Common use of USE OF THE WEBSITE AND INVESTING Clause in Contracts

USE OF THE WEBSITE AND INVESTING. 3.1 The person who wishes to use the services of the Website must register. Registration is free of charge. A registered person becomes a Consumer of the Website only after his/her registration is approved. Once the registration of the Consumer of the Website has been approved, he/she shall have the right to freely invest and borrow, submit Proposals and Applications on the Website. 3.2 During the registration process, the person must enter his/her e-mail to which the person shall immediately receive a unique password. 3.3 Having received unique login data from the Organizer, the person must change it immediately. The login name of the person shall be the e-mail specified by that person. 3.4 Only the registered consumers who have confirmed that they agree with this Agreement may use the services provided on the Website. 3.5 Consumers who wish to provide (lend) crowdfunding funds to the Recipient of the Loan must additionally perform an assessment of the funder’s eligibility. Following the assessment of the funder’s eligibility, the Organizer shall warn the Consumer of crowdfunding risks, including information of the potential full or partial loss of the funds (capital) intended for financing the project, risk of the Consumer’s (funder’s) failure to earn the expected profit, risk of insolvency of the Recipient of the Loan, risk that the insurance cover provided for in the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania shall not apply to crowdfunding, liquidity risk of funding, as well as other risks characterising crowdfunding. 3.6 Every time when the Consumer wishes to perform any actions on the Website, he/she must login by entering his/her unique login name and password. 3.7 After the Consumer electronically confirms that he/she agrees with the Agreement, the Agreement shall be considered concluded. The Parties agree that the actions performed by the Consumer when registering with the Website and agreeing with this Agreement, Special Terms and Conditions (Proposal, Application) and General Terms and Conditions of the Loan or Consumer Credit, as well as personal data specified when registering with the Website (confirmed by the Consumer clicking the “tick” or the “I agree” button, the Consumer’s number, breakdown of SMS text, breakdown of the Consumer’s Paysera account, the Consumer’s or the Website’s e-mails or voice recording of a telephone conversation, or an extract of the Website concerning the Consumer’s actions in the Consumer’s self-service system on the Website, or the Recipient personal identification carried out by transferring the Registration fee to the Organizer) shall be considered the Consumer’s signature having the legal force established in article 8(1) of the Law on Electronic Signature, whereas the Application and Proposal, on the basis of which the Loan or Consumer Credit Agreement is concluded, under which the amount of the Loan or the Consumer Credit, granted by the Lenders, is transferred to the recipients of the Loan or Consumer credit, shall be equal to a document drawn up in a written form and shall entail the same legal consequences as a document confirmed by the Consumer’s signature on each page.

USE OF THE WEBSITE AND INVESTING. 3.1 The person who wishes to use the services of the Website must register. Registration is free of charge. A registered person becomes a Consumer of the Website only after his/her registration is approved. Once the registration of the Consumer of the Website has been approved, he/she shall have shallhave the right to freely invest and borrow, submit Proposals and Applications on the Website. 3.2 Registration on the Website is free of charge, but users of the Website may be subject to certain fees related to specific services and/or actions provided on the Website, including an investor fee, as specified in Section 4 of this Agreement. 3.3 During the registration process, the person must enter his/her e-mail to which the person shall immediately receive a unique password. 3.3 3.4 Having received unique login data from the Organizer, the person must change it immediately. The login name of the person shall be the e-mail specified by that person. 3.4 3.5 Only the registered consumers who have confirmed that they agree with this Agreement may use the services provided on the Website. 3.5 3.6 Consumers who wish to provide (lend) crowdfunding funds to the Recipient of the Loan must additionally perform an assessment of the funder’s eligibility. Following the assessment of the funder’s eligibility, the Organizer shall warn the Consumer of crowdfunding crowdfunding/peer-to-peer lending risks, including information of the potential full or partial loss of the funds (capital) intended for financing the projecttheproject, risk of the Consumer’s (funder’s) failure to earn the expected profit, risk of insolvency of the Recipient of the Loan, risk that the insurance cover provided for in the Law on Insurance of Deposits and Depositsand Liabilities to Investors of the Republic of Lithuania shall not apply to crowdfunding/peer-to-peer lending, liquidity risk of funding, as well as other risks characterising crowdfunding/peer-to-peer lending. 3.6 3.7 Every time when the Consumer wishes to perform any actions on the Website, he/she must login by entering his/her unique login name and password. 