DECLARATION;

• I REPRESENT AND WARRANT THAT ALL INFORMATION (INCLUDING ANY DOCUMENTS) I HAVE GIVEN TO MICRO CAPITALS BANK IN CONNECTION WITH THE APPLICATION IS CORRECT, COMPLETE AND NOT MISLEADING. (IF THIS IS NOT THE CASE, I MAY BE PERSONALLY LIABLE);
• I AUTHORIZE MICRO CAPITALS BANK TO VERIFY ANY OF THE INFORMATION I HAVE GIVEN MICRO CAPITALS BANK OR MY CREDIT STANDING FROM ANYONE MICRO CAPITALS BANK MAY CONSIDER APPROPRIATE (SUCH AS AN AUTHORITY OR CREDIT REFERENCE AGENCY);
• I ACKNOWLEDGE THAT MICRO CAPITALS BANK WILL PERFORM DUE DILIGENCE AND ANTI-MONEY LAUNDERING CHECKS PRIOR TO OPENING ANY ACCOUNT.
• I ACKNOWLEDGE THAT MICRO CAPITALS BANK MAY DECLINE MY APPLICATION WITHOUT GIVING ME ANY REASON FOR DOING SO. IF THIS HAPPENS, NO CONTRACTUAL RELATIONSHIP ARISES BETWEEN ME OR MICRO CAPITALS BANK ;
• I CONFIRM AND AGREE THAT MICRO CAPITALS BANK MAY GIVE ANY INFORMATION IN CONNECTION WITH THIS APPLICATION (INCLUDING MY PERSONAL INFORMATION) TO ANY SERVICE PROVIDER FOR THE PURPOSES OF PROVIDING ANY SERVICE TO ME IN CONNECTION WITH THIS APPLICATION (INCLUDING DATA PROCESSING);
• I UNDERSTAND THAT BY ENTERING INTO OUR BANKING AGREEMENT I GIVE INDEMNITIES, AUTHORIZATIONS, CONSENTS AND WAIVERS AND AGREE TO LIMITATIONS ON OUR LIABILITY;
• I CONSENT TO MICRO CAPITALS BANK CONTACTING ME AT THE ADDRESS, EMAIL ADDRESS AND TELEPHONE NUMBERS I HAVE PROVIDED TO MICRO CAPITALS BANK, TO GIVE ME INFORMATION ON OTHER PRODUCTS AND SERVICES THAT MICRO CAPITALS BANK, OR OUR STRATEGIC PARTNERS MAY OFFER;
• IF I AM APPLYING FOR AN ACCOUNT, I CONFIRM THAT I HAVE READ AND UNDERSTOOD THE TERMS AND CONDITIONS GOVERNING THE OPENING, OPERATION AND CLOSURE OF THE ACCOUNTS WITH MICRO CAPITALS BANK AS PUBLISHED ON WEBSITE.
• I ACKNOWLEDGE THAT I HAVE UNDERSTOOD AND CLARIFIED TYPE OF TRANSACTIONS I AM ABLE TO EXECUTE, THE TYPE OF FACILITIES PROVIDED BY MICRO CAPITALS BANK BEFORE SIGNING THIS APPLICATION.
• I AGREE THAT THE ACCOUNT OPENING FEES ARE NON-REFUNDABLE ONCE PAID.
• I AUTHORISE THE BANK TO REVIEW THE ACCOUNT(S) AND TRANSACTIONS FROM TIME TO TIME AND AGREE TO PROVIDE FURTHER DOCUMENTS AND CLARIFICATION UPON REQUEST. FAILURE TO PROVIDE SUCH DOCUMENTS AND CLARIFICATIONS MAY RESULT IN CLOSURE OF THE ACCOUNT(S) WITHOUT ANY NOTICE.
