SBM Zero Interest Medical Loan

Verifie 3 Oct 2026

Waiver on processing fees and ledger fees

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026 · Paz 1

For a smarter tomorrow TERMS AND CONDITIONS SPECIFIC TO ZERO INTEREST MEDICAL LOAN SCHEME We agree to be bound by the specific conditions of the Zero Interest Medical Loan Scheme: 1. This Scheme is applicable to households, whose gross income does not exceed Rs 200,000/- per month, and who chooses to undergo treatment in a licensed private hospital in Mauritius. 2. This Scheme is applicable to Mauritian Citizens residing in the Republic of Mauritius for at least six months prior to the treatment, unless he has been away for treatment, vacation, business or education. The onus to provide factual information on the reasons for overseas travel within the 6 months period prior to the treatment, rests with the Beneficiary/Borrower. 3. The loan amount to be granted under this scheme will be subject to assessment of the credit worthiness of the Borrower and in line with the Bank's credit policy and will be capped to a maximum of Rs 1 million per treatment. 4. "The maximum repayment period for the purpose of this scheme shall be seven (7) years (i.e., eighty-four (84) months) inclusive of the moratorium period. A moratorium period of up to one (1) year may apply on the capital repayment only." 5 The interest rate payable by the borrower under this scheme is zero (0) % per annum. 6 "In event the Borrower exceeds ninety (90) days of default in repayment: a. t he Borrower shall be indebted to the Bank in terms of capital, interest and any other applicable charges that may be applied at the sole discretion of the Bank. The Bank shall also exercise its right as per the terms of the facility agreement b. t he Borrower will not benefit from the Zero interest even if the Borrower repays the arrears amount and the commercial interest rate as at date shall apply." 7 The loan under this Scheme shall be used solely to finance treatments/ operations in Licensed private hospital except for the following items: 1. cosmetic surgery; 2. hair transplantation; 3. liposuction; and 4. a ny other diseases as may be approved by the Ministry of Health and Wellness and Association of Private Clinics. This exclusion list may be amended from time to time. 8. " The Scheme shall not cover cost of any accompanying persons except for patients under the age of 12 years. The onus to provide documentary evidence relies with the Guardian/Parent/Accompanying person." 9. A Beneficiary shall obtain a medical certificate from a Medical Practitioner certifying that the Beneficiary requires to undergo a treatment. This medical certificate is to be submitted to the bank upon application for a loan under this scheme. 10. The Beneficiary shall obtain a quotation from a Licensed private hospital for onward submission to the bank upon application for a loan under this scheme. The Licensed private hospital shall ensure that the proposed treatment is eligible to be financed under this Scheme and shall specify same in the said quotation. 11. Upon receipt of all required documents by the Borrower(s), the bank shall issue an in-principle approval to the Borrower if all assessment criteria as per the Bank's policies are met and if the borrower/beneficiary is eligible under this scheme. 12. The Bank shall disburse the loan amount to the Licensed private hospital/s upon submission of the final certified bills by the Beneficiary or the Borrower and subject to all disbursement conditions being met. 13. In the event, the final amount of the treatment exceeds the loan amount as stipulated in the loan facility agreement, the Borrower/Beneficiary should pay the excess amount directly to the concerned Private Hospital. 14. The Bank shall not charge any other charges/commissions and fees by whatever name on the medical loan/s except for fees external to the Bank such as insurance, valuation of property, registration fees, MCIB fees, or such other applicable fees which shall be borne by the Borrower/Beneficiary prior to disbursement of the loan. 15. In event of death of Borrower (where the Borrower is not the Beneficiary) prior to disbursement of loan, the Bank shall not proceed with the disbursement of loan but will instead convert the loan on succession of the decujus and thereafter assess their creditworthiness. 1 of 2

Dokiman: SBM linked_442f91038b9c

Seksion dokiman: Medical scheme: eligibility, repayment, exclusions, defaults and external fees

