Annexure A

Key Facts Statement

Date : 22-02-2025 VALIDITY : 3 Working days

Part 1 (Interest rate and fees/charges)

1 Loan 8693a8cb-
proposal/ 4438-4cdb-
Type of Loan Term Loan - Consumer Durable
account 813d-
No. 26df24f2f1f9

2 Sanctioned Loan amount

29590.0
(in ₹)

3 Disbursal schedule 100% upfront

(i) Disbursement in stages
or 100% upfront
(ii) If it is stage wise,
mention the clause of loan
agreement having relevant
details

4 Loan term (year/months/days) 11 Months

5 Instalment details

Type of Number of
EPI (₹) Commencement of repayment, post sanction
instalments EPIs

Monthly 11 2690.0 05-04-2025

6 Interest rate (%) and type (fixed or floating or hybrid) 0.00 / Fixed

Page 1 of 7 Acknowledgement No. K-SS-20250222180240-968347 / ENGLISH

7 Fee/ Charges

Payable to a third party

Payable to the RE (A)
through RE (B)

Amount (in ₹) Amount (in

or Percentage ₹) or
(%) as One-
One-time/Recurring Percentage
applicable time/Recurring
(%) as
Amount GST applicable

(I) Admin & Processing Fee One time 422.88 76.12

8 Annual Percentage Rate

2.89
(APR) (%)#

9 Details of Contingent Charges (in ₹ or %, as applicable)

(I) Penal Charges Rs. 649/-*

(II) Cheque/Mandate Swap Charges Rs.500/-

(III) Cheque/Mandate Bounce Charges : Mandate Rejection Charge Rs.590/-

(one time during loan tenure)

(IV) Preclosure Charges 0 - 4% of Principal Outstanding

(V) Document/Duplicate Document Charges : Duplicate NOC Rs. 250/-

(VI) Document/Duplicate Document Charges : Physical copy of SOA Rs. 500/-

(VII) Document/Duplicate Document Charges : Physical repayment Rs. 500/-

schedule

(VIII) Legal charges On Actuals

(IX) Recovery charges On Actuals

10 Optional Services Opted Amount Payment Mode

(I) Samsung Care+ Not Applicable EMI

# APR is exclusive of Optional Services Opted (on down-payment) except for Chola Anmol Program Fee
* GST is not Applicable

Page 2 of 7 Acknowledgement No. K-SS-20250222180240-968347 / ENGLISH

 Part 2 (Other qualitative information)

1 Clause of Loan agreement The Company shall have full power and authority to appoint one or more third
relating to engagement of parties of the Company choice to verify any fact or information furnished by the
recovery agents Borrower and/or to transfer or delegate to such third parties the right and authority
to take all acts/steps as are necessary for the Company to take in order to recover
/receive amounts due to the Company or collect on behalf of the Company all
unpaid amounts under the Loan, attend the office or residence of the Borrower,
receive the amounts due, and generally perform all lawful acts as the third party
may consider appropriate for such purposes.(Clause 9.13)

2 Clause of Loan agreement which GRIEVANCE REDRESSAL MECHANISM: The Company has laid out a detailed
details grievance redressal grievance redressal mechanism in line with the extant guidelines of RBI. The
mechanism grievance redressal mechanism and contact details are available at
https://cholamandalam.com/grievance-redressal.aspx. The Borrower may get
his/her grievance/s redressed under the said grievance redressal mechanism.
(Clause 9.14)

3 Phone number and email id of the Phone No: 044 – 40906114

nodal grievance redressal officer Email ID : principalnodalofficer@chola.murugappa.com
gro@chola1.murugappa.com

4 Whether the loan is, or in future Yes

maybe, subject to transfer to
other REs or securitisation (Yes/
No)

5 In case of lending under collaborative lending arrangements (e.g., co-lending/ outsourcing),

following additional details may be furnished:

Name of the originating RE, along Name of the partner RE along Blended rate of interest
with its funding proportion with its proportion of funding

Not applicable Not applicable Not applicable

6 In case of digital loans, following specific disclosures may be furnished:

(i) Cooling off/look-up period, in terms of 3 Days

RE's board approved policy, during which
borrower shall not be charged any penalty
on prepayment of loan

(ii) Details of LSP acting as recovery agent Not applicable

and authorized to approach the borrower

Page 3 of 7 Acknowledgement No. K-SS-20250222180240-968347 / ENGLISH

 Annexure B

Computation of APR

Sr Parameter Details
No

1 Total Sanctioned Loan amount (in ₹) (Sl no. 2 of the KFS template – Part 1) 29590.0

A Sanctioned Loan amount (in ₹) 29590.0

B Optional Services Opted Amount (in ₹) (payable over balance tenor) – Part 1 0.0

2 Loan Term (in years/ months/ days) (Sl No.4 of the KFS template – Part 1) 11 Months

A No. of instalments for payment of principal, in case of non-equated periodic loans NA

B Type of EPI Monthly

Amount of each EPI (in ₹) and
nos. of EPIs (e.g., no. of EMIs in case of monthly instalments) 2690.0
(Sl No. 5 of the KFS template – Part 1) 11

C No. of instalments for payment of capitalised interest, if any NA

D Commencement of repayments, post sanction (Sl No. 5 of the KFS template – 05-04-2025
Part 1)

3 Interest rate type (fixed or floating or hybrid) (Sl No. 6 of the KFS template – Part Fixed
1)

4 Rate of Interest (%) (Sl No. 6 of the KFS template – Part 1) 0.00

5 Total Interest Amount to be charged during the entire tenor of the loan as per the 0.00
rate prevailing on sanction date (in ₹)

6 Fee/ Charges payable (in ₹) (Sl no. 7 of the KFS template – Part 1) (inclusive of 499.0
GST)

A Payable to the RE (in ₹) (Sl No.7A of the KFS template-Part 1) (inclusive of GST) 499.0

B Payable to third-party routed through RE (in ₹) (Sl No.7B of the KFS template – 0
Part 1) (inclusive of GST)

C(i) Total amount for Optional Services Opted by borrower paid upfront (in ₹) (Sl No.10 0
of the KFS template-Part 1) (inclusive of GST)

C(ii) Total amount for Optional Services Opted by borrower paid over EMIs (in ₹) (Sl 0.0
No.10 of the KFS template-Part 1) (inclusive of GST)

Page 4 of 7 Acknowledgement No. K-SS-20250222180240-968347 / ENGLISH

 7 Net disbursed amount {1-6} (in ₹)# 28567.00

8 Total amount to be paid by the borrower (1+5) (in ₹) 29590.0

9 Annual Percentage rate- Effective annualized interest rate(%) (Sl No.8 of the KFS 2.89
template-Part 1) **

10 Schedule of disbursement as per terms and conditions Detailed schedule to

be provided

11 Due date of payment of instalment and interest 05th of the month

** APR is exclusive of Optional Services Opted (on down-payment) except for Chola Anmol Program Fee
# Net disbursed amount is net-off the Dealer Subvention amount of Rs. 524.0 borne by the dealer

Acceptance from borrower

A
✓ OTP verify by: Singh Shivanshu
Mobile 7236966400
IP 192.168.40.90
Lat & Long &
Date and Sat Feb 22 2025 18:03:12 GMT+0530
time (India Standard Time)
Borrower Name & Signature

Page 5 of 7 Acknowledgement No. K-SS-20250222180240-968347 / ENGLISH

 Annexure C

Repayment Schedule under Equated Periodic Instalment for the loan detailed hereinbelow

Instalment No. Outstanding Principal (in ₹) Principal (in ₹) Interest (in ₹) Instalment (in ₹)

1 29590 2690 0 2690

2 26900 2690 0 2690

3 24210 2690 0 2690

4 21520 2690 0 2690

5 18830 2690 0 2690

6 16140 2690 0 2690

7 13450 2690 0 2690

8 10760 2690 0 2690

9 8070 2690 0 2690

10 5380 2690 0 2690

11 2690 2690 0 2690

I/We can read and understand the terms in English. I/We agree to receive all documents/correspondence in
English.”

I/We acknowledge that all the key facts of the loan agreement are explained in the Key Fact Statement and I/We
have fully understood the same and taken an informed decision

“Further, I/We hereby give my/our consent to deduct Insurance premium in relation to the insurance scheme, if any,
as agreed and opted for by me/us and I/We am/are aware that the same will be deducted from the loan amount at
the time of disbursal.

Read, understood and accepted

Acceptance of Borrower
A
✓ OTP verify by: Singh Shivanshu
Mobile 7236966400
IP 192.168.40.90
Lat & Long &
Date and Sat Feb 22 2025 18:03:12 GMT+0530
time (India Standard Time)
Borrower Name & Signature

Page 6 of 7 Acknowledgement No. K-SS-20250222180240-968347 / ENGLISH

*” Please note that the repayment schedule provided hereinabove is tentative which may change on the basis of
actual date and quantum of Loan disbursement and the revised repayment schedule will be communicated to
Borrower and the same shall be considered as part of the Key Fact Statement”.

Page 7 of 7 Acknowledgement No. K-SS-20250222180240-968347 / ENGLISH

 Sanction Letter
Cholamandalam Investment and Finance Company Limited,
Chola Crest, C54-55 & Super B-4, Thiru-Vi-Ka Industrial Estate, Chennai Guindy Industrial Estate, Guindy, Chennai, Tamil
Nadu 600032. CIN: L65993TN1978PLC007576.
To:
Name: Singh Shivanshu Date: 22-02-2025 18:04:00

Address: 12,BALRAMPUR,PATKHAULI , 276001 Place: Azamgarh

We are glad to inform you that your loan CFSF41258408 has been sanctioned
on the following terms and conditions.

