Common use of Account Opening Clause in Contracts

Account Opening. 5.1 The Bank reserves the right to verify with the Mobile Network Operator the authenticity and status of your Mobile Money account. 5.2 The Bank reserves the right to verify with MSEA the authenticity and status of your Group registration. 5.3 You may access the Product by USSD by dialing *254#. 5.4 The Customer hereby consents to have the personal data shared by the Mobile Network operator and MSEA with the Bank for purposes of onboarding the customer to the product. This will enable the Bank to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). 5.5 You also hereby agree and authorize the Bank to request Mobile Network Operator for information relating to your use of the Mobile Money Service, Mobile Money System and Mobile Network Operator Services as the Bank shall require for purposes of providing you the Services (“Customer information”) and in particular to determine your credit limit. You hereby consent to the disclosure of the Personal Information and the Customer information by Mobile Network Operator and MSEA to the Bank and to the aforesaid use of the Personal Information and the Customer information by the Bank. 5.6 You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS from the Government of Kenya and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the Bank. 5.7 You hereby agree and authorize the Bank to share your personal information with MSEA for the purpose of formal registration of the Group you belong in during onboarding on Hustler Fund Group Micro Enterprise Savings and Loan Product. 5.8 The Bank reserves the right to request for further information from you pertaining to your application for Hustler Fund Group Micro Enterprise Savings and Loan Product funds at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for the Loan. 5.9 Confirmation of your application acceptance for a Hustler Fund Group Micro Enterprise Savings and Loan Product shall be done via SMS sent to the Mobile Network Operator Mobile Phone Number associated with your Hustler Fund Group. 5.10 Group member or Group official can opt in or belong to only one Hustler Fund Group at a time.

Account Opening. 5.1 4.1 In order to open a Mobile Money Account with the Bank, you must be at least 18 years old with legal capacity to contract, and a registered and active Mobile Subscriber with a mobile service provider with which the Bank has an agreement with for the provision of this service. The Bank reserves the right to verify with the Mobile Network Operator IPRS the authenticity and status of your details. 4.2 You may open a Mobile Money accountAccount solely by way of an electronic application made by you using your Equipment via the Mobile Money Menu on the Mobile Money System. 5.2 The Bank reserves the right to verify with MSEA the authenticity 4.3 You hereby agree and status of your Group registration. 5.3 You may access the Product by USSD by dialing *254#. 5.4 The Customer hereby consents to have the personal data shared by the Mobile Network operator and MSEA with authorize the Bank to request IRPS for purposes of onboarding the customer your personal information held by IPRS pursuant to the product. This agreement between you and Co-operative Bank for the provision of Mobile Banking products and services including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank to identify you and comply with the regulatory “Know Your Customer” KYC requirements (together the “Personal Information”). 5.5 . You also hereby agree and authorize the Bank to request Mobile Network Operator IPRS for information relating to your use of the Mobile Money Service, Mobile Money System and Mobile Network Operator Services ID as the Bank shall require for purposes of providing you the Services (“Customer information”) and in particular to determine your credit limitServices. You hereby consent to the disclosure of the Personal Information and the Customer information by Mobile Network Operator and MSEA IPRS to the Bank and to the aforesaid use of the Personal Information and the Customer information by the Bank. 5.6 4.4 You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS from the Government of Kenya and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the Bank. 5.7 4.5 You hereby agree further acknowledge and authorize the Bank to share verify your personal Personal Information received from Mobile Network pursuant to Clause 4.3 against the information with MSEA for received from the purpose Government of formal registration of Kenya in your respect as contained in the Group you belong in during onboarding on Hustler Fund Group Micro Enterprise Savings and Loan ProductIPRS. 5.8 4.6 The Bank reserves the right to request for further information from you pertaining to your application for Hustler Fund Group Micro Enterprise Savings and Loan Product funds a Mobile Money Account at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for the Loana Mobile Money Account. 5.9 Confirmation 4.7 Acceptance by the Bank of your application acceptance for a Hustler Fund Group Micro Enterprise Savings and Loan Product Mobile Money Account shall be done via SMS sent to the Mobile Network Operator Mobile Phone Number associated with your Hustler Fund GroupMobile Money Account. You acknowledge and accept that the acceptance by the Bank of your application for a Mobile Money Account does not create any contractual relationship between you and the Mobile Network beyond the terms and conditions that apply to your Mobile Money Account from time to time. 5.10 Group member 4.8 The Bank reserves the right to decline your application for a Mobile Money Account or Group official can opt in to revoke the same at any stage at the Bank’s sole discretion and without assigning any reason or belong to only one Hustler Fund Group at a timegiving any notice thereto.

