Xtenda Finance Zambia Limited

Incorporated in the Republic of Zambia (Registration No. 62196)

Mambilima House, Kabelenga Road, Lusaka, Eastern, Arusha

Application Form - Loan Application

Section A - Applicant Personal Details

This Loan Application LN20222090000067416 and Agreement dated the 29 day of July,2022 entered into between Xtenda
Finance Limited (hereinafter referred to as the 'Lender') of Mambilima House, Kabelenga Road, Lusaka, Eastern, Arusha
and

Title Mr. Nationality Zambian

Surname ZIMBA NRC 339924/74/1
First Name NUMERAL Date of Birth 11-Aug-1979
Marital Status Others Date of Retirement 11-Aug-2044

Section B - Applicant Contact Details

Telephone No Home Work Cell 260972498903

Physical Address LUENA BARRACKS CAMP KAOMA, Western, Kaoma
Postal Address LUENA BARRACKS CAMP KAOMA, Western, Kaoma
Email Address numeraol@gmail.com

Section C - Applicant Employment Details

Employee No 101232 Employer Name ZAMBIA ARMY (ZA) -

SOLDIERS
Department ZAMBIA ARMY Employer Contact Name JOHN ZULU
MAN No Employer Contact No 260955881857
Occupation Services In Defence Establishment Date of Engagement

Are you employed on Contract? No

If Yes, please state the end of contract date:

Do you intend on taking study leave/maternity leave or any other extended leave which may result in defaulting on the
monthly repayments during the term of the loan? No
If Yes, please state the period of the intended leave:

Initial

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Section D - Applicant Banking Details
Bank Name ABSA Zambia Account Name ZIMBA NUMERAL
Branch Name Mongu Account Number 1108665
Branch Code 023135

Section E - Applicant Beneficiary Details

Name Contact Number Relationship NRC Number

JANET CHIMBINDE 260979657370 Spouse 852634/82/1

Section F - Applicant Reference Details

Name Relationship Physical Address Home Tel.No Mobile No
DENNIS NGOMA Colleague LUENA BARRACKS 260979570677
CAMP KAOMA
KELVIN MWAPE Colleague LUENA BARRACKS 260972880628
CAMP KAOMA

Section G - Applicant Loan Details

Is this your first loan? Yes
Loan amount applied for K 40484.040
Specify how much you can afford to pay per month? K 2066.83
Indicate how many months you will be able to repay the loan? 60 Months
Would you like to insure your loan? Yes
Would you like to join our Money + Loyalty Program? Yes

Initial

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 LOAN FILE STATUS
AFFORDABILITY CRITERIA
Payslip Test Amount(K)
Basic Salary K 7,953.00
Total Allowances K 397.00
Gross Pay K 8,350.00
Total Deductions K 1,263.00
Net pay before loan K 7,087.00
**Minimum Monthly Take Home Pay = 40% of Basic Pay K 3,181.20
Maximum monthly instalment available for new loan K 2,066.83
Summary of Loan Schedule Amount(K)
Outstanding Loan Amount (If Applicable) K 5,497.51
Total Loan Amount K 40,484.04
Disbursement Amount K 30,402.49
Interest Rate 38.00 %
Account Maintenance Fee - per month K 404.84
Arrangement Fee K 404.04
CRB Fee K 80.00
Loan Period (months) 60
Third Party Amount K 4,100.00
Xtenda Monthly Subscription Fee (If Applicable) K 0.00
Monthly Installment Repayable K 2,066.83

AMORTIZATION SCHEDULE
Schedule No Schedule Due Date Principal Interest and Other Fees Repayment Amount
1 28-Aug-2022 233.29 1,833.54 2,066.83
2 28-Sep-2022 240.68 1,826.15 2,066.83
3 28-Oct-2022 248.31 1,818.52 2,066.83
4 28-Nov-2022 256.18 1,810.65 2,066.83
5 28-Dec-2022 264.29 1,802.54 2,066.83
6 28-Jan-2023 272.67 1,794.16 2,066.83
7 28-Feb-2023 281.31 1,785.52 2,066.83
8 28-Mar-2023 290.22 1,776.61 2,066.83
9 28-Apr-2023 299.42 1,767.41 2,066.83
10 28-May-2023 308.90 1,757.93 2,066.83
11 28-Jun-2023 318.69 1,748.14 2,066.83
12 28-Jul-2023 328.79 1,738.04 2,066.83
13 28-Aug-2023 339.20 1,727.63 2,066.83
14 28-Sep-2023 349.95 1,716.88 2,066.83
15 28-Oct-2023 361.04 1,705.79 2,066.83
16 28-Nov-2023 372.48 1,694.35 2,066.83
17 28-Dec-2023 384.28 1,682.55 2,066.83
18 28-Jan-2024 396.46 1,670.37 2,066.83
19 28-Feb-2024 409.02 1,657.81 2,066.83

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 20 28-Mar-2024 421.98 1,644.85 2,066.83
21 28-Apr-2024 435.35 1,631.48 2,066.83
22 28-May-2024 449.14 1,617.69 2,066.83
23 28-Jun-2024 463.37 1,603.46 2,066.83
24 28-Jul-2024 478.05 1,588.78 2,066.83
25 28-Aug-2024 493.20 1,573.63 2,066.83
26 28-Sep-2024 508.83 1,558.00 2,066.83
27 28-Oct-2024 524.95 1,541.88 2,066.83
28 28-Nov-2024 541.58 1,525.25 2,066.83
29 28-Dec-2024 558.74 1,508.09 2,066.83
30 28-Jan-2025 576.44 1,490.39 2,066.83
31 28-Feb-2025 594.71 1,472.12 2,066.83
32 28-Mar-2025 613.55 1,453.28 2,066.83
33 28-Apr-2025 632.99 1,433.84 2,066.83
34 28-May-2025 653.04 1,413.79 2,066.83
35 28-Jun-2025 673.74 1,393.09 2,066.83
36 28-Jul-2025 695.08 1,371.75 2,066.83
37 28-Aug-2025 717.11 1,349.72 2,066.83
38 28-Sep-2025 739.83 1,327.00 2,066.83
39 28-Oct-2025 763.27 1,303.56 2,066.83
40 28-Nov-2025 787.45 1,279.38 2,066.83
41 28-Dec-2025 812.40 1,254.43 2,066.83
42 28-Jan-2026 838.14 1,228.69 2,066.83
43 28-Feb-2026 864.70 1,202.13 2,066.83
44 28-Mar-2026 892.09 1,174.74 2,066.83
45 28-Apr-2026 920.36 1,146.47 2,066.83
46 28-May-2026 949.52 1,117.31 2,066.83
47 28-Jun-2026 979.60 1,087.23 2,066.83
48 28-Jul-2026 1,010.64 1,056.19 2,066.83
49 28-Aug-2026 1,042.66 1,024.17 2,066.83
50 28-Sep-2026 1,075.70 991.13 2,066.83
51 28-Oct-2026 1,109.78 957.05 2,066.83
52 28-Nov-2026 1,144.94 921.89 2,066.83
53 28-Dec-2026 1,181.22 885.61 2,066.83
54 28-Jan-2027 1,218.64 848.19 2,066.83
55 28-Feb-2027 1,257.26 809.57 2,066.83
56 28-Mar-2027 1,297.09 769.74 2,066.83
57 28-Apr-2027 1,338.19 728.64 2,066.83
58 28-May-2027 1,380.59 686.24 2,066.83
59 28-Jun-2027 1,424.33 642.50 2,066.83
60 28-Jul-2027 1,468.61 597.37 2,065.98
TOTAL 40,484.04 83,524.91 124,008.95

