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Emoney
Emoney

អំពីមកយើងខ្ញំុ

លក្ខខណ្ឌ ក្រុមហ៊ុន

<p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:red">eMoney wallet customer&#39;s Terms</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">EMONEY CUSTOMER TERMS AND CONDITIONS:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">The eMoney terms and condition which is an integral part of eMoney</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">service Agreement (hereinafter referred as to &ldquo;Agreement&rdquo;) sets out</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">the rights and duties of E-Money Payment Solutions PLC. (hereinafter</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">referred as to &ldquo;eMoney&rdquo;) and the Customer in relation to eMoney</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">service.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">DEFINITION</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;Customer&rdquo; means every person whose name in an eMoney account is</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">registered in connection with the use of eMoney services;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;Recipient&rdquo; means every person who entitles to receive money from</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">the customer by using the eMoney service.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;Agent&rdquo; means personnel or an entity registered with and approved by</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">eMoney Payment Solutions under the law of Kingdom of Cambodia,</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">who has full functions of undertaking eMoney services under Scope of</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Agent&rsquo;s operations to Customer (end users);</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;Idle Account&rdquo;: Account that doesn&rsquo;t have any transaction on</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">changing balance continuously within six (06) months or more.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;Dormant Account&rdquo;: Account that doesn&rsquo;t have any transaction on</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">changing balance continuously from more than 12 months.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;Freezing Account&rdquo; refer to amount which locked for do any</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">transaction by uncertified about the purpose of receiving, and got</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">request from Sender to cancel, while cannot contact to receiver to</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">confirm about it.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;eMoney Services&rdquo;: refer to the payment services of the Company</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">allowing customers to conduct the financial transactions (including but</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">not limited to money transfer, bill payment, top-up,&hellip;) on the POS,</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">mobile phones, ATM,&hellip;.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;eMoney Account&rdquo; or &ldquo;eMoney Wallet&rdquo;: means your available balance</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">of funds recorded on eMoney&rsquo;s systems.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;eMoney Account Number&rdquo;: means the 8- or 9-digits number issued by</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY and register on eMoney system. Each eMoney Account</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Number will be match to mobile phone number that you use to register</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">eMoney Account.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;eMoney service agreement&rdquo; means the agreement which is binding</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">eMoney and Customer who acquire the eMoney service;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;eMoney PIN&rdquo; means the Personal Identification Number chosen by the</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Customer.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;Private code&rdquo; is the secret code send to sender (sender inform to</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">recipient) to withdraw cash from the eMoney Agent.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;Call Centre means&rdquo; the eMoney Customer Care Centre.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&ldquo;You&rdquo; and &ldquo;your&rdquo; means the subscriber of the eMoney Payment</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Services.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">What are EMONEY Payment Services?</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">eMoney Payment Services are mobile phone enabled payment services</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">offered by eMoney which allow you to carry out transfers, deposits,</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">withdrawals, bill payments, mobile airtime top up, account balance</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">enquiries and other enquires and transactions within Cambodia</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">(&ldquo;eMoney Payment Services&rdquo;). By subscribing to these services, you</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">authorize eMoney to deposit your funds (the current balance of which</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">is shown in your eMoney Account) into a Bank Account.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">2. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">How do these Terms and Conditions apply?</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">These Terms and Conditions govern the operation of the EMONEY</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Payment Services. It is important that you read and understand these</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Terms and Conditions. Please contact EMONEY if you do not</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">understand, or are unsure about any aspect of these Terms and</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Conditions.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">3. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">When do these Terms and Conditions take effect?</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">When you first access your EMONEY Account, you will be required to</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">accept these Terms and Conditions, following these Terms and</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Conditions will constitute a legally binding agreement between you and us.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">4. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Eligibility for EMONEY Payment Services</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You may subscribe for the EMONEY Payment Services if:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">(a) you are:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">an individual over eighteen years of age; or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">an individual under eighteen years of age and you have provided</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY with proof of consent from your legal guardian permitting</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">you to subscribe for the EMONEY Payment Services;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">(b) you meet EMONEY&rsquo;s customer identification and verification</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">requirements</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">5. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Authority</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You acknowledged and agreed that use of the EMONEY Payment</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Services, together with your EMONEY Account Number as the case</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">may be depending on the transaction in question provides sufficient</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">authority for us to process transactions on your EMONEY Account. We</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">may act on this authority and will not be liable for any Loss suffered</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">by you resulting from us acting on this authority and we are not</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">required to make further enquiries.