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

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before applying to PCUL’s products on our system, you should first carefully read and understand these Terms and Conditions which will govern the use and operation of our system and the products and services accessible thereof; 3.2 Thereafter, you will be required to register on our system. 3.3 By proceeding with registration, you are agreeing that you have accepted our Terms and Conditions on our official website. 3.3.1 Furthermore, you will be deemed to have read, understood and accepted these Terms and Conditions by following through all the prompts and completing a request transaction; 3.4 By accessing our system and completing a request, you agree to comply with and be bound by these Terms and Conditions and you affirm that these Terms and Conditions herein are without prejudice to any right that PCUL may have with respect to the services or products offered in Law or otherwise. 3.5 The Borrower acknowledges that he or she fully understands the provisions of this Agreement and has entered into it voluntarily for his or her own benefit. 3.6 By accepting these Terms and Conditions, you authorize PCUL to access your credit history from a registered Credit Reference Bureau. 3.7 These Terms and Conditions may be amended or varied by PCUL from time to time and the completion of requests and continued use of this service constitutes your agreement to be bound by the terms of any such amendment or variation. 3.8 If you believe that our records contain inaccurate or incomplete information about you, please visit any of our branches to make the necessary amendments. Some changes will only be made once the necessary supporting documentation has been availed. We will take reasonable steps to investigate your concerns and correct inaccurate or complete incomplete information in a timely manner. 3.9 The Borrower hereby gives Platinum Credit(PCUL) the authority to cross check the borrower’s employment status or history with his/her employer. The Borrower shall notify PCUL of any changes in his/her employment status whether to; salary, employment terms and conditions, change of employer, and any other information deemed necessary for processing and subsistence of the loan.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before applying to PCUL’s products on our system, open the M-Shwari Account via the M-PESA System you should first carefully read and understand these Terms and Conditions which will govern the use and operation of our system and the products and services accessible thereof; 3.2 Thereafter, you will be required to register on our systemM-Shwari Account. 3.3 By proceeding 3.2. If you do not agree with registration, you are agreeing that you have accepted our these Terms and Conditions Conditions, please click “Decline” on our official websitethe M-Shwari Menu. 3.3.1 Furthermore, you 3.3. You will be deemed to have read, understood and accepted these Terms and Conditions Conditions: 3.3.1. upon clicking on the “Accept” option on the M-Shwari Menu requesting you to confirm that you have read, understood and agreed to abide with these Terms and Conditions; and/or 3.3.2. by following through all using or continuing to use and operate the prompts and completing a request transaction;M-Shwari Account. 3.4 3.4. By accessing our system and completing a requestapplying to open the M-Shwari 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 M- Shwari Account and you affirm that these Terms and Conditions herein are without prejudice to any right that PCUL the Bank may have with respect to the services or products offered M-Shwari Account in Law law or otherwise. 3.5 The Borrower acknowledges that he or she fully understands the provisions of this Agreement and has entered into it voluntarily for his or her own benefit. 3.6 By accepting these Terms and Conditions, you authorize PCUL to access your credit history from a registered Credit Reference Bureau. 3.7 3.5. These Terms and Conditions including the Privacy terms may be amended or varied by PCUL the Bank from time to time and the completion of requests and continued Bank will issue you with a thirty (30) days’ notice prior to the change. Continued use of your M-Shwari Account after this service notice period constitutes your agreement to be bound by the terms of any such amendment or variation. 3.8 If 3.6. You acknowledge and accept that the Bank offers the M- Shwari Account only electronically and you believe agree to do business with the Bank and to operate the M-Shwari Account only by electronic means via the M-Shwari Menu on the M-PESA System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Customer Care Centre. For the avoidance of doubt, you acknowledge and accept that our records contain inaccurate you will not be allowed or incomplete information about you, please visit entitled to receive or demand the Services pertaining to the M- Shwari Account at any of our branch or branches to make the necessary amendments. Some changes will only be made once the necessary supporting documentation has been availed. We will take reasonable steps to investigate your concerns and correct inaccurate or complete incomplete information in a timely manner. 