Common use of SETTLEMENT OF DISPUTES AND GOVERNING LAW Clause in Contracts

SETTLEMENT OF DISPUTES AND GOVERNING LAW. Any differences or disputes arising out of or touching the Standard Terms shall be settled solely between ABFL and the Borrower, amicably in the first instance. Unresolved disputes or differences shall be referred to a sole Arbitrator, who shall be appointed by ABFL only and the Borrower shall have no objection to the same. The Arbitration shall be governed by the Arbitration and Conciliation Act 1996 or any statutory modification or re-enactment thereof and the Rules made there under and for the time being in force. The award of the Arbitrator shall be final, conclusive and binding on the parties. The venue of such arbitration proceedings shall be Mumbai and shall be conducted in the English language only. Laws of India shall govern this Standard Terms, the documentation pursuant hereto and Courts in the City of Mumbai having exclusive jurisdiction over all aspects governing the interpretation and enforcement of this Standard Terms and other documentation pursuant hereto. Loan Agreement Annexures Sr. No Particulars Details 1 Date 01/30/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxx Xxxxxx 4 Address S/O: Xxxxxx Xxxxx,House Xx-000,Xxxxxx00-X,Sector 15 Chandigarh,Chandigarh,Chandigarh,Chandigarh,Chandigarh,India,160015 5 Mobile Number 0000000000 6 Email Address xxxx0000@xxxxxx.xxx 7 Total Loan Amount Sanctioned 27000.0 8 Tenure 18 9 Interest Amount 0.0 10 EMI Amount/Advance 1500 11 Term Loan Towards Payment of Education Fees 12 Mode of Repayment NACH Mandate / Auto Debit from Customer Account will the primary mode of Repayment. In case NACH Auto Debit is not successful for any reason and EMI has not been debited for 4 days post EMI Due date, Customer shall pay the EMI directly to designated repayment account via UPI/NetBanking/Debit Card via logging in to his GQ portal 13 Penal Interest 2% p.m. on delay of Principal / Interest / Charges 14 Pre-Payment Charges Zero Charges - conditional upon the entire outstanding loan amount being repaid to the Lender. 15 Foreclosure Charges Zero Charges – conditional upon the entire outstanding loan amount being repaid to the Lender. 16 Validity Period/Date Loan shall be availed within 30 days of this letter unless validity is extended by the Lender.

SETTLEMENT OF DISPUTES AND GOVERNING LAW. Any differences or disputes arising out of or touching the Standard Terms shall be settled solely between ABFL and the Borrower, amicably in the first instance. Unresolved disputes or differences shall be referred to a sole Arbitrator, who shall be appointed by ABFL only and the Borrower shall have no objection to the same. The Arbitration shall be governed by the Arbitration and Conciliation Act 1996 or any statutory modification or re-enactment thereof and the Rules made there under and for the time being in force. The award of the Arbitrator shall be final, conclusive and binding on the parties. The venue of such arbitration proceedings shall be Mumbai and shall be conducted in the English language only. Laws of India shall govern this Standard Terms, the documentation pursuant hereto and Courts in the City of Mumbai having exclusive jurisdiction over all aspects governing the interpretation and enforcement of this Standard Terms and other documentation pursuant hereto. Loan Agreement Annexures Sr. No Particulars Details 1 Date 01/30/2022 01/21/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxx Xxxxxx Xxxxxxx Tharali 4 Address SX/O: X Xxxxxxx Xxxxxxx,A/203, Xxxxxx XxxxxPalace,,Azade Gaon,,Near RX-15 Udyan Darshan Building,,Dombivali East,,Tilaknagar,House Xx-000,Xxxxxx00-XKalyan,Sector 15 ChandigarhThane,ChandigarhKalyan,ChandigarhMaharashtra,Chandigarh,Chandigarh,India,160015 India,421201 5 Mobile Number 0000000000 6 Email Address xxxx0000@xxxxxx.xxx xxxxxx.xxxxxxx@xxxxx.xxx 7 Total Loan Amount Sanctioned 27000.0 65454.0 8 Tenure 18 10 9 Interest Amount 0.0 10 EMI Amount/Advance 1500 6546 11 Term Loan Towards Payment of Education Fees 12 Mode of Repayment NACH Mandate / Auto Debit from Customer Account will the primary mode of Repayment. In case NACH Auto Debit is not successful for any reason and EMI has not been debited for 4 days post EMI Due date, Customer shall pay the EMI directly to designated repayment account via UPI/NetBanking/Debit Card via logging in to his GQ portal 13 Penal Interest 2% p.m. on delay of Principal / Interest / Charges 14 Pre-Payment Charges Zero Charges - conditional upon the entire outstanding loan amount being repaid to the Lender. 15 Foreclosure Charges Zero Charges – conditional upon the entire outstanding loan amount being repaid to the Lender. 16 Validity Period/Date Loan shall be availed within 30 days of this letter unless validity is extended by the Lender.

