Loan Agreement

This Loan Agreement (Agreement) is entered by electronic means on the day

mentioned in the Schedule of Loan Sanction Terms of the agreement.

BY AND BETWEEN:
WEEKLINE INVESTMENT AND TRADING COMPANY LTD,, A duly registered
Non-Banking Financial Company registered with the Reserve Bank of India
and incorporated in India under Companies Act 1956 (hereinafter referred to
as the “Lender”, which expression shall, unless repugnant to or inconsistent
with the context, mean and include their successors and permitted assignees)

and
Mr/Ms/Mrs. Madhusudan Roy an Indian resident with Permanent Account
Number (PAN): AVIPR9004Q, Address: BSD House,Gadherni village, Shalin
road,Manali,Himachal Pradesh,175131, email ID: royms2021@gmail.com,
Phone Number: +917294003359
(hereinafter referred to as the “ Borrower ” , which expression shall, unless
repugnant to or inconsistent with the context, mean and include their
successors and permitted assignees).

Borrower and Lender shall together be referred to as the “ Parties ” and

severally as the “Party”.

Witnesseth
Whereas, TytoCash (the “ App ” ) is an online loan origination platform of
WEEKLINE INVESTMENT AND TRADING COMPANY LTD “ Service Provider ”
that markets personal loan product to borrowers. The Service Provider has
entered into a Service Agreement with the Lender to originate and process
loan applications received from various borrowers.

1
WEEKLINE INVESTMENT AND TRADING COMPANY LTD,
Whereas, the Lender is a Non-Banking Financial Company, engaged in the
business to provide loans to individual and business customers in India;

Whereas the Borrower is an individual, who has registered on the App by

creating his/her account, accepting various permission requests presented by
the App, and applied for the Loan by furnishing the personal and income
details and submitting required KYC documents and providing the
undertaking as per this Agreement to avail the loan; and

Whereas the terms between the Borrower and the Lender are materialized by
entering into this binding Agreement.

NOW THEREFORE, IN CONSIDERATION OF THE MUTUAL PROMISES,

COVENANTS AND CONDITIONS HEREINAFTER SET FORTH, THE RECEIPT AND
SUFFICIENCY OF WHICH IS HEREBY ACKNOWLEDGED, THE PARTIES AGREE AS
FOLLOWS:

1. Definitions and Interpretations

1.1In this Agreement (including any recitals, annexure, schedules or
exhibits attached) except where the context otherwise requires, the
following words and expressions shall have the following meaning;

1.2“ App ” refers to the Mobile Application TytoCash owned and

published by WEEKLINE INVESTMENT AND TRADING COMPANY
LTD, a private limited company incorporated under the provisions of
the Companies Act, 2013 having its registered office at 23, II Floor,
North West Avenue, Club Road West Punjabi Bagh Delhi West Delhi,
DL India

1.3“ Credit score ” means the score or report as obtained from a

recognized third party Credit Information Company

2
WEEKLINE INVESTMENT AND TRADING COMPANY LTD,
1.4“ Indian Resident ” is a person resident in India as defined under
clause 2(v) of the Foreign Exchange Management Act, 1999.
1.5“Person” means an individual
1.6“Repayment” means the payment of the principal amount and of
applicable loan interest, commitment or any other charges, fees or
other dues payable in terms of this Agreement to the Lender by the
Borrower.
1.7“Pre-payment” means premature repayment of the Loan in partial
or full.
1.8“ Instalment ” means the amount of periodic payment over the
period of loan.
1.9“ E Mandate ” or “ E NACH ” means the electronic mandate for
auto debit from the bank account of the borrower for the amount of
the Repayment Amount drawn by the borrower in favour of the
lender.
1.10 “ Loan ” means an advance of money by the Lender to the
Borrower, upon the request of the Borrower, and which shall be a
liability of the Borrower, on terms of this Agreement, as set forth in
the Schedule of Loan Sanction Terms.
1.11 “Working day” shall mean a day on which the Banks are open
for business in India.
1.12 References to Articles, Clauses, Recitals, Appendices and
Schedules are to articles, clauses, recitals, appendices and schedules
to this Agreement.
1.13 Any reference to a statutory provision shall include such provision
as is from time to time modified or re-enacted or consolidated so far
as such modification or re-enactment or consolidation applies or is
capable of applying to any transactions entered into hereunder.
1.14 Words denoting the singular shall include the plural and vice
versa.
1.15 Words denoting the masculine gender shall include the feminine
gender and vice versa.

