Common use of REGULATIONS OF THE INVESTMENT PLATFORM Clause in Contracts

REGULATIONS OF THE INVESTMENT PLATFORM. USED TERMS Agreement Mutually reached consensus between the Parties on use of Investment Platform according to these Regulations of the Investment Platform. The Agreement shall be confirmed by the User electronically when creating the User Account Annual Interest Rate remuneration for use of invested funds expressed as a percentage on an annual basis. With the term “Annual Interest rate” also is understood remuneration to the Investor expressed as a percentage on an annual basis that is paid in case of delayed payments by the Borrower Assignee private individual or legal entity who has become the User of the Platform by creating User Account therein and has entered into the Assignment Agreement Assignment Agreement an agreement concluded between the Investor as the Assignee, the Loan Originator as the Assignor and Viainvest on Rights to Claim sale by Loan Originator to Investor. Within this Agreement also may be referred as the loan agreement concluded between the Investor, acting as the lender, and “VIA SMS PL”, Sp.z.o.o., KRS 0000367773, acting as the debtor, in relation to Rights to Claim originated by “VIA SMS PL”, Sp.z.o.o., unless the terms and conditions of the loan agreement are not in contradiction with provisions of the respective Agreement. Special conditions with respect to the loan agreement are established in the Section 6 Assignment Fee agreed price between Assignee and Assignor established in the Basic terms and conditions of the Assignment Agreement Assignor the Loan Originator who owns the Right to Claim against the Borrower in accordance with the concluded Loan Agreement and transfers the Right to Claim to the Assignee Auto Invest order given by the User to Viainvest for automatic acquisition of Right to Claim according to certain criteria chosen and confirmed by the User Borrower a private individual who has entered into the Loan Agreement with the Assignor, acting in the capacity of the lender Borrower’s Payments payments of the principal amount of the Loan, Interest and late payment fee (if applicable) arising from the Loan Agreement that are due from the Borrower to the Assignor Business Day an officially determined business day (8:00 – 17:00 CET; 9:00 – 18:00 by Europe/Riga Time Zone) of the Republic of Latvia, except for Saturdays, Sundays and public holidays Collateral Right to Claim originated in Poland chosen by the Investor before entering the loan agreement as described in Section 6 Interest a fee fixed in EUR the Loan Originator shall pay to Investor for use of its funds that is calculated by multiplying Annual Interest Rate to factual days the funds are used according to this Agreement. By Interest is also understood late interest fee that will be calculated and paid for each day of delay of repayment of the Loan by the Borrower. Interest payments are dependant on incoming payments from the Borrower and are paid out to the Assignee once the Borrower has repaid the Loan principal in full or partly Investment acquisition of Right to Claim Investment Platform online peer-to-peer lending platform with the domain xxx.xxxxxxxxx.xxx , where the User can create its personal account, open and close the deals, make payments and carry out all activities allowed by the Regulations of the Investment Platform Investor a private individual or legal entity who has purchased the Right to Claim from Loan Originator against the Borrower. Within this Agreement may be referred to as the Assignee or the lender as regards to Right to Claim generated by “VIA SMS PL”, Sp.z.o.o., KRS 0000367773 Investor Account an electronic account created by the Assignee in the Investment Platform, which contains personal data independently provided by the Assignee and which the Assignee can access after his/her identity verification pursuant to the Regulations of the Investment Platform. The information in User Account reflects current balance of virtual funds that are available to accomplish the Investment Investor Account Number unique identification number of the User that is provided by Investment Platform once the User Account is registered Loan principal amount of the loan that has been disbursed to the Borrower pursuant to the Loan Agreement and is due, or a part thereof, which the Borrower shall repay to the Loan Originator and the Loan Originator shall transfer to Viainvest for paying to the Assignee depending on the assigned amount of the Right to Claim Loan Agreement Loan Agreement entered into by and between the Loan Originator and the Borrower Loan Originator the Assignor that has disbursed the Loan to the Borrower and handles the claim arising from the Loan Agreement against the Borrower pursuant to the terms and conditions of the Loan Agreement and