SETTLEMENT OF DISPUTES AND GOVERNING LAW. Any differences or disputes arising out of or touching the Standard Terms shall be settled solely between ABFL and the Borrower, amicably in the first instance. Unresolved disputes or differences shall be referred to a sole Arbitrator, who shall be appointed by ABFL only and the Borrower shall have no objection to the same. The Arbitration shall be governed by the Arbitration and Conciliation Act 1996 or any statutory modification or re-enactment thereof and the Rules made there under and for the time being in force. The award of the Arbitrator shall be final, conclusive and binding on the parties. The venue of such arbitration proceedings shall be Mumbai and shall be conducted in the English language only. Laws of India shall govern this Standard Terms, the documentation pursuant hereto and Courts in the City of Mumbai having exclusive jurisdiction over all aspects governing the interpretation and enforcement of this Standard Terms and other documentation pursuant hereto. Loan Agreement Annexures Sr. No Particulars Details 1 Date 01/30/2022 03/30/2022 2 Place Mumbai 3 Name of Borrower Xxxxxxxxx Xxxxxxx Xxxxxxxx Xxxxx Xxxxxx 4 Address S/O: Xxxxxx XxxxxC2-312,Purvarang Society,House Xx-000,Xxxxxx00-XGat No.571,Opp Kesnand Phata,Sector 15 ChandigarhWagholi,ChandigarhTaluka- Haveli,ChandigarhVagholi,ChandigarhHaveli,ChandigarhPune,India,160015 Wagholi,Maharashtra,India,412207 5 Mobile Number 0000000000 6 Email Address xxxx0000@xxxxxx.xxx xxxxxxxxxxxxxxxxx00@xxxxx.xxx 7 Total Loan Amount Sanctioned 27000.0 77538.0 8 Tenure 18 9 9 Interest Amount 0.0 870.0 10 EMI Amount/Advance 1500 8712 11 Term Loan Towards Payment of Education Fees 12 Mode of Repayment NACH Mandate / Auto Debit from Customer Account will the primary mode of Repayment. In case NACH Auto Debit is not successful for any reason and EMI has not been debited for 4 days post EMI Due date, Customer shall pay the EMI directly to designated repayment account via UPI/NetBanking/Debit Card via logging in to his GQ portal 13 Penal Interest 2% p.m. on delay of Principal / Interest / Charges 14 Pre-Payment Charges Zero Charges - conditional upon the entire outstanding loan amount being repaid to the Lender. 15 Foreclosure Charges Zero Charges – conditional upon the entire outstanding loan amount being repaid to the Lender. 16 Validity Period/Date Loan shall be availed within 30 days of this letter unless validity is extended by the Lender.

