Common use of Account Opening Clause in Contracts

Account Opening. 4.1. In order to open a M-FANISI Account with the Bank, you must be at least 18 years old and a registered and active Airtel Money Subscriber for at least six (6) months immediately preceding the date of your application. The Bank reserves the right to verify with Airtel the authenticity and status of your Airtel Money Account. 4.2. You may open a M-FANISI Account solely by way of an electronic application made by you using your Equipment via the M-FANISI Menu on the Airtel System. 4.3. You hereby agree and authorize the Bank to request Airtel for your personal information held by Airtel pursuant to the agreement between you and Airtel for the provision of Airtel products and services and Airtel Money Service 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 “Know Your Customer” requirements (together the “Personal Information”). You also hereby agree and authorize the Bank to request Airtel for information relating to your use of the Airtel Money Service, Airtel Money System and Airtel Services as the Bank shall require for purposes of providing you the Services (“Airtel Money Information”). You hereby consent to the disclosure of the Personal Information and the Airtel Money Information by Airtel to the Bank and to the aforesaid use of the Personal Information and the Airtel Money Information by the Bank. 4.4. 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. 4.5. You hereby further acknowledge and authorize the Bank to verify your Personal Information received from Airtel against the information received from the Government of Kenya in your respect as contained in the IPRS 4.6. The Bank reserves the right to decline your application for a M-Fanisi 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.

Account Opening. 4.1. 4.1 In order to open a M-FANISI KCB/Airtel Account with the Bank, you You must be at least 18 (eighteen) years old and a registered and active Airtel Money Subscriber for at least six (6) months immediately preceding the date of your application. The Bank reserves the right to verify with Airtel the authenticity and status of your Airtel Money Account. 4.2. 4.2 You may open a M-FANISI KCB/Airtel Account solely by way of an electronic application made by you You using your Equipment Mobile Phone via the M-FANISI KCB/Airtel Menu on the Airtel SystemNetwork and system. 4.3. 4.3 You hereby agree and authorize the Bank to request Airtel for your personal information held by Airtel pursuant to the agreement between you You and Airtel for the provision of Airtel products and services and Airtel Money Service including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank to identify you You and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). You also hereby agree and authorize the Bank to request Airtel for information relating to your use of the Airtel Money Service, Airtel Money System and Airtel Services as the Bank shall require for purposes of providing you You the Services (“Airtel Money Information”). You hereby consent to the disclosure of the Personal Information and the Airtel Money Information by Airtel to the Bank and to the aforesaid use of the Personal Information and the Airtel Money Information by the Bank. 4.4. 4.4 You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS from NIRA or the Government of Kenya Uganda and you You further agree and consent to the disclosure and provision of such Personal Information by NIRA or the Government of Kenya Uganda to the Bank. 4.5. 4.5 You hereby further acknowledge and authorize the Bank to verify your Personal Information received from Airtel against the information received from NIRA or the Government of Kenya Uganda in your respect as contained in the IPRSNIRA or Government Database. 4.64.6 The Bank reserves the right to request for further information from You pertaining to your application for a KCB/Airtel 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 KCB/Airtel Account. 4.7 Acceptance by the Bank of your application for a KCB/Airtel Account shall be done via SMS sent to the Airtel Mobile Phone Number associated with your Airtel Money Account. You acknowledge and accept that the acceptance by the Bank of your application for a KCB/Airtel Account does not create any contractual relationship between You and Airtel beyond the terms and conditions that apply to your Airtel Money Account from time to time. 4.8 The Bank reserves the right to decline your application for a M-Fanisi KCB/ Airtel 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.