• I AGREE TO PROVIDE EVIDENCE TO SUPPORT INWARD AND OUTWARDS REMITTANCES AS AND WHEN REQUIRED BY THE BANK. DECLARATION OF ACCEPTANCE:I DECLARE THAT THE PARTICULARS GIVEN BY ME/ US ARE TRUE. I CONFIRM THAT I HAVE READ THE TERMS AND CONDITIONS GOVERNING THE OPENING, OPERATION AND CLOSURE OF THE ACCOUNTS WITH MICRO CAPITALS BANK AS PUBLISHED ON WEBSITE AND AGREE TO BE BOUND BY THEM. (A) CURRENT ACCOUNT MANDATE I HEREBY AUTHORISE AND REQUEST MICRO CAPITALS BANK TO: 1. OPEN A CURRENT ACCOUNT IN MY/OUR NAME AND AT ANY TIME SUBSEQUENTLY, TO OPEN FURTHER ACCOUNTS AS I MAY DIRECT. MICRO CAPITALS BANK UNDERSTAND AND AGREE THAT MICRO CAPITALS BANK MAY AT THEIR DISCRETION AND WITHOUT GIVING ANY REASON THERETO DECLINE TO ACCEPT MY/OUR ACCOUNT APPLICATION. MICRO CAPITALS BANK ALSO UNDERSTAND THAT UNTIL SUCH TIME THAT MICRO CAPITALS BANK SHALL INFORM ME/US IN WRITING OF THE RELEVANT ACCOUNT NUMBER, NO ACCOUNT RELATIONSHIP IS ESTABLISHED WITH MICRO CAPITALS BANK. 2. HONOUR PAYMENT REQUESTS OR OTHER ORDERS WHICH MAY BE DRAWN ON THE SAID ACCOUNT PROVIDED SUCH REQUESTS OR ORDERS ARE REQUESTED BY ME/US AND TO DEBIT SUCH PAYMENTS OR ORDER TO THE SAID ACCOUNT PROVIDED SUFFICIENT FUNDS ARE AVAILABLE IN THE ACCOUNT. MICRO CAPITALS BANK AGREE; A. TO BE RESPONSIBLE FOR THE REPAYMENT OF ANY UNAUTHORISED OVERDRAFT AND TO COMPLY AND BE BOUND BY THE BANK'S RULES FOR THE CONDUCT OF A CURRENT ACCOUNT WHICH MAY BE IN FORCE FROM TIME TO TIME, AND WHERE THIS ACCOUNT IS A JOINT ACCOUNT, OUR LIABILITY HEREUNDER SHALL BE JOINT AND SEVERAL; B. TO FREE THE MICRO CAPITALS BANK FROM ANY RESPONSIBILITY FOR ANY LOSS OR DAMAGE TO FUNDS DEPOSITED WITH IT DUE TO ANY FUTURE GOVERNMENT ORDER, LAW, LEVY, TAX, EMBARGO, MORATORIUM, EXCHANGE RESTRICTION OR ANY OTHER CAUSE BEYOND OUR CONTROL, AND THAT ANY OF ALL FUNDS STANDING TO THE CREDIT OF THE ACCOUNT ARE PAYABLE TO THE MICRO CAPITALS BANK BY THE AGREED MEANS. C. TO BE BOUND BY ANY NOTIFICATION OF CHANGE IN CONDITIONS GOVERNING THE ACCOUNT DIRECTED TO MY/OUR LAST KNOWN EMAIL ADDRESS AND ANY NOTICE OR LETTER SENT TO MY/OUR LAST KNOWN EMAIL ADDRESS SHALL BE CONSIDERED AS DULY DELIVERED AND RECEIVED BY US/ME AT THE TIME IT WILL BE DELIVERED; D. THAT THE BANK MAY AT ANY TIME WITHOUT ASSIGNING ANY REASON WITH AT LEAST 10 (TEN) DAYS' NOTICE TO ME/US, CLOSE MY