Assignment Agreement Minimum Claim Amount the amount of the Right to Claim at least amounting to EUR 10.00, excluding xxxx-ups and discounts (if any) Parties Viainvest and the User Price List the amount of payments payable by the Assignee to Viainvest for services received in relation to this Investment Platform that is an integral part of this Agreement Registration Form a special inquiry form completed and submitted electronically by the User in the Investment Platform in order to open personalised Investor Account Right to Claim Loan Originator's right to claim against the Borrower arising from the Loan Agreement and consisting of the principal amount of the Loan and the right to late payment fee as established according to the Loan Agreement Terms and conditions a private individual or official representative of legal entity who has electronically created a User Account in the Investment Platform that is confirmed by Viainvest. Within this Agreement also may be referred as the Assignee, Investor or lender as regards to Right to Claims generated by “VIA SMS PL”, Sp.z.o.o., KRS 0000367773 User’s Bank Account 1) current bank account opened on behalf of the Investor with credit institution registered in Latvia or any other country to which the requirements arising from European Union legislation for the prevention of money laundering and terrorism financing apply; or 2) payment account opened on behalf of the Investor with payment institution registered and licensed in Latvia or any other country to which the requirements arising from European Union legislation for the prevention of money laundering and terrorism financing apply and the payment meets all the following criteria: a) the payment type is SEPA (Single European Payments Account) and the payment is carried out in the currency of euro; b) the payment is made from Investor’s personal IBAN account and c) Investor’s name and surname clearly derives from the details of incoming payment Viainvest SIA “Viainvest”, a limited liability company registered in Latvia under registration number No. 40203015744, operator of the Investment Platform Viainvest's Account Viainvest's payment account No XX000000000000000000 opened with “VIA PAYMENTS” UAB, registration code: 304531696, BIC code: XXXXXX00XXX, to which the User shall, pursuant to this Agreement, transfer the User's funds for making payments via Investment Platform, and which is maintained separately from Viainvest property

REGULATIONS OF THE INVESTMENT PLATFORM. USED TERMS Agreement Mutually reached consensus between the Parties on use of Investment Platform according to these Regulations of the Investment Platform. The Agreement shall be confirmed by the User electronically when creating the User Account Annual Interest Rate remuneration for use of invested funds expressed as a percentage on an annual basis. With the term “Annual Interest rate” also is understood remuneration to the Investor expressed as a percentage on an annual basis that is paid in case of delayed payments by the Borrower Assignee private individual or legal entity who has become the User of the Platform by creating User Account therein and has entered into the Assignment Agreement Assignment Agreement an agreement concluded between the Investor as the Assignee, the Loan Originator as the Assignor and Viainvest on Rights to Claim sale by Loan Originator to Investor. Within this Agreement also may be referred as the loan agreement concluded between the Investor, acting as the lender, and “VIA SMS PL”, Sp.z.o.o., KRS 0000367773, acting as the debtor, in relation to Rights to Claim originated by “VIA SMS PL”, Sp.z.o.o., unless the terms and conditions of the loan agreement are not in contradiction with provisions of the respective Agreement. Special conditions with respect to the loan agreement are established in the Section 6 Assignment Fee agreed price between Assignee and Assignor established in the Basic terms and conditions of the Assignment Agreement Assignor the Loan Originator who owns the Right to Claim against the Borrower in accordance with the concluded Loan Agreement and transfers the Right to Claim to the Assignee Auto Invest order given by the User to Viainvest for automatic acquisition of Right to Claim according to certain criteria chosen and confirmed by the User Borrower a private individual who has entered into the Loan Agreement with the Assignor, acting in the capacity of the lender Borrower’s Payments payments of the principal amount of the Loan, Interest and late payment fee (if applicable) arising from the Loan Agreement that are due from the Borrower to the Assignor Business Day an officially determined business day (8:00 – 17:00 CET; 9:00 – 18:00 by Europe/Riga Time Zone) of the Republic of Latvia, except for Saturdays, Sundays and public holidays Collateral Right to Claim