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

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before operating the Mobile Money Account via the MOBILE MONEY System you should carefully read, understand and accept these Terms and Conditions which will govern the use and operation of the Mobile Money Account. 3.2 If you do not agree with these Terms and Conditions, click “Decline” on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile Money Account. 3.3 You shall be deemed to have read, understood and accepted these Terms and Conditions:- 3.3.1 upon clicking on the “Accept” option on the Mobile Money 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 using or continuing to use and operate the Mobile Money Account. 3.4 By applying to open the Mobile 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 Mobile 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 Mobile 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 Mobile 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 Mobile Money Account only electronically and you agree to do business with the Bank and to operate the Mobile Money Account only via the Mobile Money System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact Centre 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 Mobile Money Account at any branch or branches of the 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 Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of conduction of banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before operating applying to access the Mobile Money Account Loan via the MOBILE MONEY KCB System you should carefully read, read and understand and accept these Terms and Conditions which will govern the use and operation of the KCB Mobile Money AccountLoan. 3.2 If you do not agree with these Terms and Conditions, please click “Decline” decline acceptance on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile Money Accountloan menu. 3.3 You shall will be deemed to have read, understood understood, and accepted these Terms and Conditions:-Conditions: - 3.3.1 upon Upon clicking on the “AcceptYes” option on the KCB Mobile Money Menu loan menu requesting you to confirm that you have read, understood read and agreed to abide with these accepted the Terms and ConditionsConditions as stated in the website xxx.xxxxxxxxxxxx.xxx; and/or 3.3.2 by using or Upon continuing to use and operate the KCB Mobile Money Loan Account. 3.4 By applying to open access the KCB Mobile Money Account 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 Money Account 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 Money Account 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 Money Account 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 Money Account loan only electronically and you agree to do business with the Bank and to operate the KCB Mobile Money Account Loan only by electronic means via the KCB Mobile Money 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 and through any Co-operative Bank BranchCentre. 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 Money Account loan at any branch or branches of the Bank, or via the Bank’s system Bank 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 Customer Care Contact Centre is not a branch of the Bank or the Bank’s Agent for purposes of conduction of banking conducting Banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before operating applying to open the Mobile Money Retailer Finance Loan Account via the MOBILE MONEY KCB System you should carefully read, read and understand and accept these Terms and Conditions which will govern the use and operation of the Mobile Money Retailer Finance Account. 3.2 If you do not agree with these Terms and Conditions, please click “Decline” decline acceptance on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile Money AccountRetailer Finance Menu. 3.3 You shall will be deemed to have read, understood understood, and accepted these Terms and Conditions:-Conditions: - 3.3.1 upon Upon clicking on the “AcceptYes” option on the Mobile Money Retailer finance Menu requesting you to confirm that you have read, understood read and agreed to abide with these accepted the Terms and ConditionsConditions as stated in the website xxx.xxxxxxxxxxxx.xxx; and/or 3.3.2 Upon registration of a Retailer financing loan account and/or by using or continuing to use and operate the Mobile Money Retailer Financing Loan Account. 3.4 By applying to open the Mobile Money 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 Mobile Money Retailer Loan 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 Mobile Money 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 Mobile Money 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 Mobile Money Account Retailer Loan Financing only electronically and you agree to do business with the Bank and to operate the Mobile Money Retailer Loan Financing Account only by electronic means via the Mobile Money Retailer Loan Financing Menu on the KCB Retailer Financing System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact Centre and through any Co-operative Bank BranchCentre. 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 Mobile Money Account Retailer loan financing at any branch or branches of the Bank, or via the Bank’s system Bank 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 Customer Care Contact Centre is not a branch of the Bank or the Bank’s Agent for purposes of conduction of banking conducting Banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before operating the Mobile Money Account applying to access KCB/Airtel Agent float financing via the MOBILE MONEY KCB/AIRTEL Agent float financing System you should carefully read, read and understand and accept these Terms and Conditions which will govern the use and operation of the Mobile Money AccountKCB/AIRTEL Agent float financing. 