Type of Loan Term loan

Purpose of Loan Purchase of Mobile device

Amount Sanctioned (In Rupees) 29590.0

Term (In Months) 11 months

Number of Installments 11

Type of Interest Fixed

Annual Percentage Rate (in %) 2.89

Business IRR 12.39

Cheque/Mandate Swap Charges Rs.500/-

Mandate Rejection Charges Rs.590/-

Penal Charges Rs.649/-

Amount of each Installment

2690.0

Mode of Repayment Mandate/NACH

Charges on Preclosure - Full & Final 0

Login Fee – Document charges 0

(Non Refundable)
Admin & Processing Fee received Rs.499.00/- (Inclusive of GST)
from customer (Non Refundable)
Cooling off Period 3 Days

Note: All the aforesaid fees and charges are exclusive of applicable taxes, duties, levies, surcharges and cess as may be applicable
from time to time

Digitally signed by: Singh Shivanshu

IP Address: Refer KFS

OTP Consent Date & Time: 22-02-2025 18:04:00

Mobile Number: 917236966400

Latitude/Longitude: 26.0645757 83.1832633

Please read the following general terms and conditions for sanction of loan.

General terms and conditions

1. This sanction is subject to execution of loan documents in the format as may be prescribed and the disbursement
shall be at the sole discretion of Cholamandalam Investment and Finance Company Limited (“CIFCL/the
Company”).
2. CIFCL may at any point in time require additional documents and reserves its right to amend the terms of the
sanction before disbursement under intimation.
3. Any advance payments made by you prior to the instalment due dates for whatsoever reasons, shall be given credit
to your loan account. However, adjustments of such advance amount received against instalment will be given for
such payments only on the instalment due dates. Such advance payments received will not be eligible for any rebate
in interest.
4. All payments should be made promptly on due dates and shall be made in favour of CIFCL vide ACH/ E-NACH
or such other mode at the discretion of CIFCL.
5. Additional charges including service charges, documentation charges, outstation cheque charges etc., may be
levied by CIFCL as may be applicable to the Borrower.
6. The rates of interest will be different for different categories of borrowers based on the individual credit and risk
profiles and based on the interest rate model disclosed in the Company's website.
7. Kindly refer KFS for the charges applicable for a) penal charges, b) Cheque and Mandate Swap Charges,
c) Cheque and Mandate Bounce Charges, d) Pre -closure Charges, e) Document and Duplicate Document
Charges, f) Legal Charges, g) Recovery Charges, Chola Anmol Program Fee. The Borrower is liable
topay stamp duty as applicable. All taxes, duties, levies, surcharges and cess including but not limited to
Goodsand Services Tax (GST) shall be charged as may be applicable from time to time.
8. Alteration and rescheduling of the installments: CIFCL reserves its rights to change or re-schedule the installments
or any of the terms and conditions, prospectively with the formal consent of the Borrower.
9. Borrower can exit the loan transaction by paying the principal and the proportionate Annual Percentage Rate
without paying any Preclosure charge during the aforesaid cooling off period..
10. Termination and Company's other rights: In case of expiry of the term of Loan specified in Loan Agreement or
earlier by notice by the Company, the Loan Agreement shall stand terminated. In such an event, the
Borrower/Guarantor shall not be entitled to the benefit of paying the loan in installments of the amounts remaining
payable, which shall fall due immediately together with the amount already in arrears and shall be liable to pay
Additional Interest on the termination price until realization of the full payment.
11. Event of Default: The following shall be construed as events of default: If the Borrower/Guarantor fails to perform
any of their obligations; dishonours mandates, becomes insolvent, bankrupt proceedings are initiated against them,
convicted or charged by any Court of law/Government authorities for any offence; there is any material change in
the purpose(s) for which the Loan has been sanctioned; violates any of the terms and conditions of the Loan
Agreement. On the question whether any of the above events/circumstances has occurred, the decision of the
Company shall be final, conclusive and binding on the Borrower/Guarantor. The above terms are only gist of few
important terms and the Borrower/Guarantor may refer the Loan Agreement for the detailed version.
12. As a precondition to the Loan to be granted to the Borrower, the Borrower/Guarantor by accepting this Sanction
Letter authorize, consent and agree for the disclosure and sharing of all or any information and data relating to the
Borrower to the Reserve Bank of India (“RBI”) and/or to the Credit Information Companies (CIC) and/or to any
other agency authorized in this behalf by RBI / CIC, to the CIFCL’s professional advisers and consultants, to its
group companies, subsidiaries or any other person as CIFCL may deem fit.
13. The Borrower may be required to provide one-time access to his/her mobile phone camera, microphone and
location based on the requirement of capturing his/her photo and identifying the location as the same will be
necessary for the purpose of on-boarding/ KYC requirements. The borrower can either give or deny consent for
such access during the loan tenure. In the case of Borrower denying consent, the on-boarding may fail and
resultantly, CIFCL will be forced to withdraw this sanction letter.
14. This Sanction Letter forms an integral part of the loan General Terms and Conditions and shall be read in consonance
with the General Terms and Conditions. In case of discrepancies between terms and conditions and Sanction Letter,
the terms and conditions would override this Sanction Letter.
 15. A soft copy of the General Terms and Conditions entered into by the Borrower with the Company will be emailed
within 30 days from the date of disbursement of loan after a due health check by the Central Processing Unit of the
Company at Chennai.
16. CIFCL reserves its right to amend/modify the charges/fee and terms prospectively with formal consent of the Borrower.
17. A copy of the Key Fact Statement (KFS) is enclosed herewith as per RBI guidelines which contains the details
pertaining to the loan.
18. The Borrower/Guarantor hereby agrees, understands, acknowledges and confirms that he/she/they may execute this
Sanction Letter and Loan documents in any electronic/digital form (where applicable) by affixing digital/electronic
signature or through an OTP (One Time Password) and/or e-link sent to our declared mobile number or e-mail ID
and/or by clicking ‘I Agree/Accept’ button or any other mode, which shall be a binding contract between Borrower/
Guarantor and CIFCL.

Thanking you,
Yours faithfully,

For Cholamandalam Investment and Finance Company Limited

Authorized Signatory

Enclosure: Key Fact Statement

Digitally signed by:

IP Address:
OTP Consent Date & Time:
Mobile Number:
Latitude/Longitude:
 General terms and conditions of loan

THE BORROWER UNDERSTANDS AND ACKNOWLEDGES THAT THE PRODUCT/MOBILE DEVICE SHALL BE
DELIVERED WITH A MOBILE APPLICATION WHICH SHALL, ON OCCURRENCE OF EVENTS AS DETAILED
HEREIN INCLUDING DELIQUENCY/DELAY IN PAYMENT, ACTIVATE THE DEVICE FUNCTIONALITY
RESTRICTION BY DISABLING THE USE OF THE PRODUCT AND DISABLING THE USE OF THE MOBILE
DEVICE EXCEPT EMERGENCY CALLS AND RECEIVING OF CALLS. THE BORROWER ALSO UNDERSTANDS
THAT ON RECTIFICATION OF THE DELINQUENCY / DEFAULT IT WILL TAKE A MINIMUM OF 48 HOURS
ON BUSINESS DAYS TO DEACTIVATE THE RESTRICTION ON DEVICE FUNCTIONALITY AND THE
BORROWER CONFIRMS THAT IT SHALL HAVE NO CLAIMS PERTAINING TO REASONABLE TIME TAKEN
FOR DEACTIVATING THE DEVICE FUNCTIONALITY RESTRICTION.

GENERAL TERMS AND CONDITIONS OF LOAN ("GC") for loans by Cholamandalam Investment and Finance
Company Limited having its registered office Chola Crest, C54-55 & Super B-4, Thiru-Vi-Ka Industrial Estate,
Chennai Guindy Industrial Estate, Guindy, Chennai, Tamil Nadu 600032 (“Chola” or the ”Lender” which shall,
unless repugnant to the context or meaning thereof, be deemed to mean and include its successors and
permitted assigns).

1 DEFINITIONS
1.1 The terms and expressions contained in these GC and the Loan Application Form are defined as
under:
“Mobile Application” shall mean the Samsung Finance Plus application provided by Samsung
India Electronics Private Limited;
"Borrower(s)" shall mean the person(s) as detailed in the Loan Detail Sheet;
"Borrower's Dues" means all sums payable by the Borrower to CHOLA, including outstanding
Facility, interest, all other charges, costs and expenses;
"Delinquent" or "Delinquency" in respect of any payment means when the Borrower fails to
make payment of any Borrower's Dues on its Due Date;
"Device Functionality Restriction" shall mean the activation of the Mobile Application by
Samsung on intimation of CHOLA which will restrict the functionality of the Product and the
Borrower shall be able to use the Product only for Emergency Calls, receiving of calls and/or
such other purposes as may be required to be permitted under applicable laws;
"Due Date" in respect of any payment means the date on which any amount is due from the
Borrower to CHOLA;
"Emergency Calls" shall mean a voice call to the following numbers: 101, 102, 103, 104, 105,
106, 107, 108, 109, 112;
"EMI" means the equated monthly amount to be paid by the Borrower towards repayment of
the outstanding Facility and payment of interest (if applicable) as per Financing Documents;
"Facility" means the loan facility granted by CHOLA to the Borrower as per Loan Details Sheet
for the Purpose;
"Financing Documents" means these GC, the Loan Application, the Loan Details Sheet, including
the annexures hereto and any documents executed by the Borrower or as required by CHOLA,
as amended from time to time;
"Loan Application" means the application in the prescribed form filled by the Borrower for
seeking financing from CHOLA; "Loan Details Sheet" means the Loan Details Sheet executed
between CHOLA and Borrower;
"Material Adverse Effect" means any event which in CHOLA's opinion would have an adverse
effect on (i) Borrower's ability to pay the Borrower's Dues or (ii) recoverability of the
Borrower's Dues;
“Penal Charges” means the charge as prescribed in the Sanction Letter/Key Fact Statement,
Loan Details Sheet which is payable by Borrower who commit default in making the repayment
after the due date;

