<SEC-DOCUMENT>0001062993-22-023314.txt : 20221205
<SEC-HEADER>0001062993-22-023314.hdr.sgml : 20221205
<ACCEPTANCE-DATETIME>20221205160523
ACCESSION NUMBER:		0001062993-22-023314
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		16
CONFORMED PERIOD OF REPORT:	20221129
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20221205
DATE AS OF CHANGE:		20221205

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			LESAKA TECHNOLOGIES INC
		CENTRAL INDEX KEY:			0001041514
		STANDARD INDUSTRIAL CLASSIFICATION:	FUNCTIONS RELATED TO DEPOSITORY BANKING, NEC [6099]
		IRS NUMBER:				980171860
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-31203
		FILM NUMBER:		221444963

	BUSINESS ADDRESS:	
		STREET 1:		4TH FLOOR, PRESIDENT PLACE
		STREET 2:		CNR. JAN SMUTS & BOLTON
		CITY:			ROSEBANK, JOHANNESBURG
		STATE:			T3
		ZIP:			00000
		BUSINESS PHONE:		27 11 343 2000

	MAIL ADDRESS:	
		STREET 1:		4TH FLOOR, PRESIDENT PLACE
		STREET 2:		CNR. JAN SMUTS & BOLTON
		CITY:			ROSEBANK, JOHANNESBURG
		STATE:			T3
		ZIP:			00000

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	NET 1 UEPS TECHNOLOGIES INC
		DATE OF NAME CHANGE:	20000724
</SEC-HEADER>
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    <title>Lesaka Technologies, Inc.: Form 8-K - Filed by newsfilecorp.com</title>
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        <p style="text-align: center; margin-top: 10pt;"><b><span style="font-size: 25pt;">UNITED STATES</span></b><br /><b><span style="font-size: 25pt;">SECURITIES AND EXCHANGE COMMISSION</span></b><br />Washington, D.C. 20549<br /><b>___________________________</b></p>
        <p style="text-align: center;"><b><span style="font-size: 25pt;">FORM <ix:nonNumeric name="dei:DocumentType" contextRef="CR20221129">8-K</ix:nonNumeric></span></b></p>
        <p style="text-align: center;"><b>CURRENT REPORT</b><br /><b>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</b></p>
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        <p style="text-align: center;"><span style="text-decoration: underline; font-weight: bold; font-size: 25pt; -sec-ix-hidden: EntityRegistrantName;">LESAKA TECHNOLOGIES, INC.</span><br />(Exact name of registrant as specified in its charter)</p>
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                        <ix:nonNumeric name="dei:EntityFileNumber" contextRef="CR20221129">000-31203</ix:nonNumeric>
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                        <ix:nonNumeric name="dei:EntityTaxIdentificationNumber" contextRef="CR20221129">98-0171860</ix:nonNumeric>
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                <td style="text-align: center;">(State or other jurisdiction</td>
                <td style="text-align: center; width: 33%;">(Commission</td>
                <td style="text-align: center; width: 33%;">(IRS Employer</td>
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                <td style="text-align: center;">of incorporation)</td>
                <td style="text-align: center; width: 33%;">File Number)</td>
                <td style="text-align: center; width: 33%;">Identification No.)</td>
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                <ix:nonNumeric name="dei:EntityAddressAddressLine2" contextRef="CR20221129">Jan Smuts Avenue and Bolton Road</ix:nonNumeric><br />
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                <ix:nonNumeric name="dei:EntityAddressCityOrTown" contextRef="CR20221129">Rosebank, Johannesburg</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressCountry" format="ixt-sec:countrynameen" contextRef="CR20221129">South Africa</ix:nonNumeric>
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        <p style="text-align: center;">Registrant&#8217;s telephone number, including area code: <span style="text-decoration: underline; font-weight: bold;">011-<ix:nonNumeric name="dei:CountryRegion" contextRef="CR20221129">27</ix:nonNumeric>-<ix:nonNumeric name="dei:CityAreaCode" contextRef="CR20221129">11</ix:nonNumeric>-<ix:nonNumeric name="dei:LocalPhoneNumber" contextRef="CR20221129">343-2000</ix:nonNumeric></span></p>
        <p style="text-align: justify;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p>
        <p style="text-align: justify;">
            <ix:nonNumeric name="dei:WrittenCommunications" format="ixt-sec:boolballotbox" contextRef="CR20221129">&#9744;</ix:nonNumeric> Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
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            <ix:nonNumeric name="dei:SolicitingMaterial" format="ixt-sec:boolballotbox" contextRef="CR20221129">&#9744;</ix:nonNumeric> Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
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            <ix:nonNumeric name="dei:PreCommencementTenderOffer" format="ixt-sec:boolballotbox" contextRef="CR20221129">&#9744;</ix:nonNumeric> Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
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            <ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" format="ixt-sec:boolballotbox" contextRef="CR20221129">&#9744;</ix:nonNumeric> Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
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        <p>Securities registered pursuant to Section 12(b) of the Act:</p>
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        <p style="text-align: justify; margin-top: 10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167; 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167; 240.12b -2 of this chapter).</p>
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        <p style="text-align: justify;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</p>
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        <p style="text-align: justify; margin-top: 10pt;"><b>Item 1.01. Entry Into a Material Definitive Agreement.</b></p>
        <p style="text-align: justify;">On November 29, 2022, Lesaka Technologies, Inc. ("Lesaka"), through its indirect South African subsidiary Cash Connect Capital Proprietary Limited ("CCC"), entered into a Revolving Credit Facility Agreement (the "Loan Document") with FirstRand Bank Limited (acting through its Rand Merchant Bank division) ("RMB" or the "Lenders") and other Lesaka subsidiaries within the Connect Group of companies listed therein, as guarantors. The transaction closed on December 1, 2022.</p>
        <p style="text-align: justify;">The Loan Document contains customary covenants that require CCC and K2020 Connect Proprietary Limited ("K2020"), an indirect South African subsidiary of Lesaka performing similar business activities as CCC, to collectively maintain a specified capital adequacy ratio, restrict the ability of the entities to make certain distributions with respect to their capital stock, encumber their assets, incur additional indebtedness, make investments, engage in certain business combinations and engage in other corporate activities.</p>
        <p style="text-align: justify;">Pursuant to the Loan Document, CCC may borrow up to an aggregate of ZAR 300.0 million ("Revolving Credit Facility") for the sole purposes of funding CCC's consumer lending business, providing a limited recourse loan to K2020, settling up to ZAR 35.0 million related to an intercompany loan to CCC's direct parent, and paying the structuring and execution fee and legal costs. The Revolving Credit Facility replaces K2020&#8217;s existing lending arrangement and increases the borrowings available to facilitate further growth of the business.</p>
        <p style="text-align: justify;">Interest on the Revolving Credit Facility is payable on the last business day of each calendar month and is based on the South Africa prime rate in effect from time to time plus a margin of 0.95% per annum. The prime rate was 10.50% on November 29, 2022.</p>
        <p style="text-align: justify;">CCC paid the non-refundable structuring and execution fee of ZAR 1.7 million, including value added taxation, to the Lenders on closing.</p>
        <p style="text-align: justify;">On November 29, 2022, the USD/ZAR exchange rate was $1: ZAR 17.02.</p>
        <p style="text-align: justify;">The foregoing description of the Loan Document does not purport to be complete and is qualified in its entirety by reference to the full text thereof, a copy of which is attached hereto as Exhibit 10.1 and is incorporated herein by reference.</p>
        <p style="text-align: justify;"><b>Item 2.03. Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.</b></p>
        <p style="text-align: justify;">The information provided in Item 1.01 of this Form 8-K is incorporated by reference.</p>
        <p style="text-align: justify;"><b>Item 9.01. Financial Statements and Exhibits.</b></p>
        <p style="text-indent: 36pt; text-align: justify;">(d) <b> </b>Exhibits</p>
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                <td style="width: 10%; vertical-align: top; text-align: center; background-color: #eeeeee;"><a href="exhibit10-1.htm">10.1</a></td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 90%; background-color: #eeeeee; vertical-align: top;"><a href="exhibit10-1.htm">Revolving Credit Facility Agreement, dated November 29, 2022, between Cash Connect Capital Proprietary Limited, the Parties Listed in Part I of Schedule 1 (the Original Guarantors) and FirstRand Bank Limited (acting through its Rand Merchant Bank division) (as Lender).</a></td>
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                <td style="width: 10%; vertical-align: top; text-align: center; background-color: #eeeeee;">104</td>
                <td style="width: 90%; vertical-align: top; text-align: justify; background-color: #eeeeee;">Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101).</td>
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        <p style="text-align: center; margin-top: 10pt;"><b>SIGNATURES</b></p>
        <p style="text-indent: 36pt; text-align: justify;">Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p>
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                <td style="margin-top: 0pt; margin-bottom: 0pt;" colspan="2"><b>LESAKA TECHNOLOGIES, INC.</b></td>
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                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 50%;">&#160;</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 5%;">&#160;</td>
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                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 50%;">Date: December 5, 2022</td>
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                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 45%; border-bottom: 0.75pt solid #000000;">/s/ Naeem E. Kola</td>
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                <td style="margin-top: 0pt; margin-bottom: 0pt; width: 5%;">Name:</td>
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    <title>Lesaka Technologies, Inc.: Exhibit 10.1 - Filed by newsfilecorp.com</title>
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<body style="font-size:10pt; font-family:'Times New Roman';">
    <hr width="100%" size="3" color="black" noshade="noshade"><a name="page_1"></a><br>
    <p style="text-align: right; margin-top: 0pt; margin-bottom: 0pt;"><b>Exhibit 10.1</b></p>
    <p style="text-align: right; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="text-align: right; margin-top: 0pt; margin-bottom: 0pt;"><b>EXECUTION</b></p>
    <p style="margin-left: 0.3pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 0.3pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>REVOLVING CREDIT FACILITY AGREEMENT</b></p>
    <p style="margin-left: 0.3pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 0.3pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 0.3pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 0.3pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 0.3pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>DATED 29 NOVEMBER, 2022</b></p>
    <p style="margin-left: 0.3pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 0.3pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">between</p>
    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 0.3pt; text-align: center; margin-top: 0pt;"><b>CASH CONNECT CAPITAL PROPRIETARY LIMITED</b></p>
    <p style="margin-left: 0.3pt; text-align: center; margin-bottom: 0pt;">(as Borrower)</p>
    <p style="margin-left: 0.3pt; text-align: center; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">and</p>
    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;"><b>THE PARTIES LISTED IN PART I OF SCHEDULE 1 (THE ORIGINAL PARTIES)</b><br>(the Original Guarantors);</p>
    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">and</p>
    <p style="margin-left: 0.2pt; text-align: center; margin-top: 0pt; margin-bottom: 0pt;">&#160;</p>
    <p style="margin-left: 0.3pt; text-align: center; margin-top: 0pt;"><b>FIRSTRAND BANK LIMITED</b><br><b>(ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)<br></b>(as Lender)</p>
    <p style="margin-left: 0.3pt; text-align: center; margin-top: 0pt;">&#160;</p>
    <hr style="height: 1px; background-color: #000000;">
    <p style="margin-left: 0.3pt; text-align: right; margin-top: 0pt;"><img src="exhibit10-1xu001.jpg"></p>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_2"></a>
    <p style="text-align: center;"><b>CONTENTS</b></p>
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            <td style="width: 5%; border-bottom: 0.75pt solid #000000;"><b>Clause</b></td>
            <td style="width: 85%; border-bottom: 0.75pt solid #000000;">&#160;</td>
            <td style="width: 10%; text-align: right; border-bottom: 0.75pt solid #000000;"><b>Page</b></td>
        </tr>
        <tr>
            <td style="width: 5%;">&#160;</td>
            <td style="width: 85%;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
        </tr>
        <tr>
            <td style="width: 5%;">&#160;</td>
            <td style="width: 85%;">&#160;</td>
            <td style="width: 10%; text-align: right;">&#160;</td>
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            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_4">1.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_4">Definitions and Interpretation</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_4">4</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_17">2.</a></td>
            <td style="width: 85%;"><a href="#page_17">The Facility</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_17">17</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_17">3.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_17">Increase in the Commitment</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_17">17</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_18">4.</a></td>
            <td style="width: 85%;"><a href="#page_18">Purpose</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_18">18</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_18">5.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_18">Conditions of Utilisation</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_18">18</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_19">6.</a></td>
            <td style="width: 85%;"><a href="#page_19">Utilisation</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_19">19</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_21">7.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_21">Repayment</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_21">21</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_21">8.</a></td>
            <td style="width: 85%;"><a href="#page_21">Prepayment and Cancellation</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_21">21</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_23">9.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_23">Extension of Maturity Date</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_23">23</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_24">10.</a></td>
            <td style="width: 85%;"><a href="#page_24">Interest</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_24">24</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_24">11.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_24">Fees</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_24">24</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_26">12.</a></td>
            <td style="width: 85%;"><a href="#page_26">Tax Gross-Up and Indemnities</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_26">26</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_29">13.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_29">Increased Costs</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_29">29</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_30">14.</a></td>
            <td style="width: 85%;"><a href="#page_30">Other Indemnities</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_30">30</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_31">15.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_31">Mitigation by the Lender</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_31">31</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_32">16.</a></td>
            <td style="width: 85%;"><a href="#page_32">Costs and Expenses</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_32">32</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_33">17.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_33">Guarantee and Indemnity</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_33">33</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_36">18.</a></td>
            <td style="width: 85%;"><a href="#page_36">Representations</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_36">36</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_41">19.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_41">Information Undertakings</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_41">41</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_44">20.</a></td>
            <td style="width: 85%;"><a href="#page_44">Financial Covenants</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_44">44</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_44">21.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_44">General Undertakings</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_44">44</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_52">22.</a></td>
            <td style="width: 85%;"><a href="#page_52">Events of Default</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_52">52</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_57">23.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_57">Changes to the Parties</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_57">57</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_59">24.</a></td>
            <td style="width: 85%;"><a href="#page_59">Payment Mechanics</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_59">59</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_60">25.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_60">Set-Off</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_60">60</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_60">26.</a></td>
            <td style="width: 85%;"><a href="#page_60">Notices</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_60">60</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_62">27.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_62">Calculations and Certificates</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_62">62</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_62">28.</a></td>
            <td style="width: 85%;"><a href="#page_62">Partial Invalidity</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_62">62</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_62">29.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_62">Remedies and Waivers</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_62">62</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_63">30.</a></td>
            <td style="width: 85%;"><a href="#page_63">Amendments and Waivers</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_63">63</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_63">31.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_63">Confidentiality</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_63">63</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_65">32.</a></td>
            <td style="width: 85%;"><a href="#page_65">Renunciation of Benefits</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_65">65</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_65">33.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_65">Counterparts</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_65">65</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_65">34.</a></td>
            <td style="width: 85%;"><a href="#page_65">Waiver of Immunity</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_65">65</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_65">35.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_65">Sole Agreement</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_65">65</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_65">36.</a></td>
            <td style="width: 85%;"><a href="#page_65">No Implied Terms</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_65">65</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_65">37.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_65">Extensions and Waivers</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_65">65</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_66">38.</a></td>
            <td style="width: 85%;"><a href="#page_66">Independent Advice</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_66">66</a></td>
        </tr>
        <tr>
            <td style="width: 5%; background-color: rgb(238, 238, 238);"><a href="#page_67">39.</a></td>
            <td style="width: 85%; background-color: rgb(238, 238, 238);"><a href="#page_67">Governing Law</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_67">67</a></td>
        </tr>
        <tr>
            <td style="width: 5%;"><a href="#page_67">40.</a></td>
            <td style="width: 85%;"><a href="#page_67">Jurisdiction</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_67">67</a></td>
        </tr>
    </table>
    <br>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_3"></a><br>
    <table style="width: 100%; border-collapse: collapse; font-size: 10pt;" border="0">
        <tr>
            <td style="width: 90%; background-color: rgb(238, 238, 238);"><a href="#page_68">Schedule 1 The Original Parties</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_68">68</a></td>
        </tr>
        <tr>
            <td style="width: 90%;"><a href="#page_69">Schedule 2 Conditions Precedent</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_69">69</a></td>
        </tr>
        <tr>
            <td style="width: 90%; background-color: rgb(238, 238, 238);"><a href="#page_71">Schedule 3 Utilisation Request</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_71">71</a></td>
        </tr>
        <tr>
            <td style="width: 90%;"><a href="#page_73">Schedule 4 Form of Compliance Certificate</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_73">73</a></td>
        </tr>
        <tr>
            <td style="width: 90%; background-color: rgb(238, 238, 238);"><a href="#page_75">Schedule 5 Form of Closing Certificate</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_75">75</a></td>
        </tr>
        <tr>
            <td style="width: 90%;"><a href="#page_77">Schedule 6 Form of Commitment Increase Confirmation</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_77">77</a></td>
        </tr>
        <tr>
            <td style="width: 90%; background-color: rgb(238, 238, 238);"><a href="#page_80">Schedule 7 Form of Confidentiality Undertaking</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_80">80</a></td>
        </tr>
        <tr>
            <td style="width: 90%;"><a href="#page_84">Schedule 8 Form of Transfer Certificate</a></td>
            <td style="width: 10%; text-align: right;"><a href="#page_84">84</a></td>
        </tr>
        <tr>
            <td style="width: 90%; background-color: rgb(238, 238, 238);"><a href="#page_86">Schedule 9 Disclosure Schedule</a></td>
            <td style="width: 10%; text-align: right; background-color: rgb(238, 238, 238);"><a href="#page_86">86</a></td>
        </tr>
    </table>
    <br>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_4"></a>
    <p style="text-align: justify;"><b>THIS AGREEMENT</b> is entered into between:</p>
    <p style="margin-left: 56.7pt; text-indent: -56.7pt; text-align: justify;">(A)<font style="width: 43.37pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CASH CONNECT CAPITAL PROPRIETARY LIMITED</b> (Registration No. 2017/029430/07), a limited liability company duly registered and incorporated in accordance with the laws of South Africa, as borrower (the <b>Borrower</b>);</p>
    <p style="margin-left: 56.7pt; text-indent: -56.7pt; text-align: justify;">(B)<font style="width: 43.37pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>THE PARTIES</b> listed in Part I of Schedule 1 (The Original Parties) as original guarantors (the <b>Guarantors</b>); and</p>
    <p style="margin-left: 56.7pt; text-indent: -56.7pt; text-align: justify;">(C)<font style="width: 43.32pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b> a limited liability company duly registered and incorporated in accordance with the laws of South Africa, as original lender (the <b>Original Lender</b>).</p>
    <p style="text-align: justify;"><b>IT IS AGREED</b> as follows:</p>
    <p style="text-align: center;"><b>SECTION 1</b></p>
    <p style="text-align: center;"><b>INTERPRETATION</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">1.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>DEFINITIONS AND INTERPRETATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Definitions</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">In this Agreement:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Affiliate</b> means, in relation to any person, a Subsidiary of that person or a Holding Company of that person or any other Subsidiary of that Holding Company.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Approved Extension Period</b> shall have the meaning ascribed thereto in Clause 9.2.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.3<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Auditors</b> means one of BDO, PwC, EY, KPMG or Deloitte or any other firm approved in advance by the Lender in writing.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.4<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Authorisation</b> means an authorisation, consent, approval, resolution, licence, permit, exemption, filing, notarisation, lodgement or registration.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.5<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Availability Period</b> means the period commencing on the Closing Date and terminating on the date which falls 1 month prior to the Maturity Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.6<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Available Amount</b> means, at any time, the Commitment minus the aggregate amount of the outstanding Loan.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.7<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Available Facility</b> means, in relation to the Facility, the Commitment minus:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the amount of any outstanding Utilisations under the Facility; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to any proposed Utilisation, the amount of any Utilisations that are due to be made under the Facility on or before the proposed Utilisation Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.8<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>BEE Party</b> means a juristic person, trust or entity in respect of which historically disadvantaged persons beneficially hold and control at least the minimum percentage ownership interests therein and/or derive therefrom the minimum economic benefits as may be stipulated from time to time pursuant to the applicable industry sector charter, as read with any applicable black economic empowerment codes of conduct and which, in any case, is not a member of the Group.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.9<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Business Day</b> means a day (other than a Saturday, a Sunday or official public holiday) on which banks are open for general business in Johannesburg.</p>
    <div id="footer_page_4">
        <p style="text-align: center;">4</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_5"></a>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.10<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cash Connect Management </b>means Cash Connect Management Solutions Proprietary Limited (Registration No. 2006/010530/07), a limited liability company duly registered and incorporated in accordance with the laws of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.11<font style="width: 51.75pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cash Connect Management Facilities Agreement </b>means the facilities agreement dated on or about 24 January, 2022 between Cash Connect Management Solutions Proprietary Limited and FirstRand Bank Limited (acting through its Rand Merchant Bank division).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.12<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cash Connect Management Finance Documents </b>means the "Finance Documents" as defined in the Cash Connect Management Facilities Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.13<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Closing Certificate</b> means a certificate substantially in the form of Schedule 5 (Form of Closing Certificate).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.14<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Closing Date</b> means the date of the notice delivered by the Original Lender to the Borrower in accordance with the provisions of Clause 5.1 (Initial conditions precedent).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.15<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Code</b> means the US Internal Revenue Code of 1986.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.16<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Commitment</b> means ZAR300,000,000, to the extent not cancelled, reduced, transferred or increased under this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.17<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Commitment Increase Confirmation</b> means a confirmation substantially in the form set out in Schedule 6 (Form of Commitment Increase Confirmation).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.18<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Companies Act</b> means the Companies Act No. 71 of 2008.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.19<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Compliance Certificate</b> means a certificate substantially in the form set out in Schedule 4 (Form of Compliance Certificate).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.20<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Confidential Information</b> means all information relating to an Obligor, the Finance Documents or the Facility of which the Lender becomes aware in its capacity as, or for the purpose of becoming, the Lender or which is received by the Lender in relation to, or for the purpose of becoming the Lender under, the Finance Documents or the Facility from an Obligor or any of its advisers, in whatever form, and includes information given orally and any document, electronic file or any other way of representing or recording information which contains or is derived or copied from such information but excludes information that:</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>is known by the Lender before the date the information is disclosed to it in accordance with Clauses 1.1.20(a) or 1.1.20(b) or is lawfully obtained by the Lender after that date, from a source which is, as far as the Lender is aware, unconnected with an Obligor and which, in either case, as far as the Lender is aware, has not been obtained in breach of, and is not otherwise subject to, any obligation of confidentiality.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.21<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Confidentiality Undertaking</b> means a confidentiality undertaking in the form published by the Loan Market Association as set out in Schedule 7 (Form of Confidentiality Undertaking) or in such other form agreed between the Borrower and the Lender.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.22<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Default</b> means an Event of Default or any event or circumstance specified in Clause 22 (Events of Default) which would (with the expiry of any applicable grace period, the giving of notice, the making of any determination under the Finance Documents or any combination of any of the foregoing) be an Event of Default.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.23<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disruption Event</b> means either or both of:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a material disruption to those payment or communications systems or to those financial markets which are, in each case, required to operate in order for payments to be made in connection with the Facility (or otherwise in order for the transactions contemplated by the Finance Documents to be carried out) which disruption is not caused by, and is beyond the control of, any of the Parties; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the occurrence of any other event which results in a disruption (of a technical or systems-related nature) to the treasury or payments operations of any Party preventing that, or any other Party:</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(i)<font style="width: 17.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>from performing its payment obligations under the Finance Documents; or</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(ii)<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>from communicating with the other Parties in accordance with the terms of the Finance Documents,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and which (in either such case) is not caused by, and is beyond the control of, the Party whose operations are disrupted.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.24<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Distribution</b> means any payment (whether in cash or <i>in specie</i>) by way of interest or principal (whether in respect of an intercompany or shareholder loan or otherwise), dividend, fee, royalty, management fees or other distribution or payment whatsoever (including, without limitation, by way of the repurchase of any shares) by or on behalf of (i) a company to or for the account of its shareholders, any holder of any of its securities or any other person; (ii) a trust to or for the account of its beneficiaries or any other person, and includes a "<i>distribution</i>" as defined in the Companies Act.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.25<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Economic Failure</b> means any adverse change or deterioration in existing market conditions or other situation, as determined in the sole discretion of the Lender (including any adverse change or other situation in the South African or international capital markets or in the South African or international monetary, financial, political or economic conditions) which renders it unlawful, impossible or uneconomic for the Lender to make the Facility available (or any part thereof) in terms of any Finance Document.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.26<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Entity</b> means any natural or juristic person, association, business, close corporation, company, concern, enterprise, firm, partnership, Joint Venture, trust, undertaking, voluntary association, body corporate and any similar entity.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.27<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environment</b> means humans, animals, plants and all other living organisms including the ecological systems of which they form part and the following media:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>air (including, without limitation, air within natural or man-made structures, whether above or below ground);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>water (including, without limitation, territorial, coastal and inland waters, water under or within land and water in drains and sewers); and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>land (including, without limitation, land under water).</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.28<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental Claim</b> means any claim, proceeding, formal notice or investigation by any person in respect of any Environmental Law or any authorisation held (or required to be held) under applicable Environmental Law.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.29<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental Law</b> means any applicable law or regulation which relates to:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the pollution or protection of the Environment;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>harm to or the protection of human health;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the conditions of the workplace; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the generation, handling, storage, use, release, emission or spillage of any substance which, alone or in combination with any other, is capable of causing harm to the Environment, including, without limitation, any waste.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.30<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental Permits</b> means any permit and other Authorisation and the filing of any notification, report or assessment required under any Environmental Law for the operation of the business of each member of the Wider Group conducted on or from the properties owned or used by that member of the Wider Group.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.31<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Event of Default</b> means any event or circumstance specified as such in Clause 22 (Events of Default).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.32<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility</b> means the revolving credit facility made available under this Agreement as described in Clause 2 (The Facility).