3.2 If you do not agree with these Terms and Conditions, please click “Decline” decline on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile Money AccountA i r te l ag e n t float financing menu. 3.3 You shall will be deemed to have read, understood understood, and accepted these Terms and Conditions:-Conditions: - 3.3.1 upon Upon clicking on the “AcceptYes” option on the Mobile Money Menu KCB/Airtel Agent float financing menu requesting you to confirm that you have read, understood read and agreed to abide with these accepted the Terms and ConditionsConditions as stated in the website xxx.xxxxxxxxxxxx.xxx; and/or 3.3.2 by using or Upon continuing to use and operate the Mobile Money AccountKCB/Airtel Agent float financing product. 3.4 By applying to open access the Mobile Money Account KCB/Airtel Agent float financing 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 Mobile Money Account KCB/Airtel Agent float financing product and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank KCB and AIRTEL may have with respect to the Mobile Money Account KCB/AIRTEL Agent float financing system in law or otherwise. 3.5 These Terms and Conditions may be amended or varied by the Bank KCB and AIRTEL from time to time and the continued use of your Mobile Money Account KCB/AIRTEL Agent float financing constitutes your agreement to be bound by the terms of any such amendment or variation. 3.6 You acknowledge and accept that the Bank bank and Telecom offers the Mobile Money Account KCB/AIRTEL Agent float financing only electronically and you agree to do business with the Bank bank and Telecom and to operate the Mobile Money Account KCB/AIRTEL Agent float financing only by electronic means via the Mobile Money Airtel Agent float financing Menu on the KCB/AIRTEL Agent float financing System. Any query and complaint you may have relating to the Services shall be addressed to the Bank bank and Telecom through the Contact Centre and through any Co-operative Bank BranchCentre. 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 Mobile Money Account KCB/AIRTEL Agent float financing at any branch or branches of the Bank, or via bank and service centers of the Bank’s system telecom unless and until you go through the stipulated KYC requirements or otherwise advised by the Bank and telecom in its sole discretion. You further acknowledge and accept that the Customer Care Contact Centre is not a branch of the Bank bank or the BankBanks’s Agent or Telecom service centers for purposes of conduction of banking conducting Banking business or transactions and that it will not act as such. 4.1 You hereby agree and authorize the Bank and Telecom to request NIRA for your personal information in pursuant to the agreement between you, the bank and Telecom for the provision of KCB/AIRTEL Agent float financing and services including your name, date of birth, ID or Passport Number and such other information that will enable the bank and Telecom to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). You also hereby agree and authorize the Bank and the telecom to request NIRA for information relating to your ID as the Bank and Telecom shall require for purposes of providing you the Services. You hereby consent to the disclosure of the Personal Information by NIRA to the Bank, Telecom and to the aforesaid use of the Personal Information by the Bank and Telecom. 4.2 You hereby agree and authorize the Bank and Telecom to obtain and procure your Personal Information contained in the NIRA from the Government of Uganda and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Uganda to the Bank and Telecom. 4.3 You hereby further acknowledge and authorize the Bank to verify your Personal Information received from the telecom a g a i n s t the information received from the Government of Uganda in your respect as contained in the NIRA. 4.4 The Bank and the telecom r e s e r v e s the right to request for further information from you pertaining to your application for KCB/AIRTEL Agent float financing at any time. Failure to provide such information within the time required by the Bank and Telecom may result in the Bank and T e l e c o m declining to accept your application for KCB/AIRTEL Agent Float financing. 4.5 Acceptance by the Bank and Telecom of your application for the KCB/AIRTEL Agent float financing s h a l l be done via SMS sent to the Agent Mobile Phone Number associated with the Telecom. 4.6 The Bank and Telecom reserves the right to decline your application for KCB/AIRTEL Agent float financing or to revoke the same at any stage at the Bank’s and Telecom’s sole discretion and without assigning any reason or giving any notice thereto.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before operating applying to open the Mobile Money VIKOBA Account via the MOBILE MONEY Airtel Money System you should carefully read, read and understand and accept these Terms and Conditions of Use which will govern the use and operation of the Mobile Money VIKOBA Account. 3.2 3.2. If you do not agree with these Terms and ConditionsConditions of Use, please click “Decline” on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile Money AccountVIKOBA Menu. 3.3 3.3. You shall will be deemed to have read, understood and accepted these Terms and Conditions:-Conditions: - 3.3.1 3.3.1. upon clicking on the “Accept” option on the Mobile Money VIKOBA Menu requesting you to confirm that you have read, understood and agreed to abide with these Terms and ConditionsConditions of Use; and/or 3.3.2 by 3.3.2. By using or continuing to use and operate the Mobile Money VIKOBA Account. 3.4 3.4. By applying to open the Mobile Money VIKOBA Account with the Bankus, you agree to comply with and be bound by these Terms and Conditions of Use for the time being and from time to time in force governing the operation of the Mobile Money VIKOBA Account and you affirm that these Terms and Conditions of Use herein are without prejudice to any right that the Bank we may have with respect to the Mobile Money VIKOBA Account in law or otherwise. 