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. 1 Date 01/26/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxxxxxxxx 4 Address W/O: Xxxxxxxxx,0,XXXXXX XXXX XXXXXX,XXX XXXXXXXXXXXX,Xxxxxxxxxxxx,Xxxxxxx,Xxxxxxx,Washermanpet,Tamil Nadu,India,600021 5 Mobile Number 0000000000 6 Email Address xxxxxxxx@xxxxx.xxx 7 Total Loan Amount Sanctioned 106800.0 8 Tenure 24 9 Interest Amount 0.0 10 EMI Amount/Advance 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. 1 Date 01/26/2022 01/21/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxxxxxxxx Xxxxxx Xxxxxxx Tharali 4 Address WX/O: Xxxxxxxxx,0,XXXXXX XXXX XXXXXX,XXX XXXXXXXXXXXX,Xxxxxxxxxxxx,X Xxxxxxx Xxxxxxx,XxxxxxxA/203, Xxxxxx Palace,,Azade Gaon,,Near RX-15 Udyan Darshan Building,,Dombivali East,,Tilaknagar,WashermanpetKalyan,Tamil NaduThane,India,600021 Kalyan,Maharashtra,India,421201 5 Mobile Number 0000000000 6 Email Address xxxxxxxx@xxxxx.xxx xxxxxx.xxxxxxx@xxxxx.xxx 7 Total Loan Amount Sanctioned 106800.0 65454.0 8 Tenure 24 10 9 Interest Amount 0.0 10 EMI Amount/Advance 4450 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. 1 Date 01/26/2022 01/28/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxxxxxxxx Xxxxxxx Xxxxxx 4 Address WC/O: Xxxxxxxxx,0,XXXXXX XXXX XXXXXXXxxxxx Ram Biswas,XXX XXXXXXXXXXXXNetaji Nagar, Greenway,XxxxxxxxxxxxP.O.- Bongaigaon,XxxxxxxBongaigaon,XxxxxxxBongaigaon,WashermanpetBongaigaon,Tamil NaduBongaigaon,India,600021 Assam,India,783380 5 Mobile Number 0000000000 6 Email Address xxxxxxxx@xxxxx.xxx Xx.xxxxxx00@xxxxx.xxx 7 Total Loan Amount Sanctioned 106800.0 30000.0 8 Tenure 24 15 9 Interest Amount 0.0 10 EMI Amount/Advance 4450 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.

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. 1 Date 01/26/2022 01/27/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxxxxxxxx Xxxxxxxx Xxxxxxxx Pillai 4 Address W/O: Xxxxxxxxx,0,XXXXXX XXXX XXXXXX000, Xxxxxxxx Xxxxxxxx (Xxxxx Xxxxx),Xxxxxxx Xxxx Xxxx,XXX XXXXXXXXXXXXMatunga CR,XxxxxxxxxxxxMatunga,XxxxxxxMumbai,XxxxxxxMumbai,WashermanpetMumbai,Tamil NaduMaharashtra,India,600021 India,400019 5 Mobile Number 0000000000 6 Email Address xxxxxxxx@xxxxx.xxx xxxxxxxxxxxxxx@xxxxx.xx.xx 7 Total Loan Amount Sanctioned 106800.0 49668.0 8 Tenure 24 4 9 Interest Amount 0.0 2195.0 10 EMI Amount/Advance 4450 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. 1 Date 01/26/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxxxxxxxx Xxxxx Xxxxx Gupta 4 Address WS/O: Xxxxxxxxx,0,XXXXXX XXXX XXXXXXXxxxxxxxx Xxxxxx,XXX XXXXXXXXXXXXkutubganj,XxxxxxxxxxxxMirjanhat,XxxxxxxJagdishpur,XxxxxxxBhagalpur,WashermanpetKutubganj,Tamil NaduBihar,India,600021 India,812005 5 Mobile Number 0000000000 6 Email Address xxxxxxxx@xxxxx.xxx xxxxxxxxxxx@xxxxx.xxx 7 Total Loan Amount Sanctioned 106800.0 29000.0 8 Tenure 24 18 9 Interest Amount 0.0 10 EMI Amount/Advance 4450 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. 1 Date 01/26/2022 01/29/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxxxxxxxx Borrower Xxxxxxxxxx Xxx Xxxxx 4 Address WX/O: Xxxxxxxxx,0,XXXXXX XXXX XXXXXXX Xxxxxxxx Xxxxx,00 xxxx xxxxxx,XXX XXXXXXXXXXXXxxxxx xxxx,XxxxxxxxxxxxXxxxxxxx,Xxxxx,Xxxxxx,Xxxxxxx,XxxxxxxXxxxxxxxx,Washermanpet,Tamil Nadu,India,600021 Xxxxx,302031 5 Mobile Number 0000000000 6 Email Address xxxxxxxx@xxxxx.xxx xxxxxxxx0@xxxxx.xxx 7 Total Loan Amount Sanctioned 106800.0 67500.0 8 Tenure 24 9 Interest Amount 0.0 10 EMI Amount/Advance 4450 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. 