RULES FOR THE PRODIGY FINANCE REFERRAL PROGRAMME

By participating in the Prodigy Finance Referral Campaign (the “Referral Programme”), you agree to be bound by these official rules (“Rules”) and our Privacy Policy. THIS REFERRAL PROGRAMME IS VOID IN JURISDICTIONS WHERE IT IS PROHIBITED.

The promoter of the Referral Programme is Prodigy Finance Ltd (incorporated in England with company number 05912562), with its registered address at 85 Great Portland Street, London, W1W 7LT, United Kingdom ("Prodigy Finance").

1. Eligibility to participate in the Referral Programme

Referrer:

To be eligible to participate in the Referral Programme as a Referrer,

1. you must have one disbursed loan finalised from 1 January 2024 onwards with Prodigy Finance and you were an Indian resident at the time of application for the loan. Exclusion: If your loan account is in arrears, you will be ineligible to participate in the Referral Programme; or

2. you must be an Indian resident student having an active loan application with Prodigy Finance and paid the processing fee of USD 500. Restriction: Additional limits apply on the number of successful referrals that will qualify for the referral awards for this eligibility criteria (see below).

Applicants with withdrawn and cancelled loan applications, or settled loans are not eligible to participate in the Referral Programme.

Referral credits may only be applied as a credit towards the outstanding balance of an active Prodigy Finance loan and cannot be used to make scheduled loan repayments or instalments.

To qualify for referral rewards, you must either have a finalised loan in good standing (on schedule, within the grace period, or ahead of due repayments) or have an active loan application with the processing fee paid. Loans that are settled or behind on payments are not eligible for referral credits.

Current employees and agents of Prodigy Finance or any of its subsidiaries or affiliated companies and their immediate families and members of their households and anyone otherwise connected with operation or fulfillment of the Referral Programme may not participate in the Referral Programme and shall not be eligible to receive referral awards.

Referee:

To be eligible to participate in the Referral Programme as a Referee, you will need to be a new borrower who has not previously submitted a loan application with Prodigy Finance, whose loan is subject to Prodigy Finance’s standard affordability checks. The following will also be required:

1. You must reside in India.

2. You must be studying abroad.

3. You must be admitted to a school and programme Prodigy Finance supports.

4. You must submit your first loan application and pay the processing fee by 30 September 2026.

2. Referrals

Prodigy Finance will generate referral codes (the “Codes”) and send these codes to each of the eligible Referrers via email from 26 March 2026. To make the required referrals, Referrers must send the Codes to their friends, family members, colleagues, or business acquaintances (the “Referees”) who may be interested in learning about or applying for a Prodigy Finance loan. To activate the referral, the Referee must register and apply for a loan with Prodigy Finance on its website and use the Code when prompted. The Codes shall be valid for use through to 30 September 2026, whereafter it shall expire automatically. A Referrer can only use one Code to make referrals.

3. Successful Referrals

A Referral is successful if the Referee is not the Referrer or an existing Prodigy Finance borrower or have previously submitted a loan application with Prodigy Finance and i) starts a new loan application with Prodigy Finance and uses the Code in the loan application process, as directed by Prodigy Finance; ii) meets all the eligibility and underwriting criteria, and is offered a loan by Prodigy Finance ; and iii) accepts the loan and some or all loan funds are disbursed on or before 01 March 2027 (a “Successful Referral”).

4. Referral Award

The Referrers award:

Referrers will qualify for the referral award(s), subject to their applicable eligibility criteria and terms specified below:

Referrers with disbursed loans when making the referrals: Referral awards will be given in the form of a USD 100 credit applied to the Referrer’s Prodigy Finance loan balance for each Successful Referral. A maximum of twenty (20) successful referrals are permitted per eligible Referrer for the duration of the Referral Programme.

Referrers with loan applications in progress when making the referrals: Referral awards will be given in the form of a USD 100 credit applied to the Referrer’s Prodigy Finance loan balance for each Successful Referral. A maximum of twenty (20) successful referrals are permitted per eligible Referrer for the duration of the Referral Programme.

Referrers whose loan applications are not finalised when the award(s) are due will forfeit these award(s), as awards under this Programme can only be applied as credits to finalised loans. The Award is non-exchangeable, non-transferable and cannot be substituted for cash. Referral awards will be forfeited if the Referrer has settled his/her Prodigy Finance loan when the award is due.

The Referees award:

Referees will receive a USD 50 credit applied to the loan balance of their first Prodigy Finance loan, provided they apply using the referral Code, accept the loan and receive some or all of the disbursed funds.

The Award is non-exchangeable, non-transferable and cannot be substituted for cash.

Referral awards will be forfeited if the Referrer has settled his/her Prodigy Finance loan when the award is due.

Referrers and/or Referees will be notified via their monthly statement email or by email after a Successful Referral has been confirmed. An Award shall be applied to the Referrer’s and/or Referee’s loan account after the Successful Referral has been completed, with the credit reflecting on the monthly statement sent via email following the transaction.

Referral awards will be applied within a reasonable period after confirmation of a Successful Referral, and the timing of the credit application may vary depending on processing and verification requirements. Credits will be applied directly to the outstanding loan balance and no separate notification beyond the monthly statement will be sent.

