Common use of INTRODUCTORY REMARKS Clause in Contracts

INTRODUCTORY REMARKS. This Agreement is a contract between you (“registered Client / Customer”) and Oro Pay Ltd (hereinafter the “Company”) and applies to your use of the Services. The terms of this Agreement (Terms & Conditions of Services), plus the Privacy Policy, Cookie Policy, Fraud Prevention, Complaints Policy, Merchant Terms & Conditions (applicable only for Merchants), Merchant Acceptance & Use Policy (applicable only for Merchants), Schedule of Fees and other documents located online on the "Legal Agreements" section of the online page / website of the Company (and as amended from time to time as per the relevant policies of the Company) and/or any signed hard copies of Merchant Application Form and/or Merchant Agreement (where required and applicable for any Client also being Merchant) are incorporated by reference into this Agreement and provide additional terms and conditions related to the Services (hereinafter the “Ancillary Documents"). For the avoidance of doubt, neither the Ancillary Documents nor the parts of this Agreement that incorporate the terms of the Ancillary Documents constitute "framework contracts" for the purpose of the EU Payment Services Directive (2015/2366 ) or any implementation of that directive in the EU or EEA. This Agreement, together with other legal terms and legally required disclosures relating to your use of the Oro Pay Services will be provided to you, at all times on the Oro Pay website(s) (typically located on the "Legal Agreements" landing page). This information may also be sent to you or appear in places on the Oro Pay website(s) or otherwise where relevant to your use of the Services. By registering for the Services, you must read, agree with and accept all of the terms and conditions contained in this Agreement. This Agreement is provided to you and concluded in English. You agree that any use by you of the Services shall constitute your acceptance of this Agreement and we recommend that you store or print-off a copy of the Agreement (including all policies) and such other documents for your records. The Company may require you to have an Oro Pay Account to use the Services (including, without limitation, to send or receive payments or to use Oro Pay as a means of logging into third party services). You are strongly encouraged to review the terms and conditions of this Agreement prior to accepting them. It is your sole responsibility to understand and comply with all the laws, rules and regulations that are relevant to your jurisdiction (place of residence) and that may apply in connection to your use of the service. Please consider seeking legal advice if you are not comfortable with your personal understanding of the terms and conditions in this Agreement. Consider all aspects of this Agreement, the Policies and the relevant laws and regulations when choosing to use the Service at any time. Certain jurisdictional limitations that could apply to you may include but not be limited to, foreign currency conversions, import or export of certain goods and/or services, duties, taxes, and customs. Also take notice of the fact that the Legal Agreements posted online to Oro Pay’s website may from time to time be amended and changed accordingly and you will be notified respectively. In any case, you are kindly advised to periodically review and check online the section on Oro Pay’s website entitled Legal Agreements for any applicable amendments or changes to such Agreements so as to always be updated on the legal relationship between you and the Company at all times.

INTRODUCTORY REMARKS. 1.1. This Agreement is a contract between you (“registered Client / CustomerClient”) and Oro Pay Ltd (hereinafter the “Company”) and applies to your Client's use of the Services. 1.2. The terms of this Agreement (Terms & Conditions of Services), plus the Privacy Policy, Cookie Fraud Prevention Policy, Fraud Prevention, Complaints Policy, Merchant Terms & Conditions (applicable only guidelines for Merchants), Merchant Acceptance & Use Policy (applicable only for Merchants), Schedule of Fees Complain procedure and other documents located online on the "Legal AgreementsDocuments & Fees" section of the online page / website of the Company (and as amended from time to time as per the relevant policies of the Company) and/or any signed hard copies of Merchant Application Form and/or Merchant Agreement (where required and applicable for any Client also being Merchant) are incorporated by reference into this Agreement and provide additional terms and conditions related to the Services (hereinafter the “Ancillary Documents"). For the avoidance of doubt, neither the Ancillary Documents nor the parts of this Agreement that incorporate the terms of the Ancillary Documents constitute "framework contracts" for the purpose of the EU Payment Services Directive (2015/2366 ) or any implementation of that directive in the EU or EEA. This Agreement, together with other legal terms and legally required disclosures relating to your use of the Oro Pay Services will be provided to you, at all times on the Oro Pay website(s) (typically located on the "Legal Agreements" landing page). This information may also be sent to you or appear in places on the Oro Pay website(s) or otherwise where relevant to your use of the Services. 1.3. By registering for the Services, you must read, agree with and accept all of the terms and conditions contained in this Agreement. This Agreement is provided to you and concluded in English. You agree that any use by you of the Services by you shall constitute your acceptance of this Agreement and we recommend that you store or print-off a copy of the Agreement (including all policies) and such other documents for your records. The Company may require you to have an Oro Pay Account to use the Services (including, without limitation, to send or receive payments or to use Oro Pay as a means of logging into third party services)Agreement. 