Loan Contract no. (Confirmation of a Loan Contract conclusion)

Transcription

1 Loan Contract no. (Confirmation of a Loan Contract conclusion) This document constitutes a confirmation of conclusion of a loan contract of by and between 1. Creditstar Poland Sp. z o.o with its registered office in Warsaw, Office address: ul.,..-, entered into the National Court Register kept by the District Court for the Capital City of Warsaw, 12th Commercial Division with KRS no., NIP, REGON, share capital paid up in full amounting to PLN hereinafter referred to as the "Lender" and 2...., identity card no, telephone no., address.., correspondence address ul.., PESEL no. hereinafter referred to as the Borrower in accordance with the following terms and conditions: Loan Conditions no : Loan Amount paid to the Borrower: Total Loan Amount Administrative Fee Total Loan Cost Total Amount to be Paid Annual Percentage Rate Loan Repayment Date RRSO Daily interest (1). The Loan Amount shall be paid within days. (2). The Loan Amount shall be paid to the Borrower's bank account no. (3). The Contract shall be valid until, providing that crediting all amounts due arising from this Contract in the Lender's account shall constitute effective release of the Borrower from the duties and liabilities arising from this Contract. (4). Framework Loan Contract no. shall be sent to the Borrower together with this Loan Contract in the form of a durable medium (as a PDF file that can be saved in the Borrower's computer system). (5). Provisions of the Framework Loan Contract shall apply to this Loan Contract, particularly in the following scope: a) loan repayment date and principles, in particular order of payments recognition against amount due for benefit of the Lender; b) the Borrower's right to receive a free Loan repayment schedule at any time; c) information on the costs to be borne by the Borrower in connection with the Loan Contract; d) annual percentage rate for overdue debts, terms and conditions of its change and other fees arising from arrears with the Loan repayment; e) consequences of non-payment; f) term, manner and consequences of withdrawal from the Loan Contract by the Borrower, g) the Borrower's right to earlier Loan repayment; h) information on the terms and conditions of contract termination by notice; i) indication of a supervising authority appropriate for consumer protection issues. (6). Fees connected with delayed repayment of the loan granted, costs of reminders and other costs are specified in the Schedule of Fees and Charges constituting an appendix to the Framework Loan Contract concluded by the

2 Lender and sent to the Borrower at the time of the Framework Loan Contract conclusion and additionally together with this Loan Contract. (7). Form of Declaration of withdrawal from a Loan Contract and Information Form relating to a Loan constitute an appendix to this Loan Contract. (8). Provisions of the Framework Loan Contract shall apply in issues not governed by this Contract. Lender: Borrower:

3 FRAMEWORK LOAN CONTRACT 1. GENERAL PROVISIONS 1. The following terms used in this Framework Loan Contract and in correspondence between the parties to this Contract shall have the following meaning: 1.1. Repayment Date date stipulated in the Loan Contract in which the Borrower is obligated to pay the Amount Due to the account of the Lender or an entity acting on behalf of the Lender in relation to repayments by Borrowers; 1.2. Electronic Communication Channels information transfer and performance of other activities through telephone or the internet; 1.3. Information Form - form containing data of the Loan granted, provided to the Borrower on a Durable Medium following submission of Loan Application and execution of Loan Contract; 1.4. Registration Form electronic form made available on the Lender's Website to the Borrowers to register and submit Loan Applications; 1.5. Individual Bank Account of the Borrower - individual bank account of the Borrower held in the electronic banking system in Polish currency by a bank operating in the territory of the Republic of Poland which is subject to verification described herein by the Lender and to which the Lender or entity acting for the Lender in relation to repayments by Borrowers advances amounts under the Loan Contract; 1.6. Individual Contract Conditions conditions agreed individually by the Borrower with the Lender, provided that Individual Contract Conditions shall mean: Loan amount, term for which the Loan is granted, number of Loan instalments, and Loan repayment date Customer a person interested in contracting a Loan from the Lender; 1.8. Civil Code the act of law of 23 April 1964 the Civil Code (Journal of Laws no. 16, item 93, as amended); 1.9. Lender's Bank Account - individual bank account of the Lender included in the list of bank accounts available on the Lender's Website; User Account - account of the Borrower created by the Lender through the Website as part of the process of submission of the application for execution of this Framework Loan Contract by the Borrower, which allows the Borrower who is logged in to submit Loan Applications and obtain information on Loans currently contracted; Loan Amount Disbursement Amount plus the Administration Fee; Repayment Amount Disbursement Amount plus the Administration Fee referred to in the Framework Loan Contract, and in case of any late payment, also increased by fees and interest charged for late payment; Disbursement Amount amount paid to the Individual Bank Account of the Borrower under a Loan Contract; Debt claim of the Lender against the Borrower concerning repayment of the Loan plus the Administration Fee; Administration Fee the fee due to the Lender from the Borrower at the amount determined in the Loan Contract for preparation, granting and activation of the Loan; Confirmation of Loan Contract Execution document provided by the Lender to the Borrower (on a Durable Medium) confirming execution of each individual Loan Contract and containing information referred to in article 30 of the Consumer Credit Act; Loan the funds provided to the Borrower by the Lender in the form of short-term loan at the amount and on conditions determined in a given Loan Contract; Borrower - a private individual of full legal capacity who meets the requirements referred to in 4.1. of the Framework Loan Contract who as a result of registration and verification is assigned the status of a Borrower, intending to use the right to obtain a Loan and other rights granted in a Loan Contract; Lender Creditstar Poland Sp. z o.o. with its registered office in Warsaw (00-854), ul. AL. JANA PAWŁA II 23, entered in the register of entrepreneurs under number KRS , maintained by the District Court

