T&Cs for GUARANTOR Instalment & Bond Loans

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1 T&Cs for GUARANTOR Instalment & Bond Loans 1. INTERPRETATION TERMS AND CONDITIONS 1.1. In these Terms and Conditions, the words "you'" and "your" refer to the Debtors who have entered into this Loan Agreement The words "we", "us" and "our" refer to the Creditor, Jeremy Lawrence Limited t/a JL Money, 17 Ensign House, Admirals Way, Canary Wharf, London E14 9XQ References to "Guarantor" in this Loan Agreement are to the individual nominated by you to provide us with personal security, and who will act as our guarantor and indemnifier. The references to Guarantor are for convenience and ease of reference only, such references are not intended to negate the creation of a guarantee and indemnity. 2. YOUR OBLIGATIONS 2.1. You accept that it is a condition of the Loan Agreement that you nominate an individual to act as your Guarantor to secure your obligations under this Loan Agreement. You request that the Creditor enters the Guarantee and Indemnity Agreement with your nominated Guarantor We will pay the Amount of Credit into a bank account nominated by you on the execution of this Loan Agreement and the execution of the Guarantee and Indemnity Agreement by your Guarantor You confirm that: You are over the age of 18; You are a UK permanent resident; You hold a UK Bank current account; You are employed on a full, part-time or self-employed basis; You received your last salary payment on your last payday; Your last payday occurred within the period beginning 30 days before the date of your loan application ( the Loan Application ); You have no reason to believe that your future salary or other income payments will not be paid to you on or before the scheduled repayment dates, into the bank account ( the Debtor's Account ) specified by you in the Loan Application; You have a valid bank debit card ( the Debtor's Debit Card ) which you have nominated for us to use for the purposes of repaying this Loan and which is acceptable to us; If the Debtor's Account is a joint bank account, you have individual, full and unrestricted authority to nominate such Account and any debit card nominated by you in the Loan Application for the purposes of these Terms and Conditions;

2 You authorise us to debit the amounts payable by you on the scheduled repayment dates and any other fees and charges that you may incur under this Loan Agreement to the Debtor's Debit Card; You understand and agree that we may try to obtain payment of any sum owed by you under this Loan Agreement which you fail to make from your nominated Guarantor; We may accept representations and statements about your circumstances from the Guarantor and rely on these when considering the operation of your account; You confirm that you are not currently in and are not anticipating entering into: a debt management plan, an individual voluntary arrangement or any other debt relief process including bankruptcy; You confirm that you are not under notice of redundancy or termination of your employment contract and have no intention of leaving your current employment; You have provided us with complete and accurate information Unless otherwise provided in this Loan Agreement, all payments will be applied first to interest charges due under this Loan Agreement, then to any applicable fees and charges, and then to the Amount of Credit You grant us permission to contact your employer (as specified by you in the Loan Application under the section entitled "Employment Information") at any time as may be reasonably required by us to confirm the fact of your employment only You grant us permission to contact your nominated Guarantor as specified in your Loan Application to verify their understanding of their personal responsibilities in respect of your Loan Agreement and in respect of yours, or your Guarantor's, repayment performance under the Loan Agreement You must inform us immediately of any changes to your bank details or employment details, or of any other changes in circumstances which may affect your ability to make payments under this Loan Agreement Repayments will be made by Direct Debit or Debit Card Payment on the scheduled repayment dates. 3. REPAYMENT AND CONTINUOUS PAYMENT AUTHORITY 3.1. When you enter into this Loan Agreement you provide us with a continuous payment authority (CPA) so that we can collect repayments automatically from your bank account using the debit card you nominate for this purpose. We will notify you by , SMS text or telephone call at least five days before attempting to take payment on the scheduled repayment date, to remind you when repayment is due Your nominated Debit Card will be electronically debited on the scheduled repayment date, for the amount of the repayment due together with any applicable fees and charges as imposed in accordance with the terms of this Loan Agreement. We shall only debit the Account for the amounts expressly set out in this Loan Agreement (namely the principal outstanding, interest accrued, and any fees and charges) and on the date or dates as expressly set out in this Loan Agreement unless otherwise specifically agreed with you after the loan has been issued, for example as part of a payment plan.

