Branch : Headquarters Axe Finance

Address : Credit automation solutions

Contract For Package

(Within the framework of the clause L.311.1 and based on the consumption code)

The law applicable to the precontractual relationships as well as the contract is the local Legislation. The language used during the precontractual
reltionships as well as the contract is the English.

On this offer is made for :

Borrower Discovery PLC 123456A

Born on

Residing at N/A

Marital Status 1635

CLAUSE 1 - Financial Contract Terms

File N°166,370.00

Package

Credit amount 77,500,000.00 QAR

Tenor 80 months

Instalement 0.00

Instalement number 80 months

Periodicity N/S

Interest 3.00

Due Amount 0.00

Treatment fees 0.00

The first due date will be 30 days after disbursement

Axe Finance - Credit Automation Solution I Page 1 of 6

 Clause 2 : Repayment

The borrower will autorise Axe Finance to pay from this bank account , if the situation allow, debits for monthly installments payments

Clause 3 : Terms and conditions

3.1 -Definition
3.1.1 Agreement
the present Credit Line Agreement entered into by and between the Lender and Borrower .
3.1.2 Annual Percentage Rate
the total cost calculated on the date of the Agreement according to the applicable Cabinet Regulations “Corporate Lending Agreement Regulations”, which
cost is expressed as a percentage of the Credit Line Amount. The Annual Percentage Rate is specified in Part I of the Agreement, and the Assumptions are
used in calculating it.
3.1.3 Assumptions
the assumptions used in accordance with the Cabinet Regulations to calculate the Annual Interest Rate and the Total Amount due from the Borrower: The
Credit Line Amount is made available for a period of one year, and the Credit Line Amount is drawn on in full on the first day of the Agreement and will be
repaid on the last day of the Agreement in a single payment .
3.1.4 Cabinet Regulations
the effective Regulations on Consumer Lending is the local regulations .
3.1.5 Credit Line Amount
the outstanding amount of funds drawn by the Borrower from the Credit Line Limit.
3.1.6 Credit Line Limit
a limit approved by the Lender, up to which the Borrower is entitled to use the Borrower’s funds within the period of duration of the Agreement .
3.1.7 Interest
the charge for using the Credit Line Amount
3.1.8 Interest Rate
the interest rate specified in the Agreement and expressed as interest per annum .
3.1.9 Parties
the Lender and the Borrower
3.1.10 Price List
the Lender’s effective price list, which forms an integral part of the Agreement
3.1.11 Right of Withdrawal
the right of the Borrower to withdraw from the Agreement in accordance with the Consumer Rights Protection Law .
3.1.12 Total Amount due from the Borrower
the amount calculated on the date of the Agreement in accordance with the Cabinet Regulations and which consists of the Credit Line Amount and all any
related costs, including Interest Payments, the fee for opening the Credit Line, account opening (if required) and maintenance fees, payable by the
Borrower under the Agreement and calculated by using the Assumptions .