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.33<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Facility Outstandings</b> means, at any time, the aggregate of all amounts of loan principal, accrued interest, fees and all other amounts owing by the Borrower to the Lender under the Finance Documents at such time on account of the Facility, including without limitation, any claim for damages or restitution or any claim as a result of any recovery by the Borrower or another person of a payment or discharge under the Finance Documents on the grounds of preference.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.34<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FATCA</b> means:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>Sections 1471 to 1474 of the Code or any associated regulations;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>any treaty, law or regulation of any other jurisdiction, or relating to an intergovernmental agreement between the US and any other jurisdiction, which (in either case) facilitates the implementation of any law or regulation referred to in Clause 1.1.34(a); or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 14.34pt; text-indent: 0pt; display: inline-block;">&#160;</font>any agreement pursuant to the implementation of any treaty, law or regulation referred to in Clauses 1.1.34(a) or 1.1.34(b) with the US Internal Revenue Service, the US government or any governmental or taxation authority in any other jurisdiction.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.35<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FATCA Deduction</b> means a deduction or withholding from a payment under a Finance Document required by FATCA.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.36<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FATCA Exempt Party</b> means a Party that is entitled to receive payments free from any FATCA Deduction.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.37<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Final Discharge Date</b> means the date on which:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Facility Outstandings have been irrevocably and unconditionally paid and discharged in full (whether or not as a result of enforcement); and</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Lender has no commitment whatsoever to provide finance or any other form of credit or financial accommodation to any person under this Agreement,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">as certified in writing by the Lender within five Business Days of receipt of a request for confirmation from the Borrower, if all the requirements above have in fact been met.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.38<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Documents</b> means, collectively:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>this Agreement;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Subordination Agreement;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Security Documents;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Obligor Pledge and Cession Amendment Agreement;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Utilisation Request;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(f)<font style="width: 15.06pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Compliance Certificate;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(g)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Transfer Certificate;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(h)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Commitment Increase Confirmation; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(i)<font style="width: 15.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other document designated as such by the Lender and the Borrower in writing,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and each a <b>Finance Document</b> as the context may require.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.39<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Lease</b> means any lease or hire purchase contract, a liability under which would, in accordance with IFRS, be treated as a balance sheet liability (other than an Operating Lease).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.40<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial Indebtedness</b> means any indebtedness for or in respect of:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 14.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>moneys borrowed, credit provided and debit balances at financial institutions;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any amount raised by acceptance under any acceptance credit facility or dematerialised equivalent;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 14.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>any amount raised pursuant to any note purchase facility or the issue of bonds, notes, debentures, loan stock or any similar instrument;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the amount of any liability in respect of any Finance Lease;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(e)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>receivables sold or discounted (other than any receivables to the extent they are sold on a non-recourse basis);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(f)<font style="width: 15.56pt; text-indent: 0pt; display: inline-block;">&#160;</font>any amount raised under any other transaction (including any forward sale or purchase agreement) having the commercial effect of a borrowing;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(g)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>any derivative transaction entered into in connection with protection against or benefit from fluctuation in any rate or price (and, when calculating the value of that derivative transaction, only the marked to market value (or, if any actual amount is due as a result of the termination or close-out of that derivative transaction, that amount) shall be taken into account);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(h)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>any amount raised by the issue of shares which are redeemable;</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(i)<font style="width: 16.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>any counter-indemnity obligation in respect of a guarantee, indemnity, bond, standby or documentary letter of credit or any other instrument issued by a bank or financial institution; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(j)<font style="width: 16.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>the amount of any liability in respect of any guarantee or indemnity for any of the items referred to in Clauses 1.1.40(a) to 1.1.40(i).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.41<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Group</b> means each Guarantor and each of its Subsidiaries from time to time.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.42<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Holding Company</b> means, in relation to a company or corporation, any other company or corporation in respect of which it is a Subsidiary.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.43<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>IFRS</b> means:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the international accounting standards within the meaning of the IAS Regulation 1606/2002; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the international financial reporting standards for small and medium enterprises, as issued from time to time by the International Account Standard Board or its successor body,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">in each case, to the extent applicable to the relevant financial statements.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.44<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Joint Venture</b> means any joint venture entity, partnership or similar person, comprising an association of two or more persons to undertake a business enterprise through a combination of assets and/or expertise.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.45<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>K2020</b> means K2020 Connect Proprietary Limited (registration number 2020/263969/07), a limited liability company duly registered and incorporated in accordance with the laws of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.46<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Legal Fees and Expenses</b> means the amount of all legal fees (plus VAT thereon) payable to Webber Wentzel and all disbursements (plus VAT on such disbursements) incurred in connection with the negotiation and preparation of this Agreement and the other Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.47<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Lender</b> means:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Original Lender; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any bank or financial institution which becomes a Party as a Lender in accordance with Clause 23.1 (Cessions and delegations by the Lender),</p>
    <p style="margin-left: 76.55pt; text-align: justify;">which, in each case, has not ceased to be a Party in accordance with the terms of this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.48<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Limited Recourse Loan</b> means a loan or series of loans made under a master agreement not exceeding, in aggregate, the sum of R144,225,904.55 and the amount outstanding under the overdraft granted by the Lender to K2020 made by the Borrower to K2020 on terms acceptable to the Lender.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.49<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Loan</b> means the loan made or to be made under the Facility or the principal amount outstanding for the time being of that loan.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.50<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Longstop Date</b> means 15 December, 2022 (or such later date as the Lender may notify the Borrower in writing).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.51<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Margin</b> means 0.95 per cent. per annum.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.52<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Material Adverse Effect</b> means any event, matter or circumstance or combination of events, matters or circumstances, which, in the reasonable opinion of the Lender, has or may have a material adverse effect on:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the business, operations, property or condition (financial or otherwise) or prospects of a member of the Wider Group; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the ability of a member of the Wider Group to perform its obligations under the Finance Documents to which it is a party; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the validity or enforceability of any Finance Document or any Transaction Security or any right or remedy of the Lender arising under a Finance Document.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.53<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Maturity Date</b> means the date occurring 24 months after the Closing Date, as such date may be extended by the Approved Extension Period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.54<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Obligors</b> means, collectively, the Borrower and each Guarantor, and each an <b>Obligor</b> as the context may require.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.55<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Obligor Pledge and Cession</b> means the pledge and cession <i>in securitatem debiti</i> agreement dated on or about 22 March, 2022 between, <i>inter alios</i>, the Obligors (as cedents) and the Original Lender (as cessionary) as amended by the Obligor Pledge and Cession Amendment Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.56<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Obligor Pledge and Cession Amendment Agreement </b>means the amendment agreement dated on or about the date of this Agreement which amends the Obligor Pledge and Cession.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.57<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Operating Lease</b> means any lease contract (concluded either prior to or after 1 January 2019), which would have been classified as an operating lease under IAS17 prior to 1 January 2019 and solely as a result of the adoption of IFRS 16 with effect from 1 January 2019 is now classified as a finance lease.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.58<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Original Financial Statements</b> means in respect of the Borrower and each Guarantor, its audited financial statements for its financial year ended on 30 June, 2022.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.59<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Party</b> means a party to this Agreement and collectively, the <b>Parties</b>.</p>
    <p style="text-align: justify; margin-left: 76.55pt; text-indent: -76.55pt;">1.1.60<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted BEE Transaction</b> means any acquisition of shares or interests by or disposal of shares or interest to a BEE Party, provided that the transaction is concluded in order to comply with the requirements of the Group or any member thereof under an applicable code of good practice issued in terms of section 9 of the Broad Based Black Economic Act 53 of 2003 and entered into with the express prior consent of the Lender and in terms of which the shares and shareholder loan claims of the BEE Party in and against Cash Connect Management are pledged and ceded in favour of the Lender.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.61<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Prime Rate</b> means the basic rate of interest (per cent, per annum, compounded monthly in arrear and calculated on a 365 day year) from time to time quoted by the Lender as being its prime rate, certified by any manager of the Lender, whose appointment and designation need not be proved.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.62<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Quasi-Security</b> shall have the meaning ascribed thereto in Clause 21.15.1.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.63<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Refinancing</b> means any arrangement pursuant to which the Facility Outstandings (and other amounts owing under the Finance Documents) are prepaid out of the proceeds of any new financial indebtedness directly or indirectly incurred by the Borrower or any Obligor for such purpose, and <b>Refinanced</b> shall bear a corresponding meaning.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.64<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Related Fund</b> in relation to a fund (the <b>first fund</b>), means a fund which is managed or advised by the same investment manager or investment adviser as the first fund or, if it is managed by a different investment manager or investment adviser, a fund whose investment manager or investment adviser is an Affiliate of the investment manager or investment adviser of the first fund.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.65<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Relevant Rate</b> means the Prime Rate plus the Margin.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.66<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Representative</b> means any representative, delegate, agent, manager, administrator, nominee, attorney, trustee or custodian.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.67<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctioned Entity</b> means:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Entity or person, country or territory which is listed on a Sanctions List or is subject to Sanctions; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a person which is ordinarily resident in a country or territory which is listed on a Sanctions List or is subject to Sanctions.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.68<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctioned Transaction</b> means the use of the proceeds of the Facility for the purpose of financing or providing any credit, directly or indirectly, to:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a Sanctioned Entity; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other person or Entity, if a member of the Wider Group has actual knowledge (or ought to have known) that the person or Entity proposes to use the proceeds of the financing or credit for the purpose of financing or providing any credit, directly or indirectly, to a Sanctioned Entity,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">in each case to the extent that to do so is prohibited by, or would cause any breach of, Sanctions.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.69<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctions</b> means any trade, economic or financial sanctions, laws, regulations, embargoes or restrictive measures imposed, administered from time to time by any Sanctions Authority.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.70<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctions Authority</b> means:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the government of the Republic of South Africa;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the government of Switzerland;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the government of Australia;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the United Nations;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the European Union;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(f)<font style="width: 15.06pt; text-indent: 0pt; display: inline-block;">&#160;</font>the government of the United States of America;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(g)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Council of Europe (founded under the Treaty of London, 1946);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(h)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the government of the Republic of France; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(i)<font style="width: 15.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>the government of the United Kingdom,</p>
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    <p style="margin-left: 76.55pt; text-align: justify;">and any of their governmental authorities, including, without limitation, OFAC, the US Department of Commerce, the U.S. State Department or the US Department of the Treasury, His Majesty's Treasury and the French Ministry of Finance.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.71<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctions List</b> means the list of Specifically Designated Nationals and Blocked Persons List published by OFAC, the Consolidated List of Financial Sanctions Targets and Investments Ban List maintained by His Majesty's Treasury or any similar list maintained, or a public announcement of a Sanctions designation made, by any Sanctions Authority, in each case as amended, supplemented or substituted from time to time.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.72<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Secured Property</b> means all of the assets of the Obligors which from time to time are, or are expressed to be, the subject of the Transaction Security.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.73<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Security</b> means a mortgage bond, notarial bond, cession in security, charge, pledge, hypothec, lien or other security interest securing any obligation of any person or any other agreement or arrangement having a similar effect.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.74<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Security Documents</b> means, collectively:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Obligor Pledge and Cession; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other document entered into by any Obligor creating or expressed to create any Security over all or any part of its assets in respect of the obligations of any of the Obligors under any of the Finance Documents,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and each a <b>Security Document</b> as the context may require.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.75<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>South Africa</b> means the Republic of South Africa.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.76<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Structuring and Execution Fee</b> means the upfront non-refundable structuring fee of ZAR1,500,000 (plus VAT thereon) payable by the Borrower to the Original Lender in accordance with the provisions of Clause 11.1.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.77<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Subordination Agreement</b> means a subordination agreement to be entered into&#160; between, <i>inter alios</i>, the Obligors and the Original Lender.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.78<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Subsidiary</b> means a "<b>subsidiary</b>" as defined in the Companies Act and shall include any person who would, but for not being a "company" under the Companies Act, qualify as a "subsidiary" as defined in the Companies Act.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.79<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Tax</b> means any tax, levy, impost, duty or other charge or withholding of a similar nature (including any penalty or interest payable in connection with any failure to pay or any delay in paying any of the same).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.80<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Term</b> means the period commencing on (and including) the Closing Date and ending on (and including) the Final Discharge Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.81<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transaction Security</b> means the Security created or expressed to be created in favour of the Lender pursuant to the Security Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.82<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transfer</b> has the meaning given to it in Clause 23.1 (Cessions and delegations by the Lender).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.83<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transfer Certificate</b> means a certificate substantially in the form set out in Schedule 8 (Form of Transfer Certificate) or any other form agreed between the Lender and the Borrower.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.84<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Unpaid Sum</b> means any sum due and payable but unpaid by an Obligor under the Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.85<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Utilisation</b> means a utilisation of the Facility.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.86<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Utilisation Date</b> means the date of a Utilisation, being the date on which the Loan (or a portion thereof) is to be made.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.87<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Utilisation Request</b> means a notice substantially in the form set out in Schedule 3 (Utilisation Request).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.88<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>VAT</b> means (i) any value added tax as provided for in the Value Added Tax Act, 1991, (ii) any general service tax and (iii) any other tax of a similar nature.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.89<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Wider Group</b> means, collectively, the Obligors and each other member of the Group.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.1.90<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>ZAR</b>, <b>Rand</b> or <b>R </b>means South African Rand, the lawful currency of South Africa.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial definitions</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">In this Agreement:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Bad Debt Provisions</b> means the Borrower's "doubtful debts" as determined in accordance with IFRS.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Capital Adequacy Ratio</b> means the ratio of the Equity Buffer to the CAR Net Loan Value, expressed as a percentage. For the purposes of calculating the "<i>Capital Adequacy Ratio</i>" where any single Consumer Loan to be taken into account for such calculation is for an amount that is equal to more than 5 per cent. of the CAR Net Loan Value determined, then (i) the amount of that Consumer Loan to be taken into account for such calculation shall be an amount equal to 5 per cent. of the Net Loan Value; and (ii) the amount of that Consumer Loan in excess of 5 per cent. of the Net Loan Value shall <i>pro-tanto</i> reduce the Equity Buffer and the CAR Net Loan Value.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.3<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CAR Net Loan Value</b> means the aggregate of all Consumer Loans less all Non-Performing Loans.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.4<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Consumer Loan</b> means, at any time, the outstanding capital amount of any loan granted by the Borrower or K2020 in the ordinary course of its business (excluding any loan to a member of the Group) and which has not been fully "<i>written off</i>" as determined in accordance with IFRS.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.5<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Equity Buffer</b> means the aggregate of:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Share Capital; <i>plus</i></p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Retained Earnings; <i>plus</i></p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Subordinated Shareholder Loans and Claims.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.6<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Measurement Date</b> means the last day of March, June, September and December of each year; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.7<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Measurement Period</b> means each period of 12 months ending on a Measurement Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.8<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Net Loan Value</b> means the aggregate of all Consumer Loans less all Bad Debt Provisions.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.9<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Non-Performing Loans</b> means any Consumer Loan which is overdue for repayment by more than 15 days.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.10<font style="width: 51.75pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Non-Vault Client</b> means a person that is not a Vault Client as defined in Clause 1.2.16, and that has entered into a loan agreement with the Borrower or K2020 in terms of which the Borrower or K2020 advances a Consumer Loan to that person.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.11<font style="width: 51.75pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Non-Vault Performance Ratio</b> means the ratio of (i) the Rolling Loss Ratio of Non-Vault Clients to (ii) the Rolling Loss Ratio of Vault Clients.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.12<font style="width: 51.75pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Retained Earnings</b> means, for the relevant Measurement Period, the net income of the Borrower and K2020 as determined in accordance with IFRS less any Distributions made by the Borrower and K2020 to their shareholders from the Closing Date to the relevant Measurement Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.13<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Rolling Loss Ratio</b> means, for any Measurement Period, the ratio of (i) the aggregate of the proportions of Consumer Loans that are classified as "<i>written off</i>" in terms of IFRS to (ii) the aggregate value of Consumer Loans originated by the Borrower during that Measurement Period, expressed as a percentage.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.14<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Share Capital</b> means, on any Measurement Date, the aggregate amount of the paid up share capital in respect of the ordinary shares in the Borrower and K2020.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.15<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Subordinated Shareholder Loans and Claims </b>means any shareholder loans made to the Borrower and/or K2020, and any claims of any shareholder against the Borrower and K2020, and which have been contractually subordinated in writing in terms of the Subordination Agreement and ceded in security to the Original Lender, in terms of the Obligor Pledge and Cession.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.16<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Vault Client</b> means a person that has:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>entered into a loan agreement with the Borrower or K2020 in terms of which the Borrower or K2020 advances a Consumer Loan to that person; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>entered into cash management arrangements with Cash Connect Management in terms of which Cash Connect Management provides cash management services to that person.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Construction</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.3.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless a contrary indication appears, any reference in this Agreement to:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the <b>Lender</b>, the <b>Borrower</b>, any <b>Obligor</b> or either <b>Party</b> shall be construed so as to include its successors in title and permitted cessionaries;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a document in <b>agreed form</b> is a document which is previously agreed in writing by or on behalf of the Borrower and the Lender or, if not so agreed, is in the form specified by the Lender;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>assets</b> includes present and future properties, revenues and rights of every description;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>authority</b> includes any court or any governmental, intergovernmental or supranational body, agency, department or any regulatory, self-regulatory or other authority;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a <b>Finance Document</b> or any other agreement or instrument includes (without prejudice to any prohibition on amendments) all amendments (however fundamental) to, or novations of, that Finance Document or other agreement or instrument, including any amendment or novation providing for any increase in the amount of the Facility or any additional facility or replacement facility;</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(f)<font style="width: 16.06pt; text-indent: 0pt; display: inline-block;">&#160;</font>the use of the word <b>including</b> followed by specific examples will not be construed as limiting the meaning of the general wording preceding it, and the <i>eiusdem generis</i> rule must not be applied in the interpretation of such general wording or such specific examples;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(g)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>indebtedness</b> includes any obligation (whether incurred as principal or as surety) for the payment or repayment of money, whether present or future, actual or contingent;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(h)<font style="width: 14.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>a <b>person</b> includes any individual, firm, company, corporation, government, state or agency of a state or any association, trust, joint venture, consortium or partnership (whether or not having separate legal personality);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(i)<font style="width: 16.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>a <b>regulation</b> includes any regulation, rule, official directive, request or guideline (whether or not having the force of law but, if not having the force of law, being of a type with which any person to which it applies is accustomed to comply) of any governmental, intergovernmental or supranational body, agency, department or of any regulatory, self-regulatory or other authority or organisation;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(j)<font style="width: 16.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>a <b>disposal</b> means a sale, transfer, cession, assignment, donation, grant, lease, licence or other alienation or disposal, whether voluntary or involuntary and whether pursuant to a single transaction or a series of transactions, and <b>dispose</b> will be construed accordingly;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(k)<font style="width: 14.34pt; text-indent: 0pt; display: inline-block;">&#160;</font>a provision of law is a reference to that provision as amended or re- enacted; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(l)<font style="width: 17.12pt; text-indent: 0pt; display: inline-block;">&#160;</font>a time of day is a reference to Johannesburg time.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.3.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>Section, Clause and Schedule headings are for ease of reference only.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.3.3<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless a contrary indication appears, a term used in any other Finance Document or in any notice given under or in connection with any Finance Document has the same meaning in that Finance Document or notice as in this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.3.4<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Default (other than an Event of Default) is <b>continuing</b> if it has not been remedied or waived and an Event of Default is <b>continuing</b> if it has not been waived.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.3.5<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>If any provision in a definition is a substantive provision conferring rights or imposing obligations on any Party, notwithstanding that it appears only in an interpretation Clause, effect shall be given to it as if it were a substantive provision of the relevant Finance Document.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.3.6<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless inconsistent with the context, an expression in any Finance Document which denotes the singular includes the plural and <i>vice versa</i>.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.3.7<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Schedules to any Finance Document form an integral part thereof and a reference to a <b>Clause</b> or a <b>Schedule</b> is a reference to a Clause of, or a schedule to, this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.3.8<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>The rule of construction that, in the event of ambiguity, a contract shall be interpreted against the party responsible for the drafting thereof, shall not apply in the interpretation of the Finance Documents.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.3.9<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>The expiry or termination of any Finance Documents shall not affect those provisions of the Finance Documents that expressly provide that they will operate after any such expiry or termination or which of necessity must continue to have effect after such expiry or termination, notwithstanding that the Clauses themselves do not expressly provide for this.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.3.10<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Finance Documents shall to the extent permitted by applicable law be binding on and enforceable by the administrators, trustees, permitted cessionaries, business rescue practitioners or liquidators of the Parties as fully and effectually as if they had signed the Finance Documents in the first instance and reference to any Party shall be deemed to include such Party's administrators, trustees, permitted cessionaries, business rescue practitioners or liquidators, as the case may be.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.3.11<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Where figures are referred to in numerals and in words in any Finance Document, if there is any conflict between the two, the words shall prevail.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.3.12<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless a contrary indication appears, where any number of days is to be calculated from a particular day, such number shall be calculated as including that particular day and excluding the last day of such period.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.4<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Third party rights</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.4.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as expressly provided for in this Agreement or in any other Finance Document, no provision of any Finance Document constitutes a stipulation for the benefit of any person who is not a party to that Finance Document.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.4.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>Notwithstanding any term of any Finance Document, the consent of any person who is not a party to that Finance Document is not required to rescind or vary that Finance Document at any time except to the extent that the relevant variation or rescission (as the case may be) relates directly to the right conferred upon any applicable third party under a stipulation for the benefit of that party that has been accepted by that third party.</p>
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    <p style="text-align: center;"><b>SECTION 2 </b></p>