3.9 The Borrower hereby gives Platinum Credit(PCUL) the authority to cross check the borrower’s employment status or history with his/her employer. The Borrower shall notify PCUL of any changes in his/her employment status whether to; salary, employment terms and conditions, change of employer, and any other information deemed necessary for processing and subsistence of the loanBank unless otherwise advised by the Bank in its sole discretion. You further acknowledge and accept that the Customer Care 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 PCUL’s products on downloading or streaming the App, or opening an account with Pata Mkopo (“Account”) via our systemmobile, USSD and web-based loan services system (“System”) you should first carefully read and understand these Terms and Conditions which will govern the use and operation of our system the App and the products and services accessible thereof;Account. 3.2 ThereafterAfter downloading the App, you will be required deemed to register accept the Terms and Conditions upon clicking or checking the “Accept” option on our systemPata Mkopo’s System asking you to confirm that you have read, understood and agreed to abide by these Terms and Conditions. 3.3 By proceeding If you do not agree with registration, you are agreeing that you have accepted our these Terms and Conditions on our official websiteConditions: (a) please click the “Decline” option in Pata Mkopo’s System; or (b) do not resend back to us the unique code sent to you by SMS; or (c) do not respond in any way or progress with the downloading, installation or application. 3.3.1 Furthermore, you 3.4 You will be deemed to have read, understood and accepted these Terms and Conditions Conditions: (a) downloading and installing the App; and/or (b) upon sending back by following through all SMS the prompts unique code sent to you; and/or (c) upon registration of an Account; and/or (d) by using or continuing to use and completing a request transaction;operate the Account. 3.4 3.5 Please note that you will not be able to access the Services if you decline the Terms and Conditions. 3.6 By accessing our system downloading and completing a requestinstalling the App and opening an Account with Pata Mkopo, you agree to comply with and be bound by these the Terms and Conditions governing the operation of the Account and you affirm that these the Terms and Conditions herein are without prejudice to any other right that PCUL Pata Mkopo may have with respect to the services or products offered Account in Law law or otherwise. 3.5 The Borrower acknowledges that he or she fully understands the provisions of this Agreement and has entered into it voluntarily for his or her own benefit. 3.6 By accepting these Terms and Conditions, you authorize PCUL to access your credit history from a registered Credit Reference Bureau. 3.7 These Terms and Conditions may be amended or varied by PCUL Pata Mkopo from time to time and the completion of requests and continued use of this service the Services constitutes your express agreement to be bound by the terms of any such amendment or variation. 3.8 If you believe that our records contain inaccurate or incomplete information about you, please visit any of our branches to make the necessary amendments. Some changes will only be made once the necessary supporting documentation has been availed. We will take all reasonable steps measures to investigate your concerns notify you of any such changes. 3.8 From time to time updates to the App may be issued through the website. Depending on the nature of the update, you may not be able to use the Services until you have downloaded or streamed the latest version of the App and correct inaccurate or complete incomplete information in a timely manneraccepted any updated version of these Terms and Conditions, if any. 3.9 The Borrower hereby gives Platinum Credit(PCUL) By using the authority App or any of the Services, you consent to cross check us collecting and using technical information about the borrower’s employment status Equipment and related software, hardware and peripherals for Services that are internet-based or history with his/her employerwireless to improve our products and to provide any Services to you. The Borrower shall notify PCUL of any changes in his/her employment status whether to; salaryIf you use the Services, employment terms you consent to us and conditionsour affiliates' and licensees' transmission, change of employercollection, and any other information deemed necessary for sharing, disclosure, retention, maintenance, processing and subsistence use of your data to determine our credit scoring services or to improve our Services and/or your experience while using the loanApp.