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">6. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Fees and Charges</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY may charge fees and charges for your use of the EMONEY</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Payment Services and EMONEY Agents may charge fees and charges</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">in connection with EMONEY Payment Services they facilitate. Details</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">of such fees and charges will be provided to you on registration and</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">are available at EMONEY Agent. These fees and charges may include</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">government taxes and charges as applicable.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You agreed to pay these fees and charges and agreed that EMONEY</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">may deduct these fees and charges directly from the Deposit Funds in</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">your eMoney Wallet.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">7. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Interest</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">No interest will be paid to you on the eMoney Account.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">8. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Operation and Details of the EMONEY Payment Services</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">8.1 Customer can use eMoney Services to do transaction such</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Payment, Transfer, &hellip; via:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">(a) USSD: *868# then follow the Menu (Apply for Metfone Subscribers</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">only).</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">(b) eMoney Application: customer can download eMoney app on Play</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Store or App Store to using eMoney services.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">8.2 Information about your funds</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You may:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">a. check the current balance of your funds recorded in your EMONEY</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Account by using your eMoney&rsquo;s App; or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">b. USSD: *868# ( apply for Metfone subscribers only).</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You may also contact the EMONEY Contact Centre (0236 868 868 or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">868) to receive information about your funds verbally.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">The balance recorded in your EMONEY Account will be the current</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">balance as at the time you make the enquiry. However, there may be</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">circumstances, for example, systems failures and technical difficulties,</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">which mean that your EMONEY Account balance information is not</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">reported on a real time basis.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">8.3 Idle Account &amp; Dormant Account</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">If you don&rsquo;t have any transaction on changing balance continuously</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">within six (06) months or more, your account will be considered as </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">&ldquo;Idle</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Account&rdquo;</span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">. In this case, eMoney may charge the monthly maintenance</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">fee $0.85 per month from the following month after your account</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">became &ldquo;Idle Account&rdquo;. And this this period, your account still can do</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">any transaction normally.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">After IDLE status, and your account still don&rsquo;t have any transaction on</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">changing balance continuously from more than 06 (six) months (Total</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">12 twelve months from the last changing balance transaction). Your</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">account will be considered as &ldquo;</span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Dormant Account</span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">&rdquo;. And your account</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">will cannot do any transaction.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Note: </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">when your eMoney Amount is Zero (0), eMoney will not charge</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">maintenance fee any more.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">9. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Processing Instructions and Limits</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY is under no obligation to accept any instructions (including</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">instructions in relation to transfers, withdrawals and other</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">transactions relating to your EMONEY Account) and may, in its</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">absolute discretion, accept or act on (or decline to accept or act on)</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">any instruction. EMONEY is not required to, and does not, check that</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">the details provided by you and/or received by EMONEY are correct.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY is not responsible for any inaccuracy in instructions given by</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">you and/or received by EMONEY and EMONEY is not liable to you for</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">any Loss suffered by you arising from such inaccuracy in instructions.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY reserves the rights to pay transactions presented for</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">payment in any order that EMONEY chooses. Where the transactions</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">presented for payment exceed the balance recorded in your EMONEY</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Account, such instruction will not be acted upon by EMONEY.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY will not partially pay a payment.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">An instruction given by you through using the EMONEY Payment</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Services cannot be cancelled, altered or changed.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Generally, all value transactions made via the EMONEY Payment</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Services (for example a withdrawal, deposit or transfer) will be</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">processed in real time, and will be issued with an electronic receipt by</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY via Short Message Service (SMS) or Notification. However, as</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">noted in clause 8.2, there may be circumstances which mean that your</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY Account balance information is not reported, and/or receipts</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">may not be issued by SMS, on a real time basis.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">If you conduct a transaction at an EMONEY Agent, you also have the</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">rights to ask the EMONEY Agents for a written receipt. It is your</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">responsibility to retain this transaction receipt with other details for</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">any future reference.