    <p style="text-align: center;"><b>THE FACILITY</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">2.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>THE FACILITY</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Subject to the terms of this Agreement the Lender makes available to the Borrower a ZAR denominated revolving credit facility in an amount equal to the Commitment.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">3.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>INCREASE IN THE COMMITMENT</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may by giving not less than 30 days prior written notice to the Lender request that the Commitment be increased and subject to the provisions of this Clause 3 (Increase in the Commitment), the Commitment shall be increased as follows:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">3.1.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>the increased Commitment will be assumed by the Lender confirming in writing by way of a Commitment Increase Confirmation its willingness to increase the Commitment;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">3.1.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Borrower and the Lender shall assume obligations towards one another and/or acquire rights against one another as the Borrower and the Lender would have assumed and/or acquired had the Lender made the increased Commitment available on the date of this Agreement; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">3.1.3<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>any increase in the Commitment shall, subject to the conditions set out in Clauses 3.3 to 3.9, take effect on the date specified by the Lender in the duly completed Commitment Increase Confirmation delivered by the Lender to the Borrower (the <b>Increase Effective Date</b>).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may only deliver a notice in terms of Clause 3.1 during the period commencing on the Closing Date and ending on the date falling six months prior to the Maturity Date (such period being the <b>Relevant Period</b>).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>If any conditions are attached to the increase of the Commitment, then the Lender shall notify the Borrower in writing of each such condition and the Borrower shall prior to the Increase Effective Date deliver all relevant documentation and other evidence requested by the Lender (each in form and substance satisfactory to the Lender) including any documents and/or information that may be necessary for the Lender to complete any "know your customer" or other similar checks under all applicable laws and regulations in relation to the assumption of the increased Commitment by the Lender.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.4<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Lender is under no obligation to agree to any increase of the Commitment and any increase of the Commitment will be made in the Lender's sole discretion and subject to the Lender's internal credit approvals.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.5<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The amount of each requested increase to the Commitment must be an amount which is not less than ZAR50,000,000.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.6<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The aggregate amount of all increases to the Commitment made pursuant to this Clause 3 (Increase in the Commitment) shall not exceed ZAR100,000,000.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.7<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may only deliver 2 increase requests during the Relevant Period.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.8<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>No increase of the Commitment shall take effect unless and until the fee referred to in Clause 11.2 (Commitment Increase Fee) has been paid in full.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.9<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall promptly on demand pay the Lender the amount of all costs and expenses (including legal fees) reasonably incurred by the Lender in connection with any increase in the Commitment under this Clause 3 (Increase in the Commitment).</p>
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    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">4.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>PURPOSE</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Purpose</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall apply all amounts borrowed by it under the Facility towards:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.1.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>firstly, discharging the Structuring and Execution Fee and the Legal Fees and Expenses;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.1.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>secondly, making the Limited Recourse Loan to K2020;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.1.3<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>thirdly, settling up to ZAR35,000,000 of the inter-company loan provided by Cash Connect Management; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">4.1.4<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>fourthly, funding the making of Consumer Loans by the Borrower.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Monitoring</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Lender is not bound to monitor or verify the application of any amount borrowed pursuant to this Agreement.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">5.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CONDITIONS OF UTILISATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Initial conditions precedent</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower may not deliver a Utilisation Request unless the Lender has received (or in accordance with Clause 5.3 (Waiver or Deferral of Conditions Precedent), waived or deferred receipt, of) all of the documents and other evidence listed in Schedule 2 (Conditions Precedent) in form and substance satisfactory to the Lender. The Lender shall notify the Borrower promptly upon being so satisfied.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Further conditions precedent</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Subject to the terms of this Agreement, the Lender will only be obliged to comply with Clause 6.4 (Disbursement) if on the date of the Utilisation Request and on the proposed Utilisation Date:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.2.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>no Default is continuing or would result from the proposed Utilisation;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.2.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>no Economic Failure has occurred; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">5.2.3<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>each of the representations set out at Clause 18 (Representations) are true and correct in all respects.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Waiver or Deferral of Conditions Precedent</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">All conditions precedent contained in this Agreement have been inserted for the benefit of the Lender. The Lender may by notice to the Borrower, waive or defer delivery of any condition precedent, in whole or in part, and subject to such other conditions (if any) as it may in its sole and absolute discretion determine.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.4<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Failure to close</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If the Closing Date has not occurred by the Longstop Date, the Commitment shall be immediately, automatically and without a requirement for notice to be given to any person, be cancelled and reduced to zero.</p>
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    <p style="text-align: center;"><b>SECTION 3 </b></p>
    <p style="text-align: center;"><b>UTILISATION</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">6.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>UTILISATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Delivery of a Utilisation Request</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">6.1.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may utilise the Facility by delivery to the Lender of a duly completed Utilisation Request</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">6.1.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless the Lender otherwise agrees, the latest time for receipt by the Lender of a Utilisation Request is 11h00, two Business Days before the proposed Utilisation Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Completion of a Utilisation Request</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">6.2.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Utilisation Request is irrevocable and will not be regarded as having been duly completed unless:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the proposed Utilisation Date is a Business Day within the Availability Period;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the currency and amount of the Utilisation comply with Clause 6.3 (Currency and amount); and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>it specifies an account in South Africa and in the name of the Borrower into which the proceeds must be deposited.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">6.2.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>Only two Utilisation Requests may be delivered in any calendar month.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Currency and amount</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">6.3.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>The currency specified in a Utilisation Request must be Rand.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">6.3.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>The amount of a proposed Utilisation must be an amount which is not more than the Available Facility and which is a minimum of ZAR5,000,000 or, if less, the Available Facility and, save in respect of the first Utilisation as contemplated in Clause 6.4.1, in integrals of ZAR1,000,000.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.4<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disbursement</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If the conditions set out in this Agreement have been met, the Lender must advance and lend to the Borrower, who shall borrow from the Lender, the Loan (or any portion thereof) on the relevant Utilisation Date as follows:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">6.4.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>in respect of the first Utilisation, which shall occur no later than the date falling 10 Business Days after the Closing Date, by the Lender:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>discharging the Structuring and Execution Fees, in accordance with the provisions of Clause 11 (Fees);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>discharging the Legal Fees and Expenses;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>making the Limited Recourse Loan; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">6.4.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>in respect of each other Utilisation, in accordance with the provisions of the relevant Utilisation Request.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.5<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cancellation of Commitment</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Commitment which, at that time, is unutilised shall be immediately cancelled at the end of the Availability Period.</p>
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    <p style="text-align: center;"><b>SECTION 4</b></p>
    <p style="text-align: center;"><b>REPAYMENT, PREPAYMENT AND CANCELLATION</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">7.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>REPAYMENT</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall repay the Loan made to it in full on the Maturity Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>Without derogating from the provisions of Clause 7.1, the Borrower shall repay all Facility Outstandings in full on the Maturity Date.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">8.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>PREPAYMENT AND CANCELLATION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Illegality</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If it becomes unlawful in any applicable jurisdiction for the Lender to perform any of its obligations as contemplated by this Agreement or to fund or maintain the Loan:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.1.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Lender shall promptly notify the Borrower upon becoming aware of that event;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.1.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>upon the Lender notifying the Borrower, the Commitment will be immediately cancelled;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.1.3<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Borrower shall repay the outstanding Loan and all other Facility Outstandings within three Business Days after the Lender has notified the Borrower or, if earlier, the date specified by the Lender in the notice delivered to the Borrower (being no earlier than the last day of any applicable grace period permitted by law).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctions</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.2.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>If any member of the Wider Group or any of its Affiliates:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>is or becomes a Sanctioned Entity; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>participates in any manner in any Sanctioned Transaction,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">the Borrower shall notify the Lender promptly upon becoming aware of that event.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.2.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>If any event contemplated by Clause 8.2.1 occurs, the following shall apply:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Lender shall not be obliged to fund any Utilisation;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>if the Lender so requires, it shall cancel the Commitment and the outstanding Loan and all other Facility Outstandings shall become due and payable, whereupon the Commitment will be cancelled and all such Facility Outstandings will become immediately due and payable.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Control Event</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.3.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>For the purposes of this Clause 8.3, <b>Control Event</b> means:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>Lesaka Technologies Proprietary Limited, Ovobix (RF) Proprietary Limited and Luxanio 227 Proprietary Limited cease to directly, beneficially and legally hold, and control, in aggregate:</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(i)<font style="width: 16.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>before any Permitted BEE Transaction, 100 per cent. of the votes that might be cast at a general meeting of Cash Connect Management;</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(ii)<font style="width: 13.95pt; text-indent: 0pt; display: inline-block;">&#160;</font>after any Permitted BEE Transaction, 75.00 per cent. of the votes that might be cast at a general meeting of Cash Connect Management;</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>Cash Connect Management ceases to directly, beneficially and legally hold and control 100 per cent. of the issued share capital of the Borrower;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>Lesaka Technologies Proprietary Limited, Ovobix (RF) Proprietary Limited and Luxanio 227 Proprietary Limited cease to directly, beneficially and legally hold, and control, in aggregate, 100 per cent. of the issued share capital of K2021477132 (South Africa) Proprietary Limited; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>K2021477132 (South Africa) Proprietary Limited ceases to directly, beneficially and legally hold and control 100 per cent. of the issued share capital of K2020.</p>
    <p style="margin-left: 76.55pt; text-align: justify;">If, at any time, a Control Event occurs, then:</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(i)<font style="width: 16.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Borrower shall promptly inform the Lender of the same;</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(ii)<font style="width: 13.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Lender shall not be obliged to fund a Utilisation or provide any form of financial accommodation to any Obligor under any Finance Document; and</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iii)<font style="width: 10.72pt; text-indent: 0pt; display: inline-block;">&#160;</font>if the Lender so requires, it may, on not less than five Business Days' written notice to the Borrower, cancel the Commitment and declare all of the Facility Outstandings immediately due and payable.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.4<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Voluntary cancellation</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower may, if it gives the Lender not less than 10 Business Days' (or such shorter period as the Lender may agree) prior notice, cancel the whole or any part (being a minimum amount of ZAR5,000,000) of the Available Facility.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.5<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Voluntary prepayment</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.5.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may, if it gives the Lender not less than five Business Days' (or such shorter period as the Lender may agree) prior notice, prepay the whole or any part of the Loan (but, if in part, being an amount that reduces the amount of the Loan by a minimum amount of ZAR5,000,000 from the proceeds of (a) internally generated cash flows, or (b) a Refinancing. For the purposes of this Clause, <b>internally generated cash flows</b> excludes (i) the proceeds of any share capital issued (other than share capital relating to the issue of preference shares) and (ii) any cash flows generated by the Borrower otherwise than in the ordinary and regular course of business.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.5.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any voluntary prepayment made from the proceeds of a Refinancing shall prepay the Loan and all other Facility Outstandings, in full.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.5.3<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>If any prepayment contemplated in Clause 8.5.2 is made at any time during the period commencing on the first Utilisation Date and ending on the date falling nine months thereafter, the Borrower shall, together with such prepayment, pay to the Lender a prepayment fee equal to one per cent. (plus VAT thereon, if any) of the amount so prepaid.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">8.6<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Restrictions</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.6.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any notice of cancellation or prepayment given by any Party under this Clause 8 shall be irrevocable and, unless a contrary indication appears in this Agreement, shall specify the date or dates upon which the relevant cancellation or prepayment is to be made and the amount of that cancellation or prepayment.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.6.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any prepayment under this Agreement shall be made together with accrued interest on the amount prepaid.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.6.3<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower may reborrow any part of the Facility which is voluntarily prepaid.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.6.4<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall not repay or prepay all or any part of the Loan or cancel all or any part of the Available Facility except at the times and in the manner expressly provided for in this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.6.5<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>No amount of the Available Facility cancelled under this Agreement may be subsequently reinstated.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">8.6.6<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>If all or part of the Loan is repaid or prepaid and is not available for redrawing, an amount of the Commitment (equal to the amount of the Loan which is repaid or prepaid) will be deemed to be cancelled on the date of repayment or prepayment.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">9.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>EXTENSION OF MATURITY DATE</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Borrower requires the Maturity Date to be extended for a further period of 18 months or less (such period, the <b>Proposed Extension Period</b>), then it shall serve a written notice on the Lender requesting such an extension at least 60 days prior to the relevant Maturity Date. The Borrower may only deliver 1 extension request.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Lender shall inform the Borrower in writing at least 30 days prior to the Maturity Date of its decision and, if the Lender has agreed to an extension, the period for which the Lender will extend the Maturity Date (such period, the <b>Approved Extension Period</b>). Each extension shall be subject to the Lender's internal credit approvals. If any additional conditions are attached to the granting of such extension, then the Lender shall set out those conditions in the aforementioned written notice to the Borrower. The Lender is under no obligation to agree to any extension of the Maturity Date for the Facility or to give any reason for refusing such extension.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">9.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Lender issues a notice pursuant to Clause 9.2 confirming the extension of the Maturity Date, then the Maturity Date shall be extended by the Approved Extension Period, save that if any conditions are set out in that notice the satisfaction of which requires an amendment to be made to any Finance Document then any such amendment shall be made (in a form and substance satisfactory to the Lender) in order for the extension of the Maturity Date for the Facility to take effect.</p>
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    <p style="text-align: center;"><b>SECTION 5 </b></p>
    <p style="text-align: center;"><b>COSTS OF UTILISATION</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">10.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>INTEREST</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">10.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Calculation of interest</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Facility Outstandings shall accrue interest at the Relevant Rate, which interest shall accrue on a daily basis (based on a year of 365 days (irrespective of whether the year in question is a leap year)) and shall be compounded monthly in arrears.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">10.2<font style="width: 33.09pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Payment of interest</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall pay accrued interest on the Facility Outstandings on the last Business Day of each month to occur during the Term.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">10.3<font style="width: 33.09pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Default interest</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">10.3.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>If an Obligor fails to pay any amount payable by it under a Finance Document on its due date, interest shall accrue on that Unpaid Sum from the due date up to the date of actual payment (both before and after judgment) at a rate which, subject to Clause 10.3.2, is two per cent. higher than the Relevant Rate (the <b>Default Interest</b>).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">10.3.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any interest accruing under this Clause 10.3 shall be immediately payable by the relevant Obligor on first demand by the Lender.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">10.3.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Default Interest (if unpaid) arising on any Unpaid Sum will be compounded with that Unpaid Sum at the end of each month applicable to that Unpaid Sum but will remain immediately due and payable.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">10.4<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Notification of rates of interest</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Lender shall promptly notify the Borrower of the determination of a rate of interest under this Agreement.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">11.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FEES</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">11.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Structuring and Execution Fee</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.1.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower hereby unconditionally and irrevocably undertakes to pay the Structuring and Execution Fee to the Lender on the earlier to occur of (i) the first Utilisation Date; and (ii) the date falling 10 Business Days after the Closing Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.1.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The obligation of the Borrower to pay the Structuring and Execution Fee in accordance with the provisions of Clause 11.1.1 shall be discharged by the Lender applying an amount equal to the Structuring and Execution Fee of the proceeds of the first Utilisation of the Facility to discharge the Structuring and Execution Fee.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">11.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Commitment Increase Fee</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.2.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Commitment is increased pursuant to the provisions of Clause 3 (Increase in the Commitment), then the Borrower shall, as a condition to each increase and prior to each increase taking effect, pay to the Lender, a fee computed at the rate of one per cent. of the amount by which the Commitment will be increased (each an <b>Increase Fee</b>).</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.2.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Increase Fee payable in terms of Clause 11.2.1 shall be paid in Rand and in immediately available, freely transferrable cleared funds in cash by electronic funds transfer into such account as the Lender may advise the Borrower in writing.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">11.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Commitment Fee</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.3.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower must pay to the Lender a commitment fee computed at the rate of 1.50 per cent. per annum on the Available Amount for the Availability Period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">11.3.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The accrued commitment fee is payable on the last Business Day of each calendar month during the Availability Period, the last day of the Availability Period, and, if cancelled in full, on the cancelled amount of the Commitment at the time the cancellation is effective.</p>
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    <p style="text-align: center;"><b>SECTION 6</b></p>
    <p style="text-align: center;"><b>ADDITIONAL PAYMENT OBLIGATIONS</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">12.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>TAX GROSS-UP AND INDEMNITIES</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Definitions</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.1.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Agreement:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Tax Credit</b> means a credit against, relief or remission for, or repayment of any Tax.</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Tax Deduction</b> means a deduction or withholding for or on account of Tax from a payment under a Finance Document other than a FATCA Deduction.</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Tax Payment</b> means either the increase in a payment made by an Obligor to the Lender under Clause 12.2 (Tax gross-up) or a payment under Clause 12.3 (Tax indemnity).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.1.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless a contrary indication appears, in this Clause 12 a reference to <b>determines</b> or <b>determined</b> means a determination made in the absolute discretion of the person making the determination.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Tax gross-up</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.2.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall make all payments to be made by it free and clear of and without any Tax Deduction, unless a Tax Deduction is required by law.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.2.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall promptly upon becoming aware that it must make a Tax Deduction (or that there is any change in the rate or the basis of a Tax Deduction) notify the Lender accordingly. Similarly, the Lender shall notify the relevant Obligor on becoming so aware in respect of a payment payable to the Lender.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.2.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>If a Tax Deduction is required by law to be made by an Obligor, the amount of the payment due from that Obligor shall be increased to an amount which (after making any Tax Deduction) leaves an amount equal to the payment which would have been due if no Tax Deduction had been required.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.2.4<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>If an Obligor is required to make a Tax Deduction, that Obligor shall make that Tax Deduction and any payment required in connection with that Tax Deduction within the time allowed and in the minimum amount required by law.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.2.5<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Within 30 days of making either a Tax Deduction or any payment required in connection with that Tax Deduction, the relevant Obligor shall deliver to the Lender evidence reasonably satisfactory to the Lender that the Tax Deduction has been made or (as applicable) any appropriate payment paid to the relevant taxing authority.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Tax indemnity</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.3.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall (within three Business Days of demand by the Lender) pay to the Lender an amount equal to the loss, liability or cost which the Lender determines will be or has been (directly or indirectly) suffered for or on account of Tax by the Lender in respect of a Finance Document.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.3.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 12.3.1 shall not apply:</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>with respect to any Tax assessed on the Lender under the law of the jurisdiction in which the Lender is incorporated or, if different, the jurisdiction (or jurisdictions) in which the Lender is treated as resident for tax purposes, if that Tax is imposed on or calculated by reference to the net income received or receivable (but not any sum deemed to be received or receivable) by the Lender; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to the extent that a loss, liability or cost:</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(i)<font style="width: 16.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>is compensated for by an increased payment under Clause 12.2 (Tax gross-up); or</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(ii)<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>relates to a FATCA Deduction required to be made by a Party.</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>Where the Lender makes, or is intending to make a claim under Clause 12.3.2(a), it shall promptly notify the Obligors of the event which will give, or has given, rise to the claim.</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>Where the Lender makes, or intends to make a claim under Clause 12.3.1, it shall promptly notify the Obligors of such claim.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.4<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Tax Credit</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If an Obligor makes a Tax Payment and the Lender determines that:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.4.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>a Tax Credit is attributable either to an increased payment of which that Tax Payment forms part, or to that Tax Payment; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.4.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Lender has obtained, utilised and retained that Tax Credit,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">the Lender shall pay an amount to that Obligor which the Lender determines will leave it (after that payment) in the same after-Tax position as it would have been in had the Tax Payment not been required to be made by that Obligor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.5<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Stamp taxes</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor shall indemnify the Lender against, and shall (within three Business Days of demand) pay to the Lender, any cost, loss or liability that the Lender incurs in relation to all stamp duty, registration and other similar Taxes payable in respect of any Finance Document.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.6<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Value added tax</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.6.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>All amounts set out or expressed to be payable under a Finance Document by an Obligor to the Lender which (in whole or in part) constitute the consideration for a supply or supplies for VAT purposes shall be deemed to be exclusive of any VAT which is chargeable on such supply or supplies, and accordingly if VAT is or becomes chargeable on any supply made by the Lender to an Obligor under a Finance Document, that Obligor shall pay to the Lender (in addition to and at the same time as paying any other consideration for such supply) an amount equal to the amount of such VAT (and the Lender shall promptly provide an appropriate VAT invoice to the Borrower).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.6.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Where a Finance Document requires an Obligor to reimburse or indemnify the Lender for any costs or expenses, that Obligor shall reimburse or indemnify (as the case may be) the Lender for the full amount of such cost or expense, including such part thereof as represents VAT, save to the extent that the Lender reasonably determines that it is entitled to credit or repayment in respect of such VAT from the relevant tax authority.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.6.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Notwithstanding anything to the contrary contained in this Clause 12.6 (Value added tax), each Obligor hereby irrevocably and unconditionally appoints the Lender as its representative and agent to, in its name, place and stead, and for and on its behalf, make payment of all expenses referred to in Clause 16 (Costs and Expenses) directly to such third parties in accordance with Clause 16 (Costs and Expenses), which amounts shall be immediately due and recoverable from the relevant Obligor on demand.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.7<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FATCA Information</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.7.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 12.7.3, each Party shall, within 10 Business Days of a reasonable request by another Party:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>confirm to that other Party whether it is:</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(i)<font style="width: 17.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>a FATCA Exempt Party; or</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(ii)<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>not a FATCA Exempt Party;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>supply to that other Party such forms, documentation and other information relating to its status under FATCA as that other Party reasonably requests for the purposes of that other Party's compliance with FATCA; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>supply to that other Party such forms, documentation and other information relating to its status as that other Party reasonably requests for the purposes of that other Party's compliance with any other law, regulation, or exchange of information regime.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.7.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>If a Party confirms to another Party pursuant to Clause 12.7.1(a) that it is a FATCA Exempt Party and it subsequently becomes aware that it is not or has ceased to be a FATCA Exempt Party, that Party shall notify that other Party reasonably promptly.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.7.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 12.7.1 shall not oblige the Lender to do anything, and Clause 12.7.1(c) shall not oblige any other Party to do anything, which would or might in its reasonable opinion constitute a breach of:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any law or regulation;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any fiduciary duty; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>any duty of confidentiality.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.7.4<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>If a Party fails to confirm whether or not it is a FATCA Exempt Party or to supply forms, documentation or other information requested in accordance with Clause 12.7.1(a) or 12.7.1(b) (including, for the avoidance of doubt, where Clause 12.7.3 applies), then such Party shall be treated for the purposes of the Finance Documents (and payments under them) as if it is not a FATCA Exempt Party until such time as the Party in question provides the requested confirmation, forms, documentation or other information.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">12.8<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FATCA Deduction</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.8.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Party may make any FATCA Deduction it is required to make by FATCA, and any payment required in connection with that FATCA Deduction, and no Party shall be required to increase any payment in respect of which it makes such a FATCA Deduction or otherwise compensate the recipient of the payment for that FATCA Deduction.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">12.8.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Party shall promptly, upon becoming aware that it must make a FATCA Deduction (or that there is any change in the rate or the basis of such FATCA Deduction), notify the Party to whom it is making the payment.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">13.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>INCREASED COSTS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">13.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Increased costs</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">13.1.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clause 13.3 (Exceptions), each Obligor shall, within three Business Days of a demand by the Lender, pay for the account of the Lender the amount of any Increased Costs incurred by the Lender or any of its Affiliates as a result of:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the introduction of or any change in (or in the interpretation, administration or application of) any law or regulation made after the date of this Agreement;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>compliance with any law or regulation made after the date of this Agreement; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>compliance with any aspect of the Basel III Framework (including any national regulation which implements the Basel III Framework) made before or after the date of this Agreement,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">including, without limitation, any such law or regulation (including a Basel III directive) concerning capital adequacy requirements, liquid asset holding requirements, special deposit requirements, prudential limits, reserve assets or Tax.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">13.1.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Agreement:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Increased Costs</b> means:</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(i)<font style="width: 16.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>a reduction in the rate of return from the Facility or on the Lender's (or its Affiliate's) overall capital (including, without limitation, as a result of any reduction in the rate of return on capital brought about by more capital being required to be allocated by the Lender);</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(ii)<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>an additional or increased cost; or</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iii)<font style="width: 12.22pt; text-indent: 0pt; display: inline-block;">&#160;</font>a reduction of any amount due and payable under any Finance Document,</p>
