Common use of Loan Repayment by the Customer Clause in Contracts

Loan Repayment by the Customer. 9.1. The Customer may (but need not) use the Loan calculator slide, which is provided on the Website, in order to determine, before applying for the Loan, the amount to be repaid to Novum. The Customer may also call Customer Care for a better explanation of the Loan process and applicable fees/Interest due therein. 9.2. Both loan types, i.e. the Bullet Loan and the Instalment Loan, have different repayment periods. In each case, the applicable repayment period shall start at the time of crediting of the Loan to the Customer pursuant to Clause 5. 9.3. With respect to Bullet Loans which have a repayment period of fifteen (15) or thirty (30) days, as agreed between the parties, repayment of the Loan Amount and Loan Interest shall occur in one (1) instalment on the last day of the respective repayment period, as specified in the Loan Agreement to be made available to the Customer. 9.4. The Instalment Loans which have a repayment period of two (2) months, repayment of the Loan Amount and Loan Interest shall occur in two (2) equal instalments (“2-terms Instalment”) at the day the Customer receives his/her income, as indicated by the Customer in the Loan Application and accordingly specified in the Loan Agreement. 9.5. The Customer will repay the Loan at the agreed due date in terms of Clauses 9.3 or 9.4. The repayment consists of the Loan amount and the agreed fees/interest, as applicable, and all additional due fees and charges in accordance with the Loan Agreement. According to Clause 7.1, all re- payments shall be made in Euro (€). 9.6. The Customer may affect repayments into the SEPA bank account identified by its IBAN in the Invoice. 9.7. The Customer shall be entitled at any time to discharge fully or partially his obligations under a Loan by making payments into the account indicated in Clause 9.6. Novum will not collect an early repayment compensation (“Vorfälligkeitsenschätigung”) in either event. 9.8. Payments made by the Customer, including partial payments, shall be allotted according to §§ 1415, 1416 ABGB. 9.9. The Customer is entitled to receive, on request and free of charge, at any time throughout the duration of the Loan Agreement, a statement of account in the form of an amortisation table.

Loan Repayment by the Customer. 9.126.1. The Customer may (but need not) use the Loan calculator slide, which is provided on the Website, in order to determine, before applying for the Loan, the amount to be repaid to Novum. The Customer may also call Customer Care for a better explanation of the Loan process and applicable fees/Interest due therein, as applicable. 9.226.2. Both loan types, i.e. the Bullet Loan and the Instalment Loan, have different repayment periods. In each case, the applicable repayment period shall start at the time of crediting of the Loan to the Customer pursuant to Clause 5on his or her bank account. 9.326.3. With respect to Bullet Loans which have a repayment period of fifteen (15) or thirty (30) days, as agreed between the parties, repayment of the Loan Amount and Loan Interest shall occur in one (1) instalment on the last day of the respective repayment period, as specified in the Loan Agreement to be made available to the Customer. 9.426.4. The Instalment Loans which have a repayment period of minimum two (2) months, repayment of the Loan Amount and Loan Interest shall occur in two (2) or more equal instalments (“2-terms Instalment”) at the day the Customer receives his/her income, as indicated by the Customer in the Loan Application and accordingly specified in the Loan Agreement. 9.526.5. The Customer will repay the Loan at the agreed due date in terms of Clauses 9.3 or 9.4clauses 10.2or 10.3 above by effecting payment to the bank account indicated on the Invoice. The repayment consists of the Loan amount and the agreed fees/interest, as applicable, applicable (as evidenced by the Invoice) and all additional due fees and charges in accordance with the Loan Agreement. According Subject to Clause 7.1, all re- payments repayments shall be made in Euro (€). If it is agreed by Novum that upon request of the Customer he/she shall perform its payment obligations in any other currency, he or she shall be liable for all costs related to the exchange of such currency to Euro. Novum undertakes to inform the Customer of its obligation to indemnify Novum for any costs related to the exchange of another currency to Euro prior acceptance of the Loan Application and disbursement of the Loan. 9.626.6. Each repayment shall be made through a bank account held in the Customer's name. Novum reserves the right to refuse any payment which is not transferred from a bank account held in the Customer's name. 26.7. The Customer may affect should effect repayments into through the SEPA same personal bank account identified into which the Loan has been received. In cases where the Customer uses other means to repay his debt (e.g. speed payment at his/her bank and/or transfer shops), then the fee imposed by its IBAN in the Invoice. 9.7. The Customer relevant service provider for the transfer shall be entitled at any time to discharge fully or partially his obligations under a Loan by making payments into the account indicated in Clause 9.6. Novum will not collect an early repayment compensation (“Vorfälligkeitsenschätigung”) in either event. 9.8. Payments made incurred by the Customer, including partial payments, shall be allotted according to §§ 1415, 1416 ABGB. 9.926.8. The Customer is entitled to receive, on request and free of charge, repay the Loan in full at any time throughout time. 26.9. In case of partial payments made by the duration Customer, the order of allotment shall be the following: (1) any costs incurred by the Bank for recovery of any amounts due; (2) any Rescheduling Fees; (3) any interest on late payments; (4) the Loan AgreementInterest, a statement (5) the principal amount of account Loan, and (6) any other amounts owed by the Customer. 26.10.Any amount shall be considered to have been paid when it is received in the form bank account of an amortisation tableNovum subject to the right of Novum to refuse payment as specified in Clause 10.6.