1
 "Product" or "Mobile Device" shall mean any mobile device manufactured and sold by Samsung
which is proposed to be purchased by the Borrower from the Vendor;
"Purpose" means the utilization of Facility for purchase of the Product;
"Samsung" shall mean Samsung India Electronics Private Limited;
"Vendor" shall mean all authorized dealers of Samsung.
1.2 In this Agreement,
a) The singular includes the plural (and vice versa).
b) Reference to a gender shall include references to the female, male and neutral genders.
c) Reference to “business day” shall mean any day other than Saturday, Sunday and public
holidays, on which Chola is open for regular business and banks are open for regular
business in India
d) The table of contents, headings and the use of bold typeface, are inserted for ease of
reference and shall be ignored in the construction and interpretation of the GC;
e) A reference to a Clause or Schedule is, unless indicated to the contrary, a reference to a
Clause or Schedule to these GC;
f) References to the GC shall be construed as references also to any separate or independent
stipulation or agreement contained in it;
g) References to a person shall include such person's successors, legal heirs and legal
representatives;
h) All references to agreements, documents or other instruments include (subject to all
relevant approvals) a reference to that agreement, document or instrument as amended,
restated, supplemented, substituted, novated or assigned from time to time; and
i) All references to any law shall include the law as amended or replaced from time to time,
and all references to applicable laws shall include all laws that apply to the parties and
subject-matter in question, whether in India or in any other jurisdiction.
2 DISBURSEMENT
2.1 The Borrower hereby requests the drawdown of the Facility and CHOLA shall have the sole and
absolute discretion to allow or reject such request based on credit evaluation etc. of the Borrower.
2.2 The Borrower understands that, subject to CHOLA approving the disbursement request, the
disbursement of the Facility shall be directly to the Vendor and shall be treated as having been
disbursed to the Borrower.
2.3 The Borrower shall pay non-refundable processing charges as stated in the Loan Details Sheet, along
with tax thereof, which may be added as a deemed disbursement to the drawdown of the Facility and
the Borrower will accordingly be liable for entire Facility.
2.4 THE BORROWER UNDERSTANDS THAT THE FACILITY HAS BEEN GRANTED ON THE
UNDERSTANDING OF THE BORROWER THAT, ON PURCHASE OF THE PRODUCT, THE BORROWER
SHALL OR SHALL ALLOW THE VENDOR'S REPRESENTATIVE OR SAMSUNG'S REPRESENTATIVE TO
DOWNLOAD THE MOBILE APPLICATION WHICH HAS THE DEVICE FUNCTIONALITY RESTRICTION
IN THE PRODUCT WHICH IS BEING FUNDED BY CHOLA. THE BORROWER UNDERSTANDS THAT
THIS IS A SAMSUNG MOBILE APPLICATION AND ALSO CONFIRMS THAT HE/ SHE HAS READ,
UNDERSTOOD AND ACCEPTS THE TERMS OFSERVICES AND PRIVACY POLICY OF SAMSUNG AS
PROVIDED IN SCHEDULE HERETO INLCUDING THE TERMS PERTAINING TO SHARING AND
STORING OF INFORMATION PROCURED THROUGH MOBILE APPLICATION BY SAMSUNG.
3 INTEREST AND REPAYMENT
3.1 The Borrower will pay interest (if applicable) on the Facility from the date of drawdown and all other
amounts due as provided in Loan Details Sheet which shall become payable upon the footing of
compound interest with monthly rests. The Borrower will be liable for the entire Facility and shall
pay the full amount of the Facility. However, in such cases, in the event the instalment is not
paid on the Due Date, Penal charges, at the prescribed rate ("Penal Charges") shall become
payable as per Loan Details Sheet.

2
3.2 The tenure of the Facility shall be as provided in the Loan Details Sheet. EMI shall be as calculated
by CHOLA as required for amortization of the Facility within the tenure and interest payable thereon.
EMI shall only be towards principal outstanding and interest thereon and does not include any
default interest or any other charges payable by the Borrower pursuant to Financing Documents.
3.3 The payment of each EMI on time is the essence of the contract. The Borrower acknowledges that
s/he has understood the method of computation of EMI and shall not dispute the same.
3.4 All Borrower's Dues, including EMI, shall be payable by the Borrower to CHOLA within the timelines
agreed to between Chola and the Borrower in the Financing Documents.
3.5 CHOLA shall be entitled to revise the rate of interest, if so required under any applicable law and
CHOLA may recompute the EMI / the number of EMI for repayment of outstanding Facility and
interest. Any such change as intimated by CHOLA to Borrower will be final and binding on the
Borrower. In case of such revision the Borrower shall be entitled to prepay, within 30 (thirty) days
of such revision, the entire outstanding Facility along with accrued interest (if applicable), without
any prepayment penalty.
3.6 In case of delayed payments, without prejudice to all other rights of CHOLA including the right
to activate Device Functionality Restriction, CHOLA shall be entitled to Penal Charges (as
prescribed in key fact statement/Loan Details Sheet) from the Borrower for the period of delay
3.7 The Borrower may pre-pay the Facility prior to its scheduled tenure subject to such conditions, as
may be stipulated by CHOLA, but without any prepayment charges.
3.8 The Borrower shall bear all interest, tax, duties, cess duties and other forms of taxes whether
applicable now or in the future, payable under any law at any time in respect of any payments made
to CHOLA under the Financing Documents. If these are incurred by CHOLA, these shall be
recoverable from the Borrower.
3.9 Notwithstanding any terms and conditions to the contrary contained in the Financing Documents,
the amounts repaid by the Borrower shall be appropriated firstly towards cost, charges, expenses
and other monies; secondly towards Penal Charges, if any; thirdly towards interest; and lastly
towards repayment of principal amount of a Facility.
3.10 Interest (if applicable), shall accrue from day to day and shall be computed on the basis of 360 days
a year and the actual number of days elapsed.
3.11 If the Due Date is not a business day, the amount will be paid by Borrower on immediately
succeeding business day.
3.12 All sums payable by the Borrower to CHOLA shall be paid without any deductions whatsoever.
Credit/ discharge for payment will be given only on realization of amounts due.

4 MODE OF PAYMENT, REPAYMENT AND PREPAYMENT

4.1 The Borrower shall, as required by CHOLA from time to time, provide (i) post-dated cheques
("PDCs") or (ii) National Automated Clearing House (Debit Clearing)/ any other electronic or other
clearing mandate (collectively referred to as "NACH") as notified by the Reserve Bank of India
("RBI") against Borrower's bank account for payment of dues. Such PDCs/NACH shall be drawn from
such bank and from such location as agreed to by CHOLA. The Borrower shall honor all payments
without fail on first presentation/ due dates. PDC/ NACH provided by the Borrower may be utilized
by CHOLA for realization of any Borrower's Dues. The Borrower hereby unconditionally and
irrevocably authorizes CHOLA to take all actions required for such realization. The Borrower shall
promptly (and in any event within seven (7) days) replace the cheques and/ or the NACH and/ or
other documents executed for payment of Borrower's Dues as may be required by CHOLA from time
to time, at its sole discretion.
4.2 The Borrower shall, at all times maintain sufficient funds in his/her bank account/s for due payment
of the Borrower's Dues on respective Due Dates. Borrower shall not close the bank account/s from
which the cheques / NACH have been issued or cancel or issues instructions to the bank or to CHOLA
to stop or delay payment under the PDC / NACH and CHOLA is not bound to take notice of any such
communication.

3
4.3 The Borrower agrees and acknowledges that the PDC/ NACH have been issued voluntarily in
discharge of the Borrower's Dues and not by way of a security for any purpose whatsoever. The
Borrower also acknowledges that dishonor of any PDC/ NACH is a criminal offence under the
Negotiable Instruments Act, 1881/The Payment and Settlements Act, 2007. The Borrower shall be
liable to pay dishonor charges for each PDC/ NACH dishonor (as prescribed in Loan Details Sheet).
4.4 Any dispute or difference of any nature whatsoever shall not entitle the Borrower to withhold or
delay payment of any EMIs or other sum and CHOLA shall be entitled to present the PDC/ NACH on
the respective due dates.
4.5 Notwithstanding the issuance of cheques / NACH, the Borrower will be solely responsible to ensure
timely payment of dues.
4.6 Borrower is liable to pay cheque/ACH/E-NACH dishonor/mandate rejection per bounce/rejection
as prescribed in the Sanction Letter/Key Fact Statement, Loan Details Sheet.
4.7 In the event of the Borrower failing to pay the installments on or before the respective Due Dates and
charges (if any) as and when it falls due under the Agreement, CHOLA shall classify the facility as special
mention account (SMA)/ non performing account (NPA) or under such other category as per the
applicable guidelines of the Reserve Bank of India (RBI) at the end of Due Date. The basis for
classification of SMA and NPA categories and the example for the same are provided in the Annexure 1.

