1. (A) Loan Terms for Personal Loan: (1) Get loans ranging from INR 5,000 to INR 20,00,000 (2) 100% online loan application process - Only few documents to be uploaded on the application (3) Disbursal within 1-7 days and payment due date (4) Minimum APR (Annual Percentage Rate) is 10.99% and the Maximum APR is 30% (5) Minimum Tenure is 6 months and Maximum Tenure is 5 years (6) Processing Fee is 2% - 4% (7) Get a higher loan on successful repayment (8) Loan Payment due date is after 6 months *The annual interest rates and processing fee will vary as per the risk profile of the customers and the selected tenure. Example Loan Amount: ₹20,000 Tenure:180 days (6 months) Interest Charged: ₹ 1,426 (24% per annum) Processing Fee: ₹236 (1% of Loan Amount - ₹200 + GST @18% - ₹36) Amount Disbursed: ₹19,764 EMI Amount: ₹ 3,571 Loan amount is ₹ 20,000. Disbursed amount is ₹ 19,764. Total loan repayment amount is ₹ 21,426. y.

2. (B) Loan Terms for Business Loan: 1. Get Loans ranging from ₹ 1,00,000 to ₹ 10,00,000. 2. 100% online loan application process- only few documents to be uploaded on the application 3. Disbursal within 1-7 days 4. Minimum APR (Annual Percentage Rate) is 11% and the Maximum APR (Annual Percentage Rate) is 25% 5. Tenure ranges from 6 months-60 months 6. Get a higher loan on successful repayment 7. Loan Payment due date is after 6 months Interest Calculation If you avail a loan of ₹ 3,00,000 for a tenure of 12 months at 18% p.a. interest rate, the loan EMI will be ₹ 27504 and the total interest paid would be ₹ 30048

3. (C) Prominent Disclosures: 1 All loans are provided via RBI registered Banks & NBFC with whom we have official agreements 2 We do not provide any pay-day loans or loans with less than 60 day repayment period or having Maximum APR beyond 30% - in accordance with Appstore Polic

4. The DEEESHA LOAN REFERRAL Program (“The Program”) allows DEEESHA Associate to earn promotional “Referral Fee” by referring Associate / Customers to become net new Associate / Customers with DEEESHA. To participate in this Program, Associate/Customers must agree to these terms, which become part of the DEEESHA Terms of Service. The Program is open to all, excluding employees of DEEESHA. A referral can be made for only new Associate / Customers who do not have existing relationships with DEEESHA.

5. If more than one 'Referrer' recommends the same Associate / Customer; the first one to make that referral will be entitled to the Referral Fee. In the event of a dispute, DEEESHA, shall have the sole and final discretion in deciding who the first referrer is.

6. There is no limit on the number of referrals, which a participant to the Program can make during the term of the Program.

7. The referrer authorizes DEEESHA and/or it associates/subsidiaries/affiliates to contact him/her.

8. At the time of making a referral under the Program, the Referrer will need to specifically declare and undertake that due consent has been obtained from the referred Associate / Customer(prospective Associate / Customer), to refer his/her contact details to DEEESHA and that DEEESHA may contact the referred Associate / Customer to offer its range of banking services and products. The Referrer agrees and undertakes that it shall be responsible to DEEESHA, for any losses or claims that may be occasioned upon DEEESHA, in the event that such declaration or undertaking is found to be untrue.

9. All services on loans are at the sole discretion of DEEESHA. DEEESHA, reserves the right to ask for any additional documents from the Associate / Customer. DEEESHA reserves the right, at any time, with notice to add/alter/modify/change or vary any of the Terms and Conditions or to replace, wholly or in part.

10. Applications already under process with DEEESHA, where no referral reference number has been generated upfront are not eligible for any benefits under this Program.No Referral Fee shall be due on such loan referrals.

11. DEEESHA, alone shall determine a participant's qualification for the Referral Fee under the terms of the Program and the decision made by DEEESHA, in this regard shall be final and binding.

12. The Referral Fee payout, as directed, will be given in form of an account payable instrument within 4 months from the date of loan disbursal subject to submission of copy of PAN and other required details by the referrer.

13. The Referral Fee payouts are subject to the Income Tax, Service Tax, and other laws and regulations applicable at the time of calculations and making of the payments.

14. Submission of copy of PAN card to DEEESHA is mandatory and that the Referral Fee payouts are subject to the same. DEEESHA will not be liable to pay and will not process any payments without the required PAN card copy and details.

15. Notwithstanding anything contained herein, DEEESHA reserves the right to vary, withdraw, cancel, or invalidate the Program, at any time at its absolute discretion without prior notice or without having to give a reason thereof, and without compensation whatsoever.

16. Further, DEEESHA reserves the right to reject any claim in the event of irregularity, discrepancy, or dispute, and that its decision shall be final, conclusive and binding.