ACCOUNT WHETHER IT BE IN DEBIT OR CREDIT; E. THAT THE BANK WILL ACCEPT NO LIABILITY WHATSOEVER FOR FUNDS HANDED TO BANK REPRESENTATIVE OUTSIDE BANKING HOURS OR OUTSIDE OF THE BANK'S PREMISES; F. THAT THE BANK IS UNDER NO OBLIGATION TO HONOUR ANY PAYMENT REQUEST ON THIS ACCOUNT UNLESS THERE ARE SUFFICIENT FUNDS IN THE ACCOUNT TO COVER THE VALUE OF THE REQUEST AND I UNDERSTAND AND AGREE THAT ANY SUCH REQUEST MAY BE REJECTED. G. THAT I WILL MAKE ANY DISAGREEMENTS WITH ENTRIES ON MY BANK STATEMENTS KNOWN TO THE BANK WITHIN 15 DAYS OF THE TRANSACTION APPEARING ON THE ACCOUNT.FAILING RECEIPT BY THE BANK OF A NOTICE OF DISAGREEMENT OF THE ENTRIES WITHIN 15 DAYS FROM THE DAY OF TRANSACTION APPEARING ON THE ACCOUNT, IT WILL BE ASSUMED BY THE BANK THAT THE TRANSACTION IS CORRECT; H. THAT ANY SUM STANDING TO THE CREDIT OF THE CURRENT ACCOUNT SHALL BEAR NO INTEREST BUT THAT BANK IS AUTHORISED TO DEBIT FROM THE ACCOUNT THE USUAL CHARGES, COMMISSIONS AND ANY SERVICE CHARGE SET BY THE BANK FROM TIME TO TIME; I. IF THE CREDIT BALANCE ON THE ACCOUNT FALLS BELOW THE MINIMUM FUNDING LEVELS DEFINED BY THE BANK FROM TIME TO TIME, DEBIT MY/OUR ACCOUNT WITH MINIMUM FUNDING CHARGES. SUCH MINIMUM FUNDING CHARGES WILL COME INTO EFFECT AS SOON AS THE ACCOUNT STATUS BECOMES ACTIVE. J. THAT IN THE EVENT THAT THE BANK RECEIVES FROM MYSELF/US AMBIGUOUS OR CONFLICTING INSTRUCTIONS IN CONNECTION WITH THE ACCOUNT, THE BANK MAY IN ITS ABSOLUTE DISCRETION AND WITHOUT ANY LIABILITY ACT OR DECLINE TO ACT AS THE BANK THINKS FIT; K. IN THE EVENT OF DEATH OF ANY ONE OR MORE OF US, THE CREDIT BALANCE AT THAT DATE ON OUR ACCOUNT SUCH JOINT ACCOUNT SHALL BE HELD TO THE ORDER OF THE REMAINING ACCOUNT-HOLDER(S) BUT SUBJECT TO ANY CLAIM, RIGHT, LIEN, CHARGE, PLEDGE, SET-OFF,HOWSOEVER ARISING WHICH THE BANK MAY HAVE IN RESPECT OF THE LIABILITY(IES) OF ANY OF THE ACCOUNT-HOLDERS INCLUDING THE DECEASED. 3. MICRO CAPITALS BANK ALSO AGREE THAT IN ADDITION TO ANY GENERAL LIEN OR SIMILAR RIGHT TO WHICH MICRO CAPITALS BANK AS BANKERS MAY BE ENTITLED BY LAW, MICRO CAPITALS BANK MAY, AT ANY TIME WITHOUT NOTICE TOME/US, COMBINE OR CONSOLIDATE ALL OR ANY OF MY/OUR ACCOUNTS WITHOUT ANY LIABILITIES TO MICRO CAPITALS BANK AND SET-OFF OR TRANSFER ANY SUM OR SUMS STANDING TO THE CREDIT OF ANYONE OR MORE OF SUCH ACCOUNTS OR ANY OTHER CREDITS BELONGING TO ME/US WITH MICRO CAPITALS BANK IN OR TOWARDS SATISFACTION OF ANY OF MY/OUR LIABILITIES TO MICRO CAPITALS BANK OR ANY OTHER ACCOUNT OR IN ANY OTHER RESPECT WHETHER SUCH LIABILITIES BE ACTUAL OR CONTINGENT, PRIMARY OR COLLATERAL AND SEVERAL OR JOINT. 