4 , Commercial Division of the National Court Register; NIP [taxpayer id number] ; REGON [business id number] ; Share capital PLN 5000; Transfer Confirming Registration - one time transfer of PLN 0.01 made by the Borrower from their Individual Bank Account for the purpose of registration of the Borrower on the Website, verification of the Borrower's identity, processing of the Loan Application, and also confirmation by the Borrower of the terms and conditions of this Framework Loan Contract; Framework Loan Contract this Framework Loan Contract, constituting an integral part of any Loan Contract; Terms and Conditions the Terms and Conditions of providing services electronically by the Lender; APR Annual Percentage Rate, that is the total cost of a Loan paid by the Borrower, expressed as percentage of a Loan amount annually; Website website where the Borrower registers electronically, submits Loan Applications and executes Loan Contracts with the Lender; Party the Lender and/or the Borrower individually; Parties the Lender and the Borrower jointly; Schedule of Fees and Charges - determination of total amounts of Loans and also rates of fees, charges and interest applied by the Lender in execution of Loan Contracts, and also charges related to late repayment of any Loan, constituting an integral part of this Framework Loan Contract; Durable Medium material or device for storage and retrieval of information provided to the Borrower in relation to a Contract, for a time appropriate for the purposes for which such information serves and allowing recovery of such information in unchanged form; Loan Contract any (that is the initial and any subsequent) loan contract executed between the Lender and the Borrower, through execution of this Framework Loan Contract and agreement on Individual Terms of Contract; Consumer Credit Act the act of 12 May 2011 on consumer credit (Journal of Laws no. 126 item 715); Consumer Rights Act the act of 30 May 2014 on consumer rights (Journal of Laws no item 827); Act on Disclosure of Economic Information and Exchange of Economic Data the act of 9 April 2010 on disclosure of economic information and exchange of economic data (Journal of Laws no. 81 item 530, as amended); Verification - control activities performed by administration staff of the Lender holding relevant authorizations, consisting of verification in terms of conformity of information and data entered in the Registration Form by the Borrower, and also verification of the Borrower in databases of unreliable debtors; SMS text message sent between GSM system subscribers; Loan Application application submitted by the Borrower as determined in the Framework Loan Contract the purpose of which is execution of a Loan Contract. 2 SUBJECT OF THE CONTRACT 2.1. The subject of this contract is granting a Loan by the Lender to the Borrower, which the Borrower is obligated to repay to the Lender on the terms and conditions determined in the Loan Contract and the Framework Loan Contract A loan is deemed as granted upon receipt of a transfer in the Individual Bank Account of the Borrower Loans may only be granted in Polish zloty. 3 TERMS AND CONDITIONS OF GRANTING LOANS 3.1. Under this Framework Loan Contract, the Lender grants Loans to private individuals of full legal capacity who meet the following requirements: The Borrower is registered on the Website of the Lender and has created a User Account; The Borrower made the Transfer Confirming Registration; The Borrower properly submitted a Loan Application which was accepted by the Lender; The Borrower was subject to Verification with positive outcome;

5 The Parties executed a Loan Contract in the manner determined in this Framework Loan Contract; At the time of applying for a Loan, the Borrower has no overdue payments due to the Lender; The Borrower complies with the remaining terms and conditions stipulated herein. 4. REPRESENTATIONS OF THE BORROWER 4.1. By registering on the Website and submitting a Loan Application, the Borrower represents that: The Borrower is a consumer as defined in the Consumer Credit Act and executes the Loan Contract with the Lender for the purpose not directly related to any business activity; At the time of submission of the Loan Application, the Borrower is between 18 and 70 years old; The Borrower has registered place of residency in the territory of Poland and also holds a PESEL number and Polish identity card; The Borrower has not been registered in any database of unreliable debtors; The Borrower is not aware of any circumstances that may harm the Borrower's ability to repay the Loan The Borrower is liable to the Lender for correctness and accuracy of the above representations and also data provided in the Loan Application The Borrower agrees to perform without any objection any obligations under the Loan Contract and in relation to performance of such obligations, after receipt of the Loan, accepts liability for any consequences related to late payments and accidental risk The Borrower undertakes to make every effort not to disclose to any third party any confidential information of the Borrower (including address and password). The Borrower is obligated to use only secure electronic links and data transfer means and devices. 5. REPRESENTATIONS OF THE LENDER 5.1. The Lender agrees to: 1. Grant a Loan immediately after approval of any application, however, not earlier than after compliance with the conditions of loan advancement referred to in 3 sections ; 2. Make available on the Website information on any changes in the conditions of granting Loans; 3. Properly and in compliance with applicable laws and regulations protect personal data of the Borrower provided to the Lender in relation to a Loan Contract. 6. BORROWER REGISTRATION 6.1. Registration on the Website and creation of a User Account which is active at the time of submitting Loan Application constitute conditions of submitting a Loan Application and obtaining a Loan The Customer completing the Online Form is obligated to provide the following data: forename and surname (with the use of Polish letters), PESEL number, series and number of identity card, validity date of identity card, registered address, correspondence address, address, current mobile telephone number, and name of the bank from which the Customer intends to make the Transfer Confirming Registration, determination of the source and amount of any income, indication of address and contact details of the employer, education, information on other debt, information on the financial standing (number of loans and/or credits being repaid, ownership of real property, pending enforcement procedures, sources of income, average monthly spending), and the purpose of the loan, and also the Customer is obligated to confirm that the Customer has read the Framework Loan Contract and the Terms and Conditions available on the Website of the Lender. 6.3 To obtain access to the User Account created, the Borrower provides address of the Borrower and password with which the Borrower will confirm their identity and will be able to log in to their User Account.