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026

SBM Zero Interest Medical Loan

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026

https://banking.sbmgroup.mu/loans/sbm-zero-interest-medical-loan

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026

The SBM Zero Interest Medical Loan is a special scheme which has been designed in collaboration with the Ministry of Health & Wellness and select Private Hospitals to provide relief to citizens of Mauritius undergoing treatment in private hospitals in Mauritius. The key feature of this product is that it is interest-free throughout the entire tenor of the loan. Processing fees and ledger fees are also waived on this special scheme. The Zero Interest Medical Loan can be secured against a Personal Guarantee or against any other collateral acceptable by the Bank. Key Features 0% interest rate applicable throughout the whole tenor of the loan Minimum loan amount of MUR 50,000 Up to 100% financing of cost of treatment with a maximum of MUR 1,000,000 per treatment Loan Repayment period of up to 7 years including an optional moratorium period of 1 year Waiver on processing fees and ledger fees Who can benefit from the Zero Interest Medical Loan? This scheme is open to individuals meeting the following eligibility criteria: Mauritian citizens residing in the Republic of Mauritius for at least six months prior to the treatment unless he/she has been away for treatment, vacation, business, or education, AND Total household (husband and wife jointly, or single parent) gross income of Beneficiary does not exceed MUR 200,000 per month. Terms & Conditions specific to the Zero Interest Medical Loan ( Click here ) General Terms and Conditions for Loan Facilities ( Click here ) Beneficiary (the person undergoing the treatment): Original Medical certificate from a Certified Medical Practitioner certifying that the Beneficiary requires to undergo a treatment Original Quotation for treatment from one of the Licensed Private Hospitals participating in this scheme National Identity Card of Beneficiary or Birth Certificate of Beneficiary if Beneficiary is a minor Evidence that total household (husband and wife jointly, or single parent) gross income of Beneficiary does not exceed MUR 200,000 per month Original Final Certified Bill from Licensed Private Hospital participating in the scheme (upon completion of treatment at concerned Private Hospital) Borrower (the person(s) taking the loan on behalf of the beneficiary): National Identity Card of Borrower(s)/Personal Guarantor Recent proof of address of Borrower(s)/Personal Guarantor (utility bill – MT, CWA or CEB), not older than 3 months Bank statements of the last 3 months for existing Borrower(s)/Personal Guarantor / Bank statements of the last 6 months for new-to-bank customers For Salaried Borrower(s) /Personal Guarantor: Salary slips of Borrower(s) of the last 3 months For self-employed Borrower(s) /Personal Guarantor: Latest tax returns and receipts / confirmation of income tax filing Details of trading income and expenditure Life Insurance policy in the name of Borrower(s) (will be requested following loan approval, prior to disbursement) Additional documents required if loan is secured by a Fixed Charge on property: National Identity Card of owners Birth Certificate of owners Marriage Certificate of owners (if applicable) Divorce Certificate of owners (if applicable) Site plan of property offered as security Affidavit (duly registered and transcribed) Title Deed (duly registered and transcribed)

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026

The SBM Zero Interest Medical Loan is a special scheme which has been designed in collaboration with the Ministry of Health & Wellness and select Private Hospitals to provide relief to citizens of Mauritius undergoing treatment in private hospitals in Mauritius. The key feature of this product is that it is interest-free throughout the entire tenor of the loan. Processing fees and ledger fees are also waived on this special scheme. The Zero Interest Medical Loan can be secured against a Personal Guarantee or against any other collateral acceptable by the Bank. Key Features 0% interest rate applicable throughout the whole tenor of the loan Minimum loan amount of MUR 50,000 Up to 100% financing of cost of treatment with a maximum of MUR 1,000,000 per treatment Loan Repayment period of up to 7 years including an optional moratorium period of 1 year Waiver on processing fees and ledger fees Who can benefit from the Zero Interest Medical Loan? This scheme is open to individuals meeting the following eligibility criteria: Mauritian citizens residing in the Republic of Mauritius for at least six months prior to the treatment unless he/she has been away for treatment, vacation, business, or education, AND Total household (husband and wife jointly, or single parent) gross income of Beneficiary does not exceed MUR 200,000 per month. Terms & Conditions specific to the Zero Interest Medical Loan ( Click here ) General Terms and Conditions for Loan Facilities ( Click here ) Beneficiary (the person undergoing the treatment): Original Medical certificate from a Certified Medical Practitioner certifying that the Beneficiary requires to undergo a treatment Original Quotation for treatment from one of the Licensed Private Hospitals participating in this scheme National Identity Card of Beneficiary or Birth Certificate of Beneficiary if Beneficiary is a minor Evidence that total household (husband and wife jointly, or single parent) gross income of Beneficiary does not exceed MUR 200,000 per month Original Final Certified Bill from Licensed Private Hospital participating in the scheme (upon completion of treatment at concerned Private Hospital) Borrower (the person(s) taking the loan on behalf of the beneficiary): National Identity Card of Borrower(s)/Personal Guarantor Recent proof of address of Borrower(s)/Personal Guarantor (utility bill – MT, CWA or CEB), not older than 3 months Bank statements of the last 3 months for existing Borrower(s)/Personal Guarantor / Bank statements of the last 6 months for new-to-bank customers For Salaried Borrower(s) /Personal Guarantor: Salary slips of Borrower(s) of the last 3 months For self-employed Borrower(s) /Personal Guarantor: Latest tax returns and receipts / confirmation of income tax filing Details of trading income and expenditure Life Insurance policy in the name of Borrower(s) (will be requested following loan approval, prior to disbursement) Additional documents required if loan is secured by a Fixed Charge on property: National Identity Card of owners Birth Certificate of owners Marriage Certificate of owners (if applicable) Divorce Certificate of owners (if applicable) Site plan of property offered as security Affidavit (duly registered and transcribed) Title Deed (duly registered and transcribed)

