Eadon Cruz Marshall

02-03-1985

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67 grand duff Udhagamandalam lovedale,67 grand duff Udhagamandalam lovedale

The Nilgiris

Lena school Coimbatore

643003 TAMIL NADU

866****662
 Most Important Terms and Conditions (MITC)

Applicant Name

Applicant Address

Loan Reference No.

UCIC

Please read carefully and ACCEPT to continue

I/We:

I hereby give my consent and specifically confirm that the Financing Documents submitted by me shall be valid, effective and legally en-
forceable against me. For the purpose hereof, a document shall be deemed to be “Electronically Signed” if it has been encrypted / authen-
ticated by using an electronic method or procedure in accordance with the provisions of the Information Technology Act, 2000 or in any
other manner / method / procedure / technique as is recognized / envisaged as a valid method of encryption / authentication under the
provisions of the Information Technology Act, 2000.

I/We agree and confirm:

These Most Important Terms and Conditions (MITC) shall govern the general terms and conditions applicable to the Loan (defined be-
low) to be provided to Borrower (defined below) by the Lender (as defined in the Sanction Letter), a company as defined in the Companies
Act, 2013, (hereinafter referred to as the “Lender”, which expression shall, unless repugnant to the subject, context or meaning thereof, be
deemed to include its executors, its successors-in-interest and any assigns and/or any finance partner(s) with whom Lender has entered
into a co-lending agreement.

1. DEFINITIONS
01. The terms and expressions contained in this MITC and the Customer Application Form are defined as under:
a. “Applicant” means to any person or entity who has shown interest in or has applied for a Loan from the Lender;
b. “Borrower” means and refers jointly and severally to the applicant(s) who has / have been sanctioned/granted the Loan by
the Lender (as defined hereunder) based on the duly filled in Loan Application Form submitted by such applicant(s) to the
Lender for availing of the Loan means and refers jointly and severally to the applicant(s) who has / have been sanctioned/
granted the Loan by the Lender based on the duly filled in Loan Application Form submitted by such applicant(s) to the
Lender for availing of the Loan;
c. “Borrower’s Dues” means all sums payable by the Borrower to Lender, including outstanding Loan, interest, all other charges,
costs and expenses;
d. “Platform” shall refer to all website (including all associated site links) and/or mobile based application/and/ or such other
website and/or mobile based application/platform, referred by the Lender and used by the Borrower to apply for limit/loan;“
e. Due Date” in respect of any payment means the date on which any amount is due from the Borrower to Lender and such
date as changed by the Lender from time to time upon intimation to the Borrower through written means.
f. “EMI” means the Equated Monthly Installment amount to be paid by the Borrower on the scheduled Due Date as per Financ-
ing Documents;
g. “Loan” means the amount of the financial assistance sanctioned to the Borrower as per the Sanction Letter or as displayed
on the Platform, which will be or has been made available, to the extent the same is not cancelled, reduced or transferred by
the Lender as per the terms of Financing Documents;
h. “Financing Documents” means these MITC, Welcome Letter, Customer Application Form, Offer-Cum Sanction Letter, Key
Fact Statement (KFS), Statement of Accounts (SoA) including the annexures hereto and any documents executed by the
Borrower or as required by Lender, as amended from time to time;
i. “Loan Application” means the application in the prescribed form as submitted from time to time by the Borrower to Lender
for seeking financing;
j. “Sanction Letter” subject to the Loan availed by the Borrower shall mean the sanction letter issued by the Lender containing
the relevant commercial terms and conditions applicable to the Loan;
k. “Material Adverse Effect” means any event which in Lender’s opinion would have an adverse effect on (i) Borrower’s ability to
pay the Borrower’s Dues or (ii) recoverability of the Borrower’s Dues;

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited | [email protected] | https://sicrevacapital.com | (022) 6282 0570
 l. “Late Payment Charges” means the default charges as prescribed in the KFS. Any changes to these charges will be updated
on the Lender’s website and its mobile application. Subsequent, communication regarding changes to the late payment
charges will be applicable to the customer as outlined in the KFS;
m. “Purpose” means the utilization of Loan as mentioned in the Sanction Letter.
n. “Cooling off period” means a period of time from the date of disbursement of Loan within which the borrower can change
her/ his mind with return or cancellation of the Loan without any prepayment charges.
02. In this Agreement, (a) the singular includes the plural (and vice versa) and (b) reference to a gender shall include references to the
female, male and neutral genders.

