APPENDIX 2
to Cooperation Agreement No [●]
by and between AS Mintos Marketplace
and AASA POLSKA S.A.
Loan Agreement no. [•]
drawn up on
Lender:
Aasa Polska S.A.
ul. Sienna 64
00-825 Warsaw
NIP [Polish Taxpayer ID Number]: 5252528111, registered in the District Court for the Capital
City of Warsaw in Warsaw, 12th Commercial Division of the National Court Register under KRS
number 0000411939
Share capital: PLN 42,000,000 (paid up in full)
Customer:
Amount of loan: PLN [•]
Annual Interest Rate (fixed rate): [•]
Agreement Period:
The Agreement shall be effective from the date of its conclusion to the date of the last instalment repayment provided
for in the repayment schedule. The loan shall be granted for a period of [•] months from the date of the loan payment.
The loan payment date shall be understood by the Parties as the date of crediting the Customer's account with the
loan amount. In the event of the Customer instructing payment of the loan by any payment instrument, cheque or
postal order, the loan payment date shall be understood by the Parties as a date of the funds payment with use of
such payment instrument, cheque or postal order by the Customer.
Number of instalments (monthly): [•]
Principles and deadlines of the loan repayment:
The Customer shall be obligated to repay the loan amount by payment of principal and interest instalments, increased
by the administrative fee and origination fee and any possible additional costs to the Lender's account indicated in the
Agreement in [•] monthly instalments, within the payment deadlines specified under the Agreement and schedule.
Origination fee (payable once): [•]
The origination fee shall be allocated in proportion to the number of loan instalments and paid by the Customer partially
together with each instalment within their payment deadlines. The origination fee covers the costs of preparation of
the loan agreement including but not limited to costs of management, delivery and execution of the loan agreement
at the Customer's place without a necessity to visit the Lender's office, testing the Customer's capability to repay the
loan in order to provide him/her with responsible lending as borne by the Lender.
Administrative fee (monthly): [•]
The administrative fee shall cover the activities connected with administration of the loan agreement account,
monitoring of promptness of loan management, handling of the Customer's applications and contact center services
provided to the Customer together with sending sms messages. The administrative fee shall be paid by the Customer
together with each monthly instalment.
Fee for transfer of the loan amount in a form of Giro Cheque: [•]
The fee payable once together with the first loan instalment in case when a customer decides about the loan payment
in a form of Giro Cheque. Such fee shall not be collected by the Lender but transferred to the Post Office Bank to cover
the costs of loan payment with Giro Cheque. The Customer shall select such payment method voluntarily.
Aasa Polska S.A. | ul. Sienna 64 | 00-825 Warsaw | tel. +48 22 4 600 300. Tel. 601 40 40 40 |e-mail [email protected] | www.aasapolska.pl
NIP [Polish Taxpayer ID Number]: 5252528111, KRS [National Court Register] 0000411939, registered in the District Court for the Capital City of Warsaw in Warsaw 12th Commercial
Division
of the National Court Register, share capital of PLN 42,000,000, (paid up in full)
APPENDIX 2
to Cooperation Agreement No [●]
by and between AS Mintos Marketplace
and AASA POLSKA S.A.
Other terms and conditions of the Agreement:
The Customer shall agree to have the amounts due to the Lender under the previously concluded loan agreements
deducted from the loan granted up to the amount of unpaid and due and payable amounts owed to the Lender.
The Customer shall be obligated to return the loan amount by payment of the due amounts to the following
Lender's account: [•]
The Customer shall be obligated to provide the number of Loan Agreement, to which the repayment
refers in the payment title while repaying the amounts due to the Lender.
Total amount to be payable: [•]
(calculated with assumption that, the Customer pays his/her liabilities within the deadlines specified in the
Agreement).
Total loan amount: PLN [•]
(sum of all funds, which are provided by the Lender to the Customer under the Agreement)
1. The Lender shall undertake to grant a consumer loan, the financial parameters of which were specified above to the
Customer after fulfilment of the conditions provided for in this Agreement and the annual percentage rate is: [•]
(calculated with assumption that, the Customer pays his/her liabilities arising from it within the deadlines specified in
the Agreement).
