Common use of PAYING FOR OUR SERVICES AND CURRENCY EXCHANGE Clause in Contracts

PAYING FOR OUR SERVICES AND CURRENCY EXCHANGE. 5.1 Our Service Fee. In consideration of our providing you with our Services, you agree to pay us a service fee (“Service Fee”) with each transaction you submit to us, in addition to the Transaction Amount all at the time you submit a transaction with us. Clear details on the discrete Service Fee amount related to a Transaction will be made available to you prior to you giving us your consent to execute your Transaction, giving you time to consider whether you wish to be charged that Service Fee for our Service. You can also find details of our Service Fees [here](xxxxx://xxx.xxxxxxx.xxx/be/en/ poland/pricing). For some services, we may agree not to charge you a Service Fee. Payment of our Service Fee and the Transaction Amount in the applicable currency is due and payable by you to us at the time the Transaction is submitted by you for processing. You agree that we may deduct any Service Fee or other fee that you may owe us from any payment Transaction Amount that we may make available to your nominated Recipient. 5.2 How you can pay us for our Services. We only permit you to pay for our Services (including payment of the Transaction Amount and any applicable Service Fee): a. in accordance with the instructions our Service notifies you to make payment; and b. by using either (a) a nominated bank transfer; or (b) a debit or credit card, the acceptable brands of which we will notify you via our Service Under no circumstances are we obligated to accept payment for our Services using other payment methods. If you pay us (or attempt to pay us) with a different payment method (for example, in cash) or in a manner in which we do not notify you to make payment, we are under no obligation to provide you with our Services and this will be treated by us as you breaking a material term of this Agreement. 5.3 Other fees and amounts you may owe us. If you submit a Transaction that results in us being charged a fee or an amount as a result of your Funding Instrument not being used in a potentially legitimate manner and/or with insufficient funds or credit, you agree to pay us the amount equivalent to the amount we are charged. In particular, if you submit a transaction that results in us being charged “NSF fees”, “chargeback fees”, a reclaim of the Transaction Amount or other similar costs, you agree to reimburse Remitly for all such fees and amounts. These other fees and charges are due by you to us immediately at the time we notify you the applicable fee, amount or charge has arisen. To explain some of these fees in more detail: a “NSF” fee (also known as an ‘insufficient funds’ fee) arises to the extent that we are notified and charged a fee from our banking partners when there are insufficient funds in the bank account you use to fund your Transaction. Also, a ‘chargeback fee’ arises following a challenge made by a user of a card directly to their card issuer (such as a bank). For example, this may occur if a card user makes a claim to their bank that a payment made on that card as part of the use of our Service has been done so illegitimately and then that card issuer makes an ultimate claim against us for being involved in any such transaction. In the event you are liable for any amounts owed to us, we reserve the right to collect your debt to us through legal means, including, without limitation, through the use of a debt collection agency. 5.4 Currency conversion and exchange rates. Our Services only permit you to send money transfers in certain currencies. Usually this will be the currency which is available in the Recipient’s country or region, but could involve others. Our online forms will calculate the currency which is available to your Recipient and what exchange rate will apply. You will be able to check this before you make a Transaction and it will also be notified to you in our Transaction confirmation notice. You acknowledge and agree that we may earn revenue from the exchange rate applied to a Transaction and by instructing us to process a Transaction via our Service, you agree to the application of the exchange rate calculated for that Transaction. 5.5 You are responsible for third party fees and charges. When using our Services, other third parties may levy fees, costs or other liabilities. This may include your bank, card issuer, phone provider, internet service provider. For example, some credit card issuers may treat the use of your credit card to use our Services as a “cash advance” and may impose additional fees and interest cost for the transaction. Also, your phone and/or Internet service provider may charge you fees relating to data and messaging services. You (and not us) are responsible for any fees, charges, costs and/or expenses charged by such third parties in connection with your use of our Services. Please check your agreements with these third party providers for details on any of these additional costs.