2. DISBURSEMENT
01. Subject to the provisions of the Financing Documents, the Borrower may at any time during the Validity Period of offer, request
the Lender for disbursement the Loan to the extent of the available loan amount. The Lender shall at its sole and absolute dis-
cretion allow or reject such request for the Loan. Notwithstanding anything contained in this MITC, Lender shall have the abso-
lute right to cancel or refuse any further Loan at its sole and absolute discretion as it may deem fit, including on account of any
change in credit evaluation of the Borrower.
02. The disbursement of any Loan directly to any vendor / seller/ healthcare institution or its authorized person for any Purpose shall
be treated as having been disbursed to the Borrower.
03. The Borrower shall pay non-refundable processing fees as stated in the KFS , Sanction Letter or as displayed on the Lender’s
website or i its mobile application, along with tax thereof, which may be added as a deemed disbursement to the Loan and the
Borrower will accordingly be liable for entire amount. Provided that, if the processing fees as mentioned in the KFS is revised by
the Lender, the same shall be updated on its website/mobile application, an intimation thereof shall be sent to the Borrower and
applied prospectively.
04. The Borrower shall utilize the disbursed loan exclusively for the Purpose as stated in the Sanction Letter and for no other purpose.
05. The Lender reserves the right to cancel or modify the terms of sanction letter before disbursing of the loan, in accordance of its
policy, without assigning any reason.

3. PAYMENT/REPAYMENT AND INTEREST

01. The Borrower shall repay/pay the entire Loan in one or more instalments along with the interest thereon to the Lender in such
manner as agreed/specified by the Lender from time to time, on the respective Due Date. Subject to Clause 05 (mentioned
hereunder), the Borrower agrees to pay to the Lender interest on the Loan or such part thereof as may be outstanding from time
to time at such interest rate, which has been indicated by Lender at the time of making the offer for the Loan. However, in such
cases, in the event the installment is not paid on the Due Date, all overdue amounts shall accrue Late Payment Charges which
shall be computed from the respective due dates for payments until payment of such dues, as prescribed in KFS.
02. The Lender shall apply the foreclosure charges, if Borrower chooses to opt for it. The Borrower shall pay to the Lender such
foreclosure charges mentioned in KFS and the same shall be displayed on the Lender’s website. Provided that, if the foreclosure
charges as mentioned in the KFS is revised by the Lender, the same shall be updated on its website/mobile application, an intima-
tion thereof shall be sent to the Borrower and applied prospectively.
03. The tenure of each Loan shall be as provided in the Sanction Letter. EMI shall be calculated by Lender as required within their re-
spective tenure and interest payable thereon and not exceeding the maximum EMI as provided in the Sanction Letter or its mobile
application. EMI shall only be towards principal outstanding and interest thereon and does not include any default interest or any
other charges payable by the Borrower pursuant to Financing Documents.
04. The payment of each EMI on time is the essence of the contract. The Borrower acknowledges that s/he has understood the
method of computation of EMI and shall not dispute the same.
05. Notwithstanding anything to the contrary in the Financing Documents, the Lenders shall always reserve the right to revise the
rate of interest and charges whether upwards or downwards, on all existing advances/financial assistance, if so required under
any applicable law. Any such change, as intimated by Lenders to Borrower (through modes such email or otherwise in the manner
prescribed for the same from time to time by Lenders, etc.), will be final and binding on the Borrower prospectively.
06. The rate of interest applicable to the Loan availed shall be as prevailing on the date of disbursement and will be based upon the
Lenders evaluation of the creditworthiness of the Borrower, the risk profiling done by the Lenders, etc.
07. Any dispute, including that relating to the interest computation or tenure, shall not entitle the Borrower to withhold payment de-
manded by the Lenders and/or payment of any dues.
08. In case of delayed payments, without prejudice to all other rights of Lender, Lender shall be entitled to Late Payment Charges (as
prescribed in Sanction Letter or as displayed on the Lender’s website or its mobile application or as communicated to the borrow-
er from time to time) from the Borrower for the period of delay.
09. Notwithstanding any terms and conditions to the contrary contained in the Financing Documents, the amounts repaid by the
Borrower shall be appropriated firstly towards interest due and payable and or/accruing due and payable, secondly towards re-
payment of the amount of any installment(s) of the principal sums due and payable or becoming due and payable, thirdly towards
cost, charges, expenses and other monies, due and payable or become due and payable to the Lender, or in a manner deemed fit
by the Lender as per its policies which shall be communicated to the Borrower from time to time.
10. Interest (if applicable), Late Payment Charges and all other charges shall accrue from day to day and shall be computed on the

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited | [email protected] | https://sicrevacapital.com | (022) 6282 0570
 basis of 365/366 days (as may be applicable) a year and the actual number of days elapsed.
11. All sums payable by the Borrower to Lender shall be paid without any deductions whatsoever.