3.5 3.5. These Terms and Conditions of Use may be amended or varied by the Bank us from time to time and the continued use of your Mobile Money VIKOBA 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 we offer the Bank offers the Mobile Money VIKOBA Account only electronically and you agree to do business with the Bank us and to operate the Mobile Money VIKOBA Account only by electronic means via the Mobile Money VIKOBA Menu on the VIKOBA System. Any query and complaint you may have relating to the Services shall be addressed to the Bank us through the Contact Centre and through any Co-operative Bank BranchCustomer 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 Mobile Money VIKOBA Account at any branch or branches of the Bank, Bank or via the Bank’s system Airtel Money unless and until you go through the stipulated KYC requirements or otherwise advised by the Bank us in its 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 conduction 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 operating applying to open the WEF Mobile Money Savings and Loan Product Account via the MOBILE MONEY System you should carefully read, read and understand and accept these Terms and Conditions which will govern the use and operation of the WEF Mobile Money Savings and Loan Product Account. 3.2 3.2. If you do not agree with these Terms and Conditions, click please select the “No” or “Decline” option on the MOBILE MONEY Menu WEF Mobile Savings and you Loan Product Menu. You will not be allowed to operate your Mobile Money Account. 3.3 You shall be deemed to have read, understood understood, and accepted these Terms and Conditions:-Conditions: - 3.3.1 upon clicking on 3.2.1. Upon selecting the “Yes” or “Accept” option on the WEF Mobile Money Savings and Loan Product Menu requesting you to confirm that you have read, understood read and agreed to abide with these accepted the Terms and ConditionsConditions as stated on the website xxxxx://xxx.xxx.xx.xx and on the Safaricom website at xxxxx://xxx.xxxxxxxxx.xx.xx/media-center- landing/terms-and-conditions; and/or 3.3.2 3.2.2. Upon registration of a WEF Mobile Savings and Loan Product Account and/or by using or continuing to use and operate the WEF Mobile Money AccountSavings and Loan Product account. 3.4 3.3. By applying to open the WEF Mobile Money Savings and Loan Product Account with the BankWEF, 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 WEF Mobile Money Savings and Loan Product Account and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank WEF may have with respect to the WEF Mobile Money Savings and Loan Product Account in law or otherwise. 3.5 3.4. These Terms and Conditions may be amended or varied by the Bank WEF from time to time and the continued use of your Mobile Money Account constitutes your agreement to be bound by the terms of any such amendment or variationtime. 3.6 3.5. You acknowledge and accept that WEF shall offer the Bank offers the WEF Mobile Money Savings and Loan Product Account only electronically and you agree to do business with the Bank WEF and to operate the WEF Mobile Money Savings and Loan Product Account only by electronic means via the WEF Mobile Money SystemSavings and Loan Product menu on the Access Channels. Any query and complaint you may have relating to the Services shall be addressed to the Bank WEF through the Contact Centre and through any Co-operative Bank BranchCentre. 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 WEF Mobile Money Savings and Loan Product Account at any branch or branches of the Bank, or via the Bank’s system WEF unless and until you go through the stipulated KYC requirements or otherwise advised by the Bank WEF in its sole discretion. You further acknowledge and accept that the Customer Care Contact Centre is not a branch of the Bank WEF or the BankWEF’s Agent for purposes of conduction of banking conducting FinTech business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before operating applying to open the KCB Mobile Money Loan Account via the MOBILE MONEY KCB Mobile System you should carefully read, read and understand and accept these Terms and Conditions which will govern the use and operation of the KCB Mobile Money Loan Account. 3.2 3.2. If you do not agree with these Terms and Conditions, click please select “DeclineNo” on the MOBILE MONEY Menu and you will not be allowed to operate your KCB Mobile Money AccountLoan Menu. 3.3 3.3. You shall will be deemed to have read, understood understood, and accepted these Terms and Conditions:-Conditions: - 3.3.1 upon clicking on the 3.3.1. Upon selecting “AcceptYes” option on the KCB Mobile Money Loan Menu requesting you to confirm that you have read, understood read and agreed to abide with these accepted the Terms and ConditionsConditions as stated on the website xxxxx://xx.xxxxxxxx.xxx; 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 Money Loan Account. 3.4 3.4. By applying to open the KCB Mobile Money 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 Money Loan 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 Money 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 Mobile Money Account 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 Money Loan Account only electronically and you agree to do business with the Bank and to operate the KCB Mobile Money Loan Account only by electronic means via the KCB Mobile Money Loan menu on the KCB Mobile System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact Centre and through any Co-operative Bank BranchCentre. 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 Money Loan Account at any branch or branches of the Bank, or via the Bank’s system Bank 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 Customer Care Contact Centre is not a branch of the Bank or the Bank’s Agent for purposes of conduction of banking conducting Banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 3.1. Before operating applying to open the KCB Mobile Money Loan Account via the MOBILE MONEY Vooma System you should carefully read, read and understand and accept these Terms and Conditions which will govern the use and operation of the KCB Mobile Money Loan Account. 