Agreement Number:

Fixed Sum Loan Agreement Regulated by the Consumer Credit Act 1974We: FLM, a trading name of Financial Processing UK Ltd of Walton House, 56-58 Richmond Hill, Bournemouth, BH2 6EX

Borrower: Credit Intermediary:

How and when credit will be provided: When we have signed this Agreement we will open a loan account in your name ('the account') and will pay the amount of the initial advance into the bank account whose details you have provided to us at the time you made your application. This will be your Guarantor's bank account in line with the Terms & Conditions of the Agreement. The aim of this being to prevent fraud and identity theft.

account on the payment due dates. In calculating the APR no account has been taken of any variation which may occur in the rate of interest as per Clause 3 of the Terms and Conditions of this Agreement. The estimated total interest, the total charge for credit and the estimated loan duration are calculated on the assumption that all monthly repayments are made on their due date and that the rate of interest is not varied by us during the lifetime of the loan

Total Amount Payable: which consists of: (a) previous brokerage fee already paid of: (b) a brokerage fee of: (c) amount of credit: (d) total interest of:

Timing of Repayments: Once we have signed this Agreement, we will write to you and tell you when your first monthly repayment is due. Thereafter you will pay a further monthly repayments payable on the same date in each subsequent month. If there is no corresponding date in the month the repayment will fall due on the last day of that month.

Statement of Account: You have the right to receive, on request, and free of charge at any time throughout the duration of the Agreement a Statement of Account. This will include the details of each repayment owing under the Agreement, the date on which each repayment is due, the amount and any conditions relating to the payment of the repayment and a breakdown of each repayment showing how much comprises - capital repayment, interest payment and if applicable, any other charges.

Charges: If you elect to have the funds transferred to your account via CHAPS you will be charged £30. We may debit your loan account with reasonable charges in respect of breaches of the Agreement. These are covered in more detail in Clause 10 of the Terms & Conditions of the Agreement.

Missing Payments: Missing payments could have severe consequences and make obtaining credit more difficult. Where payments are missed we may take action to recover monies owed including but not limited to: Contacting Guarantor to request payment; Recording default information about the Borrower with credit reference agencies; Taking court action against both Borrower and Guarantor; Seeking an Attachment or Earnings, Property Charging Order or Warrant of Execution.

Your right to withdraw: You have a right to withdraw from the Agreement, without giving any reason. The right starts on the date we notify you the loan has been paid out and lasts to the end of the 14th day after the day on which the Agreement is made or, if later, the date we tell you it has been made. You can tell us you want to withdraw in writing or orally by contacting our Accounts Manager at FLM, Walton House, 56-58 Richmond Hill, Bournemouth, BH2 6EX or on 0871 911 0203, giving details of this agreement. If you withdraw you must repay us the Amount of Credit advanced to you. You must pay us without delay and, in any event, no later than 30 days after giving notice of withdrawal.

Applicants Declaration:(a) Your personal details are correct, any information you have given us is true and will be relied upon by us(b) You have agreed and authorised us to take payments from your debit card(c) You have received, read and understood the Terms and Conditions of this Agreement before signing(d) All of the details on this form were completed before you signed this Agreement(e) You are over 18 years of age(f) You are not an undischarged bankrupt(g) You have had time to consider the Pre-Contract Consumer Credit Information prior to entering this Agreement

This Agreement consists of the terms, statement of rights and information above and the Terms and Conditions enclosed.

Guarantee and Indemnity subject to the Consumer Credit Act 1974We: FLM a trading name of Financial Processing UK Ltd of Walton House, 56-58 Richmond Hill, Bournemouth, BH2 6EXBorrower:Guarantor:Agreement Number:

IMPORTANT - YOU SHOULD READ THIS CAREFULLY ABOUT YOUR RIGHTSThe Consumer Credit Act 1974 covers this Guarantee & Indemnity and lays down certain requirements for your protection. If they are not carried out, the creditor cannot enforce this Guarantee & Indemnity against you without a court order. Until the Agreement between the creditor and the debtor has been made, you can change your mind about giving the Guarantee & Indemnity. If you wish to withdraw you must give WRITTEN notice to the creditor which must reach him BEFORE the main agreement is made. Once it has been made you can no longer change your mind.Under this Guarantee & Indemnity YOU MAY HAVE TO PAY INSTEAD of the debtor and fulfil any other obligations under the Guarantee & Indemnity. (But you cannot be made to pay more than he could have been made to pay.) However, if the debtor fails to keep his side of the Agreement, FLM must send him a default notice (and a copy to you) giving him a chance to put things right before any claim is made on you.If you would like to know more about your rights under the Act, you should contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau.Guarantor Declaration:By signing this Agreement you are declaring:(a) You have received, read and understood the Terms and Conditions of this Guarantee and Indemnity before signing.(b) You have agreed and authorised us to take payments from your debit card should the applicant fail to make any payments in full and on time under the terms of this Agreement.(c) All of the details on this form were completed before you signed this Guarantee and Indemnity.(d) In the event that the Borrower fails to meet their obligations under this Agreement, you agree to repay all monies owed.(e) You understand that this Guarantee and Indemnity will be valid even in the case of the debtor's death or bankruptcy.(f) You have had time to consider the Pre-Contract Credit Information prior to entering this AgreementThis Guarantee & Indemnity consists of the terms, statement of rights and information above and the Terms and Conditions enclosed.