6 6.4. By registering on the Website and submitting a Loan Application, the Borrower represents that: the Borrower has read the Framework Loan Contract available on the Website of the Lender; it is the Borrower's intention to execute a Loan Contract at a distance as defined by the Consumer Credit Act; the Borrower agrees to verification of information concerning the source and amount of income of the Borrower over the telephone; the Borrower voluntarily gives consent to processing of their personal data by the Lender to execute a Loan Contract; the Borrower has been informed of the right to access their personal data collected by the Lender and also of the right to correct their personal data collected by the Lender; the Borrower grants to the Lender authorization to: - apply to InfoMonitora Biuro Informacji Gospodarczej S.A. with its registered office in Warsaw and obtain economic information on debt of the Borrower, including information constituting bank secret, obtained from Biuro Informacji Kredytowej S.A. and Polish Bank Association. At the same time, the Borrower authorizes Biuro Informacji Kredytowej S.A. with its registered office in Warsaw and Polish Bank Accociation with its registered office in Warsaw to provide to InfoMonitor Biuro Informacji Gospodarczej S.A., from the information resources of such institutions, including information constituting bank secret, information on the Borrower's debt to banks and institutions authorized to grant credit, exceeding PLN 200 (two hundred Polish zloty) or no data on such debt; - apply to Krajowy Rejestr Długów Biuro Informacji Gospodarczej S.A. with its registered office in Wrocław and obtain information from the information resources of such institutions, including information constituting bank secret, on the Borrower's debt to banks and institutions authorized to grant credit, exceeding PLN 200 (two hundred Polish zloty) or no data on such debt; - apply to Rejestr Dłużników ERIF Biuro Informacji Gospodarczej S.A. with its registered office in Warsaw and obtain information from the information resources of such institutions, including the same constituting bank secret, on the Borrower's debt to banks and institutions authorized to grant credit, exceeding PLN 200 (two hundred Polish zloty) or no data on such debt; 6.5. in accordance with the Act on Disclosure of Economic Information and Exchange of Economic Data of 9 April 2010 (Journal of Laws of 2010, No. 81, item 530), the Borrower authorizes the Lender to provide information on the Borrower's performance of their financial obligations to the Lender under this Contract to: - BIG InfoMonitor S. A. with its registered office in Warsaw, ul. Canaletta 4; - Krajowy Rejestr Długów Biuro Informacji Gospodarczej S.A., ul. Armii Ludowej 21, Wrocław; - Rejestr Dłużników ERIF Biuro Informacji Gospodarczej S.A., ul. Plac Bankowy 2, Warsaw 6.6. The Borrower is obligated to provide true and correct information in the Online Form. In case of any doubts of the Lender if the data provided by the Customer in the Online Form is true and correct, the Lender is entitled to refuse registration of the Customer on the Lender's Website. Provision of incorrect data misleading the Lender resulting in misadministration of its assets may give rise to criminal liability After correct completion of the Online Form, the Customer will be provided, through the Website, with data necessary to make the Transfer Confirming Registration: recipient's data, recipient's account number, transfer amount compliant with then applicable amount of Transfers Confirming Registration in accordance with the Schedule of Fees and Charges available on the Lender's Website and the transfer title To confirm registration, the Customer is obligated to make a Transfer Confirming Registration to the Lender's Bank Account, entering in the transfer title the text compliant with the message received electronically after correct completion of the Online Form. In case when the Customer holds the Individual Bank Account with the bank not listed on the Website of the Lender, the Borrower is obligated to make the Transfer Confirming Registration in accordance with the instructions available on the Lender's Website.