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026

Minimum loan amount of MUR 50,000

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026

maximum of MUR 1,000,000 per treatment

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026

up to 7 years including an optional moratorium period of 1 year

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026

0% interest rate applicable throughout the whole tenor of the loan

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026

0% interest rate applicable throughout the whole tenor of the loan

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026

0% interest rate applicable throughout the whole tenor of the loan

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026

0% interest rate applicable throughout the whole tenor of the loan

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026

Waiver on processing fees and ledger fees

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026 · Paz 2

For a smarter tomorrow TERMS AND CONDITIONS SPECIFIC TO ZERO INTEREST MEDICAL LOAN SCHEME (Cont'd) Applicant Name: ………………………………………..................................................................................................................................................... Signature: ………………………………………................................. Date : ………………………………….. Joint Applicant Name: ………………………………………..................................................................................................................................................... Signature: ………………………………………................................. Date : ………………………………….. 2 of 2

Dokiman: SBM linked_442f91038b9c

Seksion dokiman: Medical scheme: eligibility, repayment, exclusions, defaults and external fees

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026

The SBM Zero Interest Medical Loan is a special scheme which has been designed in collaboration with the Ministry of Health & Wellness and select Private Hospitals to provide relief to citizens of Mauritius undergoing treatment in private hospitals in Mauritius. The key feature of this product is that it is interest-free throughout the entire tenor of the loan. Processing fees and ledger fees are also waived on this special scheme. The Zero Interest Medical Loan can be secured against a Personal Guarantee or against any other collateral acceptable by the Bank. Key Features 0% interest rate applicable throughout the whole tenor of the loan Minimum loan amount of MUR 50,000 Up to 100% financing of cost of treatment with a maximum of MUR 1,000,000 per treatment Loan Repayment period of up to 7 years including an optional moratorium period of 1 year Waiver on processing fees and ledger fees Who can benefit from the Zero Interest Medical Loan? This scheme is open to individuals meeting the following eligibility criteria: Mauritian citizens residing in the Republic of Mauritius for at least six months prior to the treatment unless he/she has been away for treatment, vacation, business, or education, AND Total household (husband and wife jointly, or single parent) gross income of Beneficiary does not exceed MUR 200,000 per month. Terms & Conditions specific to the Zero Interest Medical Loan ( Click here ) General Terms and Conditions for Loan Facilities ( Click here ) Beneficiary (the person undergoing the treatment): Original Medical certificate from a Certified Medical Practitioner certifying that the Beneficiary requires to undergo a treatment Original Quotation for treatment from one of the Licensed Private Hospitals participating in this scheme National Identity Card of Beneficiary or Birth Certificate of Beneficiary if Beneficiary is a minor Evidence that total household (husband and wife jointly, or single parent) gross income of Beneficiary does not exceed MUR 200,000 per month Original Final Certified Bill from Licensed Private Hospital participating in the scheme (upon completion of treatment at concerned Private Hospital) Borrower (the person(s) taking the loan on behalf of the beneficiary): National Identity Card of Borrower(s)/Personal Guarantor Recent proof of address of Borrower(s)/Personal Guarantor (utility bill – MT, CWA or CEB), not older than 3 months Bank statements of the last 3 months for existing Borrower(s)/Personal Guarantor / Bank statements of the last 6 months for new-to-bank customers For Salaried Borrower(s) /Personal Guarantor: Salary slips of Borrower(s) of the last 3 months For self-employed Borrower(s) /Personal Guarantor: Latest tax returns and receipts / confirmation of income tax filing Details of trading income and expenditure Life Insurance policy in the name of Borrower(s) (will be requested following loan approval, prior to disbursement) Additional documents required if loan is secured by a Fixed Charge on property: National Identity Card of owners Birth Certificate of owners Marriage Certificate of owners (if applicable) Divorce Certificate of owners (if applicable) Site plan of property offered as security Affidavit (duly registered and transcribed) Title Deed (duly registered and transcribed)