Loan Repayment by the Customer. 9.110.1. The Customer may (but need not) use the Loan calculator slide, which is provided on the Website, in order website to determine, before applying for the Loan, the amount to be repaid to Novum. The Customer may also call contact Customer Care for a by telephone to better explanation of understand the Loan process and applicable fees/Interest due therein. 9.210.2. Both loan typestypes of loan, i.e. the Bullet Loan and the Instalment Loan, have different repayment periods. In each case, the applicable repayment period shall start at the time of crediting of begins when the Loan is credited to the Customer pursuant to Clause 5on his or her bank account. 9.310.3. With respect to In the case of a Bullet Loans Loan, which have is repayable after a repayment period of fifteen (15) or thirty (30) days, as agreed between the parties, repayment of the Loan Amount and payment of the Loan Interest and the credit costs shall occur be made in one (1) instalment on the last day of the respective repayment period, as specified in the Loan Agreement to be made available to the Customer. 9.410.4. The In the case of an Instalment Loans which have Loan, with a repayment period of at least two (2) months, repayment of the Loan Amount and payment of the Loan Interest and the credit costs shall occur be made in at least two (2) equal instalments (“2-terms Instalment”) at on the day the Customer receives his/her income, as indicated by the Customer in the Loan Application and accordingly days specified in the Loan Agreement. 9.510.5. The Customer will shall repay the Loan at the agreed due date in terms of Clauses 9.3 clauses 10.3 or 9.410.4 above by effecting payment to the bank account indicated on the Invoice. The Customer’s payment obligation shall include the repayment consists of the Loan amount Amount and the payment of the agreed fees/interest, as applicable, applicable (as evidenced – inter alia - by the Invoice) and all the payment of additional due fees and charges in accordance with the Loan Agreement. According to Clause 7.1, all re- payments shall are to be made in Euro (€). 9.6. The Customer may affect repayments into Should Novum, at the SEPA bank account identified by its IBAN in the Invoice. 9.7. The Customer shall be entitled at any time to discharge fully or partially his obligations under a Loan by making payments into the account indicated in Clause 9.6. Novum will not collect an early repayment compensation (“Vorfälligkeitsenschätigung”) in either event. 9.8. Payments made by request of the Customer, including partial paymentsagree to meet its payment obligations in another currency, the customer shall bear all costs in connection with the exchange of this currency intto Euro. Novum undertakes to inform the Customer of its obligation to indemnify Novum for any costs related to the exchange of another currency to Euro prior acceptance of the Loan Application and disbursement of the Loan. 10.6. Each repayment shall be allotted according made through a bank account held in the Customer's name. Novum reserves the right to §§ 1415, 1416 ABGBrefuse any payment which is not transferred from a bank account held in the Customer's name. 9.910.7. Repayments by the Customer must be made to the bank account indicated by Novum. 10.8. The Customer is entitled to receive, on request and free of charge, repay the Loan in full at any time throughout time. 10.9. In case of partial payments made by the duration Customer that are not sufficient to repay the entire due debt, the order of allotment shall be the following: (1) collection costs (2) the Loan Agreement, a statement of account Amount owed according to the Loan Agreement (3) interest. 10.10.Any amount shall be considered to have been paid when it is received in the form bank account of an amortisation tableNovum subject to the right of Novum to refuse payment as specified in Clause 10.6.

Loan Repayment by the Customer. 9.1. The Customer may (but need not) use the Loan calculator slide, which is provided on the Website, in order to determine, before applying for the Loan, the amount to be repaid to Novum. The Customer may also call Customer Care for a better explanation of the Loan process and applicable fees/Interest due therein. 9.2. Both loan types, i.e. the Bullet Loan and the Instalment Loan, have different repayment periods. In each case, the applicable repayment period shall start at the time of crediting of the Loan to the Customer pursuant to Clause 5. 9.3. With respect to Bullet Loans which have a repayment period of fifteen (15) or thirty (30) days, as agreed between the parties, repayment of the Loan Amount and Loan Interest shall occur in one (1) instalment on the last day of the respective repayment period, as specified in the Loan Agreement to be made available to the Customer. 9.4. The Instalment Loans which have a repayment period of minimum two (2) months, repayment of the Loan Amount and Loan Interest shall occur in two (2) or more equal instalments (“2-terms Instalment”) at the day the Customer receives his/her income, as indicated by the Customer in the Loan Application and accordingly specified in the Loan Agreement. 9.5. The Customer will repay the Loan at the agreed due date in terms of Clauses 9.3 or 9.4. The repayment consists of the Loan amount and the agreed fees/interest, as applicable, and all additional due fees and charges in accordance with the Loan Agreement. According to Clause 7.1, all re- payments shall be made in Euro (€). 9.6. The Customer may affect effect repayments into the SEPA bank account identified by its IBAN in the Invoice. 9.7. The Customer shall be entitled at any time to discharge fully or partially his obligations under a Loan by making payments into the account indicated in Clause 9.6. Novum will not collect an early repayment compensation (“Vorfälligkeitsenschätigung”) in either event. 9.8. Payments made by the Customer, including partial payments, shall be allotted according to §§ 1415, 1416 ABGB. 9.9. The Customer is entitled to receive, on request and free of charge, at any time throughout the duration of the Loan Agreement, a statement of account in the form of an amortisation table.