3.7 3.8 After the Consumer electronically confirms that he/she agrees with the Agreement, the Agreement shall be considered concluded. The Parties agree that the actions performed carried out by the Consumer when registering with and the Website and agreeing with this Agreement, Special Terms and Conditions (Proposal, Application) and General Terms and Conditions of the Loan or Consumer Credit, as well as personal data specified when registering with the Website (confirmed indicated by the Consumer clicking (which are supported by the “tick” or the “I agree” buttonbreakdown of SMS text, the Consumer’s number, breakdown of SMS text, the breakdown of the Consumer’s (Lender’s) Paysera account, the Consumer’s or the Website’s e-mails of the Consumer or the Website or voice recording of a telephone conversation, conversation or an extract of the Website concerning the Consumer’s actions in on the Consumer’s self-service system on the Website, Website or payment of the Registration Fee of the Consumer (Recipient of the Loan or the Recipient personal identification carried out by transferring the Registration fee Consumer Credit) to the Organizer) ), clicking the button “Iagree” or the tick”, provision of documents and personal data by the Consumer shall be considered as the Consumer’s signature having the legal force established in article 8(1) of the Law on Electronic Signature, whereas and the Application and Proposal, or Proposal on the basis of which the Loan Agreement or the Consumer Credit Loan Agreement is concluded, under which the amount of the loan or the consumer credit is transferred by the Lenders to the Recipients of the Loan or the Consumer Credit, granted Credit is concluded confirmed by the Lenders, is transferred such actions shall be deemed to be equivalent to the recipients of the Loan or Consumer credit, shall be equal to a document drawn up executed in a written form writing and shall entail have the same legal consequences as a the document confirmed endorsed by the Consumer’s signature on each pagepage of the document.

USE OF THE WEBSITE AND INVESTING. 3.1 The person who wishes to use the services of the Website must register. Registration is free of charge. A registered person becomes a Consumer of the Website only after his/her registration is approved. Once the registration of the Consumer of the Website has been approved, he/she shall have the right to freely invest and borrow, submit Proposals and Applications on the Website. 3.2 During the registration process, the person must enter his/her e-mail to which the person shall immediately receive a unique password. 3.3 Having received unique login data from the Organizer, the person must change it immediately. The login name of the person shall be the e-mail specified by that person. 3.4 Only the registered consumers who have confirmed that they agree with this Agreement may use the services provided on the Website. 3.5 Consumers who wish to provide (lend) crowdfunding funds to the Recipient of the Loan must additionally perform an assessment of the funder’s funder‟s eligibility. Following the assessment of the funder’s funder‟s eligibility, the Organizer shall warn the Consumer of crowdfunding risks, including information of the potential full or partial loss of the funds (capital) intended for financing the project, risk of the Consumer’s Consumer‟s (funder’sfunder‟s) failure to earn the expected profit, risk of insolvency of the Recipient of the Loan, risk that the insurance cover provided for in the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania shall not apply to crowdfunding, liquidity risk of funding, as well as other risks characterising crowdfunding. 3.6 Every time when the Consumer wishes to perform any actions on the Website, he/she must login by entering his/her unique login name and password. 3.7 After the Consumer electronically confirms that he/she agrees with the Agreement, the Agreement shall be considered concluded. The Parties agree that the actions performed by the Consumer when registering with the Website and agreeing with this Agreement, Special Terms and Conditions (Proposal, Application) and General Terms and Conditions of the Loan or Consumer Credit, as well as personal data specified when registering with the Website (confirmed by the Consumer clicking the “tick” or the “I agree” button, the Consumer’s Consumer‟s number, breakdown of SMS text, breakdown of the Consumer’s Consumer‟s Paysera account, the Consumer’s Consumer‟s or the Website’s Website‟s e-mails or voice recording of a telephone conversation, or an extract of the Website concerning the Consumer’s Consumer‟s actions in the Consumer’s Consumer‟s self-service system on the Website, or the Recipient personal identification carried out by transferring the Registration fee to the Organizer) shall be considered the Consumer’s Consumer‟s signature having the legal force established in article 8(1) of the Law on Electronic Signature, whereas the Application and Proposal, on the basis of which the Loan or Consumer Credit Agreement is concluded, under which the amount of the Loan or the Consumer Credit, granted by the Lenders, is transferred to the recipients of the Loan or Consumer credit, shall be equal to a document drawn up in a written form and shall entail the same legal consequences as a document confirmed by the Consumer’s Consumer‟s signature on each page.

