Offer for Settlement

Letter No: 930893

Date: 25-May-23

To,

VISHAL BHAGWAN BANDAL

S/O SH. BHAGWAN VITTHAL BANDAL, HOUSE NO 48, FLOOR-0, ROAD NO 16, NEHRU NAGAR
NO 1, THANE, THANE, STATE-MAHARASHTRA,BEHIND PETROL PUMP-400604

Subject: Settlement of your Loan Account number 4105862449.

Sir / Madam,

With reference to your request for settlement of the aforesaid Loan Account Number, the Company hereby offers to settle the above Loan
Account for an amount of Rs.20000/- (Rupees Twenty Thousand Only) against the total outstanding amount of Rs. 99657/- (Rupees
NinetyNine Thousand Six Hundred FiftySeven Only), which amount has to be paid in strict accordance with the repayment schedule
provided below. The payment modes through which you could make payment are Online through HCIN Website / App, Pay TM, Phone Pe,
Google Pay, Bhim UPI, Airtel Store and Paytm CMS.

Rs. 20000/- ( Rupees Twenty Thousand Only ) to be paid on or before 25-May-23

The above detailed payment(s) needs to be paid by you as per schedule mentioned above and the same has to be paid, on or before the
respective dates specified above. please ensure to have payment receipt(s) / transaction id against each payment made by you in respect to
above settlement.

This arrangement shall be reported to Credit Information Companies as settlement and may adversely impact your credit history, including
decrease in your credit score with Credit Information Companies.

By accepting this settlement arrangement, you agree to withdraw all your complaint(s), legal proceedings or disputes, as the case may be, filed
against the Company and confirm that all your complaints/ grievance(s) stands resolved by the Company by issuance of this settlement
arrangement. Upon realization of the abovementioned payment in entirety, your account will stand closed and the Company will withdraw the
initiated legal proceedings, if any, against you.

Timely payment of the Settlement Amount as per schedule above is the essence of this settlement arrangement, therefore, in the event of
failure to pay the Settlement Amount or any part thereof by the respective Due Date(s), this offer shall stand lapsed and the waiver granted to
you shall stand withdrawn unless otherwise decided by the Company at its sole discretion and you will be liable to pay to HCIN Rs. 99657/-
along with interest as total collectable in line with the terms of agreement executed between you and the Company.

Kindly also note that this is a one-time offer and the same does not form a precedent in any manner whatsoever, and is without any prejudice to
the rights of the Company under the Agreement(s) that have been executed between you and the Company.

In respect to any queries, you can call us at 0124-5046565.

For Home Credit India Finance Private Limited

Authorized Signatory
Ravi Kant Mahto

This item's classification is Public. It was created by and is in property of the Home Credit Group.

Please Note: - Any over-writing/alteration would make this document invalid.