4. MODE OF PAYMENT, REPAYMENT AND PREPAYMENT

01. The Borrower shall, as required by Lender from time to time, provide National Automated Clearing House (Debit Clearing)/ any
other electronic or other clearing mandate (collectively referred to as “Auto Debit Mandate”) as notified by the Reserve Bank of
India (“RBI”) against Borrower’s bank account for payment of dues. The Borrower shall honor all payments i.e. Auto Debit Mandate
without fail on due dates which may be utilized by Lender for realization of any Borrower’s Dues. The Borrower hereby uncondi-
tionally and irrevocably authorizes Lender to take all actions required for such realization. The Borrower shall promptly (and in any
event within seven (7) days) replace the Auto Debit Mandate and/or other documents executed for payment of Borrower’s Dues
as may be required by Lender from time to time, at its sole discretion.
02. The Borrower shall, at all times maintain sufficient funds in his/her bank account for due payment of the Borrower’s Dues on
respective Due Dates. Borrower shall not close the bank account from where Auto Debit Mandate have been issued or cancel or
issue instructions to the bank or to Lender to stop or delay payment under Auto Debit Mandate. Lender is not bound to take notice
of any such communication in this regard.
03. The Borrower agrees and acknowledges that the Auto Debit Mandate have been issued voluntarily in discharge of the Borrower’s
Dues and not by way of a security for any purpose whatsoever. The Borrower also acknowledges that dishonor of any Auto Debit
Mandate is a criminal offence under the Negotiable Instruments Act, 1881/The Payment and Settlements Act, 2007. The Bor-
rower shall be liable to pay bounce charges for each Auto Debit Mandate dishonour (as prescribed in the KFS or Sanction Letter
or as displayed on the Lender’s website or its mobile application). Provided that, if the bounce charges as mentioned in the KFS
is revised by the Lender, the same shall be updated on its website/mobile application, an intimation thereof shall be sent to the
Borrower and applied prospectively.
04. Any dispute or difference of any nature whatsoever shall not entitle the Borrower to withhold or delay payment of any EMIs or
other sum and Lender shall be entitled to present the Auto Debit Mandate on the respective due dates.
05. Notwithstanding the issuance Auto Debit Mandate the Borrower will be solely responsible to ensure timely payment of dues.
06. Subject to the provisions set forth hereinabove, the lender shall acknowledge various modes of payment from the borrower for
the purpose of payment or repayment, as provided for in the App, web and TPAPs approved by regulatory authorities such as
Debit Card, Netbanking, UPI, IMPS, NEFT, RTGS, BBPS etc depending upon the availability.
07. The Borrower shall ensure that the loan repayments must be exclusively from their own bank account and not from any other
individual’s/organization’s bank account. Payments made from a third-party account may be rejected or automatically refunded.

5. BORROWER’S COVENANTS, REPRESENTATION AND WARRANTIES

01. The Borrower shall:
a. Observe and perform all its obligations under the Financing Documents.
b. Immediately deliver to Lender all documents, including bank account statements as may be required by Lender from time to
time. The Borrower also authorizes Lender to communicate via Account Aggregator with (a) any bank where the Borrower
maintains an account and to seek details and statement in respect of such account from the bank and (b) with any employer
of any Borrower/family members, any other person related to the Borrower, as Lender may deem necessary, including for
monitoring Borrower’s creditworthiness. The Lender shall have the right to not return the application, the photographs, infor-
mation and documents submitted by the Borrower.
c. Immediately notify Lender of any litigations or legal proceedings against any Borrower.
d. Notify Lender of any Material Adverse Effect or Event of Default (as described hereunder).
e. Notify Lender in writing of all changes in the location/ address of office /residence /place of business or any change/resigna-
tion/termination / closure of employment/ profession /business.
f. Not leave India for employment or business or long term stay abroad without fully repaying the Loan then outstanding, to-
gether with interest and other dues and charges.
g. Provide security, if any, as specified in Financing Documents or as may be required by Lender in case of any change in credit
worthiness of any Borrower (as determined by Lender).
h. Ensure deposit of salary and / or business proceeds in the account from which Auto Debit Mandate have been issued to
Lender. The Borrower also authorizes the Lender to resubmit the Auto Debit Mandate on any date with prior intimation in
case the EMI bounces. The Borrower agrees that non-receipt of any EMI alert shall not be a valid ground for non-payment of
any EMI.
i. Comply at all times with applicable laws, including, Prevention of Money Laundering Act, 2002, as amended from time to
time.
j. Utilise each Loan only for the Purpose stated by Borrower (if any) in the Loan application.
k. Submit the updated copies of such KYC documents to the Lenders within a period of thirty (30) days, if there occur any
change in the KYC documents submitted by the Borrower for availing the Loan.
02. Each Borrower represents and warrants to Lender as under:
a. All the information provided by Borrower in the Customer Application Form and any other document, whether or not relevant
for ascertaining the credit worthiness of the Borrower, is true and correct and not misleading in any manner;