    <p style="margin-left: 102.05pt; text-align: justify;">which is incurred or suffered by the Lender or any of its Affiliates to the extent that it is attributable to the Lender having entered into the Finance Documents or funding or performing its obligations under any Finance Document;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Basel III Framework</b> means:</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(i)<font style="width: 16.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>the agreements on capital requirements, a leverage ratio and liquidity standards contained in "Basel III: A global regulatory framework for more resilient banks and banking systems", "Basel III: International framework for liquidity risk measurement, standards and monitoring" and "Guidance for national authorities operating the countercyclical capital buffer" published by the Basel Committee on Banking Supervision in December 2010, each as amended, supplemented or restated;</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(ii)<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>the rules for global systemically important banks contained in "Global systemically important banks: assessment methodology and the additional loss absorbency requirement - Rules text" published by the Basel Committee on Banking Supervision in November 2011, as amended, supplemented or restated; and</p>
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    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iii)<font style="width: 12.22pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other guidance, standards or directives published by the Basel Committee on Banking Supervision relating to "Basel III".</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">13.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Increased cost claims</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">13.2.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Lender intends making a claim pursuant to Clause 13.1 (Increased costs) it shall notify the Borrower of the event giving rise to the claim.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">13.2.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Lender shall, as soon as practicable after a demand by the Borrower, provide a certificate confirming the amount of its Increased Costs.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">13.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Exceptions</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">13.3.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 13.1 (Increased costs) does not apply to the extent any Increased Cost is:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>attributable to a Tax Deduction required by law to be made by an Obligor;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>compensated for by Clause 12.3 (Tax indemnity) (or would have been compensated for under Clause 12.3 (Tax indemnity) but was not so compensated solely because any of the exclusions in Clause 12.3.2 applied); or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>attributable to the wilful breach by the Lender or its Affiliates of any law or regulation.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">13.3.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Clause 13.3, a reference to a <b>Tax Deduction</b> has the same meaning given to the term in Clause 12.1 (Definitions).</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">14.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>OTHER INDEMNITIES</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">14.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Other indemnities</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor shall indemnify the Lender against, and shall (within three Business Days of demand) pay to the Lender, any properly evidenced cost, loss or liability incurred by the Lender directly as a result of:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.1.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the occurrence of any Default;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.1.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the information produced or approved by an Obligor under or in connection with the Finance Documents being or being alleged to be misleading and/or deceptive in any respect;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.1.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any enquiry, investigation, subpoena (or similar order) or litigation with respect to an Obligor or with respect to the transactions contemplated or financed under this Agreement;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.1.4<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>a failure by an Obligor to pay any amount due under a Finance Document on its due date;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.1.5<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>funding, or making arrangements to fund, the Loan requested by the Borrower in a Utilisation Request but not made by reason of the operation of any one or more of the provisions of this Agreement (other than by reason of wilful default or gross negligence by the Lender); or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.1.6<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Loan (or part of the Loan) not being prepaid in accordance with the terms of this Agreement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">14.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall indemnify the Lender, each Affiliate of the Lender and each officer or employee of the Lender or its Affiliate, against, and shall within three Business Days of demand pay to the Lender, any cost, loss or liability incurred by the Lender or its Affiliate (or officer or employee of the Lender or Affiliate) in connection with or arising out of the use of proceeds under the Facility or Transaction Security being taken over the Secured Property (including but not limited to those incurred in connection with any litigation, arbitration or administrative proceedings or regulatory enquiry concerning the use of proceeds under the Facility), unless such loss or liability is caused by the gross negligence or wilful misconduct of the Lender or its Affiliate (or employee or officer of the Lender or Affiliate). Any Affiliate or any officer or employee of the Lender or its Affiliate may rely on this Clause 14.2.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">14.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental Indemnity</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor agrees to indemnify the Lender and its officers and employees (together the <b>Indemnified Parties</b>) against any properly evidenced loss or liability (other than any consequential cost, loss or liability) suffered or incurred by that Indemnified Party (except to the extent caused by such Indemnified Party's own gross negligence or wilful default) which:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.3.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>arises by virtue of any actual breach of any Environmental Law whether by an Obligor or any other person; or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">14.3.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>arises in connection with an Environmental Claim,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">which relates to any member of the Wider Group, any assets of any member of the Wider Group or the operation of all or part of the business of any member of the Wider Group and which would not have arisen if the Finance Documents or any of them had not been executed by the Lender.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">15.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>MITIGATION BY THE LENDER</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">15.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Mitigation</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">15.1.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Lender shall, in consultation with the Borrower, take all reasonable steps to mitigate any circumstances which arise and which would result in any amount becoming payable under or pursuant to, or cancelled pursuant to, any of Clause 8.1 (Illegality), Clause 12 (Tax Gross-Up and Indemnities) or Clause 13 (Increased Costs).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">15.1.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 15.1.1 does not in any way limit the obligations of the Borrower under the Finance Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">15.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Limitation of liability</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">15.2.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor hereby indemnifies the Lender against, and shall promptly pay to the Lender, all costs and expenses incurred by the Lender as a result of steps taken by it under Clause 15.1 (Mitigation).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">15.2.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Lender is not obliged to take any steps under Clause 15.1 (Mitigation) if, in the opinion of the Lender:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any law or regulation would not allow or permit it; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to do so might be prejudicial to it.</p>
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    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">16.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>COSTS AND EXPENSES</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">16.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Transaction expenses</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall promptly on demand pay the Lender the amount of all costs and expenses reasonably incurred by it in connection with the negotiation, preparation, printing and execution of:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.1.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Transaction Security, this Agreement and any other documents referred to in this Agreement; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.1.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other Finance Documents executed after the date of this Agreement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">16.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Amendment costs</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.2.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>If an Obligor requests an amendment, waiver or consent, the Borrower shall, within three Business Days of demand, reimburse the Lender for the amount of all costs and expenses (including legal fees) reasonably incurred by the Lender in responding to, evaluating, negotiating or complying with that request or requirement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">16.2.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>If there is any change in law or any regulation which requires an amendment, waiver or consent under the Finance Documents, the Borrower shall, within three Business Days of demand, reimburse the Lender for the amount of all costs and expenses (including legal fees) reasonably incurred by the Lender in connection with evaluating, negotiating or complying with any such requirement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">16.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Enforcement costs</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall, within three Business Days of demand, pay to the Lender the amount of all costs and expenses (including legal fees on the scale as between attorney and own client whether incurred before or after judgement) incurred by the Lender in connection with the enforcement of, or the preservation of any rights under, any Finance Document.</p>
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    <p style="text-align: center;"><b>SECTION 7 </b></p>
    <p style="text-align: center;"><b>GUARANTEE</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">17.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GUARANTEE AND INDEMNITY</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">17.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Guarantee and indemnity</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Guarantor irrevocably and unconditionally, jointly and severally, as a principal obligor and not merely as a surety and on the basis of discrete obligations enforceable against it:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.1.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>guarantees to the Lender punctual performance by each other Obligor of all that Obligor's obligations under the Finance Documents;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.1.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>undertakes with the Lender that whenever another Obligor does not pay any amount when due under or in connection with any Finance Document, it shall immediately on demand pay that amount as if it was the principal obligor; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.1.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>agrees with the Lender that if any obligation guaranteed by it is or becomes unenforceable, invalid or illegal, it will, as an independent and primary obligation, indemnify the Lender immediately on demand against any cost, loss or liability it incurs as a result of an Obligor not paying any amount which would, but for such unenforceability, invalidity or illegality, have been payable by it under any Finance Document on the date when it would have been due. The amount payable by an Obligor under this indemnity will not exceed the amount it would have had to pay under this Clause 17 if the amount claimed had been recoverable on the basis of a guarantee.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">17.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Continuing guarantee</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">This guarantee is a continuing guarantee and will extend to the ultimate balance of sums payable by the Obligors under the Finance Documents, regardless of any intermediate payment or discharge in whole or in part.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">17.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Reinstatement</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If any discharge, release or arrangement (whether in respect of the obligations of any Obligor or any security for those obligations or otherwise) is made by the Lender in whole or in part on the basis of any payment, security or other disposition which is avoided or must be restored in insolvency, business rescue proceedings, liquidation, winding-up or otherwise, without limitation, then the liability of each Guarantor under this Clause 17 will continue or be reinstated as if the discharge, release or arrangement had not occurred and the Lender shall be entitled to recover the value or amount of that security or payment from each Obligor, as if the discharge, release or arrangement had not occurred.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">17.4<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Waiver of defences</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The obligations of each Guarantor under this Clause 17 will not be affected by an act, omission, matter or thing which, but for this Clause, would reduce, release or prejudice any of its obligations under this Clause 17 (without limitation and whether or not known to it or the Lender) including:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.4.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any time, waiver or consent granted to, or composition with, any Obligor or other person;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.4.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the release of any Obligor or any other person under the terms of any composition or arrangement with any creditor of any member of the Group;</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.4.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the taking, variation, compromise, exchange, renewal or release of, or refusal or neglect to perfect, execute, take up or enforce, any rights against, or security over assets of, any Obligor or other person or any non-presentation or non- observance of any formality or other requirement in respect of any instrument or any failure to realise the full value of any security;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.4.4<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any incapacity or lack of power, authority or legal personality of or dissolution or change in the members or status of any Obligor or any other person;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.4.5<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any amendment, novation, supplement, extension, restatement (however fundamental and whether or not more onerous) or replacement of any Finance Document or any other document or security including, without limitation, any change in the purpose of, any extension of or any increase in any facility or the addition of any new facility under any Finance Document or other document or security;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.4.6<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any unenforceability, illegality, invalidity, suspension or cancellation of any obligation of any person under this Agreement or any other Finance Document or any other document or security;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.4.7<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any insolvency, liquidation, winding-up, business rescue or similar proceedings (including, but not limited to, receipt of any distribution made under or in connection with those proceedings);</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.4.8<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>this Agreement or any other Finance Document not being executed by or binding against any Obligor or any other party; or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.4.9<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any other fact or circumstance arising on which an Obligor might otherwise be able to rely on a defence based on prejudice, waiver or estoppel.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">17.5<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Guarantor intent</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Without prejudice to the generality of Clause 17.4 (Waiver of defences), each Guarantor expressly confirms that it intends that this guarantee shall extend from time to time to any (however fundamental) variation, increase, extension or addition of or to any of the Finance Documents and/or any facility or amount made available under any of the Finance Documents for the purposes of or in connection with any of the following: business acquisitions of any nature; increasing working capital; enabling investor distributions to be made; carrying out restructurings; refinancing existing facilities; refinancing any other indebtedness; making facilities available to new borrowers; any other variation or extension of the purposes for which any such facility or amount might be made available from time to time; and any fees, costs and/or expenses associated with any of the foregoing.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">17.6<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Immediate recourse</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Guarantor waives any right it may have of first requiring the Lender (or any trustee or agent on its behalf) to proceed against or enforce any other rights or security or claim payment from any person before claiming from that Guarantor under this Clause 17. This waiver applies irrespective of any law or any provision of a Finance Document to the contrary.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">17.7<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Appropriations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Until all amounts which may be or become payable by the Obligors under or in connection with the Finance Documents have been irrevocably paid in full, the Lender (or any trustee or agent on its behalf) may:</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.7.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>refrain from applying or enforcing any other moneys, security or rights held or received by the Lender (or agent or other person on its behalf) in respect of those amounts, or apply and enforce the same in such manner and order as it sees fit (whether against those amounts or otherwise) and an Obligor shall not be entitled to the benefit of the same; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.7.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>hold in an interest-bearing suspense account any moneys received from each Guarantor or on account of that Guarantor's liability under this Clause 17.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">17.8<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Deferral of Guarantors' rights</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Until all amounts which may be or become payable by the Obligors under or in connection with the Finance Documents have been irrevocably paid in full and unless the Lender otherwise directs, each Guarantor will not exercise any rights which it may have by reason of performance by it of its obligations under the Finance Documents or by reason of any amount being payable, or liability arising, under this Clause 17:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.8.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>to be indemnified by an Obligor;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.8.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>to claim any contribution from any other guarantor of or provider of security for the Borrower's obligations under the Finance Documents;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.8.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>to take the benefit (in whole or in part and whether by way of subrogation, cession of action or otherwise) of any rights of the Lender under the Finance Documents or of any other guarantee or security taken pursuant to, or in connection with, the Finance Documents by the Lender;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.8.4<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>to bring legal or other proceedings for an order requiring an Obligor to make any payment, or perform any obligation, in respect of which that Obligor has given a guarantee, undertaking or indemnity under Clause 17.1 (Guarantee and indemnity);</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.8.5<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>to exercise any right of set-off against any Obligor; and/or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">17.8.6<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>to claim, rank, prove or vote as a creditor or shareholder of an Obligor in competition with the Lender.</p>
    <p style="margin-left: 51.05pt; text-align: justify;">If a Guarantor receives any benefit, payment or distribution in relation to such rights, it shall hold that benefit, payment or distribution to the extent necessary to enable all amounts which may be or become payable to the Lender by the Obligors under or in connection with the Finance Documents to be repaid in full on trust for, or otherwise for the benefit of, the Lender and shall promptly pay or transfer the same to the Lender or as the Lender may direct for application in accordance with Clause 24 (Payment Mechanics).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">17.9<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Additional security</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">This guarantee is in addition to and is not in any way prejudiced by any other guarantee or security now or subsequently held by the Lender.</p>
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    <p style="text-align: center;"><b>SECTION 8 </b></p>
    <p style="text-align: center;"><b>REPRESENTATIONS, UNDERTAKINGS AND EVENTS OF DEFAULT</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">18.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>REPRESENTATIONS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor makes the representations and warranties set out in this Clause 18 to the Lender.&#160; A reference in this Clause to "it" or "its" includes, unless the context otherwise requires, each Obligor.&#160; The Lender has entered into the Finance Documents to which it is a party on the strength of, and relying on, the representations and warranties set out below, each of which shall be deemed to be a separate representation and warranty given without prejudice to any other representation or warranty and deemed to be a material representation inducing the Lender to enter into the Finance Documents to which it is a party.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor recognises and agrees that the Lender would not have entered into this Agreement and/or the other Finance Documents to which it is a party but for the representations and warranties contained in this Agreement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Status</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.3.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is a limited liability corporation, duly incorporated and validly existing under the laws of its jurisdiction of incorporation.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.3.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>It has the power to own its assets and carry on its business as it is being conducted.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.4<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Binding obligations</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.4.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The obligations expressed to be assumed by it in each Finance Document to which it is a party are legal, valid, binding and enforceable obligations.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.4.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Without limiting the generality of Clause 18.4.1, each Security Document to which it is a party creates the security interests which that Security Document purports to create and those security interests are valid and effective.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.5<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Non-conflict with other obligations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The entry into and performance by it, and the transactions contemplated by, the Finance Documents and the granting of the Transaction Security do not and will not conflict with:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.5.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any law or regulation applicable to it;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.5.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the constitutional documents of any member of the Group; or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.5.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any agreement or instrument binding upon it or any member of the Group or any of its or any member of the Group's assets or constitute a default or termination event (however described) under any such agreement or instrument.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.6<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Power and authority</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.6.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>It has the power to enter into, perform and deliver, and has taken all necessary action to authorise its entry into, performance and delivery of, the Finance Documents to which it is or will be a party and the transactions contemplated by those Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.6.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>No limit on its powers will be exceeded as a result of the borrowing, granting of security or giving of guarantees or indemnities contemplated by the Finance Documents to which it is a party.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.7<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Validity and admissibility in evidence</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.7.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>All Authorisations required or desirable:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to enable it lawfully to enter into, exercise its rights and comply with its obligations in the Finance Documents to which it is a party; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to make the Finance Documents to which it is a party admissible in evidence in its jurisdiction of incorporation;</p>
    <p style="margin-left: 76.55pt; text-align: justify;">have been obtained or effected and are in full force and effect.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.7.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>All Authorisations necessary for the conduct of its business, trade and ordinary activities have been obtained or effected and are in full force and effect.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.8<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Governing law and enforcement</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.8.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The choice of the governing law of each Finance Document will be recognised and enforced in its jurisdiction of incorporation.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.8.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any judgment obtained in relation to a Finance Document in the jurisdiction of the governing law of that Finance Document will be recognised and enforced in its jurisdiction of incorporation.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.9<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Insolvency and Financial Distress</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.9.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>No:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>corporate action, legal proceeding or other procedure or step described in Clause 22.7 (Insolvency and business rescue proceedings); or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>creditors' process described in Clause 22.8 (Creditors' process),</p>
