1.2 These General Terms and Conditions are applicable between the Broker and the Customer.

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1 GENERAL TERMS AND CONDITIONS OF THE SERVICE 1. Purpose and definitions 1.1 Aurora Exchange Ltd (Finnish trade register number , the "Broker") offers its customers ("Customer") a web service (the "Service") with a marketplace ("Exchange"), where Customers may offer to borrow from and lend to each other. Customers may act as borrowers ("Borrower"), lenders ("Investors"), or in both roles. The Broker will act on behalf of the Customers in relation to origination and servicing the loans, including tracking and making payments, accounting, collection and maintaining the customer funds account ("Customer Funds Account"). 1.2 These General Terms and Conditions are applicable between the Broker and the Customer. 2. Registration in the Service 2.1. The Customer has to register as a Customer prior to using the Service. During registration, the Customer creates a user account and a password and the identity of the Customer is verified with a passport copy, ID, electronic verifications and/or other relevant documents. 2.2 The Customer must keep its user ID and password secret and separate from each other, and to prevent their disclosure to third parties. The Customer must immediately inform the Broker and change the password if it suspects that a third party has become aware of it. 2.3 The Customer is responsible for any damage or loss incurred by it, the Broker or a third party if the Customer fails to meet its obligations under Clause 2.2. Broker reserves the right to close the Customer's account without prior notice, if it detects suspicious activity or suspects that the user name or password have been compromised. 3. Operation of the Exchange 3.1 All Customers must the age of majority and be in control of themselves and their assets. Borrowers must have no registered payment defaults and fulfill the criteria set out in the Service from time to time. 3.2 Investors must have a sufficient understanding of investing, be familiar with the products offered in the Service and the related risks. A legal entity may act as an Investor. 3.3 The Borrower makes a borrowing request in the Service by specifying the desired amount of the loan, its minimum duration and the maximum interest rate. The Service then rates the requested loan and shows the Customer the immediately available loan amount and as an alternative, a calculation of a borrowing request to be placed to the Exchange. 3.4 After the Borrower has placed the request, the Service starts to match Investors' offers that meet the Customer's borrowing criteria and tries to fulfil the borrowing request only in full. The Service automatically generates loan agreements on behalf of the Customers. The Service automatically limits the interest rate to comply with the maximum permitted under the law. 3.5 The Borrower understands that the situation in the Exchange may change between the calculation and closing of the loan as in normal exchange trading. If the Borrower is not satisfied with the final result, he may pay back their loans without charge in accordance with the loan agreement. 3.6 The Customer may reduce borrowing request or cancel it altogether at any time in the Service. 3.7 The Borrower agrees to pay interest on the loan once it becomes accessible to Borrower in the Customer Funds Account. 3.8 The monthly repayment date is the same day of the month for all loans originated based on one loan request and they are paid with one invoice. 3.9 The Investor makes a lending offer by opening an investment basket, in which it defines the desired investment amount, the maximum investment per Borrower, maximum loan time, minimum interest rates and

2 the minimum risk category, and any other or different requirements applicable to investment baskets from time to time The Investor transfers the invested amount into the Customer Funds Account. After the funds are received, the Service begins offer loans in line with the parameters of the investment basket Service will reinvest returning funds on the same terms, unless the Customer has switched automatic investment off The Investor may choose to change the size of the investment basket or its criteria If the Investor wants to sell loans he has granted, he can place them for sale in Exchange at the same interest rate. When another investor acquires a share of the loan, the rights related to the sold portion of the loan transfer to the new investor. The Investor can only offer to sell loans which are not overdue Investor understands that new borrowing requests and loans sold by other investors are not separated in the Exchange and they may be available simultaneously If desired, the Customer can place offers at market prices, in which case the interest rate is determined by the current market situation according to bids by counterparties. The Broker reserves the right, at its discretion, to set minimum or maximum limits to protect the parties in situations where the market price is bid would result in excessively low or high interest rates. The Broker is not obligated to inform any imposed limits, so that the Broker influences the pricing of loans as little as possible. 4. Loan and insurance contracts 4.1 The Service will create loan agreements on behalf of the parties, and they undertake to comply therewith. The model loan agreement is available in the Service. Customers acknowledge and agree that in respect of individual parts of the loan, the agreements are based on and printed out pursuant to the Broker's accounting entries. 4.2 When Borrower makes a loan request, the Service creates one agreement, which sets out fees, repayments, interest rates, charges and late payment penalties. The Service calculates the average interest rate, repayment dates and the APR, so that the loan size, average interest rate and the real cost of debt is stated as the maximum amount assuming that late payments do not occur. 4.3 The price list valid from time to time is available at the Service. 4.4 Changes and agreements relating to all the loan agreement and maturity payments must be made in writing or in the Service. 4.5 The Broker may obtain a payment protection insurance for loans. The terms and conditions, compensation and associated restrictions of insurance are displayed in the Service. The Broker reserves the right to change the terms of the insurance policy or cancel it by notifying the Customer 60 days prior to the change or cancellation. 5. The allocation of the loan payment 5.1 The loan payment is allocated towards the Borrower compliant with the law on collections (In Finland, law 513/1999) and towards the Investors in the following order: 1) Broker's fees 2) Recovery costs 3) Interest on late payments, distributed pro rata to Investors 4) Interest of principal, distributed pro rata to capital invested and the interest rate agreed between Borrower and Investor. If the fee is not sufficient to cover the interest on the capital, the rest will be capitalized on the following payments.

