TERMS AND CONDITIONS FOR SERVICE PROVIDERS

UPON CLICKING THE 'I AGREE', THE SERVICE PROVIDER WOULD HAVE DEEMED TO HAVE READ, REVIEWED, AND
UNDERSTOOD ALL THE TERMS AND CONDITIONS PROVIDED HEREIN (" TERMS ") AND THE SERVICE PROVIDER SHALL
BE FULLY RESPONSIBLE TO ABIDE BY THE TERMS AND CONDITIONS OF THESE TERMS. IF YOU DO NOT AGREE WITH
ANY OF THESE THE TERMS AND CONDITIONS OF THESE TERMS, PLEASE DO NOT CLICK ON THE ' I AGREE ' BUTTON.

These Terms shall govern the arrangement between the Service Provider , which shall mean and include such person (natural or juridical)
specifically identified in the Application Form and shall further deem to include its authorized representatives, heirs, its successors, and
permitted assigns; AND Lendingkart Finance Limited , with a corporate identification number being U65910MH1996PLC258722, a
company within the meaning of Companies Act, 2013 and a non-banking financial company within the meaning of the Reserve Bank of
India Act, 1934 and having its registered office at A-303/304, Citi Point, Andheri – Kurla Road, Andheri (East), Mumbai – 400 059,
Maharashtra and having its corporate office at 6th Floor, B Block, The First, The First Avenue Road, Behind Keshavbaug Party Plot,
Vastrapur, Ahmedabad – 380 015 (hereinafter referred to as the " Company ", which expression shall unless excluded by or repugnant to the
subject or context, be deemed to include its successors and assigns).

1. Definition

In these Terms unless the context otherwise so requires, the following expressions shall have the meanings as set out against each
of it:

1.1 " Application Form " shall mean the form duly filled by Service Provider in order to provide Services to the Company;

1.2 " Business Day(s) " means a day (other than a Saturday, Sunday or a bank holiday) on which scheduled commercial banks
are open for business in Gujarat;

1.3 " Customer " means any person (natural or juridical) referred by the Service Provider for purpose of availing a products
and/ or Services of the Company and/or third party product and services offered by the Company;

1.4 " Code of Conduct " shall mean the document issued by the Company to the Service Provider for compliance with basic
standards and decorum to be maintained in dealing with the Loans and other products and services of the Company.

1.5 " Confidential Information " shall mean all information, whether in physical or electronic form, that relates to the
business, affairs, Customer, Loan, Personal Data, developments, trade secrets, know how, personnel, , suppliers, of either party
that has been designated as 'confidential information' by a party or disclosed under circumstances sufficient to place the recipient
on reasonable notice of the confidentiality of the information, together with all information derived from the foregoing, but
excluding any information (i) independently developed by the receiving party, (ii) publicly disclosed by an entity other than the
receiving party under no duty of confidentiality or (iii) already in the possession of the receiving party prior to the receipt of such
information. Confidential Information shall not include information that: was generally available to the public or otherwise part
of the public domain at the time of its disclosure to the receiving party; became generally available to the public or otherwise part
of the public domain after its disclosure and other than through any act or omission of the receiving party in breach of these
Terms; or was subsequently lawfully disclosed to the receiving party by a person other than a party hereto.

1.6 " Control ", " Controlling ", and " Controlled ", means (a) the possession, directly or indirectly, of the power to direct or
cause the direction of the management and policies of such Person, whether through the ownership of more than 50% (fifty
percent) of the securities of such Person or voting rights in respect of such securities, by agreement or otherwise, or (b) the power
to elect more than half of the directors, partners or other individuals exercising similar authority with respect to such Person;
1.7 " Data " means the data or information relating to the Customers or the Company (including Personal Data) provided to /
obtained by the Service Provider and/or its affiliates under these Terms or in delivery of Services;

1.8 " Data Protection Laws " means the legislation and regulations relating to the protection of Personal Data and processing,
storage, usage, collection and/or application of Personal Data or privacy of an individual including without limitation (a)
Information Technology Act, 2000 (as amended from time to time), including the Information Technology (Reasonable Security
Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011 (" Privacy Rules ") and any other applicable
rules framed thereunder; (b) all other applicable industry guidelines (whether statutory or non-statutory) or codes of conduct
relating to the protection of Personal Data and processing, storage, usage, collection and/or application of Personal Data or
privacy of an individual issued by any regulator to any of the Parties; and (c) any other applicable law solely relating to the
protection of Personal Data and processing, storage, usage, collection and/or application of Personal Data or privacy of an
individual.

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
 1.9 " Governmental Authority " means any national, state, local or similar governmental, regulatory or administrative
authority, branch, agency, any statutory body or commission or any non-governmental regulatory or administrative authority,
body or other organisation to the extent that the rules, regulations and standards, requirements, procedures or orders of such
authority, body or other organisation have the force of law or any court, tribunal, arbitral or judicial body of Republic of India, or
any other country;

1.10 " Invoice " shall mean document raised by the Service Provider for payment of the Service Fee by the Company which
captures, details of Services rendered, applicable taxes, PAN / GST registration numbers, account details for transfer of payment,
etc., in the format provided by the Company.

1.11 " KYC " shall mean know your customer and comprises of identity proof, residential proof and/ or any other document, as
may be required by the Company pursuant to RBI guidelines and/ or its policy;

1.12 " Law " means all applicable laws of India, as amended from time to time, and includes all: (i) constitutions, treaties,
statutes, laws (including the common law), codes, rules, regulations, ordinances or orders of any Governmental Authority; (ii)
approvals from any Governmental Authority; and (iii) orders, decisions, injunctions, judgments, awards and decrees of or
agreements with any Governmental Authority, or any condition or term imposed pursuant to any condition or term imposed
pursuant to any approvals from any Governmental Authority;

1.13 " Loan Documents " means the documents (a) submitted by the Customer for purpose of KYC check and credit appraisal
documents as per the applicable standards of the Company; (b) duly executed, accepted and/ or agreed upon by the Customer,
including but not limited to the consents, Application Form, vernacular language declaration, loan summary/sanction letter,
promissory notes, ECS, NACH mandate form, loan agreement, or such other document as may be required by the Company to be
executed, accepted and/ or agreed upon by the Customer from time to time.

1.14 " Payment Terms " shall collectively mean and comprise of the terms referred in Clause 5 5.2 of these Terms and annexed
herewith as Schedule II..

1.15 " Personal Data " shall mean any information that relates to a natural person, which, either directly or indirectly, in
combination with other information available or likely to be available with a body corporate, is capable of identifying such person
and includes name, address, date of birth, phone numbers and 'Sensitive Personal Data' as defined in the Privacy Rules.

1.16 " Policy(ies) and Process(es)" shall mean Code of Conduct, information security policy, business continuity, eligibility
criteria, risk appraisal, privacy policy, terms of use, record retention policy, Customer service process /policy, process of
verification/ authentication or execution of Loan Documents and/ or such other information / document issued by the Company to
the Service Provider for compliance / implementation (including amendments thereof);

1.17 " Portal " shall mean the website and/or mobile application through which Service Provider may submit the Application
Form to the Company, access these Terms and carry out permitted activities as a registered user/ partner;

1.18 " RBI " shall mean reserve bank of India.

1.19 " Relatives " shall have the meaning ascribed to it under the Companies Act, 2013 and the rules made thereunder;

1.20 " Service Fee " shall mean the fee agreed to be paid by the Company to the Service Provider for rendering the Services,
duly intimated and/ or made available to the Service Provider through the Portal.

2. Interpretation. In these Terms, all headings, clauses, and paragraphs are for ease of reference only and shall not form part of
the operative provisions of these Terms and shall be ignored in construction or interpretation of these Terms. Any reference to an (a)
agreement or document, and (b) legislation or a statutory provision includes amended, replaced, varied, versions thereof. The (i)
Service Fee Schedule; (ii) Scope of Work; (ii) List of Documents along with Application Form; (iv) Information Security
Policy (v) Code of Conduct (vi) Policies and Processes, are an integral part of these Terms and shall have the same force and
effect as if they were expressly set out in the main body of these Terms .