    <p style="margin-left: 76.55pt; text-align: justify;">has been taken or, to the knowledge of the Borrower, threatened in relation to any Obligor or member of the Group other than Cash Connect Collateral Rentals Holding Trust (Masters reference number IT3206/2011) and Cash Connect Management Solutions Employee Incentive Trust (Masters reference number IT2102/2021) and none of the circumstances described in Clause 22.6 (Insolvency) applies to any Obligor or member of the Group.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.9.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Obligor is Financially Distressed (as defined in the Companies Act).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.10<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No filing or stamp taxes</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Under the laws of its jurisdiction of incorporation it is not necessary that the Finance Documents be filed, recorded or enrolled with any court or other authority in that jurisdiction or that any stamp, registration notarial or similar Tax or fees be paid on or in relation to the Finance Documents or the transactions contemplated by the Finance Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.11<font style="width: 29.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Deduction of Tax</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">It is not required to make any deduction for or on account of Tax from any payment it may make under any Finance Document.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.12<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No default</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.12.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Event of Default and, on the date of this Agreement and the Closing Date, no Default is continuing or is reasonably likely be expected to result from the making of any Loan or the entry into, the performance of or any transaction contemplated by, any Finance Document.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.12.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>No other event or circumstance is outstanding which constitutes (or, with the expiry of a grace period, the giving of notice, the making of any determination or any combination of any of the foregoing, would constitute) a default or termination event (howsoever described) under any other agreement or instrument which is binding on it or any of its Subsidiaries or which its (or any of its Subsidiaries') assets are subject which has or is reasonably likely to have a Material Adverse Effect.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.13<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No misleading information</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.13.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>All information supplied by or on behalf of an Obligor to the Lender under or in connection with the Finance Documents is true, complete and accurate in all material respects as at the date it was given and is not misleading in any respect.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.13.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>No event or circumstance has occurred or arisen and no information has been omitted from all information provided to the Lender by or on behalf of any Obligor in connection with the Finance Documents and no information has been given or withheld that results in the information provided to the Lender by or on behalf of any Obligor or any other member of the Group in connection with the Finance Documents being untrue or misleading in any respect.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.13.3<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>No information has been given or withheld by any Obligor or any other member of the Group which, if disclosed, is reasonably likely to result in the information or projections referred to above being untrue or misleading in any respect.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.14<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial statements</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.14.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Original Financial Statements were prepared in accordance with IFRS consistently applied.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.14.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>The audited Original Financial Statements fairly present its financial condition and its results of operations during the relevant financial year.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.14.3<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>There has been no material adverse change in its asset, business or financial condition (or the assets, business or consolidated financial condition of the Group) since the date of the Original Financial Statements.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.14.4<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Its most recent financial statements delivered pursuant to Clause 19.1 (Financial statements):</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>have been prepared in accordance with IFRS or IFRS for SMEs (as applicable) as applied to the Original Financial Statements; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;"><font style="color: #0000ff;">(b)</font><font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>fairly present its consolidated financial condition as at the end of, and its consolidated results of operations for, the period to which they relate.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.14.5<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>The budgets and forecasts supplied under this Agreement were arrived at after careful consideration and have been prepared in good faith on the basis of recent historical information and on the basis of assumptions which were reasonable as at the date they were prepared and supplied.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.15<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><i><b>Pari passu</b></i><b> ranking</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor's payment obligations under the Finance Documents rank at least <i>pari passu</i> with the claims of all its other unsecured and unsubordinated creditors, except for obligations mandatorily preferred by law applying to companies generally.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.16<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No proceedings</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Except as expressly set out in Schedule 9 (Disclosure Schedule):</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.16.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>no litigation, arbitration or administrative proceedings or investigations of or before any court, arbitral body or agency have (to the best of its knowledge and belief, having made due and careful enquiry) been started or threatened against it or any of its Subsidiaries;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.16.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>no judgment or order of a court, arbitral body or agency has (to the best of its knowledge and belief, having made due and careful enquiry) been made against it or any of its Subsidiaries which remains outstanding.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.17<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No breach of laws</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.17.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>It has not (and no member of the Group has) breached any law or regulation which breach has or is reasonably likely to have a Material Adverse Effect.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.17.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>No labour disputes are current or, to the best of its knowledge and belief (having made due and careful enquiry), threatened against any member of the Group which have or are reasonably likely to have a Material Adverse Effect.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.18<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental laws</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.18.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each member of the Group is in compliance with Clause 21.3 (Environmental compliance) and (to the best of its knowledge and belief, having made due and careful enquiry) no circumstances have occurred which would prevent such compliance in a manner or to an extent which has or is reasonably likely to have a Material Adverse Effect.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.18.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Environmental Claim has commenced or (to the best of its knowledge and belief (having made due and careful enquiry)) is threatened against member of the Group where that claim has or is reasonably, if determined against that member of the Group, to have a Material Adverse Effect.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.19<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Taxation</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.19.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is not (and no member of the Group is) materially overdue in the filing of any Tax returns and it is not (and no member of the Group is) overdue in the payment of any amount in respect of Tax.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.19.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>No claims or investigations are being, or are reasonably likely to be, made or conducted against it (or any member of the Group) with respect to Taxes.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.19.3<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is resident for Tax purposes only in its jurisdiction of incorporation.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.20<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Anti-corruption law</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Except as expressly set out in Schedule 9 (Disclosure Schedule), each member of the Group has conducted its businesses in compliance with applicable anti-corruption laws and has instituted and maintained policies and procedures designed to promote and achieve compliance with such laws.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.21<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Security and Financial Indebtedness</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Except as expressly set out in Schedule 9 (Disclosure Schedule) or granted pursuant to the Cash Connect Management Finance Documents:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.21.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>no Security or Quasi-Security exists over all or any of the present or future assets of any Obligor other than as permitted by this Agreement;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.21.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>no Obligor has any Financial Indebtedness outstanding other than as permitted by this Agreement;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.21.3<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>each Security Document validly creates the security interest which is expressed to be created by that Security Document.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.22<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Ranking</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Transaction Security has first ranking priority and the Secured Property is not subject to any prior ranking or <i>pari passu</i> ranking Security.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.23<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctions</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor is (and no member of the Group is) party to or participates in any Sanctioned Transaction, has contravened any Sanctions or is targeted under any Sanctions.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.24<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Good title to assets</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">It and each of its Subsidiaries has good, valid and marketable title to, or valid leases or licences of, and all appropriate Authorisations to use, the assets necessary to carry on its business as presently conducted.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.25<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Legal and beneficial ownership</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">It and each of its Subsidiaries is the sole legal and beneficial owner of the respective assets over which it purports to grant Security.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.26<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Shares</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.26.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>The shares of any member of the Group which are subject to the Transaction Security are fully paid and not subject to any option to purchase or similar rights which have not been waived.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.26.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>The constitutional documents of companies whose shares are subject to the Transaction Security do not and could not restrict or inhibit any transfer of those shares on creation or enforcement of the Transaction Security.&#160;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.26.3<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>There are no agreements in force which provide for the issue or allotment of, or grant any person the right to call for the issue or allotment of, any share or loan capital of any member of the Group (including any option or right of pre-emption or conversion) other than under the management incentive scheme approved by the Lender.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.27<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial year-end</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The financial year end of each Obligor is the last day of June of each year.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.28<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No adverse consequences</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.28.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is not necessary under the laws of its jurisdiction of incorporation:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>in order to enable the Lender to enforce its rights under any Finance Document; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>by reason of the execution of any Finance Document or the performance by it of its obligations under any Finance Document,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">that the Lender should be licensed, qualified or otherwise entitled to carry on business in any of its jurisdiction of incorporation.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.28.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Lender is not or will not be deemed to be resident, domiciled or carrying on business in its jurisdiction of incorporation by reason only of the execution, performance and/or enforcement of any Finance Document.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">18.29<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Times when representations made</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.29.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>All the representations and warranties in this Clause 18 are made by each Obligor on the date of this Agreement.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.29.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>All the representations and warranties in this Clause 18 are deemed to be made by each Obligor on the Closing Date.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.29.3<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Repeating Representations are deemed to be made by each Obligor:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>on the date of the Utilisation Request;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>on the Utilisation Date; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>on the first day of each Interest Period.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">18.29.4<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each representation or warranty deemed to be made after the date of this Agreement shall be deemed to be made by reference to the facts and circumstances existing at the date the representation or warranty is deemed to be made.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">19.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>INFORMATION UNDERTAKINGS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">The undertakings in this Clause 19 remain in force from the date of this Agreement for so long as any amount is outstanding under the Finance Documents or the Commitment is in force.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial statements</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower undertakes to supply to the Lender:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.1.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>as soon as the same become available, but in any event within 180 days after the end of each of its financial years, its audited financial statements for that financial year; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.1.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>as soon as they are available, but in any event within 75 days after the end of each quarter of each of its financial years (other than those for the fourth quarter of any financial year which shall be provided within 90 days after the end of that quarter), its quarterly management accounts (which shall include, without limitation, a cash flow statement, income statement and balance sheet on a year-to-year basis) for that quarter on a consolidated basis for that quarter as well as a cash flow statement, income statement and balance sheet on a year-to-year basis for each other Obligor.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Compliance Certificate</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.2.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall deliver to the Lender:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>with each set of financial statements and management accounts delivered pursuant to Clause 19.1 (Financial statements), a Compliance Certificate setting out (in reasonable detail), computations as to compliance with Clause 20 (Financial Covenants)Loan originationas at each Measurement Date and each date at which those financial statements or management accounts, as applicable, were drawn up; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>within five Business Days of request by the Lender, a Compliance Certificate setting out (in reasonable detail), computations as to compliance with Clause 20 (Financial Covenants) as at the date set out in the request delivered by the Lender.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.2.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Compliance Certificate shall be signed by two directors of the Borrower one of whom shall be the chief financial officer or the chief executive officer of the Borrower and, in relation to each set of financial statements delivered pursuant to Clause 19.1.1, by the Auditors.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Requirements as to financial statements</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.3.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each set of financial statements and management accounts delivered by the Borrower pursuant to Clause 19.1 (Financial statements) shall be certified by the chief financial officer and the chief executive officer of the Borrower, as fairly representing its financial condition as at the date as at which those financial statements or management accounts were drawn up.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.3.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower shall procure that each set of financial statements and management accounts delivered pursuant to Clause 19.1 (Financial statements) is prepared using IFRS, accounting practices and financial reference periods consistently applied unless, in relation to any set of financial statements or management accounts, it notifies the Lender that there has been a change in IFRS, the accounting practices or reference periods and the Auditors deliver to the Lender a description of any change necessary for those financial statements to reflect IFRS, accounting practices and reference periods provided that such change cannot be made without the prior written consent of the Lender.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.4<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Board Packs</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower shall, on request by the Lender, deliver to the Lender, at the same time they are distributed to the board of directors, copies of all board packs submitted to the relevant board of directors of an Obligor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.5<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Information: miscellaneous</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Each Obligor shall supply to the Lender:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.5.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>copies all documents dispatched by an Obligor to:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>its creditors generally (or any class of them); or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>its shareholders (or any class of them) generally pursuant to any applicable law or regulation,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">at the same time as they are dispatched;</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.5.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>promptly upon becoming aware of them, details and copies of any changes proposed to or made to its constitutional documents or the constitutional documents of it or any other Obligor (including the filing of any Memorandum of Incorporation under the Companies Act), where such changes do, or are reasonably likely to, adversely affect the interests of the Lender;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.5.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>promptly upon becoming aware of them, the details of any litigation, arbitration, administrative proceedings, liquidation applications, winding up applications or business rescue applications which are current, threatened or pending against it, or any other member of the Group, and, in the case of any litigation, arbitration or administrative proceedings, involve liability in an aggregate amount which (together with any other liability in respect of litigation, arbitration or administrative proceedings) is in excess of R10,000,000; and;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.5.4<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>promptly upon becoming aware of them, the details of any judgment or order of a court, arbitral body or agency which is made against any Obligor;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.5.5<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>promptly, such information as the Lender may reasonably require about the Secured Property and compliance of any Obligors with the terms of any Security Documents;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.5.6<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>promptly, such further information regarding the financial condition, business and operations of it or any other member of the Group&#160; as the Lender may reasonably request;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.5.7<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>promptly, notice of any change in authorised signatories of it signed by a director or company secretary of it accompanied by specimen signatures of any new authorised signatories;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.5.8<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>promptly upon request, such additional information or documentation as the Lender may reasonably require.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.6<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Auditors</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor shall change its auditors from those retained by it as at the date of this Agreement unless the auditor so appointed is an Auditor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.7<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Notification of default</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.7.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor shall notify the Lender of any Default (and the steps, if any, being taken to remedy it) promptly upon becoming aware of its occurrence.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.7.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Promptly upon a request by the Lender, the Borrower shall supply to the Lender a certificate signed by 2 of its directors or senior officers on its behalf certifying that no Default is continuing (or if a Default is continuing, specifying the Default and the steps, if any, being taken to remedy it).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">19.8<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>"Know your customer" checks</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.8.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the introduction of or any change in (or in the interpretation, administration or application of) any law or regulation made after the date of this Agreement;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.8.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the on-going compliance with any know your customer or similar identification procedures;</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.8.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any change in the status of an Obligor or the composition of the shareholders of an Obligor after the date of this Agreement; or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">19.8.4<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>a proposed Transfer by the Lender of any of its rights and/or obligations under this Agreement,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">obliges the Lender (or, in the case of Clause 19.8.4, any prospective new Lender) to comply with "<i>know your customer</i>" or similar identification procedures whether in terms of the Financial Intelligence Centre Act, 2001 or otherwise) in circumstances where the necessary information is not already available to it, the Borrower shall promptly upon the request of the Lender supply, or procure the supply of, such documentation and other evidence as is requested by the Lender (for itself or, in the case of the event described in Clause 19.8.4, on behalf of any prospective new Lender) in order for the Lender or, in the case of the event described in Clause 19.8.4, any prospective new Lender to carry out and be satisfied it has complied with all necessary "know your customer" or other similar checks under all applicable laws and regulations pursuant to the transactions contemplated in the Finance Documents.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">20.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FINANCIAL COVENANTS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial condition</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower and K2020 shall ensure that at all times during the Term the Capital Adequacy Ratio is greater than 20 per cent.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">20.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial testing</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The financial covenants set out in Clause 20.1 (Financial condition) shall be calculated in accordance with IFRS and tested on each Measurement Date, by reference to the financial statements and management accounts delivered pursuant to Clause 19.1 (Financial statements) and each Compliance Certificate delivered pursuant to Clause 19.2 (Compliance Certificate).</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">21.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GENERAL UNDERTAKINGS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">The undertakings in this Clause 21 remain in force from the date of this Agreement for so long as any amount is outstanding under the Finance Documents or the Commitment is in force.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Authorisations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower and K2020 shall promptly:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.1.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>obtain, comply with and do all that is necessary to maintain in full force and effect; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.1.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>supply certified copies to the Lender of,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">any Authorisation required under any law or regulation of its jurisdiction of incorporation to:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>enable it to perform its obligations under the Finance Documents;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>ensure the legality, validity, enforceability or admissibility in evidence of any Finance Document, and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>carry on its business where failure to do so has or is reasonably likely to have a Material Adverse Effect.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Compliance with laws</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower and K2020 shall comply in all respects with all laws to which it may be subject, and obtain and comply with all permits and licenses, in each case, either (a) to the extent the same are material to the conduct of its business, or (b) if failure so to comply has or is reasonably likely to have a Material Adverse Effect.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental compliance</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower and K2020 shall:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.3.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>comply with all Environmental Laws;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.3.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>obtain, maintain and ensure compliance with all requisite Environmental Permits; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.3.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>implement procedures to monitor compliance with and to prevent liability under any Environmental Laws,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">where failure to do so has or is reasonably likely to have a Material Adverse Effect.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.4<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Environmental claims</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower and K2020 shall promptly upon becoming aware of the same, inform the Lender in writing of:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.4.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Environmental Claim against any member of the Group which is current, pending or threatened; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.4.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any facts or circumstances which are reasonably likely to result in any Environmental Claim being commenced or threatened against any member of the Group,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">where the claim, if determined against that member of the Group, has or might reasonably be expected to have a Material Adverse Effect or result in a financial liability for the Lender.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.5<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Anti-corruption law</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.5.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower and K2020 shall not (and shall ensure that no other member of the Group will) directly or indirectly use the proceeds of the Facilities for any purpose which would breach the Prevention and Combatting of Corrupt Activities Act, 2004, the United Kingdom Bribery Act 2010, the United States Foreign Corrupt Practices Act of 1977 or other similar legislation in other jurisdictions.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.5.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower and K2020 shall (and shall ensure that each other member of the Group will):</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>conduct its businesses in compliance with applicable anti-corruption laws; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>maintain policies and procedures designed to promote and achieve compliance with such laws.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.6<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Sanctions</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.6.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower and K2020 shall not (and shall ensure that no other member of the Group will):</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>contravene any Sanctions;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>be a party to or participate in a Sanctioned Transaction in any manner.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.6.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower and K2020 shall (and shall ensure that each other member of the Group will) maintain and implement policies and procedures designed to prevent it from being or becoming involved in a Sanctioned Transaction.&#160;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.7<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Taxation</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.7.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower and K2020 shall (and shall ensure that each member of the Group will) pay and discharge all Taxes imposed upon it or its assets within the time period allowed without incurring penalties unless and only to the extent that:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>such payment is being contested in good faith;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>adequate reserves are being maintained for those Taxes and the costs required to contest them which have been disclosed in its latest financial statements delivered to the Lender under Clause 19.1 (Financial statements); and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>such payment can be lawfully withheld.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.7.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>No member of the Group may change its residence for Tax purposes.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.8<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Merger</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor shall (and shall ensure that no other member of the Group will) enter into any amalgamation, demerger, merger, consolidation or corporate reconstruction other than with the express prior consent of the Lender.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.9<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Change of business</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower and K2020 shall procure that no substantial change is made to the general nature of its business from that carried on as at the date of this Agreement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.10<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Acquisitions</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Neither the Borrower nor K2020 shall acquire or subscribe for shares or other ownership interests in or securities of any company or other person, acquire any business or incorporate any company or other person without the prior written consent of the Lender.&#160;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.11<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Joint venture</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Neither the Borrower nor K2020 shall without the prior written consent of the Lender:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.11.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>enter into, invest in or acquire (or agree to acquire) any shares, stocks, securities or other interest in any Joint Venture, whether incorporated or unincorporated; or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.11.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>transfer any assets or lend to or guarantee or give an indemnity for or give Security for the obligations of a Joint Venture or maintain the solvency of or provide working capital to any Joint Venture (or agree to do any of the foregoing).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.12<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Preservation of assets</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower and K2020 shall maintain in good working order and condition (ordinary wear and tear excepted) all of its assets necessary or desirable in the conduct of its business.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.13<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Pari passu ranking</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower and K2020 shall ensure that at all times any claims of the Lender against each Obligor under the Finance Documents rank at least <i>pari passu</i> with the claims of all of the Borrower's and K2020's unsecured and unsubordinated creditors except those creditors whose claims are mandatorily preferred by applicable law.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.14<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Insurance</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.14.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Borrower and K2020 shall maintain insurances on and in relation to its business and assets against those risks and to the extent as is usual for companies carrying on the same or substantially similar business.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.14.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>All insurances must be with reputable independent insurance companies or underwriters.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.15<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Negative pledge</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.15.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>In this Clause 21.11.2, <b>Quasi-Security</b> means an arrangement or transaction described in Clause 21.15.3.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.15.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Neither the Borrower nor K2020 shall create or permit to subsist any Security or Quasi-Security over any of its assets.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.15.3<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Neither the Borrower nor K2020 shall:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>sell, transfer or otherwise dispose of any of its assets on terms whereby they are or may be leased to or re-acquired by any other member of the Group;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>sell, transfer or otherwise dispose of any of its receivables on recourse terms;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>enter into or permit to subsist any title retention arrangement;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>enter into or permit to subsist any arrangement under which money or the benefit of a bank or other account may be applied, set-off or made subject to a combination of accounts; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(e)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>enter into or permit to subsist any other preferential arrangement having a similar effect,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">in circumstances where the arrangement or transaction is entered into primarily as a method of raising Financial Indebtedness or of financing the acquisition of an asset.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.15.4<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clauses 21.15.1 and 21.15.3 do not apply to any Security or (as the case may be) Quasi-Security listed below:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Security or Quasi-Security constituted by the Security Documents;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any netting or set-off arrangement entered into by the Borrower or K2020 in the ordinary course of its banking arrangements for the purpose of netting debit and credit balances;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>any lien arising by operation of law and in the ordinary course of trading; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Security securing or Quasi-Security entered into with the prior written consent of the Lender.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.16<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disposals</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.16.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Neither the Borrower nor K2020 shall enter into a single transaction or a series of transactions (whether related or not) and whether voluntary or involuntary to sell, lease, transfer or otherwise dispose of any asset.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.16.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 21.16.1 does not apply to a disposal:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>of Non-Performing Loans made in the ordinary course of trading of the disposing entity;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>of assets in exchange for other assets comparable or superior as to type, value and quality; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>made with the prior written consent of the Lender.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.17<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Loans or credit</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.17.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as permitted under Clause 21.17.2, neither the Borrower nor K2020 shall be a creditor in respect of any Financial Indebtedness.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.17.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 21.17.1 does not apply to any loan or credit:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>made available by the Borrower or K2020 to the other provided it is subordinated in terms of the Subordination Agreement;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>extended by the Borrower or K2020 to its customers on normal commercial terms and in the ordinary course of its trading activities so long as the tenor does not exceed 2 years; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>made with the prior written consent of the Lender.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.18<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No Guarantees or indemnities</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.18.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as permitted under Clause 21.18.2, neither the Borrower nor K2020 shall incur or allow to remain outstanding any guarantee in respect of any obligation of any person.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.18.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 21.18.1 does not apply to any guarantee:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>arising under the Finance Documents;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>arising under the Cash Connect Management Finance Documents;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>expressly permitted in writing by the Lender; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>given by the Borrower or K2020 to the Lender under certain settlement facilities granted by the Lender to the Borrower for an amount which (when aggregated with the amount of any other guarantees given by the Borrower or K2020 other than as permitted by Clause 21.18.2(a) or 21.18.2(c)) does not exceed ZAR2,000,000 (or its equivalent in another currency or currencies).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.19<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial Indebtedness</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.19.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as permitted under Clause 21.19.2, neither the Borrower nor K2020 shall incur or allow to remain outstanding any Financial Indebtedness.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.19.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 21.19.1 does not apply to:</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>Financial Indebtedness incurred under the Limited Recourse Loan;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Financial Indebtedness incurred under the Finance Documents;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Subordinated Shareholder Loans and Claims; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any Financial Indebtedness expressly permitted in writing by the Lender.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.20<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Share capital</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.20.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as permitted under Clause 21.20.2, neither the Borrower nor K2020 shall issue any shares.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.20.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 21.20.1 above does not apply to the issue of shares to current shareholders of the Borrower or K2020 provided the Financial Covenants are complied with.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.21<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Distributions</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.21.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Except as permitted under Clause 21.22 (Origination, Administration and Management Fees) neither the Borrower nor K2020 shall make any Distribution without the prior written consent of the Lender.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.21.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 21.21.1 does not apply:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to a Distribution by K2020 provided:</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(i)<font style="width: 16.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>immediately prior to, and on the two Measurement Dates following, the making of such Distribution, the Borrower and K2020 is and will be in compliance with the financial covenants contemplated in Clause 20.1 (Financial condition); and (ii) the Borrower has, by no later than the date falling five Business Days before the date on which such payment will be made, delivered to the Lender a Compliance Certificate setting out in reasonable detail computations reflecting that the Borrower and K2020 shall be in compliance with the financial covenants contemplated in Clause 20.1;</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(ii)<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>where:</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(A)<font style="width: 12.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Capital Adequacy Ratio is more than 25 per cent., the amount of the Distribution is immediately applied for the benefit of, paid or transferred to Cash Connect Management; and</p>