17. All payments are subject to the completeness and authenticity of information provided in the DEEESHA Loan Referral App.

18. DEEESHA, reserves the right to vary, delete or add to these terms and conditions or withdraw the Program, at any time or from time to time at its discretion and without prior notice.

19. DEEESHA will not be able to contact the referred persons if they are part any Do Not Disturb (DND) registry or Telecom Regulatory Authority’s (TRAI’s ) National Customer Preference Register (NCPR) unless they give consent through SMS or online form authorizing DEEESHA and/or it associates/subsidiaries/affiliates to contact them.

20. The referred loan should be disbursed within 3 months from the date of booking. If the loan is not disbursed within 3 months from the date of booking, the referrer will not be eligible for the payout.

21. DEEESHA does not market any product or service to individuals’ resident outside India

22. This Referral program is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to individuals (referrers or referees) resident outside India.

23. For Under construction loans, Referral Fee will be paid only on the first tranche of loan disbursal. For rest of the loans we will continue to calculate Referral Fee basis the amount of actual disbursals done.

24. In case of any malpractice, DEEESHA reserves the right to block a user for participation in the program or cancel the referral bonus earned

25. DEEESHA reserves the right to modify, update or close the referral program without any intimation to the participant.

26. The Qualifying Loan must be booked via the Links / Agency codes provided by DEEESHA on its App platform, and the referred Associate / Customer must abide by the terms of the loan as will be specified in the agreement signed by the referred Associate / Customer before the loan is availed

27. Referral Fee cannot be transferred to another person or exchanged for other services.

28. Referral Fee may not be earned by creating multiple Accounts. Referral Fee accrued in separate DEEESHA accounts may not be combined into one DEEESHA account

29. If for any reason you believe that there is a discrepancy regarding your balance of Referral Fee, please contact us. DEEESHA may require you to submit additional information in order to make a determination regarding your balance. All decisions regarding your balance will be final and at the sole discretion of DEEESHA.

30. You are responsible for Tax consequences, if any, that may result from your use of Referral Fee

31. The scope, variety, and type of services and products that you may obtain by Referral Fee can change at any time.

32. Referrals should only be used for personal and non-commercial purposes. Referral links should not be published or distributed on commercial websites (such as coupon websites, Reddit, or Wikipedia) or on blogs. Members are prohibited from “spamming” anyone with referral invitations. This includes mass emailing, texting or messaging people you do not know or using automated systems or bots through any channel to distribute your referral link. Members are prohibited from paying to advertise their referral links.

33. DEEESHA reserves the right to any remedy, including cancellation of your account or reservations, if fraud, tampering, violations of these terms or the DEEESHA Terms of Service, or technical errors are suspected. Void where prohibited.

34. A referrer may only use one referral link. If a referrer receives referral links from multiple DEEESHA ASSOCIATES, only the ASSOCIATE with the referral link actually used by the referrer will receive Referral Fee.

35. The Program may not be combined with other DEEESHA referral programs or incentives. If a referrer receives referral links from multiple DEEESHA referral programs, preference will be given to payment via the Host Referral Program, voiding eligibility from The Program.

36. If any provision in these terms are held to be invalid, void, or unenforceable, such provision (or the part of it that is making it invalid, void or unenforceable) will be struck and not affect the validity of and enforceability of the remaining provisions.

37. DEEESHA may suspend or terminate the Program or a user’s ability to participate in it at any time for any reason.

38. We reserve the right to suspend accounts or remove Referral Fee if we notice any activity that we believe is abusive, fraudulent, or in violation of the DEEESHA Terms of Service. We reserve the right to review and investigate all referral activities and to suspend accounts or modify referrals in our sole discretion as deemed fair and appropriate.

39. We can update these terms at any time without prior notice. If we modify these terms, we will post the modification on the DEEESHA app, applications, or services, which are effective upon posting. Continued participation in the Program after any modification shall constitute consent to such modification.

40. The Associate / Customer hereby further agrees that it shall:
a. render the Services using such methods and tools that are industrially acceptable for the rendering of similar services;
b. perform its obligations hereunder in a timely and professional manner, consistent with the highest industry standards;
c. ensure that the Associate enter into suitable non-disclosure and confidentiality agreements and perform all duties with high standards of professional skill and care, in accordance with the terms hereof and generally accepted industry practices;
d. publish only such content for marketing purposes that has been pre-approved in writing by the DEEESHA. In the event that DEEESHA provides any inputs or suggests changes, you hereby agree that you shall forthwith ensure that such changes are incorporated prior to publication of the said content;
e. not publish any content that contains false, defamatory or misleading statements about DEEESHA, its officers, employees, partners or representatives;
f. from time to time, share status reports with us in such form as may be stipulated to you by the DEEESHA; and
g. use the name, trademarks or proprietary indicia solely as per the directions of the DEEESHA for the limited purpose of providing the Services.