3. Appointment. Subject to the terms and conditions in these Terms, the Company hereby appoints the Service Provider to
provide the Services (as detailed in clause 4 below) to the Company and the Service Provider accepts the said appointment and agrees
to render the Services to the Company pursuant to these Terms. Notwithstanding anything contained herein, nothing shall restrict the
right of the Company to appoint any other Service Provider in relation to similar Services on similar or on any other terms and
conditions as the Company may deem fit and proper, which terms and conditions may be at variance with the terms and conditions
contained herein.

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
4. SERVICES. THE SERVICE PROVIDER AGREES TO PROVIDE SERVICES TO THE COMPANY IN ACCORDANCE
WITH SCHEDULE OF SCOPE OF WORK PROVIDED TO THE SERVICE PROVIDER (" SCOPE OF WORK "), ("
SERVICES ") AS PROVIDED HEREIN AS SCHEDULE III. THE SERVICE PROVIDER AGREES TO FULFIL ITS
RESPONSIBILITIES WITH RESPECT TO THE DELIVERABLES LISTED AGAINST EACH SERVICE IN THE SCOPE OF
WORK. THE SERVICE PROVIDER AGREES TO PROVIDE SUCH OTHER ANCILLARY OR RELATED ACTIVITIES AS
ARE PRUDENT TO THE DELIVERY OF SERVICES. THE PARTIES AGREE THAT ANY CHANGE/ AMENDMENT TO THE
SCOPE OF WORK SHALL BE MUTUALLY AGREED IN WRITING (WHETHER ELECTRONIC OR OTHERWISE).

5. SERVICE FEE AND PAYMENT TERMS

5.1 Service Fee. The Service Provider shall be entitled to such fees as has been mutually agreed with the Company The Company
shall entitled to change the Service Fee during the tenure of these Terms subject to sending reasonable notice prior to such change in
Service Fee. The Company shall intimate the Service Provider on incentives and performance-based fees from time to time through
the Portal and/ or any other mode of communication to the Service Provider.

5.2 Payment Terms . The Service Fee will be paid by the Company subject to the Service Provider raising a valid Invoice based on
payment schedule to these Terms, for payment on monthly basis, unless agreed otherwise in payment schedule.

5.3 Disputed Invoice. The Company may dispute any Invoice payment subject to;

5.3.1 the Company shall provide a description of the Invoice in dispute and an explanation of the reason why the Company
disputes such Invoice (" Notice of Disputed Invoice ").

5.3.2 Upon receipt of the Company's Notice of Disputed Invoice, the Service Provider will send a modified Invoice to the
Company if required or as maybe mutually agreed pursuant to the resolution between the Parties. In the event that the dispute
is resolved, and a modified Invoice is not required to be raised, the Company shall make payment for the Services. In the
event that the Parties agree that a modified Invoice is required, the Company shall pay the Invoice.

5.3.3 Each Party agrees to continue performing its obligations under these Terms while any dispute is being resolved. In the
event that Parties are unable to resolve the dispute, the Parties shall resort to Escalation (clause 25.3 of these Terms) prior to
initiating any formal proceedings of Arbitration (clause 25.5 of these Terms).

5.3.4 Neither the failure to dispute any Invoice payment prior to payment nor the failure to withhold any amount shall
constitute, operate or be construed as a waiver of any right the Company may otherwise have to dispute any Invoice payment
or recover any amount previously paid.

6. TAXES

6.1 All taxes and other charges in relation to the Services shall be borne by the Service Provider.

6.2 The Service Provider undertakes to timely Invoice the fee and other charges, if any and undertakes to complete related tax and
other compliance.

6.3 The Company shall deduct TDS on the Invoice.

6.4 The Service Provider agrees, guarantees and undertakes to pay the requisite amount of GST within the prescribed time period;
and to file requisite returns within the prescribed time period.

6.5 In the event of any error(s) in credit, non-payment of tax, non-filing of return(s), etc. by the Service Provider as a result of
which the Company would not be able to avail the credit of or required to reverse the availed credit, in such event(s) the Company
shall have a right to withhold, set-off or to recover any such loss of tax credit from the payments to be made to the Service Provider
under these Terms.

7. REPRESENTATIONS AND WARRANTIES

Each of the representations and warranties shall continue to remain true during the entire Term of these Terms. The Service
Provider represents and warrants to the Company as follows:

7.1 THAT IT HAS THE AUTHORITY, SKILL, EXPERIENCE, AND RESOURCES TO RENDER SERVICES HEREUNDER
AND SHALL SO RENDER THE SERVICES IN COMPLIANCE WITH ALL APPLICABLE LAWS AND REGULATIONS.

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
7.2 that it is duly organized, validly existing, and in good standing under the Laws of India and has full power and authority to enter
into these Terms and to perform its obligations under these Terms.

7.3 that it has obtained all necessary licenses, permissions, registrations (as applicable) to provide the Service, including but not
limited to the Shops and Establishment Act, for all its office locations and the GST registration. In addition, the Service Provider
shall make necessary nominations under the Payment of Gratuity Act, 1972, Employees Provident Fund and Miscellaneous
Provisions Act, 1952, Employee State Insurance Act, 1948, etc. for all its employees with the necessary authorities.

7.4 that it has complied and shall comply with all applicable anti- bribery Laws and regulations, including without limitation, the U.
S. Foreign Corrupt Practices Act, UK Bribery Act, etc.

7.5 that no case of Central Bureau of Investigation (CBI) or any other Law enforcement agency, whether civil or criminal, in any
capacity, is pending against it, and the Service Provider is physically fit and lawfully entitled to carry out its duties in their capacity.

7.6 that it has not been delisted/blacklisted from any other bank/ financial institutions/ insurance companies or any other
professional body/company/firm for any misconduct.

7.7 it is not owned or Controlled by any director or officer/ employee of the Company or their Relatives. Further, the Service
Provider's or its proprietor/partners/director(s) is/are not a member of the board of any commercial/cooperative bank registered and
/or operative in India.

7.8 THAT THE SERVICE PROVIDER SHALL ADHERE TO THE POLICY(IES) AND PROCESS(ES) SHARED BY THE
COMPANY FROM TIME TO TIME. That the Company may update the Policy(ies) And Process(es) by uploading revised Policy
(ies) And Process(es) on the Portal, the Service Provider undertakes to keep itself updated, at all times.

7.9 that it has a record retention policy in place for physical and electronic records and undertakes to maintain and preserve all such
books, documents, papers, electronic records, etc., as may be required in terms of the statutory provisions.

7.10 that it has provided adequate training and conducted a due diligence of its personnel employed/engaged by the Service
Provider for carrying out the services for the Company in pursuance of these Terms and has evaluated them on various parameters,
including but not limited to the parameters such as education qualification check, reference check, previous work experience
records, behaviour check, background check etc., its personnel are suitable and eligible to provide the Services.

8. COVENANTS AND UNDERTAKINGS

The Service Provider hereby agrees to the following:

8.1 THAT IT SHALL MAINTAIN THE HIGHEST DEGREE OF PROBITY, DISCRETION, AND COMPETENCE IN ITS
DEALINGS AND SHALL USE ITS BEST ENDEAVOURS TO SOURCE CUSTOMERS FOR THE COMPANY.

8.2 that it shall obtain all necessary permissions/consents/approvals from the Customers for obtaining Credit score from CIBIL/
credit information companies, consent for disclosing and sharing information and any other approval/consent, in relation to the Loan
for purpose of providing the Services.

8.3 that it shall not modify or compromise the Loan Documents, in any manner and all details set out in the Loan Documents are
true, correct on and are on 'as is' basis. It further warrants that the signatures therein have been duly affixed by the Customer in the
presence of the Service Provider.

