Common use of VARIATION AND TERMINATION Clause in Contracts

VARIATION AND TERMINATION. 13.1 We may at any time, upon notice to you, terminate or vary our business relationship with you and close your Account and require the repayment of outstanding debts and monies resulting from such credits within such time as we may determine in our sole discretion. 13.2 Without prejudice to our rights under clause 13.1, we may at our sole discretion suspend or close your Account: (a) if you use the Account for unauthorised or unlawful purposes or where we detect any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services; (b) if your Mobile Money Account or agreement with a Mobile Network Operator is terminated for whatever reason; (c) if we are required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority; (d) if we reasonably suspect or believe that you are in breach of these Terms and Conditions which you fail to remedy (if remediable) within 14 days after the service of notice by email, SMS or other electronic means requiring you to do so; (e) where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety; (f) to facilitate update or upgrade the contents or functionality of the Services from time to time; (g) if we decide to suspend or cease the provision of the Services for commercial reasons or for any other reason as we may determine in our absolute discretion; or (h) if you breach any of the Licence Restrictions or the Acceptable Use Restrictions. 13.3 If your Account has a credit balance at any time as a result of overpayment of your Loan, you may issue a Request to us for payment of such credit balance and we will return any such balance to you, less any applicable fees or tax, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Services Provider. Payment will be made to you within seventy two (72) hours of your request. 13.4 Termination shall not affect any accrued rights and liabilities of either you or Zenka. 13.5 If Zenka receives notice of your demise, it will not be obliged to allow any operation or withdrawal from your Account by any person except upon production of confirmed grant of letters of administration or confirmed grant of probate by your legal representatives or executors of your estate duly appointed by a court of competent jurisdiction.

VARIATION AND TERMINATION. 13.1 We may at any time, upon notice to you, terminate or vary our business relationship with you and close your Account and in particular but without prejudice to the generality of the foregoing we may cancel credits which we have granted you and require the repayment of outstanding debts and monies resulting from such credits within such time as we may determine in our sole discretion. 13.2 Without prejudice to our rights under clause 13.1, we may at our sole discretion suspend or close your Account: (a) if you use the Account for unauthorised or unlawful purposes or where we detect any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services; (b) if your Mobile Money Account or agreement with a Mobile Network Operator is terminated for whatever reason; (c) if we are required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority; (d) if we reasonably suspect or believe that you are in breach of these Terms and Conditions (including non-payment of any Loan amount due from you where applicable) which you fail to remedy (if remediable) within 14 days after the service of notice by email, SMS or other electronic means requiring you to do so; (e) where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety; (f) to facilitate update or upgrade the contents or functionality of the Services from time to time; (g) where your Account becomes inactive or dormant; (h) if we decide to suspend or cease the provision of the Services for commercial reasons or for any other reason as we may determine in our absolute discretion; or (hi) if you breach any of the Licence Restrictions or the Acceptable Use Restrictions. 13.3 If your Account has a credit balance at any time as a result of overpayment of your Loan, you may issue a Request to us for payment of such credit balance and we will return any such balance to you, less any applicable fees or taxfees, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Services Provider. Payment will be made to you within seventy two (72) hours of your request. 13.4 Termination shall however not affect any accrued rights and liabilities of either you or Zenkaparty. 13.5 If Zenka receives notice of your demise, it will not be obliged to allow any operation or withdrawal from your Account by any person except upon production of confirmed grant of letters of administration or confirmed grant of probate by your legal representatives or executors of your estate duly appointed by a court of competent jurisdiction. 13.6 You may close your Account at any time by sending an SMS with the words “CLOSE ACCOUNT” to us and resending a unique code sent to you by us, if payments of all outstanding amounts owed to us have been received in full by us. 13.7 If your Account has any credit balance at the time of its closure, we will return any such balance to you or surrender the balances to the Unclaimed Financial Assets Authority as per the law, less any applicable fees. If your Loan is in arrears at the time of closure of your Account, you shall pay to us immediately all amounts you owe us in full.