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited | [email protected] | https://sicrevacapital.com | (022) 6282 0570
 b.
The Borrower is capable of and entitled under all applicable laws to execute and perform the Financing Documents and the
transac tions thereunder;
c. The Borrower is above 18 (Eighteen) years of age and this MITC is a legal, valid and binding obligation on him/her, enforceable
against him/her in accordance with its terms;
d. The Borrower declares that he/ she is not prohibited by any law from availing this Loan;
e. No event has occurred which shall prejudicially affect the interest of Lender or affect the financial conditions of Borrower or
affect his/ her liability to perform all or any of their obligations under the Financing Documents;
f. Borrower is not in default of payment of any taxes or Government dues;
g. The Borrower will do all acts, deeds and things, as required by Lender to give effect to the terms of this MITC;
h. That there are no bankruptcy or insolvency proceedings against the Borrower.
03. The Borrower gives its consent to Lender to use/store all the information provided by the Borrower or otherwise procured by
Lender in the manner it deems fit including for the Purpose of this Loan or for its business and understands and agrees that Lend-
er may disclose such information to its contractors, agents and any other third parties in accordance with the privacy policy.

6. EVENTS OF DEFAULT
01. The following acts/events, shall each constitute an “Event of Default” by the Borrower for the purposes of each Loan:
a. The Borrower fails to make payment of any Borrower’s Dues on Due Date;
b. Breach of any terms, covenants, representation, warranty, declaration or confirmation under the Financing Documents;
c. Any fraud or misrepresentation or concealment of material information by Borrower which could have affected decision of
Lender to grant any Loan;
d. Death, lunacy or any other permanent disability of the Borrower;
e. Borrower utilises the Loan for any purpose other than the Purpose stated by Borrower (if any) in the Loan application;
f. Occurrence of any events, conditions or circumstances (including any change in law) which in the sole and absolute opinion
of Lender could have a Material Adverse Effect, including limitation of any proceedings or action for bankruptcy/liquidation/
insolvency of the Borrower or attachment / restraint of any of its assets;
g. Shall not revoke the NACH Mandate without prior approval of the Lender;
02. Any occurrence or event beyond those expressly listed herein, whether similar in nature or otherwise, shall be deemed to consti-
tute an Event of Default.
03. The decision of Lender as to whether or not an Event of Default has occurred shall be binding upon the Borrower.
04. The circular on the Prudential Framework for Resolution of Stressed Assets requires the lenders to recognize incipient stress in
Borrower(s)’s accounts, immediately on default, by classifying them as special mention accounts (SMA). The basis for classifica-
tion of SMA categories shall be as follows:
Loans other than revolving facilities

SMA Subcategories Basis for classification – Principal or interest payment or any other amount wholly or
partly overdue

SMA-0 Upto 30 days

SMA-1 More than 30 days and up to 60 days

SMA-2 More than 60 days and up to 90 day

The date of SMA/NPA shall reflect the asset classification status of an account at the day-end of that calendar date. Example: If
due date of a loan account is March 31, 2021, and full dues are not received before the lending institution runs the day-end pro-
cess for this date, the date of overdue shall be March 31, 2021 and this account shall get tagged as SMA-0 upon running day-end
process on March 31, 2021. If it continues to remain overdue, then this account shall be tagged as SMA-1 upon running day-end
process on April 30, 2021 i.e. upon completion of 30 days of being continuously overdue. Accordingly, the date of SMA-1 classifi-
cation for that account shall be April 30, 2021. Similarly, if the account continues to remain overdue, it shall get tagged as SMA-2
upon running day-end process on May 30, 2021 and if continues to remain overdue further, it shall get classified as NPA upon
running day-end process on June 29, 2021.
05. The Borrower(s) acknowledges that as per RBI guidelines, classification of accounts as NPA is done borrower wise and not facility
wise and hence, it may be noted that in case of non-payment of dues by the Borrower(s) in case of any facility availed from the
Bank and consequently the account is to be classified as NPA, all other loan accounts of the Borrower(s) with the Bank also shall
be classified as NPA as per the guidelines issued by RBI and it shall entitle the Bank to recall all such loans/facilities availed by the
same customer from the Bank, irrespective of the regular repayment in such accounts.

7. CONSEQUENCES OF DEFAULT
01. Upon occurrence of any of the Events of Default and at any time thereafter, Lender shall have the right, but not the obligation to

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited | [email protected] | https://sicrevacapital.com | (022) 6282 0570
 declare all sums outstanding in respect of the Loan, whether due or not, immediately repayable and upon the Borrower failing to
make the said payments within 15 (fifteen) days thereof, Lender may at its sole discretion exercise any other right or remedy which
may be available to Lender under any applicable law, including seeking any injunctive relief or attachment against the Borrower or
their assets.
02. The Borrower shall also be liable for payment of all legal and other costs and expenses resulting from the foregoing defaults or
the exercise of Lender remedies.
03. The Borrower will be sent reminders from time to time for settlement of any outstanding Loan, by post, fax, telephone, e-mail,
SMS and/ or any other mode of communication as deemed fit by the Lender engaging third parties to remind, follow up and col-
lect dues. Any third party so appointed, shall adhere fully to the code of conduct on debt collection.