3 3.3. If the first repayment transaction fails, then we will make a further attempt on the following day to make sure we have not missed your salary deposit. The attempt will be for Total Amount Due. Where we cannot obtain the amount outstanding on the due date, we will make immediate attempts on that day and the following days to contact you by phone, and/or text message and find out why you have been unable to meet your repayment obligations. We urge you to contact us as soon as possible to explain any repayment difficulties and avoid incurring unnecessary fees and charges. If you are experiencing financial hardship we will show forbearance and work with you to agree an alternative resolution Where we cannot obtain the amount outstanding on the scheduled repayment date, we will make immediate attempts on that day and the following days to contact you by phone, and/or text message and find out why you have been unable to meet your repayment obligations. We urge you to contact us as soon as possible to explain any repayment difficulties and avoid incurring unnecessary fees and charges. If you are experiencing financial hardship we will show forbearance and work with you to agree an alternative resolution Where we cannot obtain the amount outstanding on the scheduled repayment date, and in the event that following default on the loan: (a) (b) (c) (d) reasonable attempts to contact you fail; you unreasonably refuse to agree a date on which payment can be made; you unreasonably refuse to agree to a payment plan; and/or you provide false information, We will continue with our collection procedures which may, after every avenue has been exhausted, include legal action against you or your guarantor We may be able to repay any amounts we have taken using the CPA where we can see evidence that this has caused you to fall into financial difficulty or to miss priority debts such as rent, mortgage payments or utility bills Your Guarantor is subject to the same collection procedures if you do not repay your loan To cancel this CPA you may contact your bank directly. Alternatively, you may ask us to cancel it in writing, either by post to 17 Ensign House, Admirals Way, Canary Wharf, London E14 9XQ or by to Please be aware that, if you do cancel, you will still owe any outstanding debt and you will need to find an alternative method of payment on the scheduled repayment date to avoid going into default If you have opted to repay your loan by direct debit you payments will be requested every month from your nominated bank account To cancel this Direct Debit you may contact your bank directly. Alternatively, you may ask us to cancel it in writing, either by post to 17 Ensign House, Admirals Way, Canary Wharf, London E14 9XQ or by to Please be aware that, if you do cancel, you will still owe any outstanding debt and you will need to find an alternative method of payment on the due date to avoid going into default. If you do not make payment of the amounts payable on your

4 scheduled repayment dates, you will be liable to pay interest on the overdue amount at the interest rate shown above until the outstanding balance is repaid In the event that the date or dates set out in this Loan Agreement should fall on a Saturday, Sunday, or a public holiday, then payment may be taken on the next available business day. 4. DATA PROTECTION 4.1. The information we collect from you is used by us to assess your creditworthiness and the affordability of your account, to manage your account and to make collections; it is also used to contact consumers for marketing purposes; it is disclosed by us when legally required to do so at the request of government authorities conducting an investigation; we also use it to verify or enforce compliance with the policies governing our website and applicable laws or to protect against misuse or unauthorised use of our website We shall disclose a copy of this Loan Agreement to your nominated Guarantor when the Guarantor executes the Guarantee and Indemnity Agreement and if it is requested at any other time. We may also disclose information relating to the status of your Loan Agreement to your Guarantor at any time, in accordance with our obligations under the Consumer Credit Act 1974 or otherwise in accordance with our responsible lending policies. This includes but is not limited to, disclosing statements relating to your repayment performance, the sums paid and those which remain outstanding, the repayment dates and any notices that are served upon you in relation to any default or arrears under this Loan Agreement. You agree that we may do so In considering whether to enter into this Loan Agreement, we may search your (and your Guarantor's) record(s) at credit reference agencies ("CRAs"). They will add to their records about you, details of our search and your application to their records about you (and your Guarantor). This will be seen by other organisations that make searches. Our search of records at CRAs may be linked to your spouse/partner, or other persons with whom you are linked financially. For the purposes of any application or this Loan Agreement you may be treated as financially linked and you will be assessed with reference to "associated records" We may also add to your records with the CRAs details of your agreement(s) with us, the payments you make under it and any default or failure to keep to its terms. These records will be shared with other organisations and may be used and searched by us and them in order to: Consider applications for credit and credit related services such as insurance for you and any associated person; Prevent or detect money laundering and fraud; Trace debtors or recover debts; and Manage your accounts It is important that you provide us with accurate information. We may check your details with fraud prevention agencies ("FPAs") and if you provide false or inaccurate information or we suspect fraud, this information may be recorded. FPAs records will be shared with other organisations to help make decisions on credit, motor, household, life and other insurance proposals or claims for you and members of your household.