VARIATION AND TERMINATION. 13.1 We may at any time, upon notice to you, terminate or vary our business relationship with you and close your Account and in particular but without prejudice to the generality of the foregoing we may cancel credits which we have granted you and require the repayment of outstanding debts and monies resulting from such credits within such time as we may determine in our sole discretion. 13.2 Without prejudice to our our’s rights under clause 13.1, we may at our sole discretion suspend or close your Account: (a) if you use the Account for unauthorised or unlawful purposes or where we detect any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services; (b) if your Mobile Money Account or agreement with a Mobile Network Operator is terminated for whatever reason; (c) if we are required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority; (d) if we reasonably suspect or believe that you are in breach of these Terms and Conditions (including non-payment of any Loan amount due from you where applicable) which you fail to remedy (if remediable) within 14 days after the service of notice by email, SMS or other electronic means requiring you to do so; (e) where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety; (f) to facilitate update or upgrade the contents or functionality of the Services from time to time; (g) where your Account becomes inactive or dormant; (h) if we decide to suspend or cease the provision of the Services for commercial reasons or for any other reason as we may determine in our absolute discretion; or (hi) if you breach any of the Licence Restrictions or the Acceptable Use Restrictions. 13.3 If your Account has a credit balance at any time as a result of overpayment of your Loan, you may issue a Request to us for payment of such credit balance and we will return any such balance to you, less any applicable fees or taxfees, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Services Provider. Payment will be made to you within seventy two (72) hours of your request. 13.4 Termination shall however not affect any accrued rights and liabilities of either you or Zenkaparty. 13.5 If Zenka Pata Mkopo receives notice of your demise, it will not be obliged to allow any operation or withdrawal from your Account by any person except upon production of confirmed grant of letters of administration or confirmed grant of probate by your legal representatives or executors of your estate duly appointed by a court of competent jurisdiction. 13.6 You may close your Account at any time by sending an SMS with the words “CLOSE ACCOUNT” to us and resending a unique code sent to you by us, if payments of all outstanding amounts owed to us have been received in full by us. 13.7 If your Account has any credit balance at the time of its closure, we will return any such balance to you or surrender the balances to the Unclaimed Financial Assets Authority as per the law, less any applicable fees. If your Loan is in arrears at the time of closure of your Account, you shall pay to us immediately all amounts you owe us in full.

VARIATION AND TERMINATION. 13.1 We may at any time, upon notice to you, terminate or vary our business relationship with you and close your Account and in particular but without prejudice to the generality of the foregoing we may cancel credits which we have granted you and require the repayment of outstanding debts and monies resulting from such credits within such time as we may determine in our sole discretion. 13.2 Without prejudice to our rights under clause 13.1, we may at our sole discretion suspend or close your Account: (a) if you use the Account for unauthorised or unlawful purposes or where we detect any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services; (b) if your Mobile Money Account or agreement with a Mobile Network Operator is terminated for whatever reason; (c) if we are required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority; (d) if we reasonably suspect or believe that you are in breach of these Terms and Conditions (including non-payment of any Loan amount due from you where applicable) which you fail to remedy (if remediable) within 14 days after the service of notice by email, SMS or other electronic means requiring you to do so; (e) where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety; (f) to facilitate update or upgrade the contents or functionality of the Services from time to time; (g) where your Account becomes inactive or dormant; (h) if we decide to suspend or cease the provision of the Services for commercial reasons or for any other reason as we may determine in our absolute discretion; or (hi) if you breach any of the Licence Restrictions or the Acceptable Use Restrictions. 13.3 If your Account has a credit balance at any time as a result of overpayment of your Loan, you may issue a Request to us for payment of such credit balance and we will return any such balance to you, less any applicable fees or taxfees, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Services Provider. Payment will be made to you within seventy two (72) hours of your request. 13.4 Termination shall however not affect any accrued rights and liabilities of either you or Zenkaparty. 13.5 If Zenka Xxxxx receives notice of your demise, it will not be obliged to allow any operation or withdrawal from your Account by any person except upon production of confirmed grant of letters of administration or confirmed grant of probate by your legal representatives or executors of your estate duly appointed by a court of competent jurisdiction. 13.6 You may close your Account at any time by sending an SMS with the words “CLOSE ACCOUNT” to us and resending a unique code sent to you by us, if payments of all outstanding amounts owed to us have been received in full by us. 13.7 If your Account has any credit balance at the time of its closure, we will return any such balance to you or surrender the balances to the Unclaimed Financial Assets Authority as per the law, less any applicable fees. If your Loan is in arrears at the time of closure of your Account, you shall pay to us immediately all amounts you owe us in full.