5 BORROWER'S COVENANTS, REPRESENTATION AND WARRANTIES

5.1 Borrower also undertakes and covenants as below:
(i) The Borrower shall observe and perform all its obligations under the Financing Documents.
(ii) The Borrower shall immediately deliver to CHOLA all documents, including bank account
statements as may be required by CHOLA fromtime to time.
(iii) The Borrower also authorizes CHOLA to communicate independently with (i) any bank
where the Borrower maintains an account and to seekdetails and statement in respect of
such account from the bank and (ii) with any employer of any Borrower as CHOLA may
deem necessary, including for monitoring Borrower's creditworthiness.
(iv) The Borrower shall immediately notify CHOLA of any litigations or legal proceedings against
any Borrower.
(v) The Borrower shall notify CHOLA of any Material Adverse Effect or Event of Default.
(vi) The Borrower shall notify CHOLA in writing of all changes in the location/ address of office
/ residence/ place of business or any change/ resignation/ termination / closure of
employment/ profession /business.
(vii) The Borrower shall not leave India for employment or business or long term stay abroad
without fully repaying the Facility then outstanding, together with interest and other dues
and charges.
(viii) The Borrower shall ensure deposit of salary and / or business proceeds in the account from
which PDCs/ECS have been issued to CHOLA.
(ix) The Borrower shall comply at all times with applicable laws, including, Prevention of Money
Laundering Act, 2002.
(x) The Borrower shall not delete or remove the Mobile Application or undertake any such
actions which may hamper/restrict the operation of the Mobile Application.
(xi) Borrower shall not be entitled to any increase in the Facility amount by reason of any increase
in the purchase price of any Product. However, in the event of any decrease in the purchase
price, CHOLA may in its discretion reduce the principal amount of the sanctioned Facility.
(xii) The Borrower understands that the Vendor shall be exclusively responsible for delivery of
the Product and CHOLA shall not be liable for any delay in delivery or non-delivery of the

4
 Product and/ or with respect to the quality, condition, fitness, suitability or otherwise
whatsoever of the said Product.
(xiii) The Borrower confirms that in the case of Product return in accordance with the policy of
Samsung and Vendor, CHOLA will treat the relevant Facility repaid only if the Vendor refunds
the entire amount of the Facility to CHOLA upon compliance by the Borrower with the return
policy of Samsung. In case of such refund, CHOLA shall refund the EMI, if any, paid by the
Borrower, less interest if any for the period between purchase and refund, and treat the
Facility as fully discharged. The processing fees will not be reimbursed and will be adjusted
against therefund, if any.
(xiv) The Borrower shall not part possession or ownership of the Product or transfer the Product
including creation of any third-party rights thereon without written consent of CHOLA.
(xv) The Borrower shall ensure due maintenance of the Product.
(xvi) That CHOLA shall have the right to classify the Borrower, as the case may be, as wilful
defaulter on occurrence of a wilful default and report the same to the credit information
companies (CIC) and publish the name, photograph of the wilful defaulter in newspaper(s)
and/or such other mode at its sole discretion as deem fit, in compliance with the extent
regulations of Reserve Bank of India (RBI).
The terms ‘wilful default’ and ‘wilful defaulter’ shall have the meaning as ascribed to it under
the Reserve Bank of India (Treatment of Wilful Defaulters and Large Defaulters) Directions,
2024, as amended or repealed from time to time.
In respect of the classification of the wilful defaulter, the Borrower further covenants that:
(i) The Borrower has not been declared as a wilful defaulter. The Facility or any part thereof
shall be utilised only for the purpose for which it is sanctioned. If the CHOLA desires a specific
certification from the Borrower or his/her auditor(s) regarding the usage of funds by the
Borrower, the CHOLA shall have the right to require the same from the Borrower or his/her
auditor(s).
(xvii) That in case there is a suspicion, indication of wrongdoing or fraudulent activity with respect
to the loan and/or other financial transactions of the Borrower, CHOLA shall be entitled to
conduct an audit on its own through its employee(s), agent(s) and/or an external audit
through external auditor(s)/accountant(s) of CHOLA 's choice at the Borrower’s costs and
expenses. The Borrower shall allow the CHOLA's employee(s), agent(s),
accountant(s)/auditor(s) access to its office(s)/premises and to all their records and furnish
whatever information/records required by them for the purpose of the said audit. On the
basis of the audit report(s) received by the CHOLA from its employee(s), agent(s) and/or
external auditor(s)/accountant(s) or on the basis of the relevant materials/records available
with the Company and its own investigation / assessment in the event where the audit
report(s) submitted remains inconclusive or is delayed due to non-cooperation by the
Borrower, CHOLA shall conclude on status of the loan account as a fraud or otherwise. CHOLA
will follow the extant guidelines of the RBI in concluding the status of loan account as a fraud
or otherwise.
(xviii) That in the event of the Borrower is holding more than one loan account with CHOLA, if one
loan account of the Borrower is identified as a fraud by CHOLA, CHOLA shall be entitled to
examine/conduct aforesaid audit with respect to the other accounts of Borrower.
(xix) That CHOLA shall also be entitled to report the incidents of fraud in the loan accounts of the
Borrower to appropriate law enforcement agency(ies) such as police, other relevant
authorities and/or RBI.

5.2 The Borrower hereby creates a first and exclusive charge on the Product in favor of CHOLA.
5.3 Each Borrower represents and warrants to CHOLA as under:
(i) Complete and accurate information has been provided by Borrower to CHOLA in the Loan
Application and any other document, whether or not such information is relevant for
ascertaining the credit-worthiness of the Borrower;
5
 (ii) The Borrower is capable of and entitled under all applicable laws to execute and perform
the Financing Documents and the transactions thereunder;
(iii) The Borrower is above 18 years of age and this GC is a legal, valid and binding obligation on
him/her, enforceable against him/her in accordance with its terms;
(iv) The Borrower declares that he/ she is not prohibited by any law from availing this Facility;
(v) No event has occurred which shall prejudicially affect the interest of CHOLA or affect the
financial conditions of Borrower or affect his/her liability to perform all or any of their
obligations under the Financing Documents;
(vi) Borrower is not in default of payment of any taxes or government dues;
(vii) The Borrower will do all acts, deeds and things, as required by CHOLA to give effect to the
terms of this GC; and
(viii) That there are no bankruptcy or insolvency proceedings against the Borrower.

5.4 The Borrower gives its consent to CHOLA to use/ store all the information provided by the Borrower
or otherwise procured by CHOLA in the manner it deems fit including for the purposes of this Facility
or for its business and understands and agrees that CHOLA may disclose such information to its
contractors, agents and other third parties. The information provided by Borrower shall be subject
to CHOLA's Privacy Policy provided at https://www.cholamandalam.com/privacy-policy.aspx.

5.5 THE BORROWER CONFIRMS THAT IT UNDERSTANDS THAT CHOLA SHALL HAVE IRREVOCABLE
AND UNCONDITIONAL RIGHT ON OCCURRENCE OF DELINQUENCY OR AN EVENT OF DEFAULT TO
INITIATE DEVICE FUNCTIONALITY RESTRICTION AND CONTINUE IT FOR SUCH TIME TILL THE
DELINQUENCY OR DEFAULT IS NOT RECTIFIED. THE BORROWER ALSO UNDERSTANDS ON
RECTIFICATION OF THE DELINQUENCY OR DEFAULT IT WILL TAKE A MINIMUM OF 48 HOURS ON
BUSINESS DAYS TO DEACTIVATE DEVICE FUNCTIONALITY RESTRICTION AND THE BORROWER
CONFIRMS THAT IT SHALL HAVE NO CLAIMS PERTAINING TO REASONABLE TIME TAKEN FOR
DEACTIVATING THE DEVICE FUNCTIONALITY RESTRICTION.
6 EVENTS OF DEFAULT
a. The following acts/ events, shall each constitute an "Event of Default" by the Borrower for the
purposes of the Facility:
i. The Borrower fails to make payment of any Borrower's Dues on Due Date, i.e. Delinquency;
ii. Breach of any terms, covenants, representation, warranty, declaration or confirmation
under the Financing Documents;
iii. Any fraud or misrepresentation or concealment of material information by Borrower which
could have affected decision of CHOLA to grant the Facility;
iv. Death, lunacy or any other permanent disability of the Borrower;
v. Occurrence of any events, conditions or circumstances (including any change in law) which
in the sole and absolute opinion of CHOLA could have a Material Adverse Effect, including
limitation of any proceedings or action for bankruptcy/liquidation/ insolvency of the
Borrower or attachment / restraint of any of its assets.
b. The decision of CHOLA as to whether or not an Event of Default has occurred shall be binding upon
the Borrower.

