Pocket.mn vs Tugrug App

Pocket is an AI and fintech-based application developed by “Pocket NBFI” LLC, offering comprehensive financial services. “Pocket NBFI” LLC was established in May 2019, originally going by the name “Invescore Wallet NBFI” LLC, and obtained its non-bank financial service license pursuant to Resolution No. 327 of the Financial Regulatory Commission of Mongolia on November 25, 2019. The Pocket application provides the following services in accordance with the laws and regulations of Mongolia: · Online loans · Buy Now, Pay Later (BNPL) · Saving services To register on the Pocket application, users are required to provide the following information: · Phone number verification · National Identification Number · First and last name Privacy Policy We operate in compliance with the Anti-Money Laundering Commission and the National Data Privacy Commission. To ensure the security of our customers’ personal information, we maintain a high level of confidentiality in accordance with Mongolia’s Law on Personal Privacy. How to Get a Loan After downloading the Pocket app and completing the registration process with valid information, the user’s credit limit is determined based on the Bank of Mongolia’s Credit Information Database and Pocket’s AI-powered assessment system. This helps prevent users from taking on multiple loans that could lead to delinquency. Once the user’s credit limit has been determined based on the Central Bank’s information and Pocket’s eligibility criteria, they will be able to get a loan at any time to their desired amount and receive the funds directly to their personal bank account. How to Repay the Loan Customers can repay their loans at any time without additional fees or penalties. Our system sends regular reminders of the due dates through SMS, email, and in-app notifications. Customers can repay their loans through the Pocket application or via bank transfer. Users who make their repayments on time may become eligible for higher loan amounts, lower fees, and additional bonus points, subject to the applicable terms and conditions. Loan products Pocket offers a range of loan products designed to meet different customer needs. Depending on the loan product, the maximum and minimum loan amounts, interest rates, and repayment periods may vary, which allows customers to choose a financing option that best suits their individual needs. Long-term loan Loan amount: MNT 500,000 – MNT 50,000,000 Loan period: 3-36 months Example: Principle loan: MNT 500,000 Loan period: 3 months (can be extended before the due date) Monthly interest rate: 1.5% Total fees: MNT 5,000 (one-time fee) Monthly payment: MNT 174,063.93 Total interest: MNT 22,191.79 Total amount payable: MNT 527,191,79 Pocket Zero / BNPL / Pocket Zero is a Buy Now, Pay Later (BNPL) service that allows customers to purchase products and services from participating merchants and pay for them in installments over 90 days. Loan amount: MNT 100,000 – MNT 10,000,000 Loan period: 90 days Example: Principle loan: MNT 100,000 Loan period: 90 days (can be extended before the due date) Monthly interest: 0% Total fees: MNT 0 Total interest: MNT 0 Total amount payable: MNT 100,000 What Are Bonus Points? Customers earn reward points through following activities performed within the app. These points can be used to increase their credit limit and reduce loan fees and interest rates. Example: Repay the loan on time: 10 points Read daily news: 1 point Play games: up to 5 points Invite friends: 200 points Watch explainer videos: 20 points Other eligible activities Contact Us Customer Service: +976 1900-1188, +976 7777-8885 Email: info@pocket.mn Website: pocket.mn Facebook: Facebook.com/PocketMN Address: 13th Floor, IC Tower-1, Parisian Street, 1st Khoroo, Sukhbaatar District, Ulaanbaatar, Mongolia