VARIATION AND TERMINATION. 13.1 We 12.1 CashFlow may at any time, upon notice to you, terminate or vary our its business relationship with you and close your Account and in particular but without prejudice to the generality of the foregoing CashFlow may cancel credits which it has granted and require the repayment of outstanding debts and monies resulting from such credits within such time as we CashFlow may determine in our sole discretiondetermine. 13.2 12.2 Without prejudice to our CashFlow’s rights under clause 13.114.1, we CashFlow may at our its sole discretion suspend or close your Account: (a) 12.2.1 if you use the Account for unauthorised or unlawful purposes or where we detect CashFlow detects any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services; (b) 12.2.2 if your Mobile Money Account or agreement with a Mobile Network Operator is terminated for whatever reason; (c) 12.2.3 if we are CashFlow is required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority; (d) 12.2.4 if we CashFlow reasonably suspect suspects or believe believes that you are in breach of these Terms and Conditions (including non-payment of any Loan amount due from you where applicable) which you fail to remedy (if remediable) within 14 days after the service of notice by email, SMS or other electronic means requiring you to do so; (e) 12.2.5 where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety; (f) ; to facilitate update or upgrade the contents or functionality of the Services from time to time; where your Account becomes inactive or dormant; (g) 12.2.6 if we decide CashFlow decides to suspend or cease the provision of the Services for commercial reasons or for any other reason as we it may determine in our its absolute discretion; or (h) 12.2.7 if you breach any of the Licence Restrictions or the Acceptable Use Restrictions. 13.3 12.3 If your Account has a credit balance at any time as a result of overpayment of your Loan, you may issue a Request to us CashFlow for payment of such credit balance and we CashFlow will return any such balance to you, less any applicable fees or taxfees, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Services Provider. Payment will be made to you within seventy two (72) hours of your request. 13.4 12.4 Termination shall however not affect any accrued rights and liabilities of either you or Zenkaparty. 13.5 12.5 If Zenka CashFlow receives notice of your demise, it CashFlow will not be obliged to allow any operation or withdrawal from your Account by any person except upon production of administration letters from a competent authority or confirmed grant of letters of administration or confirmed grant of probate by your legal representatives or executors of your estate duly appointed by a court of competent jurisdiction.

VARIATION AND TERMINATION. 13.1 The Client may terminate this Agreement by writing to its Banker at 000 Xxxxxx, Xxxxxx XX0X 0XX. The notification will only be effective once it is received by Us. If You have any queries regarding the Service or this Agreement You can call Our Online Banking Helpdesk on 020 7770 0000 (lines are open 24 hours a day). 13.2 We may reserve the right to change the Service from time to time and use of the Service at any time, upon notice . Any variation to you, terminate or vary our business relationship with you and close your Account and require the repayment of outstanding debts and monies resulting from such credits within such time as we may determine in our sole discretion. 13.2 Without prejudice to our rights under clause 13.1, we may at our sole discretion suspend or close your Account: (a) if you use the Account for unauthorised or unlawful purposes or where we detect any abuse/misuse, breach of content, fraud or attempted fraud relating to your use terms of the Services; (b) if your Mobile Money Account Agreement or agreement with a Mobile Network Operator is terminated for whatever reason; (c) if we are required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority; (d) if we reasonably suspect or believe that you are in breach of these Terms and Conditions which you fail to remedy (if remediable) within 14 days after the service of notice by email, SMS or other electronic means requiring you to do so; (e) where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety; (f) to facilitate update or upgrade the contents or functionality termination of the Services from time Agreement will (subject to time; (gclauses 13.5 and 13.6) if we decide to suspend or cease only take place after We have notified You through the provision of the Services for commercial reasons or for any other reason as we may determine in our absolute discretion; or (h) if you breach any of the Licence Restrictions or the Acceptable Use RestrictionsService, giving You at least two months’ prior notice. 13.3 If your Account has We make a credit balance variation to the terms of this Agreement under clause 13.2 and You do not wish to accept any proposed change, You may end this Agreement at any time before the date specified for the change to take effect. If You do so, You and any Third Party that You have authorised will no longer be able to access the Service. There will be no charge for this. If You do not tell Us that You want to end this Agreement before the date the change is due to take effect, then You will be deemed to have accepted the change and it will take effect automatically. 