5 4.6. Please write to us at 17 Ensign House, Admirals Way, Canary Wharf, London E14 9XQ, or telephone us on if you require details of the CRAs or any other agencies from whom we obtain, and whom we pass, information about you. You have a legal right to these details. You have the right to receive a copy of the information we hold about you if you apply to us in writing. A small statutory fee will be payable If you have opted-in to receive marketing from ourselves and third parties at the time of making your application, we and other carefully selected third parties, may use your information to inform you by post, fax, telephone or other electronic means about other products and services which we believe may be of interest to you You may opt-out of receiving marketing communications from us at any time by contacting us in writing at Jeremy Lawrence Limited t/a JL Money, 17 Ensign House, Admirals Way, Canary Wharf, London E14 9XQ If you opt-out of our use of your data for marketing purposes, we will honour such choice once we have had a reasonable opportunity to process your request. We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other enquiry Your data will remain on file for 6 years after our files with your information are closed, whether your loan is settled by you or your Guarantor, or if it is in default This is a condensed version of how we deal with your information. Further and fuller information is provided in our Privacy Policy, which is available on request, or can be found at 5. RESPONSIBLE LENDING 5.1. We are committed to responsible lending. It is important that you do not take on more borrowing than you can afford. You should not rely on us having recourse to your Guarantor. Remember, if you run into difficulties with your repayments, please contact us immediately. We will treat you sympathetically and positively and may be able to freeze the interest and default fees and charges. We may also be able to repay any amounts we have taken using CPA where we can see evidence that this has caused you to fall into financial difficulty or to miss priority debts such as rent, mortgage payments or utility bills We uphold the overarching principles of consumer protection and fair business practice in our consumer credit business by ensuring that they are entrenched in our business policies and procedures. As part of our adherence to these policies, we will only lend an amount of credit that we are reasonably satisfied that you, in your own right, without regard to the Guarantor, are able to repay, including any fees and charges We consider each lending decision individually on the basis of what we know about your circumstances, based on the information you have provided to us, and your credit and repayment history We strictly observe the requirement to undertake due diligence on all our customers, this means we will not complete any transaction and pay out funds until we are sure we know who you and your Guarantor, actually are, in accordance with the provisions of the Money Laundering Regulations 2007 and associated legislation We operate a transparent, fixed charging policy - there are no hidden fees or charges, so you know how much you (or your Guarantor) will repay before committing to the loan and related agreements. Details of our fees and charges are in this Loan

6 6. COMPLAINTS Agreement and further information regarding fees and charges is available on request, or on our website at If you have a complaint, please contact us by telephone on , by at or by post addressed to 17 Ensign House, Admirals Way, Canary Wharf, London E14 9XQ and we will investigate it and give any redress to which we feel you are entitled If you are not happy with our final response, you may have a right to have your complaint dealt with by the Financial Ombudsman Service ("FOS"). To do so, you should contact FOS within 6 months of our final response to your complaint. You may write to FOS at the following address: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. 7. REGULATORY INFORMATION 7.1. We are registered by the United Kingdom's Registrar of Companies as Jeremy Lawrence Limited t/a JL Money, under company number Our main business is consumer lending We are regulated by the Financial Conduct Authority under the Consumer Credit Act 1974 for the conduct of consumer credit business. Our Consumer Credit Licence Number is We currently hold interim permission We are registered with the Information Commissioner in compliance with the Data Protection Act Our registration number is Z MISCELLANEOUS 8.1. If we do not enforce our rights under this Loan Agreement at any time, or delay doing so, we will not be prevented from doing so later Any notice or demand we give will be assumed to have been properly given if served on you personally, or left or sent by prepaid envelope addressed to you at your current address or last known business or private address or sent by to an address provided by you. If sent by first class post it will be assumed to have been received by you 48 hours after posting We may transfer or assign all or any of our rights under this Loan Agreement without your consent but if we do so you will be informed of this You confirm that you have received a document/sheet explaining your guarantor loan agreement and the pre-contract Standard European Consumer Credit Information This Loan Agreement shall be construed according to the laws of England and Wales, or Scotland if you reside there, whose courts shall be the exclusive courts of jurisdiction over any claim or matter arising under or in connection with this Loan Agreement The contractual terms and conditions, and the prior information, are in English. We undertake, with your agreement, to communicate with you in English during the duration of this Loan Agreement. If any court or competent authority finds that any provision of this Loan Agreement (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision shall, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of this Loan Agreement shall not be affected. If any invalid, unenforceable or illegal provision of this

7 agreement would be valid, enforceable and legal if some part of it were deleted, the provision shall apply with the minimum modification necessary to make it legal, valid and enforceable.

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