3 5) Loan principal. Principal repayments are distributed pro rata to Investors and the remainder is transferred to the next invoice and/or the Borrower is reminded of a late payment. 6. Information provided by and acquired about Borrowers 6.1 The Borrower warrants that information it has provided at registration and thereafter is accurate and truthful. The Borrower is responsible for the correctness of the data. The address data declared by the Borrower must match the data from the Population Register Centre. 6.2 The Borrower must provide the Broker information on his financial position and other matters which are necessary for the purposes of the relationship and applicable legislation. The Borrower shall promptly notify the change of name or address to the Broker. The Broker shall have the right to charge the reasonable expenses incurred for reconciling incorrect contact details. 6.3 The Borrower agrees that their credit information is acquired in connection with granting the loan, in Finland using Bisnode Finland Oy and / or Suomen Asiakastieto Oy's credit information and credit rating services, as well as reviewing his bank account cash flows using Instantor AB's service, and that they are stored in the Broker register for the entire customer relationship's term. Similarly, the Borrower agrees that his employee, personal and contact information will be kept in the Broker's register the entire customer relationship term. If the information does not correspond to the information reported by the Borrower in the application, the Broker is entitled to reject the loan request. 6.4 Credit rating is subject to a fee according to the price list, and it will be charged on the Borrower's credit card. The fee is not refundable, even if the credit rating would not allow the Borrower to take a loan. 6.5 Borrower understands that giving false information may result in liability for damages and criminal liability. The Borrower agrees that his loan application data can be shared with authorities as well as Lenders and their counsel in connection with debt collection The Borrower warrants that it is able and has a deliberate intent to repay the loan on time in full. The Borrower accepts that the information on their payment behavior is stored, and that they significantly affect the credit rating of future loans. The Borrower also agrees that the Broker may, subject to applicable law, provide financial service providers information about Borrower's payment behavior for purposes of credit decisions. 7. Money transfers and Customer funds 7.1 The Customer funds are and remain the property of Customer. Customer authorizes the Broker to instruct transfers of funds in accordance with this Agreement. 7.2 The responsibility for transfers and safekeeping of Customers' funds is with MANGOPAY SA, which is authorized to operate in the EU, based in Luxembourg and is supervised by the Luxembourg s market supervisor Commission de Surveillance du Secteur Financier (CSSF). The Customers funds are asset accounts are kept separate from the MANGOPAY s and Broker's assets in European banks. Credit card payments are only used to pay for the credit rating fees. 7.3 On registration in the Service, the Customer enters into an agreement with MANGOPAY SA in relation to retention of customer funds and the procedures related thereto. This Agreement which is also a part of these General Terms and Conditions is freely viewable in the Service. The Broker is liable for fees payable to MANGOPAY SA resulting from the use of the Service. 7.4 Customers agree on request to update the information required by CSSF for the prevention of money laundering and financing of terrorism, and authorizes the Broker to provide the same information to a payment institution and the CSSF. 7.5 The Customer may at any time request the transfer of Customer funds into your bank account. The transferred amount must be more than five (5) euros, except when the Customer wishes to terminate this Agreement. The Borrower shall have the right to rely on the bank account provided by the Customer. The Broker may disclose the personal identification number of the Borrower and other information the bank or