13.4 We may suspend, withdraw or restrict the use of the Service or any part of the Service where: a) We have reasonable grounds to suspect that Your Security Code(s) have not been kept safe; or b) We have reasonable grounds to suspect unauthorised or fraudulent use of Your Security Code(s); or c) as a result of overpayment of your Loana change in the way You operate an Account or in the Client’s financial circumstances, you We have reasonable grounds to believe that the Client may issue have difficulty in meeting its commitments; or d) We consider it appropriate for the Client’s protection. Unless We are unable to contact You or there is a Request legal reason or other circumstances beyond Our control preventing Us from doing so, We will notify You before taking this action and provide Our reasons for doing so. If We are unable to us for payment of such credit balance contact You beforehand, where possible We will notify You and we will return any such balance to you, less any applicable fees or tax, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Services Provider. Payment will be made to you within seventy two (72) hours of your requestgive Our reasons as soon as possible afterwards. 13.4 13.5 We may terminate the Service with immediate effect, or suspend or limit Your use of the Service if: 13.5.1 You breach this Agreement; 13.5.2 the Client proposes a voluntary arrangement with its creditors; 13.5.3 there is any resolution or petition for liquidation or insolvency proceedings are commenced, in relation to the Client in any jurisdiction, except as part of a re-organisation agreed by Us; 13.5.4 any security is enforced or a receiver or similar official is appointed in respect of any of the assets of the Client; 13.5.5 there is an application or petition for an administration order, or notice is given to any person of intention to appoint an administrator, or an administrator or similar official is appointed, in relation to the Client. 13.6 Access to the Service will terminate automatically if the Account on which the Service is set up is closed unless the Client nominates an alternative Account. 13.7 On termination of the Service: 13.7.1 We may act on Instructions received before the date of termination; 13.7.2 You will within 14 days, return to Us any Service material used to access the Service (if requested by Us); 13.8 Termination shall of the Service will not affect any rights of the Client or Us accrued rights and liabilities to the date of either you or Zenkatermination. 13.5 If Zenka receives notice of your demise, it will not be obliged to allow any operation or withdrawal from your Account by any person except upon production of confirmed grant of letters of administration or confirmed grant of probate by your legal representatives or executors of your estate duly appointed by a court of competent jurisdiction.

VARIATION AND TERMINATION. 13.1 We Unless you are acting in the course of a trade, business or profession you may have the right to cancel your agreement to instruct us without any cost or only in relation to those costs agreed in our retainer letter during the first 14 days of our instruction, under consumer protection legislation. You must exercise any such right within 14 days of instructing us. No amendment, variation, rescission or termination of this agreement will require the consent of any person who is not a party to it. Subject to these terms and the terms of the retainer letter, you may terminate your instructions to us in writing at any time. In some circumstances we may cease to act for you. This includes where: • you do not provide us with the documentation and/or information we have requested whether pursuant to our regulatory obligations or otherwise; • you cannot give us clear or proper instructions; • you fail to provide us with any monies on account which we may have requested. • you do not pay any invoice in accordance with these terms; • there is otherwise a breakdown in our relationship as solicitor and client; • continuing to act for you would, upon notice to in our opinion, constitute a breach of the SRA Standards and Regulations or equivalent regulation or legislation; • you, terminate or vary our business relationship with you and close any party involved in your Account and require the repayment of outstanding debts and monies resulting from such credits within such time as we may determine matter, becomes subject to sanctions; • where, in our sole discretion. 