3.2 - Validity of the Agreement

3.2.1. The liabilities contemplated under the Agreement shall come into force as from the moment of signing the Agreement by the Parties. The Borrower
shall, on the day the Credit Line Limit is approved, pay the Lender a fee for approving the Credit Line Limit as per Price List and, once a month, a fee for
using the Credit Line Amount as per Price List . No fees paid under this clause are refundable to the Borrower.
3.2.2. The Lender shall approve the Credit Line Limit for the Borrower’s account, allowing the Borrower to draw on the Lender’s funds up to a Credit Line
Limit specified by the Lender.
3.2.3. The Credit Line Limit availability period is one year. The Lender shall, two months prior to the end of the Credit Line Limit availability period, consider
the possibility of extending the Credit Line Limit availability period to another year, subject to the following:
3.2.3.1. if the Lender decides to extend the Credit Line Limit availability period to next period on the current terms, then the Borrower shall pay the Lender a
fee for extension of the Credit Line Limit availability period as per Price List on the first day of the text period. No fees paid under this clause are refundable
to the Borrower.
3.2.3.2. If the Lender has decided to extend the Credit Line Limit availability period to the next period on new terms (incl. new Interest Rate, Credit Line
Limit), then the Lender shall, two months prior to the end of the Credit Line Limit availability period, notify the Borrower thereof by making a relevant notice
on the Lender’s Internet Banking site (under the Remote Banking Services Agreement). Where there is no Remote Banking Services Agreement signed
with the Borrower, information referred to in this clause shall be delivered to the Borrower to the mail address specified by the Borrower. If, within 60 (sixty)
days of placing the aforesaid notice on the Lender’s Internet Banking site, the Borrower has not requested the termination of the Agreement in writing, the
Borrower shall be deemed to have approved the new terms and has acknowledged them to be binding on the Borrower. The new terms shall come into
force on the first day of the next period. The Borrower shall pay the Lender a fee for extension of the Credit Line Limit availability period as per Price List on
the first day of the next period.
3.2.3.3. If the Lender has decided not to extend the Credit Line Limit availability period to the next period, then the Lender shall, two months prior to the end
of the Credit Line Limit availability period, notify the Borrower thereof by placing a relevant notice on the Lender’s Internet banking site (under the Remote
Banking Services Agreement). Where there is no Remote Banking Services Agreement signed with the Borrower, information on the Lender’s decision not
to extend the Credit Line Limit shall be sent to the Borrower to the mail address specified by the Borrower. On the last day of the Credit Line Limit
availability period, the Borrower shall have a duty to repay the Lender the Credit Line Amount , pay the Interest and other payments due to the Lender under
the Agreement.
3.2.3.4. If the Borrower does not wish to continue using the Credit Line Limit for the next period (one year), then the Borrower shall, one month prior to the
end of the Credit Line Limit availability period, notify the Lender thereof in writing, otherwise the fee for extension of the Credit Line Limit availability period
as per Price List will not be refunded if such as been paid. On the last day of the Credit Line Limit availability period, the Borrower shall have a duty to
repay the Lender the Credit Line Amount, pay the Interest and other payments due to the Lender under the Agreement .
3.2.4. Obligations under this Agreement shall be deemed discharged in due time if performed on or before the last day due for performance of that
obligation. Payment liabilities shall be deemed discharged upon the moment when the amount of the respective payment is debited from the Borrower’s
account by the Lender.

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3.2.5. The performance and settlement of any liabilities under this Agreement shall be effected in the currency of the Credit Line Limit .
3.2.6. This Agreement shall be deemed performed as of the moment when the Borrower has paid the Lender the aggregate of Interest due and payable to
the latter, repaid the Credit Line Amount in full, and satisfied all other ancillary claims of the Lender arising from this Agreement , if any.
3.2.7. The Lender shall be entitled to use its own discretion in determining the sequence for discharging the Lender’s claims against the Borrower under
the Agreement.

3.3 - Interest on Credit Limit Amount Used

3.3.1. The Borrower shall, for using the Credit Line Amount, pay the Lender the Interest for the entire actual period of using the Credit Line Amount on a
monthly basis on the day due for the monthly payment of Interest.
3.3.2. The Interest shall be calculated on the basis of the Interest Rate and a year of 360 days.
3.3.3. The Interest shall be debited from the Borrower’s account by the Lender .
3.3.4. Interest accrued for the period of time from the last monthly Interest payment date before the end of the Credit Line Limit availability period until the
end of the Credit Line Limit availability period shall be paid by the Borrower at the end of the Credit Line Limit availability period.

3.4- Penalty
3.4.1. The Borrower shall pay the Lender the Penalty specified in Part I of the Agreement for the amount of every payment past due and /or for the Credit
Line Limit excess per day in accordance with the Price List for the entire period until the respective amount is repaid.
3.4.2. The payment of penalty shall not release the Borrower from the obligation to perform any outstanding liabilities.