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before applying to PCUL’s products on our system, open the M-Shwari Account via the M-PESA System you should first carefully read and understand these Terms and Conditions which will govern the use and operation of our system and the products and services accessible thereof; 3.2 Thereafter, you will be required to register on our systemM-Shwari Account. 3.3 By proceeding 3.2. If you do not agree with registration, you are agreeing that you have accepted our these Terms and Conditions Conditions, please click “Decline” on our official websitethe M-Shwari Menu. 3.3.1 Furthermore, you 3.3. You will be deemed to have read, understood and accepted these Terms and Conditions Conditions: 3.3.1. upon clicking on the “Accept” option on the M-Shwari Menu requesting you to confirm that you have read, understood and agreed to abide with these Terms and Conditions; and/or 3.3.2. by following through all using or continuing to use and operate the prompts and completing a request transaction;M-Shwari Account. 3.4 3.4. By accessing our system and completing a requestapplying to open the M-Shwari 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 M- Shwari Account and you affirm that these Terms and Conditions herein are without prejudice to any right that PCUL the Bank may have with respect to the services or products offered in Law or otherwise.M-Shwari 3.5 The Borrower acknowledges that he or she fully understands the provisions of this Agreement and has entered into it voluntarily for his or her own benefit. 3.6 By accepting these Terms and Conditions, you authorize PCUL to access your credit history from a registered Credit Reference Bureau. 3.7 3.5. These Terms and Conditions including the Privacy terms may be amended or varied by PCUL the Bank from time to time and the completion of requests and continued Bank will issue you with a thirty (30) days’ notice prior to the change. Continued use of your M-Shwari Account after this service notice period constitutes your agreement to be bound by the terms of any such amendment or variation. 3.8 If 3.6. You acknowledge and accept that the Bank offers the M- Shwari Account only electronically and you believe agree to do business with the Bank and to operate the M-Shwari Account only by electronic means via the M-Shwari Menu on the M-PESA System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Customer Care Centre. For the avoidance of doubt, you acknowledge and accept that our records contain inaccurate you will not be allowed or incomplete information about you, please visit entitled to receive or demand the Services pertaining to the M- Shwari Account at any of our branch or branches to make the necessary amendments. Some changes will only be made once the necessary supporting documentation has been availed. We will take reasonable steps to investigate your concerns and correct inaccurate or complete incomplete information in a timely manner. 3.9 The Borrower hereby gives Platinum Credit(PCUL) the authority to cross check the borrower’s employment status or history with his/her employer. The Borrower shall notify PCUL of any changes in his/her employment status whether to; salary, employment terms and conditions, change of employer, and any other information deemed necessary for processing and subsistence of the loanBank unless otherwise advised by the Bank in its sole discretion. You further acknowledge and accept that the Customer Care 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 PCUL’s products on our system, you should first carefully read and understand these Terms and Conditions which will govern the use and operation of our system and the products and services accessible thereof; 3.2 Thereafter, you will be required to register on our system. 3.3 By proceeding with registration, you are agreeing that you have accepted our Terms and Conditions on our official website. 3.3.1 Furthermore, you will be deemed to have read, understood and accepted these Terms and Conditions by following through all the prompts and completing a request transaction; 3.4 By accessing our system and completing a request, you agree to comply with and be bound by these Terms and Conditions and you affirm that these Terms and Conditions herein are without prejudice to any right that PCUL may have with respect to the services or products offered in Law or otherwise. 3.5 The Borrower acknowledges that he or she fully understands the provisions of this Agreement and has entered into it voluntarily for his or her own benefit. 3.6 By accepting these Terms and Conditions, you authorize PCUL to access your credit history from a registered Credit Reference Bureau. 3.7 These Terms and Conditions may be amended or varied by PCUL from time to time and the completion of requests and continued use of this service constitutes your agreement to be bound by the terms of any such amendment or variation. 