I/We declare that all the particulars, supporting documents and information provided in the application form are true, correct, complete as per our best knowledge and I/We have not withheld or misrepresented any information mentioned herein. I/We hereby undertake to indemnify Credila Financial Services Limited (Credila") for any loss of data in any electronic format, any losses or damages that may arise on account of any material misstatement, misrepresentation or gross negligence in providing the particulars, supporting documents and information therin. I/We confirm having received and understood comprehensive and detailed information including terms and conditions regarding Credila's education loan process as mentioned on Credila's website along with Fair Practice Code and hereby agree to the Rate of Interest, fees, charges, costs etc., payable by us in relation there to and abide by the same. I/We are aware that fees paid by us are non refundable. I/We explicitly consent and authorize Credila, its associate companies, agents, agencies, partners, educational institutions, credit reporting agencies and any other entity to verify any information such as enrolment verification, residence verification, employment verification, telephone verification, Credit Bureau check, document verification, reference checks etc, and also exchange, share, part with all information related to transaction history as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring for verification or risk management and shall not hold Credi la liable for use or disclosure of this information. I/We unconditionally agree and accept that such information if found inconsistent may be construed as misrepresentation to Credila, and agree that Credila shall have every right to report to Reserve Bank of lndia (RBI) and/or any other entity/authority and shall take necessary action as deemed fit. I/We are aware that Credila offers education loan under floating rate option and if there are any updates then Credila will communicate at the time of loan sanctioning. I/We agree that Credila may reject our education loan application without giving any reasons thereof and that Credila shall not be responsible/liable in any manner whatsoever to us for such rejection, or any delay in notifying us of such rejection including any costs, losses, damages or expenses or consequences caused by such rejection of our education loan application. I/We declare that I/We have not availed an education loan for the further studies from any other bank/financial institution for the same course. I/We undertake to inform Credila regarding change in our residence/employment and to provide any further information that Credila may require from time to time. I/We confirm that I/We have had no insolvency proceedings initiated against us nor I/We have ever been adjudicated insolvent. I/We hereby undertake and provide my/our consent for sharing my/our details with Central KYC Registry. I/We hereby consent for Credila to receive KYC information from Central KYC Registry or from UIDAl. I/We hereby, authorize Credila, its channel partners, agencies and/or affiliates to communicate with me/us by email, call, SMS, electronic communication using digital media and other channels or via any other means in relation to any of the products, services or information of Credila and/or their partners, agencies and/or affiliates etc. I/We confirm that laws in relation to the unsolicited communication referred in "National Do Not Call Registry"(the "NDNC Registry") as laid down by TELECOM REGULATORY AUTHORITY OF INDIA will not be applicable for such communication/calls/SMS received from Credila, it's employees, agents and/or associates. Sharing Aadhaar Number is purely at the discretion of the applicant/s and Credila does not insist on providing the same. I/We declare and confirm that I/We have not made any payment in cash, bearer cheque or kind along with or in connection with this Application to the representative collecting my/our application.

I/We hereby voluntarily opt for Aadhaar OVD KYC or offline verification and submit at my/our own discretion (knowingly that its optional), my/our Aadhaar number, Virtual ID, the physical copy of masked Aadhaar card/physical e-Aadhaar/masked Aadhaar/offline electronic Aadhaar xml, Aadhaar details, demographic details, Aadhaar registered mobile number and/or e-mail id (collectively, “Information”), to Credila Financial Services Limited (“Credila”) for the purpose of establishing my/our identity / address proof and voluntarily give my/our consent to avail education loan facility and other products or services from Credila, its channel partners, agencies, service providers and/or affiliates, etc. in my/our name's individual capacity/ies using my/our Aadhaar or as an authorized signatory in non-individual accounts. I/we have been informed that submission of Aadhaar is not mandatory and there are alternative options for KYC other than Aadhaar. All options were given to me by Credila through its employees / authorized representatives, channel partners, affiliates, service providers, authorized agents etc . I/We are aware that Credila will share Aadhar number and/or biometrics with CIDR/UIDAI for e-KYC/Offline verification and I/We hereby consent to Credila for verification of my/our Aadhaar to establish its genuineness through Quick Response (QR) code embedded in Aadhaar card or through such other acceptable means as per the UIDAI or under any act or law for the time being in force in India. The consent and the purpose of collecting Aadhaar has been explained to me/us in local language / language understood by me/ us and I/We have understood the entire consent. Credila has informed me/us that my/our Aadhaar submitted herewith shall not be used for any purpose other than mentioned herein or as per requirement of law.

I authorize and give my consent to Credila its channel partners, agencies, service providers, authorized agents and/or affiliates, etc to use my Aadhaar and other related “Information” (as explained above) for the following informed purposes -



Credila has informed me/us that this consent and my/our masked Aadhaar will be stored for producing records and logs of the consent, Information or of authentication, identification, verification etc. will be preserved for evidentiary purposes including before a court of law, any authority or in arbitration along with my/our loan account as per the regulatory guidelines and laws as applicable from time to time.

I/We hereby declare that all the information voluntarily furnished by me/us is true, correct and complete. I/We will not hold Credila or any of its officials responsible in case of any incorrect information provided by me/us.

I/we can withdraw my/our consent to all or any of the purposes at any time by submitting the consent withdrawal form available with the service branch. However, any personal data already processed shall remain unaffected by my/our withdrawal of consent. I/we hereby, confirm that we are aware that such revocation of my/our consent may lead to termination of my account-based relationship and / or other facilities, services availed by me from Credila, its channel partners, agencies, service providers, authorized agents and/or affiliates, etc at the sole discretion of the afore mentioned parties.

If I/we have any related concerns, I/we can contact the Grievance Redressal Officer at grievance@credila.com mentioning details pertaining to the issue.

I/We, give my consent to download my/our KYC Records from the Central KYC Registry (CKYCR), only for the purpose of verification of my/our identity and address from the database of CKYCR Registry. I/We understand that my/our KYC Record includes my/our KYC Records /Personal information such as my/our name, address, date of birth, PAN number etc. I/We, hereby consent for receiving information from Central KYC Registry through SMS/Email on the above registered number/email address.

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