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COIN LEAF RESOURCES LIMITED

BORROWER LENDER
Name: Cecilia Banda Coin Leaf Resources Limited
ID: 295863/10/1 Registration Number: 120220026451
Address: Off Alick Nkhata Road 1914, Kalingalinga, Legal address: 1282/35, Lusaka, Lusaka Province,
Lusaka, Zambia. Zambia
Cell Number: 0972551800 Informative telephone: 0978805182
E-mail address: coinleafzm@gmail.com
Please read the terms and conditions below before signing!!!!

02-02-2024
Loan Issue Date:..................
Loan Interest Type: Fixed
Loan Amount: K4000.00
Total Amount to be Paid By Borrower: K5400
Loan Term: One Month
Next Loan Payment Date:. 03-03-2024
Loan Interest Rate: 35.00%

The total loan amount to be paid by the borrow on the loan due date constitutes the sum total of the
outstanding loan principle plus the loan interest which shall be paid to the lender via cash, bank deposit, bank
transfer or through the lenders mobile money account.

Always reference your loan number when making payments, ensuring that loan details for which payment is
being made are referenced correctly.

Changes to the payment methods indicated in this agreement must be communicated to the loan officer at
least two days before the due date to facilitate necessary changes that may need to be made to this
agreement.

Payment Details: Mobile Money:

First National Bank Zambia: 62935113598
Branch Code: 260016 (Manda Hill)
Account Name: Coin Leaf Resources Limited

Borrower Coin Leaf Representative

Cecilia Banda Precious Mwanza

...................................... ......................................
02-02-2024
Date:.............................. 02-02-2024
Date:..............................
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KEY FACTS LOAN STATEMENT

*Please carefully go through a summary of facts on your loan before accepting the terms and conditions.

1. Loan Amount Being Borrowed: K4000.00 5. Loan Interest Rate: 9. Number of Payments: 1
35.00%
2. Duration of Loan Agreement: One Month 10. Payment Frequency:
6. Loan Interest: K1400 Monthly
3. Amount to be Received from Lender:
K4000.00 7. Total Cost of Credit: 11. Amount Per Payment:
K5400 K5400
4. Loan Arrangement Fee: K0.00
8. Date of First Payment: 03-03-2024

Amount of Loan you are Borrowing + Total Cost of your Loan = Total amount to be paid back

Late payment or missing payment will affect the total cost of your loan and this may severely
affect your financial situation.
You are required to make payments on your loan according to the loan agreement and to
notify us of any important changes in your financial situation.

Any questions or complaints?

Please call us on 0978-321919 or send an email to coinleafzm@gmail.com

Want to pay off your loan early?

You can do so without any extra charges. Early payment, if made within 14 days from date loan
was issued will be charged at 15% interest of the total outstanding loan principal

Borrower Coin Leaf Representative

Cecilia Banda Precious Mwanza

...................................... ......................................
02-02-2024
Date:.............................. 02-02-2024
Date:..............................
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LOAN TERMS AND CONDITIONS

I. Parties and the Subject Of the Agreement

This Loan Agreement (hereinafter referred as the "Agreement" ) has been signed by and between
the "Lender" Coin Leaf Resources Limited whose registered “address” is 1282/35, Lusaka, Lusaka
Province, Zambia and the “Borrower” whose name and address is as herein before mentioned.

By concluding this Agreement, the Lender agrees and undertakes to loan K4000.00 to the
Borrower and the Borrower agrees and undertakes to amortize the said amount plus agreed upon
interest as per terms and conditions herein contained.

II. Repayment

The Borrower shall pay the total sum borrowed plus interest in one installment over a total of 30
days from date of issue.

III. Consequences of Failure to Pay

Should the Borrower fail to pay the sum borrowed plus interest thereon the due date, the balance
due becomes due and demandable without the need for another notice. Further, the Lender shall
immediately have recourse to the collateral specified in the Section IV below and will thus be at
liberty to sale the same so as to realize the value of the loan payment.

For late payments and should the borrower exercise its rights to extend the loan period, a daily
default interest of 1% on the principal plus interest outstanding shall be applied.

For late payments, a daily default interest of 1% on the principal shall be applied.

Borrower Coin Leaf Representative

Cecilia Banda Precious Mwanza

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Date:.............................. Date:..............................
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IV. Collateral

With the signing of this Agreement, the borrower has to give loan collateral by using at least one of
the following methods in order to secure the debt;

Beatrice Banda
Guarantor: I ................................................... being the guarantor herein do agree to be bound
as co principal debtor (borrower) herein by the terms and conditions
Bank Letter of Guarantor
Collateral
Other (Please specify:................................

The Lender accepts and undertakes that after the payment of all installments and the expiration of
this Agreement, this warranty will become null and void.

V. Amendment

This Agreement shall be amended only by a written instrument which specifically refers to this
Agreement and is executed by the Lender and Borrower. This Agreement shall not be deemed to
be amended orally or by virtue of any continuing custom or practice.

VI. Governing Law and Dispute Resolution

The execution, effectiveness, construction, performance, amendment and termination of this

Agreement and the resolution of disputes hereunder shall be governed by the formally published
and publicly available laws of Zambia

VII. Assignment

Neither this Agreement nor any of the rights, interests or obligations hereunder shall be assigned
by any of the parties hereto without the prior written consent of the other party. Subject to the
preceding sentence, this Agreement will be binding upon, inure to the benefit of and be enforceable
by the parties and their respective successors and assigns.

VIII. Notifications

Any notice, offer, approval, request, or other communication (collectively, a “notice”) required or
permitted under this Agreement must be in writing and delivered to the addresses mentioned in this
Agreement above.

Borrower Coin Leaf Representative

Cecilia Banda Precious Mwanza

...................................... ......................................
02-02-2024
Date:.............................. 02-02-2024
Date:..............................