4. MICRO CAPITALS BANK ALSO AGREE TO THE STANDARDS OF CONFIDENTIALITY AND SECURITY AFFORDED TO ANY INFORMATION REGARDING ME/US AND MY/OUR ACCOUNTS AND/OR TRANSACTIONS TO BE REPOSED IN THE CREDIT DATA WAREHOUSE. MICRO CAPITALS BANK AGREE TO THE USES TO WHICH THESE ITEMS OF INFORMATION WILL BE PUT IN THE CONDUCT OF BUSINESS WITHIN THE MICRO CAPITALS BANK OR ANY OF THEIR AFFILIATES/AGENTS/ADVISERS/REGULATORS/ASSIGNEES/PARTNERS OR BY MY/OUR GUARANTOR OR THIRD PARTY SERVICE PROVIDER. 7 (B) OTHER TERMS AND CONDITIONS 1. I AGREE THAT MICRO CAPITALS BANK MAY LEAVE A MESSAGE FOR ME/US ON AN ANSWERING MACHINE OR FACSIMILES OR WITH ANY PERSON ANSWERING THE PHONE OR WITH AN AUTOMATED DIALLING SYSTEM. 3. MICRO CAPITALS BANK ARE PERMITTED TO ACT ON ANY INSTRUCTIONS GIVEN BY AN AUTHORISED PERSON PROVIDED THE SECURITY PROCEDURES ARE FOLLOWED, HOWEVER MICRO CAPITALS BANK MAY REFUSE TO ACT ON ANY INSTRUCTION IF IT IS UNCLEAR OR MIGHT BE IN BREACH OF A LAW, REGULATION OR CONTRACTUAL AGREEMENT BETWEEN MICRO CAPITALS BANK AND US. 4. MICRO CAPITALS BANK WILL NOT BE LIABLE TO ME/US FOR ANY LOSS, INDIRECT OR CONSEQUENTIAL, INCURRED BY NOT ACTING ON MY/OUR INSTRUCTIONS, SUCH FAILURE BEING CAUSED BY FORCE MAJEURE, ACTS BEYOND OUR REASONABLE CONTROL. 5. MICRO CAPITALS BANK SHALL GIVE NOTICE OF ANY VARIATION IN OPERATION, FEATURES, TERMS AND CONDITIONS OF THE SERVICE AND THE TIMES THE SERVICE WILL BE AVAILABLE. 6. I AGREE TO INDEMNIFY MICRO CAPITALS BANK AGAINST ANY LOSS, DAMAGE OR LIABILITY WHICH MIGHT OCCUR AS A RESULT OF NON-COMPLIANCE WITH THE ABOVE AND I SHALL BE SOLELY OR JOINTLY LIABLE FOR ANY NEGLIGENCE, MISUSE, DISHONESTY OR UNLAWFUL USE WHATSOEVER OF THE SERVICE PROVIDED HEREWITH. 16.MICRO CAPITALS BANK AGREE TO THE USE AND DISCLOSURE OF MY/OUR INFORMATION AS SET OUT IN THIS NOTIFICATION. 7. I ACCEPT THAT DEPOSITS AND THEIR PAYMENTS ARE GOVERNED BY LAWS IN EFFECT FROM TIME TO TIME IN THE APPLICABLE JURISDICTION. 