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

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before opting-in or registering for the Service, you should carefully read and understand these Conditions of Use as they govern the access, use and operations of the Service. These Conditions Of Use will be made available on ▇▇▇.▇▇▇▇▇▇▇.▇▇.▇▇ . Where you are unable to read and understand these Conditions Of Use from an electronic device you are requested to collect a printed version from a Vodacom Shop 3.2 If you do not agree with these Conditions of Use, please click “Decline” on the Opt-in Function. You will be deemed to have read, understood and accepted these Conditions of Use; Upon clicking on the “Accept” option on the Opt- in Function requesting you to confirm that you have read, understood and agreed to abide by these Conditions Of Use; and or by using or continuing to use and requesting for the Service. 3.3 By registering for the Service, you agree to comply with and be bound by these Conditions of Use as amended and revised from time to time and you affirm that these Conditions Of Use are without prejudice to any other rights that we may have in law or otherwise regarding your registration, access and use of the Service 3.4 We may from time to time vary or amend these Conditions of Use and your continued access and use of the Service constitutes your acceptance to be bound by the terms of any such amendment or variation. 3.5 By accepting these Terms and Conditions, you agree and admit that we reserve the exclusive right to contact you by phone and or text message about issues concerning your insurance loan including but not limited to repayment reminders and insurance cover cancellation.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 2.1. Before opting-in or registering applying for the Service, NaSova via the Airtel Money System you should carefully read and understand these Terms and Conditions of Use as they (T&Cs) which will govern the access, use and operations operation of the Servicesaid services. 2.2. These Conditions Of Use will be made available on ▇▇▇.▇▇▇▇▇▇▇.▇▇.▇▇ . Where you are unable to read and understand these Conditions Of Use from an electronic device you are requested to collect a printed version from a Vodacom Shop 3.2 If you do not agree with these Conditions of UseTerms and Conditions, please click “Decline” on the Opt-in FunctionNaSova Menu. 2.3. You will be deemed to have read, understood understood, and accepted these Conditions of Use; Upon Terms and Conditions: - 2.3.1. upon clicking on the “Accept” option on the Opt- in Function ABC Menu requesting you to confirm that you have read, understood understood, and agreed to abide by these Conditions Of UseTerms and Conditions; and or by and/or 2.3.2. By using or continuing to use and requesting operate the NaSova.. 2.4. By applying for the Service. 3.3 By registering for the ServiceNaSova , you agree to comply with and be bound by these Terms and Conditions of Use as long as you have access to the services and you affirm that these Terms and Conditions herein are without prejudice to any right that the service provider may have with respect to the said services in law or otherwise. 2.5. These Terms and Conditions may be amended and revised or varied by the service provider from time to time and you affirm that these Conditions Of Use are without prejudice to any other rights that we may have in law or otherwise regarding your registration, access and the continued use of the Service 3.4 We may from time to time vary or amend these Conditions of Use and your continued access and use of the Service NaSova constitutes your acceptance agreement to be bound by the terms of any such amendment or variation. 3.5 By accepting these Terms 2.6. You acknowledge and Conditionsaccept that the service provider offers the NaSova only electronically and you agree to do business with the service provider and to operate the NaSova only by electronic means via the NaSova Menu on the Airtel Money System. Any query and complaint you may have related to the NaSova shall be addressed to the service provider through the Customer Call Centre. For the avoidance of doubt, you agree acknowledge and admit accept that we reserve you will not be allowed or entitled to receive or demand the exclusive right Services pertaining to contact you NaSova at any branch or branches of the Bank unless otherwise advised by phone the service provider in its sole discretion. You further acknowledge and accept that the Customer Call Centre is not a branch of the service provider or text message about issues concerning your insurance loan including but the service provider’s Agent for purposes of conducting banking business or transactions and that it will not limited to repayment reminders and insurance cover cancellationact as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before opting-in or registering for the Service, you should carefully read and understand these Conditions of Use terms and conditions as they govern the access, use and operations operation of the Service. These Terms and Conditions Of Use will be made are available on ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇.▇▇ and ▇▇▇.▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇. Where you are unable to read and understand these Conditions Of Use terms and conditions from an electronic device you are requested to collect a printed version from a Vodacom Safaricom Shop. 3.2 3.2. You may only access this Service upon upgrading your M-PESA Account to a transacting till wallet as per our Lipa na M-PESA Terms and Conditions. 