Community 25, Near DPS Int. School, Dawhenya, Tema Box OS 1745, Osu-Accra USER AGREEMENT

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1 USER AGREEMENT The MyCashBox Agreement, also referred to as the User Agreement is a contract between you and us (Titan PS Ltd and MyCashBox) and applies to your use of MyCashBox Services. You must agree with all of the terms of use and other applicable agreements, Policies and Statements before you can use MyCashBox services. Visit the Terms of use page and read all the Agreements, Policies and Statements. This Agreement may be changed from time to time and the revised version posted on the legal pages of our website and becomes effective at the time of posting. When you log in after a revised Agreement has been posted, you will have to accept before you can use your MyCashBox. Certain changes might be Significant, and for those changes a 30 day prior notice will be given. We may close, suspend, or limit your access to your MyCashBox or the MyCashBox Service, and/or limit access to your funds if you violate this Agreement or the Acceptable Use Policy, or any other agreement you enter into with MyCashBox. You are solely responsible for understanding and complying with any and all laws, rules and regulations that may be applicable to you in connection with your use of MyCashBox Services. Services Titan PS is an ecommerce business specializing in the provision of electronic and mobile payments and cash send services. Our services allow you to pay or be paid and to send or receive cash from anyone with a MyCashBox. MyCashBox does not have any control over, and are not responsible or liable for, the products or services that are paid for with our Services. We cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction. Eligibility To be eligible to use MyCashBox, you must be 16 years old or above and resident in Ghana or a Ghanaian or foreign national living outside Ghana and wish to send money to Ghana. Information In order to open and maintain a MyCashBox, you must provide us with correct and updated information about yourself. a. Your contact information. The responsibility to keep your address and mobile phone number up to date so that MyCashBox can communicate with you via and sms is yours. You understand and agree that if MyCashBox sends you an or sms but you do not receive it for whatever reason, including but not limited to your address on our system being out dated or incorrect, MyCashBox will be deemed to have delivered the communication to you. b. You can update your contact information and other profile data at any time by logging into your MyCashBox via the web channel. If your address and mobile number are not current, you will not be able to access information sent to you by MyCashBox. This may deactivate certain paying channels. MyCashBox may not be held liable under these circumstances. c. Identity Verification. You authorize MyCashBox, directly or indirectly through third parties, to make inquiries

2 we deem necessary to authenticate your identity. This may include asking you for further information or documentation including the provision of identification cards or certificates to operate business, requiring you to take steps to confirm ownership of your address or mobile phone number, verifying your information against third party databases or through other sources. d. Report Authorization. If you open your MyCashBox, you are providing MyCashBox with your written instructions and authorization in accordance with any applicable law to obtain your personal and/or business report from any government agency. e. Updates to Information. MyCashBox will not update any information on your MyCashBox. The responsibility of updating information on your MyCashBox lies on you, the user. MyCashBox Ownership You must be the only owner of your MyCashBox and conduct business only on behalf of yourself. You cannot share your MyCashBox with another user. Payment/Cash Transfers When you make a payment or transfer cash, MyCashBox will fund your transaction from your MyCashBox and where fees are applicable, it will be charged to your MyCashBox balance. Schedule Payments/Cash Transfers A Schedule Payment or cash transfer is where you set your MyCashBox to make automatic payments or cash transfers to selected users on regular basis. Schedule Payments are ideal for recurring payments such as utilities. You are notified anytime a schedule payment is made. Stop Scheduled Payment/Cash Transfers You may stop a Schedule Payment or Cash Send at any time. To stop such transactions, access your MyCashBox, click banking and select Schedule Payments from the list. Click the Schedule Payment you want to stop, select cancel and enter your PIN to permanently stop it. You can also select block if you do not wish to permanently cancel the schedule transaction and unblock whenever you want to resume. Limits On Transactions Transaction limits maybe imposed by the Bank of Ghana and may include but not limited to the following: How much you can keep in your MyCashBox as balance, How much you can spend in a day and How much you can spend in a month For more information on transaction limits, refer to the fees and charges page Ability to Receive Payment/Sending Cash Once you sign up to create your MyCashBox, you can receive payments and cash transfers instantly. However, you will not be able to pay or send cash until your sign-up is verified by any of our Partners. Liability for Invalidated Payments When you receive a payment, you are liable to MyCashBox for only the full amount of the payment sent to you if the payment is later invalidated by the sender for any reason. This means that your liability is limited only to the payment received.

