Common use of ACCEPTANCE OF THE TERMS AND CONDITIONS Clause in Contracts

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before applying to access the Mobile Loan via the KCB System you should carefully read and understand these Terms and Conditions which will govern the use and operation of the KCB Mobile Loan. 3.2 If you do not agree with these Terms and Conditions, please click decline acceptance on the Mobile loan menu. 3.3 You will be deemed to have read, understood, and accepted these Terms and Conditions: - 3.3.1 Upon clicking “Yes” option on the KCB Mobile loan menu requesting you to confirm that you have read and accepted the Terms and Conditions as stated in the website ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇; and/or 3.3.2 Upon continuing to use and operate the KCB Mobile Loan Account. 3.4 By applying to access the KCB Mobile Loan with the Bank, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the KCB Mobile Loan product and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank may have with respect to the KCB Mobile loan system in law or otherwise. 3.5 These Terms and Conditions may be amended or varied by the Bank from time to time and the continued use of your KCB Mobile Loan constitutes your agreement to be bound by the terms of any such amendment or variation. 3.6 You acknowledge and accept that the Bank offers the KCB Mobile loan only electronically and you agree to do business with the Bank and to operate the KCB Mobile Loan only by electronic means via the KCB Mobile Loan Menu on the KCB Mobile Loan System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact Centre. For the avoidance of doubt, you acknowledge and accept that you will not be allowed or entitled to receive or demand the Services pertaining to the KCB Mobile loan at any branch or branches of the Bank unless otherwise advised by the Bank in its sole discretion. You further acknowledge and accept that the Contact Centre is not a branch of the Bank or the Bank’s Agent for purposes of conducting Banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before applying to access open the KCB Mobile Loan Account via the KCB Mobile System you should carefully read and understand these Terms and Conditions which will govern the use and operation of the KCB Mobile LoanLoan Account. 3.2 3.2. If you do not agree with these Terms and Conditions, please click decline acceptance select “No” on the KCB Mobile loan menuLoan Menu. 3.3 3.3. You will be deemed to have read, understood, and accepted these Terms and Conditions: - 3.3.1 3.3.1. Upon clicking selecting “Yes” option on the KCB Mobile loan menu Loan Menu requesting you to confirm that you have read and accepted the Terms and Conditions as stated in on the website ▇▇▇.▇▇://▇▇.▇▇▇▇▇▇▇▇.▇▇▇; and/or 3.3.2 3.3.2. Upon registration of a KCB Mobile Loan Account and/or by using or continuing to use and operate the KCB Mobile Loan Account. 3.4 3.4. By applying to access open the KCB Mobile Loan Account with the Bank, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the KCB Mobile Loan product Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank may have with respect to the KCB Mobile loan system Loan Account in law or otherwise. 3.5 3.5. These Terms and Conditions may be amended or varied by the Bank from time to time and the continued use of your KCB Mobile Loan constitutes your agreement to be bound by the terms of any such amendment or variationtime. 3.6 3.6. You acknowledge and accept that the Bank offers the KCB Mobile loan Loan Account only electronically and you agree to do business with the Bank and to operate the KCB Mobile Loan Account only by electronic means via the KCB Mobile Loan Menu menu on the KCB Mobile Loan System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact Centre. For the avoidance of doubt, you acknowledge and accept that you will not be allowed or entitled to receive or demand the Services pertaining to the KCB Mobile loan Loan Account at any branch or branches of the Bank unless otherwise advised by the Bank in its sole discretion. You further acknowledge and accept that the Contact Centre is not a branch of the Bank or the Bank’s Agent for purposes of conducting Banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before applying to access operating the Mobile Loan Money Account via the KCB MOBILE MONEY System you should carefully read read, understand and understand accept these Terms and Conditions which will govern the use and operation of the KCB Mobile LoanMoney Account. 3.2 If you do not agree with these Terms and Conditions, please click decline acceptance “Decline” on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile loan menuMoney Account. 3.3 You will shall be deemed to have read, understood, understood and accepted these Terms and Conditions: -Conditions:- 3.3.1 Upon upon clicking on the “YesAccept” option on the KCB Mobile loan menu Money Menu requesting you to confirm that you have read read, understood and accepted the agreed to abide with these Terms and Conditions as stated in the website ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇Conditions; and/or 3.3.2 Upon by using or continuing to use and operate the KCB Mobile Loan Money Account. 