ENTITY PARTNER AGREEMENT

For Sourcing and Distribution of Financial Products

This Entity Partner Agreement (“Agreement”) is made and entered into on this 17th day of September, 2026 (“Effective Date”)

ARVANTA and the Entity Partner are individually referred to as a “Party” and collectively as the “Parties.”

1.2 The purpose of this Agreement is to appoint the Entity Partner as a non-exclusive business sourcing partner for identifying, referring and assisting prospective customers interested in the following financial products:

1.3 The Entity Partner shall source prospective customers and business opportunities and submit the relevant information/documents to ARVANTA through the channels, technology platforms, CRM, links, APIs or other mechanisms prescribed by ARVANTA.

2.2 The Entity Partner shall not represent itself as an employee, agent, authorised signatory, lender, bank or NBFC of ARVANTA or any financial institution unless specifically authorised in writing.

2.3 ARVANTA shall have the sole discretion to determine the appropriate lender/product for a customer based on eligibility, credit policy, documentation, risk parameters and other applicable criteria.

2.4 The appointment under this Agreement does not guarantee approval, sanction or disbursement of any financial product.

• a. Identify and refer genuine prospective customers;
• b. Obtain necessary consent from customers before sharing their information with ARVANTA;
• c. Provide accurate and complete customer information;
• d. Assist customers in understanding the basic application process;
• e. Coordinate with ARVANTA for collection of required information/documents;
• f. Follow the process, technology and compliance guidelines communicated by ARVANTA;
• g. Maintain confidentiality of customer and business information;
• h. Refrain from making false promises regarding loan approval, interest rates, credit limits, processing fees, tenure or disbursement;
• i. Ensure that no customer is misled or improperly influenced during the sales process.

• a. Provide reasonable training, product information and process guidelines to the Entity Partner;
• b. Provide access to applicable sourcing channels, CRM, links or technology platforms, as determined by ARVANTA;
• c. Process eligible customer applications in accordance with the applicable lender/product process;
• d. Provide available application/status updates through the prescribed system or communication channel;
• e. Pay applicable partner remuneration in accordance with the agreed commercial terms, subject to eligibility and applicable conditions;
• f. Provide reasonable operational support to the Entity Partner.

5.2 All customer applications shall remain subject to the eligibility criteria, underwriting policies, KYC requirements and credit policies of the concerned bank/NBFC/financial institution.

5.3 ARVANTA and/or the concerned financial institution shall have the right to reject an application without being required to disclose confidential underwriting reasons.

5.4 The Entity Partner shall not collect or retain customer documents beyond what is permitted under applicable law and ARVANTA's process.

6.2 Customer data shall be used solely for the purpose for which consent has been obtained and in accordance with applicable laws, regulations and ARVANTA's policies.

6.3 The Entity Partner shall implement reasonable security measures to protect customer information against unauthorised access, disclosure, alteration or misuse.

6.4 The Entity Partner shall immediately notify ARVANTA of any suspected data breach, unauthorised disclosure or misuse of customer information.

• a. Create or submit fake, fabricated, or manipulated applications and documents;
• b. Misrepresent customer income, employment, business turnover, address or other information;
• c. Charge customers any unauthorised fee in the name of ARVANTA or any lender;
• d. Guarantee approval or disbursement of any loan or issuance of any credit card;
• e. Misuse the logo, name, trademark or intellectual property of ARVANTA or any lender;
• f. Share customer data with unauthorized third parties;
• g. Engage in misleading, fraudulent, unethical or unlawful sales practices;
• h. Use spam, unauthorised bulk messaging or other prohibited marketing practices.

8.2 Payout shall be subject to the applicable product, lender, approval, disbursement and/or activation conditions.

8.3 No payout shall be payable merely for submission of a lead unless specifically agreed in writing.

8.4 Payouts shall be processed after reconciliation and verification by ARVANTA.

8.5 Any applicable GST, TDS or other statutory deductions shall be dealt with in accordance with applicable law.

8.6 ARVANTA reserves the right to recover or adjust payouts in cases of cancellation, fraud, misrepresentation, duplicate sourcing, customer withdrawal, clawback by the lender or any other applicable clawback condition.

10.2 No advertisement, social media campaign, website content, pamphlet, banner or other promotional material containing ARVANTA's branding shall be published without the required approval.

10.3 The Entity Partner shall not make any independent claim regarding guaranteed loan approval, guaranteed credit limits, interest rates or financial returns.

12.2 Nothing in this Agreement shall transfer ownership of any intellectual property from one Party to the other.

The Entity Partner shall specifically comply with applicable requirements relating to customer consent, KYC, data protection, telemarketing, digital communications and financial product sourcing.

• a. It has full authority to enter into this Agreement;
• b. Execution of this Agreement does not violate any other contractual obligation;
• c. It shall perform its obligations in a professional and lawful manner;
• d. It shall not knowingly engage in fraudulent or misleading activities.

The Entity Partner further represents that all customer information submitted to ARVANTA shall, to the best of its knowledge, be genuine and obtained through lawful means.

• a. Fraudulent or unauthorised activities of the Entity Partner;
• b. Misrepresentation or manipulation of customer information;
• c. Unauthorised use of ARVANTA's name, logo or intellectual property;
• d. Breach of confidentiality or customer data obligations;
• e. Violation of applicable law by the Entity Partner;
• f. Any unauthorised commitment made by the Entity Partner to a customer.

15.2 ARVANTA shall likewise indemnify and hold the Entity Partner harmless from losses, claims, penalties, damages, costs or expenses arising from:

• a. Fraudulent or unauthorised activities of ARVANTA or its employees;
• b. Unauthorised use, disclosure or misuse of the Entity Partner's confidential business or banking information by ARVANTA;
• c. Wrongful withholding, non-payment or unreasonable delay of undisputed, due and payable commission amounts by ARVANTA;
• d. Violation of applicable law by ARVANTA in connection with this Agreement.

16.2 The Agreement may be renewed by mutual written consent of the Parties.

16.3 Either Party may terminate this Agreement by providing 30 days' written notice to the other Party.

16.4 ARVANTA may terminate the Agreement immediately in the event of fraud, misconduct, data breach, regulatory violation, material breach or misuse of ARVANTA's brand or systems.

16.5 Upon termination, the Entity Partner shall immediately stop representing itself as an ARVANTA partner and discontinue use of ARVANTA's branding, systems and confidential information.

16.6 Eligible payouts relating to business generated before termination shall be handled in accordance with the applicable commercial terms and clawback conditions.

16.7 The Entity Partner may terminate this Agreement immediately by written notice if ARVANTA (a) fails to pay undisputed, due and payable commission amounts within sixty (60) days of the due date under Annexure A and Annexures A-1 to A-6, or (b) commits a material breach of its data protection obligations under Clause 6 causing loss to the Entity Partner, in either case where such failure or breach is not cured within fifteen (15) days of written notice specifying the same.