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY may also impose limits on the amount of funds that will be</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">made available for certain transactions conducted through the</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY Payment Services, or limits on the total amount of funds</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">that may be deposited by you over any specified period of time. Details</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">of these limits are specified in your EMONEY and may be amended</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">from time to time by EMONEY.</span></span></span></span></span></p> <p>&nbsp;</p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">10. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Your Relationship with eMoney</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Your Funds will be deposited by EMONEY into your Account. eMoney</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">will recognize you as a customer having a deposit with eMoney equal</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">to the balance of your EMONEY Account. However, you have no legal</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">or beneficial interest in your Account and only EMONEY may issue</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">instruction relation to your Account, including in relation to transfers,</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">deposits, withdrawals, account balance enquiries and other enquires</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">and transactions on your Account. eMoney will guarantee and pay to</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">you the balance of your EMONEY Account if EMONEY becomes</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">insolvent, to the extent that your claim is satisfied from the proceeds</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">of liquidation.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">11. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Privacy and Confidentiality</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY is collecting your personal information, instructions and</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">transaction details on your EMONEY Account (collectively referred to</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">as &ldquo;Information&rdquo;) to enable EMONEY to provide the EMONEY Payment</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Services to you. Without this Information, EMONEY may not be able</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">to provide you with such services.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">By subscribing and utilizing the EMONEY Payment Services, you agree</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">that EMONEY may use and disclose your Information to:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">a. any service provider engaged by EMONEY to carry out or assist its</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">functions and activities;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">b. to EMONEY&rsquo;s agents, contractors, advisers and to other persons</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">authorized or required by law to disclose Information to;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">c. to EMONEY&rsquo;s parent company and subsidiaries for internal</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">administrative and operational purposes or to any service providers</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">engaged by them;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">d. the Bank to enable the Bank to hold your funds and carry out its</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">banking operations;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">e. the Bank&rsquo;s parent company or subsidiaries for internal administrative</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">and operational purposes or to any service providers engaged by them.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You authorize these people to have access to your Information to the</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">extent permitted above.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY and the Bank may also use your Information to help them</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">plan, research, market and promote their products and services.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">12. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Anti-Money Laundering and Sanctions</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You agreed that EMONEY may delay, block or refuse to process any</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">transaction without incurring any liability if EMONEY suspects that:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">a. the transaction may breach any law in Cambodia or any other country;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">b. the transaction may directly or indirectly involve the proceeds of, or be</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">applied for the purposes of, unlawful conduct.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You agreed to provide all information to EMONEY which EMONEY</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">reasonably requires in order to manage money-laundering or terrorism</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">financing risk or to comply with any laws in Cambodia or any other</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">country and you agreed that EMONEY may disclose any information</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">concerning you, your transactions and your EMONEY Account to the</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Bank in which your funds are deposited, any law enforcement,</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">regulatory agency or court where required by any such law, in</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Cambodia or elsewhere.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You declare and undertake to EMONEY that the acceptance and/or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">payment of money by EMONEY in accordance with your instructions</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">will not breach any laws in Cambodia or any other country.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">13. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Security</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">13.1 Cancellation of Account or Electronic Access</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">If you have been issued with a Card by EMONEY, EMONEY may cancel</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">or limit your Card, or electronic access through authorized ATMs</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">without prior notice and without any liability if:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">a. EMONEY suspects that use of your Card, or electronic access may</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">cause Loss to you or to EMONEY;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">b. EMONEY suspects you of being fraudulent or engaging in</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">inappropriate behavior;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">c. Your EMONEY Account which the Card may access has been closed;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">d. EMONEY&rsquo;s systems or equipment malfunctions or are otherwise</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">unavailable for use;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">e. EMONEY believes that the security of your electronic access or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY&rsquo;s systems and equipment may have been compromised; or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">f. EMONEY is required to do so by law.