    <p style="margin-left: 153.1pt; text-indent: -25.5pt; text-align: justify;">(B)<font style="width: 12.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Capital Adequacy Ratio is less than 25 per cent., the amount of the Distribution is immediately applied for the benefit of, paid or transferred to the Borrower;</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iii)<font style="width: 12.22pt; text-indent: 0pt; display: inline-block;">&#160;</font>no Default has occurred and is continuing, or will occur, as a result of the payment.</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to a Distribution by the Borrower provided:</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(i)<font style="width: 16.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>immediately prior to, and on the two Measurement Dates following, the making of such Distribution, the Borrower and K2020 is and will be in compliance with the financial covenants contemplated in Clause 20.1 (Financial condition); and (ii) the Borrower has, by no later than the date falling five Business Days before the date on which such payment will be made, delivered to the Lender a Compliance Certificate setting out in reasonable detail computations reflecting that the Borrower and K2020 shall be in compliance with the financial covenants contemplated in Clause 20.1;</p>
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    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(ii)<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Capital Adequacy Ratio is greater than 25 per cent.</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iii)<font style="width: 12.22pt; text-indent: 0pt; display: inline-block;">&#160;</font>the amount of the Distribution is immediately transferred to Cash Connect Management; and</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iv)<font style="width: 12.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>no Default has occurred and is continuing, or will occur, as a result of the payment.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.22<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Origination, Administration and Management Fees</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Borrower and K2020 may pay to Cash Connect Management:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.22.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>origination and administration fees; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.22.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>management fees (not exceeding ZAR1,565,000 per month without the prior written consent of the Lender).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.23<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Companies Act</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Neither the Borrower nor K2020 shall, without the Lender's prior written consent, in the event that insolvency proceedings have commenced in relation to it, take or omit to take any step which would have the effect of reducing the amount recoverable by the Lender from the Borrower and K2020 under and in terms of the Finance Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.24<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Arm's length basis</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Neither the Borrower nor K2020 shall, without the prior written consent of the Lender, enter into any transaction with any person except on arm's length terms, in the ordinary course of its business and for full market value.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.25<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Access</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If a Default is continuing or the Lender reasonably suspects a Default is continuing or may occur,&#160; each Obligor shall, and shall ensure that each member of the Group will, (not more than once in every Financial Year unless the Lender reasonably suspects a Default is continuing or may occur) permit the Lender accountants or other professional advisers and contractors of the Lender free access at all reasonable times and on reasonable notice at the risk and cost of the Borrower and K2020 to (a) the premises, assets, books, accounts and records of the Borrower and K2020, and (b) meet and discuss matters with senior management of the Borrower and K2020.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.26<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Business Rescue Proceedings</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">In the event that business rescue proceedings have commenced in relation to the Borrower or K2020 in accordance with the provisions of Chapter 6 of the Companies Act neither the Borrower nor K2020 shall, to the extent permitted by applicable laws, without the Lender's prior written consent:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.26.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>vote to amend, approve or reject a proposed business rescue plan in relation to such business rescue proceedings in the manner contemplated in section 152(3) of the Companies Act; and/or</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.26.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>provide, or call for, a vote of approval for the preparation and publication of a revised business rescue plan as contemplated in section 153(1) of the Companies Act; and/or</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.26.3<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>make a binding offer to purchase the voting interest of one or more persons who opposed the adoption of the business rescue plan in the manner contemplated in section 153(1) (b) (ii) of the Companies Act.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.27<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Further assurance</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.27.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor (and shall procure that each other member of the Group will) shall, immediately upon acceding to this Agreement, execute and deliver to the Lender such Security Documents, in form and substance satisfactory to the Lender, as may be necessary to ensure that Transaction Security is established over all of its assets that are of a type which is subject to the then existing Transaction Security or any other assets which the Lender may require.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.27.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor (and shall procure that each other member of the Group will) shall promptly do all such acts or execute all such documents (including assignments, transfers, mortgages, charges, notices and instructions) as the Lender may reasonably specify (and in such form as the Lender may reasonably require in favour of the Lender or its nominee(s)):</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to perfect the Security created or intended to be created under or evidenced by the Security Documents (which may include the execution of a mortgage bond, charge, assignment or other Security over all or any of the assets which are, or are intended to be, the subject of the Transaction Security) or for the exercise of any rights, powers and remedies of the Lender provided by or pursuant to the Finance Documents or by law;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>to confer on the Lender Security over any property and assets of the Borrower located in any jurisdiction equivalent or similar to the Security intended to be conferred by or pursuant to the Security Documents; and/or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>to facilitate the realisation of the assets which are, or are intended to be, the subject of the Transaction Security.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.27.3<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor (and shall procure that each other member of the Group will) shall take all such action as is available to it (including making all filings and registrations) as may be necessary or desirable for the purpose of the creation, perfection, protection or maintenance of any Security conferred or intended to be conferred on the Lender by or pursuant to the Finance Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">21.28<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Loan origination</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If, on any date:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.28.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Non-Vault Performance Ratio is more than 125 per cent.; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.28.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Rolling Loss Ratio of Non-Vault Clients is greater than four per cent.,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">then the Borrower and K2020 undertake that the new Consumer Loans originated from Non-Vault Clients shall not exceed 10 per cent. of the aggregate value of new Consumer Loans originated until:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.28.3<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>the ratio of (i) Consumer Loans to Non-Vault Clients; to (ii) Consumer Loans, expressed as a percentage, is less than 25 per cent.; or</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">21.28.4<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>the ratios set out in Clause 21.28.1 or 21.28.2 have been achieved.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">22.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>EVENTS OF DEFAULT</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Each of the events or circumstances set out in Clause 22 is an Event of Default (save for Clause 22.17 (Acceleration)).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Non-payment</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">An Obligor does not pay on the due date any amount payable pursuant to a Finance Document at the place and in the currency in which it is expressed to be payable unless:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>its failure to pay is caused by:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>administrative or technical error; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a Disruption Event; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.1.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>payment is made within three Business Days of its due date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Financial covenants and other obligations</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.2.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any requirement of Clause 20 (Financial Covenants) is not satisfied.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.2.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>An Obligor does not comply with any provision of any Security Document.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Other obligations</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.3.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>An Obligor does not comply with any provision of the Finance Documents (other than those referred to in Clause 22.1 (Non-payment) and Clause 22.2 (Financial covenants).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.3.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Event of Default under Clause 22.3.1 will occur, if the failure to comply is capable of remedy and is remedied within seven Business Days of the earlier of (i) the Lender giving notice to the Obligors and (ii) the Obligors becoming aware of the failure to comply.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.4<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Misrepresentation</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any representation or statement made or deemed to be made by an Obligor in the Finance Documents or any other document delivered by or on behalf of such Obligor under or in connection with any Finance Document is or proves to have been incorrect or misleading in any material respect when made or deemed to be made.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.5<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cross default</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any of the following occurs in respect of a member of the Wider Group:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any of its Financial Indebtedness (or any amount payable in respect of its Financial Indebtedness) is not paid when due (after the expiry of any originally applicable grace period);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>any of its Financial Indebtedness:</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(i)<font style="width: 16.67pt; text-indent: 0pt; display: inline-block;">&#160;</font>is declared to be or otherwise becomes prematurely due and payable prior to its stated maturity or, if the Financial Indebtedness arises under a guarantee, prior to the stated maturity of the Financial Indebtedness which is the subject of the guarantee; or</p>
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    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(ii)<font style="width: 14.45pt; text-indent: 0pt; display: inline-block;">&#160;</font>is placed on demand;</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iii)<font style="width: 12.22pt; text-indent: 0pt; display: inline-block;">&#160;</font>is capable of being declared by or on behalf of a creditor to be prematurely due and payable or of being placed on demand; or</p>
    <p style="margin-left: 127.6pt; text-indent: -25.55pt; text-align: justify;">(iv)<font style="width: 12.17pt; text-indent: 0pt; display: inline-block;">&#160;</font>is terminated or closed out or is capable of being terminated or closed out,</p>
    <p style="margin-left: 102.05pt; text-align: justify;">in each case, as a result of an event of default or any provision having a similar effect (howsoever described); or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>any commitment of a provider of Financial Indebtedness to it is cancelled or suspended, or is capable of being cancelled or suspended by such provider, in each case, as a result of an event of default or any provision having a similar effect (howsoever described).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>No Event of Default will occur under this Clause 22.5 if the aggregate amount of Financial Indebtedness or commitment for Financial Indebtedness falling within Clauses 22.5 is less than ZAR5,000,000 (or its equivalent in any other currency or currencies).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.5.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any event of default (howsoever described) occurs under any Finance Document.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.6<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Insolvency</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.6.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any member of the Wider Group:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>is unable or admits inability to pay its debts as they fall due;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>is deemed to, or is declared to, be unable to pay its debts under applicable law;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>suspends or threatens to suspend making payments on any of its debts; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>by reason of actual or anticipated financial difficulties, commences negotiations with one or more of its creditors (excluding the Lender in its capacity as such) with a view to rescheduling any of its indebtedness.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.6.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>A member of the Wider Group is or is deemed by any authority or legislation to be Financially Distressed (as defined in the Companies Act).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.6.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The value of the assets of any member of the Wider Group is less than its liabilities (taking into account contingent and prospective liabilities).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.6.4<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>A moratorium is declared in respect of any indebtedness of any member of the Wider Group.&#160; If a moratorium occurs, the ending of the moratorium will not remedy any Event of Default caused by that moratorium.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.7<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Insolvency and business rescue proceedings</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.7.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any corporate action, legal proceedings or other procedure or step is taken in relation to:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the suspension of payments, a moratorium of any indebtedness, liquidation, winding-up, dissolution, administration, judicial management, business rescue or reorganisation (by way of voluntary arrangement, scheme of arrangement or otherwise) of any member of the Wider Group;</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>a composition, compromise, assignment or arrangement with any creditor of any member of the Wider Group;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the appointment of a liquidator, receiver, trustee, administrative receiver, administrator, compulsory manager, judicial manager, business rescue practitioner or other similar officer in respect of a member of the Wider Group or any of its assets; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>enforcement of any Security over any assets of any member of the Wider Group,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">or any analogous procedure or step is taken in any jurisdiction.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.7.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>A meeting is proposed or convened by the directors of any member of the Wider Group, a resolution is proposed or passed, application is made or an order is applied for or granted, to authorise the entry into or implementation of any business rescue proceedings (or any similar proceedings) in respect of such member of the Wider Group or any analogous procedure or step is taken in any jurisdiction.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.7.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clauses 22.7.1 and 22.7.2 shall not apply to any winding-up petition which is frivolous or vexatious and is discharged, stayed, or dismissed within 14 days of commencement.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.8<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Creditors' process</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any expropriation, attachment, enforcement, sequestration, implementation of any business rescue plan, distress or execution or any analogous process in any jurisdiction affects any asset or assets of a member of the Wider Group and is not discharged within 14 days.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.9<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Unlawfulness and invalidity</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.9.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>It is or becomes unlawful for an Obligor to perform any of its obligations under the Finance Documents or any Transaction Security created or expressed to be created or evidenced by the Security Documents ceases to be effective or any subordination created under the Subordination Agreement is or becomes unlawful.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.9.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any obligation or obligations of any Obligor under any Finance Documents are not or cease to be legal, valid, binding or enforceable and the cessation individually or cumulatively materially and adversely affects the interests of the Lender under the Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.9.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any Finance Document ceases to be in full force and effect or any Transaction Security or any subordination created under the Subordination Agreement ceases to be legal, valid, binding, enforceable or effective or is alleged by a party to it (other than the Lender) to be ineffective or fails or ceases to establish the ranking and the priority of claims which it purports to create.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.10<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cessation of business</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">A member of the Wider Group suspends or ceases to carry on (or threatens to suspend or cease to carry on) all or a material part of its business.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.11<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Audit qualification</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Auditors of any member of the Group qualify the audited annual financial statements of that Obligor, which qualification has or results in a Material Adverse Effect.</p>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.12<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Expropriation</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.12.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>The authority or ability of a member of the Wider Group to conduct its business is wholly or substantially curtailed by any seizure, expropriation, nationalisation, intervention, restriction or other action by or on behalf of any governmental, regulatory or other authority or other person.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.12.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>By the authority of any governmental, regulatory or other authority or other person:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the management of a member of the Wider Group is wholly or substantially replaced; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>all or a majority of the shares of a member of the Wider Group or the whole or any part of its assets or revenues is seized, expropriated or compulsorily acquired.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.13<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Repudiation and rescission of agreements</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">An Obligor (or any other relevant party) rescinds or purports to rescind or repudiates or purports to repudiate a Finance Document or any of the Transaction Security or evidences an intention to rescind or repudiate a Finance Document or any Transaction Security.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.14<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Failure to comply with court judgment or arbitral award</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any member of the Wider Group fails to comply with or pay by the required time any sum due from it under any final judgment or any final order made or given by a court or arbitral tribunal or other arbitral body, in each case of competent jurisdiction.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.15<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Litigation</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any litigation, arbitration, administrative, governmental, regulatory or other investigations, proceedings or disputes are commenced or threatened in relation to the Finance Documents or the transactions contemplated in the Finance Documents or against any Obligor (other than Cash Connect Management) or its assets which are reasonably likely to have a Material Adverse Effect.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.16<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Material adverse change</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any event or circumstance occurs which the Lender reasonably believes has or is reasonably likely to have a Material Adverse Effect.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">22.17<font style="width: 28.03pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Acceleration</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">On and at any time after the occurrence of an Event of Default the Lender may, by notice to the Borrower:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.17.1<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>cancel all or any part of the Commitment at which time it shall immediately be cancelled;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.17.2<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>declare that all or part of the outstanding Loans together with accrued interest, and all other amounts accrued or outstanding under the Finance Documents be immediately due and payable, at which time they shall become immediately due and payable;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.17.3<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>declare that all or part of the Loans be payable on demand, at which time they shall immediately become payable on demand by the Lender;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.17.4<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>enforce all or any of the Security it holds under the Finance Documents; and/or</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">22.17.5<font style="width: 46.19pt; text-indent: 0pt; display: inline-block;">&#160;</font>exercise any or all of its rights, remedies, powers or discretions under the Finance Documents.</p>
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    <p style="text-align: center;"><b>SECTION 9 </b></p>
    <p style="text-align: center;"><b>CHANGES TO PARTIES</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">23.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CHANGES TO THE PARTIES</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cessions and delegations by the Lender</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.1.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to this Clause 23 (Changes to the Parties), the Lender (<b>Existing Lender</b>) shall be entitled, without the prior written consent of, but on written notice to, the Obligors, to cede and/or delegate (a <b>Transfer</b>) any or all of its rights and/or obligations under this Agreement and/or under any other Finance Document to any person (<b>New Lender</b>).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.1.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each Obligor consents to any splitting of claims which may arise as a result of such Transfer.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Conditions of transfer</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.2.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>The consent of the Obligors is not required for a Transfer by the Existing Lender to any New Lender.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.2.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>A Transfer will only be effective if the procedure set out in Clause 23.4 (Procedure for Transfer) is complied with.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Limitation of responsibility of Existing Lender</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.3.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Unless expressly agreed to the contrary, the Existing Lender makes no representation or warranty and assumes no responsibility to a New Lender for:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the legality, validity, effectiveness, adequacy or enforceability of the Finance Documents or any other documents;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the financial condition of any Obligor;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the performance and observance by an Obligor of its obligations under the Finance Documents or any other documents; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the accuracy of any statements (whether written or oral) made in or in connection with any Finance Document or any other document,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and any representations or warranties implied by law are excluded.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.3.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each New Lender confirms to the Existing Lender that it:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>has made (and shall continue to make) its own independent investigation and assessment of the financial condition and affairs of the Obligors in connection with its participation in this Agreement and has not relied exclusively on any information provided to it by the Existing Lender in connection with any Finance Document; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>will continue to make its own independent appraisal of the creditworthiness of the Borrower whilst any amount is or may be outstanding under the Finance Documents or any commitment is in force.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.3.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Nothing in any Finance Document obliges the Existing Lender to:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>accept a re-Transfer from a New Lender of any of the rights and obligations Transferred under this Clause 23 (Changes to the Parties); or</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>support any losses directly or indirectly incurred by the New Lender by reason of the non-performance by an Obligor of its obligations under the Finance Documents or otherwise.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.4<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Procedure for Transfer</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.4.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to the conditions set out in Clause 23.2 (Conditions of transfer), a Transfer is effected in accordance with Clause 23.4.2 when the Lender and the New Lender execute a duly completed Transfer Certificate.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.4.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>On the Transfer Date:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Transfer shall take effect under the Finance Documents so that the rights and/or obligations which are the subject of the Transfer shall be ceded and delegated by the Existing Lender to the New Lender (being the <b>Transferred Rights and Obligations</b>);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Borrower shall perform its obligations and exercise its rights in relation to the Transferred Rights and Obligations in favour of or against the New Lender, as the case may be; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>the New Lender shall become a Party as a <b>Lender</b>.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.5<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Costs resulting from a change of Lender</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.5.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Lender Transfers any of its rights or obligations under the Finance Documents; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">23.5.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>as a result of circumstances existing at the date the Transfer occurs, an Obligor would be obliged to make a Tax Payment (as defined in Clause 12) or pay any Increased Cost (as defined in Clause 13),</p>
    <p style="margin-left: 51.05pt; text-align: justify;">then, unless the Transfer is made by the Lender in order to mitigate any circumstances giving rise to the Tax Payment, Increased Cost or a right to be prepaid and/or cancelled by reason of illegality, the Obligor need only pay that Tax Payment or Increased Cost to the same extent that it would have been obliged to if the Transfer had not occurred.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.6<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Copy of Transfer Certificate to Borrower</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Existing Lender shall send to the Borrower a copy of each Transfer Certificate executed by it and the New Lender in accordance with Clause 23.4 (Procedure for Transfer) as soon as reasonably practicable after it has executed any such Transfer Certificate.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">23.7<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No cession and delegation by the Obligors</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">No Obligor may cede and/or delegate or otherwise transfer any or all of its rights and/or obligations under this Agreement and/or under any other Finance Document.</p>
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    <p style="text-align: center;"><b>SECTION 10 </b></p>