Account Opening. 4.1. In order to open a M-FANISI Account with the Bank, you must be at least 18 years old and a registered and active Airtel Money Subscriber for at least six (6) months immediately preceding the date of your application. 5.1 The Bank reserves the right to verify with Airtel the authenticity and status of your Airtel Money Accountmoney account. 4.2. 5.2 You may open a M-FANISI Account solely access the Hustler Fund Savings and Loan Product by way of an electronic application made dialing *254# or by such other means as may be notified to you using your Equipment via the M-FANISI Menu on the Airtel Systemby us. 4.3. 5.3 You hereby agree consent and authorize the Bank to request Airtel for for, receive, record, disclose or utilize your personal information held by Airtel pursuant to the agreement between you and Airtel for the provision of Airtel products and services and Airtel Money Service 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 “Know Your Customer” requirements (together the “Personal Information”). You also hereby agree and authorize the Bank to request Airtel for information relating to your use of the Airtel Money Service, Airtel Money System and Airtel Services as the Bank shall require for purposes of providing you the Services (“Airtel Money InformationCustomer information”)) and in particular to determine your credit limit. You hereby consent to the disclosure of the Personal Information and the Airtel Money Information Customer information by Airtel to the Bank and to the aforesaid use of the Personal Information and the Airtel Money Information Customer information by the Bank. 4.4. 5.4 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. 4.5. 5.5 You hereby further acknowledge and authorize the Bank to verify your Personal Information received from Airtel against the information received from the Government of Kenya in your respect as contained in the IPRS. 4.65.6 The Bank reserves the right to request for further information from you pertaining to your application for a Hustler Fund Savings and Loan Product funds 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 Personal Loan. 5.7 Acceptance of your application for a Hustler Fund Savings and Loan Fund shall be done via SMS sent to the Airtel Mobile Phone Number associated with your Airtel Money Account. 5.8 The Bank reserves the right to decline your application for a M-Fanisi Account or to revoke the same at any stage at the Bank’s sole discretion and without assigning any reason or giving any notice theretoPersonal Loan.

Account Opening. 4.1. 4.1 In order to open a M-FANISI Account with the Bank, you must be at least 18 years old and a registered and active Airtel Money Subscriber for at least six (6) months immediately preceding the date of your applicationSafaricom Mpesa Subscriber. The Bank reserves the right to verify with Airtel Safaricom the authenticity and status of your Airtel Money Mpesa Account. 4.2. 4.2 You may open a M-FANISI Account solely by way of an electronic application made by you using your Equipment via the M-FANISI Menu on the Airtel SystemMenu. 4.3. 4.3 You hereby agree and authorize the Bank to request Airtel Safaricom for your personal information held by Airtel Safaricom pursuant to the agreement between you and Airtel Safaricom for the provision of Airtel Safaricom products and services and Airtel Money Mpesa Service 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 “Know Your Customer” requirements (together the “Personal Information”). You also hereby agree and authorize the Bank to request Airtel Safaricom for information relating to your use of the Airtel Money Mpesa Service, Airtel Money System Mpesa S y s t e m and Airtel Safaricom Services as the Bank shall require for purposes of providing you the Services (“Airtel Money Mpesa Information”). You hereby consent to the disclosure of the Personal Information and the Airtel Money Mpesa Information by Airtel Safaricom to the Bank and to the aforesaid use of the Personal Information and the Airtel Money Mpesa Information by the Bank. 4.4. 4.4 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. 4.5. 4.5 You hereby further acknowledge and authorize the Bank to verify your Personal Information received from Airtel Safaricom against the information received from the Government of Kenya in your respect as contained in the IPRSIPRS 5. M- FANISI ACCOUNT 4.6. 5.1 As a holder of a M- Fanisi Account, you will be entitled, subject to these Terms and Conditions, to transfer money from your Mpesa and/or make withdrawals from /into your Mpesa, and/or to borrow money from the Bank as follows: 5.2 You may make deposits into your M- Fanisi Account or withdraw funds therefrom using the M- Fanisi Account Menu on your Equipment. 5.3 You will not be required to notify the Bank in advance of making a deposit or withdrawal into or from your M- Fanisi Account. 5.4 The Bank reserves shall channel withdrawals from your M- Fanisi Account into your Mpesa account 5.5 Transaction Fees and applicable Bank fees, commissions and other charges will be charged on all transactions between your other Bank account (s) and your M- Fanisi Account, as well as on any transactions on your M- Fanisi Account facilitated through ▇▇▇▇▇▇ bank. 5.6 There will be no restrictions on the right number of deposits into your M- Fanisi Account over any period of time subject to decline a minimum deposit of Ksh. 1. 5.7 Subject to availability of sufficient funds to your application credit, the Bank shall impose no restrictions on the number of withdrawals you may make from your M- Fanisi Account over any period of time. You may withdraw up to the maximum allowable limit under the Safaricom service 5.8 Through the M- Fanisi Account Menu on your Equipment, you may establish standing orders and instruct the Bank to make loan repayments and establish term deposits using funds from your M- Fanisi Account. 5.9 As a holder of a M- Fanisi Account, you may, subject to these terms and conditions, apply for a loan from the Bank using The M- Fanisi Account Menu on your Equipment. 5.10 No Overdraft will be allowed on your M- FANISI Account. 5.11 The Bank is entitled to demand repayment of any money overdrawn from your account together with interest and penalties. 6.1 The maximum savings limit on your MPESA Transaction Account shall be Kshs. 1,000,000/= or such other minimum or maximum amount as the Bank may from time to time in its sole discretion determine. If you however wish to save any amount above Kshs. 250,000 in your M-Fanisi Account Transaction Account, you must provide the Bank with such further documentation and comply with any other or to revoke the same at any stage at further conditions as may be required by the Bank’s sole discretion 6.2 The Maximum savings transfer into your M-Fanisi Transaction Account from Mpesa shall be a maximum of Kshs. 140,000 per day. 6.3 The maximum deposit transfer into your M-Fanisi Transaction Account from Mpesa shall be Kshs. 70,000 per deposit transaction. 6.4 Deposit via Bank Branches will have no maximum limit on deposit. 6.5 The Minimum deposit for your M-Fanisi Transaction Account and without assigning any reason or giving any notice theretominimum transferrable amount from your M-Fanisi Transaction Account shall be Kshs. 6.6 You shall not be entitled to overdraw your M-Fanisi Transaction Account. 6.7 In the event that your M-Fanisi Transaction Account does become overdrawn, debit interest shall accrue to the account on the debit balance. The debit interest shall be equal to the maximum unauthorized overdraft rate levied on Bank current accounts.