6
7 CONSEQUENCES OF DEFAULT
a. Upon occurrence of any of the Events of Default and at any time thereafter,
i. CHOLA may at its sole discretion exercise any other right or remedy which may be available
to CHOLA under any applicable law, including seeking any injunctive relief or attachment
against the Borrower or their assets;
ii. CHOLA SHALL HAVE THE RIGHT TO INITIATE DEVICE FUNCTIONALITY RESTRICTION FOR
SUCH PERIOD AS IT MAYDEEM FIT TILL THE RECTIFICATION OF THE DELINQUENCY /
DEFAULT;
iii. The Borrower shall also be liable for payment of all legal and other costs and expenses
resulting from the foregoing defaults or the exercise of CHOLA remedies.
8 DISCLOSURES
8.1 The Borrower acknowledges and authorizes CHOLA to disclose all information and data relating to
Borrower, the Facility, default if any, committed by Borrower to such third parties/ agencies as
CHOLA may deem appropriate and necessary to disclose and/ or as authorized by RBI, including
TransUnion CIBIL Limited ("CIBIL"). The Borrower also acknowledges and authorizes such
information to be used, processed by CHOLA / third parties/ CIBIL / RBI as they may deem fit and
in accordance with applicable laws. Further in Event of Default, CHOLA and such agencies shall have
an unqualified right to disclose or publish the name of the Borrower /or its directors/ partners/co-
applicants, as applicable, as 'defaulters' in such manner and through such medium as CHOLA /
CIBIL/ RBI/ other authorized agency in their absolute discretion may think fit, including in
newspapers, magazines and social media.
8.2 The Borrower shall not hold CHOLA responsible for sharing and/ or disclosing the information now
or in future and also for any consequences suffered by the Borrower and/ or other by reason thereof.
The provisions of this clause 8 shall survive termination of the GC and the repayment of the
Borrower's Dues.
8.3 The Borrower further agrees and gives consent for disclosure by CHOLA all or any of the
information (including personal data) of the Borrower to any third party as CHOLA may deem fit.
However, the Borrower may by a notice in writing restrict such disclosures, or revoke the consent
hereby granted with respect to the sharing of personal data with third parties. If such denial/
revocation of consent by Borrower affects the CHOLA’s contractual/legal right or interest, CHOLA
may at its sole discretion terminate this GC and forthwith demand the payment of outstanding
Facility and any other amounts payable under this GC in full. On repayment of entire Facility
amount together with the applicable interest, charges and costs, if any to the satisfaction of CHOLA,
the Borrower may advise CHOLA to delete/forget the personal data from the digital lending
application and on the said request, CHOLA may delete the personal data shared by Borrower from
the digital lending application and on the said request, CHOLA may delete the personal data shared
by Borrower from the digital lending application except the data required for regulatory and legal
compliance.
9 MISCELLANEOUS
9.1 The entries made in records of CHOLA shall be conclusive evidence of existence and of the amount
Borrower's Dues and any statement of dues furnished by CHOLA shall be accepted by and be binding
on the Borrower.
9.2 Borrower's liability for repayment of the Borrower's Dues shall, in case where more than one
Borrower have jointly applied for any Facility, be joint and several.
9.3 Borrower shall execute all documents and amendments and shall co-operate with CHOLA as
required by CHOLA (i) to comply with applicable laws, including any RBI guidelines / directives or
(ii) for giving CHOLA full benefit of rights under the Financing Documents. Without prejudice to the
aforesaid the Borrower hereby irrevocably consents that on its failure to do so, such changes shall
be deemed to be incorporated in the Financing Documents and shall be binding on the Borrower.
9.4 Notwithstanding any suspension or termination of the Facility, all right and remedies of CHOLA as
per Financing Documents shall continue to survive until the receipt by CHOLA of the Borrower's
Dues in full.
9.5 The Borrower acknowledges that the rate of interest, penal charges, service charges and other
charges payable and or agreed to be paid by the Borrower under Financing Documents are
reasonable and acceptable to him/ her.
7
9.6 THE BORROWER EXPRESSLY ACKNOWLEDGES AND CONFIRMS THAT IT SHALL NOT HAVE ANY
CLAIMS AGAINST CHOLA / SAMSUNG REGARDING ANY INCONVENIENCE/DAMAGE CAUSED TO
THE BORROWER OR ANY PERSON DUE TO EXERCISE OF CHOLA'S RIGHTS UNDER THIS GC
INCLUDING DEVICE FUNCTIONALITY RESTRICTION.
9.7 THE BORROWER UNDERSTANDS THAT DEVICE FUNCTIONALITY RESTRICTION MAY BE
ACTIVATED INADVERENTLY DUE TO VARIOUS REASONS OTHER THAN AS DETAILED IN THIS GC
INCLUDING ANY TECHNICAL GLITCH AND SAMSUNG SHALL MAKE EFFORTS TO DEACTIVATE THE
DEVICE FUNCTIONALITY RESTRICTION WITHIN 48 HOURS OF RECEIPT OF SUCH INFORMATION
AND THE BORROWER EXPRESSLY ACKNOWLEDGES AND CONFIRMS THAT IT SHALL NOT HAVE
ANY CLAIMS AGAINST CHOLA REGARDING ANY SUCH INCONVINIENCE/DAMAGE CAUSED TO THE
BORROWER.
9.8 The Borrower expressly recognizes and accepts that CHOLA shall without prejudice to its rights to
perform such activities itself or through its office employees be entitled and has full power and
authority so to appoint one or more third parties (hereinafter referred to as "Service Providers") as
CHOLA may select and to delegate to such party all or any of its functions, rights and power under
Financing Documents relating to the sourcing, identity and verification of information pertaining to
the Borrower, administration, monitoring of the Facility and to perform and execute all lawful acts,
deeds, matters and things connected therewith and incidental thereto including sending notices
contacting Borrower, receiving Cash/ Cheques/Drafts/ Mandates from the Borrower in favour of
CHOLA.
9.9 The Borrower acknowledges that the financing transaction hereunder gives rise to a relationship of
debtor and creditor as between him / her and CHOLA and not in respect of any service rendered/ to
be rendered by CHOLA. Accordingly, the provisions of the Consumer Protection Law shall not apply
to the transaction hereunder.
9.10 The Borrower hereby authorizes CHOLA to verify all information and documents including, income
proof documents, residence documents, address proof documents, identity documents and other
such documents containing personal and financial information as are submitted by them for
obtaining any Facility and that they also consent to subsequent retention of the same by CHOLA.
9.11 The Borrower acknowledges and authorizes CHOLA to procure Borrower's PAN No./copy of Pan
Card, other identity proof and Bank Account details, from time to time and to also generate / obtain
bureau pull including CIBIL, Experian, Hunter reports and such other reports as and when CHOLA
may deem fit.
9.12 In the event of any disagreement or dispute between CHOLA and the Borrower regarding the
materiality of any matter including of any event occurrence, circumstance, change, fact information,
document, authorization, proceeding, act, omission, claims, breach, default or otherwise, the opinion
of CHOLA as to the materiality of any of the foregoing shall be final and binding on the Borrower.
9.13 CHOLA shall have full power and authority to appoint one or more third parties of CHOLA’s choice
to verify any fact or information furnished by the Borrower and/or to transfer or delegate to such
third parties the right and authority to take all acts/steps as are necessary for CHOLA to take in
order to recover /receive amounts due to CHOLA or collect on behalf of CHOLA all unpaid
amounts under the Facility, attend the office or residence of the Borrower, receive the amounts
due, and generally perform all lawful acts as the third party may consider appropriate for such
purposes.
9.14 GRIEVANCE REDRESSAL MECHANISM: Chola has laid out a detailed grievance redressal
mechanism in line with the extant guidelines of RBI. The grievance redressal mechanism and contact
details are available at https://cholamandalam.com/grievance-redressal.aspx. The Borrower may
get his/her grievance/s redressed under the said grievance redressal mechanism.

8
10 SEVERABILITY
The Borrower acknowledges that each of his/her obligations under these Financing Documents is
independent and severable from the rest.

11 GOVERNING LAW, JURISDICTION AND ARBITRATION

11.1 All Facility and the Financing Documents shall be governed by and construed in accordance with the
laws of India.
11.2 ARBITRATION: (a) All disputes, differences and/or claims, arising out of this Agreement, whether
during its subsistence or thereafter, shall be settled by arbitration in accordance with the provisions of the
Arbitration and Conciliation Act, 1996 (“the Act”) or any statutory amendments thereof, notified prior to
reference of dispute to arbitration, and shall be referred by the initiator of such dispute to arbitration of a
sole arbitrator to be nominated by:

(a) Presolv360, an online dispute redressal platform/institution, presently run by Edgecraft Solutions
Private Limited, currently having its office at 3rd Floor, Churchgate House, 32, Veer Nariman Roan,
Fort, Mumbai- 400 023 (and any subsequent changes thereto).
(or)
(b) ADReS Now, an online dispute redressal platform/institution, presently run by ADR e-Sarvantra
Private Limited, currently having its office at 63, Palace Road, Vasanthnagar, Bangalore – 560 052
(and any subsequent changes thereto).
(or)
(c) Council for Indian and International Arbitration, a Trust registered under the Arbitration and
Conciliation Act, and having its registered address at No. 6, M.T.H. Road, DABC Complex 3rd Floor,
Villivakkam, Chennai – 600 049

(hereinafter referred to as “Arbitration Institution”). The nomination of the sole arbitrator by Arbitration
Institution shall be considered as a joint nomination by mutual consent of all the parties to the Agreement.
The award given by such arbitrator shall be final and binding on all parties to this Agreement.

(b) The Arbitration Institution shall appoint a substitute arbitrator in place of the appointed arbitrator in
the following events:
(i) death of the appointed arbitrator; or
(ii) where the appointed arbitrator is unable or unwilling to act as arbitrator for any reason
whatsoever.

(c) The seat of arbitration proceedings shall be Bhubaneshwar (Odisha), India. The Courts at
Bhubaneshwar (Odisha), India shall have the exclusive jurisdiction to try & entertain all disputes and
differences and/or claims, arising out of or under this Agreement. The language of arbitral proceedings
shall be English.

(d) Administrative assistance to the sole arbitrator to facilitate the conduct of the arbitral proceedings, if
required, may be provided by the Arbitration Institution.

(e) The parties hereby consent to have the arbitral proceeding conducted by a submission of written
pleadings/submissions, documents in physical and/or any other electronic/virtual mode (through
exchange of post, e-mail and/or any other mode of electronic communication including video conference
(VC), online, virtual hearing etc., using an external application or platform, if necessary) or a combination
thereof as may be determined by the sole arbitrator, whose decision shall be final and binding on the
parties.

(f) The sole arbitrator shall send a copy of the award/interim award/order so passed by him/her and duly

9
certified by him/her through post/courier or a scanned image of such award or electronically/digitally
signed award to the parties through e-mail or any other electronic mode either on his own or through the
Arbitration Institution, as he/she deems fit, which shall be considered as a signed copy for the purposes of
the Act.