PAYING FOR OUR SERVICES AND CURRENCY EXCHANGE. 5.1 Our Service Fee. In consideration of our providing you with our Services, you agree to pay us a service fee (“Service Fee”) with each transaction you submit to us, in addition to the Transaction Amount all at the time you submit a transaction with us. Clear details on the discrete Service Fee amount related to a Transaction will be made available to you prior to you giving us your consent to execute your Transaction, giving you time to consider whether you wish to be charged that Service Fee for our Service. You can also find details of our Service Fees [here](xxxxx://xxx.xxxxxxx.xxx/be/en/ polandhere](/home/pricing). For some services, we may agree not to charge you a Service Fee. Payment of our Service Fee and the Transaction Amount in the applicable currency is due and payable by you to us at the time the Transaction is submitted by you for processing. You agree that we may deduct any Service Fee or other fee that you may owe us from any payment Transaction Amount that we may make available to your nominated Recipient. 5.2 How you can pay us for our Services. We only permit you to pay for our Services (including payment of the Transaction Amount and any applicable Service Fee): a. in accordance with the instructions our Service notifies you to make payment; and b. by using either (a) a nominated bank transfer; or (b) a debit or credit card, the acceptable brands of which we will notify you via our Service (“Card Funded Payments”) Under no circumstances are we obligated to accept payment for our Services using other payment methods. If you pay us (or attempt to pay us) with a different payment method (for example, in cash) or in a manner in which we do not notify you to make payment, we are under no obligation to provide you with our Services and this will be treated by us as you breaking a material term of this Agreement. 5.3 Other fees and amounts you may owe us. If you submit a Transaction that results in us being charged a fee or an amount as a result of your Funding Instrument not being used in a potentially legitimate manner and/or with insufficient funds or credit, you agree to pay us the amount equivalent to the amount we are charged. In particular, if you submit a transaction that results in us being charged “NSF fees”, “chargeback fees”, a reclaim of the Transaction Amount or other similar costs, you agree to reimburse Remitly for all such fees and amounts. These other fees and charges are due by you to us immediately at the time we notify you the applicable fee, amount or charge has arisen. To explain some of these fees in more detail: a “NSF” fee (also known as an ‘insufficient funds’ fee) arises to the extent that we are notified and charged a fee from our banking partners when there are insufficient funds in the bank account you use to fund your Transaction. Also, a ‘chargeback fee’ arises following a challenge made by a user of a card directly to their card issuer (such as a bank). For example, this may occur if a card user makes a claim to their bank that a payment made on that card as part of the use of our Service has been done so illegitimately and then that card issuer makes an ultimate claim against us for being involved in any such transaction. In the event you are liable for any amounts owed to us, we reserve the right to collect your debt to us through legal means, including, without limitation, through the use of a debt collection agency. 5.4 Currency conversion and exchange rates. Our Services only permit you to send money transfers in certain currencies. Usually this will be the currency which is available in the Recipient’s country or region, but could involve others. Our online forms will calculate the currency which is available to your Recipient and what exchange rate will apply. You will be able to check this before you make a Transaction and it will also be notified to you in our Transaction confirmation notice. You acknowledge and agree that we may earn revenue from the exchange rate applied to a Transaction and by instructing us to process a Transaction via our Service, you agree to the application of the exchange rate calculated for that Transaction. 5.5 You are responsible for third party fees and charges. When using our Services, other third parties may levy fees, costs or other liabilities. This may include your bank, card issuer, phone provider, internet service provider. For example, some credit card issuers may treat the use of your credit card to use our Services as a “cash advance” and may impose additional fees and interest cost for the transaction. Also, your phone and/or Internet service provider may charge you fees relating to data and messaging services. You (and not us) are responsible for any fees, charges, costs and/or expenses charged by such third parties in connection with your use of our Services. Please check your agreements with these third party providers for details on any of these additional costs.

PAYING FOR OUR SERVICES AND CURRENCY EXCHANGE. 5.1 Our Service Fee. In consideration of our providing you with our Services, you agree to pay us a service fee (“Service Fee”) with each transaction you submit to us, in addition to the Transaction Amount all at the time you submit a transaction with us. Clear details on the discrete Service Fee amount related to a Transaction will be made available to you prior to you giving us your consent to execute your Transaction, giving you time to consider whether you wish to be charged that Service Fee for our Service. You can also find details of our Service Fees [here](xxxxx://xxx.xxxxxxx.xxx/be/en/ polandhere](/home/pricing). For some services, we may agree not to charge you a Service Fee. Payment of our Service Fee and the Transaction Amount in the applicable currency Euros is due and payable by you to us at the time the Transaction is submitted by you for processing. You agree that we may deduct any Service Fee or other fee that you may owe us from any payment Transaction Amount that we may make available to your nominated Recipient. 5.2 How you can pay us for our Services. We only permit you to pay for our Services (including payment of the Transaction Amount and any applicable Service Fee): a. ): in accordance with the instructions our Service notifies you to make payment; and b. a. by using either (a) a nominated bank transfer; or (b) a debit or credit card, the acceptable brands of which we will notify you via our Service (“Card Funded Payments”) b. bank transfer via SOFORT. Under no circumstances are we obligated to accept payment for our Services using other payment methods. If you pay us (or attempt to pay us) with a different payment method (for example, in cash) or in a manner in which we do not notify you to make payment, we are under no obligation to provide you with our Services and this will be treated by us as you breaking a material term of this Agreement. 