SETTLEMENT OF DISPUTES AND GOVERNING LAW. Any differences or disputes arising out of or touching the Standard Terms shall be settled solely between ABFL and the Borrower, amicably in the first instance. Unresolved disputes or differences shall be referred to a sole Arbitrator, who shall be appointed by ABFL only and the Borrower shall have no objection to the same. The Arbitration shall be governed by the Arbitration and Conciliation Act 1996 or any statutory modification or re-enactment thereof and the Rules made there under and for the time being in force. The award of the Arbitrator shall be final, conclusive and binding on the parties. The venue of such arbitration proceedings shall be Mumbai and shall be conducted in the English language only. Laws of India shall govern this Standard Terms, the documentation pursuant hereto and Courts in the City of Mumbai having exclusive jurisdiction over all aspects governing the interpretation and enforcement of this Standard Terms and other documentation pursuant hereto. Loan Agreement Annexures Sr. No Particulars Details 1 Date 01/30/2022 01/26/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxx Xxxxxx Xxxxxxxxxxx 4 Address SW/O: Xxxxxx XxxxxXxxxxxxxx,0,XXXXXX XXXX XXXXXX,House Xx-000,Xxxxxx00-XXXX XXXXXXXXXXXX,Sector 15 ChandigarhXxxxxxxxxxxx,ChandigarhXxxxxxx,ChandigarhXxxxxxx,ChandigarhWashermanpet,ChandigarhTamil Nadu,India,160015 India,600021 5 Mobile Number 0000000000 6 Email Address xxxx0000@xxxxxx.xxx xxxxxxxx@xxxxx.xxx 7 Total Loan Amount Sanctioned 27000.0 106800.0 8 Tenure 18 24 9 Interest Amount 0.0 10 EMI Amount/Advance 1500 4450 11 Term Loan Towards Payment of Education Fees 12 Mode of Repayment NACH Mandate / Auto Debit from Customer Account will the primary mode of Repayment. In case NACH Auto Debit is not successful for any reason and EMI has not been debited for 4 days post EMI Due date, Customer shall pay the EMI directly to designated repayment account via UPI/NetBanking/Debit Card via logging in to his GQ portal 13 Penal Interest 2% p.m. on delay of Principal / Interest / Charges 14 Pre-Payment Charges Zero Charges - conditional upon the entire outstanding loan amount being repaid to the Lender. 15 Foreclosure Charges Zero Charges – conditional upon the entire outstanding loan amount being repaid to the Lender. 16 Validity Period/Date Loan shall be availed within 30 days of this letter unless validity is extended by the Lender.

SETTLEMENT OF DISPUTES AND GOVERNING LAW. Any differences or disputes arising out of or touching the Standard Terms shall be settled solely between ABFL and the Borrower, amicably in the first instance. Unresolved disputes or differences shall be referred to a sole Arbitrator, who shall be appointed by ABFL only and the Borrower shall have no objection to the same. The Arbitration shall be governed by the Arbitration and Conciliation Act 1996 or any statutory modification or re-enactment thereof and the Rules made there under and for the time being in force. The award of the Arbitrator shall be final, conclusive and binding on the parties. The venue of such arbitration proceedings shall be Mumbai and shall be conducted in the English language only. Laws of India shall govern this Standard Terms, the documentation pursuant hereto and Courts in the City of Mumbai having exclusive jurisdiction over all aspects governing the interpretation and enforcement of this Standard Terms and other documentation pursuant hereto. Loan Agreement Annexures Sr. No Particulars Details 1 Date 01/30/2022 01/24/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxx Xxxxxx Xxxxxxxxx 4 Address S/O: Xxxxxx XxxxxXxxxxxxx,House Xx-000,Xxxxxx00-XA-62,xxxxxx xxxx society,Sector 15 Chandigarhb/h xxxxxx nagar,Chandigarhkalol,ChandigarhKalol,ChandigarhKalol,ChandigarhGandhinagar,India,160015 Kalol,Gujarat,India,382721 5 Mobile Number 0000000000 6 Email Address xxxx0000@xxxxxx.xxx xxxxx00xxxxxxx@xxxxx.xxx 7 Total Loan Amount Sanctioned 27000.0 33400.0 8 Tenure 18 4 9 Interest Amount 0.0 10 EMI Amount/Advance 1500 8350 11 Term Loan Towards Payment of Education Fees 12 Mode of Repayment NACH Mandate / Auto Debit from Customer Account will the primary mode of Repayment. In case NACH Auto Debit is not successful for any reason and EMI has not been debited for 4 days post EMI Due date, Customer shall pay the EMI directly to designated repayment account via UPI/NetBanking/Debit Card via logging in to his GQ portal 13 Penal Interest 2% p.m. on delay of Principal / Interest / Charges 14 Pre-Payment Charges Zero Charges - conditional upon the entire outstanding loan amount being repaid to the Lender. 15 Foreclosure Charges Zero Charges – conditional upon the entire outstanding loan amount being repaid to the Lender. 16 Validity Period/Date Loan shall be availed within 30 days of this letter unless validity is extended by the Lender.