3.2 3.2. If you do not agree with these Terms and Conditions, click please select “DeclineNo” on the MOBILE MONEY Menu and you will not be allowed to operate your KCB Mobile Money AccountLoan Menu. 3.3 3.3. You shall will be deemed to have read, understood understood, and accepted these Terms and Conditions:-Conditions: - 3.3.1 upon clicking on the 3.3.1. Upon selecting “AcceptYes” option on the KCB Mobile Money Loan Menu requesting you to confirm that you have read, understood read and agreed to abide with these accepted the Terms and ConditionsConditions as stated on the website xxxxx://xx.xxxxxxxx.xxx ; 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 Money AccountLoan account. 3.4 3.4. By applying to open the KCB Mobile Money 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 Money Loan 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 Money 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 Mobile Money Account 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 Money Loan Account only electronically and you agree to do business with the Bank and to operate the KCB Mobile Money Loan Account only by electronic means via the KCB Mobile Money Loan menu on the Vooma System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact Centre and through any Co-operative Bank BranchCentre. 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 Money Loan Account at any branch or branches of the Bank, or via the Bank’s system Bank 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 Customer Care Contact Centre is not a branch of the Bank or the Bank’s Agent for purposes of conduction of banking conducting Banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before operating the Mobile Money Account via the MOBILE MONEY System you should carefully read, understand and accept these Terms and Conditions which will govern the use and operation of the Mobile Money Account. 3.2 . If you do not agree with these Terms and Conditions, click “Decline” on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile Money Account. 3.3 . You shall be deemed to have read, understood and accepted these Terms and Conditions:- 3.3.1 Conditions:- upon clicking on the “Accept” option on the Mobile Money Menu requesting you to confirm that you have read, understood and agreed to abide with these Terms and Conditions; and/or 3.3.2 and/or by using or continuing to use and operate the Mobile Money Account. 3.4 . By applying to open the Mobile 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 Mobile 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 Mobile 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 Mobile 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 Mobile Money Account only electronically and you agree to do business with the Bank and to operate the Mobile Money Account only via the Mobile Money System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact Centre 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 Mobile Money Account at any branch or branches of the 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 Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of 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 3.1. Before operating applying to open the Mobile Money M-Shwari Account via the MOBILE MONEY M-PESA System you should carefully read, read and understand and accept these Terms and Conditions which will govern the use and operation of the Mobile Money M-Shwari Account. 3.2 3.2. If you do not agree with these Terms and Conditions, please click “Decline” on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile Money AccountM-Shwari Menu. 3.3 3.3. You shall will be deemed to have read, understood and accepted these Terms and Conditions:-Conditions: 3.3.1 3.3.1. upon clicking on the “Accept” option on the Mobile Money 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 3.3.2. by using or continuing to use and operate the Mobile Money M-Shwari Account. 3.4 3.4. By applying to open the Mobile Money 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 Mobile Money M- Shwari 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 Mobile Money Account in law or otherwise.M-Shwari 3.5 3.5. These Terms and Conditions including the Privacy terms may be amended or varied by the Bank from time to time and the continued Bank will issue you with a thirty (30) days’ notice prior to the change. Continued use of your Mobile Money M-Shwari Account after this notice period 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 Mobile Money M- Shwari Account only electronically and you agree to do business with the Bank and to operate the Mobile Money M-Shwari Account only by electronic means via the Mobile Money 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 Contact Centre and through any Co-operative Bank BranchCustomer 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 Mobile Money M- Shwari Account at any branch or branches of the Bank, or via the Bank’s system Bank 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 Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of conduction of conducting banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before operating the Mobile Money Faulu Digital Account via the MOBILE MONEY System Mobile Banking platform you should carefully read, understand and accept these Terms and Conditions which will govern the use and operation of the Mobile Money Faulu Digital Account. 3.2 If you do not agree with these Terms and Conditions, click “DeclineNo” on the MOBILE MONEY Mobile banking Menu and you will not be allowed to operate your Mobile Money open the Faulu Digital Account. 3.3 You shall be deemed to have read, understood and accepted these Terms and Conditions:- 3.3.1 upon Upon clicking on the “AcceptYes” option on the Mobile Money Banking 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 using or continuing to use and operate the Mobile Money AccountWallet. 