USE OF THE WEBSITE AND INVESTING. 3.1 The person who wishes to use the services of the Website must register. Registration is free of charge. A registered person becomes a Consumer of the Website only after his/her registration is approved. Once the registration of the Consumer of the Website has been approved, he/she shall have the right to freely invest and borrow, submit Proposals and Applications on the Website. 3.2 During the registration process, the person must enter his/her e-mail to which the person shall immediately receive a unique password. 3.3 Having received unique login data from the Organizer, the person must change it immediately. The login name of the person shall be the e-mail specified by that person. 3.4 Only the registered consumers who have confirmed that they agree with this Agreement may use the services provided on the Website. 3.5 Consumers who wish to provide (lend) crowdfunding funds to the Recipient of the Loan must additionally perform an assessment of the funder’s eligibility. Following the assessment of the funder’s eligibility, the Organizer shall warn the Consumer of crowdfunding risks, including information of the potential full or partial loss of the funds (capital) intended for financing the project, risk of the Consumer’s (funder’s) failure to earn the expected profit, risk of insolvency of the Recipient of the Loan, risk that the insurance cover provided for in the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania shall not apply to crowdfunding, liquidity risk of funding, as well as other risks characterising crowdfunding. 3.6 Every time when the Consumer wishes to perform any actions on the Website, he/she must login by entering his/her unique login name and password. 3.7 After the Consumer electronically confirms that he/she agrees with the Agreement, the Agreement shall be considered concluded. The Parties agree that the actions performed carried out by the Consumer when registering with and the Website and agreeing with this Agreement, Special Terms and Conditions (Proposal, Application) and General Terms and Conditions of the Loan or Consumer Credit, as well as personal data specified when registering with the Website (confirmed indicated by the Consumer clicking (which are supported by the “tick” or the “I agree” buttonbreakdown of SMS text, the Consumer’s number, breakdown of SMS text, the breakdown of the Consumer’s (Debtor’s) Paysera account, the Consumer’s or the Website’s e-mails of the Consumer or the Website or voice recording of a telephone conversation, conversation or an extract of the Website concerning the Consumer’s actions in on the Consumer’s self-service system on the Website, Website or payment of the Registration Fee of the Consumer (Recipient of the Loan or the Recipient personal identification carried out by transferring the Registration fee Consumer Credit) to the Organizer) Organiser), clicking the button “I agree” or the tick”, provision of documents and personal data by the Consumer shall be considered as the Consumer’s signature having the legal force established in article 8(1) of the Law on Electronic Signature, whereas and the Application and Proposal, or Proposal on the basis of which the Loan Agreement or the Consumer Credit Loan Agreement is concluded, under which the amount of the loan or the consumer credit is transferred by the Lenders to the Recipients of the Loan or the Consumer Credit, granted Credit is concluded confirmed by the Lenders, is transferred such actions shall be deemed to be equivalent to the recipients of the Loan or Consumer credit, shall be equal to a document drawn up executed in a written form writing and shall entail have the same legal consequences as a the document confirmed endorsed by the Consumer’s signature on each pagepage of the document.

USE OF THE WEBSITE AND INVESTING. 3.1 The person who wishes to use the services of the Website must register. Registration is free of charge. A registered person becomes a Consumer of the Website only after his/her registration is approved. Once the registration of the Consumer of the Website has been approved, he/she shall have the right to freely invest and borrow, submit Proposals and Applications on the Website. 3.2 During the registration process, the person must enter his/her e-mail to which the person shall immediately receive a unique password. 3.3 Having received unique login data from the Organizer, the person must change it immediately. The login name of the person shall be the e-mail specified by that person. 3.4 Only the registered consumers who have confirmed that they agree with this Agreement may use the services provided on the Website. 3.5 Consumers who wish to provide (lend) crowdfunding funds to the Recipient of the Loan must additionally perform an assessment of the funder’s eligibility. Following the assessment of the funder’s eligibility, the Organizer shall warn the Consumer of crowdfunding risks, including information of the potential full or partial loss of the funds (capital) intended for financing the project, risk of the Consumer’s (funder’s) failure to earn the expected profit, risk of insolvency of the Recipient of the Loan, risk that the insurance cover provided for in the Law on Insurance of Deposits and Depositsand Liabilities to Investors of the Republic of Lithuania shall not apply to crowdfunding, liquidity risk of funding, as well as other risks characterising crowdfunding. 