Amount of Credit: Loan Duration: Amounts of Repayments:

APR (Variable): In calculating the APR, it is assumed that the Agreement is to remain valid for the period agreed and that the creditor and thedebtor will fulfil their obligations under the Terms and Conditions and by the dates specified in the Agreement. It is assumed that the APR will remain at the initial level and will be applicable for the duration of the Agreement.

Rate of Interest: per annum (Variable): Interest will be calculated on the daily balance outstanding of the Total Loan Amount and debited to the

(e) a setup fee of:

Yes LoansTintern House, William Brown Close, Llantarnam Park, Cwmbran, NP44 3AB

£3,000.00

£3,000.00

36 months £161.01

41.16%

£5,796.18 £69.50£300.00 £2,496.18

36

Sumudu Kodagoda of 44 Queen Ediths Way, Cambridge, Cambridge, CB1 8PWThe person named in the Guarantee and Indemnity section marked 'Guarantor Name' and 'Guarantor Address'

YL6482900

YL6482900

65.3%

Sumudu Kodagoda of 44 Queen Ediths Way, Cambridge, Cambridge, CB1 8PW

£0.00

PRE-CONTRACT CONSUMER CREDIT INFORMATION(Standard European Consumer Credit Information)

1. Contact DetailsCreditor. FLM LoansAddress. Walton House, 56-58 Richmond Hill, Bournemouth, Dorset, BH2 6EXWebsite. www.flmloans.co.ukCredit Intermediary.Address.Credit Intermediary. N/AAddress. N/A2. Key features of the credit productThe type of credit. Fixed Sum Loan AgreementThe total amount of credit.This means the amount of credit to be provided under the proposed credit agreement or the credit limit.How and when credit would be provided. When we have signed the Agreement we will open a loan account in your name (‘the account’) and will pay the

amount of the initial advance into the bank account whose details you have provided to us at the time you made your application. This will be your Guarantor’s bank account in line with the Terms & Conditions of the Agreement. The aim of this being to prevent fraud and identity theft.

Repayments.Total amount you will have to pay.This means the amount you have borrowed plus interest and other costs.Security required. The Credit Agreement is secured by a Guarantee & Indemnity with the Guarantor named in the Guarantee &

Indemnity section “My first name is” and “My surname is” and “I live at”3. Costs of the credit

agreement and debited to the account on the payment due dates. ‘Total Loan Amount’ means the sum of the amount of credit and any brokerage fee applied. We may from time to time increase or reduce the rate of interest to reflect any changes in the market rates and the cost of our funds after giving you written notice. We may give effect to any such increase or reduction by increasing or reducing the number of monthly payments or the amount of the monthly repayments or both by giving you written notice to that effect. If we vary the rate of interest, the variation will apply to the balance outstanding on the Account from a date notified to you. If we increase the rate of interest we will give you at least 28 days written notice and if we reduce the rate of interest we will give you at least 7 days written notice. In calculating the APR no account has been taken of any variation which may occur in the rate of interest.

Annual Percentage Rate of Charge (APR).This is the total cost expressed as an annual

The APR is there to help you compare different offers.Related CostsCharge for using a specific payment method. Payment by CHAPS is optional. If we are instructed to pay by CHAPS an administration fee of £30.Any other costs deriving from the credit agreement.Conditions under which the above charges can be changed.

There may be costs incurred in tracing you if you change your address, telephone number(s) or email address without telling us.

Costs in the case of late payments. We may debit your loan account with reasonable charges in respect of extra requirements or breaches of this agreement. Charges for breach of this agreement include: Late or failure to pay charge £20, returned payment charge £20, letter notifying non-payment £7. We charge interest on any interest and any other charges previously debited to the Account which have not been paid and reasonable costs we incur as a result of your breach, including legal costs and court fees.

Consequence of missing payments. Missing payments could have severe consequences and make obtaining credit more difficult. Where payments are missed we may take action to recover monies owed including but not limited to: Contacting Guarantor to request payment; Recording default information about the Borrower with credit reference agencies; Taking court action against both Borrower and Guarantor; Seeking an Attachment or Earnings, Property Charging Order or Warrant of Execution.