3.4 By applying to access open the KCB Mobile Loan Money Account with the Bank, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the KCB Mobile Loan product Money Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank may have with respect to the KCB Mobile loan system Money Account in law or otherwise. 3.5 These Terms and Conditions may be amended or varied by the Bank from time to time and the continued use of your KCB Mobile Loan Money Account constitutes your agreement to be bound by the terms of any such amendment or variation. 3.6 You acknowledge and accept that the Bank offers the KCB Mobile loan Money Account only electronically and you agree to do business with the Bank and to operate the KCB Mobile Loan Money Account only by electronic means via the KCB Mobile Loan Menu on the KCB Mobile Loan Money System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact CentreCentre and through any Co-operative Bank Branch. For the avoidance of doubt, you acknowledge and accept that you will not be allowed or entitled to receive or demand the Services pertaining to the KCB Mobile loan Money Account at any branch or branches of the Bank Bank, or via the Bank’s system unless and until you go through the stipulated KYC requirements or otherwise advised by the Bank in its sole discretion. You further acknowledge and accept that the Contact Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of conducting Banking conduction of banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before applying to access operating the Mobile Loan Money Account via the KCB MOBILE MONEY System you should carefully read read, understand and understand accept these Terms and Conditions which will govern the use and operation of the KCB Mobile LoanMoney Account. 3.2 If you do not agree with these Terms and Conditions, please click decline acceptance “Decline” on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile loan menuMoney Account. 3.3 You will shall be deemed to have read, understood, understood and accepted these Terms and Conditions: -Conditions:- 3.3.1 Upon clicking on the “YesAccept” option on the KCB Mobile loan menu Money Menu requesting you to confirm that you have read read, understood and accepted the agreed to abide with these Terms and Conditions as stated in the website ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇Conditions; and/or 3.3.2 Upon By using or continuing to use and operate the KCB Mobile Loan Money Account. 3.4 By applying to access open the KCB Mobile Loan Money Account with the Bank, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the KCB Mobile Loan product Money Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank may have with respect to the KCB Mobile loan system Money Account in law or otherwise. 3.5 These Terms and Conditions may be amended or varied by the Bank from time to time and the continued use of your KCB Mobile Loan Money Account constitutes your agreement to be bound by the terms of any such amendment or variation. 3.6 You acknowledge and accept that the Bank offers the KCB Mobile loan Money Account only electronically and you agree to do business with the Bank and to operate the KCB Mobile Loan Money Account only by electronic means via the KCB Mobile Loan Menu on the KCB Mobile Loan Money System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact CentreCentre and through any Co-operative Bank Branch. For the avoidance of doubt, you acknowledge and accept that you will not be allowed or entitled to receive or demand the Services pertaining to the KCB Mobile loan Money Account at any branch or branches of the Bank Bank, or via the Bank’s system unless and until you go through the stipulated KYC requirements or otherwise advised by the Bank in its sole discretion. You further acknowledge and accept that the Contact Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of conducting Banking conduction of banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Terms and Conditions For Opening & Use M-Pawa Account 2020, 09 2 3.1. M-PAWA revolutionary service provided by the Bank in partnership with M-PESA Limited that allows you to save money through your phone, earn interest from your savings and eventually get micro loans when you need them. ▇-▇▇▇▇ is here as a reliable friend who will give you a helping hand to move forward and see your plan through in life with M- PAWA 3.2. Before applying to access open the Mobile Loan M-PAWA Account via the KCB M-PESA System you should carefully read and understand these Terms and Conditions which will govern the use and operation of the KCB Mobile LoanM-PAWA Account. 3.2 3.3. If you do not agree with these Terms and Conditions, please click decline acceptance “Decline” on the Mobile loan menuM-PAWA Menu. 3.3 3.4. You will be deemed to have read, understood, understood and accepted these Terms and Conditions: - 3.3.1 3.4.1. Upon clicking on the “YesAccept” option on the KCB Mobile loan menu M-PAWA Menu requesting you to confirm that you have read read, understood and accepted the agreed to abide with these Terms and Conditions as stated in the website ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇Conditions; and/or 3.3.2 Upon 3.4.2. By using or continuing to use and operate the KCB Mobile Loan M-PAWA Account. 