Dokiman: SBM medical

Seksion dokiman: Reviewed SBM product terms

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026 · Paz 1

For a smarter tomorrow GENERAL TERMS AND CONDITIONS FOR LOAN FACILITIES We agree to be bound by the standard conditions of SBM Bank (Mauritius) Ltd (the "Bank/SBM") : 1 I /We declare that to the best of my/our knowledge and belief the particulars set out in this application are true and correct and that no information which might affect the decision of the Bank has been withheld. I/We hereby agree to abide by the rules and regulations of the bank. 2. I/We hereby authorise the Bank to contact my/our employer/s to inquire on my/our employment details including salaries. 3. I /We understand that the Bank of Mauritius has, in the exercise of the powers conferred upon it by law, established a Central Credit Bureau, the “Mauritius Credit Information Bureau” (MCIB), to collect credit information from banks regarding the credit facilities which they grant to their customers in order to enable any bank which approached for a credit facility by a customer to obtain credit information from MCIB regarding any credit facilities granted to that customer by other banks. I/We further understand that: a. T he Bank will, as part of its appraisal process of the present application access MCIB to seek information on credit facilities provided to me/us by other banks, banks, and I/we authorise the Bank to do so. b. I t will be a term of the credit facility applied for, if granted, that information regarding it shall be given to MCIB for the use of MCIB and other banks. c. I /We have the right to request from the MCIB information on what has been registered in my/our name in the MCIB. The information so collected will be kept in strict confidence by MCIB and the banks concerned. d. T he Bank reserves the right to accept or not to entertain my application for banking facilities at its sole discretion without assigning any reason whatsoever. 4. I/We authorise the Bank to debit my/our account with respect to fees, as applicable (refer to Tariff Guide on our website www.sbmbank.com. 5. I /We formally declare and undertake to disclose to SBM Bank (Mauritius) Ltd in writing any subsequent credit facility that may be applied for by me from or granted to me by any other lending institution. 6. I/We unreservedly certify having taken cognizance of the terms and requirements of the Borrower Protection Act 2007. I/We formally declare and undertake to: a. Disclose to SBM Bank (Mauritius) Ltd in writing any subsequent credit facility that may be applied for by me/us or granted to me/us by any other lending institution. b. I mmediately inform SBM Bank (Mauritius) Ltd and my/our guarantor(s), if any, should I/we be unable to repay any instalment due to the bank, and give reasons therefor and seek the concurrence of SBM Bank (Mauritius) Ltd regarding arrangements for the payment of the instalment in default. c. disclose in writing - (i) a ll other outstanding credit facilities already granted to me/us and details of any other liabilities, terms of repayment, amount still outstanding, or any instalments in arrears; (ii) my/ouraveragemonthly expenses; (iii) particulars of my/our monthly income; and (iv) such other relevant information which SBM Bank (Mauritius) Ltd reasonably requires 7. I/We (Borrower/s) further undertake to immediately inform SBM Bank (Mauritius) Ltd and my guarantor(s), if any, should I be unable to repay any instalment due to the Bank or to any other lending institution 8. By signing and agreeing to the terms of this form, I/We am/are giving my/our your consent to disclose my/our personal data, including information about my/our account/s and transactions to : a. Any company or entity within the SBM group (whether within or outside Mauritius) and other parties which intervene in the business relationship such as processing centres and credit information bureaus. b. Subcontractors, suppliers or agents on the understanding they will keep my/our personal data confidential. However I/we will not be liable if they breach confidentiality. c. Any person who may assume or acquire our rights; or d. Where required by law or regulation. 9. The Bank may have recourse to various IT systems including but not limited to credit scoring systems and profiling systems for marketing purposes in order to process and obtain automated decisions based on my/our personal data provided by me/us to the Bank. These automated systems facilitate in identifying the suitability of the Bank's product and service offering to us. 10. Where I/We have consented to receiving marketing materials from the Bank, SBM and any other entity within the SBM group may use my/our information to inform me/us by telephone, text message, email or letter of the Bank's products or services which the Bank believe may be of interest to me/us. 11. We understand that a copy of the above terms and conditions may be made available to me/us upon request. The Bank may amend its terms and conditions at any time and it will inform me/us of any changes through email, letter, notices in its branches or offices or on its website or ATMs. 1 of 2

