
necessary to disclose and furnish to credit information agencies and any other agency authorized in this behalf by
Reserve Bank of India; which shall not be considered confidential in nature.
16. The Borrower agrees and undertakes that the information and data furnished by it to the Lender and to Lendbox
pursuant to this Agreement and in relation thereto, are true and correct and consents that any agency authorized by
the Lender or Lendbox may use and process the information and data provided under this agreement.
17. The Borrower shall indemnify and hold the Lender and Lendbox harmless from and against any and all loss, damage
or other consequences which may arise or result from giving the Loan to the Borrower and shall reimburse the Lender
and/or Lendbox upon demand all such sums and shall upon request appear and defend at the Borrower's own cost
and expenses any action which may be brought against the Lender in connection therewith and shall accept the
statement of account presented by the party claiming the loss as conclusive proof of the correctness of any such claim
to be due from him.
18. The Agreement shall be governed by the laws of India and courts at Delhi shall have exclusive jurisdiction to settle any
disputes which may arise out of or in connection with this Agreement. The Parties irrevocably agree to submit to that
jurisdiction, to the exclusion of other Courts.
19. The Borrower shall reimburse and pay to the Lender all costs, charges and expenses, including stamp duty and legal
costs on actual basis and other charges and expenses which may be incurred in preparation of these presents and
related to and or incidental documents and enforcement of the rights of the Lender there under or any other document
security created / executed by the Borrower in favour of the Lender.
20. The Borrower shall not assign any of its rights or obligations under this Agreement. The Lender may assign this
Agreement and all rights hereunder or transfer the benefit of the whole or any part of this Agreement to any third party
through Lendbox, without the prior consent of the Borrower. Lendbox shall inform the Borrower of such assignment
through their platform www.lendbox.in within 5 working days of such assignment.
21. Notwithstanding anything contained herein, the parties agree that they have authorized Lendbox to appoint a suitable
agency as the recovery agent ("Recovery Agent") for recovery of any amounts due and payable under this Agreement.
The Recovery Agents shall take all such reasonable steps as might be necessary for recovery; however, the Recovery
Agents do not guarantee an assured recovery of dues. That the charges being levied by the Recovery Agent shall be
to the account of the Lender. The Parties understand that Lendbox is only offering its assistance in recovery on
account of a default and in no manner is liable for any default, being a marketplace for prospective lenders and
borrowers to meet and interact. For the purpose of this Loan, The Recovery Agent shall be Partner and it's service
providers or sub-agents.
22. The rights, powers and remedies given to the Lender by this Agreement shall be in addition to all rights, powers and
remedies given to the Lender by virtue of any other security, statute or rule of law.
23. The Parties hereto confirm and acknowledge that this Agreement shall constitute the entire agreement between them
and shall supersede and override all previous communications, either oral or written, between the Parties with respect
to the subject matter of this Agreement, and no agreement or understanding varying or extending the same shall be
binding upon any Party hereto unless arising out of the specific provisions of this Agreement.
24. No amendment, modification or addition to this Agreement shall be binding on all the Parties hereto unless set forth in
writing and executed by them or through their duly authorized representatives.
25. If any term, provision, covenant or restriction of this Agreement is held by a court of competent jurisdiction to be invalid,
void or unenforceable, the remainder of the terms, provisions, covenants and restrictions of this Agreement shall
remain in full force and effect and shall in no way be affected, impaired or invalidated.
26. Any notice or demand hereunder shall be in writing and sent through post at the address specified above or the
address last known to the Party sending the notice. Any notice sent under this agreement shall be deemed to be
delivered 2 business days following the dispatch of the notice.
IN WITNESS WHEREOF, THE PARTIES HAVE EXECUTED AND DELIVERED THIS AGREEMENT ON THE DAY AND
YEAR FIRST ABOVE WRITTEN.

For and on behalf of Lender For and on behalf of Borrower

(customer name as in Annexure 2)

.............

arpan arora
 Annexure 1

PARTNER: One Mobikwik Systems Limited (CIN - U64201HR2008PLC053766)

Lendbox has entered into a service agreement with One Mobikwik Systems Limited dated 2024-04-09 to provide Line of
Credit to their customers.

Annexure 2

Part A: Details of Borrower

# Description Particulars

1 Name arpan arora

2 PAN Number DZFPA8469G

3 Mobile Number 9026160711

4 Email Address jiouser2000@gmail.com

5 Residential Address laxman puri 519 indira nagar indira nagar lucknow uttar pradesh 226016

6 Particulars for Notice Name of Contact Person: Same as

above
Address: Same as above
Phone Number:
Same as above
Email id: same as
above

Part B: Details of the Loan

# Description Particulars

1 Lender Name Lender(s) registered on Transactree Technologies Private Limited's platform "
Lendbox"

2 Sanction Date 2024-04-09T17:46:28.470136047

3 Maximum Sanction 150000.0

Limit
4 Line Expiration Date 2025-04-09T17:42:36

5 EMI Cycle Monthly

6 EMI Date 5th of every month

7 APR Upto 29.99

8 Processing Fee Upto 7.07

9 Loan ID 4257025