8.4 THAT IT HAS ADEQUATE INSURANCE, RISK MANAGEMENT SYSTEMS, CONTINGENCY PLANS AND BACKUP
SYSTEM IN PLACE TO ENSURE THAT IT MAY CONTINUE TO PROVIDE UNINTERRUPTED PERFORMANCE OF ITS
OBLIGATIONS UNDER THESE TERMS CONSISTENT WITH THE STANDARDS AGREED HERETO;

8.5 that the Services shall be rendered in a prompt, diligent and efficient manner is extremely integral to these Terms and therefore
shall ensure due process and manpower is in place as may be required to provide the Services;

8.6 THAT IT SHALL, AT ALL TIMES, BE COMPLIANT WITH ALL THE APPLICABLE LAWS INCLUDING BUT NOT
LIMITED TO REGULATIONS NOTIFIED BY RBI, THE TELECOM REGULATORY AUTHORITY OF INDIA FROM TIME
TO TIME;

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
8.7 that it undertakes that it shall ensure that all visiting cards of the Service Provider Personnel shall mention the name/ entity of the
Service Provider and their designation/ nature of work in clear and legible manner. The requirements of this clause shall, so far as the
engagement of non-employees by the Service Provider is concerned, be applicable in like manner as it would have applied in the
context of its Service Provider Personnel.

8.8 that it undertakes to promptly notify the Company on becoming aware: (a) that it may not be able to perform its obligations in
accordance with these Terms; or (b) of any development that may have a material impact on its ability to perform its obligations in
accordance with these Terms including the possibility of loss of any authorization, license and/ or permission that it requires under
the applicable Laws to perform its obligations.

8.9 that it shall comply all applicable Laws in relation to the 'National Do Not Call Registry'. The Service Provider should have a
valid Registration Certificate from the Department of Telecommunications (" DoT ") or any other agency as authorized by the DoT.

8.10 that it has appropriate mechanisms and means to ensure adequate precautions to protect the privacy and confidentiality of all
data pertaining to the Company, the Customers, any other third party in relation to these Terms or the Services and shall take
appropriate precautions not to breach the privacy of the Company, the Customers, or any third party during the course of performance
of its obligations herein.

8.11 that it hereby acknowledges that the Company may in its sole discretion refuse or reject the application of any Customer
without assigning any reason and shall not be liable in any manner. The Service Provider undertakes to ensure it shall not make any
commitments or assurance to any Customer on grant of Loan on behalf of the Company ;

8.12 that it shall submit such reports as may be specified by the Company from time to time;

8.13 that it shall follow at all stages, proper accounting, reporting, and control procedure, including keeping all financial and non-
financial records accurate, up to date and complete as per the applicable Laws.

8.14 that it shall provide periodic training to its Service Provider Personnel for the purpose of providing Services under these Terms.

8.15 THAT IT SHALL TAKE NO ACTION IN ANY MANNER THAT MAY DAMAGE THE INTEGRITY AND REPUTATION
OF THE COMPANY. The Service Provider shall have no power or authority to bind the Company in any manner or take any actions
that are contrary to those mentioned in these Terms. The Service Provider shall have no power to make representations, warranties,
promises, agreements or commitments for or on behalf of the Company;

8.16 that it covenants that it shall not enter into any agreement or collude with the Customer in any manner or submit false or
fraudulent documents in order to get any Loan approved by the Company and shall procure applications from the Customer that fall
within the eligibility criteria of the Company and shall not discriminate in any manner against any Customer;

8.17 that it shall not charge any fee or other remuneration from any Customer in order to get the Loan approved from the Company;

8.18 that it shall not use any of the Company's trade name, trade mark, symbol, logo, or the word "Lendingkart" either individually
or in conjunction or any other name(s) used by the Company, on any stationery, letterhead, name board or otherwise, except to the
extent and in the form and manner approved by the Company in writing;

8.19 that the Service Provider and its representatives shall avoid any conflict of interest with the Company and misuse of the
Company resources, in each and every act done by the Service Provider.

9. CONFIDENTIALITY AND DATA PROTECTION

9.1 THE SERVICE PROVIDER SHALL IMPLEMENT ADEQUATE SAFEGUARDS, TECHNICAL MEASURES AND AN
INFORMATION SECURITY PLAN IN ACCORDANCE WITH GOOD INDUSTRY PRACTICE AND AS REASONABLY
REQUIRED BY THE COMPANY (INCLUDING BY WAY ENCRYPTING ALL SUCH DATA UNDER THESE TERMS TO
PROTECT THE CONFIDENTIAL INFORMATION, THE COMPANY'S INTELLECTUAL PROPERTY, CUSTOMER DATA
(DIGITAL OR PHYSICAL) AND THE FLOW OF DATA UNDER THESE TERMS AGAINST UNAUTHORIZED OR
UNLAWFUL PROCESSING, ACCIDENTAL LOSS, DISCLOSURE, DAMAGE, OR ALTERATION. ANY BREACHES IN THIS
REGARD SHALL BE PROMPTLY REPORTED TO THE COMPANY .

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
9.2 THE SERVICE PROVIDER SHALL ENSURE THAT THE COMPANY'S INFORMATION, DOCUMENTS, RECORDS AND
ASSETS UNDER THESE TERMS IS RING-FENCED AND NOT COMINGLED WITH THE INFORMATION, DOCUMENTS,
RECORDS AND ASSETS OF OTHER FINANCIAL INSTITUTIONS TO ENSURE THAT THAT CONFIDENTIALITY AND
SECURITY IS MAINTAINED.

9.3 THE COMPANY HEREBY AGREES TO MAINTAIN CONFIDENTIALITY OF THE CONFIDENTIAL INFORMATION
AND TO UNDERTAKE SUCH MEASURES AS IT WOULD TAKE FOR PROTECTION OF ITS OWN CONFIDENTIAL
INFORMATION.

9.4 THE SERVICE PROVIDER SHALL (A) PROVIDE ACCESS OF CUSTOMER DATA (DIGITAL OR PHYSICAL) TO THE
SERVICE PROVIDER PERSONNEL (DEFINED BELOW) ON 'NEED TO KNOW' BASIS ONLY; (B) NOT USE
CONFIDENTIAL INFORMATION FOR ANY PURPOSE OTHER THAN FOR THE PURPOSE OF PERFORMING ITS
OBLIGATION UNDER THESE TERMS; (C) NOT SHARE ANY CONFIDENTIAL INFORMATION WITH THIRD PARTY OR
WHOSOEVER WITHOUT AN EXPRESS WRITTEN CONSENT OF THE OF THE COMPANY.

9.5 In the event, the Service Provider is required to disclose any part of the Confidential Information to a Governmental Authority
under applicable Law, or for exercising its rights under these Terms, the Service Provider shall promptly notify in advance to the
Company of such intended disclosure. In the event the Company does not respond within 7 (seven) days from notice of the Service
Provider, the Service Provider may disclose information to the Governmental Authority based on advice received from its senior
legal officials.

9.6 The Service Provider shall at all times comply with the Data Protection Laws. Without prejudice to the obligations contained
herein, Service Provider shall only undertake the processing of Data as may be reasonably required in connection with the
performance of its obligations under these Terms. The Service Provider shall not misuse any Data or share Data with any party that
deems such action to be unauthorised use.

9.7 The Service Provider shall at all times have appropriate technical and organisational measures in place acceptable to the
Company: (a) to prevent unauthorised or unlawful processing of any Personal Data; (b) protect any Personal Data against accidental
loss, destruction or damage; (c) ensure the reliability of its employees/contractor/agents having access to the Personal Data; (d) On
the Company's reasonable request, the Service Provider shall provide a detailed, written description of the measures undertaken by
Service Provider and its compliance with those measures; and allow the Company access to its premises to inspect its procedures for
the processing of Personal Data.

10. AUDIT AND INSPECTION

10.1 THE COMPANY SHALL HAVE THE RIGHT TO INTERVENE, CONTROL AND MONITOR THE BUSINESS
OPERATIONS OF THE SERVICES PROVIDER, IN RELATION TO THE SERVICES, WITH APPROPRIATE MEASURES TO
ENSURE THE CONTINUITY OF SUCH BUSINESS OPERATIONS.