5.3 Other fees and amounts you may owe us. If you submit a Transaction that results in us being charged a fee or an amount as a result of your Funding Instrument not being used in a potentially legitimate manner and/or with insufficient funds or credit, you agree to pay us the amount equivalent to the amount we are charged. In particular, if you submit a transaction that results in us being charged “NSF fees”, “chargeback fees”, a reclaim of the Transaction Amount or other similar costs, you agree to reimburse Remitly for all such fees and amounts. These other fees and charges are due by you to us immediately at the time we notify you the applicable fee, amount or charge has arisen. To explain some of these fees in more detail: a “NSF” fee (also known as an ‘insufficient funds’ fee) arises to the extent that we are notified and charged a fee from our banking partners when there are insufficient funds in the bank account you use to fund your Transaction. Also, a ‘chargeback fee’ arises following a challenge made by a user of a card directly to their card issuer (such as a bank). For example, this may occur if a card user makes a claim to their bank that a payment made on that card as part of the use of our Service has been done so illegitimately and then that card issuer makes an ultimate claim against us for being involved in any such transaction. In the event you are liable for any amounts owed to us, we reserve the right to collect your debt to us through legal means, including, without limitation, through the use of a debt collection agency. 5.4 Currency conversion and exchange rates. Our Services only permit you to send money transfers in certain currencies. Usually this will be the currency which is available in the Recipient’s country or region, but could involve others. Our online forms will calculate the currency which is available to your Recipient and what exchange rate will apply. You will be able to check this before you make a Transaction and it will also be notified to you in our Transaction confirmation notice. You acknowledge and agree that we may earn revenue from the exchange rate applied to a Transaction and by instructing us to process a Transaction via our Service, you agree to the application of the exchange rate calculated for that Transaction. 5.5 You are responsible for third party fees and charges. When using our Services, other third parties may levy fees, costs or other liabilities. This may include your bank, card issuer, phone provider, internet service provider. For example, some credit card issuers may treat the use of your credit card to use our Services as a “cash advance” and may impose additional fees and interest cost for the transaction. Also, your phone and/or Internet service provider may charge you fees relating to data and messaging services. You (and not us) are responsible for any fees, charges, costs and/or expenses charged by such third parties in connection with your use of our Services. Please check your agreements with these third party providers for details on any of these additional costs.

PAYING FOR OUR SERVICES AND CURRENCY EXCHANGE. 5.1 Our Service Fee. In consideration of our providing you with our Services, you agree to pay us a service fee (“Service Fee”) with each transaction you submit to us, in addition to the Transaction Amount all at the time you submit a transaction with us. Clear details on the discrete Service Fee amount related to a Transaction will be made available to you prior to you giving us your consent to execute your Transaction, giving you time to consider whether you wish to be charged that Service Fee for our Service. You can also find details of our Service Fees [here](xxxxx://xxx.xxxxxxx.xxx/be/en/ polandhere](/home/pricing). For some services, we may agree not to charge you a Service Fee. Payment of our Service Fee and the Transaction Amount in the applicable currency Euros is due and payable by you to us at the time the Transaction is submitted by you for processing. You agree that we may deduct any Service Fee or other fee that you may owe us from any payment Transaction Amount that we may make available to your nominated Recipient. 5.2 How you can pay us for our Services. We only permit you to pay for our Services (including payment of the Transaction Amount and any applicable Service Fee): a. ): in accordance with the instructions our Service notifies you to make payment; and b. a. by using either (a) a nominated bank transfer; or (b) a debit or credit card, the acceptable brands of which we will notify you via our Service (“Card Funded Payments”) b. bank transfer via iDEAL. Under no circumstances are we obligated to accept payment for our Services using other payment methods. If you pay us (or attempt to pay us) with a different payment method (for example, in cash) or in a manner in which we do not notify you to make payment, we are under no obligation to provide you with our Services and this will be treated by us as you breaking a material term of this Agreement. 5.3 Other fees and amounts you may owe us. If you submit a Transaction that results in us being charged a fee or an amount as a result of your Funding Instrument not being used in a potentially legitimate manner and/or with insufficient funds or credit, you agree to pay us the amount equivalent to the amount we are charged. In particular, if you submit a transaction that results in us being charged “NSF fees”, “chargeback fees”, a reclaim of the Transaction Amount or other similar costs, you agree to reimburse Remitly for all such fees and amounts. These other fees and charges are due by you to us immediately at the time we notify you the applicable fee, amount or charge has arisen. To explain some of these fees in more detail: a “NSF” fee (also known as an ‘insufficient funds’ fee) arises to the extent that we are notified and charged a fee from our banking partners when there are insufficient funds in the bank account you use to fund your Transaction. Also, a ‘chargeback fee’ arises following a challenge made by a user of a card directly to their card issuer (such as a bank). For example, this may occur if a card user makes a claim to their bank that a payment made on that card as part of the use of our Service has been done so illegitimately and then that card issuer makes an ultimate claim against us for being involved in any such transaction. In the event you are liable for any amounts owed to us, we reserve the right to collect your debt to us through legal means, including, without limitation, through the use of a debt collection agency. 5.4 Currency conversion and exchange rates. Our Services only permit you to send money transfers in certain currencies. Usually this will be the currency which is available in the Recipient’s country or region, but could involve others. Our online forms will calculate the currency which is available to your Recipient and what exchange rate will apply. You will be able to check this before you make a Transaction and it will also be notified to you in our Transaction confirmation notice. You acknowledge and agree that we may earn revenue from the exchange rate applied to a Transaction and by instructing us to process a Transaction via our Service, you agree to the application of the exchange rate calculated for that Transaction. 5.5 You are responsible for third party fees and charges. When using our Services, other third parties may levy fees, costs or other liabilities. This may include your bank, card issuer, phone provider, internet service provider. For example, some credit card issuers may treat the use of your credit card to use our Services as a “cash advance” and may impose additional fees and interest cost for the transaction. Also, your phone and/or Internet service provider may charge you fees relating to data and messaging services. You (and not us) are responsible for any fees, charges, costs and/or expenses charged by such third parties in connection with your use of our Services. Please check your agreements with these third party providers for details on any of these additional costs.