3.4 3.5. By applying to access open the KCB Mobile Loan M-PAWA Account with the Bank, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the KCB Mobile Loan product M-PAWA Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank and M-PESA Limited may have with respect to the KCB Mobile loan system M-PAWA Account in law or otherwise. 3.5 These Terms and Conditions may be amended or varied by the Bank from time to time and the continued use of your KCB Mobile Loan constitutes your agreement to be bound by the terms of any such amendment or variation. 3.6 3.6. You acknowledge and accept that the Bank offers the KCB Mobile loan M-PAWA Account is offered only electronically and you agree to do business with the Bank and to operate the KCB Mobile Loan M- PAWA Account only by electronic means via the KCB Mobile Loan M-PAWA Menu on the KCB Mobile Loan M-PESA System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact Customer Care Centre. For the avoidance of doubt, you acknowledge and accept that you will not be allowed or entitled to receive or demand the Services pertaining to the KCB Mobile loan M-PAWA Account at any branch or branches of the Bank unless otherwise advised by the Bank in its sole discretion. You further acknowledge and accept that the Contact Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of conducting Banking banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before applying to access open the Mobile Retailer Finance Loan Account via the KCB System you should carefully read and understand these Terms and Conditions which will govern the use and operation of the KCB Mobile LoanRetailer Finance Account. 3.2 If you do not agree with these Terms and Conditions, please click decline acceptance on the Mobile loan menuRetailer Finance Menu. 3.3 You will be deemed to have read, understood, and accepted these Terms and Conditions: - 3.3.1 Upon clicking “Yes” option on the KCB Mobile loan menu Retailer finance Menu requesting you to confirm that you have read and accepted the Terms and Conditions as stated in the website ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇; and/or 3.3.2 Upon registration of a Retailer financing loan account and/or by using or continuing to use and operate the KCB Mobile Retailer Financing Loan Account. 3.4 By applying to access open the KCB Mobile Retailer Loan Financing Account with the Bank, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the KCB Mobile Retailer Loan product Financing Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank may have with respect to the KCB Mobile Retailer loan financing system Account in law or otherwise. 3.5 These Terms and Conditions may be amended or varied by the Bank from time to time and the continued use of your KCB Mobile Retailer Loan Financing Account constitutes your agreement to be bound by the terms of any such amendment or variation. 3.6 You acknowledge and accept that the Bank offers the KCB Mobile loan Retailer Loan Financing only electronically and you agree to do business with the Bank and to operate the KCB Mobile Retailer Loan Financing Account only by electronic means via the KCB Mobile Retailer Loan Financing Menu on the KCB Mobile Loan Retailer Financing System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact Centre. For the avoidance of doubt, you acknowledge and accept that you will not be allowed or entitled to receive or demand the Services pertaining to the KCB Mobile Retailer loan financing at any branch or branches of the Bank unless otherwise advised by the Bank in its sole discretion. You further acknowledge and accept that the Contact Centre is not a branch of the Bank or the Bank’s Agent for purposes of conducting Banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before applying to access operating the Mobile Loan Money Account via the KCB MOBILE MONEY System you should carefully read read, understand and understand accept these Terms and Conditions which will govern the use and operation of the KCB Mobile Loan. 3.2 Money Account. If you do not agree with these Terms and Conditions, please click decline acceptance “Decline” on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile loan menu. 3.3 Money Account. You will shall be deemed to have read, understood, understood and accepted these Terms and Conditions: - 3.3.1 Upon Conditions:- upon clicking on the “YesAccept” option on the KCB Mobile loan menu Money Menu requesting you to confirm that you have read read, understood and accepted the agreed to abide with these Terms and Conditions as stated in the website ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇Conditions; and/or 3.3.2 Upon and/or by using or continuing to use and operate the KCB Mobile Loan Money Account. 3.4 . By applying to access open the KCB Mobile Loan Money Account with the Bank, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the KCB Mobile Loan product Money Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank may have with respect to the KCB Mobile loan system Money Account in law or otherwise. 3.5 . These Terms and Conditions may be amended or varied by the Bank from time to time and the continued use of your KCB Mobile Loan Money Account constitutes your agreement to be bound by the terms of any such amendment or variation. 