Hero Fincorp Ltd. offers Term Loan (“Unsecured Personal Loan”) through Hero FinCorp – Instant personal loan (“HIPL”), which constitutes a mobile app journey or a web journey. HIPL is wholly owned and operated by Hero Fincorp Ltd. The mobile and web journey of HIPL enable seamless onboarding journey for unsecured personal loans to borrowers through system(s) built / operated by Hero FinCorp Ltd. Approval of the above-mentioned facility / term loan is solely at Hero FinCorp Ltd.’s discretion. Collections of borrowers onboarded through the HIPL are undertaken through the Hero Fincorp Collection team(s) and processes under the approved Collection policies of Hero FinCorp Ltd.