PAYING FOR OUR SERVICES AND CURRENCY EXCHANGE. 5.1 Our Service Fee. In consideration of our providing you with our Services, you agree to pay us a service fee (“Service Fee”) with each transaction you submit to us, in addition to the Transaction Amount all at the time you submit a transaction with us. Clear details on the discrete Service Fee amount related to a Transaction will be made available to you prior to you giving us your consent to execute your Transaction, giving you time to consider whether you wish to be charged that Service Fee for our Service. You can also find details of our Service Fees [here](xxxxx://xxx.xxxxxxx.xxx/be/en/ polandhere](/ home/pricing). For some services, we may agree not to charge you a Service Fee. Payment of our Service Fee and the Transaction Amount in the applicable currency Euros is due and payable by you to us at the time the Transaction is submitted by you for processing. You agree that we may deduct any Service Fee or other fee that you may owe us from any payment Transaction Amount that we may make available to your nominated Recipient. 5.2 How you can pay us for our Services. We only permit you to pay for our Services (including payment of the Transaction Amount and any applicable Service Fee): a. ): in accordance with the instructions our Service notifies you to make payment; and b. a. by using either (a) a nominated bank transfer; or (b) a debit or credit card, the acceptable brands of which we will notify you via our Service (“Card Funded Payments”) b. bank transfer via SOFORT. Under no circumstances are we obligated to accept payment for our Services using other payment methods. If you pay us (or attempt to pay us) with a different payment method (for example, in cash) or in a manner in which we do not notify you to make payment, we are under no obligation to provide you with our Services and this will be treated by us as you breaking a material term of this Agreement. 5.3 Other fees and amounts you may owe us. If you submit a Transaction that results in us being charged a fee or an amount as a result of your Funding Instrument not being used in a potentially legitimate manner and/or with insufficient funds or credit, you agree to pay us the amount equivalent to the amount we are charged. In particular, if you submit a transaction that results in us being charged “NSF fees”, “chargeback fees”, a reclaim of the Transaction Amount or other similar costs, you agree to reimburse Remitly for all such fees and amounts. These other fees and charges are due by you to us immediately at the time we notify you the applicable fee, amount or charge has arisen. To explain some of these fees in more detail: a “NSF” fee (also known as an ‘insufficient funds’ fee) arises to the extent that we are notified and charged a fee from our banking partners when there are insufficient funds in the bank account you use to fund your Transaction. Also, a ‘chargeback fee’ arises following a challenge made by a user of a card directly to their card issuer (such as a bank). For example, this may occur if a card user makes a claim to their bank that a payment made on that card as part of the use of our Service has been done so illegitimately and then that card issuer makes an ultimate claim against us for being involved in any such transaction. In the event you are liable for any amounts owed to us, we reserve the right to collect your debt to us through legal means, including, without limitation, through the use of a debt collection agency. 5.4 Currency conversion and exchange rates. Our Services only permit you to send money transfers in certain currencies. Usually this will be the currency which is available in the Recipient’s country or region, but could involve others. Our online forms will calculate the currency which is available to your Recipient and what exchange rate will apply. You will be able to check this before you make a Transaction and it will also be notified to you in our Transaction confirmation notice. You acknowledge and agree that we may earn revenue from the exchange rate applied to a Transaction and by instructing us to process a Transaction via our Service, you agree to the application of the exchange rate calculated for that Transaction. 5.5 You are responsible for third party fees and charges. When using our Services, other third parties may levy fees, costs or other liabilities. This may include your bank, card issuer, phone provider, internet service provider. For example, some credit card issuers may treat the use of your credit card to use our Services as a “cash advance” and may impose additional fees and interest cost for the transaction. Also, your phone and/or Internet service provider may charge you fees relating to data and messaging services. You (and not us) are responsible for any fees, charges, costs and/or expenses charged by such third parties in connection with your use of our Services. Please check your agreements with these third party providers for details on any of these additional costs.