originated in Poland chosen by the Investor before entering the loan agreement as described in Section 6 Interest a fee fixed in EUR the Loan Originator shall pay to Investor for use of its funds that is calculated by multiplying Annual Interest Rate to factual days the funds are used according to this Agreement. By Interest is also understood late interest fee that will be calculated and paid for each day of delay of repayment of the Loan by the Borrower. Interest payments are dependant on incoming payments from the Borrower and are paid out to the Assignee once the Borrower has repaid the Loan principal in full or partly Investment acquisition of Right to Claim Investment Platform online peer-to-peer lending platform with the domain xxx.xxxxxxxxx.xxx , where the User can create its personal account, open and close the deals, make payments and carry out all activities allowed by the Regulations of the Investment Platform Investor a private individual or legal entity who has purchased the Right to Claim from Loan Originator against the Borrower. Within this Agreement may be referred to as the Assignee or the lender as regards to Right to Claim generated by “VIA SMS PL”, Sp.z.o.o., KRS 0000367773 Investor Account an electronic account created by the Assignee in the Investment Platform, which contains personal data independently provided by the Assignee and which the Assignee can access after his/her identity verification pursuant to the Regulations of the Investment Platform. The information in User Account reflects current balance of virtual funds that are available to accomplish the Investment Investor Account Number unique identification number of the User that is provided by Investment Platform once the User Account is registered Loan principal amount of the loan that has been disbursed to the Borrower pursuant to the Loan Agreement and is due, or a part thereof, which the Borrower shall repay to the Loan Originator and the Loan Originator shall transfer to Viainvest for paying to the Assignee depending on the assigned amount of the Right to Claim Loan Agreement Loan Agreement entered into by and between the Loan Originator and the Borrower Loan Originator the Assignor that has disbursed the Loan to the Borrower and handles the claim arising from the Loan Agreement against the Borrower pursuant to the terms and conditions of the Loan Agreement and Assignment Agreement Minimum Claim Amount the amount of the Right to Claim at least amounting to EUR 10.00, excluding xxxxmark-ups and discounts (if any) Parties Viainvest and the User Price List the amount of payments payable by the Assignee to Viainvest for services received in relation to this Investment Platform that is an integral part of this Agreement Registration Form a special inquiry form completed and submitted electronically by the User in the Investment Platform in order to open personalised Investor Account Right to Claim Loan Originator's right to claim against the Borrower arising from the Loan Agreement and consisting of the principal amount of the Loan and the right to late payment fee as established according to the Loan Agreement Terms and conditions a private individual or official representative of legal entity who has electronically created a User Account in the Investment Platform that is confirmed by Viainvest. Within this Agreement also may be referred as the Assignee, Investor or lender as regards to Right to Claims generated by “VIA SMS PL”, Sp.z.o.o., KRS 0000367773 User’s Bank Account 1) current bank account opened on behalf of the Investor with credit institution registered in Latvia or any other country to which the requirements arising from European Union legislation for the prevention of money laundering and terrorism financing apply; or 2) payment account opened on behalf of the Investor with payment institution registered and licensed in Latvia or any other country to which the requirements arising from European Union legislation for the prevention of money laundering and terrorism financing apply and the payment meets all the following criteria: a) the payment type is SEPA (Single European Payments Account) and the payment is carried out in the currency of euro; b) the payment is made from Investor’s personal IBAN account and c) Investor’s name and surname clearly derives from the details of incoming payment Viainvest SIA “Viainvest”, a limited liability company registered in Latvia under registration number No. 40203015744, operator of the Investment Platform Viainvest's Account Viainvest's payment account No XX000000000000000000 opened with “VIA PAYMENTS” UAB, registration code: 304531696, BIC code: XXXXXX00XXX, to which the User shall, pursuant to this Agreement, transfer the User's funds for making payments via Investment Platform, and which is maintained separately from Viainvest property