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I, the undersigned declare that the information stated on the Loan Application Form is true and acknowledge that the
Lender regards the information as correct in order to consider the application.
Borrower͛s Full Name: ZIMBA NUMERAL

Signature: ______________________________________________

Witness Name: ______________________________________________

Signature: ______________________________________________ Date: ________________________

SUPPORTING DOCUMENTATION
National Identity Card Latest Pay Slips Salary Deduction Auth.
O
Employer Pre Approval Agreement Latest Bank Loan Statement

Proof of Residence

Signed By: Loan Officer Signed By: Supervisor

Initial

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 LOAN AGREEMENT FORM
I do acknowledge that I am truly and lawfully indebted to the Lender in respect of a loan or loans granted to me by the Lender. I hereby authorise my
employer to deduct from my salary, or any other source of remuneration by way of a deduction code or otherwise, on salary date each month, or any
other date in respect of other remuneration, such sums as the Lender may from time to time notify my employer, which notification shall be either in
writing or in such electronic or magnetic media as the Lender and my employer agree from time to time, in repayment of any and all loans granted by the
Lender to me together with interest and fees as accrued thereon. I acknowledge and agree that no deduction may be withheld or postponed for
whatsoever reason.

Account Name: ZIMBA NUMERAL

Bank Name and Branch: ABSA Zambia
Bank Account Number: 1108665
I hereby authorise the Lender, its holding company, or any of their designated agent, to draw against my account with the above mentioned bank (or any
other bank or branch to which I may transfer my account) the amount necessary for payment of the monthly/quarterly/annual commitment due in respect
of loan repayment or any future indebtedness I may incur with the Lender. All such withdrawals from my bank account by the Lender shall be treated as
though they had been authorised /signed by me personally. Should my account fall in arrears or any periodical instalment be returned by my bank on the
basis of insufficient funds in my account, then, I hereby authorise the Lender to increase my monthly instalment to recover the arrears within the contract
period or to collect this amount in partial amounts which amounts may be deducted from my account at any time. I agree that the Lender shall be entitled
to change the date that deductions are made, to coincide with my payment date and I need not be notified of such. I understand that the withdrawals
hereby authorised will be processed by computer through any electronic means and I also understand that details of each withdrawal will be printed on my
bank statement or on an accompanying voucher. I agree to pay any bank charges relating to this debit order instruction.

I agree to pay any and all bank charges that relate to this debit order including, without derogating from the generality hereof, all lodgement, failure and
other costs that the Lender may incur. I understand that I shall not be entitled to any refund of amounts which you have withdrawn while the authority was
in force if such amounts were legally owing to the Lender. Receipt of this instruction by you shall be regarded as receipt thereof by my bank (whichever it is
or will be) I hereby authorise the Lender to use the debit order instruction as a stop order when so required. I hereby confirm that I also understand that the
Lender may apply set-off in this matter and any other current and future matter where I am indebted to the Lender, including debts ceded to the Lender.
This set-off included but is not limited to actions where certain monies in excess of the original amount of the debt have been collected by the Lender but I
am not in the position to claim a refund for such monies as I am still indebted to the Lender. Furthermore I agree to let the Lender know when I change /
move my account.

SECTION - B Loan Agreement

Whereas:
1. The Borrower herein Mr/Ms. has made a Loan application to the Lender.
2. The Lender has agreed to lend to the Borrower Forty Thousand Four Hundred Eighty Four Kwacha And Four ngwee Only (K 40484.04 ) for a period
of 60 months to be repaid in instalments of Two Thousand Sixty Six Kwacha And Eighty Three ngwee Only (K 2066.83 ) on terms and conditions
herein.
Now therefore these present witness that the parties agree to the following standard terms and conditions for the Loan advancement:
1. Definitions and Interpretations
1.1 In this Agreement the following words shall have the meanings assigned to them hereunder:
1.1.1 The Borrower: The borrowing party.
1.1.2 The Capital: The sum of money lent and advanced by the Lender to the Borrower plus any other charges or fees payable by the Borrower as per
the policy.
1.1.3 Employer: The current employer of the Borrower, or any subsequent employer of the Borrower.
1.1.4 The Lender: The lending party is Xtenda Finance Limited
1.1.5 Loan or The Loan: The sum of money lent and advanced to the Borrower by the Lender.
1.1.6 Schedule: The schedule detailing the sum of money lent and advanced by the Lender to the Borrower, the insurance premium, the typical number
of instalments by which the loan is repayable, the interest rate applicable to the loan, and shall include any schedule subsequently executed (or
deemed executed) by the Borrower in respect of the sum of money lent and advanced or deemed advanced by the Lender after execution of this
Agreement.
1.1.7 Outstanding Balance: The portion of the Loan, fees, interest and other charges as raised from time to time by the Lender and which is owed by
the Borrower to the Lender.
1.1.8 Early Settlement: The full payment of the outstanding amount in fewer instalments than reflected in the Schedule.
1.1.9 Terminal Benefits: The accumulated leave pay, notice pay, severance package and/or salary and pension due to an employee by an employer
upon termination of employment.
1.2 Headings of clauses shall be deemed to have been included for the purpose of convenience only and shall not affect the interpretation of this
Agreement.
1.3 Unless inconsistent with the context, words relating to any gender shall include the other gender and words relating to the singular shall include the
plural and vice versa.