3 You agree to allow MyCashBox to recover any amounts due by debiting your MyCashBox. If there are insufficient funds in your MyCashBox to cover your liability, you must reimburse MyCashBox through other means. If a sender files a Chargeback, MyCashBox will refer the case to an alternative dispute resolution organisation to determine who wins the Chargeback. Extra Charge As a MyCashBox Merchant, you agree that you will not impose an extra charge or any other fee for accepting MyCashBox as a payment method. Non-Personal Payments If you sign-up as a merchant, you can only receive payments into your merchant MyCashBox. You cannot ask the buyer to pay into your personal or a Subscriber MyCashBox you may be operating personally. Your MyCashBox Balance If you hold a balance, MyCashBox will hold your funds in pooled accounts managed by our bank Partners and separate from MyCashBox corporate accounts. MyCashBox has no access to these accounts and MyCashBox cannot use your funds for its operating expenses or for any other corporate purposes. You will receive monthly interest on your balance and the rate will be determined by MyCashBox and its bank partners. Negative MyCashBox Balance Apart from our Partners and Agents in the banking, finance and insurance industry, no MyCashBox user group can have a negative balance MyCashBox. Funding Fees Funding your MyCashBox from our partners or via the MyCashBox cash voucher does not attract fees. However, when funding is conducted at an agent or an exchanger, the Subscriber may be charged fees. Withdrawal Fees When withdrawing from your MyCashBox, you will be charged a fee. The fees may vary depending on the agent type you are withdrawing from. That is a Partner or an Agent or an Exchanger. Closing Your MyCashBox You may close your MyCashBox at any time by sending us an indicating your wish to close your MyCashBox. Upon closure, your information will remain on our system for some time. Limitations on Closing Your MyCashBox You may not escape an investigation by closing your MyCashBox. If you close your MyCashBox while we are conducting an investigation, we may hold your funds to protect MyCashBox, Titan PS, its users and third parties against the risk of Chargebacks and other liabilities. You will remain liable for all obligations related to your MyCashBox even after the closure.

4 Unapproved Transactions and Errors An Unapproved Transaction occurs when a payment is sent from your MyCashBox that you did not send or authorize. An example is when your password and or PIN is stolen and used to access your MyCashBox and send a payment which is confirmed with your PIN. An Error occurs when a payment is sent to the wrong person. When you receive notification for a transaction you did not perform, (be sure it is not a payment or cash transfer you have scheduled), notify MyCashBox immediately via: Sms to 1942(all subscribers) to MyCashBox messaging channel- login and go to message, select Fraud transactions. Responsibility for Unapproved Transactions and Errors When an Unapproved Transaction or an Error occurs in your MyCashBox, MyCashBox will not be held liable. The responsibility lies with the user. What You Should Do When Unapproved Transactions or Errors Occurs Change your User Password and PIN: Log into your MyCashBox, click Personal on the main Menu bar, select Password under settings and change them. Notifying MyCashBox: You should immediately notify MyCashBox via any of the channels provided above if you have cause to believe that there has been an Unapproved Transaction or Unapproved access to your MyCashBox. Where you suspect there is an Error in your MyCashBox payment history (you can access your MyCashBox history by logging into your MyCashBox and clicking on Bank in the main Menu and clicking the MyCashBox to show all the history. You should regularly access your MyCashBox and review your transaction history to ensure that there has not been an Unapproved Transaction or Error. MyCashBox may also send an to the address you have provided and sms to the phone number you have provided in order to notify you of each transaction from your MyCashBox. You should also review these transaction confirmations to ensure that each transaction was approved and is accurate. What We Will Do After Your Report Once you notify us of any suspected Unapproved Transaction or Error, or we otherwise learn of one, we will initiate an investigation to determine whether there has been an Unapproved Transaction or Error in your MyCashBox payment history. Investigations will take up to 15 business days starting from the date we received your notification regarding suspected Unapproved Transactions or Errors. For point of sale transactions, investigations will take up to 30 business days to complete. If we determine that there was an Unapproved Transaction and the perpetuator has funds in his/her MyCashBox, we will debit the perpetuators MyCashBox and Credit your MyCashBox with the Whole amount. If the perpetuator has no funds in his/her MyCashBox, the loss of funds will be yours. In both cases, we will refer the matter to the police. If an Error occurs in our systems and you lose funds from your MyCashBox, we will promptly credit the full amount to your MyCashBox within 5 business day of our determination. We will certainly rectify any Error that we discover.

5 If we find that there was not an Unapproved Transaction or Error, we will include an explanation of our findings in our to you. Your Errors If you erroneously make a payment or send money to the wrong party, or make a payment or send money for the wrong amount, your only remedy will be to contact the party to whom you sent the payment and ask them to refund the payment. MyCashBox will not reimburse you or reverse a payment that you have made in error. Warranties and Liability To the maximum extent permitted by applicable law in Ghana, our Electronic and mobile payment and cash transfer services platform is provided "as is" and Titan PS and MyCashBox and its Partners disclaim all warranties, either express or implied, including, but not limited to, implied warranties of merchant ability and fitness for a particular purpose. To the maximum extent permitted by applicable law, in no event shall Titan PS and MyCashBox and its Partners, be liable for any special, incidental, indirect, or consequential damages whatsoever (including, without limitation, to damages for loss of business profits, business interruption, loss of business information, or any other pecuniary loss) arising out of the USE of or inability to USE our platform, even if you have been advised of the possibility of such damages. Responsibilities and disclaimers The Titan PS and MyCashBox cannot be held responsible for damages in computer systems, equipment, mobile phones and other hardware or software as a consequence of the USE of our platform.