3.3. If your M-PESA Account is issued by a Safaricom aggregator partner or agent, you may not access the Service unless you register directly using Safaricom M-PESA Business Till onboarding processes in accordance with the latest Lipa na M-PESA Terms and Conditions. 3.4. If you do not agree with these Conditions of Useterms and conditions, please click “Decline” on the Opt-in Function. 3.5. You will be deemed to have read, understood and accepted these Conditions of Use; Upon terms and conditions: 3.5.1. upon clicking on the “Accept” option on the Opt- Opt-in Function page requesting you to confirm that you have read, understood and agreed to abide by these Conditions Of Useterms and conditions; and or or 3.5.2. by using or continuing to use and requesting for the Service. 3.3 3.6. By registering for the Service, you agree to comply with and be bound by these Conditions of Use terms and conditions as amended and revised from time to time and you affirm that these Conditions Of Use terms and conditions are without prejudice to any other rights that we may have in law or otherwise regarding your registration, access and use of the Service. 3.4 3.7. We may from time to time vary or amend these Conditions of Use terms and conditions and your continued access and use of the Service constitutes your acceptance to be bound by the terms of any such amendment or variation. 3.5 By accepting these Terms and Conditions, you agree and admit that we reserve the exclusive right to contact you by phone and or text message about issues concerning your insurance loan including but not limited to repayment reminders and insurance cover cancellation.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before opting-in or registering for the Service, you should carefully read and understand these Conditions of Use as they govern the access, use terms and operations of the Serviceconditions. These Terms and Conditions Of Use will be made are available on the respective websites of Safaricom and DTB at ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇.▇▇ . and ▇▇▇▇▇://▇▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇/. Where you are unable to read and understand these Conditions Of Use terms and conditions from an electronic device you are requested to collect a printed version from a Vodacom ShopSafaricom shop. 3.2 3.2. If you do not agree with these Conditions of Useterms and conditions, please click “Decline” on the Opt-in Function. At any point after registering for the Service, you may opt out of the Service using the Opt-Out Function, subject to having cleared all outstanding loans and any applicable interest, fees and other charges. 3.3. You will be deemed to have read, understood and accepted these Conditions of Use; Upon terms and conditions: 3.3.1. upon clicking on the “Accept” option on the Opt- Opt-in Function page requesting you to confirm that you have read, understood and agreed to abide by these Conditions Of Useterms and conditions; and or or 3.3.2. by using or continuing to use and requesting for the Service. 3.3 By registering for the Service, you agree to comply with 3.4. The rights and be bound by remedies provided in these Terms and Conditions of Use as amended and revised from time to time and you affirm that these Conditions Of Use are without prejudice to any other rights and remedies that we may have in law or otherwise regarding your registration, access and use of the Service. 3.4 3.5. We may from time to time vary or amend these Conditions of Use terms and conditions and your continued access and use of the Service constitutes your acceptance to be bound by the terms of any such amendment or variation. 3.5 By accepting these Terms 3.6. Any addition or alteration to this Agreement may be made from time to time by DTB and Conditions, you agree and admit that we reserve the exclusive right of which notice of 15 days shall be given to contact you by phone way of publication. Upon such addition, variation or modification, the amended Agreement shall be binding upon you as fully as if the same were contained in this Agreement. 3.7. It is your responsibility to review the terms of this Agreement regularly and to ensure that you understand any amendments made to them. 3.8. You are solely responsible for seeking independent legal advice on the legal consequences of entering this Agreement. You understand and accept that the cost of obtaining legal advice is to be borne by you and not DTB. 3.9. If you have any questions or text message about issues concerning your insurance loan including but not limited inquiries in relation to repayment reminders and insurance cover cancellation.this Agreement, please contact DTB’s customer care