13.2 Without prejudice opinion, providing services to our rights under clause 13.1, we you may at our sole discretion suspend or close your Account: (a) if you use the Account for unauthorised or unlawful purposes or where we detect any abuse/misusedoes, breach of contentany applicable sanctions regime; or • continuing to act for you may, fraud in our opinion, adversely impact the reputation or attempted fraud relating to your use professional standing of the Services; (b) if your Mobile Money Account or agreement with a Mobile Network Operator is terminated LLP. If, for whatever reason; (c) if we are required or requested to comply , our relationship is terminated, you will pay our costs in accordance with an order or instruction of or a recommendation from these terms. In the government, court, regulator or other competent authority; (d) if we reasonably suspect or believe event that you are in breach of these Terms and Conditions which you fail to remedy (if remediable) within 14 days after pay our costs as above, we will be entitled to charge interest on such costs at the service of notice by emailrate applicable to judgment debts. Further, SMS or other electronic means requiring you where we are obliged to do so; (e) where such obtain a suspension or variation is necessary as a consequence of technical problems or for reasons of safety; (f) Court order to facilitate update or upgrade the contents or functionality of the Services from time to time; (g) if we decide to suspend or cease the provision of the Services for commercial reasons or for any other reason as we may determine in our absolute discretion; or (h) if you breach any of the Licence Restrictions or the Acceptable Use Restrictions. 13.3 If your Account has a credit balance at any time as a result of overpayment of your Loan, you may issue a Request to us for compel payment of such credit balance and our costs together with interest thereon, we will return also be entitled to claim the costs of obtaining any such balance to order and the costs of its enforcement. In the event of a termination of our engagement for whatever reason, the terms of our agreement will remain in force as regards, payment and monies held for you, less any applicable fees or taxconfidentiality, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Services Provider. Payment will be made to you within seventy two (72) hours of your requestdata protection, liability and files/documents. 13.4 Termination shall not affect any accrued rights and liabilities of either you or Zenka. 13.5 If Zenka receives notice of your demise, it will not be obliged to allow any operation or withdrawal from your Account by any person except upon production of confirmed grant of letters of administration or confirmed grant of probate by your legal representatives or executors of your estate duly appointed by a court of competent jurisdiction.

VARIATION AND TERMINATION. 13.1 We may at any time, upon notice to you, terminate or vary our business relationship with you and close your Account and in particular but without prejudice to the generality of the foregoing. We may cancel Credit Advances which we have granted and require the repayment of outstanding debts and monies resulting from such credits Credit Advances within such time as we may determine in our sole discretion. 13.2 determine. Without prejudice to our rights under clause 13.1this clause, we may may, at our sole discretion discretion, suspend or close your Account: (a) i. if you use the Account for unauthorised or unlawful unauthorized purposes or where we detect or reasonably suspect any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services; (b) if your Mobile Money Account or agreement with a Mobile Network Operator is terminated for whatever reason; (c) ii. if we are required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority; (d) iii. if we reasonably suspect or believe that you are in breach of these Terms and Conditions this Agreement (including non-payment of any Credit Advance amount due from you where applicable) which you fail to remedy (if remediable) within 14 5 days after the service of notice by email, SMS or other electronic means requiring you to do so; (e) iv. where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety; (f) ; to facilitate facilitate, update or upgrade the contents or functionality of the Services from time to time; (g) v. where your Account becomes inactive or dormant; vi. if we decide Quid decides to suspend or cease the provision of the Services for commercial reasons or for any other reason as we it may determine in our its absolute discretion; or (h) vii. if you breach any of the Licence Restrictions or the Acceptable Use License Restrictions. 13.3 viii. If your Account has a credit balance at any time as a result of overpayment of your LoanCredit Advance, you may issue a Request to us Quid for payment of such credit balance and we Quid will return any such balance to you, less any applicable fees or taxfees, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Services Provider. Payment will be made to you within seventy two (72) hours of your request. 13.4 Termination shall however not affect any accrued rights and liabilities of either you or Zenka. 13.5 party. If Zenka receives we receive notice of your demisedeath, it we will not be obliged to allow any operation or withdrawal from your Account by any person except upon production of administration letters from a competent authority or confirmed grant of letters of administration or confirmed grant of probate by your legal representatives or executors of your estate duly appointed by a court of competent jurisdiction.