Account Opening. 4.1. In order to open a M-FANISI VIKOBA Account with the Bankus, you all group members must be at least 18 years old and a registered and active Airtel Money Subscriber for at least six (6) months immediately preceding the date of your applicationSubscriber. The Bank reserves the right to verify with Airtel Money the authenticity and status of your members Airtel Money Account. 4.2. You may open a M-FANISI VIKOBA Account solely by way of an electronic application made by you using your Equipment via the M-FANISI VIKOBA Menu on the Airtel Money System. 4.3. You hereby agree and authorize the Bank to request Airtel Money for your personal information held by Airtel Money Limited pursuant to the agreement between you and Airtel Money for the provision of Airtel Money’s products and services and Airtel Money Service 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 “Know Your Customer” (Anti Money Laundering) requirements (together the “Personal Information”). You also hereby agree and authorize the Bank to request Airtel Money for information relating to your use of the Airtel Money Service, Service and Airtel Money System and Airtel Services as the Bank shall require for purposes of providing you the Services (“Airtel Money Information”). You hereby consent to the disclosure of the Personal Information and the Airtel Money Information by Airtel Money to the Bank and to the aforesaid use of the Personal Information and the Airtel Money Information by the Bank. 4.4. You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS any system (include but not limited to Middleware, IPG, eKYC etc.) from the Government of Kenya Airtel Money and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the BankAirtel Money Limited. 4.5. You hereby further acknowledge and authorize the Bank to verify your Personal Information received from Airtel Money pursuant to Clause 4.3 against the information received from the Government of Kenya in your respect Airtel Money as contained in the IPRSMiddleWare/IPG, eKYC. 4.6. The Bank reserves We reserve the right to request for further information from you pertaining to your application for a VIKOBA Account at any time. Failure to provide such information within the time required by us may result in declining to accept your application for a VIKOBA Account. 4.7. Acceptance by us of your application for a VIKOBA Account, shall be done via SMS sent to the Airtel Mobile Phone Number associated with your Airtel Money Account. You acknowledge and accept that the acceptance by us of your application for a Airtel Money Account creates a contractual relationship between you and us beyond the terms and conditions that apply to your Airtel Money Account from time to time. 4.8. We reserve the right to decline your application for a M-Fanisi an VIKOBA Account or to revoke the same at any stage at the Bank’s our sole discretion and without subject to assigning any reason or giving any notice theretothere to.

