Eligible members may also apply for assistance to acquire a car or other approved vehicle. Depending on the purpose and financial capacity of the applicant, this may include vehicles intended for: Commercial transportation Ride-hailing services Delivery and logistics Business operations Personal or family transportation Other approved income-generating activities The Cooperative assesses the proposed vehicle, purchase price, intended use, member's financial capacity and repayment ability before approval.

1. Member Applies The member identifies the asset required and submits a Multipurpose Loan application. 2. Cooperative Assessment We assess the member's eligibility, savings and contribution history, financial capacity, intended use of the asset, guarantors/security where applicable, and ability to meet the proposed repayment obligation. 3. Asset Verification The Cooperative verifies the asset, seller, purchase price, condition and relevant ownership documents before completing an approved purchase. 4. Cooperative Purchases the Asset Once all requirements have been satisfied, the Cooperative purchases or finances the approved asset on behalf of the beneficiary. 5. Asset Is Released to the Member The member takes possession and begins using the asset in accordance with the Multipurpose Loan/Hire Purchase Agreement. 6. Member Repays Gradually The total amount payable is divided into agreed instalments according to the repayment schedule stated in the agreement. 7. Final Ownership Where the facility is structured as hire purchase or conditional ownership, the financed asset remains the property of Pralarg International Multipurpose Cooperative Society until the beneficiary completes the agreed payments and other contractual obligations. Upon completion, ownership is formally transferred to the beneficiary and the appropriate documentation or Handover Certificate is issued.

The Multipurpose Loan is designed around purpose-based financing. When a member applies for a motorcycle, for example, the objective is to help that member acquire a motorcycle—not simply to provide unrestricted cash. Purchasing the approved asset directly helps the Cooperative: Ensure that funds are used for the approved purpose Verify the actual value of the asset Reduce misuse of cooperative funds Protect members' collective savings Maintain proper ownership and transaction records Reduce lending risk Give the beneficiary a clear path toward eventual ownership

Where possible, we encourage members to use Multipurpose Loan facilities to acquire productive assets. For example, a motorcycle may generate income through commercial transportation or delivery services. A vehicle may support ride-hailing, logistics or another business. A freezer may support a food or beverage business. The objective is therefore not merely to create debt. Our goal is to help members acquire assets that improve their economic position and, where possible, generate the income needed to support repayment.

Motorcycles, cars and other high-value assets financed by the Cooperative may be subject to additional requirements, including: Guarantors Collateral or other security where applicable Comprehensive documentation Proof of identity and address Vehicle registration and ownership documentation Insurance where required Tracking/security devices where applicable Periodic verification of the asset Restrictions against unauthorized sale, transfer or disposal Other risk-management measures determined by the Cooperative A beneficiary must not sell, pledge, transfer, conceal or otherwise dispose of an asset that remains the property or security of the Cooperative without written authorization.

The Pralarg Multipurpose Loan is built around a simple principle: The Cooperative helps you acquire what you need today, you repay responsibly over time, and upon successful completion, the asset becomes yours. It is another way we are using collective resources to create practical opportunities for our members. PRALARG INTERNATIONAL MULTIPURPOSE COOPERATIVE SOCIETY Acquire • Use • Repay • Own Empowering Members Through Responsible Asset Acquisition