3
WEEKLINE INVESTMENT AND TRADING COMPANY LTD,
 1.16 The Recitals to this agreement shall be and form an integral part
of this agreement.
1.17 Headings in this Agreement are for convenience of reference only
and shall not be used to construe or interpret this agreement.
2 Commencement
This agreement shall come into effect from the date of this Agreement as
recorded in the Schedule of Loan Sanction Terms appended to this
agreement.

3 Borrower Acknowledgements and Confirmation:

Borrower hereby acknowledges and accepts the following;
3.1I have personally applied for the Loan on the App after confirming
acceptance of the Terms and Conditions of Use and Privacy Policies
listed on the App.
3.2I acknowledge that my Name, details of Permanent Account
Number (PAN) , Aadhaar Card or of any other Address and Identity
proof are obtained by the Service provider and passed on to the
Lender from the materials I have submitted in the App “TytoCash”
as part of my personal profile and Loan application for review with
my consent.
3.3I acknowledge that to register myself and use the App to apply the
Loan I have granted various permissions including but not limited to
provide access to Camera, Media, Location, Contact List, Phone
Details, SMS and Call Records on my Smartphone. The data
contained in some or all of these items would be used to process my
application and establish my credit limit by the Service Provider, the
Lender or the third parties engaged by them.
3.4I understand the terms of the Loan to be provided to me by the
Lender are approved as per the internal policies and processes, and
in their sole determination.
3.5I further acknowledge, understand and agree that Lender has
adopted risk-based pricing, which is arrived by taking into account

4
WEEKLINE INVESTMENT AND TRADING COMPANY LTD,
 broad parameters like the customers financial and credit profile and
information and data obtained from various permissions granted by
me to the App.
3.6I understand all the terms of this Agreement, and have had the
opportunity to seek qualified advice, and thus make a Disbursement
request of the Loan from the Lender and instruct the Lender to
transfer the Loan amount to my bank account.

4 Borrower Undertaking
4.1I represent that the information and details provided by me for the
registration and loan application and the documents submitted by
me on the App and by other means are true, correct and that I have
not withheld any information.
4.2I have read and understood the fees and charges applicable to the
Loan that I may avail
4.3I confirm that no insolvency proceedings or suits for recovery of
outstanding dues have been initiated and / or are pending against
me.
4.4I hereby authorize Lender to exchange or share information and
details relating to this Application Form to its associate companies
or any third party, as may be required or deemed fit, for the purpose
of processing this loan application and/or related offerings or other
products / services that I may apply for from time to time.
4.5I hereby consent to and authorize Lender to increase or decrease the
credit limit assigned to me basis Lender's internal credit policy.
4.6By submitting this Application Form, I hereby expressly authorize
Lender to send me communications regarding various financial
products offered by or from Lender, its group companies and /or
third parties through telephone calls / SMSs / emails / post etc.
including but not limited to promotional communications and
confirm that I shall not challenge receipt of such communications as
unsolicited communication, defined under TRAI Regulations on

5
WEEKLINE INVESTMENT AND TRADING COMPANY LTD,
 Unsolicited Commercial Communications under the Do Not Call
Registry.
4.7That Lender shall have the right to make disclosure of any
information relating to me including personal information, details in
relation to Loan, defaults, security, etc to CIBIL and other Credit
Information Companies and/or any other
governmental/regulatory/statutory or private agency / entity, RBI,
KYC Registry, including publishing the name as part of wilful
defaulter's list from time to time, and also use for KYC information
verification, credit risk analysis, or for other related purposes. I
consent to the lender to obtain my credit reports from the credit
bureau agencies.
4.8I agree and accept that Lender may in its sole discretion, by itself or
through authorized persons, advocate, agencies, bureau, etc. verify
any information given including checking credit references and
details of the employment.
4.9That the funds shall be used for the Purpose specified the SCHEDULE
OF LOAN SANCTION TERMS will not be used for speculative or
antisocial purpose.
4.10 I have understood and accepted the late payment and other
default charges listed in the SCHEDULE OF LOAN SANCTION TERMS.
4.11 I confirm that I possess the smartphone and the phone number I
have used to the register and apply the Loan on the APP. I agree to
not delete the App from my phone during the validity of this
agreement and notify the lender if for any reasons my phone
number changes.