4. Other important legal aspectsRight of withdrawal. You have a right to withdraw from the Agreement, without giving any reason. The right starts on the date we

notify you the loan has been paid out and lasts to the end of the 14th day after the day on which the Agreement is made or, if later, the date we tell you it has been made.

Early repayment. At any time before the final Repayment is due, you have the right to pay off some or all that you owe us.Consultation with a credit reference agency. Should the creditor decide not to proceed with this agreement on the basis of information received from a Credit

Reference Agency you will receive full details of the decision and the details of the Credit Reference Agency will be provided.

Right to a draft credit agreement. You have the right, upon request, to receive a copy of the Credit Agreement free of charge.5. Additional information in the case of distance marketing of financial services(a) concerning the creditorRegistration number. FLM and FLM Loans are trading names of Financial Processing UK Ltd. Registered in the UK, number 4841153.

Consumer Credit Licence Number 557709.Registered with the Information Commissioner’s Office Z8738456.

The supervisory authority. The Office of Fair Trading, Fleetbank House, 2-6 Salisbury Square, London. EC4Y 8JX is the supervisory authority under the Act.

(b) concerning the credit agreementThe law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit agreement.

The establishment of relations with you before the conclusion of the credit agreement is governed by English Law unless your address is in Scotland in which case this agreement is governed by Scottish Law.

The law applicable to the credit agreement and/or the competent court.

This agreement is governed by English Law unless your address is in Scotland in which case this agreement is governed by Scottish Law.

Language to be used in connection with the credit agreement.

The language used in this agreement and any communication relating to it will be in English.

(c) concerning redressAccess to out-of-court complaint and redress mechanism.

If you have a complaint about this agreement or anything we’ve done please let us know. You can log a complaint over the telephone or on our website at complaints.flmloans.co.uk. If you want to do it by post write to FLM Complaints, Walton House, 56-58 Richmond Hill, Bournemouth, BH2 6EX. If you’ve told us about your complaint and we’ve given you an official response, and you’re still not happy you may be able to refer it to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.

The duration of the credit agreement.

The rates of interest which apply to the credit per annum (variable) Interest will be calculated on the daily balance outstanding of the Total Loan Amount

percentage of the total amount of credit. (Variable)

Yes LoansTintern House, William Brown Close, Llantarnam Park, Cwmbran, NP44 3AB

£3,000.00

36 months£161.01

41.16%

£5,796.18

65.3%

BORROWER KEEP ME SAFE – I am your copy of the Terms & Conditions, please read me and keep me in a safe place. Thanks!Financial Information relating to the Fixed Sum Loan Agreement Regulated by the Consumer Credit Act 1974

We: FLM, a part of Financial Processing UK Ltd of Walton House, 56-58 Richmond Hill, Bournemouth, BH2 6EXBorrower:Credit Intermediary:

Amount of Credit:

Amount of Repayments:

APR (Variable):Total Amount Payable:

The Agreement is between the Borrower named on the Credit Agreement and the Guarantor named on the Guarantee and Indemnity and FLM, a tradingname of Financial Processing UK Ltd. The Agreement is secured by the Guarantee and Indemnity provided by the Guarantor.

1. Pre-Contract Credit Information.You should have read and understood the Pre-Contract Credit Information provided to you prior to entering into this Agreement. If you are in any doubt as toyour liability and responsibilities under this Agreement or need to ask any questions relating to this Agreement you should contact us immediately.

2. Definitions.2.1 'We' , 'us' and 'our' in this Agreement means FLM, including our successors and assigns;2.2 'Loan' means any money paid to you or to your Guarantor on your behalf as a result of this Agreement or any extension or amendment to it.

2.4 'Guarantor', 'you' and 'your means the person who has agreed to guarantee full repayment of the loan to FLM should the Debtor fail to meet anypayments due and whose name and signature appears on the Guarantee and Indemnity.

2.6 The Guarantee and Indemnity means an Agreement by which the Guarantor agrees to be responsible for the debt of the Debtor if they default on theirloan and to compensate FLM against any and all loss.2.7 ‘Total Loan Amount’ means the sum of the amount of credit and any brokerage fee applied2.8 “the account” means the FLM loan account, which is opened in the debtor’s name when we sign the Agreement.

3. Interest – Make sure you read this bit, it’s about how your interest is calculated3.1 Interest will be calculated on the daily balance outstanding on the account and applied to the account on the payment date.3.2 We may from time to time increase or reduce the rate of interest to reflect any changes in the market rates and the cost of our funds after giving youwritten notice. We may give effect to any such increase or reduction by increasing or reducing the number of monthly payments or the amount of themonthly repayments or both by giving you written notice to that effect. If we vary the rate of interest, the variation will apply to the balance outstanding on theaccount from a date notified to you. If we increase the rate of interest we will give you at least 28 days written notice and if we reduce the rate of interest wewill give you at least 7 days written notice.