3.5- Rights and Obligations of the Parties

3.5.1. The Borrower shall be under an obligation to deposit funds of no less than 10 % (ten per cent) of the Credit Line Limit to the Borrower’s account once
a month.
3.5.2. It shall be the duty of the Borrower to notify the Lender of termination of employment or any reduction in the Borrower’s remuneration .
3.5.3. The Borrower shall have a duty to present a proof of the Borrower’s incomes during last six months within 7 (seven) days of the Lender’s request to
do so.
3.5.4. The Lender shall have the right to reduce the Credit Line Limit as it may deem appropriate, subject to 30 (thirty) days’ prior notice thereof to the
Borrower.
3.5.5. The Borrower consents to the Lender’s right to detain funds in the Borrower’s accounts held with bank AS insofar as may be necessary for ensuring
performance of obligations under the Agreement .
3.5.6. All of the Borrower’s funds, present or future, in the Borrower’s accounts with the Lender, are pledged with the Lender as a financial pledge and
serve as a security for all and any of the Lender’s claims under the Agreement. In the event of the Borrower failing to provide funds necessary for any
payments in the current account, and also in all other cases when a claim by the Lender against the Borrower arises under the Agreement, the Lender shall
have the right to satisfy such claim by enforcing the financial pledge. The Lender shall have the right, without any prior notice to the Borrower, to debit
(transfer) the due amount from any of the Borrower’s accounts held with bank AS or from funds otherwise due to the Borrower; the Lender also shall have
theright to convert these funds on behalf of the Borrower without any prior notice to the latter at the exchange rate of bank AS then in force. The Lender
shall have the right to suspend the use of any other of the Borrower’s contracts with the Lender until and unless the Lender’s claims are performed in their
entirety.
3.5.7. The Lender shall have the right to debit (transfer) any fees, which are payable under this Agreement as per Price List, from any of the Borrower’s
accounts held with bank AS or from funds otherwise due to the Borrower; the Lender also shall have the right to convert these funds on behalf of the
Borrower without any prior notice to the latter at the exchange rate of bank AS then in force .
3.5.8. If the Credit Line Limit or the Interest Rate was fixed or amended on the basis of the Borrower ensuring that their salary will be transferred to the
Borrower’s account with the bank AS, then the Borrower shall have a duty to continue to have their salary transferred to the Borrower’s account with bank
AS at least once a month.
3.5.9. In case the Borrower continues to be overdue with any payments required under the Agreement for more than 30 (thirty) days, the Lender shall have
the right to remind the Borrower about the overdue payment, with a fee charged for delivery of such reminder as per Price List.
3.5.10.The Customer confirms that the Borrower is aware of the liability associated with furnishing incomplete or false information in the Consumer Credit
Application. The Borrower is aware of the fact that whenever a field of a required information is left blank in the Consumer Credit Application, the relevant
information is deemed to be absent.
3.5.11.Any incomplete or false information furnished in the Consumer Credit Application constitute sufficient grounds for the Lender to unilaterally withdraw
from the Agreement and demand early performance by the Borrower of obligations created by the Agreement or, alternatively, increase the Interest Rate at
its sole discretion in accordance with Clause 6.2 of Section II of the Agreement, as well as to initiate criminal action against the person who furnished the
details or completed the application pursuant to Section 210 or Section 177 of the Criminal Law of the Republic.
3.5.12.The Borrower shall have the right to bar the Borrower from using unutilized Credit Line funds if the Borrower falls behind any payments, which arise
out the Agreement or any other contract existing between the Lender and the Borrower , until and unless the Borrower duly performs their liabilities.
3.5.13.The Lender shall be entitled to furnish information to the Bank of Latvia and to receive information from the Bank in the cases and subject to the
procedure stipulated in the Credit Register Regulations. The Borrower shall have the right to receive such information about themselves, which is included
in the Credit Register, subject to the procedure stipulated in the Bank Credit Register Regulations. The Credit Register Regulations of the bank are
available on the website of the Bank at www.bank.lv.
3.5.14.The Borrower shall promptly notify the Lender of any change in its forename, surname, passport, place of residence, employer or telephone
number.
3.5.15.If the Borrower, as the guarantor, and the Lender, as the creditor, has entered into a guarantee agreement, whereunder the Borrower guarantees for
third party obligations, then the Borrower authorizes the Lender to apply, towards performance of obligations arising under such guarantee agreement, the
required amount of funds from the Credit Line Limit approved for the Borrower’s account. The Borrower further authorizes the Lender to apply, towards
performance of any other obligations arising under any other agreement existing between the Borrower and the Lender, the required amount of funds from
the Credit Line Limit approved for the Borrower’s account .
3.5.16.The Borrower may, at any time during the Agreement, upon request and at no charge, receive a printout of the credit statement in paper form or via
the Lender’s online banking facility if the Borrower has access to it (in accordance with the Remote Banking Services Agreement ).
3.5.17. It is mandatory under the Agreement for the Borrower to have an account with bank AS. The fee for opening (if required), servicing and maintaining
the account shall be paid in accordance with the Price List. The Lender shall be entitled to change the Price List upon at least 60 days’ prior notice thereon
to the Lender via the Lender’s online banking facility .