PAYING FOR OUR SERVICES AND CURRENCY EXCHANGE. 5.1 Our Service Fee. In consideration of our providing you with our Services, you agree to pay us a service fee (“Service Fee”) with each transaction you submit to us, in addition to the Transaction Amount all at the time you submit a transaction with us. Clear details on the discrete Service Fee amount related to a Transaction will be made available to you prior to you giving us your consent to execute your Transaction, giving you time to consider whether you wish to be charged that Service Fee for our Service. You can also find details of our Service Fees [here](xxxxx://xxx.xxxxxxx.xxx/be/en/ polandhere](/ home/pricing). For some services, we may agree not to charge you a Service Fee. Payment of our Service Fee and the Transaction Amount in the applicable currency is due and payable by you to us at the time the Transaction is submitted by you for processing. You agree that we may deduct any Service Fee or other fee that you may owe us from any payment Transaction Amount that we may make available to your nominated Recipient. 5.2 How you can pay us for our Services. We only permit you to pay for our Services (including payment of the Transaction Amount and any applicable Service Fee): a. in accordance with the instructions our Service notifies you to make payment; and b. by using either (a) a nominated bank transfer; or (b) a debit or credit card, the acceptable brands of which we will notify you via our Service (“Card Funded Payments”) Under no circumstances are we obligated to accept payment for our Services using other payment methods. If you pay us (or attempt to pay us) with a different payment method (for example, in cash) or in a manner in which we do not notify you to make payment, we are under no obligation to provide you with our Services and this will be treated by us as you breaking a material term of this Agreement. 5.3 Other fees and amounts you may owe us. If you submit a Transaction that results in us being charged a fee or an amount as a result of your Funding Instrument not being used in a potentially legitimate manner and/or with insufficient funds or credit, you agree to pay us the amount equivalent to the amount we are charged. In particular, if you submit a transaction that results in us being charged “NSF fees”, “chargeback fees”, a reclaim of the Transaction Amount or other similar costs, you agree to reimburse Remitly for all such fees and amounts. These other fees and charges are due by you to us immediately at the time we notify you the applicable fee, amount or charge has arisen. To explain some of these fees in more detail: a “NSF” fee (also known as an ‘insufficient funds’ fee) arises to the extent that we are notified and charged a fee from our banking partners when there are insufficient funds in the bank account you use to fund your Transaction. Also, a ‘chargeback fee’ arises following a challenge made by a user of a card directly to their card issuer (such as a bank). For example, this may occur if a card user makes a claim to their bank that a payment made on that card as part of the use of our Service has been done so illegitimately and then that card issuer makes an ultimate claim against us for being involved in any such transaction. In the event you are liable for any amounts owed to us, we reserve the right to collect your debt to us through legal means, including, without limitation, through the use of a debt collection agency. 5.4 Currency conversion and exchange rates. Our Services only permit you to send money transfers in certain currencies. Usually this will be the currency which is available in the Recipient’s country or region, but could involve others. Our online forms will calculate the currency which is available to your Recipient and what exchange rate will apply. You will be able to check this before you make a Transaction and it will also be notified to you in our Transaction confirmation notice. You acknowledge and agree that we may earn revenue from the exchange rate applied to a Transaction and by instructing us to process a Transaction via our Service, you agree to the application of the exchange rate calculated for that Transaction. 5.5 You are responsible for third party fees and charges. When using our Services, other third parties may levy fees, costs or other liabilities. This may include your bank, card issuer, phone provider, internet service provider. For example, some credit card issuers may treat the use of your credit card to use our Services as a “cash advance” and may impose additional fees and interest cost for the transaction. Also, your phone and/or Internet service provider may charge you fees relating to data and messaging services. You (and not us) are responsible for any fees, charges, costs and/or expenses charged by such third parties in connection with your use of our Services. Please check your agreements with these third party providers for details on any of these additional costs.