    <p style="text-align: center;"><b>ADMINISTRATION</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">24.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>PAYMENT MECHANICS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Payments to the Lender</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.1.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>On each date on which an Obligor is required to make a payment under a Finance Document, that Obligor shall make the same available to the Lender (unless a contrary indication appears in a Finance Document) in ZAR for value by no later than 11h00 (Johannesburg time) on the due date therefor.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.1.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Payment shall be made into such account in South Africa with such bank as the Lender specifies.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Partial payments</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.2.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>If the Lender receives a payment that is insufficient to discharge all the amounts then due and payable by an Obligor under the Finance Documents, the Lender shall apply that payment towards the obligations of that Obligor under the Finance Documents in the following order:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>first</b>, in or towards payment of any unpaid fees, costs and expenses of the Lender under the Finance Documents;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>secondly</b>, in or towards payment of any accrued interest, fees or commission due but unpaid under this Agreement on a pro rata and <i>pari passu</i> basis;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>thirdly</b>, in or towards payment of any principal due but unpaid under this Agreement on a pro rata and <i>pari passu</i> basis; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>fourthly</b>, in or towards payment of any other sum due but unpaid under the Finance Documents.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.2.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Clause 24.2.1 will override any appropriation made by an Obligor.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No set-off by an Obligor</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">All payments to be made by an Obligor under the Finance Documents shall be calculated and be made without (and free and clear of any deduction for) set-off or counterclaim.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.4<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Business Days</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.4.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any payment which is due to be made on a day that is not a Business Day shall be made on the next Business Day in the same calendar month (if there is one) or the preceding Business Day (if there is not).</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.4.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>During any extension of the due date for payment of any principal under this Agreement interest is payable on the principal at the rate payable on the original due date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.5<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Currency of account</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.5.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Subject to Clauses 24.5.2 and 24.5.3, ZAR is the currency of account and payment for any sum due from an Obligor under any Finance Document.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.5.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each payment in respect of costs, expenses or Taxes shall be made in the currency in which the costs, expenses or Taxes are incurred.</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.5.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any amount expressed to be payable in a currency other than ZAR shall be paid in that other currency.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">24.6<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disruption to Payment Systems etc.</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">If the Lender determines (in its discretion) that a Disruption Event has occurred or the Lender is notified by the Borrower that a Disruption Event has occurred:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.6.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Lender may, and shall if requested to do so by the Borrower, consult with the Borrower with a view to agreeing with the Borrower such changes to the operation or administration of the Facility as the Lender may deem necessary in the circumstances;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.6.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Lender shall not be obliged to consult with the Borrower in relation to any changes mentioned in Clause 24.6.1 if, in its opinion, it is not practicable to do so in the circumstances and, in any event, shall have no obligation to agree to such changes;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.6.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>any such changes agreed upon by the Lender and the Borrower shall (whether or not it is finally determined that a Disruption Event has occurred) be binding upon the Parties as an amendment to (or, as the case may be, waiver of) the terms of the Finance Documents notwithstanding the provisions of Clause 30 (Amendments and Waivers); and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">24.6.4<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the Lender shall not be liable for any damages, costs or losses to any person, any diminution in value or any liability whatsoever (including, without limitation for negligence, gross negligence or any other category of liability whatsoever) arising as a result of its taking, or failing to take, any actions pursuant to or in connection with this Clause 24.6.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">25.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>SET-OFF</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">The Lender may set off any matured obligation due from an Obligor under the Finance Documents (to the extent beneficially owned by the Lender) against any matured obligation owed by the Lender to that Obligor, regardless of the place of payment, booking branch or currency of either obligation. If the obligations are in different currencies, the Lender may convert either obligation at a market rate of exchange in its usual course of business for the purpose of the set-off.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">26.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>NOTICES</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">26.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Communications in writing</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any communication to be made under or in connection with the Finance Documents shall be made in writing and, unless otherwise stated, may be made by email or letter.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">26.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Addresses</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The physical address and email address (and the department or officer, if any, for whose attention the communication is to be made) (as applicable) of each Party for any communication or document to be made or delivered under or in connection with the Finance Documents is:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">26.2.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>in the case of the Borrower:</p>
    <p style="margin-left: 76.55pt; text-align: justify; margin-bottom: 0pt;">Physical:<font style="width: 85.39pt; display: inline-block;">&#160;</font>Innesfree View</p>
    <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><font style="width: 198.45pt; display: inline-block;">&#160;</font>4 Harris Road (Cnr Catherine &amp; Harris)</p>
    <p style="text-align: justify; margin-top: 0pt;"><font style="width: 198.45pt; display: inline-block;">&#160;</font>Sandown Ext 20</p>
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    <p style="text-align: justify; margin-bottom: 0pt;"><font style="width: 197.95pt; display: inline-block;">&#160;</font>Sandton 2196</p>
    <p style="text-align: justify; margin-bottom: 0pt; margin-top: 0pt;"><font style="width: 197.95pt; display: inline-block;">&#160;</font>South Africa</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Email:<font style="width: 95.12pt; display: inline-block;">&#160;</font>xxx</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Attention:<font style="width: 81.15pt; display: inline-block;">&#160;</font>The Chief Executive Officer</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">26.2.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>in the case of each Guarantor:</p>
    <p style="margin-left: 76.55pt; text-align: justify; margin-bottom: 0pt; margin-top: 0pt;">Physical:<font style="width: 84.89pt; display: inline-block;">&#160;</font>Innesfree View</p>
    <p style="text-align: justify; margin-bottom: 0pt; margin-top: 0pt;"><font style="width: 197.95pt; display: inline-block;">&#160;</font>4 Harris Road (Cnr Catherine &amp; Harris)</p>
    <p style="text-align: justify; margin-bottom: 0pt; margin-top: 0pt;"><font style="width: 198.45pt; display: inline-block;">&#160;</font>Sandown Ext 20</p>
    <p style="text-align: justify; margin-bottom: 0pt; margin-top: 0pt;"><font style="width: 198.45pt; display: inline-block;">&#160;</font>Sandton 2196</p>
    <p style="text-align: justify; margin-bottom: 0pt; margin-top: 0pt;"><font style="width: 198.45pt; display: inline-block;">&#160;</font>South Africa</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Email:<font style="width: 95.62pt; display: inline-block;">&#160;</font>xxx</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Attention:<font style="width: 81.65pt; display: inline-block;">&#160;</font>The Chief Executive Officer</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">26.2.3<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>in the case of the Lender:</p>
    <p style="margin-left: 76.55pt; text-align: justify; margin-top: 0pt; margin-bottom: 0pt;">Physical:<font style="width: 85.89pt; display: inline-block;">&#160;</font>14th Floor</p>
    <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><font style="width: 198.45pt; display: inline-block;">&#160;</font>1 Merchant Place</p>
    <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><font style="width: 198.45pt; display: inline-block;">&#160;</font>Cnr Fredman and Rivonia Road Sandton</p>
    <p style="text-align: justify; margin-top: 0pt; margin-bottom: 0pt;"><font style="width: 198.45pt; display: inline-block;">&#160;</font>2196</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Email:<font style="width: 95.62pt; display: inline-block;">&#160;</font>xxx</p>
    <p style="text-align: justify;"><font style="width: 198.45pt; display: inline-block;">&#160;</font>xxx</p>
    <p style="text-align: justify;"><font style="display: inline-block; width: 199.02pt;">&#160;</font>xxx</p>
    <p style="text-align: justify;"><font style="width: 198.45pt; display: inline-block;">&#160;</font>xxx</p>
    <p style="margin-left: 76.55pt; text-align: justify;">Attention:<font style="width: 81.65pt; display: inline-block;">&#160;</font>Head of Transaction Management: Banking Cluster,</p>
    <p style="margin-left: 51.05pt; text-align: justify;">or any substitute physical address or email address or department or officer as any Party may notify to the other Parties by not less than five Business Days' notice.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">26.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><i><b>Domicilia</b></i></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">26.3.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Each of the Parties chooses its physical address provided under or in connection with Clause 26.2 (Addresses) as its <i>domicilium citandi et executandi</i> at which documents in legal proceedings in connection with this Agreement or any other Finance Document may be served.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">26.3.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any Party may by written notice to the other Parties change its domicilium from time to time to another address, not being a post office box or a poste restante, in South Africa, provided that any such change shall only be effective on the 14th (fourteenth) day after deemed receipt of the notice by the other Parties pursuant to Clause 26.4 (Delivery).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">26.4<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Delivery</b></p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">26.4.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any communication or document made or delivered by one person to another under or in connection with the Finance Documents will:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>if made by way of email, be deemed to have been received on the date of transmission;</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 13.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>if delivered by hand, be deemed to have been received at the time of delivery; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>if delivered by way of courier service, be deemed to have been received on the date of delivery,</p>
    <p style="margin-left: 76.55pt; text-align: justify;">and provided, if a particular department or officer is specified as part of its address details provided under Clause 26.2 (Addresses), if such communication or document is addressed to that department or officer.</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">26.4.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any communication or document to be made or delivered to the Lender will be effective only when actually received by the Lender and then only if it is expressly marked for the attention of the department or officer of the Lender's specified in Clause 26.2 (Addresses) (or any substitute department or officer as the Lender shall specify for this purpose).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">26.5<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>English language</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any notice or other document given under or in connection with any Finance Document must be in English.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">27.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CALCULATIONS AND CERTIFICATES</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Accounts</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">In any litigation or arbitration proceedings arising out of or in connection with a Finance Document, the entries made in the accounts maintained by the Lender are prima facie evidence of the matters to which they relate.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Certificates and Determinations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any certification or determination by the Lender of a rate or amount under any Finance Document is, in the absence of manifest error, <i>prima facie</i> evidence of the matters to which it relates.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">27.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Day count convention</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">Any interest, commission or fee accruing under a Finance Document will accrue from day to day and is calculated on the basis of the actual number of days elapsed and a year of 365 days (irrespective of whether the year in question is a leap year).</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">28.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>PARTIAL INVALIDITY</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">If, at any time, any provision of the Finance Documents is or becomes illegal, invalid, unenforceable or inoperable in any respect under any law of any jurisdiction, neither the legality, validity, enforceability or operation of the remaining provisions nor the legality, validity, enforceability or operation of such provision under the law of any other jurisdiction will in any way be affected or impaired. The term "inoperable" in this Clause 28 shall include, without limitation, inoperable by way of suspension or cancellation.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">29.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>REMEDIES AND WAIVERS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">No failure to exercise, nor any delay in exercising, on the part of the Lender, any right or remedy under the Finance Documents shall operate as a waiver, nor shall any single or partial exercise of any right or remedy prevent any further or other exercise or the exercise of any other right or remedy. The rights and remedies provided in this Agreement are cumulative and not exclusive of any rights or remedies provided by law.</p>
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    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">30.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>AMENDMENTS AND WAIVERS</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">30.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font>Any term of the Finance Documents may be amended or waived only with the consent of the Lender and, other than in respect of a waiver, the Obligors and any such amendment or waiver will be binding on all Parties.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">30.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font>No amendment or waiver contemplated by this Clause 30 shall be of any force or effect unless in writing and signed by or on behalf of the relevant Parties.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">31.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>CONFIDENTIALITY</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">31.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Confidential Information</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Lender agrees to keep all Confidential Information confidential and not to disclose it to anyone, save to the extent permitted by Clause 31.2 (Disclosure of Confidential Information), and to ensure that all Confidential Information is protected with security measures and a degree of care that would apply to its own confidential information.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">31.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Disclosure of Confidential Information</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Lender may disclose:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">31.2.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>to any of its Affiliates and Related Funds and any of its or their officers, directors, employees, professional advisers, auditors, partners and Representatives such Confidential Information as the Lender shall consider appropriate if any person to whom the Confidential Information is to be given pursuant to this Clause 31.2.1 is informed in writing of its confidential nature and that some or all of such Confidential Information may be price-sensitive information except that there shall be no such requirement to so inform if the recipient is subject to professional obligations to maintain the confidentiality of the information or is otherwise bound by requirements of confidentiality in relation to the Confidential Information;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">31.2.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>to any other person:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(a)<font style="width: 14.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>to (or through) whom it Transfers (or may potentially Transfer) all or any of its rights and obligations under this Agreement and to any of that person's Affiliates, Related Funds, Representatives and professional advisers;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(b)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>with (or through) whom it enters into (or may potentially enter into), whether directly or indirectly, any sub-participation or other credit participation in relation to, or any other transaction under which payments are to be made or may be made by reference to, one or more Finance Documents and/or the Borrower's and to the Borrower's Affiliates, Related Funds, Representatives and professional advisers;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(c)<font style="width: 14.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>appointed by the Lender or by a person to whom Clauses 31.2.2(a) or 31.2.2(b) applies to receive communications, notices, information or documents delivered pursuant to the Finance Documents on its behalf;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(d)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>who invests in or otherwise finances (or may potentially invest in or otherwise finance), directly or indirectly, any transaction referred to in Clauses 31.2.2(a) or 31.2.2(b);</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(e)<font style="width: 14.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>to whom information is required or requested to be disclosed by any court of competent jurisdiction or any governmental, banking, taxation or other regulatory authority or similar body, the rules of any relevant stock exchange or pursuant to any applicable law or regulation;</p>
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    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(f)<font style="width: 16.06pt; text-indent: 0pt; display: inline-block;">&#160;</font>to whom information is required to be disclosed in connection with, and for the purposes of, any litigation, arbitration, administrative or other investigations, proceedings or disputes;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(g)<font style="width: 14.78pt; text-indent: 0pt; display: inline-block;">&#160;</font>who is a Party; or</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(h)<font style="width: 14.28pt; text-indent: 0pt; display: inline-block;">&#160;</font>with the consent of the Borrower;</p>
    <p style="margin-left: 76.55pt; text-align: justify;">in each case, such Confidential Information as the Lender shall consider appropriate if:</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(i)<font style="width: 16.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to Clauses 31.2.2(a), 31.2.2(b) and 31.2.2(c), the person to whom the Confidential Information is to be given has entered into a Confidentiality Undertaking except that there shall be no requirement for a Confidentiality Undertaking if the recipient is a professional adviser and is subject to professional obligations to maintain the confidentiality of the Confidential Information;</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(j)<font style="width: 16.62pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to Clause 31.2.2(d), the person to whom the Confidential Information is to be given has entered into a Confidentiality Undertaking or is otherwise bound by requirements of confidentiality in relation to the Confidential Information they receive and is informed that some or all of such Confidential Information may be price-sensitive information; and</p>
    <p style="margin-left: 102.05pt; text-indent: -25.5pt; text-align: justify;">(k)<font style="width: 13.84pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to Clauses 31.2.2(e), 31.2.2(f) and 31.2.2(g), the person to whom the Confidential Information is to be given is informed of its confidential nature and that some or all of such Confidential Information may be price-sensitive information except that there shall be no requirement to so inform if, in the opinion of the Lender, it is not practicable so to do in the circumstances; and</p>
    <p style="margin-left: 76.55pt; text-align: justify;">to any rating agency (including its professional advisers) such Confidential Information as may be required to be disclosed to enable such rating agency to carry out its normal rating activities in relation to the Finance Documents and/or the Borrower if the rating agency to whom the Confidential Information is to be given is informed of its confidential nature and that some or all of such Confidential Information may be price-sensitive information.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">31.3<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Entire agreement</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">This Clause 31 constitutes the entire agreement between the Parties in relation to the obligations of the Lender under the Finance Documents regarding Confidential Information and supersedes any previous agreement, whether express or implied, regarding Confidential Information.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">31.4<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Inside information</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Lender acknowledges that some or all of the Confidential Information is or may be price- sensitive information and that the use of such information may be regulated or prohibited by applicable legislation including securities law relating to insider dealing and market abuse and the Lender undertakes not to use any Confidential Information for any unlawful purpose.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">31.5<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Notification of disclosure</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The Lender agrees (to the extent permitted by law and regulation) to inform the Borrower:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">31.5.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>of the circumstances of any disclosure of Confidential Information made pursuant to Clause 31.2.2(e) except where such disclosure is made to any of the persons referred to in that Clause during the ordinary course of its supervisory or regulatory function; and</p>
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    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">31.5.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>upon becoming aware that Confidential Information has been disclosed in breach of this Clause 31.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">31.6<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Continuing obligations</b></p>
    <p style="margin-left: 51.05pt; text-align: justify;">The obligations in this Clause 31 are continuing and, in particular, shall survive and remain binding on the Lender for a period of 12 Months from the earlier of:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">31.6.1<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the date on which all amounts payable by the Borrower under or in connection with the Finance Documents have been paid in full and the Commitment has been cancelled or otherwise ceases to be available; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">31.6.2<font style="width: 51.25pt; text-indent: 0pt; display: inline-block;">&#160;</font>the date on which the Lender otherwise ceases to be the Lender.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">32.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>RENUNCIATION OF BENEFITS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Each Obligor renounces, to the extent permitted under applicable law, the benefits of each of the legal exceptions of excussion, division, revision of accounts, no value received, <i>errore calculi</i>, <i>non causa debiti</i>, <i>non numeratae pecuniae</i> and cession of actions, and declares that it understands the meaning of each such legal exception and the effect of such renunciation.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">33.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>COUNTERPARTS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Each Finance Document may be executed in any number of counterparts, and this has the same effect as if the signatures on the counterparts were on a single copy of the Finance Document.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">34.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>WAIVER OF IMMUNITY</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Each Obligor irrevocably and unconditionally waives any right it may have to claim for itself or any of its assets immunity from suit, execution, attachment or other legal process.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">35.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>SOLE AGREEMENT</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">The Finance Documents constitute the sole record of the agreement between the Parties in regard to the subject matter thereof.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">36.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>NO IMPLIED TERMS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">No Party shall be bound by any express or implied term, representation, warranty, promise or the like, not recorded in any Finance Document in regard to the subject matter thereof.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">37.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>EXTENSIONS AND WAIVERS</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">No latitude, extension of time or other indulgence which may be given or allowed by any Party to the other Parties in respect of the performance of any obligation hereunder or enforcement of any right arising from any Finance Document and no single or partial exercise of any right by any Party shall under any circumstances be construed to be an implied consent by such Party or operate as a waiver or novation of, or otherwise affect any of that Party's rights in terms of or arising from any Finance Document or estop such Party from enforcing, at any time and without notice, strict and punctual compliance with each and every provision or term of any Finance Document.</p>
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    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_66"></a>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">38.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>INDEPENDENT ADVICE</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">Each Obligor acknowledges that it has been free to secure independent legal and other advice as to the nature and effect of all of the provisions of the Finance Documents and that it has either taken such independent legal and other advice or dispensed with the necessity of doing so. Further, each Obligor acknowledges that all of the provisions of each Finance Document and the restrictions therein contained are part of the overall intention of the Parties in connection with the Finance Documents.</p>
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    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_67"></a>
    <p style="text-align: center;"><b>SECTION 11</b></p>
    <p style="text-align: center;"><b>GOVERNING LAW AND ENFORCEMENT</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">39.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>GOVERNING LAW</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">This Agreement and any non-contractual obligations arising out of or in connection with it are governed by South African law.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">40.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>JURISDICTION</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">40.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Parties hereby irrevocably and unconditionally consent to the non-exclusive jurisdiction of the High Court of South Africa (Gauteng Local Division, Johannesburg) (or any successor to that division) in regard to all matters arising from the Finance Documents (including a dispute relating to the existence, validity or termination of this Agreement or any non- contractual obligation arising out of or in connection with this Agreement) (a <b>Dispute</b>).</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">40.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Parties agree that the courts of South Africa are the most appropriate and convenient courts to settle Disputes and accordingly no Party will argue to the contrary.</p>
    <p style="margin-left: 25.5pt; text-align: justify;">This Clause 40 is for the benefit of the Lender only. As a result, the Lender shall not be prevented from taking proceedings relating to a Dispute in any other courts with jurisdiction. To the extent allowed by law, the Lender may take concurrent proceedings in any number of jurisdictions.</p>
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    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_68"></a>
    <p style="text-align: right;"><b>SCHEDULE 1 </b></p>
    <p style="text-align: center;"><b>THE ORIGINAL PARTIES</b></p>
    <p style="text-align: center;">&#160;</p>
    <p style="text-align: center;"><b>Part I</b></p>
    <p style="text-align: center;"><b>The Guarantors</b></p>
    <table style="border-collapse: collapse; border: 0.75pt solid #000000; font-size: 10pt; width: 100%;" cellspacing="0" cellpadding="0">
        <tr>
            <td style="background-color: #e0e0e0; width: 5%; vertical-align: top; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 5pt; padding-left: 5pt; text-align: center; white-space: nowrap;"><b>&#160;</b></td>
            <td style="border-bottom: 0.75pt solid #000000; width: 44%; vertical-align: top; background-color: #e0e0e0; padding-right: 5pt; border-right: 0.75pt solid #000000; padding-left: 5pt; border-left: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Guarantors</b></td>
            <td style="border-bottom: 0.75pt solid #000000; width: 25%; vertical-align: top; background-color: #e0e0e0; padding-right: 5pt; border-right: 0.75pt solid #000000; padding-left: 5pt; border-left: 0.75pt solid #000000; text-align: center; white-space: nowrap;"><b>Jurisdiction of<br>Incorporation</b></td>
            <td style="background-color: #e0e0e0; width: 25%; vertical-align: top; border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-right: 5pt; padding-left: 5pt; text-align: center; white-space: nowrap;"><b>Registration Number</b></td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">1.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Cash Connect Management Solutions Proprietary Limited</td>
            <td style="width: 25%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; border: 0.75pt solid #000000; text-align: center;">South Africa</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">2006/010530/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">2.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Cash Connect Rentals Proprietary Limited</td>
            <td style="width: 25%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; border: 0.75pt solid #000000; text-align: center;">South Africa</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">2009/007139/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">3.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Deposit Manager Proprietary Limited</td>
            <td style="width: 25%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; border: 0.75pt solid #000000; text-align: center;">South Africa</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">2010/016889/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">4.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Cash Connect Capital Proprietary Limited</td>
            <td style="width: 25%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; border: 0.75pt solid #000000; text-align: center;">South Africa</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">2017/029430/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">5.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">Main Street 1723 Proprietary Limited</td>
            <td style="width: 25%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; border: 0.75pt solid #000000; text-align: center;">South Africa</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">2019/300711/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-right: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">6.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">K2021477132 (South Africa) Proprietary Limited</td>
            <td style="width: 25%; padding-right: 5pt; padding-left: 5pt; vertical-align: top; border: 0.75pt solid #000000; text-align: center;">South Africa</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">2021/477132/07</td>
        </tr>
        <tr>
            <td style="margin-top: 0pt; margin-bottom: 0pt; border-right: 0.75pt solid #000000; padding-left: 5pt; padding-right: 5pt;">7.</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; padding-left: 5pt; padding-right: 5pt;">K2020 Connect Proprietary Limited</td>
            <td style="width: 25%; vertical-align: top; border-left: 0.75pt solid #000000; padding-right: 5pt; border-right: 0.75pt solid #000000; padding-left: 5pt; border-top: 0.75pt solid #000000; text-align: center;">South Africa</td>
            <td style="margin-top: 0pt; margin-bottom: 0pt; padding-left: 5pt; padding-right: 5pt;">2020/263969/07</td>
        </tr>
    </table>
    <br>
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    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_69"></a>
    <p style="text-align: center;"><b>SCHEDULE 2</b><br><br><b>CONDITIONS PRECEDENT</b></p>
    <p style="text-align: center;"><b>Part I</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">1.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Obligors</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of the constitutional documents of the Borrower and each Guarantor or confirmation that any conditional documents most recently delivered to the Lender remain in full force and effect.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of a resolution of the board of directors of the Borrower and each Guarantor:</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>approving the terms of, and the transactions contemplated by, the Finance Documents to which it is a party and resolving that it execute the Finance Documents to which it is a party;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>authorising a specified person or persons to execute the Finance Documents to which it is a party on its behalf; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">1.2.3<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>authorising a specified person or persons, on its behalf, to sign and/or despatch all documents and notices (including, if relevant, any Utilisation Request) to be signed and/or despatched by it under or in connection with the Finance Documents to which it is a party.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>To the extent required by the Companies Act or other applicable law, and with reference to the constitutional documents of the Borrower and each Guarantor, a copy of a resolution including, without limitation, all resolutions required in terms of sections 45 and 46 of the Companies Act, duly passed by (i) the holders of the issued shares; and/or (ii) the directors, of that person, approving the terms of, and the transactions contemplated by, the Finance Documents to which that person is a party.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.4<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>A duly completed and executed Closing Certificate from the Borrower and each Guarantor (signed by a director).</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">2.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Finance Documents</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">A copy of each Finance Document.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">3.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Legal opinions</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>A legal opinion from Webber Wentzel dealing with the validity, legality and enforceability of the Finance Documents.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>A legal opinion of Cliffe Dekker Hofmeyr, in its capacity as legal advisers to the Obligors, in respect of the capacity and authority of the Obligors, substantially in the form distributed to the Lender prior to signing this Agreement.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">4.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Other documents and evidence</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Lender has received all necessary internal credit approvals.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Lender is satisfied that each Security Document constitutes each Obligor's legally valid, binding and enforceable obligations and affords the Lender with a first ranking priority security interest in and to the assets secured thereunder.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Lender has received evidence to its satisfaction that all documents, agreements, instruments, and deliverables required to be delivered in connection with the Security Documents on or prior to the Closing Date will be delivered to the person entitled to delivery of same in terms thereof.</p>