3.6 . You acknowledge and accept that the Bank offers the KCB Mobile loan Money Account only electronically and you agree to do business with the Bank and to operate the KCB Mobile Loan Money Account only by electronic means via the KCB Mobile Loan Menu on the KCB Mobile Loan Money System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact CentreCentre and through any Co-operative Bank Branch. For the avoidance of doubt, you acknowledge and accept that you will not be allowed or entitled to receive or demand the Services pertaining to the KCB Mobile loan Money Account at any branch or branches of the Bank Bank, or via the Bank’s system unless and until you go through the stipulated KYC requirements or otherwise advised by the Bank in its sole discretion. You further acknowledge and accept that the Contact Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of conducting Banking conduction of banking business or transactions and that it will not act as such. ACCOUNT OPENING In order to open a Mobile Money Account with the Bank, you must be at least 18 years old with legal capacity to contract, and a registered and active Mobile Subscriber with a mobile service provider with which the Bank has an agreement with for the provision of this service. The Bank reserves the right to verify with the IPRS the authenticity of your details. You may open a Mobile Money Account solely by way of an electronic application made by you using your Equipment via the Mobile Money Menu on the Mobile Money System. You hereby agree and authorize the Bank to request IRPS for your personal information held by IPRS pursuant to the agreement between you and Co-operative Bank for the provision of Mobile Banking products and services including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank to identify you and comply with the regulatory KYC requirements (together the “Personal Information”). You also hereby agree and authorize the Bank to request IPRS for information relating to your ID as the Bank shall require for purposes of providing you the Services. You hereby consent to the disclosure of the Personal Information by IPRS to the Bank and to the aforesaid use of the Personal Information by the Bank. You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS from the Government of Kenya and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the Bank. You hereby further acknowledge and authorize the Bank to verify your Personal Information received from Mobile Network pursuant to Clause 4.3 against the information received from the Government of Kenya in your respect as contained in the IPRS. The Bank reserves the right to request for further information from you pertaining to your application for a Mobile Money Account at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for a Mobile Money Account. Acceptance by the Bank of your application for a Mobile Money Account shall be done via SMS sent to the Mobile Phone Number associated with your Mobile Money Account. You acknowledge and accept that the acceptance by the Bank of your application for a Mobile Money Account does not create any contractual relationship between you and the Mobile Network beyond the terms and conditions that apply to your Mobile Money Account from time to time. The Bank reserves the right to decline your application for a Mobile Money Account or to revoke the same at any stage at the Bank’s sole discretion and without assigning any reason or giving any notice thereto.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before applying to access operating the Mobile Loan Money Account via the KCB MOBILE MONEY System you should carefully read read, understand and understand accept these Terms and Conditions which will govern the use and operation of the KCB Mobile LoanMoney Account. 3.2 If you do not agree with these Terms and Conditions, please click decline acceptance “Decline” on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile loan menuMoney Account. 3.3 You will shall be deemed to have read, understood, understood and accepted these Terms and Conditions: -Conditions:- 3.3.1 Upon upon clicking on the “YesAccept” option on the KCB Mobile loan menu Money Menu requesting you to confirm that you have read read, understood and accepted the agreed to abide with these Terms and Conditions as stated in the website ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇Conditions; and/or 3.3.2 Upon by using or continuing to use and operate the KCB Mobile Loan Money Account. 3.4 By applying to access open the KCB Mobile Loan Money Account with the Bank, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the KCB Mobile Loan product Money Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank may have with respect to the KCB Mobile loan system Money Account in law or otherwise. 3.5 These Terms and Conditions may be amended or varied by the Bank from time to time and the continued use of your KCB Mobile Loan Money Account constitutes your agreement to be bound by the terms of any such amendment or variation. 