4. Payment Dates. We will not, without your consent, change the payment dates without giving you two months prior notice. Any change, at your request, inthe payment dates shall be at our absolute discretion.

5. Default. If:(i) you do not pay the monthly payment on time, or(ii) you break any of the other conditions of this Agreement, or(iii) you made any statement when applying for this Agreement which is false or misleading in a material respect, or(iv) you die, or(v) a bankruptcy petition is presented against you, or(vi) you make arrangements with your creditors for a compromise about how much you will pay them (sometimes known as an Individual VoluntaryArrangement or IVA ) then if any such breach is irremediable or material or has been persistently committed by you, subject to sending you a default notice,we may close the account and demand immediate payment of the outstanding balance.(vii) If the account is in arrears, we may try to obtain payment of the arrears amount from both the Borrower and the Guarantor by means of the debit/creditcard details authorised for use under this Agreement.

6. Repayment of the Loan. You agree to repay us the Total Loan Amount, along with interest and any charges referred to in Clause 10 below, in monthlypayments on the agreed payment day each month. Such payments are very important and a material condition of this Agreement.

7. Allocation of payments: We will allocate monthly repayments firstly towards any charges referred to in Clause 10 of the Terms & Conditions of theAgreement, secondly to interest accrued and thirdly to the balance outstanding of the Total Loan Amount.

8. Our Rights.Any delay in enforcing our rights under this Agreement shall not affect our rights. We may also accept late payments or partial payments, or cheques andmoney orders marked payment in full or something similar, without losing any of our rights under this Agreement.

9. Brokerage Fee.

broker requires payment. If a brokerage fee is shown in section (b) of the Total Amount Payable in the Agreement you authorise us to pay this fee to your brokeron your behalf on the date of this Agreement.

10. Charges.10.1 We may debit the account with reasonable charges in respect of extra requirements or breaches of this Agreement.10.2 Charges for breach of this Agreement include: late or failure to pay charge £20, returned payment charge £20, letter notifying non-payment £7.10.3 We charge interest on any interest and any other charges previously debited to the account which have not been paid and reasonable costs we incuras a result of your breach, including legal costs, court fees and our costs incurred in tracing you if you change your address, telephone number(s) or emailaddress without telling us. In the event of legal action the Borrower and Guarantor shall be responsible for all costs allowable by the courts if an award ismade in FLM’s favour.10.4 We have the right to vary these costs and charges to reflect any change in the cost incurred by us in carrying out the work. We will give you at least 30days notice in writing of any charge variations.10.5 Charges will be debited to the account when incurred and form part of the outstanding balance.

11.Your obligation to keep us informed.We will send all notices, information and statements to your address shown on this form or your last known address. Some notifications may also be sent toyou by email, SMS and may be delivered verbally by telephone. To make sure we are able to keep you informed, you MUST tell us within 7 days if youchange your home address, your name, email address or any telephone number which we use to contact you. You can tell us in writing at our normaladdress, by telephone, or using the online My Account system at www.flmloans.co.uk

Loan Duration:

Rate of Interest per annum (variable):

The total amount payable consists of a) previous broker fee already paid of: b) a brokerage fee of: c) a setup fee of:d) amount of credit: and e) total interest of:

9.1 Brokerage Fee. If you applied to us through a broker, work may have been done by the broker in processing your application prior to payout for which the

9.2 Setup Fee. We will charge a fee for work done prior to payout. You agree to pay this fee over the term of the loan.

Yes LoansTintern House, William Brown Close, Llantarnam Park, Cwmbran, NP44 3AB

£3,000.00

£3,000.00

36 months£161.01

41.16%

£5,796.18£69.50 £300.00

£2,496.18

Sumudu Kodagoda of 44 Queen Ediths Way, Cambridge, Cambridge, CB1 8PW

65.3%

£0.00

2.3 The 'Debtor,' the 'Borrower', 'you' and 'your' means Mr Sumudu Kodagoda who is borrowing from FLM with the agreement number YL6482900

2.5 The Agreement shall mean the Consumer Credit Agreement regulated by the Consumer Credit Act 1974 with the agreement number YL6482900 which MrSumudu Kodagoda proposes to enter into with FLM in respect of a personal loan.

12. General.

judgment we may obtain against you, until we receive payment of the full outstanding balance.12.2. If any single part of this Agreement is found to be invalid or unenforceable, it will not affect any other condition.12.3. We will not be liable if we are unable to meet our responsibilities under this Agreement because of a problem with a computer system or third partysupplier, such as the postal service, or because of an industrial dispute or any other circumstance beyond our reasonable control.12.4 We may transfer our rights under this Agreement at any time, you may not transfer yours.12.5 There maybe other taxes or costs which exist in addition to the sums referred to in this Agreement which are not a condition of the loan or imposed by us.12.6 The amount of credit can either be paid by BACS or CHAPS. Payment by CHAPS is optional. If we are instructed to pay by CHAPS an administrationfee of £30 will be deducted from the money paid out to cover the processing charge.