7 6.9. After the Lender receives the Transfer Confirming Registration with transfer title compliant with the text provided to the Customer as stipulated in 6 section 8 above, registration is deemed as complete and the Customer is sent temporary password for logging on the Website to the address provided in the Online Form, and also is assigned the status of the Borrower During the first logging on the Website, the Borrower sets up personal access password to the User Account. The Borrower undertakes not to disclose the password to third parties The Borrower is identified by the Lender through logging on the Website to the User Account with the use of the address provided by the Borrower and personal access password set by the Borrower during first logging in on the Website. In case of using a mobile phone, the Lender identifies the Borrower with the use of the mobile telephone number provided in the Online Form. 7. CHANGE OF THE BORROWER'S DATA 7.1. In case of loss of password, the Borrower should follow the instructions available on the Website. After completion of all instructions, the Borrower will be sent temporary password to the address provided in the Registration Form which should be then changed promptly by the Borrower after logging into the Website In case of a change of the mobile telephone number or address, the Borrower is obligated to give current mobile telephone number and current address logging into their User Account and making changes of the Borrower's data In case of a change of the Individual Bank Account of the Borrower or the intention to add a new Individual Bank Account, the Borrower is obligated to make another Transfer Confirming Registration at the amount indicated in the Schedule of Fees and Charges on the Lender's Website. The Borrower should include their PESEL number in such transfer title In case of a change of the forename or surname of the Borrower, the Borrower is obligated to make another Transfer Confirming Registration at the amount indicated in the Schedule of Fees and Charges on the Lender's Website. The Borrower should state their PESEL number and identity card number in such transfer title. The Borrower is also obligated to send by registered mail to the Lender's address a copy of their identity card containing current forename and surname and copy of the document confirming change of the forename or surname. 8. FIRST LOAN APPLICATION 8.1. At the time of registration on the Website, the Borrower simultaneously submits the first Loan Application indicating the proposal of Individual Contract Conditions, that is the loan amount and loan repayment date. Registered Borrower may submit Loan Applications exclusively with the use of the Online Form Immediately after submission of a Loan Application, before execution of a Loan Contract, the Lender will provide to the Borrower (on a Durable Medium) Information Form concerning the Loan covered by the Application of the Borrower, and such provision will have the form of a PDF file allowing saving it on the computer of the Borrower, to the address of the Borrower provided in the Registration Form The total cost of granting a Loan is equal to the amount set out in the Schedule of Fees and Charges Submitting a Loan Application, the Borrower simultaneously makes the representations referred to in 6 sections 4 and 5, provided that making such representations and giving consent in the above scope will occur through marking appropriate boxes in the Loan Application. If the representations referred to in 6 sections 4 and 5 of the Framework Loan Contract are not made, the Loan Application will be rejected The Loan Amount will be transferred to the Individual Bank Account of the Borrower, immediately after the Lender sends to the Borrower electronic notification of the amount of the Loan granted, Schedule and Date of Loan Repayment via SMS sent to the mobile telephone number of the Borrower and/or sending an to the address of the Borrower provided in the User Account. The Lender reserves the right to transfer the amount of the Loan to the Bank Account of the Borrower through the entity acting for the Lender in relation to advancing the Loans.

8 8.6. After the Lender accepts correct application of the Borrower for the first Loan, the Lender will provide to the Borrower on a Durable Medium the Framework Loan Contract, Information Form, Confirmation of Loan Contract Execution and a model declaration of withdrawal from the Loan Contract (in the form of PDF files with an option to save them on the Borrower's computer), and additionally those documents will be available to view after logging into the User Account by the Borrower on the Website (in the form of files with an option to save them on the Borrower's computer). Documents referred to in the preceding sentence will be sent in the form of PDF files with an option to save them on the Borrower's computer, and to the address of the Borrower provided in the Registration Form. 8.7 After receipt of the documents referred to in section 8.6, the Borrower is obligated to print the Framework Loan Contract and Confirmation of Loan Contract Execution, sign one copy of each of those documents and send those documents to the correspondence address of the Lender. Not sending those documents by the Borrower or sending those documents to the Lender without a signature will not constitute basis for finding that the Loan was not granted. After receipt of documents signed by the Borrower, as described above, the Lender will immediately send back to the Borrower, to the residential address of the Borrower provided in the Registration Form, one copy of each of those documents signed by the Lender The Borrower will be responsible to the Lender for correctness and accurateness of the information provided in the Loan Application and any information provided under the Loan Contract The Lender is not obligated to notify the Borrower of the reasons of rejection of any Loan Application, except for the situation where refusal to grant a Loan was due to any information included in the Lender's database and data collection Submitting correct Loan Application is equivalent to granting consent by the Borrower to verify the Borrower's data in databases of unreliable debtors, in accordance with the Act on Disclosure of Economic Information and Exchange of Economic Data Granting a loan is exclusively at the discretion of the Lender. The Borrower meeting the requirements of granting a Loan as defined in the Framework Loan Contract does not constitute an entitlement to any claim of Loan disbursement or any other claims related to refusal to grant a Loan. 9. LOAN APPLICATION VERIFICATION 9.1. The Borrower submitting a Loan Application confirms that on the date of submission of such Loan Application the Borrower complies with the requirements referred to in 4 section 1 of the Framework Loan Contract. Moreover, the Borrower authorizes the Lender to verify if the data provided in a Loan Application is true and correct on the basis of publicly available data, lists and registers, and also to contact the Borrower to remove any defects in the Loan Application or doubts concerning the Borrower's data arising during Loan Application verification The Lender analyzing a Loan Application verifies in particular if the data provided in the Loan Application is true and correct on the basis of publicly available data, lists and registers, and reviews current debt due to the Lender on account of any Loans and due to other entities on the basis of information included in databases of debtors The Lender is entitled to contact the Borrower via telephone to verify if the data provided in the Registration Form is true and correct and to verify creditworthiness of the Borrower. Provision of an answer to any question is voluntary, however, refusal to provide an answer to any of the questions may result in loan application rejection The Lender is entitled to refuse to grant a Loan to the Borrower, notifying the Borrower through sending to the Borrower electronic notification to the Borrower's address provided in the User Account or a text message (SMS) to the mobile telephone number of the Borrower. The Lender is not obligated to state the reasons of rejection of any Loan Application, except for the situation where refusal to grant a Loan was due to any information included in the Lender's database and data collection The Lender will not process any Application and will not make any decision, if the Borrower breaches any provisions of the Loan Contracts executed previously with the Lender. 10. LOAN DISBURSEMENT