3.4 By applying to open the Mobile Money 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 Mobile Money 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 Mobile Money 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 Mobile Money 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 Mobile Money Faulu Digital Account only electronically and you agree to do business with the Bank and to operate the Mobile Money Faulu Digital Account only via the Mobile Money SystemBanking Platform. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact Centre and through any Co-operative Bank 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 Mobile Money Faulu Digital Account at any branch or branches of the 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 Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of conduction of banking business or transactions and that it will not act as such.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 3.1 Before operating the Mobile Money Account via the MOBILE MONEY System you should carefully read, understand and accept these Terms and Conditions which will govern the use and operation of the Mobile Money Account. 3.2 If you do not agree with these Terms and Conditions, click “Decline” on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile Money Account. 3.3 You shall be deemed to have read, understood and accepted these Terms and Conditions:- 3.3.1 upon clicking on the “Accept” option on the Mobile Money 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 using or continuing to use and operate the Mobile Money Account. 3.4 By applying to open the Mobile 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 Mobile 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 Mobile 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 Mobile 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 Mobile Money Account only electronically and you agree to do business with the Bank and to operate the Mobile Money Account only via the Mobile Money System. Any query and complaint you may have relating to the Services shall be addressed to the Bank through the Contact Centre 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 Mobile Money MobileMoney Account at any branch or branches of the 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 Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of 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. X-XXXX 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 operating applying to open the Mobile Money M-PAWA Account via the MOBILE MONEY M-PESA System you should carefully read, read and understand and accept these Terms and Conditions which will govern the use and operation of the Mobile Money M-PAWA Account. 3.2 3.3. If you do not agree with these Terms and Conditions, please click “Decline” on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile Money AccountM-PAWA Menu. 3.3 3.4. You shall will be deemed to have read, understood and accepted these Terms and Conditions:-Conditions: - 3.3.1 upon 3.4.1. Upon clicking on the “Accept” option on the Mobile Money M-PAWA 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 3.4.2. By using or continuing to use and operate the Mobile Money M-PAWA Account. 3.4 3.5. By applying to open the Mobile Money 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 Mobile Money 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 Mobile Money 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 Mobile Money 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 Mobile Money M-PAWA Account is offered only electronically and you agree to do business with the Bank and to operate the Mobile Money M- PAWA Account only by electronic means via the Mobile Money M-PAWA 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 Contact Centre and through any Co-operative Bank BranchCustomer 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 Mobile Money M-PAWA Account at any branch or branches of the Bank, or via the Bank’s system Bank 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 Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of conduction 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 operating applying to open the Mobile Money Savings Account via the MOBILE MONEY Airtel Money System you should carefully read, read and understand and accept these Terms and Conditions which will govern the use and operation of the Mobile Money Savings Account. 3.2 3.2. If you do not agree with these Terms and Conditions, click “Decline” please do not progress your account opening request on the MOBILE MONEY Menu and you will not be allowed to operate your Mobile Money AccountAirtel USSD code - *185# Menu. 3.3 3.3. You shall will be deemed to have read, understood and accepted these Terms and Conditions:-Conditions: - 3.3.1 3.3.1. upon clicking entering your Mobile Money PIN on the “Accept” option on the Mobile Money Airtel USSD code - *185# Menu requesting you to confirm that you have read, understood and agreed to abide with these Terms and Conditions; and/or 3.3.2 3.3.2. by using or continuing to use and operate the Mobile Money Savings Account. 3.4 3.4. By applying to open the Mobile Money 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 Mobile Money 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 Mobile Money 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 Mobile Money 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 Mobile Money Savings Account only electronically and you You agree to do business with the Bank and to operate the Mobile Money Savings Account only by electronic means via the Mobile Airtel USSD code - *185# Menu on the 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 Centre and through any Co-operative Bank BranchCustomer 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 Mobile Money Savings Account at any branch or branches of the Bank, or via the Bank’s system Bank 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 Customer Care Centre is not a branch of the Bank or the Bank’s Agent for purposes of conduction of conducting 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.