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

ACCEPTANCE OF THE TERMS AND CONDITIONS. 4.1 Before applying for funds under the Group Micro Enterprise Loan Product via the Mobile Money System customers should carefully read and understand these Terms and conditions which will govern the use and operation of the Hustler Fund Micro Enterprise Loan Product. 4.2 If you do not agree with these Terms and conditions, please click “Decline” on the Hustler Fund menu at *254#. 4.3 You will be deemed to have read, understood and accepted these Terms and Conditions: 4.3.1 upon clicking on the “Accept” option on the Hustler Fund menu requesting you to confirm that you have read, understood, and agreed to abide with these Terms and Conditions; and/or 4.3.2 by using or continuing to use and operate the Hustler Fund and/or the Services. 4.4 By applying funds under Hustler Fund Micro Enterprise Loan Product , 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 Hustler Fund Micro Enterprise Loan Product and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank or Mobile Network Operator may have with respect to the Group Savings and Loan Project in law or otherwise. 4.5 These Terms and Conditions may be amended or varied from time to time subject to at least thirty (30) days prior notice to you. The continued use of the services under the Hustler Fund Micro Enterprise Loan Product and/or the Services after lapse of the said notice period constitutes your agreement to be bound by the terms of any such amendment or variation.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 4.1 Before applying for funds under the Group Micro Enterprise Hustler Fund Savings and Loan Fund Product via the Mobile Money T-kash System customers you should carefully read and understand these Terms and conditions which will govern the use and operation of the Hustler Fund Micro Enterprise Savings and Loan Product.Fund/ Hustler Fund; 4.2 If you do not agree with these Terms and conditions, please click “Decline” on the Hustler Fund menu at *254#. 4.3 You will be deemed to have read, understood and accepted these Terms and Conditions: 4.3.1 upon clicking on the “Accept” option on the Hustler Fund menu requesting you to confirm that you have read, understood, and agreed to abide with these Terms and Conditions; and/or 4.3.2 by using or continuing to use and operate the Hustler Fund and/or the Services. 4.4 By applying for funds under the Hustler Fund Micro Enterprise Savings and Loan Product Product, 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 Hustler Fund Micro Enterprise Loan Product and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank or Mobile Network Operator Telkom may have with respect to the Group Hustler Fund Savings and Loan Project Product in law or otherwise. 4.5 These Terms and Conditions may be amended or varied from time to time subject to at least thirty (30) days prior notice to you. The continued use of the services under the Hustler Fund Micro Enterprise Savings and Loan Product and/or the Services after lapse of the said notice period constitutes your agreement to be bound by the terms of any such amendment or variation.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 4.1 Before applying for funds under the Group Micro Enterprise Personal Savings and Loan Product Fund/Hustler Fund via the Mobile Airtel Money System customers you should carefully read and understand these Terms and conditions which will govern the use and operation of the Hustler Fund Micro Enterprise Loan Product. 4.2 If you do not agree with these Terms and conditions, please click “Decline” on the Hustler Fund menu at *254#. 4.3 You will be deemed to have read, understood and accepted these Terms and Conditions: 4.3.1 upon clicking on the “Accept” option on the Hustler Fund menu requesting you to confirm that you have read, understood, and agreed to abide with these Terms and Conditions; and/or 4.3.2 by using or continuing to use and operate the Hustler Fund and/or the Services. 4.4 By applying funds under Hustler Fund Micro Enterprise Loan Product , 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 Hustler Fund Micro Enterprise Loan Product and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank or Mobile Network Operator Airtel may have with respect to the Group Personal Savings and Loan Project in law or otherwise. 4.5 These Terms and Conditions may be amended or varied from time to time subject to at least thirty (30) days prior notice to you. The continued use of the services under the Hustler Fund Micro Enterprise Loan Product and/or the Services after lapse of the said notice period constitutes your agreement to be bound by the terms of any such amendment or variation.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 4.1 Before applying for funds under the Group Micro Enterprise Personal Savings and Loan Product Fund/Hustler Fund via the Mobile Money M-PESA System customers you should carefully read and understand these Terms and conditions which will govern the use and operation of the Hustler Fund Micro Enterprise Loan Product. 4.2 If you do not agree with these Terms and conditions, please click “Decline” on the Hustler Fund menu at *254#. 4.3 You will be deemed to have read, understood and accepted these Terms and Conditions: 4.3.1 upon clicking on the “Accept” option on the Hustler Fund menu requesting you to confirm that you have read, understood, and agreed to abide with these Terms and Conditions; and/or 4.3.2 by using or continuing to use and operate the Hustler Fund and/or the Services. 4.4 By applying funds under Hustler Fund Micro Enterprise Loan Product , 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 Hustler Fund Micro Enterprise Loan Product and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank or Mobile Network Operator Safaricom may have with respect to the Group Personal Savings and Loan Project in law or otherwise. 4.5 These Terms and Conditions may be amended or varied from time to time subject to at least thirty (30) days prior notice to you. The continued use of the services under the Hustler Fund Micro Enterprise Loan Product and/or the Services after lapse of the said notice period constitutes your agreement to be bound by the terms of any such amendment or variation.

ACCEPTANCE OF THE TERMS AND CONDITIONS. 4.1 Before applying for funds under the Group Micro Enterprise Personal Savings and Loan Product Fund/Hustler Fund via the Mobile Money T-KASH System customers you should carefully read and understand these Terms and conditions which will govern the use and operation of the Hustler Fund Micro Enterprise Loan Product. 4.2 If you do not agree with these Terms and conditions, please click “Decline” on the Hustler Fund menu at *254#. 4.3 You will be deemed to have read, understood and accepted these Terms and Conditions: 4.3.1 upon clicking on the “Accept” option on the Hustler Fund menu requesting you to confirm that you have read, understood, and agreed to abide with these Terms and Conditions; and/or 4.3.2 by using or continuing to use and operate the Hustler Fund and/or the Services. 4.4 By applying funds under Hustler Fund Micro Enterprise Loan Product , 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 Hustler Fund Micro Enterprise Loan Product and you affirm that these Terms and Conditions herein are without prejudice to any right that the Bank or Mobile Network Operator Telkom may have with respect to the Group Personal Savings and Loan Project in law or otherwise. 4.5 These Terms and Conditions may be amended or varied from time to time subject to at least thirty (30) days prior notice to you. The continued use of the services under the Hustler Fund Micro Enterprise Loan Product and/or the Services after lapse of the said notice period constitutes your agreement to be bound by the terms of any such amendment or variation.