Account Opening. 5.1 The Bank reserves the right to verify with the Mobile Network Operator Telkom the authenticity and status of your Mobile Money T- kash account. 5.2 The Bank reserves You may access the right Hustler Fund solely by way of an electronic application made by you using your mobile phone via the Hustler Fund Savings and Loan Product menu on the Telkom Network system by dialing *254# or any other means as may be notified to verify with MSEA the authenticity and status of your Group registrationyou from time to time. 5.3 You may access the Product by USSD by dialing *254#. 5.4 The Customer hereby consents to have the personal data shared by the Mobile Network operator consent and MSEA with authorize the Bank for purposes of onboarding the customer to request for, receive, record, disclose or utilize your personal information held by Telkom pursuant to the product. This agreement between you and Telkom for the provision of Telkom products and services and T-kash Service including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). 5.5 . You also hereby agree and authorize the Bank to request Mobile Network Operator Telkom for information relating to your use of the Mobile Money T-kash Service, Mobile Money T-kash System and Mobile Network Operator Telkom Services as the Bank shall require for purposes of providing you the Services (“Customer information”) and in particular to determine your credit limit. You hereby consent to the disclosure of the Personal Information and the Customer information by Mobile Network Operator and MSEA Telkom to the Bank and to the aforesaid use of the Personal Information and the Customer information by the Bank. 5.6 5.4 You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS from the Government of Kenya and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the Bank. 5.7 5.5 You hereby agree further acknowledge and authorize the Bank to share verify your personal Personal Information received from Telkom against the information with MSEA for received from the purpose Government of formal registration of Kenya in your respect as contained in the Group you belong in during onboarding on Hustler Fund Group Micro Enterprise Savings and Loan ProductIPRS. 5.8 5.6 The Bank reserves the right to request for further information from you pertaining to your application for a Hustler Fund Group Micro Enterprise Savings and Loan Product funds at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for the Loana loan. 5.9 Confirmation 5.7 Acceptance of your application acceptance for a Hustler Fund Group Micro Enterprise Savings and Loan Product Fund shall be done via SMS sent to the Mobile Network Operator Telkom Mobile Phone Number associated with your Hustler Fund GroupT-kash Account. 5.10 Group member or Group official can opt in or belong 5.8 The Bank reserves the right to only one Hustler Fund Group at decline your application for a timeloan.

Account Opening. 5.1 4.1 In order to open a KCB mobile loan Account with the Bank, you must be at least 18 years old, a registered and active Mobile Subscriber with a mobile service provider with which the Bank has an agreement with for the provision of this service. The Bank reserves the right to verify with the Mobile Network Operator NIRA the authenticity and status of your Mobile Money accountdetails. 5.2 The Bank reserves 4.2 You may open a KCB mobile loan Account solely by way of an electronic application made by you using your Equipment via the right to verify with MSEA KCB Mobile Loan Menu on the authenticity and status of your Group registrationKCB Mobile Loan System. 5.3 4.3 You may access the Product by USSD by dialing *254#. 5.4 The Customer hereby consents to have the personal data shared by the Mobile Network operator agree and MSEA with authorize the Bank to request NIRA for purposes of onboarding the customer your personal information in pursuant to the product. This agreement between you and KCB for the provision of Mobile Banking products and services and Banking Service including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank KCB to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). 