3.8 If you believe that our records contain inaccurate or incomplete information about you, please visit any of our branches to make the necessary amendments. Some changes will only be made once the necessary supporting documentation has been availed. We will take reasonable steps to investigate your concerns and correct inaccurate or complete incomplete information in a timely manner. 3.9 The Borrower hereby gives Platinum Credit(PCUL) the authority to cross check the borrower’s employment status or history with his/her employer. The Borrower shall notify PCUL of any changes in his/her employment status whether to; salary, employment terms and conditions, change of employer, and any other information deemed necessary for processing and subsistence of the loan. 3.10 The borrower hereby commits to use the loan for economic activity that is lawful and warrants that they will adhere to all relevant environmental laws, including those related to waste disposal and the proper handling of hazardous and toxic materials. 3.11 The borrower hereby warrants that they fully comply with all applicable international and national laws, including but not limited to: (i) human rights, (ii) embargoes, arms control, drug trafficking, and counterterrorism regulations, (iii) health and safety standards for employees and third parties,

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before applying to PCUL’s products on our system, open the VIKOBA Account via the Airtel Money System you should first carefully read and understand these Terms and Conditions of Use which will govern the use and operation of our system and the products and services accessible thereof; 3.2 Thereafter, you will be required to register on our systemVIKOBA Account. 3.3 By proceeding 3.2. If you do not agree with registrationthese Conditions of Use, you are agreeing that you have accepted our Terms and Conditions please click “Decline” on our official websitethe VIKOBA Menu. 3.3.1 Furthermore, you 3.3. You will be deemed to have read, understood and accepted these Terms and Conditions: - 3.3.1. upon clicking on the “Accept” option on the VIKOBA Menu requesting you to confirm that you have read, understood and agreed to abide with these Conditions by following through all of Use; and/or 3.3.2. By using or continuing to use and operate the prompts and completing a request transaction;VIKOBA Account. 3.4 3.4. By accessing our system and completing a requestapplying to open the VIKOBA Account with the us, you agree to comply with and be bound by these Terms Conditions of Use for the time being and Conditions from time to time in force governing the operation of the VIKOBA Account and you affirm that these Terms and Conditions of Use herein are without prejudice to any right that PCUL we may have with respect to the services or products offered VIKOBA Account in Law law or otherwise. 3.5 The Borrower acknowledges that he or she fully understands the provisions 3.5. These Conditions of this Agreement and has entered into it voluntarily for his or her own benefit. 3.6 By accepting these Terms and Conditions, you authorize PCUL to access your credit history from a registered Credit Reference Bureau. 3.7 These Terms and Conditions Use may be amended or varied by PCUL us from time to time and the completion of requests and continued use of this service your VIKOBA Account constitutes your agreement to be bound by the terms of any such amendment or variation. 3.8 If 3.6. You acknowledge and accept that we offer the VIKOBA Account only electronically and you believe agree to do business with us and to operate the VIKOBA Account only by electronic means via the VIKOBA Menu on the VIKOBA System. Any query and complaint you may have relating to the Services shall be addressed to us through the Customer Care Centre. For the avoidance of doubt, you acknowledge and accept that our records contain inaccurate you will not be allowed or incomplete information about you, please visit entitled to receive or demand the Services pertaining to the VIKOBA Account at any of our branch or branches to make the necessary amendments. Some changes will only be made once the necessary supporting documentation has been availed. We will take reasonable steps to investigate your concerns and correct inaccurate or complete incomplete information in a timely manner. 3.9 The Borrower hereby gives Platinum Credit(PCUL) the authority to cross check the borrower’s employment status or history with his/her employer. The Borrower shall notify PCUL of any changes in his/her employment status whether to; salary, employment terms and conditions, change of employer, and any other information deemed necessary for processing and subsistence of the loanBank or Airtel Money unless otherwise advised by the us in our sole discretion. You further acknowledge and accept that the Customer Care 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.