2. The loan shall be paid by the Lender by transfer to the bank account held by the Customer or by payment transaction
made for a benefit of the Customer with application of the payment instrument selected by the Customer, through
cheque or postal order service. Payment of the loan shall be made by the Lender within seven days from delivery of the
agreement, personally signed by the Customer to the Lender and provision of the documents and information as
specified by the Lender necessary to assess the Customer's creditworthiness to the Lender by the Customer as in the
opinion of the Lender together with other information obtained by the Lender shall be enough basis to make a decision
about the loan payment. The loan shall be paid under the condition of a positive verification of the Customer's
creditworthiness by the Lender. In the event of not making by the Customer of the loan payment transaction with
application of the payment instrument, cheque or postal order within 7 days from leaving the funds under the loan to
the Customer and then return of the funds by payment services provider or issuer of payment instrument, cheque or
postal order to the Lender, the loan agreement shall expire. The Customer shall not bear any costs of return of the
unused loan as referred to in the preceding sentence.
3. In case of failure to meet the conditions of the Loan payment by the Customer, he/she shall be informed of the
reasons for not paying the loan by e-mail and the Agreement shall be terminated within one month from the date
thereof.
4. The Customer shall be obligated to return the loan amount by paying the amounts due and payable to the Lender's
account in monthly instalments according to the schedule, which shall be sent to the Customer after the loan payment.
The approximate schedule prepared as of the date of the Agreement is as follows:
Instal
ment
s
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
Payment
Deadline
Principal
Amount
Interest
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
Origination
Fee
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
Administrati
ve Fee
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
Other
Costs
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
Total
[•]
[•]
[•]
[•]
[•]
[•]
[•]
[•]
The Customer shall have a right to repay the total or part of the loan before the deadline specified in the Agreement at
any time without any additional costs relating to the earlier loan repayment. The Lender shall be obligated to settle the
loan with the Customer within 14 days from the date of making the earlier repayment of the total loan.
Aasa Polska S.A. | ul. Sienna 64 | 00-825 Warsaw | tel. +48 22 4 600 300. Tel. 601 40 40 40 |e-mail [email protected] | www.aasapolska.pl
NIP [Polish Taxpayer ID Number]: 5252528111, KRS [National Court Register] 0000411939, registered in the District Court for the Capital City of Warsaw in Warsaw 12th Commercial
Division
of the National Court Register, share capital of PLN 42,000,000, (paid up in full)
APPENDIX 2
to Cooperation Agreement No [●]
by and between AS Mintos Marketplace
and AASA POLSKA S.A.
5. Interest on the loan shall be calculated from the date of its payment to the Customer at the interest rate indicated
in the Agreement by adopting the real number of days in a month and with assumption that the year is 365 days.
6. The annual interest rate of overdue debt in the event of late by the Customer to repayments under the Agreement
is equal to the maximum rate of interest for the delay referred to in Article. 481 1 § 2 of the Civil Code, i.e. double the
amount of statutory interest for the delay. The current maximum rate of interest for the overdue debt is 14%. The
Lender informs the customer in writing of the current amount of annual interest rate of overdue debt.
7. The Customer shall have a right to receive the repayment schedule free of charge for the entire term of the
Agreement. In order to receive the schedule the Customer shall send an application for sending of the schedule to
the Lender's address.
8. If a due date for the instalment is on the public holiday, the amount shall become payable on the following day
being a business day.
9. The Customer shall be authorized to withdraw from the Agreement within 14 days from the loan payment. In order
to make such withdrawal effective it is required to deliver a declaration personally signed by the Customer, to the
Lender's address, drawn up according to the following template:
„Aasa Polska S.A., address ul. Hrubieszowska 2, 01-209
Warsaw
I hereby withdraw from the Loan Agreement no. [•]"
10. In the event of withdrawal from the Agreement, the Customer shall be obligated to return the amount of the paid
loan within 30 days from making a declaration on withdrawal from the Agreement and paying interest in the amount
of PLN [•] daily for a period from the loan payment to the date of the loan return to the Lender's account indicated to
the Customer for the loan instalment repayment to the Lender.