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2. Terms of Loan and Repayment
2.1 The Borrower acknowledges that he/she has applied for a loan from the Lender in the amount reflected as ͞Capital͟in the Schedule executed or
deemed to have been executed by the Borrower.
2.2 The Borrower acknowledges that in the event of the Borrower applying for any subsequent loan, such subsequent loan will:
2.2.1 Be governed by the terms of this Agreement;
2.2.2 Be reflected in a further Schedule, bearing a unique number, which shall be executed by the Borrower.
2.3 The Borrower acknowledges that he/she is lawfully indebted unto and in favour of the Lender for repayment of the Capital, as reflected in the
Schedule, together with interest and fees as accrued thereon and that the Capital shall be disbursed at the discretion of the Lender either in the form of
cash, cheque, or electronic transfer to the Borrower͛s Bank Account (or any combination of these methods) as reflected in section A of the Agreement,
the details of which the Borrower warrants are correct.
2.4 The Borrower hereby declares and warrants unto and in favour of the Lender that he/she is gainfully employed.
2.5 The Borrower confirms that he is currently actively employed and is at work attending to all his/ her normal duties on the date of signature of this
Agreement and that the Borrower has completed a period of at least 6 months of service (or period deemed appropriate by the Lender from time to
time) without absence. The Borrower undertakes to repay to the Lender in the manner set forth in the Schedule, the full capital of the monies lent and
advanced by the Lender to the Borrower together with interest as accrued thereon together with any and all other charges by irrevocably instructing
the Borrower͛s employer or Pension Fund Administrators to deduct from the Borrower͛s salary or other remuneration amount reflected in the
Schedule as the ͞monthly instalment payable͕͟or such amount as may be notified by the Lender to the Borrower in writing from time to time.
2.5.1 The number of instalments is based on the presumption that payment of the instalments will be made in accordance with the Schedule. The
Borrower acknowledges that any delay in the payment of any instalment may result in extra instalments in order to recover the interest and fees due to
arrears and the Borrower hereby consents to the recovery of any amount due by way of additional instalments over and above the instalments as
indicated on the Loan Schedule generated by the Lender.
2.6 The Borrower shall complete any additional documentation including an instruction to the Employer to make deductions from the Borrower͛s
salary ;͞Salary Deduction Authorisation Form͟Ϳand do whatever is necessary to formalize this instruction to the satisfaction of the Lender and
Employer.
2.6.1 The Borrower hereby specifically consents and agrees to be liable for any commission owing by the Lender to the Employer for purposes of
facilitating such payroll deductions.
2.6.2 The Borrower hereby authorises the Lender to receipt the net payment made by the Borrower͛s employer to the Lender after deduction of
any facilitation fee as contemplated herein.
2.7 The Borrower undertakes to notify the Lender in writing immediately should the Borrower͛s employment with the current employer be terminated
for any reason whatsoever and the Lender shall be entitled to demand that the outstanding balance be deducted by the Employer from any payment to
be made to the Borrower as a result of such termination.
2.7.1 The Borrower irrevocably authorises the employer to pay and discharge on demand all monies and liabilities which are now or at any time
hereafter may be due or owing from or incurred by the Borrower to the Lender from the Borrower͛s terminal benefits held by the Employer in case of
separation.
2.7.2 The Borrower as beneficiary of the terminal benefits held by the Employer hereby assigns unto the Lender the terminal benefits for the
purposes of securing the repayment for the loan granted by the Lender to the Borrower.
2.7.3 Until all monies and liabilities due or incurred by the Borrower to the Lender shall have been paid or discharged, the Lender will hold a lien on
the Borrower͛s terminal benefits held by the Employer to the full satisfaction of the loan provided by the Lender to the Borrower.
2.7.4 The Borrower irrevocably authorises the Employer to apply the terminal benefits towards the full discharge of the facility provided by the
Lender and to pay the Borrower the balance thereof, only upon the full discharge of the monies due to the Lender under the facility.
2.8 The Borrower acknowledges that no deduction from his/her salary may be withheld or postponed for any reason whatsoever.
2.9 Deductions from the Borrower͛s salary shall be made on the due date, or any other date in respect of other remuneration, each month
commencing from the date reflected in the Schedule until the whole amount payable by the Borrower to the Lender (inclusive of capital, interest and
fees) has been repaid to Lender in full.
2.10 The Borrower agrees that instalments will be deducted by the Lender or any nominee of the Lender. The Borrower acknowledges that the capital
lent and advanced by the Lender shall accrue interest at the rate reflected in the Schedule, or such other rate as may be notified by the Lender to the
Borrower in writing from time to time.
2.11 The Borrower hereby authorises the Lender to make any arrangements and to sign all documents which the Lender may deem necessary to
procure payment of the instalments in terms of this Agreement through any financial or deposit-taking institution with whom the Borrower holds any
account. The steps contemplated hereinbefore may include withdrawals from the Borrower͛s bank account through any electronic method or
procedure.
2.12 The Borrower authorises the Lender or its duly appointed representative to obtain any information regarding his/her insurance / investments /
employee benefits / bank account particulars from any financial institution through which the Borrower is a member of an investment/ employee
benefit scheme / bank or deposit taking institution.
2.13 In addition to 2.11 above the Borrower hereby irrevocably authorises the Lender to draw against the Borrower͛s bank account (details of which
appear in Section A of this
Agreement) or from any other bank or bank account to which the Borrower may transfer his/her account, the sum reflected as the instalment payment
due by the Borrower to the Lender for repayment of the loan, and as set out in the Schedule, together with any arrear payments due as well as any
accrued interest or interest on arrear payments and fees incurred by the Lender payable by the Borrower to the Lender.
2.13.1 The Borrower further confirms that this debit order authority is irrevocable during the term of any loan and shall be a continuing authority
in favour of the Lender until any and all liabilities owed by the Borrower to the Lender have been repaid in full.
2.13.2 Furthermore, the Borrower undertakes to immediately notify the Lender in writing should the Borrower͛s bank account details change for
any reason whatsoever and shall furnish the new details to the Lender.
2.14 Any additional sums of money lent or re-advanced by the Lender shall be reflected in a further Schedule to be executed by the Borrower and
which Schedule shall be deemed to form part of this Agreement and shall be subject to all the terms and conditions contained in this Agreement.

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30-Jul-2022 11:05:42 7 of 18
2.15 Notwithstanding any purported allocation by the Borrower of any payments made by the Borrower, the Lender may, at its discretion, allocate such
payments to capital, interest, costs, insurance premiums, or any other charges as the Lender in its discretion deems fit.
2.16 The Borrower acknowledges having read and understood that under no circumstance in the process of settling any of the loan instalments or
repayments, will cash be paid to any member of staff of the Lender, and that in the event that cash is paid, it will be done so at the Borrower͛s own risk
should it turn out that the cash is not credited to the
Borrower͛s loan account
2.17 The Borrower agrees that any additional payments made against the Borrower͛s loan account, in addition to those deducted from the Borrower͛s
salary, shall be deposited at the following bank account only and that proof of such payment, in the form of the original bank deposit slip bearing the
official bank stamp, will be provided to the Lender within 5 (five) working days of such deposits.

