Common use of REGISTRATION AND ACCEPTANCE Clause in Contracts

REGISTRATION AND ACCEPTANCE. 2.1 By registering for the App and applying for a Card, You agree and acknowledge that You accept the terms and conditions of this Agreement and, further, represent and warrant that You are of full legal age (18 years), or are emancipated or have Your guardian’s or parent’s consent to enter into this Agreement and are a lawful resident of South Africa. Registration will involve providing Us with certain information, including but not limited to Your full name, mobile number, identification document/passport document, identification number/passport number, date of birth, facial recognition data and email address. Any application for a Card is subject to Our and the Bank’s approval criteria and may be declined in Our sole discretion. 2.2 The Bank may, in order to meet its regulatory obligations (including, but not limited to, anti- money laundering and know-your-client requirements), request that We obtain additional information and documentation from You after the approval of Your application. You agree to provide such information to Us. 2.3 At the time of registration, You Consent to Us processing Your Personal Information for the following purposes: 2.3.1 Verifying Your identity; 2.3.2 Providing the financial products and services in terms of this Agreement; 2.3.3 Fraud prevention and detection; 2.3.4 Market research and statistical analysis; 2.3.5 Audit and record keeping purposes; 2.3.6 To comply with legal and regulatory requirements, including to detect and prevent money laundering; 2.3.7 Sharing with service providers who We engage with to process information on Our behalf; 2.4 You Consent to Us performing certain checks on Your Personal Information provided to Us in order to meet Our obligations under Relevant Law and Our internal risk policies. These checks include identity verification with the South African Department of Home Affairs, credit checks and sanction screening for anti-money laundering purposes. You expressly Consent to Us performing a credit check for the purposes of displaying Your credit score in the App and providing relevant Services and offers to You. We will not share Your credit score information with third parties (including Third Party Merchants) unless you specifically Consent to this at the time of opting-in to a Selected Merchant’s offering through the App.

REGISTRATION AND ACCEPTANCE. 2.1 1. By registering for the App and applying for a Card, You agree and acknowledge that You accept the terms and conditions of this Agreement and, further, represent and warrant that You are of full legal age (18 years), or are emancipated or have Your guardian’s or parent’s consent to enter into this Agreement and are a lawful resident of South Africa. Registration will involve providing Us with certain information, including but not limited to Your full name, mobile number, identification document/passport document, identification number/passport number, date of birth, facial recognition data and email address. Any application for a Card is subject to Our and the Bank’s approval criteria and may be declined in Our sole discretion. 2.2 2. The Bank may, in order to meet its regulatory obligations (including, but not limited to, anti- including anti-money laundering and know-your-client requirements), request that We obtain additional information and documentation from You after the approval of Your application. You agree to provide such information to Us. 2.3 3. At the time of registration, You Consent to Us processing Your Personal Information for the following purposes: 2.3.1 1. Verifying Your identity; 2.3.2 2. Providing the financial products and services in terms of this Agreement; 2.3.3 3. Fraud prevention and detection; 2.3.4 4. Market research and statistical analysis; 2.3.5 5. Audit and record keeping purposes; 2.3.6 6. To comply with legal and regulatory requirements, including to detect and prevent money laundering; 2.3.7 7. Sharing with service providers who We engage with to process information on Our behalf; 2.4 4. You Consent to Us performing certain checks on Your Personal Information provided to Us in order to meet Our obligations under Relevant Law and Our internal risk policies. These checks include identity verification with the South African Department of Home Affairs, credit checks and sanction screening for anti-money laundering purposes. You expressly Consent to Us performing a credit check for the purposes of displaying Your credit score in the App and providing relevant Services and offers to You. We will not share Your credit score information with third parties (including Third Party Merchants) unless you specifically Consent to this at the time of opting-in to a Selected Merchant’s offering through the App.

REGISTRATION AND ACCEPTANCE. 2.1 By registering for the App and applying for a Card, You agree and acknowledge that You accept the terms and conditions of this Agreement and, further, represent and warrant that You are of full legal age (18 years), or are emancipated or have Your guardian’s or parent’s consent to enter into this Agreement and are a lawful resident of South Africa. Registration will involve providing Us with certain information, including which may include, but not be limited to (depending on whether you are a full Spot User or Spot Lite User), Your full name, mobile number, identification document/passport document, identification number/passport number, date of birth, facial recognition data and email address. Any application for a Card is subject to Our and the Bank’s approval criteria and may be declined in Our sole discretion. 2.2 The Bank may, in order to meet its regulatory obligations (including, but not limited to, anti- money antimoney laundering and know-your-client requirements), request that We obtain additional information and documentation from You after the approval of Your application. You agree to provide such information to Us. 2.3 At the time of registration, You Consent to Us processing Your Personal Information for the following purposes: 2.3.1 Verifying Your identity; 2.3.2 Providing the financial products and services you’ve subscribed to in terms of this Agreement; 2.3.3 Fraud prevention and detection; 2.3.4 Market research and statistical analysis; 2.3.5 Audit and record keeping purposes; 2.3.6 To comply with legal and regulatory requirements, including to detect and prevent money laundering; 2.3.7 Sharing with service providers who We engage with to process information on Our behalf; 2.4 You Consent to Us performing certain checks on Your Personal Information provided to Us in order to meet Our obligations under Relevant Law and Our internal risk policies. These checks include identity verification with the South African Department of Home Affairs, credit checks and sanction screening for anti-money laundering purposes. You expressly Consent to Us performing a credit check for the purposes of displaying Your credit score in the App and providing relevant Services and offers to You. We will not share Your credit score information with third parties (including Third Party Merchants) unless you specifically Consent to this at the time of opting-in to a Selected Merchant’s offering through the App.

REGISTRATION AND ACCEPTANCE. 2.1 By registering for the App and applying for a Card, You agree and acknowledge that You accept the terms and conditions of this Agreement and, further, represent and warrant that You are of full legal age (18 years), or are emancipated or have Your guardian’s or parent’s consent to enter into this Agreement and are a lawful resident of South Africa. Registration will involve providing Us with certain information, including which may include, but not be limited to (depending on whether you are a full Spot User or Spot Lite User), Your full name, mobile number, identification document/passport document, identification number/passport number, date of birth, facial recognition data and email address. Any application for a Card is subject to Our and the Bank’s approval criteria and may be declined in Our sole discretion. 2.2 The Bank may, in order to meet its regulatory obligations (including, but not limited to, anti- money laundering and know-your-client requirements), request that We obtain additional information and documentation from You after the approval of Your application. You agree to provide such information to Us. 2.3 At the time of registration, You Consent to Us processing Your Personal Information for the following purposes: 2.3.1 Verifying Your identity; 2.3.2 Providing the financial products and services you’ve subscribed to in terms of this Agreement; 2.3.3 Fraud prevention and detection; 2.3.4 Market research and statistical analysis; 2.3.5 Audit and record keeping purposes; 2.3.6 To comply with legal and regulatory requirements, including to detect and prevent money laundering; 2.3.7 Sharing with service providers who We engage with to process information on Our behalf; 2.4 You Consent to Us performing certain checks on Your Personal Information provided to Us in order to meet Our obligations under Relevant Law and Our internal risk policies. These checks include identity verification with the South African Department of Home Affairs, credit checks and sanction screening for anti-money laundering purposes. You expressly Consent to Us performing a credit check for the purposes of displaying Your credit score in the App and providing relevant Services and offers to You. We will not share Your credit score information with third parties (including Third Party Merchants) unless you specifically Consent to this at the time of opting-in to a Selected Merchant’s offering through the App.