Loan Agreement

LOAN AGREEMENT

Between Invar Chrysos (the Lender) and the Borrower.

1. Loan Details
The Lender agrees to advance the agreed Principal Amount.

2. Interest
Flat interest of 20% on the Principal Amount for the Agreed Period.

3. Repayment
Full repayment (Principal + 20% interest) by the end of the Agreed Period.

4. Penalty Interest
Failure to pay on time will attract penalty interest charged monthly on the principal.

5. Agreement Formation
This Agreement becomes binding upon signature or permission to receive funds.

6. Important
By accepting, you confirm you have read and understood all terms including AML/FIA obligations.