Borrower Loan Agreement

EASIBUCKS BORROWER LOAN AGREEMENT

Visibitty Pty Limited (trading as EasiBucks) — FSRA Licensed

Section A: Loan Details

This agreement is entered into between Visibitty Pty Limited (trading as "EasiBucks", "Lender") and the borrower named above ("Borrower").

• Principal Amount: As stated in the loan application, subject to approval
• Interest Rate: 15% flat on the principal amount
• Administration Fee: 2.5% of the principal amount
• Total Cost of Credit: Principal + Interest (15%) + Admin Fee (2.5%)
• Tenor: 30 days from disbursement, aligned with the Borrower's next payday
• Disbursement: Direct to Borrower's registered bank account within 24 hours of approval
• Repayment: Via employer payroll deduction on the agreed due date

Section B: Terms & Conditions

1. Purpose. The loan is for personal consumption only. The Borrower may not use the loan for gambling, illegal activities, speculative investments, or business purposes.

2. Repayment. The Borrower agrees to repay the full amount (principal + interest + fees) on the due date. Repayment is effected through payroll deduction authorised by the Borrower and the employer.

3. Late Payment. If repayment is not received by the due date, a penalty of 1% of the outstanding balance will be charged for every 3 days of delay. Penalties are capped at 10% per calendar month.

4. Early Repayment. The Borrower may repay early at any time without penalty. Early repayment does not reduce the flat interest or admin fee.

5. EasiSave. 5% of each repayment is automatically credited to the Borrower's EasiSave savings account. These savings may be withdrawn after 3 months of consistent contributions or in emergencies.

6. Data Sharing. The Borrower consents to EasiBucks sharing their employment and salary data with the employer for verification and payroll deduction purposes, and with the FSRA for regulatory compliance.

7. Default. If the Borrower fails to repay and the employer is unable to deduct, EasiBucks may: (a) charge the applicable late penalties; (b) suspend the Borrower's account; (c) refer the debt to a licensed collection agency; (d) report the default to the FSRA as required.

8. Governing Law. This agreement is governed by the laws of the Kingdom of Eswatini and the Consumer Credit Act 2016. Disputes shall be submitted to mediation in Mbabane, and if unresolved, to arbitration under the Arbitration Act of Eswatini.

Visibitty Pty Limited (EasiBucks) Licensed by the Financial Services Regulatory Authority (FSRA) of Eswatini
www.easibucks.com — hello@easibucks.com — +268 6744 3377