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">13.2 Protect PIN and Private code</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You must be responsibility for keeping your PIN and Private Code</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">confidential and shall notify eMoney immediately upon learning of any</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">unauthorized use of its PIN and Private Code. You will be liable for any</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Loss suffered by you resulting from your failure to do so.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">13.3 EMONEY CARD</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">If you have been issued with Card by EMONEY, then you must also</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">keep your Card and security code confidential and secure. You will be</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">liable for any Loss suffered by you resulting from your failure to do so.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You must:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">a. In case your card is stolen, lost, damaged, please come to renew the</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">card with our eMoney premise</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">b. not let anyone use your EMONEY Card Number and PIN.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">c. not allow any other person to see you entering your account number</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">and pin at all the time</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">d. not use Phone Device which is jailbreak or root device with EMONEY</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">App</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">14. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Liability</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You are liable for all transactions conducted when you utilize the</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY Payment Services, except where there has been fraud or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">negligence by EMONEY, its employees, or agents or any mobile</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">network operators which have registered with EMONEY.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">15. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Discrepancies / Errors, Questions and Complaints</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Please contact EMONEY&rsquo;s Contact Centre (0236 868 868 or 868) if</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">you believe that a discrepancy or error has occurred in any transaction,</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">or if you have any questions or complaints.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">To assist with EMONEY&rsquo;s investigations, you will need to provide the</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">following information:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">a. your name and phone number which use to register EMONEY Acco;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">b. details of the transaction in question; and</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">c. the amount of the suspected error or disputed transaction.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY will not be responsible for any Loss suffered by you if you do</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">not request EMONEY to dispute the transaction within 30 days.</span></span></span></span></span></p> <p>&nbsp;</p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">16. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Notices and Changes to Fees and Charges, Terms and Conditions</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY may change these Terms and Conditions, and Fees and</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Charges at any time. EMONEY will give you at least 30 days&rsquo; notice of</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">any change before it takes effect by:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">a. notice displayed on EMONEY&rsquo;s website at www.emoney.com.kh or by</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">advertisement in major daily or national newspapers; or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">b. contacting you on your mobile phone via SMS notification or electronic</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">notices generated within the EMONEY menu system.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY may also use the methods outlined above as a means of</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">providing you notices.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">17. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Change in Details</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You must notify EMONEY immediately if there is any change in your</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">personal details which you have previously provided to EMONEY for</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">the purposes of subscribing to and utilizing the EMONEY Payment</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Services. EMONEY will not be responsible or liable for any errors or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Losses suffered by you associated with the changes where EMONEY</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">has not received prior notice.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">18. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Disruption to Service</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You agreed that EMONEY will not be liable for any Loss suffered by</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">you where the service is temporarily unavailable or where a system or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">equipment fails to function in a normal or satisfactory manner,</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">regardless of how this may have been caused.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">19. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Currency</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You agreed to use EMONEY&rsquo;s nominated exchange rates whenever you</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">transact in a currency other than your nominated currency.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">20. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Amounts Owing</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You agreed that EMONEY may deduct from the eMoney Account any</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">amount you owe to EMONEY.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">21. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Suspension or Termination</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">21.1 By You</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You may terminate your access to the EMONEY Payment Services</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">(which includes the closure of your EMONEY Account) at any time by</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">giving written notice to EMONEY or by contacting EMONEY&rsquo;s Call</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Centre (0236 868 868 or 868).</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">21.2 By EMONEY</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">If there is a zero (0) balance recorded on your EMONEY Account, and</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">you have not utilized the EMONEY Payment Services continuously for</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">6 (six)month, then EMONEY may, at its discretion, suspend or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">terminate your access to the EMONEY Payment Services and close</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">your EMONEY Account.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY may also exercise its discretion to suspend or terminate your</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">access to the EMONEY Payment Services and close your EMONEY</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Account for whatever reason including but not limited to,</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">unsatisfactory conduct or where required by law or for any other</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">reason EMONEY considers appropriate.