8. DISCLOSURES
01. The Borrower acknowledges and authorizes Lender to disclose all information and data relating to Borrower, the Loan, default if
any, committed by Borrower to such third parties/ agencies as Lender may deem appropriate and necessary to disclose and/or as
authorized by RBI, including TransUnion CIBIL Limited (“CIBIL”). The Borrower also acknowledges and authorizes such information
to be used, processed by Lender / third parties/ CIBIL / RBI as they may deem fit and in accordance with applicable laws. Further
in Event of Default, Lender and such agencies shall have an unqualified right to disclose or publish the name of the Borrower /or
its directors/ partners/ co-applicants, as applicable, as ‘defaulters’ in such manner and through such medium as Lender / CIBIL/
RBI/ other authorized agency in their absolute discretion may think fit, including in newspapers, magazines and social media.
02. The Borrower shall not hold Lender responsible for sharing and/or disclosing the information now or in future and also for any
consequences suffered by the Borrower and/or other by reason thereof. The provisions of this clause 8 shall survive termination
of the MITC and the repayment of the Borrower’s dues.
03. The Financial Documents constitutes the entire arrangement between the Parties with respect to the subject matter hereof and
supersedes all prior written agreements, understandings and negotiations, both written and oral, between the Parties with respect
to the subject matter of this document.

9. MISCELLANEOUS
01. The entries made in records of Lender shall be conclusive evidence of existence and of the amount Borrower’s
Dues and any statement of dues furnished by Lender shall be accepted by and be binding on the Borrower.
02. Borrower’s liability for repayment of the Borrower’s Dues shall, in case where more than one Borrower have jointly
applied for any Loan, be joint and several.
03. Borrower shall execute all documents and amendments and shall co-operate with Lender as required by Lender
(i) to comply with any RBI guidelines / directives or (ii) for giving Lender full benefit of rights under the Financing
Documents. Without prejudice to the aforesaid the Borrower hereby irrevocably consents that on its failure to do
so, such changes shall be deemed to be incorporated in the Financing Documents and shall be binding on the Borrower.
04. The Borrower acknowledges that the rate of interest, penal charges, service charges and other charges payable and or agreed to
be paid by the Borrower under Financing Documents are reasonable and acceptable to him/ her.
05. The Borrower expressly recognizes and accepts that Lender shall without prejudice to its rights to perform such activities itself
or through its office employees be entitled and has full power and authority so to appoint one or more third parties (hereinafter
referred to as “Service Providers”) as Lender may select and to delegate to such party all or any of its functions, rights and power
under Financing Documents relating to the sourcing, identity and verification of information pertaining to the Borrower, admin-
istration, monitoring of the Loan and to perform and execute all lawful acts, deeds, matters and things connected therewith and
incidental thereto including sending notices contacting Borrower, receiving Cash/Cheques/Drafts/ Mandates from the Borrower
in favour of Lender.
06. The Borrower acknowledges that the financing transaction hereunder gives rise to a relationship of debtor and creditor as be-
tween him / her and Lender and not in respect of any service rendered/to be rendered by Lender. Accordingly, the provisions of
the Consumer Protection Act, 1986 shall not apply to the transaction hereunder.
07. If required by the lender, the Borrower hereby authorizes Lender to verify all information and documents including, income proof
documents, residence documents, address proof documents, identity documents and other such documents containing personal
and financial information as are submitted by them for obtaining any Loan and that they also consent to subsequent retention of
the same by Lender.
08. The Borrower acknowledges and authorizes Lender to procure Borrower’s PAN No./copy of Pan Card, other identity and address
proof and Bank Account details, from time to time. The Lender may validate the Borrower’s details from NSDL and CERSAI and
any other Governmental agencies. The Lender shall obtain credit information of the Borrower from agencies such as CIBIL, Ex-
perian, Hunter etc, and also obtain such other reports as and when required for the validation of credit worthiness of Borrower.
09. The Borrower also hereby gives consent and authorizes Lender to undertake its KYC verification by Aadhar e-KYC or otherwise
and undertake all such actions as may be required on its behalf or otherwise to duly complete the process of such verification
including by way of Aadhar e-KYC and share such information with any authority and store such information in accordance with
the applicable laws.
10. In the event of any disagreement or dispute between the Lender and the Borrower regarding the materiality of any matter includ-

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited | [email protected] | https://sicrevacapital.com | (022) 6282 0570
 ing of any event occurrence, circumstance, change, fact information, document, authorization, proceeding, act, omission, claims,
breach, default or otherwise, the opinion of Lender as to the materiality of any of the foregoing shall be final and binding on the
Borrower.
11. The Borrower and Lender may mutually agree on grant of a fresh Loan on the terms and conditions of the MITC and by execution
of such further letter/undertaking by the Borrower as may be required by Lender.
12. If the Borrower voluntarily avails any services along with the Loan from any of the third parties whose products are being sold by
the Lender as a bundled product including but not limited to life insurance, health insurance, general insurance plans, consumer
durable insurance, extended warranty, or any other offers/products/services offered by third parties, then the Borrower hereby
acknowledges that Lender shall not be held responsible for non-provision of services by such third parties.
13. The Lender retains the primary right of set off and in exercise of the Lender’s general lien under law, the Lender shall also have
a paramount right of lien on all monies, deposits belonging to the Borrower(s) or standing to the Borrower(s)’s credit (whether
singly or jointly with other person/s) which are or may at any time with or in possession or control of the Lender for any reason or
purpose whatsoever.