13. Early Repayment.At any time before the final Repayment is due, you have the right to pay off some or all that you owe us. You must give us verbal orwritten notice that you wish to make earlier repayment and, in the case of full settlement, must tell us the date on which you wish to settle. You can contactus at FLM, Walton House, 56-58 Richmond Hill, Bournemouth, BH2 6EX or on 0871 911 0203. For full settlement we will send you a statement setting outthe amount you owe and the minimum rebate to which you are entitled under the Consumer Credit Act 1974. When you make a partial payment, we willfirstly use it to pay any arrears, overdue interest or charges. We will then work out any rebate to which you are entitled and the balance of the earlyrepayment and any rebate will be applied to reduce the final repayment and then reduce the term of the agreement. You may ask us to send you astatement.

14. The Law and Language Applicable to This Agreement.14.1 This Agreement is governed by English Law unless your address is in Scotland in which case this Agreement is governed by Scottish Law.14.2 The language used in this Agreement and any communication relating to it will be in English.

15. Complaints. If you have a complaint about this Agreement or anything we've done please let us know. You can log a complaint over the telephone or onour website at complaints.flmloans.co.uk. If you want to do it by post write to FLM Complaints, Walton House, 56-58 Richmond Hill, Bournemouth, BH2 6EX.You do have a right to refer your complaint to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR or by email tocomplaint.info@financial-ombudsman.org.uk or by telephone on 0845 080 1800.

16. Supervisory Authority: The Office of Fair Trading, Fleetbank House, 2-6 Salisbury Square, London. EC4Y 8JX is the supervisory authority under the Act.

SHARING INFORMATION WITH OTHERSThe data which you provide will be used by us and other members of our group to consider and administer your application for this agreement. You agree thatwe may hold and process, by computer or otherwise, any information we gained about you as a result of this agreement and any other agreements orapplications you have made with or to us. Where necessary, for any of the above purposes, we may disclose your personal data to our regulators, to othermembers of our group, or to anyone to whom we transfer or assign in whole or part our rights and duties under this agreement. We may also disclose yourpersonal data to third parties (such as mailing agencies) to whom we outsource certain aspects of the administration of your agreement.

CREDIT REFERENCE AGENCIESIn considering this application we will search your record at credit reference agencies such as Call Credit, Experian or Equifax. The credit reference agencieswill provide us with credit information about you including information from the Electoral Register. The credit reference agencies will add details of oursearches and your application to the record which they hold about you. They will also add details of your agreement with us, the payments you make under itand any default or failure to keep to its terms. Your credit reference agency records will be seen by other organisations that make searches with thoseagencies.

We will check your details with fraud prevention agencies. If you provide false or inaccurate information and we suspect fraud, we will record this. We andother organisations may use and search these records to; search these records to help make decisions about credit and credit related services for you andmembers of your household; trace debtors, recover debt, prevent fraud, and to manage your accounts; check your identity to prevent money launderingunless you furnish us with other satisfactory proof of identity. If you want to receive details of those credit reference and fraud prevention agencies from whomwe obtain and with whom we record information about you, write to us at FLM, Walton House, 56 - 58 Richmond Hill, Bournemouth, BH2 6EX. You have alegal right to these details.

The credit reference agencies and fraud prevention agencies will also use the records for the statistical analysis of credit and fraud.

TELEPHONE CALLSTelephone calls may be recorded or monitored

These are additional Terms & Conditions for the GuarantorThe Guarantee and Indemnity provided by the Guarantor secures the Credit Agreement between the Borrower and FLM, a trading name of FinancialProcessing UK Limited.

17. In consideration of FLM entering into the Agreement with the debtor the Guarantor hereby:17.1 Guarantees that upon demand by FLM they will pay all of the debtor s obligations due and owing under the Agreement.17.2 Guarantees the performance of the debtors obligations due and owing under the Agreement.17.3 Indemnifies FLM and will keep FLM indemnified against any loss resulting from or arising out of the Agreement and/or the breach of any of the debtorsobligations and will pay such loss to FLM immediately on demand.17.4 Agrees to pay FLM all costs and expenses FLM shall have incurred in enforcing the Guarantee and Indemnity.