Account Opening. 4.1. 4.1 In order to open a MSIDIAN Q-FANISI Loan Account with the Bank, you must be at least 18 years old and old, a Sidian bank customer, a registered and active Airtel Money Mobile Subscriber whom the Bank has an agreement with for at least six (6) months immediately preceding the date provision of your applicationthis service. The Bank reserves the right to verify with Airtel the IPRS the authenticity and status of your Airtel Money Accountdetails. 4.2. 4.2 You may open a MSIDIAN Q-FANISI Loan Account solely by way of an electronic application made by you using your Equipment via the MSIDIAN Q-FANISI Loan Menu on the Airtel SIDIANVIBE System. 4.3. 4.3 You hereby agree and authorize the Bank to request Airtel IPRS for your personal information held by Airtel IPRS pursuant to the agreement between you and Airtel Sidian Bank for the provision of Airtel Mobile Banking products and services and Airtel Money Banking Service 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 “Know Your Customer” Customer requirements (together the “Personal Information”). You also hereby agree and authorize the Bank to request Airtel IPRS for information relating to your use of the Airtel Money Service, Airtel Money System and Airtel Services ID as the Bank shall require for purposes of providing you the Services (“Airtel Money Information”)Services. You hereby consent to the disclosure of the Personal Information and the Airtel Money Information by Airtel IPRS to the Bank and to the aforesaid use of the Personal Information and the Airtel Money Information by the Bank. 4.4. 4.4 You hereby agree and authorize the Bank to obtain and procure your Personal Information contained contain 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. 4.5. 4.5 You hereby further acknowledge and authorize the Bank to verify your Personal Information received from Airtel Mobile Network pursuant to Claus 4.3 against the information received from the Government of Kenya in your respect as contained in the IPRS. 4.64.6 The Bank reserves the right to request for further information from you pertaining application for a SIDIAN Q-Loan 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 SIDIAN Q-Loan Account. 4.7 Acceptance by the Bank of your application for a SIDIAN Q-Loan shall be done via SMS sent to Mobile Phone Number associated with our Bank Account. 4.8 The Bank reserves the right to decline your application for a MSIDIAN Q-Fanisi Loan Account or to revoke the same at any stage at and the Bank’s sole discretion and without assigning any Bank will give the reason for declining the loan application or giving any notice theretorevoking the loan account.

Account Opening. 4.1. In order to open a M-FANISI Mobile Savings Account with the Bank, you must be at least 18 years old and old, a registered and active Airtel Money Subscriber for at least six (6) months immediately preceding the date Subscriber, a Ugandan national holding a National ID and not an existing client of your applicationStandard Chartered Bank. The Bank reserves the right to verify with Airtel the authenticity and status of your Airtel Money Account. 4.2. You may open a M-FANISI Mobile Savings Account solely by way of an electronic application made by you using your Equipment via the M-FANISI Menu on the Airtel SystemUSSD platform or menu (*185#). 4.3. You hereby agree and authorize the Bank to request Airtel for your personal information held by Airtel pursuant to the agreement between you and Airtel for the provision of Airtel products and services and Airtel Money Service including your phone number, name, date of birth, National ID or Passport Number (NIN) and such other information that will enable the Bank to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). You also hereby agree and authorize the Bank to request Airtel for information relating to your use of the Airtel Money Service, Service and Airtel Money System and Airtel Services as the Bank shall require for purposes of providing you the Services (“Airtel Money Information”). You hereby consent to the disclosure of the Personal Information and the Airtel Money Information by Airtel to the Bank and to the aforesaid use of the Personal Information and the Airtel Money Information by the Bank. 4.4. You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS from NIRA or the Government of Kenya Uganda data base and you You further agree and consent to the disclosure and provision of such Personal Information by NIRA or the Government of Kenya Uganda to the Bank. 4.5. The Bank reserves the right to request for further information from you pertaining to your application for a Mobile Savings 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 Savings Account. 4.6. Acceptance by the Bank of your application for a Mobile Savings Account shall be done via SMS sent to the Airtel Mobile Phone Number associated with your Airtel Money Account. You hereby further acknowledge and authorize accept that the acceptance by the Bank of your application for a Mobile Savings Account does not create any contractual relationship between you and Airtel beyond the terms and conditions that apply to verify your Personal Information received Airtel Money Account from Airtel against the information received from the Government of Kenya in your respect as contained in the IPRStime to time. 4.64.7. The Bank reserves the right to decline your application for a M-Fanisi Mobile Savings 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.