10. SEVERABILITY
The Borrower acknowledges that each of his/her obligations under these Financing Documents is independent and
severable from the rest.

11. GOVERNING LAW AND JURISDICTION

01. All Loan and the Financing Documents shall be governed by and construed in accordance with the laws of India.
02. All disputes, differences and / or claims arising out of these presents or as to the construction, meaning or effect
hereof or as to the right and liabilities of the parties under the Financing Documents shall be settled by arbitration in
accordance with the provision of the Arbitration and Conciliation Act, 1996 or any statutory amendments thereof
or any statute enacted for replacement therefore and shall be referred to arbitration mutually appointed by both
the parties. The place of arbitration shall be Mumbai, India. The awards including interim awards of the arbitration
shall be final and binding on all parties concerned. The arbitrator may pass the award without stating any reasons in
such award.
03. Further, the present clause shall survive the termination of Financing Documents. The Courts at Mumbai, India
shall have exclusive juris- diction (subject to the arbitration proceedings which are to be also conducted in Mumbai,
India) over any or all disputes arising out of the Financing Documents.
04. The parties may choose to conduct such Arbitration proceeding via online mode.

12. NOTICES
Any notice to be given to the Borrower in respect of Financing Documents shall be deemed to have been validly given if served on the
Borrower or sent by registered post to or left at the address of the Borrower existing or last known business or private address. Any
such notice sent by registered post shall be deemed to have been received by the Borrower within 48 hours from the time of its post-
ing. Any notice to Lender shall be deemed to have been valid only if received by Lender at its registered address.

13. ASSIGNMENT
01. The Borrower shall not be entitled to jointly or severally transfer or assign all or any of their right or obligation or duties under the
Financing Documents to any person directly or indirectly or create any third-party interest in favour of any person without the
prior written consent of Lender.
02. Lender shall be entitled to sell, transfer, assign or securitise in any manner whatsoever (in whole or in part and including through
grant of participation rights) all or any of its benefits, right, obligation, duties and / or liabilities under Financing Documents,
without the prior written consent of, or intimation to the Borrower in such manner and such terms as Lender may decide. In the
event of such transfer, assignment or securitization, the Borrower shall perform and be liable to perform their obligation under the
Financing Documents to such assignee or transferor. In such event, the Borrower shall substitute the remaining Auto-Mandate in
favour of the transferee/ assignee if called upon to do so by Lender.

14. INDEMNITY
The Borrower hereby indemnifies, defends and holds Lender, its employees, directors, representatives and consultants harmless from
time to time and at all times against any liability, claim, loss, judgment, damage, cost or expense (including, without limitation, reason-
able attorney’s fees and expenses) as a result of or arising out of any failure by the Borrower to observe or perform any of the terms
and conditions and obligations contained in the Financing Documents or Event of Default or the exercise of any of the rights by Lender
under the Financing Documents, including for any enforcement of security or recovery of Borrower’s Dues.

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited | [email protected] | https://sicrevacapital.com | (022) 6282 0570
15. ACCEPTANCE
I / We am / are aware that Lender shall agree to become a party to this MITC only after satisfying itself with regard to all conditions and
details filled by me / us in the MITC and other Financing Documents in consonance with Lender policy. I / We agree that this MITC shall
be concluded and become legally binding on the date when the authorized officer of Lender signing this at Mumbai or on the date of
first disbursement, whichever is earlier. By clicking “I accept”, the Borrower electronically signs these MITC and agrees to be legally
bound by its terms. The Borrower’s acceptance of these MITC shall constitute: (i) the Borrower’s agreement to irrevocably accept and
to be unconditionally bound by all the terms and conditions set out in these MITC; and (ii) the Borrower’s acknowledgement and confir-
mation that these MITC (along with the Financing Documents) have been duly read and fully understood by the Borrower.

I hereby affirm my understanding of the English language and the entirety of the facts, terms, and conditions outlined above.

I / We agree that I am not a Politically Exposed Person (PEP) (“Politically Exposed Persons” (PEPs) are individuals who are or have been
entrusted with prominent public functions by a foreign country, including the Heads of States/Governments, senior politicians, senior
government or judicial or military officers, senior executives of state-owned corporations and important political party officials) and
further undertakes to immediately intimate the lenders’ in the event that he/she and/or any of their family members /close relatives
becomes a PEP. In this situation, the lenders’ will seek senior management approval to sustain the business relationship. The account
will then undergo Customer Due Diligence procedures, including ongoing enhanced monitoring, as required for PEP category custom-
ers.

