Borrower Name: SURYA PRAKASH

Date of Application: 18-Aug-2021

CHAURASIYA

Current Address of the Borrower:

Mobile Number:
9 III T-35 JE HOSTEL OBRA SONBHADRA SONBHADRA
7985791238
Sonbhadra UP 231219 SONBHADRA Uttar Pradesh 231219

Email address of the Borrower:

suryaprksh02@gmail.com

PAN number: AOXPC7212D

ADITYA BIRLA FINANCE LIMITED:

CIN: U65990GJ1991PLC064603
Registered Office Address: Indian Rayon Compound,
Veraval, Gujarat 362 266
Corporate Office Address: One Indiabulls Centre,
Tower 1, 18th Floor, Jupiter Mill Compound 841, Senapati Bapat Marg,
Elphinstone Road, Mumbai 400 013

PLEASE READ THESE LOAN TERMS AND CONDITIONS CAREFULLY

This 'Line of Credit' facility ("Postpaid Facility") is offered by Aditya Birla Finance Limited (ABFL), a company
registered under the Companies Act 1956 having its registered office at Indian Rayon Compound, Veraval,
Gujarat 362266 and Corporate Office Address One IndiabullsCentre,Tower 1, 18th Floor, Jupiter Mill
Compound 841, SenapatiBapat Marg, Elphinstone Road, Mumbai 400013 and shall include its successors and
assigns (hereinafter referred to as "Lender") on Paytm's platform operated by One97 Communications Limited
("OCL") ("Paytm Platform"). By utilizing the Postpaid Facility, you agree to be bound by these terms and
conditions provided by the Lender. These terms and conditions pertaining to the Postpaid Facility are subject to
change from time to time, at the sole discretion of the Lender, with prior notice to You, which shall be applicable
with prospective effect. If you do not agree with these terms and conditions, please do not utilize or cease utilizing
the Postpaid Facility. Important capitalized terms used herein are defined below in the Most Important Terms
and Conditions (MITC).

MOST IMPORTANT TERMS AND CONDITIONS (MITC)

S.No Particulars Details

1. Loan Type Line of Credit

2. Loan Amount Rs. 500

 The Postpaid Facility can be only used to make online/offline INR
3. Loan Purpose denominated purchases from select merchant websites or outlets which are
enabled to receive payments by using the Paytm Platform.

4. Cash Withdrawal No cash withdrawals are allowed under the Postpaid Facility

5. Postpaid Validity Maximum 12 months

6. Rate of Interest 0%

Convenience Convenience charge of 3.0%+GST will be applicable on total spends done in

7.
Charge a calendar month using the Postpaid Facility.

Multiple utilizations from the Postpaid Facility permissible, up till the

8. Utilization
stipulated Due Date and uptill the Loan Amount sanctioned to the Borrower.

Tenor / Due 7th day of each calendar month or such other date which may be informed in
9.
Date(s) the Statement of Account from time to time.

Outstanding Amount Late fees (per month)

Upto Rs. 100 Rs. 0

Rs. 101 to Rs. 250 Rs. 10

Rs. 251 to Rs. 500 Rs. 25

Default fees in
case of late Rs. 501 to Rs. 1000 Rs. 50
10.
payment “Late Rs. 1001 to Rs. 2000 Rs. 100
fees”)
Rs. 2001 to Rs. 5000 Rs. 250

Rs. 5001 and above Rs. 500

The Late Fees are inclusive of applicable taxes

Late Fees are subject to revision

In case the Borrower has set the Postpaid Facility as the preferred payment
Payment method or in case of Paytm Wallet balance being insufficient while making a
11.
Preference transaction, money will be deducted from the available/ unutilized spend
limit of the Postpaid Facility first.

The Borrower shall be provided with a monthly statement on the 1st of every
month for all utilizations made from the Postpaid Facility in the preceding
Statement of
12. calendar month and the Outstanding Amount payable on the Due Date. The
Account
Statement of Account will be available on the Paytm Platform and sent to the
email-ID of the Borrower if the same is valid and provided to Lender.

13. Postpaid Variant Postpaid Mini

IMPORTANT: THE ABOVE MITC IS SUBJECT TO AND SHALL BE READ IN

CONJUNCTION WITH THE LOAN AGREEMENT TERMS AS STATED BELOW
 Terms and Condition of the Postpaid Facility ("Terms")

Capitalized terms used but not defined below shall have the meanings ascribed to them in the MITC and these
Terms.