18. The Guarantee and Indemnity will not be affected by...18.1 Any variation of the Agreement.18.2 Any other security guarantee or security taken by FLM in respect of the debtor’s obligations.18.3 Any time or concession or other compromise, with settlement or with arrangement to release or not to sue the debtor or any other Guarantor orindemnifier.18.4 The requirement of any security taken in respect of the Agreement or the failure to realise or to enforce any such security or the failure to take anysecurity.18.5 The death, bankruptcy or insolvency of the debtor.

19. Independent AdviceYou should NOT stand as a Guarantor unless you are sure you know exactly what the responsibility is that you are taking on. If you are at all unsure westrongly recommend that you take independent legal advice from your Solicitor or your local Citizens Advice Bureau.

FLM and FLM Loans are trading names of Financial Processing UK Ltd. Registered in the UK, number 4841153. Registered Address: Walton House, 56 -58 Richmond Hill, Bournemouth BH2 6EX. Registered with the Information Commissioner's Office Z8738456. Consumer Credit Licence Number 557709.

Is the print on this page a little small for you? We’ve printed these terms small deliberately.We send out over 2 million sets of these forms a year and by squeezing them onto onesheet we have saved over 700 trees worth of paper in the last 12 months. If you need alarger print version you can get one easily online at www.flmloans.co.uk/terms

12.1 We really don't want to take you to court but if we have to, interest at the usual period rate of a month will accrue both before and after any3.43%

GUARANTOR KEEP ME SAFE – I am your copy of the Terms & Conditions, please read me and keep me in a safe place. Thanks!Financial Information relating to the Fixed Sum Loan Agreement Regulated by the Consumer Credit Act 1974

We: FLM, a part of Financial Processing UK Ltd of Walton House, 56-58 Richmond Hill, Bournemouth, BH2 6EXBorrower:Credit Intermediary:

Amount of Credit:

Amount of Repayments:

APR (Variable):Total Amount Payable:

The Agreement is between the Borrower named on the Credit Agreement and the Guarantor named on the Guarantee and Indemnity and FLM, a tradingname of Financial Processing UK Ltd. The Agreement is secured by the Guarantee and Indemnity provided by the Guarantor.

1. Pre-Contract Credit Information.You should have read and understood the Pre-Contract Credit Information provided to you prior to entering into this Agreement. If you are in any doubt as toyour liability and responsibilities under this Agreement or need to ask any questions relating to this Agreement you should contact us immediately.

2. Definitions.2.1 'We' , 'us' and 'our' in this Agreement means FLM, including our successors and assigns;2.2 'Loan' means any money paid to you or to your Guarantor on your behalf as a result of this Agreement or any extension or amendment to it.

2.4 'Guarantor', 'you' and 'your means the person who has agreed to guarantee full repayment of the loan to FLM should the Debtor fail to meet anypayments due and whose name and signature appears on the Guarantee and Indemnity.

2.6 The Guarantee and Indemnity means an Agreement by which the Guarantor agrees to be responsible for the debt of the Debtor if they default on theirloan and to compensate FLM against any and all loss.2.7 ‘Total Loan Amount’ means the sum of the amount of credit and any brokerage fee applied2.8 “the account” means the FLM loan account, which is opened in the debtor’s name when we sign the Agreement.

3. Interest – Make sure you read this bit, it’s about how your interest is calculated3.1 Interest will be calculated on the daily balance outstanding on the account and applied to the account on the payment date.3.2 We may from time to time increase or reduce the rate of interest to reflect any changes in the market rates and the cost of our funds after giving youwritten notice. We may give effect to any such increase or reduction by increasing or reducing the number of monthly payments or the amount of themonthly repayments or both by giving you written notice to that effect. If we vary the rate of interest, the variation will apply to the balance outstanding on theaccount from a date notified to you. If we increase the rate of interest we will give you at least 28 days written notice and if we reduce the rate of interest wewill give you at least 7 days written notice.

4. Payment Dates. We will not, without your consent, change the payment dates without giving you two months prior notice. Any change, at your request, inthe payment dates shall be at our absolute discretion.

5. Default. If:(i) you do not pay the monthly payment on time, or(ii) you break any of the other conditions of this Agreement, or(iii) you made any statement when applying for this Agreement which is false or misleading in a material respect, or(iv) you die, or(v) a bankruptcy petition is presented against you, or(vi) you make arrangements with your creditors for a compromise about how much you will pay them (sometimes known as an Individual VoluntaryArrangement or IVA ) then if any such breach is irremediable or material or has been persistently committed by you, subject to sending you a default notice,we may close the account and demand immediate payment of the outstanding balance.(vii) If the account is in arrears, we may try to obtain payment of the arrears amount from both the Borrower and the Guarantor by means of the debit/creditcard details authorised for use under this Agreement.

6. Repayment of the Loan. You agree to repay us the Total Loan Amount, along with interest and any charges referred to in Clause 10 below, in monthlypayments on the agreed payment day each month. Such payments are very important and a material condition of this Agreement.