5.5 . You also hereby agree and authorize the Bank to request Mobile Network Operator NIRA for information relating to your use of the Mobile Money Service, Mobile Money System and Mobile Network Operator Services ID as the Bank shall require for purposes of providing you the Services (“Customer information”) and in particular to determine your credit limitServices. You hereby consent to the disclosure of the Personal Information and the Customer information by Mobile Network Operator and MSEA NIRA to the Bank and to the aforesaid use of the Personal Information and the Customer information by the Bank. 5.6 4.4 You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS NIRA from the Government of Kenya Uganda and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya Uganda to the Bank. 5.7 4.5 You hereby agree further acknowledge and authorize the Bank to share verify your personal Personal Information received from Mobile Network pursuant a g a i n s t the information with MSEA for received from the purpose Government of formal registration of Uganda in your respect as contained in the Group you belong in during onboarding on Hustler Fund Group Micro Enterprise Savings and Loan ProductNIRA. 5.8 4.6 The Bank reserves the right to request for further information from you pertaining to your application for Hustler Fund Group Micro Enterprise Savings and Loan Product funds KCB Mobile loan at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for the LoanKCB Mobile loan. 5.9 Confirmation 4.7 Acceptance by the Bank of your application acceptance for the KCB Mobile loan s h a Hustler Fund Group Micro Enterprise Savings and Loan Product shall l l be done via SMS sent to the Mobile Network Operator Mobile Phone Number associated with your Hustler Fund GroupBank Account. 5.10 Group member 4.8 The Bank reserves the right to decline your application for KCB Mobile loan or Group official can opt in to revoke the same at any stage at the Bank’s sole discretion and without assigning any reason or belong to only one Hustler Fund Group at a timegiving any notice thereto.

Account Opening. 5.1 The Bank reserves the right to verify with the Mobile Network Operator Telkom the authenticity and status of your Mobile Money T- KASH account. 5.2 The Bank reserves the right to verify with MSEA the authenticity and status of your Group registration. 5.3 You may access the Hustler Fund Saving and Micro Enterprise Loan Product by USSD way of an electronic application made by you using your mobile phone via the Hustler Fund menu on the Telkom Network system by dialing *254#. 5.4 The Customer 5.3 You hereby consents to have the personal data shared by the Mobile Network operator consent and MSEA with authorize the Bank for purposes of onboarding the customer to request for, receive, record, disclose or utilize your personal information held by Telkom pursuant to the product. This agreement between you and Telkom for the provision of Telkom products and services and T-KASH Service including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). 5.5 . You also hereby agree and authorize the Bank to request Mobile Network Operator Telkom for information relating to your use of the Mobile Money T-KASH Service, Mobile Money T-KASH System and Mobile Network Operator Telkom Services as the Bank shall require for purposes of providing you the Services (“Customer information”) and in particular to determine your credit limit. You hereby consent to the disclosure of the Personal Information and the Customer information by Mobile Network Operator and MSEA Telkom to the Bank and to the aforesaid use of the Personal Information and the Customer information by the Bank. 5.6 5.4 You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS from the Government of Kenya and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the Bank. 5.7 5.5 You hereby agree further acknowledge and authorize the Bank to share verify your personal Personal Information received from Telkom against the information with MSEA for received from the purpose Government of formal registration of Kenya in your respect as contained in the Group you belong in during onboarding on Hustler Fund Group Micro Enterprise Savings and Loan ProductIPRS. 5.8 5.6 The Bank reserves the right to request for further information from you pertaining to your application for a Hustler Fund Group Micro Enterprise Savings and Loan Product funds at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for the LoantheLoan. 5.9 Confirmation 5.7 Acceptance of your application acceptance for a Hustler Fund Group Micro Enterprise Savings and Loan Product shall be done via SMS sent to the Mobile Network Operator Telkom Mobile Phone Number associated with your Hustler Fund GroupT-KASH Account. 5.10 Group member or Group official can opt in or belong 5.8 The Bank reserves the right to only one Hustler Fund Group at decline your application for a timeLoan.