9 10.1. The Loan Contract becomes effective at the time when the Lender makes a decision on granting the Loan and notifies the Borrower accordingly in the manner determined in the Framework Loan Contract In case when the proposed Loan amount is lower in the Lender's decision than the Loan amount proposed in the Loan Application, the Loan Contract will become effective upon the Borrower giving consent to the amount proposed by the Lender, and the declaration on consent may be made by the Borrower through the Registration Form, and also through sending a text message (SMS) to the telephone number of the Lender provided on the Website or calling the Lender's telephone number provided on the Website. The Borrower agrees to the conversation with the Lender being recorded The Lender disburses the Loan to the Borrower through transfer of the Loan to the Individual Bank Account of the Borrower upon the Loan Contract entering into force. Making such transfer is deemed as granting the Loan to the Borrower. The Lender reserves the right to transfer the amount of the Loan to the Bank Account of the Borrower through the entity acting for the Lender in relation to advancing the Loans. The loan term is calculated from the date on which the Borrower receives the Loan as described in this section. 11. SUBSEQUENT LOAN APPLICATION The Lender will grant to the Borrower subsequent Loans each time on the basis of a separate Loan Contract executed by the Parties at a distance. The Lender may offer to the Borrower subsequent loan on preferential conditions each time provided on the Website The Borrower cannot use more than one Loan at the same time. Any subsequent Loan Applications may be submitted only after any previous Loan is repaid in full by the Borrower, payment of the Administration Fee due, and performance of all obligations of the Borrower for the benefit of the Lender on account of any previous Loan Any subsequent Loan Application may be submitted by registered Borrower through the Online Form, and also calling the telephone number of the Lender provided on the Website and providing all information required to the Lender verbally. The Borrower agrees to the conversation with the Lender being recorded Submitting any subsequent Loan Application the Borrower is obligated to state proposal of Individual Contract Conditions, namely that Loan amount, the term for which such Loan is to be granted, number of instalments and Loan repayment date. Additionally, the Borrower makes the representations in accordance with provisions of 8 section 4 of the Framework Loan Contract Immediately after submitting a subsequent Loan Application, before execution of a Loan Contract, the Lender will provide to the Borrower the Information Form concerning the Loan covered by the Lender's Application, and such provision will be on a Durable Medium, in the form of a PDF file with an option to save it on the Borrower's computer, sent to the address of the Borrower provided in the Registration Form Any subsequent Loan Application which does not comply with the requirements set out in the Framework Loan Contract will be rejected After submission of correct subsequent Loan Application, the Lender will verify the subsequent Loan Application as described in 9 section The subsequent Loan Amount will be transferred to the Individual Bank Account of the Borrower, immediately after the Lender sends to the Borrower electronic notification of the Disbursement Amount, Repayment Date via SMS sent to the mobile telephone number of the Borrower and/or sending an to the address of the Borrower provided in the User Account. The Lender reserves the right to provide the subsequent Loan amount to the Bank Account of the Borrower through the entity acting for the Lender in relation to advancing the Loans After a subsequent Loan Application is accepted by the Lender, the Lender will provide to the Borrower the Framework Loan Contract, Confirmation of Loan Contract Execution, Information Form and Withdrawal Form, as documents available after logging into the Website of the Lender (in the form allowing saving on the Borrower's computer). Additionally, documents indicated in the preceding sentence will be sent by the Lender to the address of the Borrower provided in the Registration Form, in the form of PDF files with an option to save them on the Borrower's computer.

10 Processing of a subsequent loan application after the Lender changes the model Framework Loan Contract will be done only after the Borrower accepts such new model Contract. The Borrower will be instructed separately on how to do that Matters not regulated in this 11 will be governed by applicable provisions of this Framework Loan Contract. 12. COSTS RELATED TO LOANS The total cost of a Loan includes the Administration Fee, compliant with the Schedule of Fees and Charges constituting Appendix hereto and available on the Website of the Lender The Annual Percentage Rate for Loans granted by the Lender is available on the Website of the Lender, and it is also provided in Individual Contract Conditions, Information Form and Confirmation of Loan Contract Execution The Lender may from time to time grant discounts, and also change from time time (decrease or waive) the Administration Fee or offer other promotional conditions of Loans, and the Borrower will be notified accordingly each time The costs related to granting a Loan, prolongation thereof or delays in repayment, are set out in the Schedule of Fees and Charges constituting Appendix to this Framework Loan Contract and available on the Website of the Lender. 13. CONDITIONS OF LOAN REPAYMENT The Borrower undertakes to repay the Loan on the Loan Repayment Date The debt becomes payable on the Repayment Date determined in the Individual Contract Conditions Any break in access to the Lender's Website does not release the Borrower from the obligation to repay the Loan at its maturity date The Borrower may check the date of Loan repayment and current Loan repayment amount logging into the User Account The Lender is entitled to notify the Borrower through SMS messages sent to the Borrower's mobile telephone number provided in the Registration Form of the current amount of the Loan and the Loan Repayment Date If the Repayment Date is a public holiday in Poland, the Debt will be payable on the following business day in Poland Payments set out in the Loan Contract and the Schedule should be made in the currency of the Loan, that is in Polish zloty The Borrower, repaying the Loan or part thereof to the Lender's Bank Account, is obligated to include in the transfer title the loan contact number and reference number The Lender allows repayment of any Loan by a third party or from a bank account different than the account to which the loan was advanced, however, the transfer title must include the loan contact number and reference number The date of crediting the Lender's Bank Account provided in the Individual Contract Conditions will be deemed as the date of Loan repayment The Parties agree that the amounts paid by the Borrower to the Lender will be first recognized as: a) fees for payment reminders sent in accordance with this Framework Loan Contract; b) interest for late loan repayment; c) Administration Fee; d) Disbursement Amount The Borrower is entitled to repay the Loan in part or in full before the Loan Repayment Date. In case of the repayment of the full or part of the Loan before the Repayment Date, the total cost of the Loan is decreased by such costs which apply to the period by which the term of the Loan is shortened.