SETTLEMENT OF DISPUTES AND GOVERNING LAW. Any differences or disputes arising out of or touching the Standard Terms shall be settled solely between ABFL and the Borrower, amicably in the first instance. Unresolved disputes or differences shall be referred to a sole Arbitrator, who shall be appointed by ABFL only and the Borrower shall have no objection to the same. The Arbitration shall be governed by the Arbitration and Conciliation Act 1996 or any statutory modification or re-enactment thereof and the Rules made there under and for the time being in force. The award of the Arbitrator shall be final, conclusive and binding on the parties. The venue of such arbitration proceedings shall be Mumbai and shall be conducted in the English language only. Laws of India shall govern this Standard Terms, the documentation pursuant hereto and Courts in the City of Mumbai having exclusive jurisdiction over all aspects governing the interpretation and enforcement of this Standard Terms and other documentation pursuant hereto. Loan Agreement Annexures Sr. No Particulars Details 1 Date 01/30/2022 01/26/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxx Xxxxxx Xxxxx Gupta 4 Address S/O: Xxxxxx XxxxxXxxxxxxxx Xxxxxx,House Xx-000,Xxxxxx00-Xkutubganj,Sector 15 ChandigarhMirjanhat,ChandigarhJagdishpur,ChandigarhBhagalpur,ChandigarhKutubganj,ChandigarhBihar,India,160015 India,812005 5 Mobile Number 0000000000 6 Email Address xxxx0000@xxxxxx.xxx xxxxxxxxxxx@xxxxx.xxx 7 Total Loan Amount Sanctioned 27000.0 29000.0 8 Tenure 18 9 Interest Amount 0.0 10 EMI Amount/Advance 1500 1612 11 Term Loan Towards Payment of Education Fees 12 Mode of Repayment NACH Mandate / Auto Debit from Customer Account will the primary mode of Repayment. In case NACH Auto Debit is not successful for any reason and EMI has not been debited for 4 days post EMI Due date, Customer shall pay the EMI directly to designated repayment account via UPI/NetBanking/Debit Card via logging in to his GQ portal 13 Penal Interest 2% p.m. on delay of Principal / Interest / Charges 14 Pre-Payment Charges Zero Charges - conditional upon the entire outstanding loan amount being repaid to the Lender. 15 Foreclosure Charges Zero Charges – conditional upon the entire outstanding loan amount being repaid to the Lender. 16 Validity Period/Date Loan shall be availed within 30 days of this letter unless validity is extended by the Lender.

SETTLEMENT OF DISPUTES AND GOVERNING LAW. Any differences or disputes arising out of or touching the Standard Terms shall be settled solely between ABFL and the Borrower, amicably in the first instance. Unresolved disputes or differences shall be referred to a sole Arbitrator, who shall be appointed by ABFL only and the Borrower shall have no objection to the same. The Arbitration shall be governed by the Arbitration and Conciliation Act 1996 or any statutory modification or re-enactment thereof and the Rules made there under and for the time being in force. The award of the Arbitrator shall be final, conclusive and binding on the parties. The venue of such arbitration proceedings shall be Mumbai and shall be conducted in the English language only. Laws of India shall govern this Standard Terms, the documentation pursuant hereto and Courts in the City of Mumbai having exclusive jurisdiction over all aspects governing the interpretation and enforcement of this Standard Terms and other documentation pursuant hereto. Loan Agreement Annexures Sr. No Particulars Details 1 Date 01/30/2022 01/27/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxx Xxxxxx Xxxxxxxx Xxxxxxxx Pillai 4 Address S/O: Xxxxxx Xxxxx000, Xxxxxxxx Xxxxxxxx (Xxxxx Xxxxx),Xxxxxxx Xxxx Xxxx,House Xx-000,Xxxxxx00-XMatunga CR,Sector 15 ChandigarhMatunga,ChandigarhMumbai,ChandigarhMumbai,ChandigarhMumbai,ChandigarhMaharashtra,India,160015 India,400019 5 Mobile Number 0000000000 6 Email Address xxxx0000@xxxxxx.xxx xxxxxxxxxxxxxx@xxxxx.xx.xx 7 Total Loan Amount Sanctioned 27000.0 49668.0 8 Tenure 18 4 9 Interest Amount 0.0 2195.0 10 EMI Amount/Advance 1500 12966 11 Term Loan Towards Payment of Education Fees 12 Mode of Repayment NACH Mandate / Auto Debit from Customer Account will the primary mode of Repayment. In case NACH Auto Debit is not successful for any reason and EMI has not been debited for 4 days post EMI Due date, Customer shall pay the EMI directly to designated repayment account via UPI/NetBanking/Debit Card via logging in to his GQ portal 13 Penal Interest 2% p.m. on delay of Principal / Interest / Charges 14 Pre-Payment Charges Zero Charges - conditional upon the entire outstanding loan amount being repaid to the Lender. 15 Foreclosure Charges Zero Charges – conditional upon the entire outstanding loan amount being repaid to the Lender. 16 Validity Period/Date Loan shall be availed within 30 days of this letter unless validity is extended by the Lender.