Account Name: Xtenda Finance Zambia Limited

Account Number: 62299074725
Bank: First National Bank
Branch Name: Commercial Suite

2.18 The Lump sum payments received on an account will be treated as advance payments unless the Borrower has specifically requested a settlement
quotation and made payment in accordance with the provisions and notice period as per the settlement quotation.
2.19 The Borrower acknowledges that if any amount is not paid by the Borrower to the Lender on its due date, the full amount of capital, interest and
all other amounts then outstanding shall become immediately due and payable by the Borrower to the Lender. The Lender shall be entitled to charge
interest at the contractual rate on an overdue payment on the loan. The Borrower hereby authorises the Lender to apply the contractual interest rate
on any overdue payment on the loan. Payments received by the Lender over and above the expected payments will be treated as advance payments
and will be used to set off any future instalments that are due. Advance payments do not reduce the interest or fees charged.
2.20 The Borrower acknowledges that a certificate signed by or on behalf of the Lender (and it shall not be necessary for the Lender to prove the
authority of the person signing such certificate) stating the amount of the Borrower͛s indebtedness to the Lender (including, if applicable insurance
premiums and other charges) and further stating that such amount is due, owing and payable, shall be prima facie proof of all matters contained in
such certificate including the amount and validity of such indebtedness and the fact that any amounts contained therein are due, owing and payable by
the Borrower and shall entitle the Lender to obtain summary judgment, default judgment or any other proceedings against the Borrower in any
competent court and shall be valid as a liquid document for those purposes.
2.21 The Borrower acknowledges that in the event of any instalment, or other payment, not being made on its due date, the Lender shall be entitled
(without prejudice to any other rights which the Lender may have) to either demand repayment of the loan (inclusive of capital, interest and other
charges then outstanding) or to reschedule the loan repayments, in which event a new Schedule will be deemed to have been executed by the
Borrower in favour of the Lender.
2.22 Without detracting from, and without prejudice to, the provisions of clause 2.21 above, the Borrower acknowledges that in the event of his/her
loan repayments falling into arrears, the Lender shall be entitled (but not obliged) to cancel the existing loan and reschedule the loan repayments due
by the Borrower, in which event:
2.22.1 The balance of the existing loan inclusive of capital, interest and any and all other amounts or charges then owed by the Borrower to the
Lender ;͞the rescheduled capital͟Ϳwill be calculated by the Lender;
2.22.2 The rescheduled capital will be deemed a further loan made by the Lender to the Borrower;
2.22.3 The rescheduled capital together with interest thereon, insurance premiums and other charges, will be repayable by the Borrower to the
Lender by way of monthly instalments over a fixed period to be determined by the Lender;
2.22.4 A Schedule in accordance with the terms of this Agreement will be deemed to have been executed by the Borrower; and
2.22.5 The Borrower shall repay the rescheduled capital together with interest, insurance and all other charges in accordance with the provisions
of the aforesaid Schedule and the terms hereof.
2.23 Any latitude, extension of time or indulgence which may be allowed by the Lender to the Borrower in respect of the Borrower͛s obligations in
terms of and arising from this Agreement shall not be deemed to be a waiver of, or in any way affect the Lender͛s rights to require strict and punctual
compliance by the Borrower with each and every term and provision of this Agreement, including the Schedule.
2.24 The Borrower acknowledges and agrees that in the event of the Lender, in its sole discretion, deeming it necessary or desirable to instruct its
Advocates or other persons to perform legal or collection services to collect any amount owed by the Borrower to the Lender, the Borrower shall be
liable for any and all legal costs or charges incurred by the Lender, including any collection commission paid or payable by the Lender, tracing charges or
any other incidental costs or charges of whatsoever nature.
2.25 If in the view of the Lender, the Borrower has breached his obligations in terms of the loan payment arrangement, the Borrower authorises the
lender to send his payment profile to various credit reference bureaus, and this information will be available to other credit grantors.
2.26 The Borrower waives any claims that the Borrower may have against the Lender in respect of the following disclosures and specifically authorises
the Lender to:
2.26.1 Perform a credit search on the Borrower͛s records with one or more of the registered Credit Bureaus when processing this application;
2.26.2 Monitor the Borrower͛s payment behaviour by researching the Borrower͛s records at one or more Credit Bureaus;
2.26.3 Use new information and data obtained from any Credit Bureau in respect of future credit applications;
2.26.4 Record the existence and details of the Borrower͛s account with any Credit Bureau; and
2.26.5 Record and transmit details of the said account and/or how payments are conducted in meeting the obligations on the account.
2.27 Subject only to the provisions of clauses 2.21 and 2.22 hereof, no agreement to vary, amend, alter or cancel the terms and conditions hereof shall
be binding upon either party unless reduced to writing and signed by the Borrower and a duly authorised representative of the Lender.