Account Opening. 4.1. In order to To open a M-FANISI KCB Mobile Loan Account with the Bank, you must be at least 18 years old and old, a registered and active Airtel Money Mobile Subscriber with a mobile service provider with which the Bank has an agreement with for at least six (6) months immediately preceding the date provision of your applicationthis service. The Bank reserves the right to verify with Airtel the IPRS the authenticity and status of your Airtel Money Account.details. Regulated by the Central Bank of Kenya BANK 4.2. You may open a M-FANISI KCB Mobile Loan Account solely by way of an electronic application made by you using your Equipment via the M-FANISI KCB Mobile Loan Menu on the Airtel Vooma System. 4.3. You hereby agree and authorize the Bank to request Airtel IPRS for your personal information held by Airtel IPRS pursuant to the agreement between you and Airtel KCB for the provision of Airtel Mobile Banking products and services and Airtel Money Banking Service 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 “Know Your Customer” requirements (together the “Personal Information”). You also hereby agree and authorize the Bank to request Airtel IPRS for information relating to your use of the Airtel Money Service, Airtel Money System and Airtel Services ID as the Bank shall require for purposes of providing you the Services (“Airtel Money Information”)Services. You hereby consent to the disclosure of the Personal Information and the Airtel Money Information by Airtel IPRS to the Bank and to the aforesaid use of the Personal Information and the Airtel Money Information by the Bank. 4.4. 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. 4.5. You hereby further acknowledge and authorize the Bank to verify your Personal Information received from Airtel Mobile Network pursuant to Clause 4.3 against the information received from the Government of Kenya in your respect as contained in the IPRS. 4.6. The Bank reserves the right to request for further information from you pertaining to your application for a KCB Mobile Loan 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 KCB Mobile Loan Account. 4.7. Acceptance by the Bank of your application for a KCB Mobile Loan shall be done via SMS sent to the Mobile Phone Number associated with your Bank Account. 4.8. The Bank reserves the right to decline your application for a M-Fanisi KCB Mobile Loan 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.

Account Opening. 4.1. 4.1 In order to open a M-FANISI Mobile Money Account with the Bank, you must be at least 18 years old with legal capacity to contract, and a registered and active Airtel Money Mobile Subscriber with a mobile service provider with which the Bank has an agreement with for at least six (6) months immediately preceding the date provision of your applicationthis service. The Bank reserves the right to verify with Airtel the IPRS the authenticity and status of your Airtel Money Accountdetails. 4.2. 4.2 You may open a M-FANISI Mobile Money Account solely by way of an electronic application made by you using your Equipment via the M-FANISI Mobile Money Menu on the Airtel Mobile Money System. 4.3. 4.3 You hereby agree and authorize the Bank to request Airtel IRPS for your personal information held by Airtel IPRS pursuant to the agreement between you and Airtel Co-operative Bank for the provision of Airtel Mobile Banking products and services and Airtel Money Service 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 “Know Your Customer” KYC requirements (together the “Personal Information”). You also hereby agree and authorize the Bank to request Airtel IPRS for information relating to your use of the Airtel Money Service, Airtel Money System and Airtel Services ID as the Bank shall require for purposes of providing you the Services (“Airtel Money Information”)Services. You hereby consent to the disclosure of the Personal Information and the Airtel Money Information by Airtel IPRS to the Bank and to the aforesaid use of the Personal Information and the Airtel Money Information by the Bank. 4.4. 4.4 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. 4.5. 4.5 You hereby further acknowledge and authorize the Bank to verify your Personal Information received from Airtel Mobile Network pursuant to Clause 4.3 against the information received from the Government of Kenya in your inyour respect as contained in the IPRS. 4.64.6 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. 4.7 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. 4.8 The Bank reserves the right to decline your application for a M-Fanisi 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.