(g) The postal/e-mail and/or any other electronic mode of address provided by the Borrower(s)/
Guarantor(s) to the Company under the Agreement or any other document executed/shared by
Borrower(s) / Guarantor(s) with the Company shall be deemed to be an active postal/e-mail and/or any
other electronic mode of address and any service effectuated upon such active postal/e-mail and/or any
other electronic mode of address shall be deemed to be completed. Any change or other discrepancies in
the postal/e-mail and/or any other electronic mode of address provided above, shall be informed to the
Company promptly.
.
11.3 Further, the present clause shall survive the termination of Financing Documents.
12 NOTICES
12.1 Any notice to be given to the Borrower in respect of Financing Documents shall be deemed to have
been validly given if served on the Borrower or sent by registered post, email to or left at the address
of the Borrower existing or last known business or private address. Any such notice sent by
registered post shall be deemed to have been received by the Borrower within 48 hours from the
time of its posting. Any notice to CHOLA shall be deemed to have been valid only if received by
CHOLA at its above stated address.
13 ASSIGNMENT
13.1 The Borrower shall not be entitled to jointly or severally transfer or assign all or any of their right
or obligation or duties under the Financing Documents to any person directly or indirectly or create
any third-party interest in favour of any person without the prior written consent of CHOLA.
13.2 CHOLA shall be entitled to sell, transfer, assign or securities in any manner whatsoever (in whole or
in part and including through grant of participation rights) all or any of its benefits, right, obligation,
duties and / or liabilities under Financing Documents, without the prior written consent of, or
intimation to the Borrower in such manner and such terms as CHOLA may decide. In the event of
such transfer, assignment or securitization, the Borrower shall perform and be liable to perform
their obligation under the Financing Documents to such assignee or transferor. In such event, the
Borrower shall substitute the remaining PDCs/ECS in favour of the transferee/ assignee if called
upon to do so by CHOLA.
14 COMPENSATION
14.1 The Borrower hereby agrees and undertakes to compensate, defend and hold harmless CHOLA, its
employees, representatives and consultants from time to time and at all times against any third party
(including by a person to whom the Borrower has transferred the Product) against any liability,
claim, loss, judgment, damage, cost or expense (including, without limitation, reasonable attorney's
fees and expenses) as a result of or arising out of any failure by the Borrower to observe or perform
any of the terms and conditions and obligations contained in the Financing Documents or Event of
Default or the exercise of any of the rights by CHOLA under the Financing Documents, including for
any enforcement of security or recovery of Borrower's Dues.
15 Acceptance:
15.1 By clicking "I accept"/e-signing, the Borrower electronically signs these GC, the Terms of Service
("TOS") and Privacy Policy ("PP") related to the Mobile Application and Services (annexed to the GC)
and agrees to be legally bound by their terms. The Borrower's acceptance of these GC along with the
TOS and the PP shall constitute: (i) the Borrower's agreement to irrevocably accept and to be
unconditionally bound by all the terms and conditions set out in these GC, TOS and PP; and (ii) the
Borrower's acknowledgement and confirmation that these GC (along with the TOS, PP and the
Financing Documents) have been duly read and fully understood by the Borrower.

10
15.2 I / We am / are aware that CHOLA shall agree to become a party to this GC only after satisfying itself
with regard to all conditions and details filled by me / us in the GC and other Financing Documents
in consonance with CHOLA policy. I / We agree that this GC (along with the TOS and PP) shall be
concluded and become legally binding on drawdown of the Facility

Digitally signed by:

IP Address:
OTP Consent Date & Time:
Mobile Number:
Latitude/Longitude:

11
 ANNEXURE 1
Loan Details Sheet

1. Name of the Borrower (from KYC) Singh Shivanshu

12,BALRAMPUR,PATKHAULI , 276001

2. Address of the Borrower (from KYC)

3 a. Device Model Number Galaxy A55 5G (8GB-256GB)

3 b. Wearable Model Number (For Bundled Loan) Not Applicable

4 a. Device IMEI number 352485226665641

4 b. Wearable Model Sr. Number (For Bundled Loan) Not Applicable

5. Samsung Care+ Plan Name Not Applicable

6a. Device Loan Amount 29590.0

6b. Samsung Care+ Loan Amount Not Applicable

6c. Wearable Loan Amount (For Bundled Loan) Not Applicable

6d. Total Loan Amount 29590.0

7. Rate of Interest 0.00

8. Penal charges Rs.649/-

9. Tenor (in Months) 11 months

10a. EMI Amount per month 2690.0

EMI Amount per month (EMI 12-18 for Galaxy Forever
10b. N/A
Program)
11. First EMI Due Date 05-04-2025

Notes

Charges & Deductions applicable to this loan are as mentioned in the application form and have been explained to me. I/We confirm
the receipt of General Terms & Conditions governing this loan, which have been signed by me/us in acceptance and a copy of which has
been provided to me/us and confirm that the facility granted by CHOLA on above terms will also be governed by aforesaid General
Terms and Conditions and my Loan Application.

The basis for classification of loans as SMA and NPA categories under the RBI guidelines is as follows:

Basis for classification –Principal or interest payment or any other amount

Classification wholly or partly overdue
categories
SMA-0 Upto 30 days
SMA-1 More than 30 days and upto 60 days
SMA-2 More than 60 days and upto 90 days
NPA More than 90 days
15
 Classification as SMA or NPA is done as part of day-end process for the relevant date and the SMA or NPA
classification date shall be the calendar date for which the day end process is run by Chola.

Loan accounts once classified as NPA will be upgraded as standard asset only if the entire outstanding arrears
of principal, interest and/or other amounts are paid by the Borrower in full (The expression “standard asset”
shall mean and refer to a loan account which is not required to be classified as SMA or NPA). The SMA or
NPA classification is done at the Borrower level which means all the loan accounts of the Borrower will be
classified as applicable for the loan with highest overdue days.

Any change in the classification of loan account as SMA or NPA or any other new category as prescribed
by RBI will be implemented automatically by Chola and the same shall be applicable to the Borrower.

Example for SMA/NPA classification: If Due Date of a Loan account is March 31, 2022, and full dues are
not received before Chola runs the day-end process for this date, the date of overdue shall be March 31, 2022.
If the Loan account continues to remain overdue, then the Loan account shall get tagged as SMA-1 upon
running day-end process on April 30, 2022 i.e. upon completion of 30 days of being continuously overdue.
Accordingly, the date of SMA-1 classification for the Loan account shall be April 30, 2022.

Similarly, if the Loan account continues to remain overdue, it shall get tagged as SMA- 2 upon running day-
end process on May 30, 2022 and if it continues to remain overdue further it shall get classified as NPA upon
running day-end process on June 29, 2022.

Please note that the basis for classification as SMA & NPA and Example are provided for the Borrower’s understanding
of the process followed by Chola as on date to classify a loan account as SMA & NPA. The said process is subject to
change upon the instructions/guidelines of the Reserve Bank of India.

12
 You hereby acknowledge and understand that you are downloading Samsung Finance+ Application
on the ‘Samsung’ mobile device (“Device”) in pursuance of a consumer loan (“Loan”) availed from
financing partner as per the terms and conditions agreed between you and the financing partner under a loan
agreement (“Loan Agreement”). You acknowledge and agree that

APPLICATION TERMS OF SERVICE

IMPORTANT - PLEASE READ CAREFULLY BEFORE OPERATING THE SERVICE (DEFINED BELOW). THESE
TERMS OF SERVICE (“TOS”) ARE A LEGAL AND BINDING AGREEMENT BETWEEN YOU AND SAMSUNG
INDIA ELECTRONICS PVT. LTD. (“SAMSUNG”) IN RELATION TO THE SAMSUNG FINANCE+ APPLICATION
AND ANY RELEVANT SOFTWARE OR DOCUMENTATION THEREOF (COLLECTIVELY, THE “SERVICE”)
PROVIDED BY SAMSUNG, ITS AFFILIATES OR ITS THIRD PARTY SUPPLIERS AND/OR LICENSORS. BY
AGREEING TO THESE TOS OR BY INSTALLING OR OTHERWISE USING THE SERVICE, YOU WILL BE
DEEMED TO HAVE READ AND UNDERSTOOD THESE TOS, AND AGREE TO BE BOUND BY THESE TOS. IF
YOU DO NOT AGREE TO THE TOS, THEN DO NOT INSTALL OR USE THE SERVICE. IF THESE TOS CHANGE
AND YOU CONTINUE TO USE THE SERVICE OR FAIL TO UNINSTALL THE SERVICE FOLLOWING ANY SUCH
CHANGE, THEN IT WOULD BE DEEMED THAT YOU AGREE TO BE BOUND BY THE AMENDED TOS.
BY INSTALLING THE SERVICE, YOU ACCEPT THE TERMS AND CONDITIONS OF THESE TOS AND WARRANT
TO SAMSUNG THAT YOU ARE COMPETENT TO CONTRACT UNDER THE APPLICABLE LAWS AND HAVE
THE RIGHT, AUTHORITY AND CAPACITY TO USE THE SERVICE AND AGREE TO AND ABIDE BY THESE TOS.
To access the Service, you are required to download and install the Service on your Device. By installing the
Service, you acknowledge and consent to receive, at any time, customer alerts, reminders, or any other
communications from Samsung, its affiliates or the financing partner regarding repayment of dues as per
the loan agreement, or in relation to offers for other products/ services offered by Samsung.
The Service, would allow you to view your account information (including your account ID/ payment bank
account, amounts due at next payment and due dates) and payment details, access to online payment
portals of financing partners to make required Loan repayments in accordance with the loan agreement,
and customer support in relation to the same.