11. In the event of not returning by the Customer who withdrew from the Agreement, of the loan amount within 30
days from making a declaration on withdrawal from the Agreement, the Customer shall be obligated to return the
paid and not returned loan amount together with interest calculated at the overdue debt rate for each day of default.
12. The Lender's receivables being due and payable under the Agreement shall be collected in the following order:
a) court costs and other enforcement costs;
b) fees and charges;
c) interest on the overdue debts;
d) overdue interest;
e) unpaid principal amount;
f) current interest;
g) current principal amount.
13. In case of the Customer's default on payment of the loan instalments, the Lender shall be entitled to undertake
reminding and debt collection actions according to the order indicated below:
a) call for payment,
b) submitting the case to be covered by collection procedure.
14. The subsequent reminding actions shall be undertaken in the event of confirmation of ineffectiveness of the
previous actions and further Customer's default in payment of his/her liabilities.
15. The Lender may terminate the Agreement for the reasons attributable to the Customer with observance of two
week notice period in the event of the Customer's default in payment of debt under the Agreement for a period
exceeding 60 days. To make the notice effective it is required to submit a notice statement and send it by registered
mail to the residence or mailing address provided by the Customer, however if the postal mail as a result of
impossibility to be delivered - is left in the post office the principles of delivering court letters by advice note shall be
applicable.
16.
The Lender and Customer agree to conclude agreements for loan or amend the binding loan agreements by
declarations of will made by email.
17.
The Lender's declarations of will in an electronic form shall be made via electronic messages confirming
approval of the Customer's application sent via IT system or to the end device (e.g. smart phone) used by the Customer.
Other declarations of will made by the Lender may be communicated in the same manner.
18. The Customer's declarations of will in an electronic form shall be made in the following manner:
Aasa Polska S.A. | ul. Sienna 64 | 00-825 Warsaw | tel. +48 22 4 600 300. Tel. 601 40 40 40 |e-mail [email protected] | www.aasapolska.pl
NIP [Polish Taxpayer ID Number]: 5252528111, KRS [National Court Register] 0000411939, registered in the District Court for the Capital City of Warsaw in Warsaw 12th Commercial
Division
of the National Court Register, share capital of PLN 42,000,000, (paid up in full)
APPENDIX 2
to Cooperation Agreement No [●]
by and between AS Mintos Marketplace
and AASA POLSKA S.A.
a)
The Customer shall log in the Lender internet service made available in order to authenticate the declarations
of will made by the borrowers using their PESEL numbers by providing a four digit PIN number specified in this
Agreement as a password; or
b)
The Customer using a smart phone application, entered in the database of the Lender, shall enter the number
of the Loan Agreement concluded with the Lender in writing which is binding to him/her and then shall provide his/her
PESEL number and a password consisting of four digit PIN number specified in this Agreement; or
c)
The Customer shall send SMS to the Lender's number specified in the internet service www.aasapolska.pl, by
providing his/her PESEL number and PIN specified in this Agreement and providing the appropriate offer and product
codes.
19. In case of mobile phone communication, the Customer's declarations of will concerning conclusion or amendment
to any subsequent loan agreement can be made exclusively from the phone number, which was provided by the
Customer and entered in the database of the Lender while concluding the Loan Agreement or sent by the Customer to
the Lender in a written update notification signed by the Customer.
20. Conclusion or amendment to the Loan Agreement, which would result in obligation of the loan payment made to
a different bank account than the one indicated by the Customer in the Loan Agreement previously concluded with
the Lender in writing, shall require exchange of declarations of will in a written form or else shall be null and void.
21. The Customer shall be obligated to protect the information concerning a manner of making declarations of will
in an electronic form as specified in the Agreement, in particular shall be obligated not to disclose PIN number. The
Customer shall be obligated to inform the Lender in writing or by e-mail of any event which poses a risk of taking
possession of the information referred to in the preceding sentence by any third parties.
22. If any new loan agreement was concluded or amended by declarations of will made in an electronic form, the
Lender shall have a right to require return of the loan according to newly agreed terms and conditions of the agreement
together with interest, administrative fees and costs of granting the loan and other individually agreed costs. The
Lender shall make an information form concerning a consumer credit together with the information required by the
legal regulations available in the internet portal which is in addition sent to the Customer's address. The Customer
shall have a right to withdraw from any newly concluded agreement based on the same terms and conditions as those
provided for in this Agreement. The time limit for withdrawal from any new loan agreement concluded via declarations
of will made in electronic manner shall be calculated from the date of delivery of the confirmation of conclusion of a
new agreement or its amendment to the Customer.