7. Allocation of payments: We will allocate monthly repayments firstly towards any charges referred to in Clause 10 of the Terms & Conditions of theAgreement, secondly to interest accrued and thirdly to the balance outstanding of the Total Loan Amount.

8. Our Rights.Any delay in enforcing our rights under this Agreement shall not affect our rights. We may also accept late payments or partial payments, or cheques andmoney orders marked payment in full or something similar, without losing any of our rights under this Agreement.

Loan Duration:

Rate of Interest per annum (variable):

The total amount payable consists of a) previous broker fee already paid of: b) a brokerage fee of: c) a setup fee of:d) amount of credit: and e) total interest of:

9.2 Setup Fee. We will charge a fee for work done prior to payout. You agree to pay this fee over the term of the loan.

9.1 Brokerage Fee. If you applied to us through a broker, work may have been done by the broker in processing your application prior to payout for which the

address, by telephone, or using the online My Account system at www.flmloans.co.ukchange your home address, your name, email address or any telephone number which we use to contact you. You can tell us in writing at our normalyou by email, SMS and may be delivered verbally by telephone. To make sure we are able to keep you informed, you MUST tell us within 7 days if youWe will send all notices, information and statements to your address shown on this form or your last known address. Some notifications may also be sent to11.Your obligation to keep us informed.

10.5 Charges will be debited to the account when incurred and form part of the outstanding balance.days notice in writing of any charge variations.10.4 We have the right to vary these costs and charges to reflect any change in the cost incurred by us in carrying out the work. We will give you at least 30made in FLM’s favour.address without telling us. In the event of legal action the Borrower and Guarantor shall be responsible for all costs allowable by the courts if an award isas a result of your breach, including legal costs, court fees and our costs incurred in tracing you if you change your address, telephone number(s) or email10.3 We charge interest on any interest and any other charges previously debited to the account which have not been paid and reasonable costs we incur10.2 Charges for breach of this Agreement include: late or failure to pay charge £20, returned payment charge £20, letter notifying non-payment £7.10.1 We may debit the account with reasonable charges in respect of extra requirements or breaches of this Agreement.10. Charges.

on your behalf on the date of this Agreement.broker requires payment. If a brokerage fee is shown in section (b) of the Total Amount Payable in the Agreement you authorise us to pay this fee to your broker

9. Brokerage Fee.

Yes LoansTintern House, William Brown Close, Llantarnam Park, Cwmbran, NP44 3AB

£3,000.00

£3,000.00

36 months£161.01

41.16%

£5,796.18£69.50 £300.00

£2,496.18

Sumudu Kodagoda of 44 Queen Ediths Way, Cambridge, Cambridge, CB1 8PW

65.3%

£0.00

2.3 The 'Debtor,' the 'Borrower', 'you' and 'your' means Mr Sumudu Kodagoda who is borrowing from FLM with the agreement number YL6482900

2.5 The Agreement shall mean the Consumer Credit Agreement regulated by the Consumer Credit Act 1974 with the agreement number YL6482900 which MrSumudu Kodagoda proposes to enter into with FLM in respect of a personal loan.

12. General.

judgment we may obtain against you, until we receive payment of the full outstanding balance.12.2. If any single part of this Agreement is found to be invalid or unenforceable, it will not affect any other condition.12.3. We will not be liable if we are unable to meet our responsibilities under this Agreement because of a problem with a computer system or third partysupplier, such as the postal service, or because of an industrial dispute or any other circumstance beyond our reasonable control.12.4 We may transfer our rights under this Agreement at any time, you may not transfer yours.12.5 There maybe other taxes or costs which exist in addition to the sums referred to in this Agreement which are not a condition of the loan or imposed by us.12.6 The amount of credit can either be paid by BACS or CHAPS. Payment by CHAPS is optional. If we are instructed to pay by CHAPS an administrationfee of £30 will be deducted from the money paid out to cover the processing charge.

13. Early Repayment.At any time before the final Repayment is due, you have the right to pay off some or all that you owe us. You must give us verbal orwritten notice that you wish to make earlier repayment and, in the case of full settlement, must tell us the date on which you wish to settle. You can contactus at FLM, Walton House, 56-58 Richmond Hill, Bournemouth, BH2 6EX or on 0871 911 0203. For full settlement we will send you a statement setting outthe amount you owe and the minimum rebate to which you are entitled under the Consumer Credit Act 1974. When you make a partial payment, we willfirstly use it to pay any arrears, overdue interest or charges. We will then work out any rebate to which you are entitled and the balance of the earlyrepayment and any rebate will be applied to reduce the final repayment and then reduce the term of the agreement. You may ask us to send you astatement.