General: : These Terms and the MITC shall be binding upon acceptance by you, the Borrower. For the purpose of these
Terms and the MITC, ADITYA BIRLA FINANCE LTD shall be referred to as "LENDER"and you shall be referred
to as “You” or the "Borrower". The Borrower and LENDER shall collectively be referred to as "Parties". Parties
hereby agree as follows:

Loan and Utilization of the Postpaid Facility

1. Loan: The Postpaid Facility is offered by LENDER and shall be granted to the Borrower as a Line of Credit loan at
such interest rate as is mentioned in the MITC in response to the request made by the Borrower and subject to
LENDER's credit appraisal.

2. Utilization of the Postpaid Facility: The Borrower shall be permitted to use the Postpaid Facility for purchase of
products and/ or services offered by specified merchant(s) websites or outlets using the Paytm Platform ("Partner
Merchant") for such amounts as may be determined and decided by LENDER in its sole & independent decision, not
exceeding a monthly credit of INR 1,00,000/- (Rupees One Lakh Only) . In order to utilise the facility, the Borrower
should be having an account on the Paytm Platform and shall have to select/activate the option to utilize the Postpaid
Facility to purchase the products and/ or services from the Partner Merchant. The Borrower authorises LENDER to
disburse amounts from the Postpaid Facility to the designated account of OCL (or its affiliates) for onward settlement
with Partner Merchant for the purchase. LENDER sanctions a certain facility limit to borrower, however, the ‘line of
credit’ available for use by borrower, may vary basis various factors such as borrower’s credit assessment, loan
application, timely repayment etc. to OCL and LENDER. Accordingly OCL reserves right to increase or decrease the
line of credit available to borrower, from time to time, depending on these factors. However, for ABFL it will be treated
as a facility of complete sanction amount and will use this amount for all internal / financial / statutory / regulatory
reporting including, but not limited to, Credit Information Companies.

3. Blocking the Facility and Disclaimers: In case of any defect, cancellation, delay in delivery of the goods or services,
for which the Postpaid Facility is utilized, the Borrower shall promptly take up the matter with the seller, manufacturer,
as applicable. In case of any theft, loss, misuse or damage to any device of the Borrower on which the Paytm Platform
and the Postpaid Facility is being utilized, the Borrower shall promptly take up the matter with the law enforcement
agencies. The Borrower may also place a request on the Paytm Platform for blocking further utilizations from the
Postpaid Facility and/ or call on the customer care on the 24x7 Help Section that may be provided on the Paytm
Platform. The Borrower agrees and confirms that LENDER will not be liable whatsoever in connection with products or
services for which the Postpaid Facility is utilized. Borrower shall continue to be obligated for any outstanding payments
due under these Terms. In case of loss/theft/misuse/damage of the phone or laptop or other electronic device on which
the Postpaid Facility is being used by the Borrower, the Borrower must report such incident immediately to LENDER
upon which LENDER shall suspend the Postpaid Facility. The Borrowers are advised to file a complaint with the local
police station so that the Borrower can produce its copy whenever requested by the customer care executive. The
Borrowers shall be primarily responsible for the security of the phone or laptop or other electronic device on which the
Postpaid Facility is being used including theft and for the transactions done using the Borrower's phone or laptop or
other electronic device. In case of any dispute relating to the time of reporting such loss/ theft/damage and/or
transactions made through the Postpaid Facility post reporting of the loss/theft/damage /misuse, LENDER reserves the
right to ascertain such time and/or the authenticity of the disputed transactions. LENDER reserves the right to block the
Postpaid Facility on suspected risk of compromise in order to protect the interest of the Borrowers.

Repayment
4. Statement of Account: The Borrowers shall pay the Outstanding Amount as per the Statement of Account generated
on a monthly basis for all utilizations made under the Postpaid Facility in the preceding calendar month. However, there
may be no Statement of Account generated for a month in which no utilization has been made. The Statement of
Account will be available on the Paytm Platform and also on email, if the correct email ID has been provided to
LENDER.

5. Repayments and the Due Date: The entire Outstanding Amounts under Postpaid Facility shall be repaid by the
Borrower on or before the respective Due Date(s) (as specified in the MITC). For the purpose of these Terms and the
MITC, "Outstanding Amount" is defined as the aggregate of all amounts utilized from the Postpaid Facility in a given
month, Late Fees (if any), and all other amounts payable by the Borrower under these Terms. The Outstanding Amount
shall be paid in full on or before the Due Date. LENDER may provide the Borrower an option to convert the Outstanding
Amount into EMIs and repay the same at such rate of interest and tenures as approved by LENDER in its sole discretion.

