Business loan

Information on the rights and obligations of the consumer creditor, mutual lending platform operator and borrower Please be informed that three parties are involved in mutual lending: i) you, the consumer creditor, ii) NEO Finance, AB - Loan Club, mutual lending platform operator ; (iii) "Borrower" means the person to whom you actually lend your money. You and the Borrower will not communicate or know each other's personal information directly in order not to violate confidentiality.

Your Obligations in mutual lending - complying with the terms of the agreement signed with the Loan Club including familiarizing with all assumed risks, providing the Loan Club with correct information,  informing in case of changes in personal data, country of residence and other relevant information, being interested in investment products

Borrower's obligations in mutual lending - fulfilling the terms of the Consumer Credit Agreement appropriately and on time, in particular - making timely payments under the agreement, providing the Loan Club with correct information, informing if personal data and other obligations have changed

All other responsibilities - proper assessment of the Borrower's creditworthiness, administration of payments, provision of information, debt collection, etc. - are the responsibility of the Loan Club.

> Consumer Credit Investment Agreement no. SIVK-N226661146

NEO Finance, AB, legal entity code 303225546, registered office Verkių str. 25C-1, LT-08223 Vilnius, represented by Aiva Remeikienė, Head of Administration, acting in accordance with the Articles of Association (hereinafter referred to as the Operator),

The Lender and the Operator are each referred to separately as the Party and together as the Parties;

Given that

i. The Operator acts as the operator of the Mutual Lending Platform, as established by the Law on Consumer Credit of the Republic of Lithuania (hereinafter - the Law), and

ii. The Lender acts as a Lender within the meaning of the Law and wishes to lend funds to natural persons, has entered into this Loan Agreement (hereinafter referred to as the Agreement).

1. General provisions

1.1. This agreement defines the rights and obligations of the Operator and the Lender in the mutual lending relationship.