11 In case of early repayment of the Loan in full, the Administration Fee is decreased by such costs which apply to the period by which the Loan availability to the Borrower is shortened If the Borrower repays an amount greater than the Loan amount, the Lender will refund the excess amount to the Account of the Borrower. If any debt is due to the Lender from the Borrower under other Loans, the Lender is entitled to offset such excess amount against such other Loans. 14. EXTENSION OF THE LOAN REPAYMENT PERIOD The Borrower to whom a Loan is granted is entitled to extend the period of Loan repayment by the time selected from the list available on the Website, without the need to repay the amount of the Loan granted under previous Loan Contract, provided that the Borrower first pays the fee for extension of Loan repayment term at the amount set out in the Schedule of Fees and Charges The Borrower making payment determined in section 13.1 hereof, is obligated to include in the payment title the Loan number which is to be extended and PESEL number of the Borrower. The Lender reserves the right to provide the option of the Borrower paying the fee for extension of the Loan repayment period through the entity acting for the Lender in relation to Loan repayment by Borrowers Extending the Loan Contract term, the Lender will send to the Borrower on a Durable Medium electronic notification on extension of the Loan repayment term (in the form of a PDF file with an option to save it on the Borrower's computer) The Lender is entitled to refuse to extend the Loan Contract without notifying the Borrower of the reason of such refusal Matters not regulated in this chapter concerning any Loan Contract executed as an extension of the period of loan repayment will be governed by applicable provisions concerning execution of Loan Contracts, save any provisions concerning transfer of the Loan amount to the Borrower. 15. LATE LOAN REPAYMENT If the Loan or any part thereof is not repaid on time, the Borrower will be obligated to pay, in addition to the Loan amount, interest for late loan repayment, that is for the period from the Loan Repayment Date to the date of crediting the Loan amount in the Lender's Bank Account; Interest for late repayment of the loan are charged at the maximum interest rate determined in article 359 2(1) of the Civil Code, that is two times the statutory interest rate If a Loan or any part thereof is not repaid on time, the Borrower will pay to the Lender a Fee for telephone, electronic, SMS or paper reminders at the amount stipulated in the Schedule of Fees and Charges constituting appendix hereto, and also available on the Lender's Website If the Borrower is not performing or is not properly performing their obligations under the Loan Contract, the Lender is entitled to transfer the right to enforce any overdue payments to third parties, and such transfer of rights may also include processing of personal data of the Borrower, entering such data in public databases and transfer of personal data of the Borrower to the transferee of rights (assignee). In case of enforcement of any overdue payments, the cost of enforcement will be the responsibility of the Borrower If the conditions determined in article 14 or 16, 17 or 18 of the Act on Disclosure of Economic Information and Exchange of Economic Data of 9 April 2010 are met jointly, the Lender is entitled to transfer the information on any debt of the Borrower to Economic Information Bureaus The Lender is entitled to assign any debt under any Loan Contract, including before due date, to any third party Debt collection activities for which the Borrower may be charged with costs will be performed not earlier that after prior decision that previous activities were ineffective, however, this restriction will not apply to debt collection activities for which the Lender does not charge any fees. Fees for any debt collection activities may not exceed PLN 15 per day and PLN 55 in a given accounting month.