23. In the event of conclusion of a new loan agreement via declarations of will made in electronic manner with
reference to a new loan agreement this Agreement as the agreed contractual template shall be applicable
respectively (also after repayment of the loan granted under this Agreement or its termination as a result of notice).
24. The Customer shall bear the costs of the initiated telephone connections, connections with internet network and
communications with the Lender as well as the costs of financial transactions connected with loan repayment or
return of the funds to the Lender on his/her own.
25. The Customer may terminate the Agreement with immediate effect in the event of the Lender being delayed
with payment of the loan. The Customer may terminate the Agreement with observance of a two week notice period,
however the notice shall be effective under the condition of repayment of all liabilities arising from the Agreement by
the Customer not later than before lapse of the Agreement notice period. It is required to deliver a statement of the
termination notice to the Lender in writing to make the notice effective.
26. The Customer shall be obligated to immediately inform the Lender of any change in his/her personal data, in
particular mailing or residence address, telephone number and e-mail address. In the event of failure to fulfil the
obligation specified in the preceding sentence, the Customer shall be obligated to cover any direct costs connected with
the activities performed by the Lender in order to obtain the information of current personal data of the Borrower in the
amount of the costs actually borne for such purpose.
27. The authority competent in consumer protection matters is the Office of Competition and Consumer Protection.
28. The Agreement shall be governed by Polish law.
29. The Lender informs that:
a) is an administrator of the personal data processed in the scope as provided voluntarily by the Customer in order
to prepare and perform the Agreement,
b) the Customer shall have a right to have access to content of the data concerning him/her as processed by the
Lender, demand its correction or make objection to processing his/her data under the terms and conditions
specified in the regulations of personal data processing principles,
c) the Customer's personal data can be entrusted to the third party in order to perform the activities necessary to
prepare, conclude and perform the Agreement.
30. The Agreement has been drawn up in two identical counterparts, one for each of the Parties.
31. By my signature:
Aasa Polska S.A. | ul. Sienna 64 | 00-825 Warsaw | tel. +48 22 4 600 300. Tel. 601 40 40 40 |e-mail [email protected] | www.aasapolska.pl
NIP [Polish Taxpayer ID Number]: 5252528111, KRS [National Court Register] 0000411939, registered in the District Court for the Capital City of Warsaw in Warsaw 12th Commercial
Division
of the National Court Register, share capital of PLN 42,000,000, (paid up in full)
APPENDIX 2
to Cooperation Agreement No [●]
by and between AS Mintos Marketplace
and AASA POLSKA S.A.
a) I accept the terms and conditions and conclude this Loan Agreement of the above content,
b) I grant my consent to sending by the Lender of the communications to the e-mail address provided by me and
telephone contacts under the telephone number provided by me in connection with performance of the Agreement
and to recording of the telephone conversations with the Lender or made by the Lender as regards performance of
the Agreement,
c) I confirm that before conclusion of the Agreement the Lender delivered an Information Form containing
information of the loan and Lender as required by law to me on a durable carrier.
d) I agree that the Lender shall have a right to have access to my personal data provided by governmental and
self-governmental administration authorities as entered in the population register, PESEL register, register of issued
and invalidated ID cards and other databases to the extent necessary to make by the lender claims relating to the
Agreement for an indefinite period.
e) I agree to AASA Polska S.A. to disclose my personal data connected with the concluded loan agreement in order
to assess the Customer's credit worthiness and for statistical and marketing purposes to AMC III JET B.V.,
Herengracht 424. 1017BZ Amsterdam, the Netherlands, commercial register number: 60163186. Big Data
Scoring AS registered in Estonia, commercial register number 12418058 and to the companies belonging to the
group i.e. Aasa Global Oü, Laeva 2, Tallinn 10111 with its registered office in Estonia and Aasa Oy, Konalantie 6-8
B, 00370 Helsinki, Finland.
f) I agree to my personal data processing by Aasa Polska S.A. and the entities belonging to the group, to which
Aasa Polska S.A. belongs for marketing of the products of such entities and the third parties cooperating with Aasa
Polska S.A.