1.4. You are strongly encouraged to review the terms and conditions of this Agreement prior to accepting them. It is your sole responsibility to understand and comply with all the laws, rules and regulations that are relevant to your jurisdiction (place of residence) and that may apply in connection to your use of the service. Please consider seeking legal advice if you are not comfortable with your personal understanding of the terms and conditions in this Agreement. Consider all aspects of this Agreementservice (for example, the Policies and the relevant laws and regulations when choosing to use the Service at any time. Certain certain jurisdictional limitations that could apply to you may include include, but are not be limited to, foreign currency conversions, import or export of certain goods and/or services, duties, taxes, and customs). 1.5. Also take notice of the fact Please note that the Legal Agreements documentation mentioned in section 1.2. and posted online to Oro Payon the Company’s website may from time to time be amended and changed accordingly from time to time. If amendments are substantial related to the Company’s service provision, then the Company will post on the webpage two month before it takes effect and you will be notified respectivelyinform Client via Internet Bank, except in cases where the amendments are required by the Law and must take effect immediately. 1.6. This two-month period starts either from the date the change is posted on the Company website or from the date the client receives an email notification about the change. 1.7. In any caserelation to the Agreement, you if during the one-month period Company doesn’t receive from the Client an application for terminate the Agreement, the Company consider it as an acceptance of the amendments and the Agreement will remain in effect. 1.8. You are kindly advised to periodically review and check online the "Legal Documents & Fees" section on Oro PayCompany’s website entitled Legal Agreements for any applicable amendments or changes to such Agreements so as to always be updated on the legal relationship between you and the Company at all timeschanges.

INTRODUCTORY REMARKS. This Agreement is a contract between you (“registered Client / Customer”) and Oro Pay Ltd (hereinafter the “Company”) and applies to your use of the Services. The terms of this Agreement (Terms & Conditions of Services), plus the Privacy Policy, Cookie Policy, Fraud Prevention, Complaints Policy, Merchant Terms & Conditions (applicable only for Merchants), Merchant Acceptance & Use Policy (applicable only for Merchants), Schedule of Fees and other documents located online on the "Legal Agreements" section of the online page / website of the Company (and as amended from time to time as per the relevant policies of the Company) and/or any signed hard copies of Merchant Application Form and/or Merchant Agreement (where required and applicable for any Client also being Merchant) are incorporated by reference into this Agreement and provide additional terms and conditions related to the Services (hereinafter the “"Ancillary Documents"). For the avoidance of doubt, neither the Ancillary Documents nor the parts of this Agreement that incorporate the terms of the Ancillary Documents constitute "framework contracts" for the purpose of the EU Payment Services Directive (2015/2366 ) or any implementation of that directive in the EU or EEA. This Agreement, together with other legal terms and legally required disclosures relating to your use of the Oro Pay OROPAY Services will be provided to you, at all times on the Oro Pay OROPAY website(s) (typically located on the "Legal Agreements" landing page). This information may also be sent to you or appear in places on the Oro Pay OROPAY website(s) or otherwise where relevant to your use of the Services. Legal Documents are available online to the Company’s website to be downloaded by any Client. By registering for the Services, you must read, agree with and accept all of the terms and conditions contained in this Agreement. This Agreement is provided to you and concluded in English. You agree that any use by you of the Services shall constitute your acceptance of this the Agreement and we recommend that you store or print-off a copy of the Agreement (including all policies) and such other documents for your records. The Company may require you to have an Oro Pay OROPAY Account to use the Services (including, without limitation, to send or receive payments or to use Oro Pay OROPAY as a means of logging into third party services). You are strongly encouraged to review the terms and conditions of this Agreement prior to accepting them. It is your sole responsibility to understand and comply with all the laws, rules and regulations that are relevant to your jurisdiction (place of residence) and that may apply in connection to your use of the service. Please consider seeking legal advice if you are not comfortable with your personal understanding of the terms and conditions in this Agreement. Consider all aspects of this Agreement, the Policies and the relevant laws and regulations when choosing to use the Service at any time. Certain jurisdictional limitations that could apply to you may include but not be limited to, foreign currency conversions, import or export of certain goods and/or services, duties, taxes, and customs. Also take notice of the fact that the Legal Agreements posted online to Oro PayOROPAY’s website may from time to time be amended and changed accordingly and you will be notified respectively. In any case, you are kindly advised to periodically review and check online the section on Oro PayOROPAY’s website entitled Legal Agreements for any applicable amendments or changes to such Agreements so as to always be updated on the legal relationship between you and the Company at all times.