8. I ACKNOWLEDGE THAT ALL TRANSACTIONS CAN ONLY BE EXECUTED ON LINE BY LOGGING ON TO THE ONLINE BANKING. (C) DISCLOSURE POLICY THE CUSTOMER HEREBY CONSENTS TO THE DISCLOSURE BY THE BANK AND/ OR ANY OF ITS OFFICERS OR EMPLOYEES FOR ANY PURPOSE OF ANY INFORMATION CONCERNING THE CUSTOMER INCLUDING WITHOUT LIMITATION, INFORMATION RELATING TO ITS BUSINESS, ITS ACCOUNTS HELD WITH THE BANK OR ANOTHER GROUP MEMBER, OR ITS RELATIONSHIP WITH THE BANK OR ANOTHER GROUP MEMBER TO ANY OF THE FOLLOWING: A. ANY OFFICE OR BRANCH OF THE BANK OR ANOTHER GROUP MEMBER; B. ANY AGENT, CONTRACTOR OR THIRD PARTY SERVICE PROVIDER, OR ANY PROFESSIONAL ADVISER OF THE BANK OR ANOTHER GROUP MEMBER; C. ANY GUARANTOR, OR THIRD PARTY SECURITY PROVIDER OF THE CUSTOMER; D. ANY REGULATORY, SUPERVISORY, GOVERNMENTAL, OR QUASI-GOVERNMENTAL AUTHORITY WITH JURISDICTION OVER THE BANK OR ANOTHER GROUP MEMBER; E. ANY ACTUAL OR POTENTIAL PARTICIPANT OR SUB-PARTICIPANT IN, OR ASSIGNEE, NOVATEE, OR TRANSFEREE OF, ANY OF THE BANK'S RIGHTS AND/ OR OBLIGATIONS IN RELATION TO THE CUSTOMER; F. ANY PERSON TO WHOM THE BANK IS REQUIRED OR AUTHORISED BY LAW OR COURT ORDER TO MAKE SUCH DISCLOSURE; G. ANY PERSON WHO IS UNDER A DUTY OF CONFIDENTIALITY TO THE BANK; H. ANY BANK OR FINANCIAL INSTITUTION WITH WHICH THE CUSTOMER HAS OR PROPOSES TO HAVE DEALINGS; FATCA POLICY INFORMATION MICRO CAPITALS BANK DISCLOSE: SUBJECT TO APPLICABLE LOCAL LAWS, I HEREBY CONSENT FOR MICRO CAPITALS BANK OR ANY OF ITS AFFILIATES (INCLUDING BRANCHES) TO SHARE MY INFORMATION WITH DOMESTIC OR OVERSEAS REGULATORS OR TAX AUTHORITIES WHERE NECESSARY TO ESTABLISH MY TAX LIABILITY IN ANY JURISDICTION. INFORMATION MUST BE CORRECT: I AGREE AND UNDERTAKE TO NOTIFY MICRO CAPITALS BANK WITHIN 30 CALENDAR DAYS IF THERE IS A CHANGE IN ANY INFORMATION WHICH I HAVE PROVIDED TO MICRO CAPITALS BANK. WITHHOLDING OF FUNDS: WHERE REQUIRED BY DOMESTIC OR OVERSEAS REGULATORS OR TAX AUTHORITIES, I CONSENT AND AGREE THAT MICRO CAPITALS BANK MAY WITHHOLD, AND PAY OUT, FROM MY ACCOUNT(S) SUCH AMOUNTS AS MAY BE REQUIRED ACCORDING TO APPLICABLE LAWS, REGULATIONS, AGREEMENTS WITH REGULATORS OR AUTHORITIES AND DIRECTIVES. CUSTOMER DATA RETENTION POLICY THE BANK WILL IMPLEMENT AND ADHERE TO INFORMATION LEGISLATION AND POLICIES RELATING TO MY INFORMATION AND WILL ENSURE THAT MY INFORMATION IS SECURELY DISPOSED OF AT THE END OF THE SEVEN YEARS RETENTION PERIOD.