Dokiman: SBM linked_7df32b84719b

Seksion dokiman: Linked official terms / applicable conditions (not a guaranteed financial benefit)

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026 · Paz 2

For a smarter tomorrow GENERAL TERMS AND CONDITIONS FOR LOAN FACILITIES (Cont'd) 12. By signing this form I/We agree to the above terms : a. I/We acknowledge that I have read and understood the contents b. I/We confirm that the personal data provided is complete and accurate c. I/We acknowledge that the Bank will not be liable for any unauthorised disclosure of my/our personal data by a third party unless I/we have been negligent d. I/We provide my/our consent on the terms above. Applicant Name: ………………………………………..................................................................................................................................................... Signature: ………………………………………................................. Date : ………………………………….. Joint Applicant Name: ………………………………………..................................................................................................................................................... Signature: ………………………………………................................. Date : ………………………………….. 2 of 2

Dokiman: SBM linked_7df32b84719b

Seksion dokiman: Linked official terms / applicable conditions (not a guaranteed financial benefit)

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026 · Paz 1

Special Zero interest Medical Loan Scheme SN Official Registered Name of Clinic 1 Nouvelle Clinique du Bon Pasteur Ltee 2 La Clinique Mauricienne 3 Chisty Shifa Clinic 4 Clinique Ferriere de Bon Secours 5 C Care Wellkin 6 C Care Darné 7 City Clinic Limited City Clinic Group 8 Grand Bay Medical & Diagnostic Centre Ltd City Clinic Group 9 Pajr Medical Ltd Ex Clinic Muller 10 Medisave Company Ltd 11 Aegle Clinic 12 Aegle Cancer Hospital 13 Jyoti's Clinic Ltd Ex Clinic Du Nord 14 Care and Science Health Diagnostic Ltd Forbach 15 Life Together Medical Clinic Ltd 16 Les Mariannes Wellness 17 RGT (Healthcare) Ltd 18 Falcon Healthcare Group

Dokiman: SBM linked_3e54d0a7987e

Seksion dokiman: Linked official terms / applicable conditions (not a guaranteed financial benefit)