Account Opening. 5.1 4.1 In order to open a Retailer loan financing Account with the Bank, you must be at least 18 years old, a registered and active Mobile Subscriber with a mobile service provider with which the Bank has an agreement with for the provision of this service. The Bank reserves the right to verify with the Mobile Network Operator NIRA the authenticity and status of your Mobile Money accountdetails. 5.2 The Bank reserves 4.2 You may open a Retailer Loan Financing Account solely by way of an electronic application made by you using your Equipment via the right to verify with MSEA Retailer loan financing Menu on the authenticity and status of your Group registrationKCB Retailer Financing System. 5.3 4.3 You may access the Product by USSD by dialing *254#. 5.4 The Customer hereby consents to have the personal data shared by the Mobile Network operator agree and MSEA with authorize the Bank to request NIRA for purposes of onboarding the customer your personal information in pursuant to the product. This agreement between you and KCB for the provision of Mobile Banking products and services and Banking Service including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank KCB to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). 5.5 . You also hereby agree and authorize the Bank to request Mobile Network Operator NIRA for information relating to your use of the Mobile Money Service, Mobile Money System and Mobile Network Operator Services ID as the Bank shall require for purposes of providing you the Services (“Customer information”) and in particular to determine your credit limitServices. You hereby consent to the disclosure of the Personal Information and the Customer information by Mobile Network Operator and MSEA NIRA to the Bank and to the aforesaid use of the Personal Information and the Customer information by the Bank. 5.6 4.4 You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS NIRA from the Government of Kenya Uganda and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya Uganda to the Bank. 5.7 4.5 You hereby agree further acknowledge and authorize the Bank to share verify your personal Personal Information received from Mobile Network pursuant a g a i n s t the information with MSEA for received from the purpose Government of formal registration of Uganda in your respect as contained in the Group you belong in during onboarding on Hustler Fund Group Micro Enterprise Savings and Loan ProductNIRA. 5.8 4.6 The Bank reserves the right to request for further information from you pertaining to your application for Hustler Fund Group Micro Enterprise Savings and Loan Product funds Retailer loan financing Account at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for the Loana Retailer loan financing Account. 5.9 Confirmation 4.7 Acceptance by the Bank of your application acceptance for a Hustler Fund Group Micro Enterprise Savings and Loan Product shall Retailer loan financing s h a l l be done via SMS sent to the Mobile Network Operator Mobile Phone Number associated with your Hustler Fund GroupBank Account. 5.10 Group member 4.8 The Bank reserves the right to decline your application for Retailer loan financing or Group official can opt in to revoke the same at any stage at the Bank’s sole discretion and without assigning any reason or belong to only one Hustler Fund Group at a timegiving any notice thereto.

Account Opening. 5.1 4.1 In order to open a Faulu Digital Account with the Bank, you must be at least Eighteen (18) years old with legal capacity to contract, and a registered and active Mobile Subscriber with a mobile service provider with which the Bank has an agreement with for the provision of this service. The Bank reserves the right to verify with the Mobile Network Operator IPRS the authenticity and status of your Mobile Money accountdetails. 5.2 The Bank reserves the right to verify with MSEA the authenticity and status of your Group registration. 5.3 4.2 You may access open a Faulu Digital Account solely by way of an electronic application made by you using your Equipment via the Product by USSD by dialing *254#. 5.4 The Customer hereby consents to have the personal data shared by Account Opening Menu on the Mobile Network operator Banking System or on USSD (*339#) 4.3 You hereby agree and MSEA with authorize the Bank to request IRPS for purposes of onboarding the customer your personal information held by IPRS pursuant to the product. This agreement between you and Faulu MFB for the provision of Mobile Banking products and services including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank to identify you and comply with the regulatory “Know Your Customer” KYC requirements (together the “Personal Information”). 5.5 . You also hereby agree and authorize the Bank to request Mobile Network Operator IPRS for information relating to your use of the Mobile Money Service, Mobile Money System and Mobile Network Operator Services ID as the Bank shall require for purposes of providing you the Services (“Customer information”) and in particular to determine your credit limitServices. You hereby consent to the disclosure of the Personal Information and the Customer information by Mobile Network Operator and MSEA IPRS to the Bank and to the aforesaid use of the Personal Information and the Customer information by the Bank. 5.6 4.4 You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS from the Government of Kenya and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the Bank. 5.7 4.5 You hereby agree further acknowledge and authorize the Bank to share verify your personal Personal Information received from Mobile Network pursuant to Clause 4.3 against the information with MSEA for received from the purpose Government of formal registration of Kenya in your respect as contained in the Group you belong in during onboarding on Hustler Fund Group Micro Enterprise Savings and Loan ProductIPRS. 5.8 4.6 The Bank reserves the right to request for further information from you pertaining to your application for Hustler Fund Group Micro Enterprise Savings and Loan Product funds Faulu Digital Account at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for the LoanFaulu Digital Account. 5.9 Confirmation 4.7 Acceptance by the Bank of your application acceptance for a Hustler Fund Group Micro Enterprise Savings and Loan Product Faulu Digital Account shall be done via SMS sent to the Mobile Network Operator Mobile Phone Number associated with your Hustler Fund GroupMobile Money Account. You acknowledge and accept that the acceptance by the Bank of your application for a Faulu Digital Account does not create any contractual relationship between you and the Mobile Network beyond the terms and conditions that apply to your Faulu Digital Account from time to time. 5.10 Group member 4.8 The Bank reserves the right to decline your application for a Faulu Digital Account or Group official can opt in to revoke the same at any stage at the Bank’s sole discretion and without assigning any reason or belong to only one Hustler Fund Group at a timegiving any notice thereto.