VARIATION AND TERMINATION. 13.1 We may at any time, upon notice to you, terminate or vary our business relationship with you and close your Account and in particular but without prejudice to the generality of the foregoing. We may cancel Credit Advances which we have granted and require the repayment of outstanding debts and monies resulting from such credits Credit Advances within such time as we We may determine in determine. Without prejudice to Our rights under this clause. We may, at our sole discretion. 13.2 Without prejudice to our rights under clause 13.1, we may at our sole discretion suspend or close your Account: (a) a. if you use the Account for unauthorised or unlawful unauthorized purposes or where we We detect or reasonably suspect any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services; (b) b. if your Mobile Money Account or agreement with a Mobile Network Operator is terminated for whatever reason; (c) if we We are required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority; (d) c. if we We reasonably suspect or believe that you are in breach of these Terms and Conditions this Agreement (including non-payment of any Credit Advance amount due from you where applicable) which you fail to remedy (if remediable) within 14 5 days after the service of notice by email, SMS or other electronic means requiring you to do so; (e) d. where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety; (f) ; to facilitate facilitate, update or upgrade the contents or functionality of the Services from time to time; (g) e. where your Account becomes inactive or dormant; f. if we decide mKey decides to suspend or cease the provision of the Services for commercial reasons or for any other reason as we it may determine in our its absolute discretion; or (h) g. if you breach any of the Licence Restrictions or the Acceptable Use License Restrictions. 13.3 If h. if your Account has a credit balance at any time as a result of overpayment of your LoanCredit Advance, you may issue a Request to us mKey for payment of such credit balance and we mKey will return any such balance to you, less any applicable fees or taxfees, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Services Provider. Payment will be made to you within seventy two (72) hours of your request. 13.4 Termination shall however not affect any accrued rights and liabilities of either you or Zenka. 13.5 party. If Zenka receives We receive notice of your demisedeath, it We will not be obliged to allow any operation or withdrawal from your Account by any person except upon production of administration letters from a competent authority or confirmed grant of letters of administration or confirmed grant of probate by your legal representatives or executors of your estate duly appointed by a court of competent jurisdiction.

VARIATION AND TERMINATION. 13.1 We may at any time, upon notice to you, terminate or vary our business relationship with you and close your Account and require the repayment of outstanding debts and monies resulting from such credits within such time as we may determine in our sole discretion. 13.2 Without prejudice to our rights under clause 13.1, we may at our sole discretion suspend or close your Account: (a) if you use the Account for unauthorised or unlawful purposes or where we detect any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services; (b) if your Mobile Money Account or agreement with a Mobile Network Operator is terminated for whatever reason; (c) if we are required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority; (d) if we reasonably suspect or believe that you are in breach of these Terms and Conditions which you fail to remedy (if remediable) within 14 days after the service of notice by email, SMS or other electronic means requiring you to do so; (e) where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety; (f) to facilitate update or upgrade the contents or functionality of the Services from time to time; (g) if we decide to suspend or cease the provision of the Services for commercial reasons or for any other reason as we may determine in our absolute discretion; or (h) if you breach any of the Licence Restrictions or the Acceptable Use Restrictions. 13.3 If your Account has a credit balance at any time as a result of overpayment of your Loan, you may issue a Request to us for payment of such credit balance and we will return any such balance to you, less any applicable fees or tax, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Services Provider. Payment will be made to you within seventy two (72) hours of your request. 13.4 Termination shall not affect any accrued rights and liabilities of either you or Zenka. 13.5 If Zenka Xxxxx receives notice of your demise, it will not be obliged to allow any operation or withdrawal from your Account by any person except upon production of confirmed grant of letters of administration or confirmed grant of probate by your legal representatives or executors of your estate duly appointed by a court of competent jurisdiction.