6. Repayment Instrument: The Borrower shall have the option to repay the Outstanding Amount through IMPS,
NEFT, debit card, internet banking, UPI. The Borrower also agrees to execute/repay through NACH/ ECS instruments or
such other payment instruments or modes, including but not limited to standing instructions, in favour of the LENDER
as may be permitted by applicable law, to enable the collection of the Outstanding Amounts. Any activation failure/
dishonor of the afore-stated repayment instruments will attract applicable charges as may be informed by the Lender
from time to time.

Cancellation of Postpaid Facility

7. Cancellation of Postpaid Facility: Notwithstanding anything contained in these Terms, LENDER shall be entitled to
unconditionally cancel: (1) any unutilized portion of the Postpaid Facility, or (2) whole or part of the Postpaid Facility, at
any time during the tenure of the Postpaid Facility, for any reason whatsoever. The Postpaid Facility shall be cancelled if
the Borrower ceases to have an active account on the Paytm Platform. The Borrower however shall be responsible to
promptly repay the Outstanding Amounts.

8. Borrower's Request for cancellation: The Borrower may at any time choose to cancel the Postpaid Facility by
giving a prior notice on the 24 x 7 Help Section of the Paytm Platform. Provided the Postpaid Facility shall be
cancelled/closed/ suspended only after all Outstanding Amounts and any other amount due upon the Borrower under
these Terms have been cleared by the Borrower.

Representations and Warranties

9. Borrower's Representations & Warranties: The Borrower represents, warrants and acknowledges (a) it is a citizen
and a person resident in India, (b) all information furnished in respect of the Postpaid Facility are correct and the
Borrower is a major, of sound mind and competent to contract; (c) that the Borrower has the authority to enter into and
perform its obligations under these Terms; (d) to furnish all information of its finances and business as is required by the
LENDER; (e) it is not a party to any litigation and to the best of its knowledge, no act(s) or omission(s) has been
committed that may give rise to any litigation which shall have an impact on the Postpaid Facility; (f) that all repayments
shall be in compliance of all applicable laws; (g) shall utilize the Postpaid Facility for the purpose mentioned herein.

Event of Default and Remedies of LENDER

10. Event of Default: An "Event of Default" shall occur upon: (a) non-payment of Outstanding Amounts on the Due
Dates; (b) breach or non-performance of any representation, warranty, covenant, undertaking or these Terms; (c) any
change in the information furnished by the Borrower, if deemed material by LENDER in relation to the Postpaid
Facility; or (d) default by the Borrower in relation to any debt towards any other creditors.

11. Consequences of Default and Remedies of LENDER: On the occurrence of any Event of Default the Lender may
exercise any or all of the following rights: (a) terminate/block the Postpaid Facility and/ or declare the Outstanding
Amounts to become immediately due and payable; (b) levy Late Fees as is mentioned in the MITC; (c) report the
Borrower as a defaulter to RBI, credit bureau agencies authorized by law, and such other bodies duly authorized in this
regard; (d) invoke any payment instruments such as cheque/ NACH, if any obtained from the Borrower; (e) block access
by the Borrower to Paytm Platform by issuing suitable instructions in this regard; or (f) exercise any other rights or
remedies available to LENDER under applicable law

Other Loan Conditions

12. Cancellation, Transaction Failure and Refunds vis-à-vis s Partner Merchants: LENDER shall not be liable for
failure of any transaction undertaken on Paytm Platform for any reason whatsoever including technical errors on Paytm
Platform. The Borrower further acknowledges that LENDER shall not be responsible, in any manner whatsoever, for any
loss incurred for a failed / incomplete transaction undertaken by the Borrower using the Postpaid Facility. In the event of
cancellation or refunds in relation to a transaction undertaken by the Borrower where payment was made by utilizing the
Postpaid Facility, the Borrower shall continue to be liable for paying the Outstanding Amount to LENDER as per the
Due Date(s). However, if due to such a cancellation or refund the amounts are repaid by the Partner Merchants to
LENDER, LENDER shall reconcile and adjust the amounts in the Outstanding Amounts.

13. Appointment of Agents: The Borrower understands and agrees that LENDER may appoint agents for purpose of
and effective enjoyment of the Postpaid Facility. For purpose of the same, LENDER may outsource its activities under
these Terms to one or more service providers for the purpose of collecting KYC information, document collection and
other services related to the Postpaid Facility.

