This Loan Offer Agreement (the "Agreement") is made on the {{$loan["letter_date"]}} by and between:

1. Oxygen ECommerce Solutions Limited (hereinafter referred to as the "Lender"), whose registered address is 2, Olugbesan Close, Allen Avenue, Ikeja, Lagos

and

2. {{$customer["addressing_name"]}} (hereinafter referred to as the "Borrower"), whose registered address is {{ucwords($customer["address"])}}, {{ucwords($customer["city"])}}, {{ucwords($customer["state"])}}, Nigeria.

The Lender agrees to provide the Borrower with a loan subject to the terms and conditions stated in this Agreement.

1.1. The Loan Amount is NGN {{number_format($loan["amount"],2)}}

1.2. A Management Fee of NGN {{number_format($loan["management_fee"],2)}} will be deducted upfront, resulting in a disbursed amount of NGN {{number_format($loan["disbursed_amount"],2)}}

1.3. The Loan shall be disbursed to the Borrower's provided bank account upon signing this Agreement.

2.1. The Loan shall be repaid in {{$loan["duration"]}} equal monthly instalments of NGN {{$loan["repayment"]}}

2.2. The Loan Schedule Above contains the schedule for payment in terms of dates and respective amount to pay

2.3. Payments should be made to the Lender's designated account as communicated to the Borrower.

3.1. A grace period of two ({{$loan["default_grace"]}}) calendar days is allowed for each repayment.

3.2. If the Borrower fails to make repayment within {{$loan["default_grace"]}} days after the repayment due date, a default charge of 5% of the outstanding amount will be applied.

3.3. Default charges shall continue to accrue monthly on the outstanding amount until full payment is made.

4.1. To ensure that monthly repayments are made on or before the due date.

4.2. To provide the Lender with accurate contact information and promptly update any changes.

5.1. Failure to make repayments in accordance with the terms specified in this Agreement.

5.2. Any fraudulent or misleading information provided by the Borrower during the Loan application process.

6.1. In the event of default, the Lender reserves the right to:

6.1.1. Demand immediate repayment of the entire outstanding Loan amount and accrued charges.

6.1.2. Report the default to relevant credit bureaus or regulatory authorities.

6.1.3. Institute legal proceedings to recover the Loan amount and associated costs.

By signing this Agreement, the Borrower confirms that they have read, understood, and agreed to the terms and conditions herein.

This Supplementary Collateral Agreement ("Agreement") is made and entered into on the {{$loan["letter_date"]}}, by and between Oxygen Ecommerce Solutions Limited ("Lender") and {{$customer["addressing_name"]}}, ("Borrower"). This Agreement supplements the existing Loan Agreement dated the {{$loan["letter_date"]}} ("Loan Agreement") executed between the parties.

The Borrower agrees to provide the following tangible assets as collateral ("Collateral") to secure the loan:

• {{$loan["collateral_type"]}}: {{$loan["collateral_details"]}}

The Borrower shall deposit the gold assets with the Lender, who will secure them in a designated custody location for the duration of the loan term.

The Lender will insure the gold assets while in custody, with the cost of insurance to be borne by the Borrower

a. Grace Period: If the Borrower fails to repay the loan by the maturity date specified in the Loan Agreement, a grace period of one (1) month will be granted from the maturity date.

b. Right to Liquidate: Should the Borrower fail to fulfill their repayment obligation by the end of the grace period, the Borrower hereby grants the Lender the authority to liquidate the Collateral immediately, without requiring additional consent from the Borrower or court order. The collateral may be liquidated by auction or private treaty without any corresponding obligation on the Lender to sell the collateral at full value.

c. Application of Proceeds: Proceeds from the sale of the Collateral will be applied to the outstanding loan balance, including any accrued interest and fees including the liquidation cost. Any surplus funds if any will be returned to the Borrower, while any deficiency will remain the Borrower's responsibility.

a. Amendments: Any amendments to this Agreement must be in writing and signed by both parties.

b. Governing Law: This Agreement shall be governed by and construed in accordance with the laws of Nigeria.

c. Severability: If any provision of this Agreement is found to be unenforceable, the remaining provisions shall remain in full force and effect.

IN WITNESS WHEREOF, the parties have executed this Supplementary Collateral Agreement as of the day and year first above written.