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2.28 In the event of legal proceedings being commenced by the Lender against the Borrower under this Agreement, the Borrower hereby confirms that
he/she will bear the onus of proving that:
2.28.1 monies claimed by the Lender were in fact never advanced to, or received by or on behalf of the Borrower; and
2.28.2 the amount claimed by the Lender has been incorrectly calculated.
2.29 The Lender shall, for the duration of this Agreement, at all times have the right to cede, exchange or otherwise deal with any of rights in terms of
this Agreement, upon such terms and conditions as the Lender may deem fit. In such cases the third party will acquire the same rights against the
Borrower as the Lender may have by virtue of this Agreement. The Borrower therefore understands and consents that his / her debt towards the Lender
may be ceded to a third party, and hereby consents that the Lender may choose to dispose of its rights to this Agreement by any means whatsoever and
that it may do so at its sole instance and discretion and that such a party may use his/her personal information for any subsequent purpose that is in line
with any combination of the initial purposes for which the personal information was obtained. The Borrower consents to the above use of the above
information for as long as it is required by the Lender / third party for the initial or subsequent purposes.
2.30 The Borrower declares that he/she has never been declared bankrupt and acknowledges that in the event:
2.30.1 of he/she committing an act of bankruptcy, of he/she being declared bankrupt;
2.30.2 of he/she committing any breach of his/her obligations under this Agreement;
2. 30.3of the Borrower͛s employment with the employer being terminated for any reason whatsoever;
2.30.4 that he/she supplies the Lender with any information which is false, incorrect or misleading;
2.30.5 that he/she cancels or attempts to cancel the deduction authorisation referred to in the Agreement;
2.30.6 that the instruction to the employer to pay in terms of the deduction authorisation does not materialise for whatever reason or he/she fails
to pay the total monthly instalment to the Lender on the due date;
2.30.7 that any order whether provisional or final be granted by a competent Court placing the Borrower under sequestration or any judgement by
any competent court being entered against the Borrower and remaining unsatisfied for thirty days thereafter; and
2.30.8 that any attachment be made or interdict be granted or execution be levied against the Borrower; then the entire capital, interest and any
other sums of money due by the Borrower to the Lender shall become immediately due and payable upon demand by the Lender.
2.31 The Borrower hereby chooses domicilium citandi et executandi at the address set out on the face of this Agreement and shall provide
written notice to the Lender of not less than 14 (fourteen) days should this address change, provided that the new address chosen shall be an address
within the jurisdiction of the High Court for Zambia, and provided further that such address shall comprise both a physical address and postal address.
2.31 All communications between the Lender and the Borrower under this Agreement shall be in writing and delivered by hand or sent by
prepaid registered post or sent by fax or e-mail:
2.31.1 In the case of communications to the Lender to its registered place of business or such changed address as may be notified to the
Borrower by the Lender.
2.31.2 In the case of the Borrower, at the address set out on the face of this Agreement or such other address as may be notified to the
Lender by the Borrower.
2.32 The Borrower acknowledges that any and all notices which may be given to him/her by the Lender in terms of this Agreement (except the
service of legal process) shall be deemed to have been properly given and received by the Borrower upon the expiry of a period of:
2.32.1 Fourteen (14) days from the date of posting thereof to the Borrower͛s postal address by prepaid ordinary registered post;
2.32.2 Three (3) days exclusive of the date of posting if sent by prepaid first class post;
2.32.3 On the day of delivery if hand delivered; and
2.32.4 If sent by fax or email on a business day prior to 5:00 pm, at the time of transmission or otherwise on the next business day.
2.33 The Borrower agrees that this Agreement has been drafted in a language that he understands, alternatively that he is fully aware of the
meaning thereof, the same having been explained to him in a language that he understands. The Borrower further confirms that he/she was afforded
the opportunity to read this Agreement, or have same read to him/her, before same was concluded.
2.34 The Borrower agrees that this Agreement may be scanned or imaged electronically and the paper version destroyed, and hereby agrees to
the scanned or imaged version and waives his/her right to dispute the authenticity of the scanned or imaged version.
2.35 The Borrower consents to the Lender obtaining any information from his/her employer inter alia, without derogating from the generality
hereof, details pertaining to the Borrower͛s salary, employment, residential address and best contact details.
2.36 The Borrower hereby confirms that he/she also understands that the Lender may apply set-off in this matter and any other current and
future matter where he/she is indebted to the Lender, including debts ceded to the Lender. This set-off includes, but is not limited to, actions where
certain monies in excess of the original amount of the debt have been collected by the Lender, but the Borrower is not in the position to claim a refund
for such monies as he/she is still indebted to the Lender in terms of other loan agreements entered into by him/her with either the Lender and / or its
subsidiaries and / or its cessionaries.
2.37 Any legal process may be served upon the Borrower at his/her domicilium citandi et excutandi/or cessionaries.
2.38 The parties agree that each clause in this Agreement is severable, the one from the other, and if any clause is found to be void, illegal or
unenforceable for any reason by any competent court, then the remaining clauses shall be and continue to be of full force and effect.
2.39 No delay or omission on the part of the Lender in exercising any right, power or remedy under this Agreement shall impair such right,
power or remedy or be construed as a waiver thereof or of any other right, power or remedy
2.40 The Agreement shall be governed by the laws of the Republic of Zambia and the Borrower hereby consents to the jurisdiction of the
courts of the Republic of Zambia.
2.41 The Borrower acknowledges that any and all information contained in the application for the loan completed by or on behalf of the
Borrower is deemed material, and constitutes representations by the Borrower forming the basis upon which the Lender has agreed to make the loan to
the Borrower.

Initial

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2.42 The Borrower consents that the Lender, its affiliates, associates and subsidiaries may send advertising and promotional material by e-mail / SMS
(Short Message System) to his/her computer/ cellular telephone as provided herein. This authority by the Borrower may be revoked by written notification
sent to the Lender. The Borrower furthermore consents to the Lender sending SMS͛s to the Borrower with regard to outstanding balance(s), due instalments,
arrears and any other matters related to this Agreement, and which authority cannot be revoked.
2.43 The Borrower hereby consents that all personal information relating to him/her, obtained through this application, may be used for the
future administration of the Borrower͛s loan, collection and marketing, including tracing, research , recordable (over and above for the Lender͛s
operations), transmission, distribution, storage, organization, updating modification, disposition, making available in any form, and product design by
the Lender.
2.44 The borrower forthwith confirms that the contents of this Loan Agreement was explained to him/ her and the Loan Agreement was
completed in all respects upon signature hereof and that this Agreement constitutes the sole record of the Agreement with the Borrower in regard to
the subject matter hereof and the Lender shall not be bound by any express or implied term, representation, warranty of the like not recorded herein.
2.45 The Borrower hereby agrees that the Lender may on his/her behalf enter into an insurance contract/ policy and declares that he/she
cedes, transfers or assigns to the Lender his/her rights, titles and interest in this contract/policy as collateral security for the loan granted by the Lender.
2.46 The Borrower hereby agrees that should the Employer for any reason, not deduct and / or remit to Oryx any of the amounts in terms of
this agreement, the borrower will pay the amounts due to Xtenda.

I have read, understood and consent to all clauses of the Loan

Agreement:

Signed at Branch - Mongu on this 29 day of July 2022

Signed By: _________________________________ Signed By: ___________________________________

by client ZIMBA NUMERAL for and behalf of Xtenda Finance Limited

Witness: _________________________________ Witness: ___________________________________

Signature : Signature :

Name : Name :

Address : Address :

Occupation : Occupation :

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 THIS AGREEMENT, made this 29 day of July 2022(the 'Agreement'), by and between Mr/Ms. of
LUENA BARRACKS CAMP KAOMA, Western, Kaoma (the 'Client') and Xtenda Finance Limited ('Xtenda');

WITNESS THAT:
WHEREAS, Xtenda is a microfinance institution providing credit services to its Clients and has set up the Xtenda loyalty Program (Xtenda) as
part of, and to supplement, the transactional or inclusive banking products available to its clients;

WHEREAS this Agreement shall run parallel to the Loan Agreement made between the Client and Xtenda

WHEREAS, the Client shall pay a monthly sum of K100 as a membership fee for the Xtenda Loyalty Program half of which shall be invested
into a unit trust on behalf of the client and the other half shall be applied towards insurance cover for the Client.