5 Representations and Warranties of the Parties

Each Party to the Agreement makes the following representations and
warranties with respect to itself, and confirms that they are, true, correct
and valid:

6
WEEKLINE INVESTMENT AND TRADING COMPANY LTD,
 5.1 It has full power and authority to enter into, deliver and perform the
terms and provisions of this agreement and, in particular, to exercise
its rights, perform the obligations expressed to be assumed by and
make the representations and warranties made by him hereunder;
5.2it obligation under this agreement are legal and valid binding on it
and enforceable against it in accordance with this Agreement.
5.3The parties to the agreement warrant and represent that they have
the legal competence and capacity to execute and perform this
Agreement.

6 Disbursement of the Loan

6.1The Lender will cause the Disbursement of the loan by online means
into the bank account of the Borrower as specified by the Borrower
in its loan application filled on the App after the acceptance of this
Agreement by the Borrower within 2 working days.

7 Payment of the Application Processing Fees :

7.1Borrower authorises the Lender to deduct the processing fees and
applicable taxes payable to the Service Provider from the
Disbursement Amount and transfer the same to the Service
Provider. The amount of processing fees will be as per the
SCHEDULE OF LOAN SANCTION TERMS.

8 Repayment of the Loan

8.1Borrower will be responsible for the required repayment amount in
full as mentioned in the Schedule of Loan Sanction Terms, on or
before the Due Date without any failure.
8.2Borrower undertakes to maintain sufficient balance in the account of
the drawee bank for payment of e Mandate/ E NACH issued by him
on the day when the Repayment becomes due.

7
WEEKLINE INVESTMENT AND TRADING COMPANY LTD,
 8.3The Loan is not renewable or extendable and is required to be paid
in full including accrued interest, processing and other fees as
recorded in the Schedule of Loan Sanction Terms.

9 Events of Defaults
The following events shall constitute 'Events of Default':
9.1The Borrower failing to complete the Repayment of the Loan or any
fee, charges, or costs in the manner herein contained or any other
amount due on or before the date on which it is due; or
9.2 The death of the Borrower; or
9.3The Borrower becomes insolvent or bankrupt; or
9.4Any of the e Mandate/ E NACH / Post Dated Cheques delivered or
to be delivered by the Borrower to the Lender is not realized for any
reason whatsoever on presentation; or
9.5Any instruction being given by the Borrower for Stop Payment of
any e Mandate/ E NACH / Post Dated Cheques for any reason
whatsoever; or
9.6On the Borrower committing breach of any of the terms or
representations made by the Borrower to the Lender under this
Agreement or any other document submitted by the Borrower being
found to be inaccurate or misleading.

10 Consequence of an Event of Default

10.1 The Service Provider on behalf of the Lender or Lender will take
such necessary steps as permitted by law against the Borrower to
realize the amounts due along with the interest at the decided rate
and other fees / costs as agreed in this Agreement including
appointment of collection agents, appointment of attorneys/
consultants, as it thinks fit; as well as
Cost of initiating legal proceedings and collection charges, if any,
incurred by lender, to be borne by the borrower

8
WEEKLINE INVESTMENT AND TRADING COMPANY LTD,
 10.2 Loan Acceleration. If Borrower is more than 【 3 】 days late in
making any payment, Lender may declare that the entire balance of
unpaid principal is due immediately, together with the interest that
has accrued.
10.3 In case e Mandate or E NACH is not realized, the Lender reserves
the right to initiate proceedings under Section 25 of the Payment
Settlement Act 2007 in addition to the recovery proceedings
initiated for non-repayment.
11 Notices
All correspondence shall be addressed to the address as mentioned in
the description of parties appearing in the preamble to this Agreement
and the registered email addresses of the parties.