12 16. RIGHT TO WITHDRAW The Borrower is entitled to withdraw from the Contract without cause within 14 days from the date of Contract execution The Borrower is entitled to withdraw from any specific Loan without cause within 14 days from the date of transferring the Loan by the Lender to the Bank Account of the Borrower The Borrower exercises their right to withdraw through sending a written declaration of withdrawal to the correspondence address of the Lender. Model declaration of withdrawal is available after logging into the Website of the Lender, and also is sent by the Lender after each Loan Contract execution (in the form of a PDF file with an option to save it on the Borrower's computer) The Borrower upon making a declaration of withdrawal from the Contract is obligated to return the Loan Amount, not later than within 30 days from the date of making such declaration of withdrawal from the Contract. 17. COMPLAINTS Any complaint related to the Loan Contract must be sent by the Borrower by registered letter to the correspondence address of the Lender No complaint will be valid unless made in writing The Lender will process any complaint within 30 days from the date of receipt of a written complaint. If a complaint cannot be processed within such time limit, the Lender will notify the person making such complaint in writing, within such time limit, about the cause of such delay and the anticipated date of complaint processing In case of a breach of the complaint processing conditions, complaint may not be accepted. 18. MISCELLANEOUS The Framework Loan Contract is concluded for undefined period of time Each of the Parties is entitled to terminate this Contract with 1-month's notice period with written notification provided to the correspondence address of the other Party. Termination of the Framework Loan Contract will not result in termination of any individual Loan Contract executed under this Framework Loan Contract The Lender may terminate this Contract with immediate effect in case when: a) data provided by the Borrower during registration is not true and correct or the Lender is unable to verify such data; or b) the Borrower is late in Loan repayment by more than 30 calendar days Termination of this Contract by the Lender due to reasons described in section 18.3 will make the Loan paid out to the Borrower immediately payable The Lender is not responsible for any breaks in access to the Website caused by force majeure and through no fault of the Lender or any circumstances for which the Lender is not responsible or which could not have been avoided without unreasonable additional costs The Lender is entitled to amend this Framework Loan Contract with notification of such amendment on its Website. The amended Framework Loan Contract will apply only to the Loan Contracts executed after the effective date of such amended Framework Loan Contract The Borrower undertakes to notify the Lender immediately about any change in any data provided in the Registration Form and Loan Application until all obligations under the Loan Contract are completed This Framework Loan Contract applies to the first and any subsequent Loans granted to the Borrower by the Lender.

13 18.9. The Parties to this Framework Loan Contract acknowledge that any data sent in SMS messages, through the Online Form and other electronic means of communication are deemed as a declaration of will of each of the Parties and have full legal effect The Loan Conditions constitute an integral part of Loan Contracts, and in case of any discrepancies between provisions of the Conditions and the Contract, provisions of the Contract will prevail Any Loan Contract is governed by and will be interpreted in accordance with Polish law Any dispute will be resolved by common court with jurisdiction over the place of residence or registered office of the defendant or the court with jurisdiction over the place of the obligation performance The authority competent in consumer protection matters is the President of the Office of Competition and Consumer Protection (address: Plac Powstańców Warszawy 1, Warsaw) The following appendices constitute an integral part of this Contract: Schedule of Fees and Charges, Loans Conditions, Model Declaration of Withdrawal, and Confirmation of Loan Contract Execution.

14 LOAN AGREEMENT CREDITSTAR CZECH s. r. O. Company ID: Registered office: Pobřežní 249/46, Karlín, Praha 8 Registered in the Commercial Register maintained by the Municipal Court in Prague, file number C Phone: info@creditstar.cz Website: Bank account No.: /2010 hereinafter referred to as the CREDITOR FIRST NAME AND SURNAME AND ID No.: ID card or Right of the permanent residence document No.: Permanent address: Contact address: Phone: Bank account No.: hereinafter referred to as the CLIENT have agreed on the following day, month and year that according to 2390 et seq. Of the Act No. 89/2012 Coll., The Civil Code (hereinafter referred to as the "CT") and Act No. 257/2016 Coll., The Consumer Credit Act, conclude this LOAN AGREEMENT The subject of this agreement is the creditor's obligation to transfer to the Client a monetary loan at the agreed amount according to the client's request made through the Creditor's web interface available at where the Client has registered and the Client's obligation, at the agreed time to return a monetary loan with interest at the agreed amount, all under the terms of this Agreement and the General Terms and Conditions (hereinafter referred to as the "GTC") of the Creditor, which form an integral part of this Agreement. The contracting parties agree on the individual loan terms as follows: INDIVIDUAL CONDITIONS OF THE LOAN AGREEMENT:

15 Loan type: Amount of the loan in CZK (lent amount): Method of drawing: Interest rate of the loan (%): Due date of the loan: Total amount payable on the loan due date: CZK Cashless 0.9% daily from the amount lent DD.MM.YYYY CZK This agreement is concluded through means of distance communication in the manner specified in the GTC in Articles to available at and which are an integral part of this contract. By signing this agreement, the Client agrees with the wording of the GBC and confirms it. In the event of a delay in repayment of the loan back to the creditor to bank account specified in the contract, the contracting parties shall enter into daily interest for late payment in the amount of 0.1% of the amount owed. The creditor shall provide the Client with mandatory information in accordance with the provisions of Section 106 of Act No. 257/2016 Coll., The Consumer Credit Act, as amended, hereinafter referred to as "CCA" below, and by concluding this agreement, the Client confirms that he has familiarized himself with this information and he understood them. Type of consumer credit Monetary, non-purpose loan Contact details of the parties... Total amount of consumer credit and method of drawing Duration of the loan Borrowing interest rate CZK, cashless days 0.9% daily from the amount lent APR % Number of installments 1-3 Installment(s) amount Term (s) of installment (s) Interest on arrears Other sanctions for delay Supervisory Authority CZK DD.MM.YYYY 0.1% daily from the amount owed None See GTS

16 Out-of-court dispute resolution See GTC The client has the right to receive at any time, free of charge, a statement of account in the form of an amortization table (the tables showing the due payments, the deadlines and conditions relating to the repayment of these amounts, the breakdown of each repayment showing the amortization of the principal, interest calculated on the basis of the interest rate and any additional costs. Questions not governed by this Agreement are governed by the Creditor's General Terms and Conditions, which form an integral part of this Agreement. The contracting parties conclude this agreement on the basis of their serious and free will, read their contents and conclude their agreement with.