Бидний тухай Tugrug app нь “Кэйш флов финанс ББСБ” ХХК-иас гаргаж буй цахим зээлийн үйлчилгээ бүхий финтек технологид суурилсан аппликэйшн юм. “Кэйш флов финанс ББСБ” ХХК нь 2017 оны 10-р сарын 10-ны өдөр байгуулагдсан. Tugrug app нь Монгол улсын хууль дүрмийн дагуу доорх үйл ажиллагааг аппликэйшнээр дамжуулан явуулж байна. Харилцагч болох алхам: * Appstore болон Playstore-оос Tugrug app гэж хайн гар утсандаа суулгаарай. * Та өөрийн гар утасны дугаараа бүртгүүлж өөрийн хувийн мэдээллийг үнэн зөв оруулж Зээлийн мэдээллийн сан болон Tugrug app-ийн скоринг үнэлгээнээс хамаарч дахин бүртгэл хийлгүйгээр дуртай үедээ өөрт тохирсон хэмжээгээр зээлээ өөрийн банкны данс руу авах боломжтой. Зээлийн төрөл: Өөрийн мэдээллээ үнэн зөв бөглөж тодорхой шалгуур хангасан харилцагчид 90 хоног хүртэлх хугацаатай хэзээ ч, хаанаас ч, хэдэн ч удаа 50,000-1,000,000 төгрөг хүртэл зээлийг цахимаар гэрээ байгуулж тогтмол хуваарьтай эргэн төлөх зээлийн үйлчилгээ юм. Хэрхэн зээл авах: - Та Tugrug app-г гар утас дээрээ татаж суулгана. - Өөрийн мэдээллээ үнэн зөв бөглөж харилцагчаар бүртгүүлнэ. - Цахимаар гэрээ байгуулан баталгаажуулна. - Өөрийн эзэмшдэг дансанд зээлээ шилжүүлэн авна. Зээлийн нөхцөл: - Зээлийн дүн: 50,000 MNT - 1,000,000 MNT - Үйлчилгээний шимтгэл: 0 MNT - Зээлийн хүү: Таны үндсэн зээлийн үлдэгдэл дүнгээс ашигласан өдрөөр тооцогдоно - Зээлийн эргэн төлөлт: Зээлийг тэнцүү төлөлтийн аргаар хугацааны эцэст төлнө - Харилцагч авсан зээлээ 1-6 удаа сунгах эрхтэй - APR: 2.7%-32.4% Жишээлбэл: - Зээлийн дүн: 100,000 MNT - Үйлчилгээний шимтгэл: 0 ₮ - Зээлийн эргэн төлөлт: 2 сар хугацаатай - APR: 2.7%-32.4% - Сарын төлөлт: 52,700 - Хүү: 2,700 - Нийт төлөлт: 105,400 Танд амжилт хүсье, Кэйш флов финанс ББСБ ХХК ********* English below ************* About us The Tugrug app is an fintech application developed by Cash Flow Finance non-banking financial institution, which will be used for lending services. Cash Flow Finance is a limited liability corporation that was established on 10 October 2017. The company is carrying on the following activities through the Tugrug app in accordance with the laws of Mongolia: Search for Tugrug app Appstore and Playstore and install it on your phone: By registering through your phone number and submitting your personal information, you will be eligible to obtain a loan that suits your needs into your bank account based on the loan database and Tugrug app’s scoring evaluation without ever needing to do multiple registrations. Types of loan: Customers who have provided true and accurate information and who meet the requirements will be able to obtain loans between 50,000 and 1,000,000 anytime, anywhere and any number of times for a term of until 90 days by entering into the loan agreement electronically. How to obtain a loan: You must install the Tugrug app on your phone. – You must then enter your details accurately and register as a customer. – Then enter into a loan agreement electronically. – Get the loan into your bank account. Terms of the loan: - Loan amount: from MNT 50,000 to MNT1,000,000 – Service charge: MNT 0 – Loan interest: Interest will accrue daily on the balance of the loan principle that has been drawn down – Loan repayment: The loan must be repaid on maturity date in equal installments – Customers have the right to extend the maturity 1-6 times - APR: 2.7%-32.4% Example: Loan principal: MNT 100,000 – Service charge: MNT 0 – Loan term: 2 months – APR: 2.7%-32.4% - Monthly repayment: 52,700 – Interest 2,700 – Total repayment: 105,400. We wish you all the best. Cash Flow Finance NBFI LLC.