Si Creva Capital Services Private Limited

Registered Office Address - 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West),
Mumbai - 400070 Maharashtra, India

CIN - U65923MH2015PTC266425

Si Creva Capital Services Private Limited | [email protected] | https://sicrevacapital.com | (022) 6282 0570
 KEY FACT STATEMENT

Name of the Borrower Eadon Marshall

Borrower Address 67 grand duff Udhagamandalam lovedale, 67 grand duff Udhagamandalam lovedale, The Nilgiris, Lena school, , Coimbatore, 643003, TAMIL NADU

Name of Lender SI Creva Capital Services Private Limited

Name of the Lending Service Provider (LSP) OnEMI Technology Solutions Private Limited

Name of the Digital Lending Application (DLA) Kissht

Sr.no. Parameter Details

Disbursement Date 2024-07-01

(i) Loan Amount (in Rs.) 15000

Annualized Rate of Interest (% per annum) 45%

(ii) Interest Amount (in Rs.) 1155

1 st Installment Due Date 2024-08-01

Last Installment Due Date 2024-10-01

(iii) Processing charge (in Rs.) (Inclusive of GST) 1062

(iv) Disbursement Amount (in Rs.) (i)-(iii) 13938

Total Amount to be Paid (in Rs.) 16155

Annual Percentage Rate (% per annum)

(v) Effective annualized interest rate (in percentage) (computed on Net Disbursed Amount 93%
using IRR approach and reducing balance method)

Net Disbursed Amount (including fees, packages & taxes if applicable) (in Rs.) 13938

Tenure of the Loan (in months/days) 3 Months

Repayment frequency by the borrower Monthly

Number of instalments of repayment 3

Amount of each instalment of repayment (in Rs.) 5380

Details about Contingent Charges Refer - Annexure B

Rate of annualized penal charges in case of delayed payments (if any) 85%

Rate of annualized other penal charges (if any); (details to be provided) -

Other Disclosures

Cooling off/look-up period during which borrower shall not be charged any penalty on prepayment
3 Days
of loan

OnEMI Technology Solutions Private Limited and for other recovery agents details
Details of LSP acting as recovery agent and authorized to approach the Borrower
please click here https://sicrevacapital.com/collection-agencies/

Name, designation, address and phone number of nodal grievance redressal officer designated
Refer Annexure- C
specifically to deal with FinTech/ digital lending related complaints/ issues

Details of recovery mechanism Refer Annexure- D

Annexure A: Repayment Schedule:

Instalment number Instalment date Principal (in Rs.) Interest (in Rs.) Instalment (in Rs.)

1 2024-08-01 4807 573 5380

2 2024-09-01 4990 390 5380

3 2024-10-01 5203 192 5395

Note:
a. Please note that this Key Fact Statement and the repayment schedule is applicable in respect of availing a Loan as of this moment, and is intended to be merely illustrative in case if the Loan is intended
to be availed in future. For the sake of clarity, if the Loan is availed in future, in that case depending upon the actual amount intended to be availed by the borrower and the actual date of disbursement,
a revised Key Fact Statement and the repayment schedule shall be shared, before the execution of the Loan contract.
b. If the borrower chooses to prepay the loan, the repayment schedule shall be amended accordingly.

Annexure B- Details of Contingent charges:

Annexure B- Details of Contingent charges:
Late Payment charges:

Bounce Charges (One-time fee) Rs. 500 + GST per EMI per instance of default and the same is payable apart from payment of applicable Daily Penal charges

Daily Penal Charges Daily Penal Charges for continuing default in repayment of EMI @ 0.2% + GST of the overdue principal amount at an annualized rate of 85% p.a

Important Notes
Bounce Charges & Daily Penal Charges will be applied if the EMI repayment is done after the scheduled due date or if otherwise applicable as per the terms of the Financing Document (collectively referred
to as “Late Payment Charges”).

Foreclosure charges 2% + GST on the principal amount foreclosed. The foreclosure charges will not be applicable during the cooling-off period.

Other charges Stamp duty and other cess would be collected at applicable rates from time to time.

Important Note:
As and when any updates to the fees & charges are introduced by the Lenders, the borrower shall be intimated about such changes by email or otherwise in the manner prescribed for the same from time to
time by Lenders. The borrower shall at all times ensure that his/her latest mobile number and email ID is updated with the Lenders. The Lenders shall rely upon the mobile number and email ID provided by
the borrower, and shall not be obliged to verify or make further inquiry into the validity of the mobile number and email ID provided by the borrower. The borrower shall in no circumstance dispute such
reliance by the Lenders.

