1. IMPORTANT NOTICE

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Aroon Fintech Private Limited (“Aroon Fintech”, “Aroon”, “we”, “us” or “our”) is a company incorporated under the laws of India and operates as an independent financial consulting, advisory and capital-arranging company.

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Aroon Fintech assists businesses, companies, promoters, project sponsors and other eligible clients in evaluating, structuring and accessing potential sources of capital and financial solutions.

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Our activities may include, depending on the nature of the engagement and applicable law:

• financial consulting;

• capital advisory;

• capital arranging;

• debt advisory;

• loan syndication;

• project finance advisory;

• structured finance advisory;

• corporate finance advisory;

• working capital advisory;

• asset and equipment finance advisory;

• trade finance advisory;

• private capital and fundraising advisory;

• debt and equity capital introductions;

• refinancing and recapitalisation advisory;

• strategic finance advisory; and

• related transaction-support and coordination services.

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Aroon Fintech does not itself represent that it is a bank, deposit-taking institution, lender, finance company, investment fund, securities dealer, broker-dealer, investment firm, payment institution, insurer or other regulated financial institution in every jurisdiction.

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The precise nature of Aroon Fintech's activities, regulatory status and permissions may differ depending on the jurisdiction, transaction, client type, financial product and applicable law.

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2. INDEPENDENT ADVISORY AND CAPITAL-ARRANGING ROLE

Unless expressly stated otherwise in writing, Aroon Fintech acts as an independent adviser and capital arranger and does not itself provide financing from its own balance sheet.

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Our role may include:

• understanding a client's capital requirements;

• reviewing business and transaction information;

• assisting with financing strategy;

• evaluating potential financing structures;

• identifying potentially relevant capital sources;

• preparing or coordinating transaction information;

• facilitating introductions;

• coordinating communications;

• assisting with due diligence processes;

• supporting negotiations and transaction coordination; and

• providing other advisory or arranging services agreed with the client.

Aroon Fintech does not guarantee that any financing, investment or transaction will be completed.

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3. NO GUARANTEE OF FUNDING

Submission of an enquiry, application, business plan, financial information, financing request or capital-raising proposal does not constitute:

• approval of financing;

• an offer of financing;

• a commitment to invest;

• a commitment to lend;

• an offer of securities;

• a guarantee of funding;

• a guarantee of investment;

• a guarantee of a particular interest rate;

• a guarantee of valuation;

• a guarantee of financing terms; or

• a guarantee that a transaction will close.

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Any financing or investment proposal remains subject to the independent assessment and approval of the relevant lender, investor, financial institution or other capital provider.

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4. INDEPENDENT CAPITAL PROVIDERS

Aroon Fintech may work with or introduce clients to independent third-party capital providers, which may include:

• banks;

• financial institutions;

• commercial lenders;

• private lenders;

• private credit funds;

• debt funds;

• investment funds;

• institutional investors;

• family offices;

• private equity firms;

• venture capital firms;

• strategic investors;

• asset finance providers;

• equipment finance providers;

• trade finance providers;

• project finance providers;

• factoring and receivables finance providers;

• alternative finance providers; and

• other appropriately authorised financial or investment institutions.

Each capital provider is responsible for independently determining whether it is permitted to provide its products or services to a particular client in a particular jurisdiction.

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5. INDEPENDENT DECISION-MAKING

Any lender, investor, financial institution or other capital provider introduced to a client may independently conduct:

• credit assessment;

• underwriting;

• financial analysis;

• investment assessment;

• KYC;

• AML screening;

• sanctions screening;

• fraud checks;

• legal due diligence;

• tax review;

• valuation;

• risk assessment;

• affordability or repayment assessment;

• collateral assessment; and

• other regulatory or commercial checks.

The relevant capital provider makes its own final decision.

Aroon Fintech does not control or guarantee the decision of any independent capital provider.

