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  1. EFML is an institution specializing in consumer finance products targeted at the low-middle class consumer segmented market of salaried and self-employed individuals.
  2. The Investment Loan Note (ILN) is a product developed and operated by EFML for the purpose of expanding and growing the business and with the multi-purpose aim of enabling investors access a stable and consistent yield on their investment.
  3. Pursuant to recital 2, the Investor is desirous of investing in the ILN and EFML has agreed to take on the Investor’s funds in accordance with the terms and conditions herein contained.
  4. EFML and the Investor desire to enter into this formal written agreement to set forth the rights and responsibilities of each party with respect to the relationship.


NOW THEREFORE, in consideration of the mutual agreements, covenants and other provisions herein contained, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Parties hereto agree as follows:

1. General Terms


2. Termination in advance of maturity


3. Investor Representations


4. Breach of prevailing laws

If it appears to EFML that the Investor may:

EFML may immediately do one or more of the following:

The Investor accepts that EFML will be under no liability to them if they do any or all of the above things.


5. EFML’s Limitation of Liabilities


6. Communications


7. Severance


8. Miscellaneous