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 2.1. Before opting-in or registering applying for the Service, ZED-FIN Loan via the MoMo System you should carefully read and understand these Terms and Conditions of Use as they (T&Cs). These T&Cs will govern the access, use and operations operation of the Servicesaid services. 2.2. These Conditions Of Use will be made available on ▇▇▇.▇▇▇▇▇▇▇.▇▇.▇▇ . Where you are unable to read and understand these Conditions Of Use from an electronic device you are requested to collect a printed version from a Vodacom Shop 3.2 If you do not agree with these Conditions of UseTerms and Conditions, please click “Decline” on the OptZED-in FunctionFIN Menu. 2.3. You will be deemed to have read, understood understood, and accepted these Terms and Conditions of Use; Upon upon clicking on the “Accept” option on the Opt- in Function ZED-FIN Loan menu requesting you to confirm that you have read, understood understood, and agreed to abide by these Conditions Of Use; Terms and or by using or continuing to use and requesting Conditions. 2.4. By applying for the Service. 3.3 By registering for the ServiceZED-FIN Loan, you agree to comply with and be bound by these Terms and Conditions of Use as long as you have access to the services and you affirm that these Terms and Conditions are without prejudice to any right that Zed-Fin may have with respect to the said services in law or otherwise. 2.5. These Terms and Conditions may be amended and revised or varied by Zed-Fin from time to time and you affirm that these Conditions Of Use are without prejudice to any other rights that we will be communicated on the Zed-Fin Website as the case may have in law or otherwise regarding your registration, access and be. The continued use of the Service 3.4 We may from time to time vary or amend these Conditions of Use and your continued access and use of the Service ZED-FIN Loans constitutes your acceptance agreement to be bound by the terms of any such amendment or variation. 3.5 By accepting these Terms 2.6. You acknowledge and Conditionsaccept that Zed-Fin offers the ZED-FIN Loans only electronically and you agree to do business with Zed-Fin for the purpose of accessing ZED-FIN Loans only by electronic means via the ZED- FIN Loans Menu on the MoMo Platform. 2.7. If you want to lodge any complaint regarding the Service, you agree may contact MMM as follows: 2.7.1. Email: ▇▇▇▇▇▇▇▇▇▇▇.▇▇@▇▇▇.▇▇▇ 2.7.2. Call the Customer Care number: 111 2.7.3. Visit any of our designated service centers and admit connect stores 2.8. For the avoidance of doubt, you acknowledge and accept that we reserve you will not be allowed or entitled to receive or demand the exclusive right Services pertaining to contact you ZED-FIN Loans at any branch or branches of Zed-Fin unless otherwise advised by phone Zed-Fin in its sole discretion. You further acknowledge and accept that the Customer Call Centre is not a branch of Zed-Fin or text message about issues concerning your insurance loan including but Zed-Fin’s Agent for purposes of conducting transactions and that it will not limited to repayment reminders act as such. All complaints submitted via the channels stipulated in 2.7 will be resolved in timelines not exceeding industry standard and insurance cover cancellationin line with the Bank of Zambia Customer Complaints Directives.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before opting-in or registering for the Service, you should carefully read and understand these Conditions of Use terms and conditions as they govern the access, use and operations operation of the Service. These Terms and Conditions Of Use will be made are available on ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇.▇▇ and ▇▇▇.▇▇▇▇▇▇▇▇.▇▇▇. Where you are unable to read and understand these Conditions Of Use terms and conditions from an electronic device you are requested to collect a printed version from a Vodacom Safaricom Shop. 3.2 3.2. You may only access this Service upon upgrading your M-PESA Account to a transacting till wallet as per our Lipa na M-PESA Terms and Conditions. 3.3. If your M-PESA Account is issued by a Safaricom aggregator partner or agent, you may not access the Service unless you register directly using Safaricom M-PESA Business Till onboarding processes in accordance with the latest Lipa na M- PESA Terms and Conditions. 3.4. If you do not agree with these Conditions of Useterms and conditions, please click “Decline” on the Opt-in Function. 3.5. You will be deemed to have read, understood and accepted these Conditions of Use; Upon terms and conditions: 3.5.1. upon clicking on the “Accept” option on the Opt- Opt-in Function page requesting you to confirm that you have read, understood and agreed to abide by these Conditions Of Useterms and conditions; and or or 3.3.2. by using or continuing to use and requesting for the Service. 3.3 3.4. By registering for the Service, you agree to comply with and be bound by these Conditions of Use terms and conditions as amended and revised from time to time and you affirm that these Conditions Of Use terms and conditions are without prejudice to any other rights that we may have in law or otherwise regarding your registration, access and use of the Service. 3.4 3.5. We may from time to time vary or amend these Conditions of Use terms and conditions and your continued access and use of the Service constitutes your acceptance to be bound by the terms of any such amendment or variation. 3.5 By accepting these Terms and Conditions, you agree and admit that we reserve the exclusive right to contact you by phone and or text message about issues concerning your insurance loan including but not limited to repayment reminders and insurance cover cancellation.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 2.1. Before opting-in or registering applying for the Service, ZED-FIN Loan via the Airtel Money System you should carefully read and understand these Terms and Conditions of Use as they (T&Cs). These T&Cs will govern the access, use and operations operation of the Servicesaid services. 2.2. These Conditions Of Use will be made available on ▇▇▇.▇▇▇▇▇▇▇.▇▇.