3.6 You acknowledge and accept that the Bank offers the KCB Mobile loan Money Account only electronically and you agree to do business with the Bank and to operate the KCB Mobile Loan Money Account only by electronic means via the KCB Mobile Loan Menu on the KCB Mobile Loan Money System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact CentreCentre and through any Co-operative Bank Branch. For the avoidance of doubt, you acknowledge and acknowledgeand accept that you will not be allowed or entitled to receive or demand the Services pertaining to the KCB Mobile loan MobileMoney Account at any branch or branches of the Bank Bank, or via the Bank’s system unless and until you go through the stipulated KYC requirements or otherwise advised by the Bank in its sole discretion. You further acknowledge furtheracknowledge and accept that the Contact Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of conducting Banking conduction of banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before applying to access open the Mobile Loan Savings Account via the KCB Airtel Money System you should carefully read and understand these Terms and Conditions which will govern the use and operation of the KCB Mobile LoanSavings Account. 3.2 3.2. If you do not agree with these Terms and Conditions, please click decline acceptance do not progress your account opening request on the Mobile loan menuAirtel USSD code - *185# Menu. 3.3 3.3. You will be deemed to have read, understood, understood and accepted these Terms and Conditions: - 3.3.1 Upon clicking “Yes” option 3.3.1. upon entering your Mobile Money PIN on the KCB Mobile loan menu Airtel USSD code - *185# Menu requesting you to confirm that you have read read, understood and accepted the agreed to abide with these Terms and Conditions as stated in the website ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇Conditions; and/or 3.3.2 Upon 3.3.2. by using or continuing to use and operate the KCB Mobile Loan Savings Account. 3.4 3.4. By applying to access open the KCB Mobile Loan Savings Account with the Bank, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the KCB Mobile Loan product Savings Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank may have with respect to the KCB Mobile loan system Savings Account in law or otherwise. 3.5 3.5. These Terms and Conditions may be amended or varied by the Bank from time to time and the subject to at least thirty (30) days prior notice to You. The continued use of your KCB Mobile Loan Savings Account constitutes your agreement to be bound by the terms of any such amendment or variation. 3.6 3.6. You acknowledge and accept that the Bank offers the KCB Mobile loan Savings Account only electronically and you You agree to do business with the Bank and to operate the KCB Mobile Loan Savings Account only by electronic means via the KCB Mobile Loan Airtel USSD code - *185# Menu on the KCB Mobile Loan Airtel Money System. . 3.7.1 Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact Customer Care Centre. For the avoidance of doubt, you acknowledge and accept that you will not be allowed or entitled to receive or demand the Services pertaining to the KCB Mobile loan Savings Account at any branch or branches of the Bank unless otherwise advised by the Bank in its sole discretion. You further acknowledge and accept that the Contact Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of conducting Banking banking business or transactions and that it will not act as such. 3.7.2 The Bank will take all measures within its means to resolve your complaints within a reasonable time. All complaints will be handled in accordance with the Bank’s complaints handling procedures.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before applying to access open the KCB Mobile Loan Account via the KCB Mobile System you should carefully read and understand these Terms and Conditions which will govern the use and operation of the KCB Mobile LoanLoan Account. 3.2 3.2. If you do not agree with these Terms and Conditions, please click decline acceptance select “No” on the KCB Mobile loan menuLoan Menu. 3.3 3.3. You will be deemed to have read, understood, and accepted these Terms and Conditions: - 3.3.1 3.3.1. Upon clicking selecting “Yes” option on the KCB Mobile loan menu Loan Menu requesting you to confirm toconfirm that you have read and accepted the Terms and Conditions as stated in on the website ▇▇▇.▇▇://▇▇.▇▇▇▇▇▇▇▇.▇▇▇; and/or 3.3.2 3.3.2. Upon continuing to registration of a KCB Mobile Loan Account and/or by using or continuingto use and operate the KCB Mobile Loan Account. 3.4 3.4. By applying to access open the KCB Mobile Loan Account with the Bank, you agree to comply with complywith and be bound by these Terms and Conditions for the time being and from time to timeto time in force governing the operation of the KCB Mobile Loan product Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank may have with respect to the KCB Mobile loan system Loan Account in law or otherwise. 3.5 3.5. These Terms and Conditions may be amended or varied by the Bank from time to time and the continued use of your KCB Mobile Loan constitutes your agreement to be bound by the terms of any such amendment or variationtime. 