10.2 The Company shall have the right to inspect and review the financial and operational information of the Service Provider to
assess its ability to continue to meet its outsourcing obligations. The Company shall perform such rights under this clause by giving a
two (2) prior notice to the Service Provider.

10.3 THE COMPANY SHALL HAVE THE RIGHT TO ACCESS BOOKS, RECORDS AND RELEVANT INFORMATION
AVAILABLE WITH THE SERVICE PROVIDER IN RELATION TO THE SERVICES.

10.4 THE COMPANY SHALL HAVE THE RIGHT TO CONDUCT AUDITS ON THE SERVICE PROVIDER, WHETHER BY
ITS INTERNAL OR EXTERNAL AUDITORS, OR BY AGENTS APPOINTED TO ACT ON ITS BEHALF AND TO OBTAIN
COPIES OF ANY AUDIT OR REVIEW REPORTS AND FINDINGS MADE ON THE SERVICE PROVIDER IN
CONJUNCTION WITH THE SERVICES.

10.5 THE SERVICE PROVIDER SHALL ALLOW THE RBI OR PERSONS AUTHORISED BY IT TO ACCESS THE
COMPANY'S S DOCUMENTS, RECORDS OF TRANSACTIONS, AND OTHER NECESSARY INFORMATION GIVEN TO,
STORED OR PROCESSED BY THE SERVICE PROVIDER WITHIN A REASONABLE TIME. IT SHALL FURTHER ALLOW
AND PROVIDE ALL REQUISITE SUPPORT TO THE RBI OR PERSONS AUTHORISED BY IT TO INSPECT AND/OR
AUDIT ITS BOOKS OF ACCOUNTS, AND ACCESS ALL DOCUMENTS, RECORDS OF TRANSACTIONS, AND OTHER
NECESSARY INFORMATION AS MAY BE CONSIDERED NECESSARY AND WITHIN SUCH TIME PERIOD AS MAY BE
PRESCRIBED BY THE RBI.

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
10.6 For any such audit / inspection carried out by the Company, the Service Provider shall retain and make accessible to the
Company, requisite audit trails and logs for administrative activities relevant to the activities outsourced by the Company to the
Service Provider. The information requested shall be provided by the Service Provider only to the authorised personnel of the
Company.

10.7 The Service Provider agrees and undertakes to act upon and implement any reasonable recommendations made by the Company
based upon the auditor's report or any other professional report issued pursuant to the audit / inspection conducted pursuant to the
sub-clauses hereinabove and the cost of implementing those recommendations shall be borne by the Service Provider to the extent
such recommendations correct a failure by the Service Provider to meet its obligations under these Terms. The Company shall have
the right to obtain copies of such audit/review reports.

11. INDEMNIFICATION

11.1 The Service Provider shall at its own expense, indemnify, defend and hold harmless, the Company and affiliates of the
Company, their respective officers, directors, personnel, representatives, consultants, nominees (" Indemnified Party ") from and
against any and all liability suffered or incurred (including but not limited to liabilities, judgments, damages, losses, claims, costs and
expenses, including legal fees and expenses) or any other loss that may occur including but not limited to non- payment of Loan
amount by the delinquent Customer, arising from or relating to:

11.1.1 act or omission, non-performance, breach, misrepresentation, wilful misconduct, negligence, forgery, dishonesty in
relation to these Terms by the Service Provider (including Service Provider Personnel, Service Provider Subcontractor);

11.1.2 loss, misappropriations, misuse or damage of the documents or instruments or material provided by the Company or
the Customer in terms of this Terms, that are in the possession of the Service Provider;

11.1.3 any deficiency in Service, loss, damages to the Customers or Loan Documents through any acts or omissions of the
Service Provider;

11.1.4 failure to comply or contravention of any applicable Law, or industry practice, or violation of any Policy(ies) and
Process(es) of the Company.

11.2 In the event of any claims being made on Company on account of any default or breach committed by the Service Provider, the
Service Provider undertakes to pay on first demand made by the Company of any amount on this account without any demur,
reservation, contest, protest whatsoever within 2 (two) Business Days of the demand being made. The Company shall also be entitled
to settle any or all claims made on it and recover the amount so paid from the Service Provider.

12. DISCLAIMER

12.1 Electronic Instructions

The Service Provider requests the Company to rely upon, act or omit to act in accordance with any directions, instructions and/ or
other communication given in connection with thenbsp;Services by email or other electronic means by the Services Provider ("
Instruction "). The Service Provider is aware that electronic communications involve certain risks including unauthorized alteration
of Data and/ or unauthorized access by third parties thereof. The Company may act as aforesaid without inquiry as to the identity or
authority of the Service Provider or the authorized person giving or purporting to give any Instruction or as to the authenticity of any
electronic message and may treat the same as fully authorized by and binding on the Service Provider. The Service Provider hereby
agrees to indemnify the Company and keep them at all times indemnified from and against all actions, suits, proceedings, costs,
claims, demands, charges, expenses, losses and liabilities howsoever arising in consequence of or in any way related to the Company
having acted or omitted to act in accordance with or pursuant to any Instruction.

12.2 Technical Failures and Security Measures

12.2.1 The Service Provider shall be required to maintain secrecy about its login and password on the Portal. As a safety
measure, the Service Provider shall change the password as frequently as possible. The Service Provider acknowledges,
represents and warrants that the password which will be issued to it, provides access to its account and that Service Provider
is the sole and exclusive owner and is the only authorised user of the password and accepts sole responsibility for use,
confidentiality and protection of the password, as well as for all orders and information changes. The Company shall not be
liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage
whatsoever arising from loss of Data including login credentials, server-crashes, or any loss in connection with the use of the
Portal in any manner.

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
 12.2.2 The information provided to the Service Provider through the Portal is not updated continuously but at regular
intervals. Consequently, any information supplied to the Service Provider through the Portal will pertain to the date and time
when it was last updated and not as the date and time when it is supplied to the Service Provider.

12.2.3 The Company may change the mode and manner of access to the Portal at any time. In the event of degradation or
instability of the Company's system or an emergency, the Company may, in its sole discretion, temporarily suspend the
Service Provider's access to the Portal under these Terms.

12.2.4 Some parts of the Portal may contain third-party content (such as text, images, videos, audio, or software), such
content is the sole responsibility of such third party that makes it available to the Company. In this regard, the Company
hereby disclaims all warranties, whether express, implied or statutory, regarding the portal, including without limitation any
and all implied warranties of accuracy, authenticity and/or accuracy of Data, results of use, reliability, fitness for a particular
purpose, title, interference with quiet enjoyment and any warranties or conditions arising out of course of its usage.

13. LIMITATION OF LIABILITY. The parties agree that the Company shall not be liable under these Terms to the Service
Provider. Further, the parties shall not be liable for any indirect, incidental, contingent, consequential, punitive, exemplary, special or
similar damages incurred by the other party and arising out of performance of these Terms, including but not limited to, loss of
profits, loss of revenue or loss of goodwill, whether incurred as a result of negligence or otherwise, irrespective of whether such party
had been advised of the possibility of the incurrence by the other arty of any such damages.

14. TERM AND TERMINATION

14.1 Term . These Terms shall be effective from the date of acceptance of these Terms and shall continue unless otherwise
terminated in accordance with Clause 14.3 of these Terms.