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6. REGULATORY STATUS

Unless expressly stated on the relevant country-specific website, engagement letter, regulatory disclosure or other written documentation:

Aroon Fintech:

• is not a bank;

• does not accept deposits from the public;

• does not operate as a deposit-taking institution;

• does not itself lend from its own balance sheet;

• does not guarantee loans or investments;

• does not guarantee returns;

• does not hold client funds for the purpose of making loans or investments;

• does not provide regulated securities dealing services in its own capacity;

• does not provide regulated investment management in its own capacity;

• does not provide regulated payment services in its own capacity; and

• does not undertake any regulated activity in a jurisdiction where the necessary authorisation, licence, registration, exemption or other lawful basis is required but unavailable.

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The fact that Aroon Fintech may discuss, arrange, introduce, facilitate or coordinate a financial product does not by itself mean that Aroon Fintech is the provider, issuer, lender, investor or regulated manufacturer of that product.

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7. JURISDICTIONAL LIMITATIONS

Financial services regulation is jurisdiction-specific.

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A service that is lawful and unregulated in one country may require a licence, registration, exemption, regulatory approval, local representative, authorised partner or other permission in another country.

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Accordingly:

• not every service is available in every country;

• not every financial product is available in every jurisdiction;

• not every capital provider can serve every jurisdiction;

• eligibility requirements may differ by country;

• local regulatory requirements may restrict certain communications or introductions;

• additional disclosures may be required for particular products;

• certain client categories may be excluded;

• certain transactions may require local professional advisers; and

• Aroon may decline to provide or facilitate a service where doing so could breach applicable law.

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8. LOCAL REGULATORY REQUIREMENTS

Aroon Fintech intends to conduct its activities only to the extent permitted by applicable law.

Where a particular activity requires:

• a financial services licence;

• securities registration;

• lending authorisation;

• investment advisory authorisation;

• broker-dealer registration;

• capital markets authorisation;

• credit intermediary authorisation;

• financial promotion approval;

• appointed representative status;

• local registration;

• regulatory exemption; or

• another form of regulatory permission,

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Aroon Fintech will not undertake that regulated activity unless an appropriate legal basis exists.

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Where appropriate, the relevant activity may instead be conducted by, or through, an appropriately authorised third-party institution or other legally permitted arrangement.

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9. CAPITAL RAISING AND INVESTMENT ACTIVITIES

Capital raising involving shares, securities, investment interests, funds, notes, bonds, convertible instruments or other investment products may be subject to securities and financial-services laws.

Aroon Fintech does not represent that it is authorised to:

• offer securities;

• sell securities;

• deal in securities;

• underwrite securities;

• manage investment portfolios;

• operate an investment fund;

• provide regulated investment advice;

• solicit investments; or

• perform other regulated capital-markets activities

in every jurisdiction.

Where an activity requires authorisation, registration, exemption or another legal basis, the activity will only be undertaken where the applicable requirements are satisfied.

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10. TRANSACTION-BASED COMPENSATION

Aroon Fintech may, depending on the applicable engagement and law, receive:

• advisory fees;

• consulting fees;

• arrangement fees;

• success-based fees;

• referral fees;

• commissions;

• retainers;

• other transaction-related compensation; or

• other commercially agreed remuneration.

The applicable commercial arrangement will be governed by the relevant engagement letter, mandate, agreement or other written documentation.

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Where applicable law requires disclosure, consent, registration, licensing or restrictions concerning transaction-based compensation, Aroon Fintech will comply with those requirements or will structure its activities accordingly.

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Clients should request clarification regarding applicable fees and compensation before entering into a transaction.

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11. POTENTIAL CONFLICTS OF INTEREST

Because Aroon Fintech may work with multiple capital providers and may receive compensation under different commercial arrangements, potential conflicts of interest may arise.

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Aroon may therefore:

• work with multiple financing sources;

• receive compensation from a client;

• receive compensation from a capital provider where legally permitted;

• have commercial relationships with financing providers;

• advise different clients seeking similar forms of capital; or

• have other commercial relationships relevant to a transaction.

Aroon Fintech will seek to manage conflicts in accordance with applicable law and its contractual obligations.

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Where a material conflict requires disclosure, Aroon will provide appropriate disclosure to the extent required.