14. The Law and Language Applicable to This Agreement.14.1 This Agreement is governed by English Law unless your address is in Scotland in which case this Agreement is governed by Scottish Law.14.2 The language used in this Agreement and any communication relating to it will be in English.

15. Complaints. If you have a complaint about this Agreement or anything we've done please let us know. You can log a complaint over the telephone or onour website at complaints.flmloans.co.uk. If you want to do it by post write to FLM Complaints, Walton House, 56-58 Richmond Hill, Bournemouth, BH2 6EX.You do have a right to refer your complaint to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR or by email tocomplaint.info@financial-ombudsman.org.uk or by telephone on 0845 080 1800.

16. Supervisory Authority: The Office of Fair Trading, Fleetbank House, 2-6 Salisbury Square, London. EC4Y 8JX is the supervisory authority under the Act.

SHARING INFORMATION WITH OTHERSThe data which you provide will be used by us and other members of our group to consider and administer your application for this agreement. You agree thatwe may hold and process, by computer or otherwise, any information we gained about you as a result of this agreement and any other agreements orapplications you have made with or to us. Where necessary, for any of the above purposes, we may disclose your personal data to our regulators, to othermembers of our group, or to anyone to whom we transfer or assign in whole or part our rights and duties under this agreement. We may also disclose yourpersonal data to third parties (such as mailing agencies) to whom we outsource certain aspects of the administration of your agreement.

CREDIT REFERENCE AGENCIESIn considering this application we will search your record at credit reference agencies such as Call Credit, Experian or Equifax. The credit reference agencieswill provide us with credit information about you including information from the Electoral Register. The credit reference agencies will add details of oursearches and your application to the record which they hold about you. They will also add details of your agreement with us, the payments you make under itand any default or failure to keep to its terms. Your credit reference agency records will be seen by other organisations that make searches with thoseagencies.

We will check your details with fraud prevention agencies. If you provide false or inaccurate information and we suspect fraud, we will record this. We andother organisations may use and search these records to; search these records to help make decisions about credit and credit related services for you andmembers of your household; trace debtors, recover debt, prevent fraud, and to manage your accounts; check your identity to prevent money launderingunless you furnish us with other satisfactory proof of identity. If you want to receive details of those credit reference and fraud prevention agencies from whomwe obtain and with whom we record information about you, write to us at FLM, Walton House, 56 - 58 Richmond Hill, Bournemouth, BH2 6EX. You have alegal right to these details.

The credit reference agencies and fraud prevention agencies will also use the records for the statistical analysis of credit and fraud.

TELEPHONE CALLSTelephone calls may be recorded or monitored

These are additional Terms & Conditions for the GuarantorThe Guarantee and Indemnity provided by the Guarantor secures the Credit Agreement between the Borrower and FLM, a trading name of FinancialProcessing UK Limited.

17. In consideration of FLM entering into the Agreement with the debtor the Guarantor hereby:17.1 Guarantees that upon demand by FLM they will pay all of the debtor s obligations due and owing under the Agreement.17.2 Guarantees the performance of the debtors obligations due and owing under the Agreement.17.3 Indemnifies FLM and will keep FLM indemnified against any loss resulting from or arising out of the Agreement and/or the breach of any of the debtorsobligations and will pay such loss to FLM immediately on demand.17.4 Agrees to pay FLM all costs and expenses FLM shall have incurred in enforcing the Guarantee and Indemnity.

18. The Guarantee and Indemnity will not be affected by...18.1 Any variation of the Agreement.18.2 Any other security guarantee or security taken by FLM in respect of the debtor’s obligations.18.3 Any time or concession or other compromise, with settlement or with arrangement to release or not to sue the debtor or any other Guarantor orindemnifier.18.4 The requirement of any security taken in respect of the Agreement or the failure to realise or to enforce any such security or the failure to take anysecurity.18.5 The death, bankruptcy or insolvency of the debtor.

19. Independent AdviceYou should NOT stand as a Guarantor unless you are sure you know exactly what the responsibility is that you are taking on. If you are at all unsure westrongly recommend that you take independent legal advice from your Solicitor or your local Citizens Advice Bureau.

FLM and FLM Loans are trading names of Financial Processing UK Ltd. Registered in the UK, number 4841153. Registered Address: Walton House, 56 -58 Richmond Hill, Bournemouth BH2 6EX. Registered with the Information Commissioner's Office Z8738456. Consumer Credit Licence Number 557709.

Is the print on this page a little small for you? We’ve printed these terms small deliberately.We send out over 2 million sets of these forms a year and by squeezing them onto onesheet we have saved over 700 trees worth of paper in the last 12 months. If you need alarger print version you can get one easily online at www.flmloans.co.uk/terms

12.1 We really don't want to take you to court but if we have to, interest at the usual period rate of a month will accrue both before and after any3.43%