3.6- Performance of Obligations

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3.6.1. The Borrower shall have the right to terminate the Agreement unilaterally subject to a 2 (two) business days’ prior written notice thereof to the
Lender, subject to repayment of the Credit Line Amount to the Lender, and subject to payment of the Interest and other payments due to the Lender under
the Agreement.
3.6.2. The Lender shall have the right to unilaterally withdraw from the Agreement and to demand an early performance of obligations under the Agreement
by the Borrower, or, alternatively, increase the Interest Rate at its sole discretion by 5 (five) percentage points, in the following cases:
3.6.2.1. In the case provided for in Clause 5.11, Section II of the Agreement.
3.6.2.2. Third party claims are brought against the Borrower or the Borrower’s assets .
3.6.2.3. The Borrower is not in compliance with Clause 5.1 or Clause 5.8, Section II of the Agreement.
3.6.2.4. Any of the Lender’s Group companies or bank (recorded in the Swedish Companies Register under No. 502017-7753) or any companies, in which
bank, directly or indirectly, holds participating interest, has withdrawn from any contract existing with the Borrower and has demanded early performance of
obligations by the Borrower.
3.6.2.5. The circumstances, which formed the basis for approval of the Credit Line Limit, have changed.
3.6.3. Where the Interest Rate has been raised as stipulated by Clause 6.2, based on the provisions of Clause 6.2.2, 6.2.3 and 6.2.5, the Borrower shall be
entitled to request the Lender to reduce the Interest Rate to the rate stated in Section I of the Agreement, but in any event not sooner than after three
months of having remedied and not repeated the violations referred to in Clause 6.2.2, 6.2.3 and 6.2.5 in Section II of the Agreement.
3.6.4. The Interest Rate amended under Clause 6.2 and 6.3 of Section II of the Agreement shall come into force one month after the Lender having notified
the Borrower thereof by placing the relevant notice on the Lender’s Internet banking site (according to the Remote Banking Services
Agreement). If the Borrower does not wish to continue using the Credit Line Amount at the amended Interest Rate, the Borrower shall have the right to
withdraw from the Agreement on the terms of Clause 6.1 in Section II of the Agreement.
3.6.5. The Lender shall have the right to withdraw from the Agreement unilaterally , subject to a 60 (sixty) days’ prior notice thereof to the Borrower .
3.6.6. In the event of withdrawal from the Agreement by the Lender, the Borrower shall be obliged to repay the full amount of the Credit Line Amount, the
Interest and all and any monies otherwise due and payable to the Lender under the Agreement , within 7 days of the first demand of the Lender to do so

3.7- Right of Withdrawal

3.7.1. Within 14 days of coming into force of the Agreement, the Borrower may exercise their Right of Withdrawal and withdraw from the Agreement without
providing any reasons therefore.
3.7.2. The Borrower shall notify the Lender on the exercising of the Right of Withdrawal in writing by submitting a respective written notice at a Lender’s
branch or via the Lender’s online banking facility if the Borrower has access to it (in accordance with the Remote Banking Services Agreement). The said
notice should be provided before the expiry of the timeframe specified in Clause 10.1 of the Agreement.
3.7.3. The Borrower shall be obliged, without delay and not later than within 30 days of sending the notice of exercising the Right of Withdrawal in
accordance with Clause 7.2 of the Agreement, to repay to the Lender the used Credit Line Amount and pay the Interest on the use of the Credit Line
Amount for the entire period of using the Credit Line Amount .

3.8- Miscellaneous
3.8.1. The Agreement amends the relevant terms and conditions of the agreement , if any, entered into
earlier by and between the Parties on using the Credit Line.
3.8.2. The Agreement is made in two counterparts . One counterpart shall be held by the Borrower, and the other - by the Lender.
3.8.3. The correspondence contemplated in the Agreement shall be deemed received within 14 (fourteen) days of being delivered to the Lender’s Internet
banking site (in accordance with the Remote Banking Services Agreement) or on the third day after the date indicated in the stamp of the Post of La
confirming the acceptance of registered letter for dispatch.
3.8.4. The Borrower authorises the Lender to verify the accuracy and completeness of the information furnished, as well as the genuineness and validity of
the documents presented, to take any other necessary steps or actions and to request any additional information and confirmations from third parties
without approving such actions with the Borrower. By signing the Agreement, the Borrower agrees that, for the purposes of delivery of its services, the
Lender shall be entitled to process and disclose to third parties the data, which has come into the Lender’s possession and is necessary for the
performance of the Agreement and other terms of the Lender and for the delivery of services by the Lender .
3.8.5. Supervisory Institution: Consumer Rights Protection Centre, address K. Valdemāra iela 157, Rīga,LV-1013.
3.8.6. All and any disputes shall be resolved through negotiation. Should the Parties fail to resolve the dispute in question through negotiation, then any
dispute, disagreement or claim arising from the Agreement , or concerning it or concerning violation, termination or validity thereof, shall be resolved at a
court of law pursuant to the procedure prescribed in applicable laws and regulations of the Republic, unless other agreement exists between the Parties
concerning dispute resolution procedure.