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12. NO PREFERENCE OR GUARANTEE OF A PARTICULAR PROVIDER

The presence of a capital provider, lender, investor or financial institution on or through Aroon Fintech's network does not constitute:

• an endorsement;

• a guarantee;

• a recommendation;

• a representation of solvency;

• a representation of suitability;

• a representation of regulatory status; or

• a guarantee of the provider's products or services.

Clients should conduct their own assessment and obtain independent professional advice where appropriate.

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13. FINANCIAL PRODUCTS AND TERMS

Information regarding financial products may include indicative or illustrative information concerning:

• financing amounts;

• interest rates;

• fees;

• repayment periods;

• security;

• collateral;

• eligibility;

• investment structures;

• valuation;

• expected returns;

• transaction structures; or

• other commercial terms.

Such information is not necessarily a binding offer.

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Actual terms are determined by the relevant capital provider and may change following:

• underwriting;

• due diligence;

• credit assessment;

• valuation;

• documentation;

• legal review;

• market conditions;

• regulatory requirements; or

• other circumstances.

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14. NO FINANCIAL, INVESTMENT, LEGAL OR TAX GUARANTEE

Information published by Aroon Fintech is provided for general informational, consulting or advisory purposes.

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Unless expressly stated otherwise under a specific written engagement and permitted by applicable law, information provided by Aroon Fintech should not be interpreted as:

• legal advice;

• tax advice;

• accounting advice;

• regulated investment advice;

• personal financial advice;

• securities advice;

• an offer or solicitation to purchase securities;

• an offer or solicitation to provide financing; or

• a guarantee regarding the outcome of any transaction.

Clients should obtain independent legal, tax, accounting, investment and other professional advice where appropriate.

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15. UNITED STATES

Services relating to the United States are provided only to the extent permitted by applicable federal and state law.

Aroon Fintech is not, by virtue of this website or its general activities:

• a federally insured bank;

• a US credit union;

• a US deposit-taking institution;

• a US lender originating loans in its own name;

• a US broker-dealer;

• a US investment adviser; or

• another US-regulated financial institution,

unless expressly stated otherwise for a particular Aroon entity or arrangement.

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US financing may be provided by independent banks, commercial lenders, private credit providers, equipment finance companies, factoring companies and other appropriate providers.

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Where securities or investment capital is involved, activities may be subject to federal and state securities laws.

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Aroon Fintech will not undertake activities requiring US broker-dealer, investment adviser or other regulatory registration unless the required registration, exemption, association or other lawful basis applies.

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Particular care will be taken where activities involve investor solicitation, securities transactions, negotiation, execution or transaction-based compensation.

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US users should not assume that Aroon Fintech is registered with the Securities and Exchange Commission (“SEC”) or any state securities regulator unless expressly confirmed.

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16. UNITED KINGDOM

Services relating to the United Kingdom are subject to applicable UK legislation and regulatory requirements.

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Aroon Fintech is not, solely by operating this website or providing general consulting services:

• a UK bank;

• a deposit-taking institution;

• an FCA-authorised lender;

• an FCA-authorised investment firm; or

• an FCA-authorised financial adviser,

unless expressly stated otherwise.

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Certain financial activities and financial promotions in the UK are subject to regulatory restrictions. Financial promotions can include websites, emails, advertisements and other communications, and regulated activities generally require an appropriate authorisation or exemption.

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Where an activity requires authorisation, Aroon Fintech will only undertake it where an appropriate authorisation, exemption, appointed-representative arrangement, authorised partner arrangement or other lawful basis exists.

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An Introducer Appointed Representative, for example, can only undertake the activities permitted under its applicable arrangement with its principal.

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Aroon Fintech does not claim FCA authorisation unless expressly identified on the relevant regulatory disclosure.

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17. EUROPEAN UNION / EUROPEAN ECONOMIC AREA

Services relating to the European Union and European Economic Area are subject to applicable EU legislation and the national laws of individual Member States.

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Aroon Fintech is not, solely by operating this website, an EU credit institution, deposit-taking institution, investment firm or other regulated financial institution.