5. Disclosure of information/privacy

Referrers’ and Referees' names and contact details will be collected, stored and shared by Prodigy Finance in accordance with applicable law and Prodigy Finance’s privacy policy as necessary to conduct the Referral Programme.

6. Limitation of liability

Except to the extent restricted in law, Prodigy Finance will not be liable or responsible for any direct or consequential damage, loss or injury resulting from the Referral Programme or a Referrer and Referee’s acceptance and/or use of an Award, or for technical, hardware or software failures, lost, faulty or unavailable network connections or difficulties of any kind that may limit or prohibit Prodigy Finance’s offering of or the Referrer’s ability to participate in the Referral Programme.

A referral does not guarantee that Prodigy Finance shall accept or approve a loan application from a Referee and nothing in these Rules will oblige Prodigy Finance to approach a Referee to market or sell its product.

Prodigy accepts no responsibility or liability if the Referrer’s contact details are incorrect or no longer valid. If Prodigy is unable to contact a Referrer to arrange for the delivery of the referral award(s), the referrals award(s) will be forfeited.

7. Prohibited conduct

Referrers may only make referrals to personal contacts and indiscriminate bulk emails, texts, social media posts (whether manual or through the use of automated devices or third-party services) are strictly prohibited.

Referrer agrees that (s)he will not publicly advertise Prodigy Finance’s products or name, solicit loan applications, request or accept any compensation from Referees or other parties to make referrals, collect any data or complete any application on behalf of another individual, nor make any misleading or untruthful statements about Prodigy Finance, its business and its products.

Any Referrer who acts with regard to the Referral Programme in a manner, which in Prodigy Finance’s reasonable determination is contrary to these Rules or by its nature is unjust to other Referrers or Referees may be excluded from the Referral Programme at Prodigy Finance’s sole discretion.

Anyone who violates these Rules is ineligible for an Award.

8. No correspondence

All Prodigy Finance’s decisions in relation to the Referral Programme are final and binding in all respects and are not subject to appeal.

Questions about the Referral Programme can be sent by email to info@prodigyfinance.com.

Prodigy Finance will not enter into any correspondence with Referrers in respect of the status or progress of referrals, as this relates to confidential information of Referees and our proprietary business practices.

9. Independent Contractor

The Referrer agrees that (s)he will participate in the Referral Programme as an independent contractor and neither the Referrer nor Prodigy Finance intends to establish an employment, agency or similar relationship.

By participating, Referrers confirm that they are not making referrals in the ordinary course of business.

10. Applicable Law

The Referral Programme and these Rules are governed by and constructed in accordance with English law and the courts of England and Wales will have exclusive jurisdiction in relation to any disputes. Where applicable, to the fullest extent permitted by law, any such dispute must be brought individually (NOT as part of a class action), with recovery being limited to one’s actual costs in conjunction with participation in the Referral Programme (if any) with all damages or other forms of recovery being expressly waived.

11. Taxes

RECEIPT OF AWARDS BY REFERRERS AND/OR REFEREES MAY BE SUBJECT TO NATIONAL FEDERAL, STATE, PROVINCIAL, LOCAL AND FOREIGN TAX REPORTING AND WITHHOLDING REQUIREMENTS. BY ACCEPTING THE AWARD, REFERRERS EXPRESSLY UNDERTAKE TO SUBMIT REQUESTED DOCUMENTATION TO PRODIGY FINANCE TO PERMIT PRODIGY FINANCE TO COMPLY WITH ALL APPLICABLE TAX LAWS. ALL AWARDS WILL BE NET OF ANY TAXES PRODIGY FINANCE IS REQUIRED BY LAW TO WITHHOLD. ALL TAXES IMPOSED ON AWARDS ARE THE SOLE RESPONSIBILITY OF THE RECIPIENTS.

In order to receive an Award, Referrers and/or Referees may be required to submit the tax documentation requested by Prodigy Finance or otherwise required by applicable law, to Prodigy Finance or the relevant tax authority, all as determined by applicable law, including, where relevant, the law of the potential Recipient’s country of residence. The potential Recipient is responsible for ensuring that (s)he complies with all the applicable tax laws and filing requirements. If a Referrer and/or Referee fails to provide such documentation or comply with such laws, the Award(s) may be forfeited.

12. Right to terminate Referral Programme or amend the Rules

Prodigy Finance reserves the right to extend, modify, cancel, terminate or suspend the Referral Programme in whole or in part, at any time at its sole discretion. If and to the extent that the laws of the country in which Prodigy Finance offers funding, invalidates or severely restricts the operation of this Referral Programme, the Referral Programme shall be invalid, and residents of this country shall be excluded from participating in the Referral programme.

Awards may be earned only on referred loans that have been funded on or before the date of termination. Prodigy Finance may amend the Rules at any time by posting updated Rules to https://prodigyfinance.com/ and/or emailing a copy of the updated Rules to eligible Referrers and/or Referees. Subject to applicable law, any undeliverable Awards shall be forfeited when the Referral Programme is terminated.