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">In the event that EMONEY exercises its rights contemplated in this</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">clause, EMONEY will promptly inform you but need not notify you in</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">advance and EMONEY shall not be responsible or liable for any Loss</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">which you may suffer as a result.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">21.3 What happens if Termination occurs</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">If your access to the EMONEY Payment Services has been terminated</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">(including as a result of the closure of your EMONEY Account),</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY will arrange payment of the balance of funds recorded on</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">your EMONEY Account at the closing date to you at the address</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">shown in its records. In the event that EMONEY is unable to contact</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">you at your address shown in its records to arrange payment,</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY will use reasonable endeavors to arrange payment to you by</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">other means.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">22. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Indemnity</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You agreed to indemnify EMONEY against any Loss that EMONEY</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">may suffer arising directly or indirectly because you:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">a. did not observe your obligations under these Terms and Conditions; or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">b. acted negligently or fraudulently in connection with your use of the</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY Payment Services, including your access and operation of</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">your EMONEY Account.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You voluntarily agreed to assume the risk of all Losses for which you</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">are or may be liable under these Terms and Conditions.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You authorize Company to deduct or add to the balance standing in</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">your existing eMoney account without notice for the following reason:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">a. any amount that is or may become owing by you to the Company and</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">vice versa pursuant to this customer term and conditions;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">b. all fines, penalties or other charges incurred by Company as a result of</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">any act of fraud or omission by you;</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">c. any amount that transfer into your existing eMoney&rsquo;s account due to</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">system or human error.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">23. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Assignment</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY may, without telling you or obtaining your consent assign or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">transfer all or any part of its rights and obligations under this</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">agreement to any third party. You agreed to do any act or execute any</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">document as EMONEY may direct to affect any assignment or transfer</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">contemplated by this clause.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">24. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Governing Law</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">These Terms and Conditions are governed by the laws of Cambodia.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">25. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Language</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">These Terms and Conditions have been prepared in English. In the</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">event of any inconsistency between the original English version and</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">any translation, the English version shall govern.</span></span></span></span></span></p> <p>&nbsp;</p> <p>&nbsp;</p> <p>&nbsp;</p> <p>&nbsp;</p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:red">NON-EMONEY CUSTOMER TERMS AND CONDITIONS:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">DEFINITION</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1.1. &ldquo;EMONEY&rdquo;, &ldquo;We&rdquo; and &ldquo;Us&rdquo; means E-MONEY PAYMENT SOLUTIONS Company.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1.2. &ldquo;Non-eMoney Customer&rdquo; mean the Customer who use eMoney&rsquo;s service and product</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">without having eMoney&rsquo;s wallet.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1.3. &ldquo;Sender&rdquo; means a person who wishes/wants to send the money via using EMONEY Agent</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Channel to the person that they want to send.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1.4. &ldquo;Recipient&rdquo; means every person who entitles to receive money from the sender by using the</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">eMoney service.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1.5. &ldquo;Agent&rdquo; means personnel or an entity registered with and approved by eMoney Payment</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Solutions under the law of Kingdom of Cambodia, who has full functions of undertaking eMoney</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">services under Scope of Agent&rsquo;s operations to Customer (end users);</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1.6. &ldquo;eMoney Services&rdquo;: refer to the payment services of the Company allowing customers to</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">conduct the financial transactions (including but not limited to money transfer, bill payment, topup,&hellip;)</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">on the POS, mobile phones, ATM,&hellip;.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1.7. &ldquo;SLA&rdquo; mean Service Level Agreement define a period of time.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1.8. &ldquo;Private code&rdquo; is the secret code send to sender (sender inform to recipient) to withdraw</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">cash from the eMoney agent.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1.9. &ldquo;Call Centre&rdquo; means the eMoney Customer Care Centre.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1.10. &ldquo;AML&rdquo; mean Anti Money Laundering</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1.13. &ldquo;CFT&rdquo; mean Combating Financial Terrorism.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">2. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">WHAT IS EMONEY AGENT PAYMENT GATEWAY?</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY Agent Payment Gateway refers to POS Terminal Machine and EMONEY Agent App that</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">enable all products and services offered by EMONEY to proceed the transaction pass through</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">based on the user request. Via this payment channel, it will allow you to be able to carry out</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY&rsquo;s products and services such as: remittance, cash in, cash out, bill payment, mobile</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">phone top up, remittance, account balance enquiries, and other EMONEY&rsquo;s new products and</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">services that might be updated from time to time.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">3. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">HOW DO THESE TERMS AND CONDITIONS APPLY?