Account Opening. 5.1 The Bank reserves the right to verify with the Mobile Network Operator Safaricom the authenticity and status of your Mobile Money M-PESA account. 5.2 The Bank reserves the right to verify with MSEA the authenticity and status of your Group registration. 5.3 You may access the Hustler Fund Saving and Micro Enterprise Loan Product by USSD way of an electronic application made by you using your mobile phone via the Hustler Fund menu on the Safaricom Network system by dialing *254#. 5.4 The Customer 5.3 You hereby consents to have the personal data shared by the Mobile Network operator consent and MSEA with authorize the Bank for purposes of onboarding the customer to request for, receive, record, disclose or utilize your personal information held by Safaricom pursuant to the product. This agreement between you and Safaricom for the provision of Safaricom products and services and M-PESA Service including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). 5.5 . You also hereby agree and authorize the Bank to request Mobile Network Operator Safaricom for information relating to your use of the Mobile Money M-PESA Service, Mobile Money M-PESA System and Mobile Network Operator Safaricom Services as the Bank shall require for purposes of providing you the Services (“Customer information”) and in particular to determine your credit limit. You hereby consent to the disclosure of the Personal Information and the Customer information by Mobile Network Operator and MSEA Safaricom to the Bank and to the aforesaid use of the Personal Information and the Customer information by the Bank. 5.6 5.4 You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS from the Government of Kenya and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the Bank. 5.7 5.5 You hereby agree further acknowledge and authorize the Bank to share verify your personal Personal Information received from Safaricom against the information with MSEA for received from the purpose Government of formal registration of Kenya in your respect as contained in the Group you belong in during onboarding on Hustler Fund Group Micro Enterprise Savings and Loan ProductIPRS. 5.8 5.6 The Bank reserves the right to request for further information from you pertaining to your application for a Hustler Fund Group Micro Enterprise Savings and Loan Product funds at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for the Loan. 5.9 Confirmation 5.7 Acceptance of your application acceptance for a Hustler Fund Group Micro Enterprise Savings and Loan Product shall be done via SMS sent to the Mobile Network Operator Safaricom Mobile Phone Number associated with your Hustler Fund GroupM-PESA Account. 5.10 Group member or Group official can opt in or belong 5.8 The Bank reserves the right to only one Hustler Fund Group at decline your application for a timeLoan.