3.6 Every time when the Consumer wishes to perform any actions on the Website, he/she must login by entering his/her unique login name and password. 3.7 After the Consumer electronically confirms that he/she agrees with the Agreement, the Agreement shall Agreementshall be considered concluded. The Parties agree that the actions performed carried out by the Consumer when registering with and the Website and agreeing with this Agreement, Special Terms and Conditions (Proposal, Application) and General Terms and Conditions of the Loan or Consumer Credit, as well as personal data specified when registering with the Website (confirmed indicated by the Consumer clicking (which are supported by the “tick” or the “I agree” buttonbreakdown of SMS text, the Consumer’s number, breakdown of SMS text, the breakdown of the Consumer’s (Debtor’s) Paysera account, the Consumer’s or the Website’s e-mails of the Consumer or the Website or voice recording of a telephone conversation, conversation or an extract of the Website concerning the Consumer’s actions in on the Consumer’s self-service system on the Website, Website or payment of the Registration Fee of the Consumer (Recipient of the Loan or the Recipient personal identification carried out by transferring the Registration fee Consumer Credit) to the Organizer) ), clicking the button “I agree” or the tick”, provision of documents and personal data by the Consumer shall be considered as the Consumer’s signature having the legal force established in article 8(1) of the Law on Electronic Signature, whereas and the Application and Proposal, or Proposal on the basis of which the Loan Agreement or the Consumer Credit Loan Agreement is concluded, under which the amount of the loan or the consumer credit is transferred by the Lenders to the Recipients of the Loan or the Consumer Credit, granted Credit is concluded confirmed by the Lenders, is transferred such actions shall be deemed to be equivalent to the recipients of the Loan or Consumer credit, shall be equal to a document drawn up executed in a written form writing and shall entail have the same legal consequences as a the document confirmed endorsed by the Consumer’s signature on each pagepage of the document.

USE OF THE WEBSITE AND INVESTING. 3.1 The person who wishes to use the services of the Website must register. Registration is free of charge. A registered person becomes a Consumer of the Website only after his/her registration is approved. Once the registration of the Consumer of the Website has been approved, he/she shall have the right to freely invest and borrow, submit Proposals and Applications on the Website. 3.2 During the registration process, the person must enter his/her e-mail to which the person shall immediately receive a unique password. 3.3 Having received unique login data from the Organizer, the person must change it immediately. The login name of the person shall be the e-mail specified by that person. 3.4 Only the registered consumers who have confirmed that they agree with this Agreement may use the services provided on the Website. 3.5 Consumers who wish to provide (lend) crowdfunding funds to the Recipient of the Loan must additionally perform an assessment of the funder’s eligibility. Following the assessment of the funder’s eligibility, the Organizer shall warn the Consumer of crowdfunding risks, including information of the potential full or partial loss of the funds (capital) intended for financing the project, risk of the Consumer’s (funder’s) failure to earn the expected profit, risk of insolvency of the Recipient of the Loan, risk that the insurance cover provided for in the Law on Insurance of Deposits and Liabilities to Investors of the Republic of Lithuania shall not apply to crowdfunding, liquidity risk of funding, as well as other risks characterising crowdfunding. 3.6 Every time when the Consumer wishes to perform any actions on the Website, he/she must login by entering his/her unique login name and password. 3.7 After the Consumer electronically confirms that he/she agrees with the Agreement, the Agreement shall be considered concluded. The Parties agree that the actions performed by the Consumer when registering with the Website and agreeing with this Agreement, Special Terms and Conditions (Proposal, Application) and General Terms and Conditions of the Loan or Consumer Credit, as well as personal data specified when registering with the Website (confirmed by the Consumer clicking the “tick” or the “I agree” button, the Consumer’s number, breakdown of SMS text, breakdown of the Consumer’s Paysera account, the Consumer’s or the Website’s e-mails or voice recording of a telephone conversation, or an extract of the Website concerning the Consumer’s actions in the Consumer’s self-service system on the Website, or the Recipient personal identification carried out by transferring the Registration fee to the Organizer) shall be considered the Consumer’s signature having the legal force established in article 8(15(1) of the Law of the Republic of Lithuania on Electronic SignatureIdentification and Trust Services for Electronic Transactions, whereas the Application and Proposal, on the basis of which the Loan or Consumer Credit Agreement is concluded, under which the amount of the Loan or the Consumer Credit, granted by the Lenders, is transferred to the recipients of the Loan or Consumer credit, shall be equal to a document drawn up in a written form and shall entail the same legal consequences as a document confirmed by the Consumer’s signature on each page.