Our services are guaranteed and customer friendly, we offer loans at a low interest rate of 7.5%. Before
we can continue with this transaction, I want you to review the few terms and conditions below:

(l) Borrower will start the repayment of his/her loan (interest only) 2 months after the loan has been
transferred otherwise as agreed by both parties.

(2) Borrower will be given eight weeks (2 months) grace to payback the principle (loan amount) at the
end of the loan duration before legal actions will be taken.

(3) Failure to pay back the loan at the expected date / period, legal actions will be taken against the
borrower by our attorney, However, if we try to reach out to you for months and you don’t respond,
we may send your debt to a debt collector.

(4) The Borrower acknowledges and agrees that the rates of interest specified in the Transaction
Documents are reasonable and that they represent genuine pre-estimates of the loss expected to be
incurred by the Lender in the event of non-payment by the Borrower; and the rate of interest payable
by the Borrower shall be subject to change prospectively based on the monetary policies as may be
changed by the federal reserve Bank (“Fed”) and other factors impacting the interest rates.

(5) You will have to send me a scan copy of any of your ID CARD for proof OF Identity.

(6) There is no early repayment penalty: Smart Pay Solutions LLC will not charge you for pay off some
or all of your loan balance before the end of the loan term.

(7) Interest: The Interest rate applicable to all Loans Is 6.00%.

(8) Loan Process: It takes the interval of 2 to 3 days from application to funding.

(9) Loan Amount: Loan amount ranges from $10,000.00 to $200,000,000.00 plus.

(10) Loan duration: Loan duration ranges from 1 to 30 years

(l l) Address: You must inform us about change of circumstances and must tell us promptly if you
change your residential address or zip, or if you think there is any information That We Should be
aware of.

(12) Loan Deferment: When you encounter financial hardship, Smart Pay Solutions LLC will allow you
to do a loan deferment. During this time period, you won’t be responsible for repaying the loan.
However, your loan may continue to accrue interest. The deferment extends the loan term, which can
increase your overall cost of borrowing funds.

(13) Hard Credit Check: When you apply for a loan, Smart Pay Solutions LLC will not perform a hard
credit check or inquiry on your credit score.

(14) Co-signer: If you co-sign for a loan, you’ll be held responsible for repaying the loan if the primary
borrower defaults on the loan or misses a payment. This also can damage your credit, not just the
primary borrower’s credit.

(15) “Account” means the bank account where the Loan disbursement is requested and more
specifically provided under the Loan Application Form for EMI/FMI products, and for e-voucher
Loans the Borrower’s mobile number and email id shall be taken into consideration for the
purpose of “Account”.

(16) The Lender at it’s sole discretion may agree to grant the Facility to the Borrower on the basis
of the Application Form ,

(17) The Lender shall not be obliged to provide any written acceptance to Drawdown Request of
the Borrower and may do so orally or by disbursement of a Loan (or a part thereof). and
acceptance of the Borrower’s request shall be at the absolute discretion of the Lender and the
Lender shall not be required to notify any rejection of the Application Form to the Borrower.

(18) The Borrower shall not use the fund for purchase of gold in any form or bribe any person. The
Borrower shall ensure that the obligations under the Transaction Documents shall at least rank
with all its unsecured and unsubordinated obligations.

(19) The Borrower shall provide and complete all payment mandates, as and when requested by
the Lender, to the Lender or to the Delegate.

(20) There is usually a onetime refundable retainer fee, This fee covers the lender’s costs of
underwriting, processing and administering your loan and transfer of funds to your account and this
usually depends on the amount you are looking for.

(21) The Lender may also delegate to such person(s) the right and authority to perform and execute
all such acts, deeds, matters and things connected herewith, or incidental thereto, as the Lender
may deem fit. The Borrower recognizes, accepts and consents to such delegation. The Borrower
shall ensure that all payment mandates including, electronic clearing service (ECS) or mandate, if
any, provided to the Lender or to the Delegate, are honored at all times and such mandates are
not altered or amended without prior permission of the Lender.
If you are in terms with us then we can start with the processing of the loan fund