ARTICLE 4 - REMEDIES: YOUR RIGHTS IF YOU DEFAULT

The remedies we have in the event of your default are, in some states, dependent on a limited right to cure a default, and to get notice of that right. We will
provide the notice, which will explain your limited right, and permit you to cure a default, if and when required by state law.
If you are in default (and subject to any right to cure) we may:
*require you to pay the entire unpaid balance of principal and accrued interest before the scheduled due date;
*set off the debt against any amount we may owe you in the associated deposit account or any other deposit account interest you may have with
us;
*enforce our security interest, if applicable;
*terminate or suspend your right to further advances under this Reserve Line Agreement ; and
*pursue any other method permitted by law to collect a debt.

COSTS OF COLLECTION
You agree to pay the costs we incur to collect this debt in the event of your default. In the event we have to collect this note through your bankruptcy
proceeding, voluntary or otherwise, and without regard to your state of residence, these costs will include our reasonable attorney 's fees, for an attorney
who is not our salaried employee, in the bankruptcy proceedings.

DELAY IN ENFORCEMENT
We can delay enforcing our rights under this Reserve Line Agreement without losing them and we will still be able to recover all amounts you owe us. We
can also release one borrower from the responsibilities of this Reserve Line Agreement without releasing any other .

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 ARTICLE 5- CANCELING OR AMENDING THIS RESERVE LINE AGREEMENT

We may cancel or amend this Reserve Line Agreement at any time by notifying you at least 15 days (or such longer period as required by law) in advance
in writing. Where permitted by law, the changes will apply to all existing and future balances. You have the same right to cancel for any reason or if you do
not agree with our amendment, but your obligation to repay the amount owed continues. If more than one rate applies to your account, we will apply
payments to the oldest rate's unpaid Finance Charge and unpaid principal balance first.

ARBITRATION

This section does not apply to any dispute in which the amount in controversy is within the jurisdictional limits of, and is filed in, a small claims court. These
arbitration provisions shall survive closure of your account or termination of all business with us. If any provision of this section is ruled invalid or
unenforceable, this section shall be rendered null and void in its entirety.
Arbitration Rules: If you or we elect to arbitrate a dispute concerning your account, the dispute will be decided by arbitration under the Commercial
Arbitration Rules of the Arbitration Association . If this arbitrator or these arbitration rules are not available, then you and we will use a comparable
substitute arbitration procedure and/or arbitration organization that does business on a nationwide basis. You may obtain rules and forms by calling the
AAA at 800-778-7879. Any arbitration hearing that you attend will be in the federal judicial district where you reside.
Arbitration Process: Arbitration involves the review and resolution of the dispute by a neutral party. The arbitrator 's decision will generally be final and
binding. At your request, for claims relating to consumer accounts, we will advance the first $250 of the filing and hearing fees for any claim you file against
us; the arbitrator will decide whether we or you will ultimately pay those fees. Arbitration can only decide our or your dispute and cannot consolidate or join
claims of other persons who may have similar claims. There will be no authority or right for any disputes to be arbitrated on a class action basis. Effects of
Arbitration: If either of us chooses arbitration, neither of us will have the right to litigate the dispute in court or have a jury trial. In addition, you will not have
the right to participate as a representative or member of any class of claimants pertaining to any dispute subject to arbitration.

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 Detachable form to be filled completely by the borrower or one of the co-borrowers

WITHDRAWAL SLIP

To be returned no later than 14 days after the date you sign the offer (1) at Axe Finance, located at 5Th Street Agency representative.
This retraction is only valid if it is addressed, legibly and completely filled before the deadline mentioned above.

I, (the undersigned), (First_Name, Last_Name, Address) .................................................................................................................................................

........................................................................................................................................... declares accepting the credit offer of ...................................EUR

given by Axe Finance, more precisely, 5th Street Agency.

Date Date

Borrower Signature Relationship Manager Signature

insert_signature_here

(1)The Last, within offers signature dates in case of co borrowers .

A period that expires on a Saturday, Sunday, a holiday or holiday is extended to the frst following business day. The period starts from the day afer your signature.

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