4 payment institution may request to comply with its obligations to secure financial transactions and identify its clients The Broker may change the payment service provider and the safekeeper of the Customer Funds provided that the Customers Funds always stay separate from the Broker s funds. The Broker must notify the Customers in 60 days before the change becomes effective except when a faster transition is necessary to safeguard Customer Funds. The Customer authorizes the Broker to transfer the Customer Funds to the new service provider in connection with the change. 8. Conditions for investing 8.1 The Broker identifies the Borrower as described in the Service. The Broker credit rates all loan requests on the Borrower using its algorithm and the information it obtains from the relevant sources. 8.2 The investor authorizes the Broker to manage the receivables under loan agreements as it sees fit, including collecting, transfering for collection or selling the receivables to third parties, and distributing the recoveries in accordance with this Agreement. The Investor agrees that the debt collection companies buy delayed receivables at less than their nominal value. The recovery and enforcement costs will be charged before distribution of funds. 8.3 The identity of the Borrower and Lender does not come to each other s attention of investors when the loan agreement is concluded. Customers do not have the right to independently contact each other. 8.4 Loans carry a risk of partial or complete capital loss. The historical performance of loans is not a guarantee of future returns. 8.5 Key risks include but are not limited to Borrower's inability to repay the loan, yield differing from expected and the liquidity risk. Risks are discussed more detail in the Service at section Risks. 8.6 The investor will pay fees according to the price list of services. 8.7 The interest is taxable for the investor. No withholding is currently made on earned interest. The investor is responsible for the reporting the taxable income and deductible expenses to the tax authorities. 9. Termination 9.1 This Agreement shall remain in force until further notice. The parties may choose to terminate this Agreement by end in one (1) month after a written notification, repayment of all loans and withdrawal of all investments, whichever is the latest. 10. Processing of personal data and credit information 10.1 The Customer grants the Broker permission in accordance with the Personal Data Act Chapter 2, 8 1 section to process personal data for the purposes of granting, managing and servicing loans, collections and provision to an insurance company. The privacy policy regarding the processing of personal data can be read at the Service The Broker may use the information for the purposes necessary to maintaining the customer relationship. In addition, the Broker may use the information for marketing of its products and services. The Customer may elect to allow or prohibit marketing in the service settings. 11. Notices 11.1 Any communication between the Broker and the Customer may be validly delivered in the Service. Messages left in the Service will be notified to the Customer by . Notice shall be deemed validly given when it is shown in the Service and an information thereof is sent to the Customers address in the Service, regardless of whether the Customer actually seen the notice. All information that is sent to the Customer shall be deemed as delivered to him not later than seven (7) days of the sending of the abovementioned manner.

5 12. Force Majeure 12.1 Neither party shall be liable for damage caused by force majeure. Each contracting party is obliged to inform the other party of the force majeure faced by him as soon as possible. 13. Changes 13.1 The Broker has a right as a representative of Customers to amend these terms and conditions by notifying Borrowers and Investors in writing 30 days before the change. The changes do not affect the terms and conditions of existing loan agreements, unless the change does not increase the Customer's obligations or reduce his or her rights, or if the change is due to a change in legislation or a decision of a competent authority. 14. Transfer of contract 14.1 Broker shall have the right to transfer this Agreement in part or in full including all its rights and obligations to a third party, which resides in EU area and complies a regulation that secures the Customer s interest at a similar level or better and in Broker s reasonable assessment may perform the Broker s obligations here under as well as the Broker. The Broker may employ third parties in performance of its obligations hereunder. The Transfer shall be notified to the Customer. The Customer is not entitled to assign this Agreement to a third party. 15. Insolvency or winding-up of the Broker 15.1 If the Broker ceases to operate or becomes subject to insolvency procedures, the trustee, administrator or the Investor may assign this Agreement and the loan agreements to a third party for collections. If the trustee or administrator have not started collections in three (3) months from commencement of such proceedings, the Investor may collect the receivables directly from Borrowers. 16. Governing law and dispute resolution 16.1 This Agreement is governed by Finnish law. If the dispute cannot be resolved by negotiation between the parties, it will be settled in the Customer's domicile. If the Customer does not have a residence in Finland, disputes are settled in the Helsinki District Court. Contact details of the supervising authority Etelä-Suomen aluehallintovirasto PL 150, Hämeenlinna, Finland Tel Contact details of the Broker Aurora Exchange Oy Bulevardi 14 A, Helsinki, Finland Tel These terms and conditions are applicable from onwards (vs. 3)