The Service, would ‘lock’ the Device in the event you fail to make payments as required under the Loan
Agreement with financing partners. In the event of the ‘locking’ of the Device, you shall be allowed to use
the Device only to access/ use mandatory services (as mandated under applicable laws), i.e., to make calls
to designated emergency numbers, receive incoming calls, access your contacts and stored messages on
such Device, and you may not disable the functioning of the satellite based GPS system feature
1. Grant of License
Subject to the terms and conditions of these TOS, you are granted a limited, non-exclusive, and revocable
license to install, access and use the Service. The services and features provided by the Service or Update
(defined below) thereto may vary or be limited depending on certain factors, including, without limitation,
device, operating system, or network operator. Unless you are an age of majority as per the applicable laws,
you are not permitted to enter into these TOS or use the Service. Services are available to you only in India
as of now. You agree not to use or attempt to use Services from outside this location. Samsung may use
technologies to verify your compliance. However, Samsung will regularly update you regarding the change
in permissible geography.

2. Reservation of Rights and Ownership

This Service includes software and data provided by third parties. You acknowledge that the Service is
proprietary to Samsung and its licensors, and protected under applicable copyright and other intellectual
property laws and treaties. These TOS and your use of the Service do not grant you any ownership interest
in or to the Service, and you are granted only a limited license to use which is revocable in accordance with
the terms of these TOS. You may not use the Service to reproduce copyrighted materials, or materials you
do not have the right or legal approval for reproduction.

13
Except for private and non-commercial use, none of the contents may be copied, reproduced, distributed,
republished, downloaded, displayed, posted electronically or mechanically, transmitted, recorded, in any
manner, photocopied or reproduced without prior written consent of Samsung or the financing partner.
Any other use of the Service, including any commercial use, modification, display, distribution or
republication without prior written consent of Samsung is strictly prohibited.

3. Restrictions
Except to the extent that mandatory Indian law requires that you be able to do so, you may not (i) reverse
engineer, decompile, disassemble, or otherwise attempt to discover the source code or algorithms of the
Service; (ii) modify or disable any features of the Service, including the feature that allows for the ‘locking’
of the Device; (iii) create derivative works based on the Service; (iv) rent, lease, lend, sublicense or provide
commercial hosting services with the Service; (v) infringe our intellectual property rights or those of any
third party in relation to your use of the Service (to the extent that such use is not licensed by these TOS);
(vi) use the Service in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with
these TOS, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code,
including viruses, or harmful data, into the Service or any operating system; (vii) use the Service in a way
that could damage, disable, overburden, impair or compromise our systems or security or interfere with
other users; and (viii) collect or harvest any information or data from the Service or our systems or attempt
to decipher any transmissions to or from the servers running the Service.

4. Update, Change or Suspension of the SERVICE

Samsung may, at any time, provide or make available updates or upgrades to the Service (“Updates”),
including without limitation bug fixes, service enhancements, new features, deletion of existing functions,
or modification of the Service. Updates will be governed by these TOS unless separate terms and conditions
are provided with such Updates, in which case that separate terms and conditions shall govern the Updates.
Updates for security software or critical bug fixes or other important Updates may be automatically
downloaded and installed given the importance of receiving such Updates in a timely manner to help
protect you and other users.

Notwithstanding anything else contained in this TOS, Samsung expressly reserves the right to change,
suspend, remove, limit the use of or disable the access to the Service or any portion thereof at any time
without notice or liability. You hereby understand that these TOS may be amended from time to time
pursuant to any Updates, and agree to be bound by the amended TOS, as the case may be.

5. Third Party Services and Content

Third party services and/or content may also be available to you through the Service. To the extent
permitted by law, Samsung disclaims any warranty, condition or representation in respect of any third
party services or content in any aspects including, but not limited to, quality, accuracy, effectiveness, lack
of viruses, non-infringement of third party rights and compliance of any applicable laws or regulations. The
use of third party services and contents may be governed by such third party provider’s terms of use,
license agreement, privacy policy, or other such agreement, including but not limited to the loan agreement
with the financing partner. Certain portions of the Service may be subject to open source licenses, in which
the terms of such open source licenses may precede the terms and conditions of these TOS with respect to
that portion of the Service.

6. Consent for Collection and Use of Data

You acknowledge and agree that Samsung and/or parties that are entrusted by Samsung may collect and
use information necessary to provide the Service and Updates, improve or enhance the Service. We may
also share some information with our financing partners which is necessary to fulfill the financing partners
obligations under the loan agreement.

At all times your information will be treated in accordance with applicable law and Samsung’s Privacy
Policy, which can be viewed at: http: // account. samsung. com/membership/pp.

14
7. Data Access
Some features of the Service may require your Device to have access to the internet and may be subject to
restrictions imposed by your network or internet provider. The Service may require access through your
mobile network, which may result in additional charges depending on your

payment plan. In addition, your enjoyment of some features of the Service may be affected by the suitability
and performance of your Device or data access.

8. Compliance with Law

You acknowledge and agree to comply with any and all applicable laws and regulations in using the Service.

9. Retrieval of data
In the event of ‘locking’ of the Device, you may approach Samsung customer care for the purposes of
retrieving any data or information from the ‘locked’ Device. Samsung may, in its sole discretion, make such
arrangements it deems appropriate for the purposes of providing you with the required data or information
from the ‘locked’ Device, and in doing so, may require for you to provide certain information/ documents
including for the purposes of identification, ascertaining ownership of the Device, ownership of data/
information contained in the Device etc., or for making arrangements for the transfer of such data/
information to you. You acknowledge and agree that you shall be responsible for any costs and expenses
incurred by Samsung in the process of providing you with the data and information from the‘locked’ Device.

10. Termination
These TOS are effective until terminated. The TOS can be terminated by Samsung at any time with notice
to you (e.g., service website, pop-up through application, email or etc.). The TOS cannot be terminated by
you till such that as any loan payments are outstanding under the loan agreement. Once the loan has been
repaid, you can terminate these TOS by ceasing your use of the Service, and uninstalling, deleting and
returning all related software, documentations and other materials provided by Samsung, including backup
copies thereof. Should you not comply with these TOS, your rights based on these TOS will be automatically
terminated without notice from Samsung. Upon either your or Samsung’s termination of these TOS, you
acknowledge that your rights as provided under these TOS shall stand terminated with immediate effect
and you must immediately cease all use of the SERVICE.

11. Disclaimer of Warranty

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED “AS IS” AND
ON AN “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND FROM SAMSUNG,
EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SAMSUNG
DISCLAIMS ALL WARRANTIES OR OTHER TERMS EXPRESSED, IMPLIED, OR STATUTORY, INCLUDING,
BUT NOT LIMITED TO, IMPLIED WARRANTIES OR TERMS OF MERCHANTABILITY, SATISFACTORY
QUALITY, FITNESS FOR A PARTICULAR PURPOSE, RELIABILITY OR AVAILABILITY, ACCURACY, LACK OF
VIRUSES, QUIET ENJOYMENT, NON INFRINGEMENT OF THIRD PARTY RIGHTS OR OTHER VIOLATION OF
RIGHTS, ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM COURSE OF DEALING OR USAGE OR
TRADE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM
SAMSUNG

12. Limitation of Liability

12.1 Samsung and you do not limit or exclude liability for any types of loss or damage for which liability
cannot, under applicable law, be excluded or limited, to the extent that the applicable law prevents
such exclusion or limitation, or to the extent that a court of competent jurisdiction judges that
such an exclusion or limitation would be ineffective under applicable law.

15
 12.2 Subject only to 12.1, Samsung shall not be liable for loss, damage or liability under contract
(including negligence), laws on third party obligations (including ‘tort’ and negligence claims) or
statutory obligations or any other legal basis whatsoever, even if Samsung was specifically put on
notice of the risk of such loss (i) where the loss is indirect, incidental, special, consequential, or
comprises exemplary or punitive damages,

or (ii) for any loss of profit, loss of business, loss of opportunity, loss of data, (iii) where the loss relates
to errors, omissions or interruptions, computer viruses, connection or connectivity problems or
for network charges, or (iv) for your use of, or the inability to use, the Service, or the content,
materials and functions related thereto, or any part thereof.

12.4 Subject only to 12.1 and 12.2, Samsung’s total financial liability to You arising from or in
connection with these TOS, the SERVICE or related matters shall not exceed the amount you paid
Samsung or Samsung’s affiliate specifically for this SERVICE.

12.5 You acknowledge that inclusion of any third party link on the Service does not imply that Samsung
endorses the content published on that link and Samsung would not be held liable, whether
directly or indirectly, in any manner in relation thereto. You also acknowledge that Samsung
assumes no responsibility, and shall not be liable for, any damages to, or viruses that may affect
the Device on account of your access to, use of, or browsing such third party links or downloading
of any material, data, text, images, video content, or audio content from such third party links.

12.7 You acknowledge that the above provisions of clauses 11 and 12 are reasonable given the benefits
of the Services and you will accept such risk and/or insure accordingly.

11.5 IT IS ESSENTIAL THAT YOU BACK UP YOUR DATA ON YOUR DEVICE BEFORE USING THE SERVICES
TO AVOID LOSING ANY DATA.

13. Indemnification
You hereby agree to defend, indemnify and hold harmless Samsung, as well as its independent contractors,
service providers, consultants, licensors, agents, and representatives, and each of their respective directors,
officers and employees, from and against any and all claims, losses, liability, damages, and/or costs
(including, but not limited to, reasonable attorney fees and costs) arising from or related to (a) your access
to or use of Service; (b) your violation of these TOS or any applicable law(s); (c) your violation of any rights
of another person/ entity, including infringement of their intellectual property rights; or (d) your conduct
in connection with the Service.

14. Applicable Law

These TOS and any contractual obligation between Samsung and you will be governed by the laws of India.
These TOS shall not be governed by the UN Convention on Contracts for the International Sale of Goods,
the application of which is expressly excluded.