Annexure C- Details of Grievance Officer:

Level 1:

022 62820570 / 022 48914921

Call The customer can get in touch with the customer service executive over call between 9:30 am to 6:30 pm, 7 days a week & 365 days a year by dialling the above number.
If the customer is unable to connect due to temporary heavy call volumes. A callback shall be attempted, in most of the cases, by the customer services team to the customer to
resolve his query/grievances.

022 48913631
The customer can get in touch with the customer service executive over Chat (preferably from his/her registered mobile number) between 9:30 am to 6:30 pm, 7 days a week & 365
Chat days a year by saving the above Official WhatsApp Chat number on his/her smartphone. In addition to WhatsApp Chat, the customer can also Chat with the customer service
executive by simply using the Chat option given in the Kissht App.
During non-working hours, the customer can use the automated Chatbot service available on the same number for getting his/her basic queries resolved and for raising a grievance
too.

[email protected]
Email a. The customer can get in touch with the customer service executive over Email by sending his query/grievance (preferably from his/her registered email id) to the above mentioned
email id of the company.

Level 2: If customer is unable to get a satisfactory response or is unable to reach the above Level 1 channels for Grievance
Redressal, he/she may choose to escalate the issue to the below mentioned officer’s:

Grievance Redressal Officer (GRO) Principal Nodal Officer (NO)

Mr. Mukul Dwivedi Mr. Benishba Jivin
Lender Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Address: 10th Floor, Tower 4, Equinox Park, LBS Marg,
1 Kurla West, Mumbai, Maharashtra 400070 Kurla West, Mumbai, Maharashtra 400070
Ph: 7967112136 Ph: 08046983691
Email: [email protected] Email: [email protected]

Grievance Redressal Officer (GRO) Nodal Officer (NO)

Pravin Rathod Zaffar Khan
Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Address: 10th Floor, Tower 4, Equinox Park, LBS Marg,
LSP Kurla West, Mumbai, Maharashtra 400070 Kurla West, Mumbai, Maharashtra 400070
Ph: 080-68249277 Ph: 080-68249278
Email: [email protected] Email: [email protected]

Important Notes:
a. The Grievance Redressal Officer (GRO) may be reached on the number provided above anytime between 10:00 and 18:00 from Monday to Saturday except public holidays or through the e-mail
address above. The GRO shall endeavor to resolve the grievance within a period of 14 days from the date of receipt of a grievance.
b. If the Borrower does not receive a response from the GRO within 14 (fourteen) days of making a representation, or if the Borrower is not satisfied with the response received from the GRO, the
Borrower may reach the Nodal Officer anytime between 10:00 to 18:00 from Monday to Saturday except public holidays or write to the Nodal Officer at the e-mail address above.
c. If the grievance is not redressed by the Nodal Officer of the Company, within a period of 30 (thirty) days, then the borrower can lodge a complaint over the Complaint Management System
(CMS) portal under the Reserve Bank- Integrated Ombudsman Scheme (RB-IOS).

Annexure D- Details of Recovery Mechanism:

a. SI Creva Capital Services Private Limited (SCCSPL) is an RBI registered NBFC follows all extant rules related to collections practices as laid down under regulations. SCCSPL follows a customer first
approach where the emphasis of collections is to work with the borrower so as to ensure the best outcome for them, while educating them on their rights and consequences under different
scenarios.
b. The course of action adopted by SCCSPL post default by the borrower in repaying the scheduled repayment(s) is as follows:
c. In the event of any delay or default in payment of any amount due and payable by the borrower in relation to the loan, the immediate action taken is to initiate messaging through SMS, in-app chat,
Verified WhatsApp Business Account, IVR, notifications, email and tele-calling by our inhouse collection team. The messaging is context-based and focuses on customer education and warning
around credit bureau impacting future loans and legal impact.
d. The next action taken is to send written communication by letters and/ or by electronic communication LDN (Loan Demand Notice) and LRN (Loan Recovery Notice) through multiple channels
including email, SMS, Verified WhatsApp Business Account and registered post in vernacular languages.
e. Finally, SCCSPL delegates the recovery to its network of field agents who will first visit the borrower at the place of their choice, and in the absence of any specified choice of place, at the place of
their residence and if unavailable at residence, at the place of business/occupation/ identified place of work. Such personal visits shall ideally be from 8.00 am to 7.00 pm. It is ensured that the
external collection partners are compliant with RBI guidelines and recommendations and follow best industry practice. In case of personal visits, identity and authority of persons making such visits
for follow up and recovery would be made known to the obligors at the first instance. All collection agents will be required to follow a code of conduct covering their dealings with the borrowers. All
the practices adopted for follow up and recovery of dues and enforcement of security will be in consonance with applicable laws. In addition to the foregoing, recovery proceedings may be initiated
in accordance with applicable laws.
 SI Creva Capital Services Private Limited
Registered Office: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai, Maharashtra 400070.
CIN: U65923MH2015PTC266425 | Email: [email protected] | https://sicrevacapital.com