PAYING FOR OUR SERVICES AND CURRENCY EXCHANGE. 5.1 Our Service Fee. In consideration of our providing you with our Services, you agree to pay us a service fee (“Service Fee”) with each transaction you submit to us, in addition to the Transaction Amount all at the time you submit a transaction with us. Clear details on the discrete Service Fee amount related to a Transaction will be made available to you prior to you giving us your consent to execute your Transaction, giving you time to consider whether you wish to be charged that Service Fee for our Service. You can also find details of our Service Fees [here](xxxxx://xxx.xxxxxxx.xxx/be/en/ poland/pricinghere] (xxxxx://xxx.xxxxxxx.xxx/be/en/poland/pricing). For some services, we may agree not to charge you a Service Fee. Payment of our Service Fee and the Transaction Amount in the applicable currency is due and payable by you to us at the time the Transaction is submitted by you for processing. You agree that we may deduct any Service Fee or other fee that you may owe us from any payment Transaction Amount that we may make available to your nominated Recipient. 5.2 How you can pay us for our Services. We only permit you to pay for our Services (including payment of the Transaction Amount and any applicable Service Fee): a. in accordance with the instructions our Service notifies you to make payment; and b. by using either (a) a nominated bank transfer; or (b) a debit or credit card, the acceptable brands of which we will notify you via our Service Under no circumstances are we obligated to accept payment for our Services using other payment methods. If you pay us (or attempt to pay us) with a different payment method (for example, in cash) or in a manner in which we do not notify you to make payment, we are under no obligation to provide you with our Services and this will be treated by us as you breaking a material term of this Agreement. 5.3 Other fees and amounts you may owe us. If you submit a Transaction that results in us being charged a fee or an amount as a result of your Funding Instrument not being used in a potentially legitimate manner and/or with insufficient funds or credit, you agree to pay us the amount equivalent to the amount we are charged. In particular, if you submit a transaction that results in us being charged “NSF fees”, “chargeback fees”, a reclaim of the Transaction Amount or other similar costs, you agree to reimburse Remitly for all such fees and amounts. These other fees and charges are due by you to us immediately at the time we notify you the applicable fee, amount or charge has arisen. To explain some of these fees in more detail: a “NSF” fee (also known as an ‘insufficient funds’ fee) arises to the extent that we are notified and charged a fee from our banking partners when there are insufficient funds in the bank account you use to fund your Transaction. Also, a ‘chargeback fee’ arises following a challenge made by a user of a card directly to their card issuer (such as a bank). For example, this may occur if a card user makes a claim to their bank that a payment made on that card as part of the use of our Service has been done so illegitimately and then that card issuer makes an ultimate claim against us for being involved in any such transaction. In the event you are liable for any amounts owed to us, we reserve the right to collect your debt to us through legal means, including, without limitation, through the use of a debt collection agency. 5.4 Currency conversion and exchange rates. Our Services only permit you to send money transfers in certain currencies. Usually this will be the currency which is available in the Recipient’s country or region, but could involve others. Our online forms will calculate the currency which is available to your Recipient and what exchange rate will apply. You will be able to check this before you make a Transaction and it will also be notified to you in our Transaction confirmation notice. You acknowledge and agree that we may earn revenue from the exchange rate applied to a Transaction and by instructing us to process a Transaction via our Service, you agree to the application of the exchange rate calculated for that Transaction.our 5.5 You are responsible for third party fees and charges. When using our Services, other third parties may levy fees, costs or other liabilities. This may include your bank, card issuer, phone provider, internet service provider. For example, some credit card issuers may treat the use of your credit card to use our Services as a “cash advance” and may impose additional fees and interest cost for the transaction. Also, your phone and/or Internet service provider may charge you fees relating to data and messaging services. You (and not us) are responsible for any fees, charges, costs and/or expenses charged by such third parties in connection with your use of our Services. Please check your agreements with these third party providers for details on any of these additional costs.

PAYING FOR OUR SERVICES AND CURRENCY EXCHANGE. 5.1 Our Service Fee. In consideration of our providing you with our Services, you agree to pay us a service fee (“Service Fee”) with each transaction you submit to us, in addition to the Transaction Amount all at the time you submit a transaction with us. Clear details on the discrete Service Fee amount related to a Transaction will be made available to you prior to you giving us your consent to execute your Transaction, giving you time to consider whether you wish to be charged that Service Fee for our Service. You can also find details of our Service Fees [here](xxxxx://xxx.xxxxxxx.xxx/be/en/ poland/pricinghere] (xxxxx://xxx.xxxxxxx.xxx/be/en/poland/pricing). For some services, we may agree not to charge you a Service Fee. Payment of our Service Fee and the Transaction Amount in the applicable currency is due and payable by you to us at the time the Transaction is submitted by you for processing. You agree that we may deduct any Service Fee or other fee that you may owe us from any payment Transaction Amount that we may make available to your nominated Recipient. 5.2 How you can pay us for our Services. We only permit you to pay for our Services (including payment of the Transaction Amount and any applicable Service Fee): a. in accordance with the instructions our Service notifies you to make payment; and b. by using either (a) a nominated bank transfer; or (b) a debit or credit card, the acceptable brands of which we will notify you via our Service Under no circumstances are we obligated to accept payment for our Services using other payment methods. If you pay us (or attempt to pay us) with a different payment method (for example, in cash) or in a manner in which we do not notify you to make payment, we are under no obligation to provide you with our Services and this will be treated by us as you breaking a material term of this Agreement. 