3.6 3.6. You acknowledge and accept that the Bank offers the KCB Mobile loan Loan Account only electronically and you agree to do business with the Bank and to operate the KCB Mobile Loan Account only by electronic means via the KCB Mobile Loan Menu menu on the KCB theKCB Mobile Loan System. Any query and complaint you may have relating to the Services shall Servicesshall be addressed to the Bank through the Contact Centre. For the avoidance of doubt, you acknowledge and accept that you will not be allowed or entitled to receive or receiveor demand the Services pertaining to the KCB Mobile loan Loan Account at any branch or branches of the Bank unless otherwise advised by the Bank in its sole discretion. You further ▇▇▇▇▇▇▇▇▇▇ acknowledge and accept that the Contact Centre is not a branch of the Bank or the Bank’s Agent for purposes of conducting Banking business or transactions and that andthat it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before applying to access open the KCB Mobile Loan Account via the KCB Vooma System you should carefully read and understand these Terms and Conditions which will govern the use and operation of the KCB Mobile LoanLoan Account. 3.2 3.2. If you do not agree with these Terms and Conditions, please click decline acceptance select “No” on the KCB Mobile loan menuLoan Menu. 3.3 3.3. You will be deemed to have read, understood, and accepted these Terms and Conditions: - 3.3.1 3.3.1. Upon clicking selecting “Yes” option on the KCB Mobile loan menu Loan Menu requesting you to confirm that you have read and accepted the Terms and Conditions as stated in on the website ▇▇▇▇▇://▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇▇ ; and/or 3.3.2 3.3.2. Upon registration of a KCB Mobile Loan account and/or by using or continuing to use and operate the KCB Mobile Loan Accountaccount. 3.4 3.4. By applying to access open the KCB Mobile Loan Account with the Bank, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the KCB Mobile Loan product Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank may have with respect to the KCB Mobile loan system Loan Account in law or otherwise. 3.5 3.5. These Terms and Conditions may be amended or varied by the Bank from time to time and the continued use of your KCB Mobile Loan constitutes your agreement to be bound by the terms of any such amendment or variationtime. 3.6 3.6. You acknowledge and accept that the Bank offers the KCB Mobile loan Loan Account only electronically and you agree to do business with the Bank and to operate the KCB Mobile Loan Account only by electronic means via the KCB Mobile Loan Menu menu on the KCB Mobile Loan Vooma System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact Centre. For the avoidance of doubt, you acknowledge and accept that you will not be allowed or entitled to receive or demand the Services pertaining to the KCB Mobile loan Loan Account at any branch or branches of the Bank unless otherwise advised by the Bank in its sole discretion. You further acknowledge and accept that the Contact Centre is not a branch of the Bank or the Bank’s Agent for purposes of conducting Banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before applying to access operating the Faulu Digital Account via the Mobile Loan via the KCB System Banking platform you should carefully read read, understand and understand accept these Terms and Conditions which will govern the use and operation of the KCB Mobile LoanFaulu Digital Account. 3.2 If you do not agree with these Terms and Conditions, please click decline acceptance “No” on the Mobile loan menubanking Menu and you will not be allowed to open the Faulu Digital Account. 3.3 You will shall be deemed to have read, understood, understood and accepted these Terms and Conditions: -Conditions:- 3.3.1 Upon clicking on the “Yes” option on the KCB Mobile loan menu Banking Menu requesting you to confirm that you have read read, understood and accepted the agreed to abide with these Terms and Conditions as stated in the website ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇Conditions; and/or 3.3.2 Upon by using or continuing to use and operate the KCB Mobile Loan AccountMoney Wallet. 3.4 By applying to access open the KCB Mobile Loan Faulu Digital Account with the Bank, you agree to comply with and be bound by these Terms and Conditions for the time being and from time to time in force governing the operation of the KCB Mobile Loan product Faulu Digital Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank may have with respect to the KCB Mobile loan system Faulu Digital Account in law or otherwise. 3.5 These Terms and Conditions may be amended or varied by the Bank from time to time and the continued use of your KCB Mobile Loan Faulu Digital Account constitutes your agreement to be bound by the terms of any such amendment or variation. 3.6 You acknowledge and accept that the Bank offers the KCB Mobile loan Faulu Digital Account only electronically and you agree to do business with the Bank and to operate the KCB Mobile Loan Faulu Digital Account only by electronic means via the KCB Mobile Loan Menu on the KCB Mobile Loan SystemBanking Platform. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact CentreCentre and through any Faulu MFB Branch. For the avoidance of doubt, you acknowledge and accept that you will not be allowed or entitled to receive or demand the Services pertaining to the KCB Mobile loan Faulu Digital Account at any branch or branches of the Bank Bank, or via the Bank’s system unless and until you go through the stipulated KYC requirements or otherwise advised by the Bank in its sole discretion. You further acknowledge and accept that the Contact Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of conducting Banking conduction of banking business or transactions and that it will not act as such.