VARIATION AND TERMINATION. 13.1 We 12.1 KOPAKARO LIMITED may at any time, upon notice to you, terminate or vary our its business relationship with you and close your Account and in particular but without prejudice to the generality of the foregoing KOPAKARO LIMITED may cancel credits which it has granted and require the repayment of outstanding debts and monies resulting from such credits within such time as we KOPAKARO LIMITED may determine in our sole discretiondetermine. 13.2 12.2 Without prejudice to our KOPAKARO LIMITED’s rights under clause 13.114.1, we KOPAKARO LIMITED may at our its sole discretion suspend or close your Account: (a) 12.2.1 if you use the Account for unauthorised or unlawful unauthorized purposes or where we detect KOPAKARO LIMITED detects any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services; (b) if 12.2.2 If your Mobile Money Account or agreement with a Mobile Network Operator is terminated for whatever reason; (c) 12.2.3 if we are KOPAKARO LIMITED is required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority; (d) 12.2.4 if we KOPAKARO LIMITED reasonably suspect suspects or believe believes that you are in breach of these Terms and Conditions (including non-payment of any Loan amount due from you where applicable) which you fail to remedy (if remediable) within 14 days after the service of notice by email, SMS or other electronic means requiring you to do so; (e) 12.2.5 where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety; (f) ; to facilitate update or upgrade the contents or functionality of the Services from time to time; where your Account becomes inactive or dormant; (g) if we decide 12.2.6 If KOPAKARO LIMITED decides to suspend or cease the provision of the Services for commercial reasons or for any other reason as we it may determine in our its absolute discretion; or (h) if 12.2.7 If you breach any of the Licence License Restrictions or the Acceptable Use Restrictions. 13.3 12.3 If your Account has a credit balance at any time as a result of overpayment of your Loan, you may issue a Request to us KOPAKARO LIMITED for payment of such credit balance and we KOPAKARO LIMITED will return any such balance to you, less any applicable fees or taxfees, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Services Provider. Payment will be made to you within seventy two (72) hours of your request. 13.4 12.4 Termination shall however not affect any accrued rights and liabilities of either you or Zenkaparty. 13.5 12.5 If Zenka KOPAKARO LIMITED receives notice of your demise, it KOPAKARO LIMITED will not be obliged to allow any operation or withdrawal from your Account by any person except upon production of administration letters from a competent authority or confirmed grant of letters of administration or confirmed grant of probate by your legal representatives or executors of your estate duly appointed by a court of competent jurisdiction.

VARIATION AND TERMINATION. 13.1 We may at any time, upon notice to you, terminate or vary our business relationship with you and close your Account and in particular but without prejudice to the generality of the foregoing, We may cancel Credit Advances which we have granted and require the repayment of outstanding debts and monies resulting from such credits Credit Advances within such time as we We may determine in determine. Without prejudice to Our rights under this section. We may, at our sole discretion. 13.2 Without prejudice to our rights under clause 13.1, we may at our sole discretion suspend or close your Account: (a) if : If you use the Account for unauthorised unauthorized purposes of where We detect or unlawful purposes or where we detect reasonably suspect any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services; (b) if your Mobile Money Account or agreement with a Mobile Network Operator is terminated for whatever reason; (c) if we ; If We are required or or requested to comply with an order or an instruction of or or a recommendation from the government, court, regulator or other competent authority; (d) if we ; If We reasonably suspect or believe that you are in breach of these Terms and Conditions this Agreement (including non-payment of any Credit Advance amount due from you where applicable) which you fail to remedy (if remediable) within 14 5 days after the service of notice by email, SMS or other electronic means requiring you to do so; (e) where ; Where such a suspension or variation is necessary as a consequence of technical problems or for reasons of safety; (f) ; to facilitate facilitate, update or upgrade the contents or functionality of the Services from time to time; (g) if we decide ; Where your Account becomes inactive or dormant; If your Account or the agreement with the Mobile Money Provider and/or Mobile Network Provider is terminated for whatever reason; If DCL decides to suspend or cease the provision of the Services for commercial reasons or for any other reason as we it may determine in our its absolute discretion; or (h) if If you breach any of the Licence Restrictions or the Acceptable Use License Restrictions. 13.3 If your Account has a credit balance at any time as a result of overpayment of your Loan, you may issue a Request to us for payment of such credit balance and we will return any such balance to you, less any applicable fees or tax, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Services Provider. Payment will be made to you within seventy two (72) hours of your request. 13.4 Termination shall however not affect any accrued rights rights, remedies and liabilities of either you or Zenka. 13.5 party. If Zenka receives We receive notice of your demisedeath, it We will not be obliged to allow any operation or withdrawal from your Account by any person except upon production of administration letters from a competent authority or confirmed grant of letters of administration or confirmed grant of probate by your legal representatives or executors of your estate duly appointed by a court of competent jurisdiction. If your Account has a credit balance at any time as a result of overpayment of your Credit Advance, you may issue a Request to DCL for payment of such credit balance and DCL will return any such balance to you, less any applicable fees, provided that such amount falls above the minimum transfer amounts specified by the relevant Mobile Money Provider.