▇▇ . Where you are unable to read and understand these Conditions Of Use from an electronic device you are requested to collect a printed version from a Vodacom Shop 3.2 If you do not agree with these Conditions of UseTerms and Conditions, please click “Decline” on the OptZED-in FunctionFIN Menu. 2.3. You will be deemed to have read, understood understood, and accepted these Terms and Conditions of Use; Upon upon clicking on the “Accept” option on the Opt- in Function ZED-FIN Loan menu requesting you to confirm that you have read, understood understood, and agreed to abide by these Conditions Of Use; Terms and or by using or continuing to use and requesting Conditions. 2.4. By applying for the Service. 3.3 By registering for the ServiceZED-FIN Loan, you agree to comply with and be bound by these Terms and Conditions of Use as long as you have access to the services and you affirm that these Terms and Conditions are without prejudice to any right that Zed-Fin may have with respect to the said services in law or otherwise. 2.5. These Terms and Conditions may be amended and revised or varied by Zed-Fin from time to time and you affirm that these Conditions Of Use are without prejudice to any other rights that we will be communicated on the Zed-Fin Website as the case may have in law or otherwise regarding your registration, access and be. The continued use of the Service 3.4 We may from time to time vary or amend these Conditions of Use and your continued access and use of the Service ZED-FIN Loans constitutes your acceptance agreement to be bound by the terms of any such amendment or variation. 3.5 By accepting these Terms 2.6. You acknowledge and Conditionsaccept that Zed-Fin offers the ZED-FIN Loans only electronically and you agree to do business with Zed-Fin for the purpose of accessing ZED-FIN Loans only by electronic means via the ZED- FIN Loans Menu on the Airtel Money Platform. 2.7. If you want to lodge any complaint regarding the Service, you agree may contact Airtel as follows 2.7.1. Call the Customer Care number: [111 ] 2.7.2. Visit any of our designated service centers and admit connect stores 2.8. For the avoidance of doubt, you acknowledge and accept that we reserve you will not be allowed or entitled to receive or demand the exclusive right Services pertaining to contact you ZED-FIN Loans at any branch or branches of Zed-Fin unless otherwise advised by phone Zed-Fin in its sole discretion. You further acknowledge and accept that the Customer Call Centre is not a branch of Zed-Fin or text message about issues concerning your insurance loan including but Zed-Fin’s Agent for purposes of conducting transactions and that it will not limited to repayment reminders act as such. All complaints submitted via the channels stipulated in 2.7 will be resolved in timelines not exceeding industry standard and insurance cover cancellationin line with the Bank of Zambia Customer Complaints Directives.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before opting-in or registering for the Service, you should carefully read and understand these Conditions of Use as they govern the access, use terms and operations of the Serviceconditions. These Terms and Conditions Of Use will be made are available on the respective websites of Safaricom and DTB at ▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇.▇▇ . and ▇▇▇▇▇://▇▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇/. Where you are unable to read and understand these Conditions Of Use terms and conditions from an electronic device you are requested to collect a printed version from a Vodacom ShopSafaricom shop. 3.2 3.2. If you do not agree with these Conditions of Useterms and conditions, please click “Decline” on the Opt-in Function. At any 2 3.3. You will be deemed to have read, understood and accepted these Conditions of Use; Upon terms and conditions: 3.3.1. upon clicking on the “Accept” option on the Opt- Opt-in Function page requesting you to confirm that you have read, understood and agreed to abide by these Conditions Of Useterms and conditions; and or or 3.3.2. by using or continuing to use and requesting for the Service. 3.3 By registering for the Service, you agree to comply with 3.4. The rights and be bound by remedies provided in these Terms and Conditions of Use as amended and revised from time to time and you affirm that these Conditions Of Use are without prejudice to any other rights and remedies that we may have in law or otherwise regarding your registration, access and use of the Service. 3.4 3.5. We may from time to time vary or amend these Conditions of Use terms and conditions and your continued access and use of the Service constitutes your acceptance to be bound by the terms of any such amendment or variation. 3.5 By accepting these Terms 3.6. Any addition or alteration to this Agreement may be made from time to time by DTB and Conditions, you agree and admit that we reserve the exclusive right of which notice of 15 days shall be given to contact you by phone way of publication. Upon such addition, variation or modification, the amended Agreement shall be binding upon you as fully as if the same were contained in this Agreement. 3.7. It is your responsibility to review the terms of this Agreement regularly and to ensure that you understand any amendments made to them. 3.8. You are solely responsible for seeking independent legal advice on the legal consequences of entering this Agreement. You understand and accept that the cost of obtaining legal advice is to be borne by you and not DTB. 3.9. If you have any questions or text message about issues concerning your insurance loan including but not limited inquiries in relation to repayment reminders and insurance cover cancellation.this Agreement, please contact DTB’s customer care