Account Opening. 5.1 4.1. To open a KCB Mobile Loan Account with the Bank, you must be at least 18 years old, a registered and active Mobile Subscriber with a mobile service provider with which the Bank has an agreement with for the provision of this service. The Bank reserves the right to verify with the Mobile Network Operator IPRS the authenticity and status of your Mobile Money accountdetails. 5.2 The Bank reserves 4.2. You may open a KCB Mobile Loan Account solely by way of an electronic application made by you using your Equipment via the right to verify with MSEA KCB Mobile Loan Menu on the authenticity and status of your Group registrationKCB Mobile System. 5.3 4.3. You may access the Product by USSD by dialing *254#. 5.4 The Customer hereby consents to have the personal data shared by the Mobile Network operator agree and MSEA with authorize the Bank to request IPRS for purposes of onboarding the customer your personal information held by IPRS pursuant to the product. This agreement between you and KCB for the provision of Mobile Banking products and services and Banking Service including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). 5.5 . You also hereby agree and authorize the Bank to request Mobile Network Operator IPRS for information relating to your use of the Mobile Money Service, Mobile Money System and Mobile Network Operator Services ID as the Bank shall require for purposes of providing you the Services (“Customer information”) and in particular to determine your credit limitServices. You hereby consent to the disclosure of the Personal Information and the Customer information by Mobile Network Operator and MSEA IPRS to the Bank and to the aforesaid use of the Personal Information and the Customer information by the Bank. 5.6 4.4. You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS from the Government of Kenya and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the Bank. 5.7 4.5. You hereby agree further acknowledge and authorize the Bank to share verify your personal Personal Information received from Mobile Network pursuant to Clause 4.3 against the information with MSEA for received from the purpose Government of formal registration of Kenya in your respect as contained in the Group you belong in during onboarding on Hustler Fund Group Micro Enterprise Savings and Loan ProductIPRS. 5.8 4.6. The Bank reserves the right to request for further information from you pertaining to your application for Hustler Fund Group Micro Enterprise Savings and a KCB Mobile Loan Product funds Account at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for the Loana KCB Mobile Loan Account. 5.9 Confirmation 4.7. You undertake to update the personal information provided when opening the Bank Account within thirty (30) days from the date of any changes to the information provided therein. 4.8. Acceptance by the Bank of your application acceptance for a Hustler Fund Group Micro Enterprise Savings and KCB Mobile Loan Product shall be done via SMS sent to the Mobile Network Operator Mobile Phone Number associated with your Hustler Fund GroupBank Account. 5.10 Group member 4.9. The Bank reserves the right to decline your application for a KCB Mobile Loan Account or Group official to revoke the same at any stage at the Bank’s sole discretion and withoutassigning any reason or giving any notice thereto. 4.10. After successful registration, you can opt in use the Services seven (7) days a week, twenty- four (24) hours a day, although some or belong all of the Services will not be available during regularly scheduled maintenance periods or due to only one Hustler Fund Group at a timesystem/network interruptions.

Account Opening. 5.1 4.1. To open a KCB Mobile Loan Account with the Bank, you must be at least 18 years old, a registered and active Mobile Subscriber with a mobile service provider with which the Bank has an agreement with for the provision of this service. The Bank reserves the right to verify with the Mobile Network Operator IPRS the authenticity and status of your Mobile Money accountdetails. 5.2 The Bank reserves 4.2. You may open a KCB Mobile Loan Account solely by way of an electronic application made by you using your Equipment via the right to verify with MSEA KCB Mobile Loan Menu on the authenticity and status of your Group registrationKCB Mobile System. 5.3 4.3. You may access the Product by USSD by dialing *254#. 5.4 The Customer hereby consents to have the personal data shared by the Mobile Network operator agree and MSEA with authorize the Bank to request IPRS for purposes of onboarding the customer your personal information held by IPRS pursuant to the product. This agreement between you and KCB for the provision of Mobile Banking products and services and Banking Service including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). 5.5 . You also hereby agree and authorize the Bank to request Mobile Network Operator IPRS for information relating to your use of the Mobile Money Service, Mobile Money System and Mobile Network Operator Services ID as the Bank shall require for purposes of providing you the Services (“Customer information”) and in particular to determine your credit limitServices. You hereby consent to the disclosure of the Personal Information and the Customer information by Mobile Network Operator and MSEA IPRS to the Bank and to the aforesaid use of the Personal Information and the Customer information by the Bank. 5.6 4.4. You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS from the Government of Kenya and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the Bank. 5.7 4.5. You hereby agree further acknowledge and authorize the Bank to share verify your personal Personal Information received from Mobile Network pursuant to Clause 4.3 against the information with MSEA for received from the purpose Government of formal registration of Kenya in your respect as contained in the Group you belong in during onboarding on Hustler Fund Group Micro Enterprise Savings and Loan ProductIPRS. 5.8 4.6. The Bank reserves the right to request for further information from you pertaining to your application for Hustler Fund Group Micro Enterprise Savings and a KCB Mobile Loan Product funds Account at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for the Loana KCB Mobile Loan Account. 5.9 Confirmation 4.7. You undertake to update the personal information provided when opening the Bank Account within thirty (30) days from the date of any changes to the information provided therein. 4.8. Acceptance by the Bank of your application acceptance for a Hustler Fund Group Micro Enterprise Savings and KCB Mobile Loan Product shall be done via SMS sent to the Mobile Network Operator Mobile Phone Number associated with your Hustler Fund GroupBank Account. 5.10 Group member 4.9. The Bank reserves the right to decline your application for a KCB Mobile Loan Account or Group official to revoke the same at any stage at the Bank’s sole discretion and without assigning any reason or giving any notice thereto. 4.10. After successful registration, you can opt in use the Services seven (7) days a week, twenty- four (24) hours a day, although some or belong all of the Services will not be available during regularly scheduled maintenance periods or due to only one Hustler Fund Group at a timesystem/network interruptions.