1 Date 01/26/2022 03/30/2022 2 Place Mumbai 3 Name of Borrower Xxxxxxxxx Xxxxxxx Xxxxxxxx Xxxxxxxxxxx 4 Address W/O: Xxxxxxxxx,0,XXXXXX XXXX XXXXXXC2-312,Purvarang Society,XXX XXXXXXXXXXXXGat No.571,Opp Kesnand Phata,XxxxxxxxxxxxWagholi,XxxxxxxTaluka- Haveli,XxxxxxxVagholi,WashermanpetHaveli,Tamil NaduPune,India,600021 Wagholi,Maharashtra,India,412207 5 Mobile Number 0000000000 6 Email Address xxxxxxxx@xxxxx.xxx xxxxxxxxxxxxxxxxx00@xxxxx.xxx 7 Total Loan Amount Sanctioned 106800.0 77538.0 8 Tenure 24 9 9 Interest Amount 0.0 870.0 10 EMI Amount/Advance 4450 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. 1 Date 01/26/2022 01/24/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxxxxxxxx Xxxxx Xxxxxxxxx 4 Address WS/O: Xxxxxxxxx,0,XXXXXX XXXX XXXXXXXxxxxxxx,XXX XXXXXXXXXXXXA-62,xxxxxx xxxx society,Xxxxxxxxxxxxb/h xxxxxx nagar,Xxxxxxxkalol,XxxxxxxKalol,WashermanpetKalol,Tamil NaduGandhinagar,India,600021 Kalol,Gujarat,India,382721 5 Mobile Number 0000000000 6 Email Address xxxxxxxx@xxxxx.xxx xxxxx00xxxxxxx@xxxxx.xxx 7 Total Loan Amount Sanctioned 106800.0 33400.0 8 Tenure 24 4 9 Interest Amount 0.0 10 EMI Amount/Advance 4450 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. 1 Date 01/26/2022 03/10/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxxxxxxxx Xxxxxxx 4 Address WS/O: Xxxxxxxxx,0,XXXXXX XXXX XXXXXX,XXX XXXXXXXXXXXX,XxxxxxxxxxxxXxxxx Xxxxx Xxxxx,Xxxxxxx,XxxxxxxXxxx Xxxxxx, Xxxx Road,WashermanpetHesal,Tamil NaduHehal,India,600021 Ratu,Ranchi,Hehal,Jharkhand,India,834005 5 Mobile Number 0000000000 6 Email Address xxxxxxxx@xxxxx.xxx xxxxxxx.xxxxxx@xxxxx.xxx 7 Total Loan Amount Sanctioned 106800.0 90208.0 8 Tenure 24 11 9 Interest Amount 0.0 0 10 EMI Amount/Advance 4450 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. 1 Date 01/26/2022 01/30/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxxxxxxxx Xxxxx Xxxxxx 4 Address WS/O: Xxxxxxxxx,0,XXXXXX XXXX XXXXXXXxxxxx Xxxxx,XXX XXXXXXXXXXXXHouse Xx-000,Xxxxxx00-X,XxxxxxxxxxxxSector 15 Chandigarh,XxxxxxxChandigarh,XxxxxxxChandigarh,WashermanpetChandigarh,Tamil NaduChandigarh,India,600021 India,160015 5 Mobile Number 0000000000 6 Email Address xxxxxxxx@xxxxx.xxx xxxx0000@xxxxxx.xxx 7 Total Loan Amount Sanctioned 106800.0 27000.0 8 Tenure 24 18 9 Interest Amount 0.0 10 EMI Amount/Advance 4450 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. 1 Date 01/26/2022 01/24/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxxxxxxxx Xxxxxx Xxxxx Mateyal 4 Address WS/O: Xxxxxxxxx,0,XXXXXX XXXX XXXXXXXxxxxxxx Xxxxx,XXX XXXXXXXXXXXXVillage Bringali,XxxxxxxxxxxxBringali,XxxxxxxMukerian,XxxxxxxHoshiarpur,WashermanpetBringli,Tamil NaduPunjab,India,600021 India,144224 5 Mobile Number 0000000000 6 Email Address xxxxxxxx@xxxxx.xxx 7 Total Loan Amount Sanctioned 106800.0 59467.0 8 Tenure 24 4 9 Interest Amount 0.0 2665.0 10 EMI Amount/Advance 4450 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. 1 Date 01/26/2022 01/23/2022 2 Place Mumbai 3 Name of Xxxxxxxx Xxxxxxxxxxx Xxxxxxxxx Xxxxxxxxxx Manojkumarsingh 4 Address W/O: Xxxxxxxxx,0,XXXXXX XXXX XXXXXXO Kshatriya Manojkumarsingh,XXX XXXXXXXXXXXXA/88, Akruti Society,XxxxxxxxxxxxAjay Tenament - 5,Near Mahadevnagar,XxxxxxxDaskroi,XxxxxxxVastral,WashermanpetAhmedabad,Tamil NaduVastral,India,600021 Gujarat,India,382418 5 Mobile Number 0000000000 6 Email Address xxxxxxxx@xxxxx.xxx xxxxxxxxxxx000@xxxxx.xxx 7 Total Loan Amount Sanctioned 106800.0 40440.0 8 Tenure 24 4 9 Interest Amount 0.0 10 EMI Amount/Advance 4450 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.