1.NOW, THEREFORE, in consideration of the mutual covenants hereinafter set forth, and other good and valuable consideration, the receipt
of which is hereby acknowledged, the parties hereto hereby covenant and agree as follows:

2.DEFINITIONS
͞Agreement͟means this agreement and the schedules hereto;

͞Contract Period͟means the period of the Loan Agreement between the Client and Xtenda;

͞Employer͟means the Employer of the Client;

͞Loan Agreement͟means the agreement entered into between the Client and Xtenda for the facilitation of a loan to the Client;

͞Loan Facility͟means the loan provided to the Client by Xtenda under the Loan Agreement;

͞Subscription Fee͟means the sum of K100 payable monthly by the Client to Xtenda as membership fee for the Xtenda Loyalty Program;

3.INVESTMENT SERVICES
3.1 The Client shall pay the sum of K50 being half of the Subscription Fee as aforesaid to Xtenda for the purposes of investment into a
collective investment scheme registered by the Securities and Exchange Commission of Zambia.

3.2 Xtenda, acting on behalf of the Client, shall remit the sum of K50 referred to in clause 3.1 above to a financial advisor of its choice which
is licensed to operate unit trusts as a fund manager in Zambia.

3.3 The financial advisor shall in turn invest the said sum of K50 into an interest bearing unit trust.

3.4 Xtenda shall at all times act diligently in selecting a financial advisor to manage the unit trust into which the monthly payments of K50
shall be invested.

3.5 The Financial advisor shall send statements to the Client on a quarterly basis reflecting total funds invested and interest earned on the
investment upon receipt of the said documents from the financial advisor.

3.6 Xtenda shall remit any payments due to the Client or their appointed next of kin or personal representatives upon offsetting any monies
due to Xtenda by the Client as a result of this Agreement or the Loan Agreement.

3.7 The Client will have the ability, subject to a good payment record to draw down against savings in the unit trust once every [36] months;

3.8 The Client acknowledges that until all monies and liabilities due or incurred by the Client to Xtenda under the Loan Agreement shall have
been paid or discharged, Xtenda will hold a lien on the Client͛s savings held in the unit trust by the financial advisor until the full satisfaction
of the loan provided by Xtenda to the Client;

3.9 The Client irrevocably authorises Xtenda to apply the savings held in the unit trust towards the full discharge of the Loan Facility
provided by Xtenda and to pay the Client the balance thereof, only upon the full discharge of the monies due to Xtenda under the Loan
Agreement;

3.10 The savings and interest held in the unit trust shall only be redeemed by notice made to the financial advisor by Xtenda on behalf of
the Client.

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3.11 In the event that the Client is declared delinquent by his or her employer or is convicted of a criminal offence by a Court of competent
jurisdiction or absconds from the jurisdiction, the Client acknowledges that the savings accrued in the unit trust shall be applied to his or
her loan facility with Xtenda to pay off any outstanding repayments under the Loan Agreement.

3.12 In the event of the demise of the Client during the currency of the Loan Agreement and before the withdrawal of the savings from the
unit trust in which the Client͛s saving have been deposited, the Client hereby authorizes Xtenda to instruct the financial advisor to pay such
savings to the nominated beneficiary listed in Section E of the Loan Agreement where the Loan Facility has been fully settled.

4.INSURANCE SERVICES

4.1Xtenda, on behalf of the Client, shall remit the sum of K50 being half of the membership fee as aforesaid to an insurance company of its
choice which is licensed to carry on business as an insurer in Zambia.

4.2In consideration of the payment of the sum of K50, the Client shall receive:

i.Credit Life Cover which will cover the Client͛s repayments under his or her Loan Agreement with Xtenda to the total of the outstanding
loan including capital, interest and all fees in the event of death before the Loan Facility is repaid; and

ii.Last Expense Cover of up to K20,000 (limited to the capital disbursed if loan principal is below K20.000) which Xtenda shall pay to a court
appointed personal representative or the beneficiaries nominated by the Client in the Loan Agreement in the event of the Client͛s death.

4.3Provided that the Client acknowledges that he or she will not be entitled to the last expense cover in the event that:

i.He or she is determined to have committed suicide within a period of 12 months from the date of entering into the insurance policy;
and/or

ii.He or she dies within a period of 6 months from the date of entering into the insurance policy.

4.4Xtenda shall manage all Client claims/queries in respect of the Credit Life & last expenses cover policies.

4.5The client authorizes Xtenda to pay the last expense amount to the Client͛s beneficiary referred to in Section E of the Loan Agreement.

5.GENERAL PROVISIONS

5.1The Client hereby authorises Xtenda, its holding company, or any of their designated agent, to draw against his or her bank account as
stipulated in the Schedule attached hereto (or any other bank or branch to which the Client may transfer his account) the amount
necessary for payment of the monthly subscription due under this Agreement and on the conditions set out in the said Schedule.

5.2The Client acknowledges that in the event that his or her account falls in arrears or any monthly subscription be returned by the Client͛s
bank on the basis of insufficient funds in his or her account, then, Xtenda shall be entitled to increase the Client͛s Subscription Fee to
recover the arrears within the contract period or to collect this amount in partial amounts which amounts may be deducted from the
Client͛s account at any time.

5.3The Client shall complete any additional documentation including an instruction to the Employer to make deductions from the Client͛s
salary ;͞Salary Deduction Authorisation Form͟Ϳand do whatever is necessary to formalize this instruction to the satisfaction of Xtenda and
the Employer.

5.4The Client acknowledges that no deduction from his/her salary may be withheld or postponed for any reason whatsoever.

6.INDEMNIFICATION

The Client shall defend, indemnify and hold harmless Xtenda (and each person or entity which controls Xtenda), its affiliate depository
institutions and their respective directors, officers, agents and employees against any and all losses, claims, damages, liabilities, actions,
costs or expenses to which such indemnified party may become subject to the extent such losses, claims, damages, liabilities, actions, costs
or expenses arise out of or are based upon the Client͛s failure to pay the Subscription Fee:

7.TERM AND TERMINATION

7.1The initial term of this Agreement shall expire 3 years from the date hereof or the Contract Period, whichever duration is longer. After
the initial term, this Agreement will be automatically renewed for additional one year terms unless and until terminated by either party
upon 90 days written notice of termination to the other party.

