Money Lending Agreement — B-Finance (Seal Investment Pte Ltd)

Step 1 of 5

Borrower Identification and Affordability

Fields are checked as you type. Anything marked * must be valid before the agreement can be signed.

Borrower Identity — Customer Due Diligence

Exactly as shown on the photo identification provided.

Full legal name *

Date of birth *

Identification type *

ID number * Letters and numbers both accepted.

TIN (if available)

Residential address *

Mobile number *

Email address * The signed agreement is sent here. Required — the borrower must receive a copy.

Income and Affordability Assessment

Used to check the repayments actually fit the borrower's budget.

Employer / business name *

Occupation

Net income per pay period (FJD) *

How often are you paid? *

Living expenses per pay period (FJD)

Other loan repayments per pay period (FJD)

Repayment Account — Standing Order Authority

Repayments are made by standing order from this account.

Bank *

Account number *

Account holder name (if different from borrower)

Next of Kin and Contact Reference

Someone we can contact if we cannot reach the borrower.

Name

Relationship

Phone

Address

Step 2 of 5

Loan Particulars and Cost of Credit

The total cost is calculated below. The borrower must see these figures before signing.

Loan Particulars

Amount borrowed — principal (FJD) *

Date funds are needed * The date you need the money. Today or later.

Purpose of the loan *

Repayment frequency * B-Finance's rate is set per fortnight.

Number of repayments *

Interest rate * Set by B-Finance. Confirmed in writing before you sign.

Rate applies * Set by B-Finance. This rate applies to each repayment period.

Interest basis * Set by B-Finance. Simple interest only — compounding is illegal under s.17.

Date of first repayment * Must be on or after the date funds are released.

Pre-Contract Disclosure — Total Cost of Credit

Recalculates as you type. These figures go into the signed agreement.

Amount borrowed—

Interest charged—

Each repayment—

Number of repayments—

Total interest charged—

Total repayable—

Step 3 of 5

Security, Collateral and Documents Held

Record exactly what is being held, so there is no argument later about what must be returned.

Card retention — record it properly If a card is held, the file must show which card, that the borrower handed it over voluntarily, and that it is returned on full repayment. That record is what protects you if the borrower later disputes a withdrawal with their bank. Never record or store the PIN.

Verification Documents Held on File

Copies only. Original identity documents are returned to the borrower immediately.

Recent payslip

Bank statement

Employment confirmation letter

Copy of photo identification

Copy of work ID

Signed standing order / direct transfer authority

ATM / debit card held as security — returned on full repayment

Send Your Documents

Ticking a box above tells B-Finance what you are providing. The documents themselves still have to reach us before your application can be assessed.

Your application cannot be approved until these are received and verified Attach them below if your phone or computer allows it, or email them to ML@sealfiji.com quoting your name. B-Finance checks every document against the list you submitted before making a decision.

Attach documents (optional) Photos or PDFs. They are attached when you submit — nothing is uploaded now.

Collateral Provided as Security

Complete only if an item has been provided as security. Leave blank for unsecured loans.

Description of the item

Estimated value (FJD)

Where the item is held

If you take security over a vehicle or equipment Registering the interest on the Personal Property Securities Register (PPSA 2017) is what protects your claim if the borrower sells the item or another creditor comes after it.

Step 4 of 5

Terms Applied For — Review Before Signing

Go through this with the borrower out loud. Anything shown in red must be completed first.

Borrower Declarations and Acknowledgements

The borrower ticks each of these themselves.

I have read this application and its terms, or they have been read to me in a language I understand.

The interest, repayment amount and total repayable were explained to me before I signed.

I believe I can make these repayments alongside my other commitments.

I will receive a copy of this document, and a countersigned copy if the loan is approved.

I am applying for this loan freely and no one has pressured me. I understand it is not approved until B-Finance countersigns.

I agree to receive this document, and any countersigned agreement, by email at the address I provided.

Step 5 of 5

Signature and Submission

Sign with a finger on a phone or tablet, or with the mouse on a computer. Only the borrower's signature is needed to submit — B-Finance countersigns after assessment. Signing dates are fixed to today and cannot be changed.

BORROWER — signature

Sign here with your finger

Print name

Date signed

WITNESS (optional)

Witness signature

Print name

Date signed

Where the document goes

A copy of the application goes to the borrower and to B-Finance.

Borrower — PDF only —

B-Finance — PDF + data record ML@sealfiji.com

The data record contains the borrower's signature image and is never sent to the borrower.

Seal Investment Pte Ltd

Borrower Identification and Affordability

Borrower Identity — Customer Due Diligence

Income and Affordability Assessment

Repayment Account — Standing Order Authority

Next of Kin and Contact Reference

Loan Particulars and Cost of Credit

Loan Particulars

Pre-Contract Disclosure — Total Cost of Credit

Security, Collateral and Documents Held

Verification Documents Held on File

Send Your Documents

Card Held as Security

Collateral Provided as Security

Terms Applied For — Review Before Signing

Borrower Declarations and Acknowledgements

Signature and Submission

Lender approval — countersignature

Where the document goes