14. Taxes and duties: The Borrower shall pay all such present and future taxes, stamp duties, and other costs as may be
applicable on the Postpaid Facility

15. Notices/Grievances: Any notice under these Terms must be in writing and shall be deemed to be received (a) on
delivery, when delivered personally, and when sent from/ to the registered email id unless 'delivery failure notification' is
received by the sender; (b) on the 3rd (third) day post-dispatch, when sent by registered post at the registered/ current
address, postage prepaid. For the LENDER, registered email id shall be “care.digitalfinance@adityabirlacapital.com"
and office address shall be One Indiabulls Centre, Tower 1, 18th Floor, Jupiter Mill Compound 841, Senapati Bapat
Marg, Elphinstone Road, Mumbai 400013, addressed to Ms Preethi Nair (GRT) at given address. For more information
on grievance redressal borrower can visit: www.abfldirect.com.

16. Assignment: The Borrower shall not be permitted to assign any of its rights and obligations under these Terms.
LENDER shall however be entitled and has the right to assign its rights and obligations under these Terms. LENDER
shall not require approval or consent of any nature from the Borrower.

17. Disclosure: The Borrower consents for the disclosure by LENDER of any information relating to the Borrower and
the Postpaid Facility, as the LENDER may deem appropriate to the RBI, credit bureaus, third-parties to whom sharing of
information is necessary for the Postpaid Facility, potential assignees and any other person as per law

18. Waiver: The Parties agree that any delay or omission by LENDER in exercising any of its rights under these Terms
shall not be construed as waiver. LENDER has the sole discretion to waive any fee/ interest /commission in relation to
the Postpaid Facility

19. Amendment: Subject to applicable laws, LENDER shall have the sole discretion to amend any terms of these Terms
and MITC, which shall be prospectively binding on the Borrower. Notwithstanding anything to the contrary contained
herein, LENDER shall in its sole discretion, revise any terms and condition, including but not limited to the Late Fee, at
any time, provided any such change shall be within the purview of the applicable guidelines issued by the RBI from time
to time. Such revisions in the terms and conditions, including but not limited to the Late Fee, shall be duly notified to the
Borrower by way of mobile messages, emails and/ or may be made available on the website of LENDER or through
such other means as may be determined by LENDER. The Borrower agrees that any notification on the website or by
way of any other physical or electronic means shall deemed to be sufficient notice for the applicability of the revised
terms and conditions. Thereafter, notwithstanding anything else contained in these Terms or the MITC, the revised terms
and conditions varied as aforesaid shall be applicable from the effective date as specified in the said notification
irrespective of the date when the Borrower(s) received the communication.

20. Governing Law: These Terms shall be governed in accordance with Indian laws and the Parties shall be subject to
the exclusive jurisdiction of the courts at Mumbai, India. LENDER in addition shall have the right to file criminal
complaint/FIR against the Borrower and/ or resort to other rights available under law

Explicit Consents and Declarations

I, the Borrower, hereby explicitly declare that “Aditya Birla Finance Limited” shall have the right to disclose and share
any personal and financial information pertaining to myself and the Postpaid Facility, with (i) other bank(s)/ financial
institution(s)/Credit bureaus; (ii) any agent, contractor, third party service provider; (iii) any assignee of “Aditya Birla
Finance Limited”, solely for the purpose of evaluating my creditworthiness for granting the Postpaid Faciltiy herein or
as per any regulatory requirement. I also give my consent and authorize ABFL to disburse any money within the
sanction limit under the arrangement with OCL and OCL shall remit such amount to the respective Merchant. For
avoidance of doubt, it is made clear that any such payment of monies to OCL by LENDER shall make the disbursement
complete irrespective of the fact that whether OCL transfers such money to Merchant or not and I shall be liable to repay
such money to ABFL. ABFL shall use, process, store the personal and financial information and data disclosed, solely
for granting the current loan facility and/ or in such other manner as per any regulatory requirement.

I, the Borrower, hereby explicitly agree that a copy of these Terms shall be sent to my registered e-mail id for my record,
which shall bear the date, time of my acceptance of the agreement, as is captured on the Paytm Platform.

By Clicking on "I Accept", I hereby execute and electronically accept/sign and agree to be bound by all the Postpaid
Facility terms.

SURYA PRAKASH CHAURASIYA ADITYA BIRLA FINANCE LIMITED:

(Customer Name) CIN: U65990GJ1991PLC064603
Registered Office Address: Indian Rayon
2021-08-18 13:36:19.0 Compound,
(Acceptance Date and Time) Veraval, Gujarat 362 266

49.34.119.148
(Customer IP)