Account Opening. 4.1. In order to open a M-FANISI an FETTI Account with the Bankus, you must be at least 18 years old and old, a registered and active Airtel Money Mobile Subscriber with a mobile service provider with which FETTI has an agreement with for at least six (6) months immediately preceding the date provision of your applicationthis service. The Bank FETTI reserves the right to verify with Airtel the IPRS the authenticity and status of your Airtel Money Accountdetails. 4.2. You may open a M-FANISI FETTI Account solely by way of an electronic application made by you using your Equipment via the M-FANISI FETTI Menu on the Airtel FETTI’s System. 4.3. You hereby agree and authorize the Bank FETTI to request Airtel for your personal information held by Airtel IPRS and licensed credit reference bureaus pursuant to the agreement between you and Airtel FETTI for the provision of Airtel Mobile Money products and services and Airtel Money Service including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank FETTI to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). You also hereby agree and authorize the Bank FETTI to request Airtel IPRS for information relating to your use of the Airtel Money Service, Airtel Money System and Airtel Services ID as the Bank FETTI shall require for purposes of providing you the Services (“Airtel Money Information”)Services. You hereby consent to the disclosure of the Personal Information and the Airtel Money Information by Airtel to the Bank FETTI and to the aforesaid use of the Personal Information and the Airtel Money Information by the BankFETTI. 4.4. You hereby agree and authorize the Bank FETTI 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 BankFETTI. 4.5. You hereby further acknowledge and authorize the Bank FETTI to verify your Personal Information received from Airtel Mobile Networks pursuant to Clause 4.3 against the information received from the Government of Kenya in your respect as contained in the IPRSrespect. 4.6. The Bank You hereby agree and authorize FETTI to obtain and procure your Personal Information and Relevant Information from your respective Mobile Money Provider and you further agree and consent to the disclosure and provision of such Personal Information by the Mobile Money Provider and further to indemnify and hold FETTI and the Mobile Money Provider harmless with respect to any claims, losses, liabilities and expenses (including legal fees and expenses) that may arise as a result of the disclosure and reliance on such Personal Information and/or Relevant Information. 4.7. You hereby agree and authorize FETTI to access and query your credit information from the licensed Credit Reference Bureaus and you further agree and consent to the disclosure and provision of such credit Information by the Credit Reference Bureaus. 4.8. FETTI reserves the right to decline request for further information from you pertaining to your application for a M-Fanisi FETTI Account or to revoke the same at any stage at time. Failure to provide such information within the Bank’s sole discretion and without assigning any reason or giving any notice theretotime required by FETTI may result in FETTI declining to accept your application for an FETTI Account.

Account Opening. 4.1. In order to open a M-FANISI Account with the Bank, you must be at least 18 years old and a registered and active Airtel Money Subscriber for at least six (6) months immediately preceding the date of your application. 5.1 The Bank reserves the right to verify with Airtel the authenticity and status of your Airtel Money Accountmoney account. 4.2. 5.2 You may open a M-FANISI Account solely access the Hustler Fund Saving and Micro Enterprise Loan Product by way of an electronic application made by you using your Equipment mobile phone via the M-FANISI Menu Hustler Fund menu on the Airtel SystemNetwork system by dialing *254#. 4.3. 5.3 You hereby agree consent and authorize the Bank to request Airtel for for, receive, record, disclose or utilize your personal information held by Airtel pursuant to the agreement between you and Airtel for the provision of Airtel products and services and Airtel Money Service 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 “Know Your Customer” requirements (together the “Personal Information”). You also hereby agree and authorize the Bank to request Airtel for information relating to your use of the Airtel Money Service, Airtel Money System and Airtel Services as the Bank shall require for purposes of providing you the Services (“Airtel Money InformationCustomer information”)) and in particular to determine your credit limit. You hereby consent to the disclosure of the Personal Information and the Airtel Money Information Customer information by Airtel to the Bank and to the aforesaid use of the Personal Information and the Airtel Money Information Customer information by the Bank. 4.4. 5.4 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. 4.5. 5.5 You hereby further acknowledge and authorize the Bank to verify your Personal Information received from Airtel against the information received from the Government of Kenya in your respect as contained in the IPRS. 4.65.6 The Bank reserves the right to request for further information from you pertaining to your application for a Hustler Fund Micro Enterprise Loan Product funds 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 theLoan. 5.7 Acceptance of your application for a Hustler Fund Micro Enterprise Loan Product shall be done via SMS sent to the Airtel Mobile Phone Number associated with your Airtel Money Account. 5.8 The Bank reserves the right to decline your application for a M-Fanisi Account or to revoke the same at any stage at the Bank’s sole discretion and without assigning any reason or giving any notice theretoLoan.