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026 · Paz 1

For a smarter tomorrow GENERAL TERMS AND CONDITIONS FOR LOAN FACILITIES We agree to be bound by the standard conditions of SBM Bank (Mauritius) Ltd (the "Bank/SBM") : 1 I /We declare that to the best of my/our knowledge and belief the particulars set out in this application are true and correct and that no information which might affect the decision of the Bank has been withheld. I/We hereby agree to abide by the rules and regulations of the bank. 2. I/We hereby authorise the Bank to contact my/our employer/s to inquire on my/our employment details including salaries. 3. I /We understand that the Bank of Mauritius has, in the exercise of the powers conferred upon it by law, established a Central Credit Bureau, the “Mauritius Credit Information Bureau” (MCIB), to collect credit information from banks regarding the credit facilities which they grant to their customers in order to enable any bank which approached for a credit facility by a customer to obtain credit information from MCIB regarding any credit facilities granted to that customer by other banks. I/We further understand that: a. T he Bank will, as part of its appraisal process of the present application access MCIB to seek information on credit facilities provided to me/us by other banks, banks, and I/we authorise the Bank to do so. b. I t will be a term of the credit facility applied for, if granted, that information regarding it shall be given to MCIB for the use of MCIB and other banks. c. I /We have the right to request from the MCIB information on what has been registered in my/our name in the MCIB. The information so collected will be kept in strict confidence by MCIB and the banks concerned. d. T he Bank reserves the right to accept or not to entertain my application for banking facilities at its sole discretion without assigning any reason whatsoever. 4. I/We authorise the Bank to debit my/our account with respect to fees, as applicable (refer to Tariff Guide on our website www.sbmbank.com. 5. I /We formally declare and undertake to disclose to SBM Bank (Mauritius) Ltd in writing any subsequent credit facility that may be applied for by me from or granted to me by any other lending institution. 6. I/We unreservedly certify having taken cognizance of the terms and requirements of the Borrower Protection Act 2007. I/We formally declare and undertake to: a. Disclose to SBM Bank (Mauritius) Ltd in writing any subsequent credit facility that may be applied for by me/us or granted to me/us by any other lending institution. b. I mmediately inform SBM Bank (Mauritius) Ltd and my/our guarantor(s), if any, should I/we be unable to repay any instalment due to the bank, and give reasons therefor and seek the concurrence of SBM Bank (Mauritius) Ltd regarding arrangements for the payment of the instalment in default. c. disclose in writing - (i) a ll other outstanding credit facilities already granted to me/us and details of any other liabilities, terms of repayment, amount still outstanding, or any instalments in arrears; (ii) my/ouraveragemonthly expenses; (iii) particulars of my/our monthly income; and (iv) such other relevant information which SBM Bank (Mauritius) Ltd reasonably requires 7. I/We (Borrower/s) further undertake to immediately inform SBM Bank (Mauritius) Ltd and my guarantor(s), if any, should I be unable to repay any instalment due to the Bank or to any other lending institution 8. By signing and agreeing to the terms of this form, I/We am/are giving my/our your consent to disclose my/our personal data, including information about my/our account/s and transactions to : a. Any company or entity within the SBM group (whether within or outside Mauritius) and other parties which intervene in the business relationship such as processing centres and credit information bureaus. b. Subcontractors, suppliers or agents on the understanding they will keep my/our personal data confidential. However I/we will not be liable if they breach confidentiality. c. Any person who may assume or acquire our rights; or d. Where required by law or regulation. 9. The Bank may have recourse to various IT systems including but not limited to credit scoring systems and profiling systems for marketing purposes in order to process and obtain automated decisions based on my/our personal data provided by me/us to the Bank. These automated systems facilitate in identifying the suitability of the Bank's product and service offering to us. 10. Where I/We have consented to receiving marketing materials from the Bank, SBM and any other entity within the SBM group may use my/our information to inform me/us by telephone, text message, email or letter of the Bank's products or services which the Bank believe may be of interest to me/us. 11. We understand that a copy of the above terms and conditions may be made available to me/us upon request. The Bank may amend its terms and conditions at any time and it will inform me/us of any changes through email, letter, notices in its branches or offices or on its website or ATMs. 1 of 2

Dokiman: SBM linked_1e05f3acac55

Seksion dokiman: Linked official terms / applicable conditions (not a guaranteed financial benefit)

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.

Verifie 3 Oct 2026 · Paz 2

For a smarter tomorrow GENERAL TERMS AND CONDITIONS FOR LOAN FACILITIES (Cont'd) 12. By signing this form I/We agree to the above terms : a. I/We acknowledge that I have read and understood the contents b. I/We confirm that the personal data provided is complete and accurate c. I/We acknowledge that the Bank will not be liable for any unauthorised disclosure of my/our personal data by a third party unless I/we have been negligent d. I/We provide my/our consent on the terms above. Applicant Name: ………………………………………..................................................................................................................................................... Signature: ………………………………………................................. Date : ………………………………….. Joint Applicant Name: ………………………………………..................................................................................................................................................... Signature: ………………………………………................................. Date : ………………………………….. 2 of 2

Dokiman: SBM linked_1e05f3acac55

Seksion dokiman: Linked official terms / applicable conditions (not a guaranteed financial benefit)

Seksion sit: Individual / Loans

Sime navigasion labank: Individual → Loans

Telesarze 3 Oct 2026, 12:02. An viger depi: Pa presize.