SETTLEMENT OF DISPUTES AND GOVERNING LAW. Any differences or disputes arising out of or touching the Standard Terms shall be settled solely between ABFL and the Borrower, amicably in the first instance. Unresolved disputes or differences shall be referred to a sole Arbitrator, who shall be appointed by ABFL only and the Borrower shall have no objection to the same. The Arbitration shall be governed by the Arbitration and Conciliation Act 1996 or any statutory modification or re-enactment thereof and the Rules made there under and for the time being in force. The award of the Arbitrator shall be final, conclusive and binding on the parties. The venue of such arbitration proceedings shall be Mumbai and shall be conducted in the English language only. Laws of India shall govern this Standard Terms, the documentation pursuant hereto and Courts in the City of Mumbai having exclusive jurisdiction over all aspects governing the interpretation and enforcement of this Standard Terms and other documentation pursuant hereto. Loan Agreement Annexures Sr. No Particulars Details 1 Date 01/30/2022 03/10/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxx Xxxxxx Xxxxxxx 4 Address S/O: Xxxxxx Xxxxx Xxxxx Xxxxx,House Xx-000,Xxxxxx00-XXxxxxxx,Sector 15 ChandigarhXxxx Xxxxxx, Xxxx Road,ChandigarhHesal,ChandigarhHehal,ChandigarhRatu,ChandigarhRanchi,India,160015 Hehal,Jharkhand,India,834005 5 Mobile Number 0000000000 6 Email Address xxxx0000@xxxxxx.xxx xxxxxxx.xxxxxx@xxxxx.xxx 7 Total Loan Amount Sanctioned 27000.0 90208.0 8 Tenure 18 11 9 Interest Amount 0.0 0 10 EMI Amount/Advance 1500 9021 11 Term Loan Towards Payment of Education Fees 12 Mode of Repayment NACH Mandate / Auto Debit from Customer Account will the primary mode of Repayment. In case NACH Auto Debit is not successful for any reason and EMI has not been debited for 4 days post EMI Due date, Customer shall pay the EMI directly to designated repayment account via UPI/NetBanking/Debit Card via logging in to his GQ portal 13 Penal Interest 2% p.m. on delay of Principal / Interest / Charges 14 Pre-Payment Charges Zero Charges - conditional upon the entire outstanding loan amount being repaid to the Lender. 15 Foreclosure Charges Zero Charges – conditional upon the entire outstanding loan amount being repaid to the Lender. 16 Validity Period/Date Loan shall be availed within 30 days of this letter unless validity is extended by the Lender.

SETTLEMENT OF DISPUTES AND GOVERNING LAW. Any differences or disputes arising out of or touching the Standard Terms shall be settled solely between ABFL and the Borrower, amicably in the first instance. Unresolved disputes or differences shall be referred to a sole Arbitrator, who shall be appointed by ABFL only and the Borrower shall have no objection to the same. The Arbitration shall be governed by the Arbitration and Conciliation Act 1996 or any statutory modification or re-enactment thereof and the Rules made there under and for the time being in force. The award of the Arbitrator shall be final, conclusive and binding on the parties. The venue of such arbitration proceedings shall be Mumbai and shall be conducted in the English language only. Laws of India shall govern this Standard Terms, the documentation pursuant hereto and Courts in the City of Mumbai having exclusive jurisdiction over all aspects governing the interpretation and enforcement of this Standard Terms and other documentation pursuant hereto. Loan Agreement Annexures Sr. No Particulars Details 1 Date 01/30/2022 01/29/2022 2 Place Mumbai 3 Name of Xxxxxxxx Borrower Xxxxxxxxxx Xxx Xxxxx Xxxxxx 4 Address SX/O: Xxxxxx X Xxxxxxxx Xxxxx,00 xxxx xxxxxx,xxxxx xxxx,Xxxxxxxx,Xxxxx,House Xx-000,Xxxxxx00-XXxxxxx,Sector 15 ChandigarhXxxxxxx,ChandigarhXxxxxxxxx,Chandigarh,Chandigarh,Chandigarh,India,160015 Xxxxx,302031 5 Mobile Number 0000000000 6 Email Address xxxx0000@xxxxxx.xxx xxxxxxxx0@xxxxx.xxx 7 Total Loan Amount Sanctioned 27000.0 67500.0 8 Tenure 18 24 9 Interest Amount 0.0 10 EMI Amount/Advance 1500 2813 11 Term Loan Towards Payment of Education Fees 12 Mode of Repayment NACH Mandate / Auto Debit from Customer Account will the primary mode of Repayment. In case NACH Auto Debit is not successful for any reason and EMI has not been debited for 4 days post EMI Due date, Customer shall pay the EMI directly to designated repayment account via UPI/NetBanking/Debit Card via logging in to his GQ portal 13 Penal Interest 2% p.m. on delay of Principal / Interest / Charges 14 Pre-Payment Charges Zero Charges - conditional upon the entire outstanding loan amount being repaid to the Lender. 15 Foreclosure Charges Zero Charges – conditional upon the entire outstanding loan amount being repaid to the Lender. 16 Validity Period/Date Loan shall be availed within 30 days of this letter unless validity is extended by the Lender.