12 Severability
If any part of this Agreement is found to be invalid or unenforceable,
then the invalid or unenforceable part will be deemed superseded by a
valid enforceable part that most closely matches the intent of the
original part and the remainder of the Agreement shall continue in
effect.

13 Governing law, Dispute Resolution and Jurisdiction

13.1 Any dispute, which could not be settled by the parties through
amicable settlement shall be finally settled by the court of law
having jurisdiction to grant the same. Jurisdiction – New Delhi, Delhi
13.2 This agreement and the arrangements contemplated hereby shall
in all respects be governed by and construed in accordance with the
laws of India.

14 Binding Effect
All warranties, undertakings and representations given herein by the
Parties shall be binding upon themselves and upon their legal
representatives and estates. This Agreement (together with any

9
WEEKLINE INVESTMENT AND TRADING COMPANY LTD,
 amendments or modifications thereof) supersedes all prior discussions
and agreements (whether oral or written) between the Parties with
respect to the Loan.

15 Entire Agreement
This Agreement, along with the terms and conditions and the
SCHEDULE OF LOAN SANCTION TERMS represents the entire
agreement.

16 Miscellaneous
16.1 Language
English shall be used in all correspondence and communications
between the Parties.
16.2 Cumulative Rights
All remedies of lender under this agreement whether provided
herein or conferred by statute, civil law, common law, custom, trade,
or usage are cumulative and not alternative and may be enforced
successively or concurrently.
16.3 Benefit of the Loan Agreement
This Agreement shall be binding upon and to ensure to the benefit
of each Party and its successors or heirs, administrators, as the case
may be.
16.4 Any delay in exercising or omission to exercise any right, power
or remedy accruing to the Lender under this Agreement or any other
agreement or document shall not impair any such right, power or
remedy and shall not be construed to be a waiver thereof or any
acquiescence in any default; nor shall the action or inaction of the
Lender in respect of any default or any acquiescence in any default,
affect or impair any right, power or remedy of Lender in respect of
any other default.

17 Acceptance

10
WEEKLINE INVESTMENT AND TRADING COMPANY LTD,
 The parties hereby declares as follows:
17.1 They have read the entire Agreement and shall be bound by all
the conditions.
17.2 The Agreement is presented in the form of electronic text in the
App and will be executed by clicking on the tabs or prompts
presented for the acceptance of the Agreement.
17.3 They agree that this Agreement shall be concluded and becomes
legally binding on the date when it is accepted by the Borrower by
means of prompts presented on the App for acceptance.

IN WHEREOF the Parties have executed this Agreement as of 17 July 2022 by

means of adding their acceptance on the App where they have logged in with
their valid credentials using their registered phone number and/or email IDs.

Borrower: Madhusudan Roy

Lender: WEEKLINE INVESTMENT AND TRADING COMPANY LTD

Schedule of Loan Sanction Terms

SN ITEM Description
1 Loan ID IL154837870327942348847
2 Sanction Date 17 July 2022
3 Borrower Madhusudan Roy
4 Borrower PAN AVIPR9004Q
5 Lender WEEKLINE INVESTMENT AND TRADING
COMPANY LTD
6 Service Provider / App TytoCash
7 Propose of Loan Else Personal Loan
8 Principal Loan Amount ₹2900

11
WEEKLINE INVESTMENT AND TRADING COMPANY LTD,
9 Rate of Interest 36% p.a.
10 Processing Fees charged by ₹856
the Service Provider
11 Other fees [Charged by] ₹0
13 Amount to be Disbursed ₹2044
14 Due Date 2022-09-14
15 Repayment Amount ₹2955.78
16 Penalty Interest 1%
17 Pre-Payment Penalty None
18 e mandate dishonour charges ₹0
19 Validity of Sanction 17 July 2022

12
WEEKLINE INVESTMENT AND TRADING COMPANY LTD,