</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">These Terms and Conditions will be used to govern the operation of the EMONEY&rsquo;s remittance</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">service. It is important for you to read and understand these Terms and Conditions. Please</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">contact EMONEY Care Center if you do not understand, or are unsure about any aspect of these</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Terms and Conditions. Our Care Center Contact Number: 0236 868 868 or 868.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">4. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">WHEN DO THESE TERMS AND CONDITIONS TAKE EFFECT?</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">When you firstly use EMONEY&rsquo;s products and services, you will be required to accept these Terms</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">and Conditions, these Terms and Conditions will represent the official acknowledgment and</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">consent from you.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">5. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">AUTHORITY</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You acknowledged and agreed that the using of the EMONEY&rsquo;s Products and Services as the case</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">may be depending on the transaction in question provides sufficient authority for us to process</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">your transactions. We may act on this authority and will not be liable for any Loss suffered by you</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">resulting from us acting on this authority and we are not required to make further enquiries.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">6. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Processing Instructions</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">All transactions will be automatically performed and proceeded in order through EMONEY&rsquo;s</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">system. Any transaction proceeds by EMONEY Agent through the EMONEY Agent Payment</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Gateway (POS Machine and Agent App) cannot be cancelled, altered or changed by you.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Generally, all value transactions made via the EMONEY Payment channel done by EMONEY</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">Agent will be processed in real time, and will be issued with a receipt or SMS notification to you.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You have to responsible for retaining this transaction receipt and SMS notification for future</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">reference.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">7. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Fees and Charges</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY Agent may charge fee from you as the facilitated fee when you ask him/her to perform</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">any services that available in EMONEY Payment Channel. The fee charge will be based on the fee</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">structure which was set by EMONEY as defined in public on web site: </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#dc1a21">www.emoney.com.kh </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">or you</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">can find such fees and charges at EMONEY Agent. These fees and charges may include</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">government taxes. You agreed to pay these fees and charges.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">8. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Remittance SLA Setting and Fee for Non-Cash Out Remittance</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">In order to provide the good facilitation to you and also to have a good management on</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY&rsquo;s remittance service, EMONEY has set 3 levels of SLA. These 3 levels of SLA will provide</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">you a suitable long period in performing cash out from your private codes by following the below</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">terms:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1. First SLA has period of 30 days counting from the date of remittance transaction. You could cash</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">out from any eMoney&rsquo;s agent nationwide.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">2. Second SLA has period of 180 days counting from the date of remittance transaction. For cash</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">out you could contact eMoney&rsquo;s care center contact number: 0236 868 868 or 868.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">3. Third SLA has period over 180 days counting from the date of remittance transaction. For cash</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">out you could contact eMoney&rsquo;s care center contact number: 0236 868 868 or 868. However, in</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">this case, EMONEY will start to charge you for non-eMoney cash out remittance as the monthly</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">maintenance fee. The charging fee is $1 per month for one private code. The time of charging fee</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">will start counting from the following month after the second SLA was over.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Example: </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You perform remittance transaction of 100 USD on 13 Apr 2019, so you have 3 levels of</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">SLA to perform cash out as below details:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">1. The first SLA will be available till 12 May 2019, you still can cash out 100USD and</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">2. Second level last from 13 May to 14 Nov 2019, you still have a chance to cash out full of 100USD,</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">while you need to contact to Call Center.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">3. Third level will start from 15 Nov 2019. However, eMoney will start to charge maintenance fee from</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">01 Dec 2019. So, if you cash out during Dec 2019, you can cash out only 99 USD.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">9. </span></span></span><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:black">Anti-Money Laundering and Sanctions</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You agreed that EMONEY may delay, block or refuse to process any transaction without incurring</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">any liability if EMONEY suspects that:</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">a. the transaction may breach or contrast with any regulation and/or law in Cambodia or any other</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">countries; or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">b. the transaction may directly or indirectly involve the proceeds of, or be applied for the purposes</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">of, unlawful conduct.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You agreed to provide all information to EMONEY which EMONEY reasonably requires in order to</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">manage money-laundering or terrorism financing risk or to comply with any laws in Cambodia or</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">any other countries and you agreed that EMONEY may disclose any information concerning you</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">and your transactions to regulatory agency or court where required by any such law, in Cambodia</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">or elsewhere.</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">You declare and undertake to EMONEY that the acceptance and/or payment of money by</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">EMONEY in accordance with your instructions will not breach any laws in Cambodia or any other</span></span></span></span></span></p> <p><span style="font-size:11pt"><span style="font-family:Calibri,sans-serif"><span style="font-size:9.0pt"><span style="font-family:&quot;Times New Roman&quot;,&quot;serif&quot;"><span style="color:#333333">countries.</span></span></span></span></span></p>