7.2Notwithstanding the provisions of Section 7.1 above, the Cient may terminate this Agreement at any time upon thirty (30) days written
notice of termination to Oryx upon:

(a)the Financial Advisor's failure to provide investment services to the Clients to the reasonable satisfaction of the Client

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(b)termination of the Financial Advisor's relationship (contractual or otherwise) with the Xtenda; or

(c)the Financial Advisor's failure to provide the services set forth under the terms of this Agreement.

8.DEFAULT

8.1Notwithstanding any provision in this Agreement, the following events or occurrences shall constitute an Event of Default under this
Agreement:

8.2(a) failure of either party to comply with the terms of this Agreement within five (5) days of written notice from the other party of such
failure; or

(b)if any representation or warranty made by either party herein shall be untrue in any material respect; or

(c)a receiver, liquidator or trustee of either party, or of any substantial part of its property, is appointed by court order and such order
remains in effect for more than 30 days; or either party is adjudicated bankrupt or insolvent; or a petition is filed against either party under
any bankruptcy, reorganization, arrangement, insolvency, readjustment of debt, dissolution or liquidation law or any jurisdiction, whether
now or hereafter in effect, and is not dismissed within 30 days after such filing; or
(d)a party files a petition in voluntary bankruptcy or seeking relief under any provision of a bankruptcy, reorganization, arrangement,
insolvency, readjustment of debt, dissolution or liquidation law under any jurisdiction, whether now or hereafter in effect, or consents to
the filing of any petition against it under any such law; or

(e)a party makes an assignment for the benefit of its creditors, or admits in writing its inability to pay its debts generally as they become
due, or consents to the appointment of a receiver, trustee or liquidator for it, or for all or any substantial party of its property.

Initial

30-Jul-2022 11:05:42 13 of 18
8.2 Upon the occurrence of any such Event of Default, the non-defaulting party may, at its option, and without waiving any rights or
remedies such party may have against the defaulting party, by notice to the defaulting party, declare that this Agreement shall be thereby
terminated without penalty and such termination shall be effective as of the date such notice has been sent or communicated to the
defaulting party.

9.NOTICES

9.1A notice given to a party under or in connection with this agreement:

(a)shall be in writing and in English or accompanied by an accurate translation into English;

(b)shall be signed by or on behalf of the party giving it;

(c)shall be sent to the party for the attention of the contact;

(d)unless proved otherwise is deemed received as set out in clause 8.2 if prepared and sent in accordance with this clause.

9.2A party may change its details given herein by giving notice, the change taking effect for the party notified of the change at [9.00 am] on
the later of:

(a)the date, if any, specified in the notice as the effective date for the change; or

(b)the date [five] Business Days after deemed receipt of the notice.

10.Governing law

This agreement and any dispute or claim arising out of or in connection with it or its subject matter or formation (including non-
contractual disputes or claims) shall be governed by and construed in accordance with the law of Zambia.

11.Jurisdiction

Each party irrevocably agrees that the courts of Zambia shall have exclusive jurisdiction to settle any dispute or claim arising out of or in
connection with this agreement or its subject matter or formation (including non-contractual disputes or claims).

This agreement has been entered into on the date stated at the beginning of it.

AS WITNESS the Parties hereto or their duly authorised representatives have hereunto set their hands the day and year first before
written.

Signed By: Signed By:

by client ZIMBA NUMERAL for and behalf of Xtenda Finance Limited

Witness: Witness:

Signature: Signature:

Name: Name:

Address: Address:

Occupation: Occupation:

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 SCHEDULE

i. I, NUMERAL ZIMBA , do hereby authorise my Employer to deduct from my salary, or any other source of
remuneration by way of a deduction code or otherwise, on salary date each month, or any other date in respect
of other remuneration, such sums as Xtenda may from time to time notify my Employer, which notification shall
be either in writing or in such electronic ormagnetic media as Xtenda and my Employer agree from time to time,
for payment of my Subscription Fee for the Xtenda Loyalty Program. I acknowledge and agree that no deduction
may be withheld or postponed for whatsoever reason.
Account Name: ZIMBA NUMERAL
Bank Name and Branch: ABSA Zambia
Bank Account Number: 1108665
ii. I hereby authorise Xtenda, its holding company, or any of their designated agent, to draw against my account
with the above mentioned bank (or any other bank or branch to which I may transfer my account) the amount
necessary for payment of the monthly Subscription Fee due in respect of my membership with the Xtenda
Loyalty Program. All such withdrawals from my bank account by Xtenda shall be treated as though they had
been authorised /signed by me personally. Should my account fall in arrears or any periodical instalment be
returned by my bank on the basis of insufficient funds in my account, then, I hereby authorise Xtenda to increase
my monthly instalment to recover the arrears within the contract period or duration of my membership or to
collect this amount in partial amounts which amounts may be deducted from my account at any time.

iii. I agree that Xtenda shall be entitled to change the date that deductions are made, to coincide with my payment
date and I need not be notified of such.
iv. I understand that the withdrawals hereby authorised will be processed by computer through any electronic
means and I also understand that details of each withdrawal will be printed on my bank statement or on an
accompanying voucher. I agree to pay any bank charges relating to this debit order instruction.
v. I agree to pay any and all bank charges that relate to this debit order including, without derogating from the
generality hereof, all lodgement, failure and other costs that Xtenda may incur. I understand that I shall not be
entitled to any refund of amounts which you have withdrawn while the authority was in force if such amounts
were legally owing to Xtenda.
vi. Receipt of this instruction by you shall be regarded as receipt thereof by my bank (whichever it is or will be)
vii. I hereby authorise Xtenda to use the debit order instruction as a stop order when so required. I hereby confirm
that I also understand that Xtenda may apply set-off in this matter and any other current and future matter
where I am indebted to Xtenda, including debts ceded to Xtenda. This set-off includes but is not limited to
actions where certain monies in excess of the original amount of the debt have been collected by Xtenda but I
am not in the position to claim a refund for such monies as I am still indebted to Xtenda.
viii. Furthermore I agree to let Xtenda know when I change / move my account.