INTRODUCTORY REMARKS. This Agreement is a contract between you (“registered Client / Customer”) and Oro Pay Ltd (hereinafter the “Company”) and applies to your use of the Services. The terms of this Agreement (Terms & Conditions of Services), plus the Privacy Policy, Cookie Policy, Fraud Prevention, Complaints Policy, Merchant Terms & Conditions (applicable only for Merchants), Merchant Acceptance & Use Policy (applicable only for Merchants), Schedule of Fees Fees, UAB PAYRNET Business Terms (applicable for Merchants), UAB PAYRNET Consumer Terms and other documents located online on the "Legal Agreements" section of the online page / website of the Company (and as amended from time to time as per the relevant policies of the Company) and/or any signed hard copies of Merchant Application Form and/or Merchant Agreement (where required and applicable for any Client also being Merchant) are incorporated by reference into this Agreement and provide additional terms and conditions related to the Services (hereinafter the “Ancillary Documents"). For the avoidance of doubt, neither the Ancillary Documents nor the parts of this Agreement that incorporate the terms of the Ancillary Documents constitute "framework contracts" for the purpose of the EU Payment Services Directive (2015/2366 ) or any implementation of that directive in the EU or EEA. This Agreement, together with other legal terms and legally required disclosures relating to your use of the Oro Pay Services will be provided to you, at all times on the Oro Pay website(s) (typically located on the "Legal Agreements" landing page). This information may also be sent to you or appear in places on the Oro Pay website(s) or otherwise where relevant to your use of the Services. By registering for the Services, you must read, agree with and accept all of the terms and conditions contained in this Agreement. This Agreement is provided to you and concluded in English. You agree that any use by you of the Services shall constitute your acceptance of this Agreement and we recommend that you store or print-off a copy of the Agreement (including all policies) and such other documents for your records. The Company may require you to have an Oro Pay Account to use the Services (including, without limitation, to send or receive payments or to use Oro Pay as a means of logging into third party services). You are strongly encouraged to review the terms and conditions of this Agreement prior to accepting them. It is your sole responsibility to understand and comply with all the laws, rules and regulations that are relevant to your jurisdiction (place of residence) and that may apply in connection to your use of the service. Please consider seeking legal advice if you are not comfortable with your personal understanding of the terms and conditions in this Agreement. Consider all aspects of this Agreement, the Policies and the relevant laws and regulations when choosing to use the Service at any time. Certain jurisdictional limitations that could apply to you may include but not be limited to, foreign currency conversions, import or export of certain goods and/or services, duties, taxes, and customs. Also take notice of the fact that the Legal Agreements posted online to Oro Pay’s website may from time to time be amended and changed accordingly and you will be notified respectively. In any case, you are kindly advised to periodically review and check online the section on Oro Pay’s website entitled Legal Agreements for any applicable amendments or changes to such Agreements so as to always be updated on the legal relationship between you and the Company at all times.