14.2 Renewal . Not Applicable

14.3 TERMINATION FOR CAUSE . THE PARTIES MAY TERMINATE THESE TERMS IN ACCORDANCE WITH THE
BELOW:

14.3.1 BY WRITTEN NOTICE IN THE EVENT THAT THE SERVICE PROVIDER COMMITS A MATERIAL BREACH
OF ITS OBLIGATIONS HEREUNDER AND FAILS TO CURE SUCH MATERIAL BREACH WITHIN 30 (THIRTY)
CALENDAR DAYS AFTER RECEIPT OF WRITTEN NOTICE;

14.3.2 PROMPTLY, UPON OCCURRENCE OF AN EVENT OF DISSOLUTION OF SERVICE PROVIDER, WHETHER

BY OPERATION OF APPLICABLE LAW OR OTHERWISE, OR TO THE EXTENT PERMITTED BY APPLICABLE
LAW, COMMENCEMENT OF WINDING UP OR INSOLVENCY, OR ASSIGNMENT BY SERVICE PROVIDER FOR
THE BENEFIT OF ITS CREDITORS, IN EACH CASE WHERE SUCH DISSOLUTION, WINDING UP, INSOLVENCY
OR ASSIGNMENT, AS THE CASE MAY BE, IS DUE TO REASON OTHER THAN FOR THE PURPOSES OF
AMALGAMATION, MERGER, RESTRUCTURING OR SIMILAR REORGANIZATION;

14.3.3 SUBJECT TO CLAUSE 19, IF THE CONSEQUENCES OF FORCE MAJEURE ARE LIKELY TO PREVAIL
BEYOND 60 (SIXTY) CONSECUTIVE CALENDAR DAYS RESULTING IN A MAJOR IMPAIRMENT TO THE
FUNCTIONING OF EITHER PARTY, PROMPTLY OR IMMEDIATELY IN WRITING TERMINATE THESE TERMS.

14.4 TERMINATION FOR CONVENIENC . THE PARTIES MAY TERMINATE TERMS AFTER 30 CALENDAR DAYS
PRIOR WRITTEN NOTICE WITHOUT ASSIGNING ANY REASON.

14.5 Consequences of termination of these Terms . Upon the termination of these Terms for any reason whatsoever, the Service
Provider shall immediately cease use of and basis instructions promptly either return or destroy, Company's intellectual property,
information, documents and records pertaining to Confidential Information The Service Provider shall ensure that the Service
Provider Personnel and Service Provider Subcontractors return all Confidential Information including proprietary material and Data
of the Company. Neither the Service Provider, Service Provider Personnel nor any Service Provider Subcontractors shall retain any
copy of the Company's intellectual property, Data or information, documents and records pertaining to Customer, and it shall certify
the same in writing.

14.6 Saving of Obligations . Termination of these Terms for any reasons whatsoever shall not affect the rights and obligations of
the Service Provider accrued under these Terms prior to such termination. The Company shall not be liable for any damages, claims
of loss of profit, loss of investment or any such claims of a similar nature, in the case of termination of these Terms by any mode or
for whatever reasons.

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
15. SERVICE PROVIDER PERSONNEL AND SUBCONTRACTORS

15.1 Personnel . The Service Provider shall be entitled to appoint sufficient number of individuals either through itself, or
contractors, or as consultants (" Service Provider Personnel ") to ensure that the Services are provided to the Company in a proper,
timely and efficient manner in accordance with the terms of these Terms. The Service Provider shall ensure that the Service Provider
Personnel shall enter into similar agreements and obligations as envisaged herein for performing the Services.

15.1 Employment Laws . The Service Provider shall ensure that Service Provider Personnel shall be governed by the terms of
employment of Service Provider, if applicable, but in no event, shall the Company be deemed to be the employer of the Service
Provider Personnel or be liable for any of their employment benefits.

15.2 SUBCONTRACTING/ OUTSOURCING . THE SERVICE PROVIDER SHALL NOT SUBCONTRACT OR OUTSOURCE
ANY SERVICES TO ANY THIRD PARTY SUB-CONTRACTOR (" 15.3 SERVICE PROVIDER SUBCONTRACTOR ")
WITHOUT THE PRIOR WRITTEN APPROVAL OF THE COMPANY, WHICH SHALL NOT BE UNREASONABLY
WITHHELD BY THE COMPANY.

15.4 SERVICE PROVIDER RESPONSIBILITY . NOTWITHSTANDING THE DEPLOYMENT OF ANY SERVICE

PROVIDER PERSONNEL OR APPOINTMENT OF ANY SERVICE PROVIDER SUBCONTRACTOR, OR TERMINATION OF
ANY SERVICE PROVIDER PERSONNEL AND/ OR SERVICE PROVIDER SUBCONTRACTOR AT THE BEHEST OF THE
COMPANY, THE SERVICE PROVIDER SHALL REMAIN, RESPONSIBLE AND LIABLE FOR ANY ACTS OR OMISSIONS
OF ANY SERVICE PROVIDER PERSONNEL OR SERVICE PROVIDER SUBCONTRACTOR AND FOR ALL OBLIGATIONS
TO BE PERFORMED BY THEM (INCLUDING BREACH OF CONFIDENTIALITY, FAILURE TO PERFORM IN
ACCORDANCE WITH THESE TERMS OR TO COMPLY WITH ANY DUTIES OR OBLIGATIONS IMPOSED ON THE
SERVICE PROVIDER UNDER THESE TERMS) TO THE SAME EXTENT AS IF SUCH FAILURE TO PERFORM OR
COMPLY WAS COMMITTED BY THE SERVICE PROVIDER. THE SERVICE PROVIDER SHALL ENSURE THAT ALL
CONFIDENTIAL INFORMATION AND PROPRIETARY INFORMATION OF THE COMPANY IS SHARED WITH SERVICE
PROVIDER PERSONNEL AND SERVICE PROVIDER SUBCONTRACTOR ON A STRICTLY NEED-TO-KNOW-BASIS.

16. BUSINESS CONTINUITY AND DISASTER RECOVERY PLAN. THE SERVICE PROVIDER SHALL ENSURE THAT
A BUSINESS CONTINUITY AND DISASTER RECOVERY PLAN IS IN PLACE, WHICH WILL ENSURE THE CONTINUED
PERFORMANCE AND OPERATIONAL RESILIENCE OF THE SERVICES. THE SERVICE PROVIDER SHALL CONTINUE
TO MAINTAIN ADEQUATE INSURANCE, RISK MANAGEMENT SYSTEMS, CONTINGENCY PLANS AND BACKUP
SYSTEM IN PLACE TO ENSURE THAT IT MAY CONTINUE TO PROVIDE UNINTERRUPTED PERFORMANCE OF ITS
OBLIGATIONS UNDER THESE TERMS, CONSISTENT WITH THE GENERALLY ACCEPTABLE INDUSTRY
STANDARDS. THE SERVICE PROVIDER SHALL DEVELOP, UPDATE AND TEST THE PLAN ON A REGULAR BASIS IN
ACCORDANCE WITH GOOD INDUSTRY PRACTICE.

17. CODE OF CONDUCT. THE SERVICE PROVIDER HAS READ AND UNDERSTOOD THE CODE OF CONDUCT
(APPENDED AS SCHEDULE IV) AND MADE AVAILABLE ALONG WITH PRIVACY POLICY AND TERMS OF USE ON
THE PORTAL MADE AVAILABLE BY THE COMPANY. THE SERVICE PROVIDER HEREBY UNDERTAKES TO ABIDE
BY THE TERMS OF THE CODE OF CONDUCT AND AMENDMENTS THEREOF FROM TIME TO TIME. FURTHER, THE
SERVICE PROVIDER UNDERSTANDS THAT ANY CHANGE/MODIFICATION IN THE CODE OF CONDUCT WILL BE
MADE AVAILABLE ON THE PORTAL, THE SERVICE PROVIDER SHALL KEEP ITSELF UPDATED INDEPENDENT OF
ANY INTIMATION FROM THE COMPANY.

18. RIGHT OF SET-OFF . The Service Provider hereby authorises the Company to make deductions to any sum, being the cost,
expenses, loss or damage suffered by the Company on account of any default or breach committed by the Service Provider or its
employees, agents, representatives, as mentioned hereinabove. The decision of Company as to the amount of cost, expenses, loss or
damage suffered shall be final and binding on the Service Provider and the Service Provider shall not protest, contest the same on any
ground whatsoever.