5.3 Other fees and amounts you may owe us. If you submit a Transaction that results in us being charged a fee or an amount as a result of your Funding Instrument not being used in a potentially legitimate manner and/or with insufficient funds or credit, you agree to pay us the amount equivalent to the amount we are charged. In particular, if you submit a transaction that results in us being charged “NSF fees”, “chargeback fees”, a reclaim of the Transaction Amount or other similar costs, you agree to reimburse Remitly for all such fees and amounts. These other fees and charges are due by you to us immediately at the time we notify you the applicable fee, amount or charge has arisen. To explain some of these fees in more detail: a “NSF” fee (also known as an ‘insufficient funds’ fee) arises to the extent that we are notified and charged a fee from our banking partners when there are insufficient funds in the bank account you use to fund your Transaction. Also, a ‘chargeback fee’ arises following a challenge made by a user of a card directly to their card issuer (such as a bank). For example, this may occur if a card user makes a claim to their bank that a payment made on that card as part of the use of our Service has been done so illegitimately and then that card issuer makes an ultimate claim against us for being involved in any such transaction. In the event you are liable for any amounts owed to us, we reserve the right to collect your debt to us through legal means, including, without limitation, through the use of a debt collection agency. 5.4 Currency conversion and exchange rates. Our Services only permit you to send money transfers in certain currencies. Usually this will be the currency which is available in the Recipient’s country or region, but could involve others. Our online forms will calculate the currency which is available to your Recipient and what exchange rate will apply. You will be able to check this before you make a Transaction and it will also be notified to you in our Transaction confirmation notice. You acknowledge and agree that we may earn revenue from the exchange rate applied to a Transaction and by instructing us to process a Transaction via our Service, you agree to the application of the exchange rate calculated for that Transaction. 5.5 You are responsible for third party fees and charges. When using our Services, other third parties may levy fees, costs or other liabilities. This may include your bank, card issuer, phone provider, internet service provider. For example, some credit card issuers may treat the use of your credit card to use our Services as a “cash advance” and may impose additional fees and interest cost for the transaction. Also, your phone and/or Internet service provider may charge you fees relating to data and messaging services. You (and not us) are responsible for any fees, charges, costs and/or expenses charged by such third parties in connection with your use of our Services. Please check your agreements with these third party providers for details on any of these additional costs.

PAYING FOR OUR SERVICES AND CURRENCY EXCHANGE. 5.1 Our Service Fee. In consideration of our providing you with our Services, you agree to pay us a service fee (“Service Fee”) with each transaction you submit to us, in addition to the Transaction Amount all at the time you submit a transaction with us. Clear details on the discrete Service Fee amount related to a Transaction will be made available to you prior to you giving us your consent to execute your Transaction, giving you time to consider whether you wish to be charged that Service Fee for our Service. You can also find details of our Service Fees [here](xxxxx://xxx.xxxxxxx.xxx/be/en/ polandhere](/ home/pricing). For some services, we may agree not to charge you a Service Fee. Payment of our Service Fee and the Transaction Amount in the applicable currency is due and payable by you to us at the time the Transaction is submitted by you for processing. You agree that we may deduct any Service Fee or other fee that you may owe us from any payment Transaction Amount that we may make available to your nominated Recipient. 5.2 How you can pay us for our Services. We only permit you to pay for our Services (including payment of the Transaction Amount and any applicable Service Fee):our a. in accordance with the instructions our Service notifies you to make payment; and b. by using either (a) a nominated bank transfer; or (b) a debit or credit card, the acceptable brands of which we will notify you via our Service (“Card Funded Payments”) Under no circumstances are we obligated to accept payment for our Services using other payment methods. If you pay us (or attempt to pay us) with a different payment method (for example, in cash) or in a manner in which we do not notify you to make payment, we are under no obligation to provide you with our Services and this will be treated by us as you breaking a material term of this Agreement. 5.3 Other fees and amounts you may owe us. If you submit a Transaction that results in us being charged a fee or an amount as a result of your Funding Instrument not being used in a potentially legitimate manner and/or with insufficient funds or credit, you agree to pay us the amount equivalent to the amount we are charged. In particular, if you submit a transaction that results in us being charged “NSF fees”, “chargeback fees”, a reclaim of the Transaction Amount or other similar costs, you agree to reimburse Remitly for all such fees and amounts. These other fees and charges are due by you to us immediately at the time we notify you the applicable fee, amount or charge has arisen. To explain some of these fees in more detail: a “NSF” fee (also known as an ‘insufficient funds’ fee) arises to the extent that we are notified and charged a fee from our banking partners when there are insufficient funds in the bank account you use to fund your Transaction. Also, a ‘chargeback fee’ arises following a challenge made by a user of a card directly to their card issuer (such as a bank). For example, this may occur if a card user makes a claim to their bank that a payment made on that card as part of the use of our Service has been done so illegitimately and then that card issuer makes an ultimate claim against us for being involved in any such transaction. In the event you are liable for any amounts owed to us, we reserve the right to collect your debt to us through legal means, including, without limitation, through the use of a debt collection agency. 5.4 Currency conversion and exchange rates. Our Services only permit you to send money transfers in certain currencies. Usually this will be the currency which is available in the Recipient’s country or region, but could involve others. Our online forms will calculate the currency which is available to your Recipient and what exchange rate will apply. You will be able to check this before you make a Transaction and it will also be notified to you in our Transaction confirmation notice. You acknowledge and agree that we may earn revenue from the exchange rate applied to a Transaction and by instructing us to process a Transaction via our Service, you agree to the application of the exchange rate calculated for that Transaction. 5.5 You are responsible for third party fees and charges. When using our Services, other third parties may levy fees, costs or other liabilities. This may include your bank, card issuer, phone provider, internet service provider. For example, some credit card issuers may treat the use of your credit card to use our Services as a “cash advance” and may impose additional fees and interest cost for the transaction. Also, your phone and/or Internet service provider may charge you fees relating to data and messaging services. You (and not us) are responsible for any fees, charges, costs and/or expenses charged by such third parties in connection with your use of our Services. Please check your agreements with these third party providers for details on any of these additional costs.