15. Dispute Resolution

Any legal action or proceeding related to your access to, or use of, the SERVICE or these TOS shall be subject
to the exclusive jurisdiction of the courts at New Delhi

16. Entire Agreement

These TOS are the entire agreement between you and Samsung relating to the SERVICE and supersede all
prior or contemporaneous oral or written communications, proposals and representations with respect to
the SERVICE or any other subject matter covered by these TOS. If any provision of these TOS is held to be
void, invalid, unenforceable or illegal, the other provisions shall continue in full force and effect.

17. Survival
Even after termination, obligations mentioned under Clause 10 (Termination), Clause 11 (Disclaimer of
Warranty), Clause 12 (Limitation of Liability), Clause 13 (Indemnification), Clause 14 (Applicable Law),

16
Clause 15 (Dispute Resolution), Clause 17 (Survival) and Clause 18 (Communication) will continue and
survive termination.

18. Communications
When you use the Service or send email(s) to Samsung, you are communicating electronically. You consent
to be contacted by and receive communications electronically including by way of email or SMS, or through
any other medium, at any time from Samsung. You agree that all agreements, notices, disclosures and other
communications that Samsung provides to you electronically satisfy all legal requirements. In connection
with your use of the SERVICE, Samsung may send you Service announcements, administrative messages,
and other information.

19. Headings
The headings herein are included for convenience and identification only and are not intended to describe,
interpret, define or limit the scope, extent or intent of these TOS.

[Insert date of publication/ execution]

17
 ANNEXURE 2 - PRIVACY POLICY

Samsung Finance+ Privacy Notice

Effective Date: February 21, 2018

Samsung Finance+ is a device locking application that would 'lock' the Device in the event you fail to make
payments as required under the Loan agreement with Financing Partners. Samsung Finance+ would allow
you to view your account information (including your account ID/ payment bank account, amounts due at
next payment and due dates) and payment details, access to online payment portals of Financing Partners
to make required Loan repayments in accordance with the Loan Agreement, and customer support in
relation to the same.

This Privacy Notice is supplemental to Samsung's Privacy Policy and provides, specific information about
how your personal data is used in connection with the Samsung Finance+ . This should be read in
conjunction with the Samsung's Privacy Policy and can be found at
https://www.samsung.com/in/info/privacy/ .

In this Privacy Notice, we describe the types of information collected through the Samsung Finance+ , how
we may use the information, how long we may keep the information, with whom we may share it and the
choices available to you regarding our use of the information and exercising your rights. We also describe
the measures we take to safeguard the information and tell you how to contact us about our privacy
practices.

Information We Obtain

Through the Samsung Finance+ , we may obtain information about you in various ways. The types of
personal information we obtain include:

• Account Information. When you log in, we may collect information associated with your Account such
as your name, email address, mobile number, and repayment details. Samsung does not store or retain
details of your credit/ debit card, bank account details or any other payment instrument used by you
to make repayment of the due loan amount.
• Samsung Finance+ Interactions. We may collect information you exchange through your interactions
with the Samsung Finance+ such as transaction data. We also may obtain other information related to
your use of the Samsung Finance+ , including the information (such as information related to the apps
you use, the websites you visit and pictures, calendar entries, bookmarks, and content and data from
other Samsung and third-party apps, websites and services) we receive from Samsung and third-party
apps and services that are accessed or used by the Samsung Finance+ to provide you with the services
(such as payment details).
• Geolocation Data. We may receive your device's geolocation and other information related to your
location through GPS_.
• Device and App Information. We may collect information through automated means about your
Samsung Finance+ , such as device models, OS versions, device configurations and settings, IP
addresses, and device identifiers and other unique identifiers. In addition, we may obtain information
about how, when and for how long you use your Samsung Finance+ -enabled devices, including your
usage of the Samsung Finance+ .
How We Use the Information We Obtain

We may use the information we obtain through the Samsung Finance+ to:

• provide you with the services, such as to respond to your requests, questions and instructions made
through Samsung Finance+ ;
• identify and authenticate you so you may use Samsung Finance+ ;
• improve and customize your experience with the Samsung Finance+ , such as delivering content and
responses tailored to our users and the manner in which they interact with the Samsung Finance+ ;

18
• with your separate consent, communicate with you about our products and services, and provide you
with notifications, content, alerts, offers, promotions, marketing information, communications and
advertisements;
• respond to your requests and inquiries;
• operate, evaluate and improve our business (including developing new products; enhancing and
improving our products and the services; managing our communications; analyzing our products,
customer base and the services; conducting market research; performing data analytics; and
performing accounting, auditing and other internal functions);
• allow you to interact with and use certain third-party apps and services;
• protect against, identify and prevent fraud and other criminal activity, claims and other liabilities; and
• comply with and enforce applicable legal requirements, relevant industry standards and our policies,
including this Privacy Notice.
Through Samsung Finance+ , we may collect personal information about your online activities on the
Samsung Finance+ -enabled devices over time and across third-party apps, websites and other online
services. We may use third-party analytics services on Samsung Finance+s. The providers that administer
these analytics services help us analyze your use of the Samsung Finance+ and improve Samsung Finance+

Information Sharing

We do not disclose personal information about you through the Samsung Finance+ , except as described in
this Privacy Notice. We may share your personal information with our subsidiaries and affiliates and with
service providers who perform services for us including the financing partners.

When you use the Samsung Finance+ to access or interact with third-party apps and services, we may send
certain personal information to the providers of such third-party apps and services to provide you with the
services you request. Examples of this information may include the loan repayment details, geolocation and
other location data, and other data that helps facilitate the services you request. These third parties also
may collect certain personal information directly from your devices through the Samsung Finance+ .
Samsung is not responsible for these third-party providers' privacy or security practices. The privacy and
security practices of the relevant providers, including details on the information they receive from us or
collect about you, are subject to the privacy statements of these parties, which we strongly suggest you
review.

Samsung, our subsidiaries and affiliates, and our third-party service providers also may disclose
information about you (1) if we are required to do so by law or legal process (such as a court order or
subpoena); (2) in response to requests by government agencies, such as law enforcement authorities; (3)
to establish, exercise or defend our legal rights; (4) when we believe disclosure is necessary or appropriate
to prevent physical or other harm or financial loss; (5) in connection with an investigation of suspected or
actual illegal activity; (6) in the event we sell or transfer all or a portion of our business or assets (including
in the event of a merger, acquisition, reorganization, dissolution or liquidation); or (7) otherwise with your
consent.

Retention of Personal Data

Personal data will be retained only for so long as reasonably necessary for the purposes set out above,
considering criteria such as applicable rules on statute of limitations and at least the duration of your use
of the Samsung Finance+ .

Your Choices

You may not disable the Samsung Finance+ during the term of Loan provided by our financing partner.
However, once the loan period is over, you can at any time by visiting the settings menu disable the
Samsung Finance+ .

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How We Protect Personal Information

We maintain administrative, technical and physical safeguards designed to protect personal information
we obtain through the Samsung Finance+ against accidental, unlawful or unauthorized destruction,
interference, loss, alteration, access, disclosure or use. Samsung also maintains reasonable procedures to
help ensure that such data is reliable for its intended use and is accurate, complete and current.

Updates to Our Privacy Notice

This Privacy Notice may be updated periodically to reflect changes in our personal information practices
with respect to the Samsung Finance+ , or changes in the applicable law. We will post a notice on our
website and/or your device to notify you of significant changes to our Privacy Notice and indicate at the
top of the notice when it was most recently updated.

How to Contact Us

To ask us questions about this Privacy Notice, please contact us at:

Samsung India Electronics Private Ltd.

20th to 24th Floor, Two Horizon Centre, Golf Course Road, Sector-43, DLF PH-V, Gurugram, Haryana -
122202 Contact Person (Grievance Officer): Ms. Gauri Taneja E-mail: gauri.taneia@samsung.com Phone: +
91-124-488- 1234

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 Annexure 3 – CKYC - Download Consent Form

Dear Sir/Madam

I _________________________________________
Singh Shivanshu S/o / D/o / W/o ________________________________________
VIJAY BAHADUR SINGH , give my consent
to download my KYC Records from the Central KYC Registry (CKYCR), only for the purpose of verification
of my identity and address from the database of CKYCR Registry.

I understand that my KYC Record includes my KYC Records /Personal information such as my name,
address, date of birth, PAN number etc.

Signature

Date: 22-02-2025 18:04:00

Digitally signed by: Singh Shivanshu

IP Address: Refer KFS

OTP Consent Date & Time: 22-02-2025 18:04:00

Mobile Number: 917236966400

Latitude/Longitude: 26.0645757 83.1832633

25
 Annexure 4 – Repayment Schedule

Due Date Installment (in Principal (in Rupees) Interest (in Rupees) Outstanding Principal
Rupees) (in Rupees)

2690 2690 0 29590

05-04-2025

05-05-2025 2690 2690 0 26900

05-06-2025 2690 2690 0 24210

05-07-2025 2690 2690 0 21520

05-08-2025 2690 2690 0 18830

05-09-2025 2690 2690 0 16140

05-10-2025 2690 2690 0 13450

05-11-2025 2690 2690 0 10760

05-12-2025 2690 2690 0 8070

05-01-2026 2690 2690 0 5380

05-02-2026 2690 2690 0 2690

*” Please note that the repayment schedule provided hereinabove is tentative which may change on the basis of actual date and
quantum of Loan disbursement and the revised repayment schedule will be communicated to Borrower in writing and the same shall
be considered as part of this Terms and Conditions”.

Signature Not Verified

Signed by : DS CHOLAMANDALAM INVESTMENT AND
FINANCE COMPANY LIMITED 17
Reason : krishnakumar k
Location : Chennai
Date : 2025-02-23 02:21:39 IST