19. RELATIONSHIP. The relationship between the Parties is purely a business relationship based upon Principal-to-Principal
arrangements and shall, unless expressly provided otherwise, never be construed as partnership, or joint venture, or master-servant,
principal-agent arrangement between the Parties for any purpose whatsoever and the Service Provider shall not act or attempt to act
or represent itself directly or by implication as an agent/ partner of the Company or incur any obligation on behalf of or in the name
of the Company.

20. WAIVER : The failure of either party to insist upon strict performance of any provision of these Terms, or the failure of either
party to exercise any right or remedy to which it is entitled hereunder or thereunder, shall not constitute a waiver thereof and shall not

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
cause a diminution of the obligations established by these Terms. A waiver of any default shall not constitute a waiver of any
subsequent default. No waiver of any of the provisions of these Terms shall be effective unless it is expressly stated to be a waiver
and communicated to the other party in writing.

21. SURVIVAL. THE SERVICE PROVIDER'S OBLIGATIONS IN RELATION TO RETENTION POLICY PROVIDED IN
CLAUSE 7.9 AND CONFIDENTIAL INFORMATION PROVIDED IN CLAUSE 9 SHALL CONTINUE TO SURVIVE THE
POST TERMINATION OF THESE TERMS.

22. ASSIGNMENT. The Service Provider shall not assign, transfer, delegate, any of its rights or obligations hereunder to any
third party hereunder without the prior written consent of the Company. The Company shall be entitled to assign, transfer, delegate,
any of its rights or obligations hereunder to its affiliates, associates and group companies.

23. SEVERABILITY. It is expressly agreed and declared that if for any reason whatsoever after accepting these Terms, any court
of competent jurisdiction holds any provision hereof to be illegal, void or unenforceable, such provision shall be of no force and
effect, but the illegality or unenforceability of such provision shall have no effect upon and shall not impair the legality, validity, and
enforceability of any other provisions of these Terms.

24. DISPUTE RESOLUTION AND ARBITRATION

24.1 Dispute Resolution Procedures: Prior to the initiation of formal dispute resolution procedures with respect to any dispute, other
than dispute in relation to clause 9, the Parties shall first attempt to resolve such dispute informally in accordance with Clause 24.2
and 24.3.

24.2 Initial Effort: The parties agree that the designated relationship manager shall attempt in good faith to resolve all disputes. In the
event the designated relationship manager is unable to resolve a dispute in an amount of time that either party deems reasonable
under the circumstances, such party may refer the dispute for resolution to the senior corporate executives being an officer with a
designation of assistant vice president or above, upon written notice to the other party.

24.3 Escalation

24.3.1 Within 5 (five) Business Days after a notice under clause 24.2 referring a dispute for resolution by senior corporate
executives, designate relationship managers of respective Parties shall each provide, summaries of the relevant information
and background of the dispute, along with any appropriate supporting documentation, for their review.

24.3.2 The designated senior corporate executives shall confer as often as they deem reasonably necessary in order to gather
and furnish to the other all information with respect to the matter / issue which the parties believe to be appropriate for
resolution.

24.3.3 The designated senior corporate executives shall discuss the dispute and negotiate in good faith in an effort to resolve
the dispute without the necessity of any formal proceeding. The specific format for the discussions shall be left to the
discretion of the designated senior corporate executives, but may include the preparation of agreed-upon statements of fact or
written statements of position.

24.4 Prerequisite to Formal Proceedings: Formal proceedings for the resolution of a dispute may not be commenced until the
earlier of:

24.4.1 the designated senior corporate executives under clause 24.3 concludes in good faith that amicable resolution through
continued negotiation of the matter does not appear likely; or

24.4.2 60 (sixty) days have lapsed after the notice under clause 24.3 above referring the dispute to senior corporate
executives.

24.5 Arbitration : If the parties are not able to resolve the dispute in accordance with the above, either Party may submit the dispute
to a binding arbitration according to the procedures set forth below:

24.5.1 A dispute between the Parties shall be resolved through arbitration by a sole arbitrator mutually agreed by the parties
within 15 (fifteen) days of unsuccessful negotiations, failing which either party [may approach the court of law for
appointment of a sole arbitrator] in accordance with the Arbitration and Conciliation Act, 1996, its rules and amendments
thereof.

24.5.2 The arbitration shall be governed by the provisions of the Arbitration and Conciliation Act, 1996.

24.5.3 The venue of arbitration proceeding shall be Ahmedabad, India. All proceedings shall be in English. The award of the
Arbitrator shall be final and binding on the Party.

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
24.6 Governing Law and Jurisdiction : These Terms shall be governed by and interpreted in accordance with the Laws of India
and the Courts at Ahmedabad shall have exclusive jurisdiction.

NOTICES. All notices and other communications in respect of these Terms shall be given in writing in English by the mode of
courier or registered post, or hand delivered or email, on the following addresses: (i) for Company - Lendingkart Finance Limited,
6 th Floor, B Block, The First, The First Avenue Road, Behind Keshavbaug Party Plot, Vastrapur, Ahmedabad 380 015
and email id: kumudini.aggarwal@lendingkart.com ; xpu@lendingkart.com ; (ii) for Service Provider – details of authorized
representative and communication address provided in the Application Form. Any communication under this clause shall be deemed
to have been served, i) promptly, where hand-delivered, delivered or (ii) sent by email (and no 'delivery failure notification' is
received by the sender) or (iii) expiry of the 3rd (third) day, when sent by courier or registered post.

26. COMPLIANCE WITH LAWS

i) AT ALL TIMES THE SERVICE PROVIDER SHALL KEEP ITSELF FULLY INFORMED OF LAWS, ORDINANCES,
REGULATIONS, RULES, AND ORDERS OF THE LAND, IN PERFORMANCES OF THE SERVICES INCLUDING
PROCUREMENT AND RENEWAL OF LICENSES, PERMITS, AND CERTIFICATES AND PAYMENT OF TAXES AS
AND WHEN WHERE REQUIRED.

ii) The Service Provider shall at its own cost, compulsorily register itself with DoT as Telemarketers and obtain for itself,
from DoT, or any other agency authorized by DoT, valid registration certificate. Further the Service Provider, as a
Telemarketer, shall comply with the Guidelines/Orders/Directions/Regulations issued by DoT and the TRAI on Unsolicited
Commercial Communications (UCC) in performances of the Services according to these Terms. The Service Provider shall
not resort to invasion of privacy, viz. persistently bothering the Customers of the Company or prospective Customers at odd
hours, violation of "do not call" code, etc. nor shall call on Do Not Call Number (DNCN) which are not cleared by the
Company without prior written consent from the Company.

iii) All taxes, fees, charges, and other outgoings incurred or to be incurred under any Laws shall be at the complete cost and
responsibility of the Service Provider. Any loss caused, penalty imposed, or legal obligation created on account of the failure
to adhere to any Law in regard to submission of such returns as may be required, shall be borne by the Service Provider and
the Company shall not be liable for any damages or payments in this regard.

iv) The Service Provider shall ensure to register, obtain and renew in accordance with requirement/Law, licenses (as
applicable) and comply with the provisions and requirements of the relevant labour Laws including but not limited to
Minimum Wages Act, Provident Fund Act, Employees' State Insurance Act etc. and other applicable statutory enactment's
including but not limited to the applicable Shops and Establishment Act, 1948, for all its office locations (office locations, as
well as any other addresses of the Service Provider, shall be maintained by the Service Provider independent of and in
addition to the offices of the Company).

v) Anti-Corruption: In connection with the parties' compliance with the applicable anti-corruption Laws, the parties shall not
offer, promise, approve, or make payments, gifts, or anything of value to government officials or private parties for the
purpose of influencing such individual to obtain or retain Business, in each case in violation of the applicable anti-corruption
Laws. In addition, neither party shall make any payments with wrongful or corrupt intent, i.e. payments party knew or should
have known were intended to influence the private party, the government official or the government, in each case in violation
of the applicable anti-corruption Laws.