(Granting of this power of attorney is voluntary, however is a condition of assessment of the Customer's credit
worthiness as required by law and therefore is a condition of conclusion of the Loan Agreement and granting of the
loan.)
32. I hereby grant Aasa Polska S.A. a power of attorney to apply on my behalf to Biuro Informacji Kredytowej S.A. for
disclosure of the information, including the one constituting a banking secret and submit on my behalf the declaration
concerning processing of my personal data of the following content:
I AGREE TO:
1. Transfer of my personal data (enquiry) by Aasa Polska S.A. to Biuro Informacji Kredytowej S.A. with its registered
office in Warsaw to obtain the information concerning me and processed in Biuro Informacji Kredytowej S.A. for
assessment of the creditworthiness and analysis of credit risk and processing for such purpose of my personal data
provided by Aasa Polska S.A. in the enquiry by Biuro Informacji Kredytowej S.A. for a period not longer than 2 years,
including sharing it with banks, institutions which are authorized by law to grant credits, credit institutions and other
entities authorised under the Act of 29 August 1997 Banking Law.
2. Provision of the information concerning my liability under an agreement concluded with Aasa Polska S.A. by
Aasa Polska S.A. to Biuro Informacji Kredytowej S.A. with its registered office in Warsaw and processing of such
information by Biuro Informacji Kredytowej S.A. until cancellation of the consent, however not longer than for 5
years after expiry of the liability in order to assess credit worthiness and analyse credit risk, including sharing it
with banks, institutions which are authorized by law to grant credits, credit institutions and other entities authorised
under the Act of 29 August 1997 Banking Law. This consent also covers sharing of the data concerning me,
processed in Biuro Informacji Kredytowej S.A. for assessment of creditworthiness and analysis of credit risk by
Biuro Informacji Kredytowej S.A. with Aasa Polska S.A. during the term of the agreement concluded with Aasa
Polska S.A.
3. Pursuant to article 24, section 1 of the Act of 9 April 2010 on Disclosure of Economic Information and Exchange
of Economic Data (Journal of Laws, no.81, item 530 as amended) I hereby authorize Aasa Polska S.A. to obtain
from Biuro Informacji Gospodarczej InfoMonitor S.A. with its register office in Warsaw (KRS 0000201192), Krajowy
Rejestr Długów Biura Informacji Gospodarczej SA [KRD Economic Information Bureau] with its registered office in
Wrocław (KRS 0000169851) and Rejestr Dłużników ERIF Biuro Informacji Gospodarczej S.A. [KRD ERIF Economic
Information Bureau] with its registered office in Warsaw (KRS 0000182408) the commercial information about
me and furthermore authorize Aasa Polska S.A. to submit authorization valid for indefinite period of time on my
behalf via Biuro Informacji Gospodarczej InfoMonitor S.A. with its registered office in Warsaw to the Polish Bank
Association to share the economic information processed by such institution to the extent necessary to assess my
payment credibility and creditworthiness.
I confirm to have been informed about the right to have access to my personal data, its correction and freedom of
granting of the above consents as well as a possibility of cancelling them at any time.
Aasa Polska S.A. | ul. Sienna 64 | 00-825 Warsaw | tel. +48 22 4 600 300. Tel. 601 40 40 40 |e-mail [email protected] | www.aasapolska.pl
NIP [Polish Taxpayer ID Number]: 5252528111, KRS [National Court Register] 0000411939, registered in the District Court for the Capital City of Warsaw in Warsaw 12th Commercial
Division
of the National Court Register, share capital of PLN 42,000,000, (paid up in full)
APPENDIX 2
to Cooperation Agreement No [●]
by and between AS Mintos Marketplace
and AASA POLSKA S.A.
(Granting of this power of attorney is voluntary, however is a condition of assessment of the Customer's credit
worthiness as required by law and therefore is a condition of conclusion of the Loan Agreement and granting of the
loan.)
