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 3.1. Before applying to PCUL’s products on our systemopting-in or registering for the Service, you should first carefully read and understand these terms and conditions. These Terms and Conditions which will govern are available on the use respective websites of Safaricom and operation of our system DTB at xxx.xxxxxxxxx.xx.xx and xxxxx://xxxx.xxxxxxxxx.xxx/. Where you are unable to read and understand these terms and conditions from an electronic device you are requested to collect a printed version from a Safaricom shop. 3.2. If you do not agree with these terms and conditions, please click “Decline” on the products and services accessible thereof; 3.2 ThereafterOpt-in Function. At any point after registering for the Service, you will be required may opt out of the Service using the Opt-Out Function, subject to register on our systemhaving cleared all outstanding loans and any applicable interest, fees and other charges. 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 3.3. You will be deemed to have read, understood and accepted these Terms terms and Conditions conditions: 3.3.1. upon clicking on the “Accept” option on the Opt-in page requesting you to confirm that you have read, understood and agreed to abide by following through all these terms and conditions; and or 3.3.2. by using or continuing to use and requesting for the prompts Service. 3.4. The rights and completing a request transaction; 3.4 By accessing our system and completing a request, you agree to comply with and be bound by remedies provided in these Terms and Conditions and you affirm that these Terms and Conditions herein are without prejudice to any right other rights and remedies that PCUL we may have with respect to in law or otherwise regarding your registration, access and use of the services or products offered in Law or otherwiseService. 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 3.5. We may be amended or varied by PCUL from time to time vary or amend these terms and the completion of requests conditions and your continued access and use of this service the Service constitutes your agreement acceptance to be bound by the terms of any such amendment or variation. 3.8 3.6. Any addition or alteration to this Agreement may be made from time to time by DTB and of which notice of 15 days shall be given to you by 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 believe that our records contain inaccurate have any questions or incomplete information about youinquiries in relation to this Agreement, 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 borrowercontact DTB’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.customer care