SCHEDULE I

DETAILS OF SERVICE PROVIDER

1. APPLICANT INFORMATION
A. Name of Company/Firm/Individual : Raghuraman S
B. Registered Address of Applicant : C-33,MANTHIRAVATHI ROAD,TALUK-10,
NEYVELI , Cuddalore , TAMIL NADU , 607801
C. Branch/ Communication Address : C-33,MANTHIRAVATHI ROAD,TALUK-10,
NEYVELI , Cuddalore , TAMIL NADU , 607801
D. Geographical Area covered : City

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
 E. Nature of Entity : (a) Business Type:- Individual
(i)Date of birth:- 1992-11-15T00:00:00.000+0000
(ii) Educational qualifications:- Post graduate
F. Details of authorized representative: : (a) Name: Raghuraman S
(b) Contact Details: 7598008182
(c) Email Address: raghuraman1511@gmail.
com
(d) Website (if any): raghuraman1511@gmail.
com

Note: for communication and update on your

application.
2. FINANCIAL DETAILS
A. PAN Number : CDZPR9725F
B. GST registration number :
C. MSME registration number :

SCHEDULE II

SERVICE FEE AND PAYMENT TERMS

The Parties agree that these Payment Terms shall be governed by the "Terms and Conditions", duly accepted by the Service Provider. To the
extent of any inconsistency between these Payment Terms and the Terms and Conditions, these Payment Terms shall prevail.

1. The Service Provider shall bear all cost and expenses incurred in connection with execution of these Terms, and in case the Company
has incurred such expenses the Company will have a right to deduct such costs and expenses including but not limited to stamp duty
expenses, etc., while making the payment against an Invoice raised by Service Provider in terms of these Terms.

2. The Service Fee shall be paid on a monthly basis.

3. The pay-out will be made to the Service Provider as per the below table subject to applicable Minimum Lending Rate agreed below.

Dsa Payout Detail

DSA Tier C (new)
Slab 1 Slab 2 Slab 3
Slab Amount (INR Lacs) 0 - 20 20.01- 50 50+
New Case 2.15% 2.40% 2.65%
Net Enhancement 1.075% 1.200% 1.325%

Payout in column (C) above will be calculated on the aggregate amount of Loan disbursed to new Customers in connection
with whom Services have been performed, in a calendar month.

Based on the payout slab determined as per (i) above, payout in column (D) will be calculated on the aggregate Net
Enhancement Amount (as calculated herein) in a calendar month.

Net Enhancement Amount with respect to a Customer shall be determined in accordance with the following formula:

A= C - B
Where:
A = Net Enhancement Amount of a particular Customer
B = Customer's Loan outstanding at the time of new Loan sanction
C = Customer's Loan outstanding immediately after the date of disbursement of Loan.

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
 Payout on Net Enhancement Amount of a Loan shall only be paid to the Service Provider if the Service Provider has duly performed
the Services as envisaged under these Terms with respect to that Loan.

The Minimum Lending Rate - Below are the applicable minimum lending rates for the disbursal of a Loan sourced by Service
Provider (" Minimum Lending Rate ").

Loan Amount Flat Reducing Interest Rate

(In Inr) Interest Rate (Per Anum)
(Per Anum)
Upto 2,99,999 21.00% -
3,00,000 - 4,99,999 18.60% -
5,00,000 - 9,99,999 15.00% 25.00%
10,00,000 - 19,99,999 13.20% 22.00%
20,00,000 and above 12.00% 20.00%

If a particular Loan sourced by Service Provider is sanctioned on a rate of interest which is lower than the Minimum Lending Rate, the
differential rate shall be deducted from the applicable payout percentage of the Service Provider with respect to that Loan.
Illustration:
Assuming that,the applicable payout rate of Service Provider as per Para 1 above is 2.75%.The Service Provider has sourced a Loan of
INR 10,00,000/-. The Minimum Lending Rate applicable to the Loan is 22%, while the Company has sanctioned the Loan at 20%.
Hence, the differential rate is as follows:

Differential Rate = Minimum Lending Rate – Rate at which Loan is sanction

= 22% - 20%
= 2%

Hence, the following amount will be deducted from Service Provider's gross payout:

Amount deductible = Amount of Loan disbursed X Differential rate

= 10,00,000 X 2%

= 20,000/-

SCHEDULE III

SCOPE OF WORK

Type of Services Deliverable

The Service Provider shall identify Customer who are desirous of applying for a Loan from Company
and for availing other financial products and offered by Company.

Company shall share with the Service Provider a set of eligibility criteria in order to receive specific
sets of borrower/ customer profiles from the Service Provider. Based on the eligibility criteria the
Service Provider shall source such Customer

The Service Provider shall appoint suitable number of trained field staff, Service Provider Personnel for
sourcing Customer.
Lead Generation

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
(sourcing Customers) The Service Provider shall endeavor that such Customer are not sourced who have doubtful integrity
and intention, criminal backgrounds, questionable repayment capability or any other information that
may impact the decision of the Company to provide the Loan to the Customers.

The Service Provider shall, prior to taking any information of the Customer, inform the Customer that if
for any reason, the Company decides not to provide Loan to the Customer, then such information
provided by the Customer shall not be returned by the Company to the Customer. Such information
shall become the property of the Company and it shall be entitled to use the said information in any
manner.

The Service Provider shall assist the Customer in filling up the Loan Documents. The Company shall
provide the Service Provider with blank copies of the Loan Documents which are to be obtained from
the Customer. The Service Provider shall not modify or tamper with the Loan Documents provided by
the Company.

The Service Provider will facilitate the 'Know Your Customer' (KYC) check of the Customer. The
Service Provider will support the Company in conducting identity check of the Customer physically on
its own or through its field staff, Service Provider Personnel and Service Provider Contractors (if
applicable) in the manner as advised by the Company.

The Service Provider shall collect the fully filled up Loan Documents and the self-attested KYC
documents from the Customer as photocopies. The Company will specify, from time to time, the list of
acceptable documents for the purpose of KYC.

The Service Provider shall be responsible for verification of the primary information/ data received
Collection of documents
from the Customer. The Service Provider shall stamp the KYC documents with their 'Original seen and
( including KYC )
Verified (OSV)' stamp upon confirming the same and do all such other act, deeds and things to satisfy
the KYC requirements specified by the Company. The Company shall be the final authority as to the
fulfillment of the KYC requirements and the decision on identity of the Customer.

The Service Provider shall transfer all KYC documents and other personal and financial information
obtained from the Customers to the Company within 2 (two) Business Days.

The Service Provider shall further obtain from the Customer documents pertaining to the Customer's
income, employment or professional status, property, and such other information and documents as the
Company may require.

The Service Provider shall ensure that every Customer has provided adequate explicit consents to share
its personal and financial information with the Company for the purpose of evaluating grant of the
Loan.

The Company shall be responsible for credit assessment of the Customers. The Company shall have the
sole and final decision to ascertain compliance with the KYC requirements under the Law, determining
the credit-worthiness of a Customer and disbursement of any Loan amounts to such Customer.
Evaluation and
Assessment The Service Provider shall generate credit bureau reports and do pre-sanction due diligence as per the
norms stipulated by the Company from time to time which the Company can use to screen a new Loan
application, assess risk and compute Loan eligibility and interest rate.

The Service Provider will communicate to the Customers about potential Loan eligibility as decided by
the Company.

The Service Provider shall assist the Customer in executing the Loan Document that the Company may
require. The Company will provide to the Service Provider templates for the Loan agreement and other
Loan Documents which the Customer are required to execute. The Service Provider shall deliver to the
Company duly signed and executed Loan Document to the satisfaction of the Company within 1 (one)
Business Day of from collection from the Customer.

The Service Provider shall transfer all executed Loan Documents and other personal and financial
information obtained from the Customers to the Company within 2 (two) Business Days.