DATE
_____________________________
Aasa Polska S.A.
represented by the
--------------------Date
---------------------------------Customer's signa
CONSUMER CREDIT INFORMATION FORM
1. Full name (business name) and address (registered office) of the creditor or credit intermediary
Creditor
Address:
(registered office)
Identification Details:
(Address to be used by the consumer)
Aasa Polska S.A.
ul. Sienna 64,
00-825 Warsaw,
Telephone number:
(This information is optional)
801 40 40 40
E-mail address: (This information is optional)
[email protected]
Fax number:
(This information is optional)
+48224869430
Web address:
(This information is optional)
www.aasapolska.pl
Credit intermediary:*
Identification Details:
(Address to be used by the consumer)
not applicable
not applicable
Address:
(registered office)
Telephone number:
(This information is optional)
Not applicable
E-mail address: (This information is optional)
Not applicable
Fax number:
(This information is optional)
Web address:
(This information is optional)
Not applicable
Not applicable
2. Description of the main features of the credit product
Type of credit
Consumer loan
The total amount of credit
The total sums of the funds to be made
available to you
[•]
Aasa Polska S.A. | ul. Sienna 64 | 00-825 Warsaw | tel. +48 22 4 600 300. Tel. 601 40 40 40 |e-mail [email protected] | www.aasapolska.pl
NIP [Polish Taxpayer ID Number]: 5252528111, KRS [National Court Register] 0000411939, registered in the District Court for the Capital City of Warsaw in Warsaw 12th Commercial
Division
of the National Court Register, share capital of PLN 42,000,000, (paid up in full)
APPENDIX 2
to Cooperation Agreement No [●]
by and between AS Mintos Marketplace
and AASA POLSKA S.A.
Dates and the manner of the credit drawdown
How and when you will obtain the money.
The loan shall be paid by the Lender by transfer to the Customer's bank
account or by paying the loan in cash, depending the Customer's
instruction, with execution by the Customer of the specific payment
instrument, cheque or postal order within 7 days from delivery of a copy
of the Agreement signed personally by the Customer to the Lender and
provision the Lender not later than within seven days from delivery of a
copy of the Agreement with the documents and information specified by
the Lender, necessary to assess the credit risk by the Customer, which
together with other information obtained by the Lender, shall be in the
opinion of the Lender enough basis for taking a decision on the loan
payment. The loan shall be paid under the condition of a positive
verification of a credit risk relating to the Customer by the Lender.
The duration of the credit agreement
[•] months.
The principles governing the credit repayment and repayment - You will have to make repayments under the following conditions: The
deadlines
Customer shall be obligated to return the loan amount by payment of the
due amounts to the Lender's account in equal monthly instalments
according to the schedule to be sent to the Customer after the loan
payment.
the amount, number and frequency of consumer credit instalment
repayments: [•] monthly instalments of [•]
interest or charges will be payable in the following manner:
Payable within monthly deadlines together with each principal amount
instalment. The amounts due to the Lender under the Loan Agreement
shall be collected in the following order:
1. court costs and other enforcement procedure costs;
2. fees and charges;
3. interest on overdue debts;
4. overdue interest;
5. the unpaid principal amount;
6. current interest;
7. current principal amount.
The total amount payable by the consumer
This means the total amount of all funds made available to
you by the creditor and all costs to be borne by you under the
credit/loan agreement
PLN [•]
The aforementioned total amount includes:
- the principal amount: [•]
- origination fee PLN [•]
- administrative fee PLN [•]
- interest on the loan amount (according to the loan repayment
schedule) PLN [•]
The credit linked to the supply of specific goods or
the provision of a service or to be granted in the form
of a deferred payment*
— description of good or service: not applicable
— price: not applicable
not applicable
Aasa Polska S.A. | ul. Sienna 64 | 00-825 Warsaw | tel. +48 22 4 600 300. Tel. 601 40 40 40 |e-mail [email protected] | www.aasapolska.pl
NIP [Polish Taxpayer ID Number]: 5252528111, KRS [National Court Register] 0000411939, registered in the District Court for the Capital City of Warsaw in Warsaw 12th Commercial
Division
of the National Court Register, share capital of PLN 42,000,000, (paid up in full)
APPENDIX 2
to Cooperation Agreement No [●]
by and between AS Mintos Marketplace
and AASA POLSKA S.A.
