LOAN AGREEMENT Nr / / /AF. Ms/Mr..., inhabitancy.., at, ID number:.., PESEL:.., business activity name: seat in.,.., nr NIP:., REGON:.. ( Borrower).

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1 (Further called Agreement) LOAN AGREEMENT Nr / / /AF concluded on.. r. between the following parties (further: Parties): Aforti Finance S.A. with its seat in Warsaw, street Chałubińskiego 8, Warsaw, registered by the District Court for the city of Warsaw, XII Economic Faculty KRS number KRS: , NIP: , represented by an authorized representation: Klaudiusz Sytek Board President ( Lender ), a Ms/Mr...., inhabitancy.., at, ID number:.., PESEL:.., business activity name: seat in.,.., nr NIP:., REGON:.. ( Borrower). Parties have decided to conclude the following Agreement: 1 1. Lender declares: a) carries on business as lending company; b) person acting on its behalf is properly attached; c) loan is granted for business activity. 2. The Borrower declares: a) has full legal capacity and is fully authorized to enter into this Agreement and its implementation, b) the loan is taken out in the course of their business and the means of the proceeds will be used to conduct business Lender granted the Borrower a cash loan in the amount of.000,00 PLN. 2. Lender makes a loan to the Borrower for a period of months. 3. The lender, net of fees referred to in paragraph 8 and 9 of this paragraph, the Borrower shall provide the remaining amount of the loan, in the amount...00,00 PLN within 7 working days from the date of signing of this Agreement on the Borrower's bank account at the Bank.. nr:.., subject to satisfactory subsequent verification of the authenticity of the following documents:

2 a) certification from the Social Insurance Institution, b) certificates from the Tax Office, c) other documents provided. In case of any irregularities in the preparation of the above documents, eg. their forgery, the contract ceases to bind the parties. If irregularities referred to above will become apparent after 7 days from the date of signing of this Agreement, in this case, the borrower no later than within two days of the publication of irregularities referred to above shall repay the lender the full amount of the loan referred to in 2. 1 of this Agreement. 4. The borrower agrees to repay the loan in the amount referred to in 2. 1 of this Agreement, in 12 installments, each of the first 11 installments are.. PLN, 12 th instalment is. PLN. 5. Repayment of each loan installments will be followed by.. each month, from the month following the month in which this contract was concluded. 6. Repayment of each loan installments will take place in the following account number of Lender in mbank S.A.: The Borrower agrees to pay the last installment of the loan by the deadline of On the date hereof the Borrower shall pay the Lender preparatory fee. The amount of the preparation fee is 1% of the entire loan amount for each month for which the loan is granted, which is..pln. The Borrower agrees to deduct preparatory fee from the loan. 9. On the date hereof the Borrower shall pay the Lender administration fee. The amount of the preparation fee is 2% of the entire loan amount for each month for which the loan is granted, which is..pln. The Borrower agrees to deduct administration fee from the loan. 10. Borrower shall pay the Lender manipulation fee. The amount of the preparation fee is 3% of the entire loan amount for each month for which the loan is granted, which is..pln, subject to the conditions of the Rules of Promotion. For at least a 14-day delay (calculated by calendar days) Borrowers in repayment of loan installments, as referred to in the Regulations Promotion fee for the entire duration of the Loan Agreement shall become immediately due. To the manipulation fee applies the "Rules of Promotion for manipulation fee" constituting Appendix No. 1 to the Agreement. 11. The Borrower may at any time, without paying an additional fee, pay off the entire loan before the deadline, which was granted a loan. In the case of early repayment, the lender will return the Borrower half of the proportional part attributable to an administration fee for the period of time which has been shortened repayment of the loan, calculated for full monthly periods. The method for calculating the amount of refund administration fee represents the following formula:

3 gdzie: Zw describes the amount of the refund administrative fee for early repayment of loans P means the gross amount of the loan PM It represents the number of full months by which shortened the repayment period of the loan through its early repayment 12. The amount of administration fee to repaid takes into account full months remaining until the end of the loan In case of delay in payment of installments, the borrower is required to pay interest for delay amounting to four times the loan interest rate set by the Polish National Bank, on a yearly basis, valid for the day to pay interest for the delay. 2. In accordance with Art of the Civil Code, the obligation to pay such interest for the delay is independent of whether the delay was a result of circumstances for which the borrower is responsible. The interest for the delay include a lender even if he has not suffered due to the delay of any damage In the case of the 30-day (thirty) delays in repayment of any of the installments - on 31 (thirtyfirst) day of delay in payment of installments, the entire amount of the loan is bound to be repaid, together with any receivables side becomes immediately due. 2. In the event of failure to repay the loan within the period specified in 2. 7 of the Agreement or in the event of late payment of each installment of the loan, the borrower is burdened with the costs of the various collection activities under the flat-rate price list: a) the cost of phone reminder - 10 pln for each reminder b) sms reminder- 10 pln each; c) reminder 10 pln each ; d) the cost of preparing and shipping written reminder 100 pln each; e) the cost of local recovery pln each visit. 3. The costs for the activities referred to in paragraph. 2 can be charged in relation to delay the repayment of any installment under the following frequencies: a) Phone reminder once weekly; b) Sms reminder once weekly;

4 c) reminder once weekly; d) Written reminder twice monthly; e) Local recovery twice monthly. 5 Repayment Borrowers are included to cover obligations to the Lender in the following order: 1. Costs of reminders and local recovery; 2. Interest, 3 of this Agreement; 3. Manipulation fee; 4. Oldest delayed installment; 5. Following installments. 6 The security for the loan is issued by the Borrower bill of exchange "in blanco". Terms of filling the bill by the Lender are contained in The Declaration of the promissory note, which is attached to this Loan Agreement as Attachment number The lender may assign claims arising from the Agreement to a third party, to which the Borrower hereby agrees. 2. After assignment Borrower will be informed within 30 days from the date of transfer. 3. Borrower may not assign the rights and obligations under this Agreement to a third party, unless the written consent of the Lender For the data transmission between the Parties, correspondence relating to this Agreement, including correspondence relating to debt recovery under the Agreement only effective are the following addresses: Lender: Adress: ul. Chałubińskiego 8, Warszawa Borrower: Adress:.. Phone:. 2. Each Party shall immediately inform the other party of any change of address for correspondence, under pain of recognition that a letter sent to the last known address of the page and missed, despite two advising deemed to be delivered effectively. 3. Change of address does not constitute an amendment of the Agreement.

5 4. All amendments and additions to this Agreement must be made in writing to be valid. 5. The law applicable to its obligations under this Agreement, the Polish law. 6. Any disputes that may arise between the parties in connection with this Agreement shall be settled by the court competent for the seat lender. 7. Any potential additional costs associated with this Agreement shall be borne by the Borrower. 8. Integralną częścią niniejszej umowy jest Załącznik nr 1 Regulamin Promocji w zakresie opłaty manipulacyjnej oraz Załącznik nr 2 Deklaracja wekslowa. An integral part of this agreement is Appendix 1 Rules of Promotion for manipulatory fee and Appendix 2 The Declaration of promissory note. 9. This Agreement is made in two identical copies, one for each Party. 10. The Agreement shall enter into force after signed by Parties. Załączniki: 1. Appendix 1 Rules of Promotion for manipulatory fee 2. Appendix 2 The Declaration of promissory note Lender Borrower

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