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
 In case of any discrepancy in the Loan Document received by the Company, the Service Provider shall
be obliged to deliver the correct documents within 2 (two) Business Days from the date of such
intimation by the Company. For this purpose, the Service Provider shall approach the borrower/
customer if required and arrange to rectify and sign such documents from the borrower/ customer.
Operations and
Processing
The Service Provider shall immediately inform the Company if the Service Provider knows about the
criminal background of the Customers, or inability of the Customers to repay the Loan, or any other
information that may impact the decision of the Company to continue with the Loan to the Customers.

The Service Provider shall maintain records, reports, data and MIS of the Services provided and Loans
originated and share the same with the Company from time to time.

As and when required by the Company, the Service Provider shall hand-over and deliver original and/
or copies of records (any and all documents, notices, communications) of all its efforts to recover as set
out above.

Provided that the Parties may with mutual agreement modify the Scope of Work as set out above.

The Service Provider shall co-operate and co-ordinate with the Company to ensure that all such
Services which requires cooperation of the Company are carried out in a coordinated, effective and
timely manner.

The Service Provider shall ensure that its employees deployed to the Service Receiver locations
cooperate with the employees of the Service Receiver and other third party service providers engaged
by Service Receiver and coordinate, collaborate and align in respect of the Services;

The Service Provider shall ensure that its employees keep good care of all Service Receiver's property,
which is held in the possession or under the control of the Service Provider/ its employees. All such
property which is held in the possession or under the control of the Service Provider/ its employees will
be held at the risk and liability of the Service Provider and shall be duly and promptly returned upon
termination the Terms, termination/ re-staffing of any employee by the Service Provider, etc.;
Additional
Responsibilities of the
The Service Provider shall ensure that its employees follow fair practices built on dignity, respect, fair
Service Provider
treatment, persuasion and courtesy to the Customers and interact with them in an acceptable language
and dignified manner;

The Service Provider shall assist the Company in resolving any dispute between the Customer and the
Company in relation to any products and services;

The Service Provider agrees to provide any other service or function as may be communicated by the
Company from time to time.

SCHEDULE IV

CODE OF CONDUCT

The Code of Conduct for Direct Selling Agents (the " Code ") is laid down by Lendingkart Finance Limited (hereinafter referred to as "
Lendingkart Finance Limited " /the " Company ") for adoption and implementation by the DSA:

1. Applicability
The Code has been adopted and included as part of the Agreement between Lendingkart Finance Limited and the DSA Establishment. This
code will apply to all Persons employed by the DSA who would be involved in the marketing and distribution of Products and other related
Services of Lendingkart Finance Limited. The DSA and its Telemarketing Executives (TMEs) and field sales personnel, namely, Business
Development Executives (BDEs) must agree to abide by this code prior to undertaking any direct marketing operation on behalf of the
Company. Any TME/BDE found to be violating this Code will be blacklisted and such action taken be reported to Lendingkart Finance
Limited from time to time by DSA. Failure to comply with this requirement may result in permanent termination of the business tie-up of
the DSA with the Company.

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
 To ensure that the TMEs and BDEs adhere to the terms of this Code, the DSA will obtain a declaration from the TMEs and BDEs before
assigning them their duties.

2. Tele-calling a Prospect (a prospective Customer)

The DSA will contact a prospect for sourcing the Company related product only under the following circumstances:
When prospect has expressed a desire/intent to acquire a product through the company's internet site/call centre/branch or through
the relationship officer at the Company or has been referred to by another prospect/Customer or is an existing Customer of the
Company who has given consent for accepting calls on other products of the Company.
When the prospect's name/telephone number/address is available and has been taken from one of the lists/directories/databases
approved by the manager/team leader of the DSA after taking his/ her consent.
The DSA will ensure that their TME will not call a Person whose name/number is flagged in any "do not disturb" list made
available to him/her.

3. Contacting a prospect on the telephone

Telephonic contact will normally be limited between 09:30 Hrs and 19:00 Hrs. However, the DSA will ensure that a prospect is contacted
only when the call is not expected to inconvenience to him/her. Any Calls earlier or later than the prescribed time period may be placed
only when the prospect has expressly authorized TME/BDE to do so either in writing or orally.

4. Can the prospect's interest be discussed with anybody else?

The DSA will make sure that a prospect's privacy is respected. The prospect's interest normally will be discussed only with the prospect
and any other individual/family member such as a prospect's accountant/secretary /spouse, as authorized by the prospect.

4.1 Leaving messages and contacting Persons other than the prospect.
Calls will first be placed to the prospect. In the event the prospect is not available, a message will be left for him/her. The aim of the
message will be to get the prospect to return the call or to check for a convenient time to call again. Ordinarily, such messages will be
restricted to the following:

"Please leave a message that ____ called and requested to call back at __________".

As a general rule, the message will indicate that the purpose of the call is regarding selling of Lendingkart Finance Limited's unsecured
working capital product.

5. No misleading statements/misrepresentations permitted

The TME/BDE wills not -
a) Mislead the prospect on any Service / Product offered;
b) Mislead the prospect about the DSA Establishment's Business or name, or falsely represent themselves.
c) Make any false/unauthorized commitment on behalf of the Company for any facility/service.

6. Telemarketing Etiquettes
6.1 PRE - CALL
a) No calls will be made prior to 09:30 Hrs or post 19:00 Hrs unless specifically requested.
b) No serial dialing will be made.
c) No calls will happen on lists unless the list is cleared by Team Leader.

6.2 DURING CALL

a) The Telemarketing executive will identify himself/ herself, the DSA Establishment's name and the name of LENDINGKART FINANCE
LIMITED.
b) He/She will request permission to proceed.
c) If denied permission, he/she will apologize and politely disconnect.
d) He/She will state the reason for the call.
e) He/She will always offer to call back on the landline if a call is made to a cell number.
f) He/She will never interrupt or argue.
g) To the extent possible, he/she will talk in the language that is most comfortable to the prospect.
h) He/She shall keep the conversation limited to Business matters.
i) He/She shall check for understanding of "Most Important Terms and Conditions" by the Customer if the prospect plans to buy the
product.
j) He/She will reconfirm next call or next visit details.
k) He/ She will Provide their telephone no, their supervisor's name or the Lendingkart Finance Limited's Relationship Officer's contact
details if asked for by the Customer.
l) He/ She will thank the Customer for his/her time.

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8
6.3 POST CALL
a) Customers who have expressed their lack of interest in the offering will not be called for the next 3 (three) months with the same offer.
b) The DSA Establishment will provide feedback to the Company on Customers who have expressed their desire to be flagged "Do Not
Disturb".
c) The DSA Establishment will never call or entertain calls from Customers regarding products already sold. It will advise them to contact
the Customer Service Staff of the company.

7. Gifts or bribes
No TME/BDE will accept gifts from prospects or bribes of any kind. Any TME/BOE offered a bribe or payment of any kind by a Customer
will report the offer to the Management.

8. Precautions to be taken on visits/contacts

The BDE will:
a) Respect personal space - maintain adequate distance from the prospect. He/She will not enter the prospect's residence/office against his
/her wishes.
b) No prospect will be visited in large numbers - i.e. not more than one BDE and one supervisor, if required.
c) Respect the prospect's privacy.
d) If the prospect is not present and only family members/office Persons are present at the time of the visit, he/she will end the visit with a
request for the prospect to call back.
e) Provide his/her telephone number, and the supervisor's name or the concerned company officer's contact details, if asked for by the
Customer.
f) Limit discussions with the prospect to the Business - Maintain a professional distance.

9. Other important aspects - Appearance and Dress Code

BDEs will be appropriately dressed.
For men this means well-ironed trousers; well-ironed shirt, shirt sleeves preferably buttoned down.
For women, this means well-ironed formal attire (Saree, Suit, etc.) - Well-groomed appearance.
Jeans and/or T-Shirt, open sandals shall not be considered appropriate.

10. Handling of letters and other communication

Any communication sent to the prospect shall be only in the mode and format approved by the company.

Name of Borrower:- Raghuraman S Date and Timestamp:- 2022-03-12T06:46:13.411+0000

Authorized Represenative:- Raghuraman S IP Address:- 52.66.17.8