Account Opening. 5.1 4.1. To open a KCB Mobile Loan Account with the Bank, you must be at least 18 years old, a registered and active Mobile Subscriber with a mobile service provider with which the Bank has an agreement with for the provision of this service. The Bank reserves the right to verify with the Mobile Network Operator IPRS the authenticity and status of your Mobile Money accountdetails. 5.2 The Bank reserves 4.2. You may open a KCB Mobile Loan Account solely by way of an electronic applicationmade by you using your Equipment via the right to verify with MSEA KCB Mobile Loan Menu on the authenticity and status of your Group registrationKCB Mobile System. 5.3 4.3. You may access the Product by USSD by dialing *254#. 5.4 The Customer hereby consents to have the personal data shared by the Mobile Network operator agree and MSEA with authorize the Bank to request IPRS for purposes of onboarding the customer your personal information held by IPRS pursuant to the product. This agreement between you and KCB for the provision of Mobile Banking products and services and Banking Service including your phone number, name, date of birth, ID or Passport Number and such other information that will enable the Bank to identify you and comply with the regulatory “Know Your Customer” requirements (together the “Personal Information”). 5.5 . You also hereby agree and authorize the Bank to request Mobile Network Operator IPRS for information relating to your use of the Mobile Money Service, Mobile Money System and Mobile Network Operator Services ID as the Bank shall require for purposes of providing you the Services (“Customer information”) and in particular to determine your credit limitServices. You hereby consent to the disclosure of the Personal Information and the Customer information by Mobile Network Operator and MSEA IPRS to the Bank and to the aforesaid use of the Personal Information and the Customer information by the Bank. 5.6 4.4. You hereby agree and authorize the Bank to obtain and procure your Personal Information contained in the IPRS from the Government of Kenya and you further agree and consent to the disclosure and provision of such Personal Information by the Government of Kenya to the Bank. 5.7 4.5. You hereby agree further acknowledge and authorize the Bank to share verify your personal Personal Information received from Mobile Network pursuant to Clause 4.3 against the information with MSEA for received from the purpose Government of formal registration of Kenya in your respect as contained in the Group you belong in during onboarding on Hustler Fund Group Micro Enterprise Savings and Loan ProductIPRS. 5.8 4.6. The Bank reserves the right to request for further information from you pertaining to your application for Hustler Fund Group Micro Enterprise Savings and a KCB Mobile Loan Product funds Account at any time. Failure to provide such information within the time required by the Bank may result in the Bank declining to accept your application for the Loana KCB Mobile Loan Account. 5.9 Confirmation 4.7. You undertake to update the personal information provided when opening the Bank Account within thirty (30) days from the date of any changes to the information provided therein. 4.8. Acceptance by the Bank of your application acceptance for a Hustler Fund Group Micro Enterprise Savings and KCB Mobile Loan Product shall be done via SMS sent to the Mobile Network Operator Mobile Phone Number associated with your Hustler Fund GroupBank Account. 5.10 Group member 4.9. The Bank reserves the right to decline your application for a KCB Mobile Loan Account or Group official to revoke the same at any stage at the Bank’s sole discretion and withoutassigning any reason or giving any notice thereto. 4.10. After successful registration, you can opt in use the Services seven (7) days a week, twenty-four (24) hours a day, although some or belong all of the Services will not be available during regularly scheduled maintenance periods or due to only one Hustler Fund Group at a timesystem/network interruptions.