- type of sureties:
Sureties required*
No securities or sureties shall be required
The security to be provided by you in relation to the
credit agreement
Information if the credit agreement provides for a guarantee of Not applicable
repayment of the total amount of credit drawn down under the
provisions thereof*
If according to the provisions of the credit/loan agreement, the
payments made by you are not credited as repayment of the
total amount of credit but are used to collect the principal
amount during periods and under conditions laid down in the
credit agreement or any ancillary agreement, then such credit
agreement shall not provide for a guarantee of repayment of
the total amount of credit drawn down under the provisions
thereof.
3.
Costs of the credit
The borrowing rate and the conditions under which it can be
changed
- borrowing rate: [•] on annual basis
- fixed or variable rate with reference rate applicable to the original
interest rate: fixed rate
- all interest rates applicable in the term of the agreement:: not
applicable
(If the credit/loan agreement provides for different interest rates in
specific periods of the agreement duration)
Annual Percentage Rate (APR)
This is the total credit cost payable by the consumer
expressed as an annual percentage of the total amount of
credit. The APR is there to help you compare different offers
of credit.
annual percentage rate: [•]
representative example: [•] of the loan for [•] months, without
insurance or surety
the assumptions used for calculating the annual percentage rate:
fixed interest rate, the customer repays the loan within the deadlines
The obligation to conclude an ancillary contract
Is it compulsory, in order to obtain the credit, to conclude an
ancillary contract by you, in particular insurance agreement
or another ancillary contract.
- obligation to conclude an ancillary contract, in particular
insurance contract:
type of insurance and the cost thereof: not applicable
obligation to use an ancillary service:
type of ancillary service and the cost thereof: not applicable
Other costs relating to the loan except for the loan interest, already
included in the space: "Total amount to be payable":
- origination fee (payable once) in the amount of PLN [•]payable in
equal parts within the interest payment deadlines;
- administrative fee in the amount of PLN [•]monthly, i.e. in total PLN
Related costs to be payable by you in connection with the
credit/loan agreement*
[•]
Costs of maintaining one or more accounts in order to make Not applicable
both payment transactions and drawdowns*
Costs for using credit cards*
Not applicable
Not applicable
Any other costs payable by the consumer under the
agreement*
Conditions under which the costs related to the credit Not applicable
agreement can be changed*
Notary’s fees*
Not applicable
Aasa Polska S.A. | ul. Sienna 64 | 00-825 Warsaw | tel. +48 22 4 600 300. Tel. 601 40 40 40 |e-mail [email protected] | www.aasapolska.pl
NIP [Polish Taxpayer ID Number]: 5252528111, KRS [National Court Register] 0000411939, registered in the District Court for the Capital City of Warsaw in Warsaw 12th Commercial
Division
of the National Court Register, share capital of PLN 42,000,000, (paid up in full)
APPENDIX 2
to Cooperation Agreement No [●]
by and between AS Mintos Marketplace
and AASA POLSKA S.A.
The consequences of missing payments
Missing payments could have the following
consequences for you:
In case of the Customer's default on repayment of the loan instalments,
you may be charged with the maximum rate of interest for the delay
referred to in Article. 481 1 § 2 of the Civil Code i.e. double the amount of
statutory interest for the delay. The current maximum rate of interest for
the overdue debt is 14%.
4. Other important information:
Yes
Withdrawal from the agreement
You have the right to withdraw from the agreement within 14
days of its conclusion:
Yes
Early repayment
You have the right to repay the credit early at any time in full
or partially.
Creditor's entitlement to reserve the right to commission
in case of early credit repayment*
Consultation of a database
If the creditor rejects your application for consumer credit
based on the consultation of database, the creditor should
immediately inform you of the results thereof and of the
particulars of the database consulted on free of charge basis.