41. The Associate hereby further represents and warrants that:
a. Associate has the requisite resources, experience, manpower and expertise to render the Services in compliance with the highest industry standards;
b. neither the content nor the Services will infringe any intellectual property or other right of any third party or any applicable laws ;
c. all Services are being rendered and content is being developed in compliance with applicable laws.

42. The Associate hereby acknowledges that DEEESHA will be the sole, absolute, exclusive, worldwide and perpetual owners of any intellectual property created or generated as a part of the Services provided hereunder (including without limitation, the content)

43. Associate hereby further agree and undertake that any Content provided for rendering/availing of the Services, will not: (a) infringe any rights of any third party including, without limitation, intellectual property rights and data privacy rights; (b) violate any applicable law or regulation; and (c) contain anything which is defamatory, obscene, false or misleading

44. You shall treat any information, whether written, oral or visual, disclosed to you hereunder and which is expressly demarcated as being confidential (“Confidential Information”), as confidential and shall not disclose directly to any person(s), firm or company, business entity, or other organisation whatsoever, any Confidential Information that you may have acquired in the course of this Agreement or otherwise. Personal Information, even if received orally shall be treated as Confidential Information.

45. You hereby acknowledge and agrees to comply with applicable data protection regulations, including but not limited to Information Technology Act, 2000 and the rules made thereunder with respect to Personal Information in its collection, use, storage and transfer.

46. The obligations of confidentiality under this terms and conditions shall continue till you continue to remain associated with DEEESHA.

47. The lenders (Banks / NBFCs / FINTECH companies) do charge processing and other fees and those are to be paid directly by the customer to the said lenders. You are bound by our terms and conditions and cannot charge any type of fees, whatsoever, from the customer, whether upfront or post the loan disbursal. If you are found to have charged any type of fee from the customer, whether in cash or by way of any transfers to your or your friends or your relatives personal bank accounts, then you are guilty of violating the terms and conditions agreed by you with us and you agree to pay for all damages including legal or otherwise, incurred by DEEESHA as well as the potential / actual customer.

48. You hereby agree to indemnify, keep indemnified and hold DEEESHA harmless, from and against any and all claims, suits or proceedings, losses, damages, liabilities and costs (including, without limitation, reasonable attorney’s fees), arising out of or relating to:

48. You hereby agree to indemnify, keep indemnified and hold DEEESHA harmless, from and against any and all claims, suits or proceedings, losses, damages, liabilities and costs (including, without limitation, reasonable attorney’s fees), arising out of or relating to:
a. a breach or non-performance by you, of any of your representations, warranties, covenants and/or assurances contained herein;
b. a breach or non-performance by you, of any law, rule, regulation, notification or other statutory or legal provisions or requirements; or
c. any fraud, willful misconduct or negligent acts by you or your officers, directors, employees, subcontractors or agents.

49. DEEESHA may terminate the Agreement with you, orally or verbally, at any time at its sole discretion without any notice. In the event that the Agreement is terminated with you for whatsoever reason, you shall return or destroy, all Confidential Information and material in relation to us. In the event you retain any copy of Confidential Information in order to comply with applicable laws, the obligations of confidentiality with respect to such information shall survive for so long as you retains such information in your possession.

50. THIRD PARTIES: You hereby agree that you shall not engage any third parties to perform the Services without our prior written consent. If such consent is provided by us, you shall continue to be responsible for the Services delegated to such third parties and for any breach by such third party in connection therewith.

51. RELATIONSHIP: We are both independent contractors, and you will not be considered our partner, agent or employee. You explicitly warrant that neither you nor your employees, personnel or contractors will be considered to be our employees, personnel or contractors.

52. FORCE MAJEURE: We shall not be liable for failure or delay in the performance of any of our respective obligations under this agreement for the time and to the extent such failure or delay is caused by force majeure or reasons beyond the reasonable control of us.

53. SURVIVAL: All clauses which by their nature can survive termination, shall survive.

54. These Terms and Conditions shall be governed by the Indian Law. Any disputes or differences whatsoever between us which cannot be settled by mutual discussions shall be settled by arbitration at Mumbai under and in accordance with the provisions of the Indian Arbitration and Conciliation Act, 1996 by a sole arbitrator mutually appointed by us. In any case, all disputes relating to the Program and its terms and conditions shall be subject to the exclusive jurisdiction of courts located at Mumbai.

PLEASE NOTE: Do not promise false loan approvals to Associate / Customer (eg: An Associate will not get a Referral fee for only signing up or creating an account with us Deeesha Loan Approval app). Any false promises where Associate is misguiding the customer or otherwise will result in a cancellation of Referral fee benefits to both the referrer & referee.