SETTLEMENT OF DISPUTES AND GOVERNING LAW. Any differences or disputes arising out of or touching the Standard Terms shall be settled solely between ABFL and the Borrower, amicably in the first instance. Unresolved disputes or differences shall be referred to a sole Arbitrator, who shall be appointed by ABFL only and the Borrower shall have no objection to the same. The Arbitration shall be governed by the Arbitration and Conciliation Act 1996 or any statutory modification or re-enactment thereof and the Rules made there under and for the time being in force. The award of the Arbitrator shall be final, conclusive and binding on the parties. The venue of such arbitration proceedings shall be Mumbai and shall be conducted in the English language only. Laws of India shall govern this Standard Terms, the documentation pursuant hereto and Courts in the City of Mumbai having exclusive jurisdiction over all aspects governing the interpretation and enforcement of this Standard Terms and other documentation pursuant hereto. Loan Agreement Annexures Sr. No Particulars Details 1 Date 01/30/2022 01/24/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxxx Xxxxx Xxxxxx Mateyal 4 Address S/O: Xxxxxx Xxxxxxxx Xxxxx,House Xx-000,Xxxxxx00-XVillage Bringali,Sector 15 ChandigarhBringali,ChandigarhMukerian,ChandigarhHoshiarpur,ChandigarhBringli,ChandigarhPunjab,India,160015 India,144224 5 Mobile Number 0000000000 6 Email Address xxxx0000@xxxxxx.xxx xxxxxxxx@xxxxx.xxx 7 Total Loan Amount Sanctioned 27000.0 59467.0 8 Tenure 18 4 9 Interest Amount 0.0 2665.0 10 EMI Amount/Advance 1500 15533 11 Term Loan Towards Payment of Education Fees 12 Mode of Repayment NACH Mandate / Auto Debit from Customer Account will the primary mode of Repayment. In case NACH Auto Debit is not successful for any reason and EMI has not been debited for 4 days post EMI Due date, Customer shall pay the EMI directly to designated repayment account via UPI/NetBanking/Debit Card via logging in to his GQ portal 13 Penal Interest 2% p.m. on delay of Principal / Interest / Charges 14 Pre-Payment Charges Zero Charges - conditional upon the entire outstanding loan amount being repaid to the Lender. 15 Foreclosure Charges Zero Charges – conditional upon the entire outstanding loan amount being repaid to the Lender. 16 Validity Period/Date Loan shall be availed within 30 days of this letter unless validity is extended by the Lender.