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Where a particular activity requires authorisation or registration in an EU/EEA jurisdiction, Aroon Fintech will undertake that activity only where the applicable regulatory requirements are satisfied.

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Local requirements may differ between Member States.

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Aroon Fintech may therefore restrict particular products, transactions, clients or activities in specific EU/EEA jurisdictions.

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18. INDIA

Aroon Fintech Private Limited is incorporated in India.

Unless expressly disclosed otherwise, Aroon Fintech is:

• not a bank;

• not an NBFC;

• not a deposit-taking institution;

• not a lender providing loans from its own balance sheet; and

• not a regulated financial institution providing banking or lending products in its own capacity.

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Where financing is arranged or introduced, the relevant financial product may be provided by an independent bank, NBFC, financial institution or other authorised provider.

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Where Aroon operates in connection with a regulated entity as a service provider, referral partner, sourcing partner or other intermediary, the activities will be subject to the applicable contractual and regulatory framework.

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Indian regulated entities remain responsible for their own regulatory obligations where they engage third-party service providers or digital platforms. RBI guidance, for example, states that outsourcing does not remove the regulated entity's obligations.

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Aroon Fintech does not claim registration or authorisation with the Reserve Bank of India or any other Indian regulator unless expressly stated.

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19. SINGAPORE

Services relating to Singapore are subject to Singapore law and the requirements of the Monetary Authority of Singapore (“MAS”) where applicable.

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Aroon Fintech is not, solely by operating this website:

• a Singapore-licensed bank;

• a deposit-taking institution;

• a finance company; or

• a holder of a Capital Markets Services licence,

unless expressly stated.

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Certain activities, including activities involving corporate finance and capital markets products, may require regulatory licensing or an applicable exemption. MAS identifies advising on corporate finance and other specified capital-markets activities among activities for which a CMS licence may be required.

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Aroon Fintech will only undertake such regulated activities where an applicable licence, exemption, authorised representative arrangement or other lawful basis exists.

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20. HONG KONG

Services relating to Hong Kong are subject to applicable Hong Kong laws and regulatory requirements.

Aroon Fintech is not, solely by operating this website:

• a Hong Kong licensed bank;

• a deposit-taking institution;

• a licensed securities intermediary; or

• a regulated financial institution,

unless expressly stated.

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Where activities require authorisation from the Hong Kong Monetary Authority, Securities and Futures Commission or another competent authority, such activities will only be undertaken where the applicable authorisation or other lawful basis exists.

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21. AUSTRALIA

Services relating to Australia are subject to applicable Australian federal and state laws.

Aroon Fintech is not, solely by operating this website:

• an Australian authorised deposit-taking institution;

• an Australian bank;

• an Australian credit provider; or

• an Australian financial services licensee,

unless expressly stated.

Where an Australian Credit Licence, Australian Financial Services Licence or other authorisation is required, Aroon Fintech will only undertake the relevant regulated activity where the necessary legal basis exists.

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22. MIDDLE EAST AND GULF JURISDICTIONS

Services relating to the Middle East and Gulf region are subject to the laws and regulatory requirements of the relevant jurisdiction.

This includes, where applicable, jurisdictions such as:

• United Arab Emirates;

• Saudi Arabia;

• Qatar;

• Bahrain;

• Kuwait;

• Oman; and

• other Middle Eastern jurisdictions.

Regulatory requirements may differ substantially between jurisdictions and between mainland and financial-free-zone regimes.

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Aroon Fintech does not claim to be licensed by the:

• Central Bank of the UAE;

• Dubai Financial Services Authority;

• Abu Dhabi Global Market Financial Services Regulatory Authority;

• Saudi Central Bank;

• Capital Market Authority;

• Qatar Financial Centre Regulatory Authority;

• Central Bank of Bahrain; or

• any other Middle Eastern regulator,

unless expressly stated for the relevant Aroon entity or service.

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Where a local licence or regulatory approval is required, the relevant activity will only be undertaken where an appropriate legal basis exists.