In the event of early repayment you shall bear the following costs:
not applicable
You will be checked based on consultation of a database of: Biuro
Informacji Gospodarczej InfoMonitor S.A. with its register office in Warsaw,
Krajowy Rejestr Długów Biura Informacji Gospodarczej SA [KRD Economic
Information Bureau] with its registered office in Wrocław, Biuro Informacji
Kredytowej S.A. with its registered office in Warsaw and Rejestr Dłużników
ERIF Biuro Informacji Gospodarczej S.A. [KRD ERIF Economic Information
Bureau] with its registered office in Warsaw and through the agency of
Biuro Informacji Gospodarczej InfoMonitor S.A. in the database of the
Polish Bank Association.
Aasa Polska S.A. | ul. Sienna 64 | 00-825 Warsaw | tel. +48 22 4 600 300. Tel. 601 40 40 40 |e-mail [email protected] | www.aasapolska.pl
NIP [Polish Taxpayer ID Number]: 5252528111, KRS [National Court Register] 0000411939, registered in the District Court for the Capital City of Warsaw in Warsaw 12th Commercial
Division
of the National Court Register, share capital of PLN 42,000,000, (paid up in full)
APPENDIX 2
to Cooperation Agreement No [●]
by and between AS Mintos Marketplace
and AASA POLSKA S.A.
Right to receive a draft credit agreement
You have the right to obtain a copy of the draft credit agreement free of
You have the right, upon request, to obtain a copy of the draft charge.
consumer credit agreement free of charge if in the opinion of
the Creditor you fulfil the conditions of being granted a
consumer credit.
The period of time during which the form is binding*
This information is valid from its issue date up to 7 days from the date of
delivery of a copy of the loan agreement signed by the Lender.
5. Additional information provided in case of distance sale of financial services
a)
Creditor’s details
Creditor:*
Address:
(registered office)
Telephone number:
(This information is optional)
Identification Details:
(Address to be used by the consumer)
Aasa Polska S.A.
ul. Sienna 64,
00-825 Warsaw,
801 40 40 40
E-mail address: (This information is optional)
¡[email protected]
Fax number:
(This information is optional)
+48224869430
Web address* (This information is optional)
www.aasapolska.pl
Register*
KRS 0000411939
District Court for the Capital City of Warsaw in Warsaw, 12th
Commercial Division of the National Court Register
President of the Office of Competition and Consumer
Protection Plac Powstańców Warszawy 1 00-825 Warsaw
The supervisory authority*
Aasa Polska S.A. | ul. Sienna 64 | 00-825 Warsaw | tel. +48 22 4 600 300. Tel. 601 40 40 40 |e-mail [email protected] | www.aasapolska.pl
NIP [Polish Taxpayer ID Number]: 5252528111, KRS [National Court Register] 0000411939, registered in the District Court for the Capital City of Warsaw in Warsaw 12th Commercial
Division
of the National Court Register, share capital of PLN 42,000,000, (paid up in full)
APPENDIX 2
to Cooperation Agreement No [●]
by and between AS Mintos Marketplace
and AASA POLSKA S.A.
b) information concerning the agreement
Withdrawal from the agreement*
Governing law chosen*
The credit agreement concluded with you shall be governed
by:
Clause stipulating the governing law applicable to the credit
agreement*
Language of the agreement*
c) information concerning appeals
Out-of-court dispute resolution
— You have the right to withdraw from the agreement:
— a manner to withdraw from the agreement: declaration
— time period: 14 days
— consequences: return of the total amount of the loan with
contractual interest calculated until the date of effective return
Polish law
Indication of a relevant clause of the agreement:
clause 21 of the loan agreement
With your consent, we intend to communicate in Polish during the
term of the credit agreement.
— You have the right to out-of-court dispute resolution: not applicable
— The principles of access to out-of-court dispute resolution
procedure
* The creditor or credit intermediary must fill in the appropriate box if the information is relevant to the credit product or indicate if
the information is not relevant for type of the credit considered.
Aasa Polska S.A. | ul. Sienna 64 | 00-825 Warsaw | tel. +48 22 4 600 300. Tel. 601 40 40 40 |e-mail [email protected] | www.aasapolska.pl
NIP [Polish Taxpayer ID Number]: 5252528111, KRS [National Court Register] 0000411939, registered in the District Court for the Capital City of Warsaw in Warsaw 12th Commercial
Division
of the National Court Register, share capital of PLN 42,000,000, (paid up in full)