SETTLEMENT OF DISPUTES AND GOVERNING LAW. Any differences or disputes arising out of or touching the Standard Terms shall be settled solely between ABFL and the Borrower, amicably in the first instance. Unresolved disputes or differences shall be referred to a sole Arbitrator, who shall be appointed by ABFL only and the Borrower shall have no objection to the same. The Arbitration shall be governed by the Arbitration and Conciliation Act 1996 or any statutory modification or re-enactment thereof and the Rules made there under and for the time being in force. The award of the Arbitrator shall be final, conclusive and binding on the parties. The venue of such arbitration proceedings shall be Mumbai and shall be conducted in the English language only. Laws of India shall govern this Standard Terms, the documentation pursuant hereto and Courts in the City of Mumbai having exclusive jurisdiction over all aspects governing the interpretation and enforcement of this Standard Terms and other documentation pursuant hereto. Loan Agreement Annexures Sr. No Particulars Details 1 Date 01/30/2022 01/23/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxx Xxxxxx Xxxxxxxxx Xxxxxxxxxx Manojkumarsingh 4 Address SW/O: Xxxxxx XxxxxO Kshatriya Manojkumarsingh,House Xx-000,Xxxxxx00-XA/88, Akruti Society,Sector 15 ChandigarhAjay Tenament - 5,Near Mahadevnagar,ChandigarhDaskroi,ChandigarhVastral,ChandigarhAhmedabad,ChandigarhVastral,India,160015 Gujarat,India,382418 5 Mobile Number 0000000000 6 Email Address xxxx0000@xxxxxx.xxx xxxxxxxxxxx000@xxxxx.xxx 7 Total Loan Amount Sanctioned 27000.0 40440.0 8 Tenure 18 4 9 Interest Amount 0.0 10 EMI Amount/Advance 1500 10110 11 Term Loan Towards Payment of Education Fees 12 Mode of Repayment NACH Mandate / Auto Debit from Customer Account will the primary mode of Repayment. In case NACH Auto Debit is not successful for any reason and EMI has not been debited for 4 days post EMI Due date, Customer shall pay the EMI directly to designated repayment account via UPI/NetBanking/Debit Card via logging in to his GQ portal 13 Penal Interest 2% p.m. on delay of Principal / Interest / Charges 14 Pre-Payment Charges Zero Charges - conditional upon the entire outstanding loan amount being repaid to the Lender. 15 Foreclosure Charges Zero Charges – conditional upon the entire outstanding loan amount being repaid to the Lender. 16 Validity Period/Date Loan shall be availed within 30 days of this letter unless validity is extended by the Lender.

SETTLEMENT OF DISPUTES AND GOVERNING LAW. Any differences or disputes arising out of or touching the Standard Terms shall be settled solely between ABFL and the Borrower, amicably in the first instance. Unresolved disputes or differences shall be referred to a sole Arbitrator, who shall be appointed by ABFL only and the Borrower shall have no objection to the same. The Arbitration shall be governed by the Arbitration and Conciliation Act 1996 or any statutory modification or re-enactment thereof and the Rules made there under and for the time being in force. The award of the Arbitrator shall be final, conclusive and binding on the parties. The venue of such arbitration proceedings shall be Mumbai and shall be conducted in the English language only. Laws of India shall govern this Standard Terms, the documentation pursuant hereto and Courts in the City of Mumbai having exclusive jurisdiction over all aspects governing the interpretation and enforcement of this Standard Terms and other documentation pursuant hereto. Loan Agreement Annexures Sr. No Particulars Details 1 Date 01/30/2022 01/28/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxx Xxxxxxx Xxxxxx 4 Address SC/O: Xxxxxx XxxxxRam Biswas,House Xx-000,Xxxxxx00-XNetaji Nagar, Greenway,Sector 15 ChandigarhP.O.- Bongaigaon,ChandigarhBongaigaon,ChandigarhBongaigaon,ChandigarhBongaigaon,ChandigarhBongaigaon,India,160015 Assam,India,783380 5 Mobile Number 0000000000 6 Email Address xxxx0000@xxxxxx.xxx Xx.xxxxxx00@xxxxx.xxx 7 Total Loan Amount Sanctioned 27000.0 30000.0 8 Tenure 18 15 9 Interest Amount 0.0 10 EMI Amount/Advance 1500 2000 11 Term Loan Towards Payment of Education Fees 12 Mode of Repayment NACH Mandate / Auto Debit from Customer Account will the primary mode of Repayment. In case NACH Auto Debit is not successful for any reason and EMI has not been debited for 4 days post EMI Due date, Customer shall pay the EMI directly to designated repayment account via UPI/NetBanking/Debit Card via logging in to his GQ portal 13 Penal Interest 2% p.m. on delay of Principal / Interest / Charges 14 Pre-Payment Charges Zero Charges - conditional upon the entire outstanding loan amount being repaid to the Lender. 15 Foreclosure Charges Zero Charges – conditional upon the entire outstanding loan amount being repaid to the Lender. 16 Validity Period/Date Loan shall be availed within 30 days of this letter unless validity is extended by the Lender.