Initial

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 Xtenda Finance Zambia Limited

Incorporated in the Republic of Zambia (Registration No. 62196)

Mambilima House, Kabelenga Road, Lusaka, Eastern, Arusha

APPLICATION FORM - SALARY DEDUCTION AUTHORISATION

Employee Employer
Surname ZIMBA Name of Employer ZAMBIA ARMY (ZA) - SOLDIERS
Forename NUMERAL Department ZAMBIA ARMY
Position/Type of Work Staff sergeant

I, the undersigned, request and authorise my Employer named above to deduct from my monthly salary the amounts due
and payable by me at any particular time, and pay the amounts so deducted to Xtenda Finance Limited ;͞Xtenda͟Ϳ͘I further
understand and undertake that this is an irrevocable instruction and cannot be cancelled by me until all amounts due have
been paid to Xtenda. Should my Employer for any reason, not deduct and or remit any of the amounts in terms of this
request, I shall consider the amounts unpaid, and if due, I undertake to pay Xtenda such sums. I further understand and
undertake that Xtenda will receive all payments in terms of this request without prejudice to its rights, and I shall regard the
receipt of this request by Xtenda as receipt of the same by my said Employer.
National Registration Amount of monthly Xtenda Subscription First Installment Due Number of Instalments
Card / loan Fee Date
Passport deduction
339924/74/1 2066.83 60
All payments shall be made to Xtenda free of any deductions at an address or into such bank account, as Xtenda may from
time to time direct. I acknowledge and agree that in the event of my loan(s) being rescheduled or my taking of an additional
loan, the terms of the Loan Agreement and this Salary Deduction Authorisation Form shall operate in favour of Xtenda in
respect of the rescheduled loan and additional loan, together with any amendments, as if the Salary Deduction
Authorisation Form had been signed and executed by me in respect of the rescheduled or additional loan.

I further understand and undertake that where I have subscribed to the Xtenda Loyalty Program, Xtenda will receive all
monthly subscription payments on behalf of the financial advisor managing the investment of the unit trust contributions
and the insurer providing credit cover and last expense services. I further undertake that this instruction shall remain
irrevocable and shall not be withdrawn by me until all my obligations under the loan agreement with Xtenda and the
Xtenda Loyalty Program Agreement have been discharged. In the event that my Employer, for any reason, does not
deduct any of the amounts in terms of this authorisation, I shall consider the amounts unpaid, and if due, I undertake to
pay such sums to Xtenda.
Signed at Branch - Mongu on this 29 day of July 2022

Signed By: Signed By:

by client ZIMBA NUMERAL for and behalf of Xtenda Finance Limited
Witness: Witness:
Signature: Signature:

Name: Name:

Address: Address:

Occupation: Occupation:

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 DIRECT DEBIT MANDATE FORM

Account Details
Name(Client) ZIMBA NUMERAL Date
Email numeraol@gmail.com Contact No 260972498903
Postal Address LUENA BARRACKS CAMP KAOMA, Western, Kaoma
Physical Address

Banking Details
The details of my bank account details are as follows:
Bank ABSA Zambia
Branch Mongu
Branch Code 023135
Account Holder ZIMBA NUMERAL
Account Number 1108665

I/we the undersigned ͞instruct͟and authorize Xtenda or its agent to withdraw against my/our account with the bank details
provided in the Direct Debit Information Form (or any other bank or branch to which I/we may transfer my/our account).
I/we understand that the withdrawals authorized will be processed by a bank registered in the Republic of Zambia and
I/we also understand that the details of each withdrawal will be printed on my/our Bank statement. The authorization is
for my monthly subscription that may vary pertaining to this agreement or (the collection of my arrears account as
stipulated in the attached authorized payment schedule). This being the amount necessary for payment of the monthly
payment/premium/subscription due to you in respect of our agreement/contract Not exceeding ZMK 2,066.83 words: (
Two Thousand Sixty Six Kwacha And Eighty Three ngwee Only )

Please debit my bank account on the ____________________ (of each month) (PLEASE NOTE THAT COLLECTION DATES
SHOULD BE BETWEEN THE 1st and 31st OF EACH MONTH). All such withdrawals from my/our bank account by you shall
be treated as though it had been signed by me/us personally.

I/we also agree to pay any bank charges relating to this debit order instruction.

Assignment: I/we acknowledge that Xtenda or its agent hereby authorized to effect the drawing(s) against my /our
account may cede or assign any of its rights to any other party Xtenda sees fit to fulfill its obligations. I/We may not
delegate any of my/our obligations in terms of this contract/authority to any third party without prior written
consent of Xtenda.

By signing this form, I have given authority to my bankers to debit my account using Direct Debit option towards my
subscription payment to Xtenda.

Customer name: ZIMBA NUMERAL Date:

Signature: _________________________________________ (SIGNATURE AS USED FOR SIGNING CHEQUES)

Bouncing of a Direct Debit Instruction is a prosecutable offence in the Courts of Law in Zambia; ensure your account is
sufficiently funded at the agreed date of your Direct Debit presentation to your Bank

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 DIRECT DEBIT MANDATE FORM

Account Details
Name(Client) ZIMBA NUMERAL Date
Email numeraol@gmail.com Contact No 260972498903
Postal Address LUENA BARRACKS CAMP KAOMA, Western, Kaoma
Physical Address

Banking Details
The details of my bank account details are as follows:
Bank ABSA Zambia
Branch Mongu
Branch Code 023135
Account Holder ZIMBA NUMERAL
Account Number 1108665

I/we the undersigned ͞instruct͟and authorize Xtenda or its agent to withdraw against my/our account with the bank details
provided in the Direct Debit Information Form (or any other bank or branch to which I/we may transfer my/our account).
I/we understand that the withdrawals authorized will be processed by a bank registered in the Republic of Zambia and
I/we also understand that the details of each withdrawal will be printed on my/our Bank statement. The authorization is
for my monthly subscription that may vary pertaining to this agreement or (the collection of my arrears account as
stipulated in the attached authorized payment schedule). This being the amount necessary for payment of the monthly
payment/premium/subscription due to you in respect of our agreement/contract Not exceeding ZMK 2,066.83 words:
( Two Thousand Sixty Six Kwacha And Eighty Three ngwee Only )

Please debit my bank account on the ______________________(of each month) (PLEASE NOTE THAT COLLECTION DATES
SHOULD BE BETWEEN THE 1st and 31st OF EACH MONTH). All such withdrawals from my/our bank account by you shall
be treated as though it had been signed by me/us personally.

I/we also agree to pay any bank charges relating to this debit order instruction.

Assignment: I/we acknowledge that Xtenda or its agent hereby authorized to effect the drawing(s) against my /our
account may cede or assign any of its rights to any other party Xtenda sees fit to fulfill its obligations. I/We may not
delegate any of my/our obligations in terms of this contract/authority to any third party without prior written
consent of Xtenda.

By signing this form, I have given authority to my bankers to debit my account using Direct Debit option towards my
subscription payment to Xtenda.

Customer name: ZIMBA NUMERAL Date: _______________________

Signature: __________________________________ (SIGNATURE AS USED FOR SIGNING CHEQUES)

Bouncing of a Direct Debit Instruction is a prosecutable offence in the Courts of Law in Zambia; ensure your account is
sufficiently funded at the agreed date of your Direct Debit presentation to your Bank

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