PAYING FOR OUR SERVICES AND CURRENCY EXCHANGE. 5.1 Our Service Fee. In consideration of our providing you with our Services, you agree to pay us a service fee (“Service Fee”) with each transaction you submit to us, in addition to the Transaction Amount all at the time you submit a transaction with us. Clear details on the discrete Service Fee amount related to a Transaction will be made available to you prior to you giving us your consent to execute your Transaction, giving you time to consider whether you wish to be charged that Service Fee for our Service. You can also find details of our Service Fees [here](xxxxx://xxx.xxxxxxx.xxx/be/en/ poland/pricinghere] (xxxxx://xxx.xxxxxxx.xxx/be/en/poland/pricing). For some services, we may agree not to charge you a Service Fee. Payment of our Service Fee and the Transaction Amount in the applicable currency is due and payable by you to us at the time the Transaction is submitted by you for processing. You agree that we may deduct any Service Fee or other fee that you may owe us from any payment Transaction Amount that we may make available to your nominated Recipient. 5.2 How you can pay us for our Services. We only permit you to pay for our Services (including payment of the Transaction Amount and any applicable Service Fee): a. in accordance with the instructions our Service notifies you to make payment; and b. by using either (a) a nominated bank transfer; or (b) a debit or credit card, the acceptable brands of which we will notify you via our Service Under no circumstances are we obligated to accept payment for our Services using other payment methods. If you pay us (or attempt to pay us) with a different payment method (for example, in cash) or in a manner in which we do not notify you to make payment, we are under no obligation to provide you with our Services and this will be treated by us as you breaking a material term of this Agreement. 5.3 Other fees and amounts you may owe us. If you submit a Transaction that results in us being charged a fee or an amount as a result of your Funding Instrument not being used in a potentially legitimate manner and/or with insufficient funds or credit, you agree to pay us the amount equivalent to the amount we are charged. In particular, if you submit a transaction that results in us being charged “NSF fees”, “chargeback fees”, a reclaim of the Transaction Amount or other similar costs, you agree to reimburse Remitly for all such fees and amounts. These other fees and charges are due by you to us immediately at the time we notify you the applicable fee, amount or charge has arisen. To explain some of these fees in more detail: a “NSF” fee (also known as an ‘insufficient funds’ fee) arises to the extent that we are notified and charged a fee from our banking partners when there are insufficient funds in the bank account you use to fund your Transaction. Also, a ‘chargeback fee’ arises following a challenge made by a user of a card directly to their card issuer (such as a bank). For example, this may occur if a card user makes a claim to their bank that a payment made on that card as part of the use of our Service has been done so illegitimately and then that card issuer makes an ultimate claim against us for being involved in any such transaction. In the event you are liable for any amounts owed to us, we reserve the right to collect your debt to us through legal means, including, without limitation, through the use of a debt collection agency. 5.4 Currency conversion and exchange rates. Our Services only permit you to send money transfers in certain currencies. Usually this will be the currency which is available in the Recipient’s country or region, but could involve others. Our online forms will calculate the currency which is available to your Recipient and what exchange rate will apply. You will be able to check this before you make a Transaction and it will also be notified to you in our Transaction confirmation notice. You acknowledge and agree that we may earn revenue from the exchange rate applied to a Transaction and by instructing us to process a Transaction via our Service, you agree to the application of the exchange rate calculated for that Transaction.a 5.5 You are responsible for third party fees and charges. When using our Services, other third parties may levy fees, costs or other liabilities. This may include your bank, card issuer, phone provider, internet service provider. For example, some credit card issuers may treat the use of your credit card to use our Services as a “cash advance” and may impose additional fees and interest cost for the transaction. Also, your phone and/or Internet service provider may charge you fees relating to data and messaging services. You (and not us) are responsible for any fees, charges, costs and/or expenses charged by such third parties in connection with your use of our Services. Please check your agreements with these third party providers for details on any of these additional costs.