17 APPENDIX 2 to Cooperation Agreement No 8/2017 by and between AS Mintos Marketplace and Creditstar Czech s.r.o. GENERAL BUSINESS TERMS OF LOAN CONTRACTS ENTERED INTO BETWEEN CREDITSTAR CZECH S.R.O. AND ITS CLIENTS WHERE: A) CREDITSTAR CZECH S.R.O., Registered Office at Pobřežní 249/46, Karlín, Prague 8, registered in the Public Register kept with the Municipal Court in Prague, Section C, Enclosure , tel. no , address info@creditstar.cz, webpage bank account no /2010 (hereinafter referred to as the Creditor ) provides to natural persons over 18 with permanent residence in the Czech Republic (hereinafter referred to as Client ) non-bank monetary loans; B) The Creditor determines in these contractual terms and conditions the business terms pertaining to Loan Contracts the Creditor makes with the Clients and in which the Creditor determines the Creditor s rights and obligations as a provider of monetary loans as well as the Clients rights and obligations as beneficiaries of such loans and further, also the terms of the provisions and payment of such loans, a procedure in case of the termination of the contract, legal consequences in case of failure to perform obligations following from the contract, as well as other terms and conditions (hereinafter referred to as the General Business Terms ) (GBT) C) These General Business Terms constitute basic legal background for concluding business deals and providing services by the Creditor to the Creditor s Clients and constitute inseparable part of each Loan Contract entered into between the Creditor and the Client. THE CREDITOR HEREINAFTER PRESENTS THE FULL WORDING OF THE GENERAL BUSINESS TERMS: 1. INTRODUCTORY PROVISIONS 1.1 These GBT constitute inseparable part of each Loan Contract entered into between the Creditor and the Client. These GBT determine basic rules that will govern any of all relations arisen between the Creditor and the Client based on the Loan Contract or in connection thereto. 1.2 Rights and obligations within the relationship between the Creditor and the Client in the matters not governed by the Loan Contract and these GBT are to be governed particularly by the provision of sections , the provision of section 1810 and subseq. Act No. 89/2012 Sb., of the Civil Code, as amended, and Act no. 257/2016 Sb., to provide for consumer loan, as amended.

18 1.3 The Creditor may propose to enter into the Loan Contract. In case such a proposal to enter into the Loan Contract is accepted by the Client and a loan is provided to the Client the Creditor becomes the Creditor by virtue of such a Loan Contract. If the Client accepts the Creditor s proposal to enter into the Loan Contract and a loan is provided to the Client the Client becomes a debtor by virtue of such a Loan Contract. 2. DEFINITIONS OF INDIVIDUAL TERMS 2.1 The following expressions included in the General Business Terms have this meaning unless something else completely undoubtedly different follows from the context in which a particular expression in GBT is used. 2.2 Singular includes plural and vice versa unless circumstances in which such an expression is used require any other interpretation. LOAN a monetary loan; TOTAL AMOUNT OF A LOAN the total amount of loans due THE CLIENT S MOBILE PHONE NUMBER the Client s mobile phone number that is entered into the Creditor s system as the Client s personal tel. number; LOAN PAYMENT DATE the day in a month by which the Client is obliged to pay off a sum due; LOAN EXTENSION DEADLINE the term stated on the website within which the Client may extend the loan term after a loan extension fee is paid; LOAN PAYMENT PERIOD a period starting on the day a loan is provided until the full payment of such a loan; TEMPORARY CLIENT S PASSWORD a sequence of numbers generated by the Creditor and sent by the Creditor to the Client along with a link to enter a new password in case of its loss or forgetting; ELECTRONIC CHANNELS handing over information or performing any other activities by means of the Internet or a mobile phone; THE CLIENT S ADDRESS an address entered by the Client into the Creditor s system as the Client s personal address; CODE a seven-digit code of the Loan Contract that is automatically generated; INDIVIDUAL TERMS terms and conditions contained directly in the Loan Contract some articles of which the Client may influence by submitting an application and selecting one of the options of the loan offered by the Creditor. Individual terms are deemed to be: 1. amount of a loan 2. amount of interest on the loan 3. loan payment term; 4. a sum payable as to the date on which the loan falls due PERSONAL DATA information pertaining to the Client based on which the Client may be identified either directly or indirectly. In particular, it is a Birth ID number, name, surname, address of permanent residence entered in the ID card, address of actual residence, address, bank account number, mobile telephone number, ID card number, etc.; LOAN APPLICATION SUBMISSION on the Creditor s website by means of electronic channels, in the manner described in section 4.1 regarding the loan provided under the conditions selected by him and confirmed in the determined manner, in accordance with the procedure stated in article 4 whereby the Client s will to accept such a loan from the Creditor has been expressed; LOAN TERMS the amount of a specific loan, the date on which the loan falls due, interest on such a loan and other terms and conditions;