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    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_70"></a>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.4<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Original Financial Statements.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.5<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>A copy of any other Authorisation or other document, opinion or assurance which the Lender considers to be necessary or desirable in connection with the entry into and performance of the transactions contemplated by any Finance Document or for the validity and enforceability of any Finance Document.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.6<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>Evidence satisfactory to the Lender that the fees, costs and expenses then due from the Borrower pursuant to Clause 11 (Fees) and Clause 16 (Costs and Expenses) have been paid or will be paid by the first Utilisation Date.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.7<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>Such documentation and other evidence as is reasonably requested by the Lender in order for the Lender to carry out and be satisfied it has complied with all necessary "know your customer" or similar identification procedures under applicable laws and regulations pursuant to the transactions contemplated in the Finance Documents.</p>
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    <p style="text-align: right;"><b>SCHEDULE 3</b></p>
    <p style="text-align: center;"><b>UTILISATION REQUEST</b></p>
    <p style="text-align: justify;">From:<font style="width: 30.81pt; display: inline-block;">&#160;</font><b>Cash Connect Capital Proprietary Limited</b></p>
    <p style="text-align: justify;">To:<font style="width: 42.25pt; display: inline-block;">&#160;</font><b>FirstRand Bank Limited (acting through its Rand Merchant Bank division)</b></p>
    <p style="text-align: right;">Dated: [<b>&#9679;</b>]</p>
    <p style="text-align: justify;">Dear Sirs</p>
    <p style="text-align: center;"><b>CASH CONNECT CAPITAL PROPRIETARY LIMITED</b><br><b>REVOLVING CREDIT FACILITY AGREEMENT, CONCLUDED ON OR ABOUT [&#9679;] 2022</b><br><b>(the Agreement)</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">1.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>We refer to the Agreement. This is a Utilisation Request. Terms defined in the Agreement have the same meaning in this Utilisation Request unless given a different meaning in this Utilisation Request.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">2.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>We wish to borrow the Loan on the following terms:</p>
    <p style="margin-left: 198.45pt; text-indent: -172.95pt; text-align: justify;">Proposed Utilisation Date:<font style="width: 64.83pt; text-indent: 0pt; display: inline-block;">&#160;</font>[<b>&#9679;</b>] (or, if that is not a Business Day, the next Business Day)</p>
    <p style="margin-left: 198.45pt; text-indent: -172.95pt; text-align: justify;">Amount:<font style="width: 135.71pt; text-indent: 0pt; display: inline-block;">&#160;</font>ZAR[<b>&#9679;</b>] or, if less, the applicable Available Facility</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">3.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>We confirm that each condition specified in Clause 5.2 (Further conditions precedent) of the Agreement is satisfied on the date of this Utilisation Request.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">4.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>[The proceeds of this advance of the Loan shall be disbursed as follows:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>ZAR[<b>&#9679;</b>] of the proceeds of the Loan shall be applied by you on the first Utilisation Date in and towards discharging the Structuring and Execution Fee, plus value-added tax thereon;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>[ZAR[<b>&#9679;</b>] of the proceeds of the Loan shall be applied by you on the first Utilisation Date in and towards discharging the Legal Fees and Expenses;] and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">4.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>making the Limited Recourse Loan<a name="_ftnref1"></a><a style="text-decoration: none;" href="#_ftn1"><font style="color: #000000;"><sup>1</sup></font></a></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">5.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>[The proceeds of this advance of the Loan should be credited to the following bank account:</p>
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    <p style="margin-left: 25.5pt; text-align: justify;">Branch:<font style="width: 81.79pt; display: inline-block;">&#160;</font>[&#9679;]</p>
    <p style="margin-left: 25.5pt; text-align: justify;">Branch code:<font style="width: 60.32pt; display: inline-block;">&#160;</font>[&#9679;]</p>
    <p style="margin-left: 25.5pt; text-align: justify;">Account number:<font style="width: 43.65pt; display: inline-block;">&#160;</font>[&#9679;]</p>
    <p style="margin-left: 25.5pt; text-align: justify;">Reference:<font style="width: 70.33pt; display: inline-block;">&#160;</font>[&#9679;].]</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">6.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Utilisation Request is irrevocable.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">&#160;</p>
    <div id="ftn_page_71">
        <hr style="width: 33%; height: 1px; background-color: #000000; text-align: left; margin-left: 0px;">
        <div id="_ftn1">
            <p style="margin-left: 17pt; text-indent: -17pt; text-align: justify; margin-top: 0px;"><a style="text-decoration: none;" href="#_ftnref1"><font style="color: #000000;"><sup>1</sup></font></a> To be included for the first Utilisation only</p>
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    <div id="footer_page_71">
        <p style="text-align: center;">71</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_72"></a>
    <p style="text-align: justify;">Yours faithfully</p>
    <table style="width: 50%; border-collapse: collapse; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
        <tr>
            <td style="width: 100%; border-bottom: 0.75pt solid #000000;">&#160;</td>
        </tr>
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    <p style="text-align: justify;">authorised signatory for</p>
    <p style="text-align: justify;"><b>Cash Connect Capital Proprietary Limited</b></p>
    <div id="footer_page_72">
        <p style="text-align: center;">72</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_73"></a>
    <p style="text-align: right;"><b>SCHEDULE 4</b></p>
    <p style="text-align: center;"><b>FORM OF COMPLIANCE CERTIFICATE</b></p>
    <p style="margin-left: 56.7pt; text-indent: -56.7pt; text-align: justify;">To:<font style="width: 42.25pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>First Rand Bank Limited (acting through its Rand Merchant Bank division) (Lender)</b></p>
    <p style="margin-left: 56.7pt; text-indent: -56.7pt; text-align: justify;">From:<font style="width: 30.81pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cash Connect Capital Proprietary Limited</b></p>
    <p style="text-align: right;">Dated: [<b>&#9679;</b>]</p>
    <p style="text-align: justify;">Dear Sirs</p>
    <p style="text-align: center;"><b>CASH CONNECT CAPITAL PROPRIETARY LIMITED</b><br><b>REVOLVING CREDIT FACILITY AGREEMENT, CONCLUDED ON OR ABOUT [&#9679;] 2022</b><br><b>(the Agreement)</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">1.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>We refer to the Agreement. This is a Compliance Certificate. Terms defined in the Agreement have the same meaning when used in this Compliance Certificate unless given a different meaning in this Compliance Certificate.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">2.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>We confirm that as at [<i>relevant testing date</i>]:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>the following financial ratios referred to in Clause 20.1 (Financial condition) of the Agreement were at the levels set out below:</p>
    <div style="margin-left: 50pt;">
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            <tr>
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            <tr>
                <td style="width: 9%; padding: 2.48pt 4pt; vertical-align: top; border-top: 0.75pt solid #000000; border-right: 0.75pt solid #000000;">1.</td>
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                <td style="margin-top: 0pt; margin-bottom: 0pt; padding-left: 4pt; padding-right: 4pt;">[<b>&#9679;</b>]</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-left: 0.75pt solid #000000; padding-left: 4pt; padding-right: 4pt;">[<b>&#9679;</b>]</td>
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    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>the representations and warranties contained in Clause 18 (Representations) are true and correct.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">3.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>We confirm that no Default is continuing.</p>
    <p style="text-align: justify;">Signed:<font style="width: 54.63pt; display: inline-block;">&#160;</font>_____________________________</p>
    <p style="text-indent: 28.35pt; text-align: justify;"><font style="width: 56.7pt; text-indent: 0pt; display: inline-block;">&#160;</font>[Chief Financial Officer/Chief Executive Officer]</p>
    <p style="text-indent: 28.35pt; text-align: justify;"><font style="width: 56.7pt; text-indent: 0pt; display: inline-block;">&#160;</font>of</p>
    <p style="text-indent: 28.35pt; text-align: justify;"><font style="width: 56.7pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cash Connect Capital Proprietary Limited</b></p>
    <p style="text-align: justify;">Signed:<font style="width: 54.13pt; display: inline-block;">&#160;</font>_____________________________</p>
    <p style="text-indent: 28.35pt; text-align: justify;"><font style="width: 56.7pt; text-indent: 0pt; display: inline-block;">&#160;</font>[Director]</p>
    <p style="text-indent: 28.35pt; text-align: justify;"><font style="width: 56.7pt; text-indent: 0pt; display: inline-block;">&#160;</font>of</p>
    <p style="text-indent: 28.35pt; text-align: justify;"><font style="width: 56.7pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Cash Connect Capital Proprietary Limited</b></p>
    <div id="footer_page_73">
        <p style="text-align: center;">73</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_74"></a>
    <p style="text-align: justify;">[<i>insert applicable certification language</i>]</p>
    <table style="width: 50%; border-collapse: collapse; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
        <tr>
            <td style="width: 100%; border-bottom: 0.75pt solid #000000;">&#160;</td>
        </tr>
    </table>
    <p style="text-align: justify;">for and on behalf of</p>
    <p style="text-align: justify;">[<i>name of auditors of the Borrower</i>]<a name="_ftnref2"></a><a style="text-decoration: none;" href="#_ftn2"><font style="color: #000000;"><sup>2</sup></font></a></p>
    <div id="ftn_page_74">
        <hr style="width: 33%; height: 1px; background-color: #000000; text-align: left; margin-left: 0px;">
        <div id="_ftn2">
            <p style="margin-left: 17pt; text-indent: -17pt; text-align: justify; margin-top: 0px;"><a style="text-decoration: none;" href="#_ftnref2"><font style="color: #000000;"><sup>2</sup></font></a> Certification to only be included for the Compliance Certificate delivered with the audited financial statements.</p>
        </div>
    </div>
    <div id="footer_page_74">
        <p style="text-align: center;">74</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_75"></a>
    <p style="text-align: right;"><b>SCHEDULE 5</b></p>
    <p style="text-align: center;"><b>FORM OF CLOSING CERTIFICATE</b></p>
    <p style="text-align: center;"><b>CLOSING CERTIFICATE IN RESPECT OF [&#9679;] PROPRIETARY LIMITED</b></p>
    <p style="text-align: center;"><b>(REGISTRATION NO. [&#9679;])</b></p>
    <p style="margin-left: 56.7pt; text-indent: -56.7pt; text-align: justify;">To:<font style="width: 43.75pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>FIRSTRAND BANK LIMITED (ACTING THROUGH ITS RAND MERCHANT BANK DIVISION)</b></p>
    <p style="margin-left: 56.7pt; text-indent: -56.7pt; text-align: justify;"><font style="width: 56.7pt; text-indent: 0pt; display: inline-block;">&#160;</font>(as Lender)</p>
    <p style="margin-left: 56.7pt; text-indent: -56.7pt; text-align: justify;">From: <font style="width: 29.81pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>[&#9679;] PROPRIETARY LIMITED</b></p>
    <p style="margin-left: 56.7pt; text-indent: -56.7pt; text-align: justify;"><font style="width: 56.7pt; text-indent: 0pt; display: inline-block;">&#160;</font>(the <b>Company</b>)</p>
    <p style="text-align: right;">Dated: [<b>&#9679;</b>]</p>
    <p style="text-align: justify;">Dear Sirs</p>
    <p style="text-align: center;"><b>CASH CONNECT CAPITAL PROPRIETARY LIMITED</b><br><b>REVOLVING CREDIT FACILITY AGREEMENT, CONCLUDED ON OR ABOUT [&#9679;], 2022</b><br><b>(the Agreement)</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">1.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>We refer to the Agreement. This is a Closing Certificate. Terms defined in the Agreement have the same meaning when used in this Closing Certificate unless given a different meaning in this Closing Certificate.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">2.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>We confirm that as at the date hereof:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>no Default and/or Event of Default and/or Material Adverse Effect has occurred and is continuing nor is any Default and/or Event of Default and/or Material Adverse Effect likely to occur; and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>the representations and warranties of the Company in the Finance Documents to which it is a party are true and correct as at the date hereof.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">3.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>I, the undersigned, being a duly authorised director of the Company, hereby certify that:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>in relation to the Agreement -</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">3.1.1<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>[borrowing][guaranteeing][securing] the Commitment would not cause any [borrowing][guarantee][security] limit on the Company to be exceeded;</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">3.1.2<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>each copy document relating to the Company specified in Schedule 2 (Conditions Precedent) of the Agreement is correct, complete and in full force and effect and has not been amended or superseded as at the date hereof; and</p>
    <p style="margin-left: 76.55pt; text-indent: -76.55pt; text-align: justify;">3.1.3<font style="width: 56.31pt; text-indent: 0pt; display: inline-block;">&#160;</font>true and complete copies of the constitutional documents of the Company are attached as Annexure A hereto;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>the provisions of Section 75 of the Companies Act No. 71 of 2008 were duly complied with when passing the directors resolution contemplated in Schedule 2 (Conditions Precedent) of the Agreement; and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>the specimen signature(s) of the duly authorised signatory(ies) of the Company which has executed the Finance Documents evidenced below are the true signature(s) of such signatory(ies):</p>
    <div id="footer_page_75">
        <p style="text-align: center;">75</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_76"></a><br>
    <div style="margin-left: 50pt;">
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            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; background-color: #e6e6e6; padding: 2pt 4pt;"><b>NAME</b></td>
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                <td style="margin-top: 0pt; margin-bottom: 0pt; border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; background-color: #e6e6e6; padding: 2pt 4pt;"><b>SIGNATURE</b></td>
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            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-bottom: 0.75pt solid #000000; padding: 2pt 4pt;">&#160;</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding: 2pt 4pt;">Director</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-left: 0.75pt solid #000000; border-bottom: 0.75pt solid #000000; padding: 2pt 4pt;">&#160;</td>
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            <tr>
                <td style="margin-top: 0pt; margin-bottom: 0pt; padding: 2pt 4pt;">&#160;</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-left: 0.75pt solid #000000; padding: 2pt 4pt;">Director</td>
                <td style="margin-top: 0pt; margin-bottom: 0pt; border-left: 0.75pt solid #000000; padding: 2pt 4pt;">&#160;</td>
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        </table>
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    <p style="text-align: justify;">Signed on behalf of:</p>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify;">&#160;</p>
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        <tr>
            <td style="width: 100%; border-bottom: 0.75pt solid #000000;">&#160;</td>
        </tr>
    </table>
    <p style="text-align: justify;"><b>[&#9679;] PROPRIETARY LIMITED</b></p>
    <p style="text-align: justify;">Name:</p>
    <p style="text-align: justify;">Title: Director</p>
    <div id="footer_page_76">
        <p style="text-align: center;">76</p>
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    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_77"></a>
    <p style="text-align: right;"><b>SCHEDULE 6</b></p>
    <p style="text-align: center;"><b>FORM OF COMMITMENT INCREASE CONFIRMATION</b></p>
    <p style="text-align: justify;">To:<font style="width: 43.75pt; display: inline-block;">&#160;</font>Cash Connect Capital Proprietary Limited (as Borrower);</p>
    <p style="margin-left: 56.7pt; text-indent: -56.7pt; text-align: justify;">From:<font style="text-indent: 0pt; display: inline-block; width: 32.44pt;">&#160;</font>FirstRand Bank Limited (acting through its Rand Merchant Bank division)<br>(the <b>Increase Lender</b>)</p>
    <p style="text-align: right;">Dated: [<b>&#9679;</b>]</p>
    <p style="text-align: center;"><b>CASH CONNECT CAPITAL PROPRIETARY LIMITED</b><br><b>REVOLVING CREDIT FACILITY AGREEMENT DATED [&#9679;], 2022</b><br><b>(the Agreement)</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">1.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>We refer to the Agreement. This agreement (the <b>Commitment Increase Confirmation</b>) shall take effect as a Commitment Increase Confirmation for the purpose of the Agreement. Terms defined in the Agreement have the same meaning in this Commitment Increase Confirmation unless given a different meaning in this Commitment Increase Confirmation.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">2.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>We refer to Clause 3 (Increase in the Commitment) of the Agreement.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">3.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Increase Lender agrees to assume and will assume all of the obligations corresponding to the Commitment specified in the Schedule (the <b>Relevant Commitment</b>) as if such Commitment were made available under the Agreement on the date of this Agreement.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">4.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>The proposed date on which the increase in relation to the Increase Lender and the Relevant Commitment is to take effect (the <b>Increase Date</b>) is [<b>&#9679;</b>].</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">5.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>The increase of the Commitment is subject to the following conditions:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>[<b>&#9679;</b>]; and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">5.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>[<b>&#9679;</b>].<a name="_ftnref3"></a><a style="text-decoration: none;" href="#_ftn3"><font style="color: #000000;"><sup>3</sup></font></a></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">6.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>[Additional terms relating to the increase in the Commitment are as follows:</p>
    <p style="margin-left: 25.5pt; text-align: justify;">[<b>&#9679;</b>].<a name="_ftnref4"></a><a style="text-decoration: none;" href="#_ftn4"><font style="color: #000000;"><sup>4</sup></font></a></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">7.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Commitment Increase Confirmation may be executed in any number of counterparts and this has the same effect as if the signatures on the counterparts were on a single copy of this Commitment Increase Confirmation.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">8.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Commitment Increase Confirmation is governed by South African law.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">&#160;</p>
    <div id="ftn_page_77">
        <hr style="width: 33%; height: 1px; background-color: #000000; text-align: left; margin-left: 0px;">
        <div id="_ftn3">
            <p style="margin-left: 17pt; text-indent: -17pt; text-align: justify; margin-top: 0px; margin-bottom: 0px;"><a style="text-decoration: none;" href="#_ftnref3"><font style="color: #000000;"><sup>3</sup></font></a> Additional conditions to be inserted.</p>
        </div>
        <div id="_ftn4">
            <p style="margin-left: 17pt; text-indent: -17pt; text-align: justify; margin-top: 0px;"><a style="text-decoration: none;" href="#_ftnref4"><font style="color: #000000;"><sup>4</sup></font></a> Any additional terms to be included as necessary.</p>
        </div>
    </div>
    <div id="footer_page_77">
        <p style="text-align: center;">77</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_78"></a>
    <p style="text-align: center;"><b>THE SCHEDULE</b></p>
    <p style="text-align: center;"><b>Relevant Commitment to be assumed by the Increase Lender</b></p>
    <p style="text-align: center;">[<i>insert relevant details</i>]</p>
    <p style="text-align: justify;">FirstRand Bank Limited</p>
    <p style="text-align: justify;">(acting through its Rand Merchant Bank division)</p>
    <p style="text-align: justify;">By:</p>
    <div id="footer_page_78">
        <p style="text-align: center;">78</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_79"></a>
    <p style="text-align: justify;">For and on behalf of</p>
    <p style="text-align: justify;">FirstRand Bank Limited (acting through its Rand Merchant Bank division)</p>
    <table style="width: 50%; border-collapse: collapse; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
        <tr>
            <td style="width: 100%; border-bottom: 0.75pt solid #000000;">&#160;</td>
        </tr>
    </table>
    <p style="text-align: justify;">Name:</p>
    <p style="text-align: justify;">Capacity: Authorised Signatory</p>
    <p style="text-align: justify;">Who warrants his authority hereto</p>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify;">For and on behalf of</p>
    <p style="text-align: justify;">FirstRand Bank Limited (acting through its Rand Merchant Bank division)</p>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify;">&#160;</p>
    <table style="width: 50%; border-collapse: collapse; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
        <tr>
            <td style="width: 100%; border-bottom: 0.75pt solid #000000;">&#160;</td>
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    <p style="text-align: justify;">Name:</p>
    <p style="text-align: justify;">Capacity: Authorised Signatory Who warrants his authority hereto</p>
    <p style="text-align: justify;">&#160;</p>
    <p style="text-align: justify;">Acknowledging and agreeing to the contents hereof:</p>
    <p style="text-align: justify;">For and on behalf of</p>
    <p style="text-align: justify;">Cash Connect Capital Proprietary Limited</p>
    <p style="text-align: justify;">&#160;</p>
    <table style="width: 50%; border-collapse: collapse; font-size: 10pt;" border="0" cellspacing="0" cellpadding="0">
        <tr>
            <td style="width: 100%; border-bottom: 0.75pt solid #000000;">&#160;</td>
        </tr>
    </table>
    <p style="text-align: justify;">Name:</p>
    <p style="text-align: justify;">Capacity: Authorised Signatory</p>
    <p style="text-align: justify;">Who warrants his authority hereto</p>
    <div id="footer_page_79">
        <p style="text-align: center;">79</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_80"></a>
    <p style="text-align: right;"><b>SCHEDULE 7</b></p>
    <p style="text-align: center;"><b>FORM OF CONFIDENTIALITY UNDERTAKING</b></p>
    <p style="text-align: justify;">To:<font style="width: 43.75pt; display: inline-block;">&#160;</font><b>[Insert name of Potential Purchaser/Purchaser's agent/broker]</b></p>
    <p style="text-align: justify;"><font style="width: 56.7pt; display: inline-block;">&#160;</font><b>[&#9679;]</b></p>
    <p style="text-align: justify;"><font style="width: 56.7pt; display: inline-block;">&#160;</font><b>[&#9679;]</b></p>
    <p style="text-align: right;">Dated: [<b>&#9679;</b>]</p>
    <p style="text-align: justify;">Dear Sirs,</p>
    <p style="text-align: center;"><b>CASH CONNECT CAPITAL PROPRIETARY LIMITED</b><br><b>REVOLVING CREDIT FACILITY AGREEMENT, DATED [&#9679;] 2022</b><br><b>(the Agreement)</b></p>
    <p style="text-align: justify;">We understand that you are considering [<i>acquiring</i>]<a name="_ftnref5"></a><a style="text-decoration: none;" href="#_ftn5"><font style="color: #000000;"><sup>5</sup></font></a> an interest in the Facility. In consideration of us agreeing to make available to you certain information, by your signature of a copy of this letter you agree as follows:</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">1.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Confidentiality Undertaking</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">You undertake:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>to keep all Confidential Information confidential and not to disclose it to anyone, save to the extent permitted by paragraph 2 and to ensure that all Confidential Information is protected with security measures and a degree of care that would apply to your own confidential information;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>to keep confidential and not disclose to anyone except as provided for by paragraph 2 the fact that the Confidential Information has been made available or that discussions or negotiations are taking place or have taken place between us in connection with the Facility;</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>to use the Confidential Information only for the purpose of considering and evaluating whether to enter into the Finance Documents (the <b>Permitted Purpose</b>); and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">1.4<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>not to make any enquiries, relating directly or indirectly to the Finance Documents from the Borrower or any of its officers, directors, employees or professional advisors.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">2.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Permitted Disclosure</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">We agree that you may disclose such Confidential Information and such of those matters referred to in paragraph 1.2 as you shall consider appropriate:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>to your Affiliates, officers, directors, employees and professional advisers to the extent necessary for the Permitted Purpose and to any person to whom the Confidential Information is to be given pursuant to this paragraph 2.1 is informed in writing of its confidential nature and that some or all of such Confidential Information may be price-sensitive information, except that there shall be no such requirement to so inform if the recipient is subject to professional obligations to maintain the confidentiality of the information or is otherwise bound by requirements of confidentiality in relation to the Confidential Information;</p>
    <div id="ftn_page_80">
        <hr style="width: 33%; height: 1px; background-color: #000000; text-align: left; margin-left: 0px;">
        <div id="_ftn5">
            <p style="margin-left: 17pt; text-indent: -17pt; text-align: justify; margin-top: 0px;"><a style="text-decoration: none;" href="#_ftnref5"><font style="color: #000000;"><sup>5</sup></font></a> Delete if addressee is acting as broker or agent.</p>
        </div>
    </div>
    <div id="footer_page_80">
        <p style="text-align: center;">80</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_81"></a>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>to any person to whom information is required or requested to be disclosed by any governmental, banking, taxation or other regulatory authority or similar body, the rules of any relevant stock exchange or pursuant to any applicable law or regulation; and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>with the prior written consent of us and the Borrower.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">3.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Notification of Disclosure</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">You agree (to the extent permitted by law and regulation) to inform us:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>of the circumstances of any disclosure of Confidential Information made pursuant to paragraph 2.2 except where such disclosure is made to any of the persons referred to in that paragraph during the ordinary course of its supervisory or regulatory function; and</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">3.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>upon becoming aware that Confidential Information has been disclosed in breach of this letter.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">4.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Return of Copies</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">If you do not participate in the Facility and we so request in writing, you shall return all Confidential Information supplied to you by us and destroy or permanently erase (to the extent technically practicable) all copies of Confidential Information made by you and use your reasonable endeavours to ensure that anyone to whom you have supplied any Confidential Information destroys or permanently erases (to the extent technically practicable) such Confidential Information and any copies made by them, in each case save to the extent that you or the recipients are required to retain any such Confidential Information by any applicable law, rule or regulation or by any competent judicial, governmental, supervisory or regulatory body or in accordance with reasonable internal policy, or where the Confidential Information has been disclosed under paragraph 2.2.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">5.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Continuing Obligations</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">The obligations in this letter are continuing and, in particular, shall survive the termination of any discussions or negotiations between you and us. Notwithstanding the previous sentence, the obligations of this letter shall cease on the earlier of (a) the date on which you become a party to, or otherwise acquire (by assignment or sub-participation) an interest, direct or otherwise in the Agreement; (b) 12 months after you have (i) returned all Confidential Information supplied to you by us and (ii) destroyed or permanently erased all copies of the Confidential Information made by you (other than any such Confidential Information or copies which have been disclosed under paragraph 2 (other than sub-paragraph 2.1) or which, pursuant to paragraph 4, are not required to be returned or destroyed); or (c) 24 months after the date of this letter.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">6.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>No Representation; Consequences of Breach, etc.</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">You acknowledge and agree that:</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>neither we nor any of our officers, employees or advisers (each a <b>Relevant Person</b>) (i) make any representation or warranty, express or implied, as to, or assume any responsibility for, the accuracy, reliability or completeness of any of the Confidential Information or any other information supplied by us or the Borrower or the assumptions on which it is based or (ii) shall be under any obligation to update or correct any inaccuracy in the Confidential Information or any other information supplied by us or the Borrower or be otherwise liable to you or any other person in respect of the Confidential Information or any such information; and</p>
    <div id="footer_page_81">
        <p style="text-align: center;">81</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_82"></a>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">6.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>we or the Borrower may be irreparably harmed by the breach of the terms of this letter and damages may not be an adequate remedy; each Relevant Person or the Borrower may be granted an interdict or specific performance for any threatened or actual breach of the provisions of this letter by you.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">7.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Entire Agreement; No Waiver; Amendments, etc.</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>This letter constitutes the entire agreement between us in relation to your obligations regarding Confidential Information and supersedes any previous agreement, whether express or implied, regarding Confidential Information.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>No party to this letter shall be bound by any express or implied term, representation, warranty, promise of the like, not recorded in this letter.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>No failure or delay in exercising any right or remedy under this letter will operate as a waiver thereof nor will any single or partial exercise of any right or remedy preclude any further exercise thereof or the exercise of any other right or remedy under this letter.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">7.4<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The terms of this letter and your obligations under this letter may only be amended or modified by written agreement between us.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">8.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Inside Information</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">You acknowledge that some or all of the Confidential Information is or may be price-sensitive information and that the use of such information may be regulated or prohibited by applicable legislation including securities law relating to insider dealing and market abuse and you undertake not to use any Confidential Information for any unlawful purpose.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">9.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Nature of Undertakings</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">The undertakings given by you under this letter are given to us and (without implying any fiduciary obligations on our part) are also given for the benefit of the Borrower.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">10.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Governing Law and Jurisdiction</b></p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">10.1<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font>This letter and the agreement constituted by your acknowledgement of its terms and any non- contractual obligations arising out of or in connection with it (including any non-contractual obligations arising out of the negotiation of the transaction contemplated by this Letter) are governed by South African law.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">10.2<font style="width: 33.59pt; text-indent: 0pt; display: inline-block;">&#160;</font>The courts of South Africa have non-exclusive jurisdiction to settle any dispute arising out of or in connection with this letter (including a dispute relating to any non-contractual obligation arising out of or in connection with either this letter or the negotiation of the transaction contemplated by this letter).</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">11.<font style="width: 13.1pt; text-indent: 0pt; display: inline-block;">&#160;</font><b>Definitions</b></p>
    <p style="margin-left: 25.5pt; text-align: justify;">In this letter, terms defined in the Agreement shall, unless the context otherwise requires, have the same meaning and <b>Confidential Information</b> means any information relating to Borrower, the Group and the Agreement provided to you by us or any of our affiliates or advisers, in whatever form, and includes information given orally and any document, electronic file or any other way of representing or recording information which contains or is derived or copied from such information but excludes information that (a) is or becomes public knowledge other than as a direct or indirect result of any breach of this letter or (b) is known by you before the date the information is disclosed to you by us or any of our affiliates or advisers or is lawfully obtained by you thereafter, other than from a source which is connected with the Group and which, in either case, as far as you are aware, has not been obtained in violation of, and is not otherwise subject to, any obligation of confidentiality.</p>
    <div id="footer_page_82">
        <p style="text-align: center;">82</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_83"></a>
    <p style="text-align: justify;">Please acknowledge your agreement to the above by signing and returning the enclosed copy.</p>
    <p style="text-align: justify;">Yours faithfully</p>
    <div id="footer_page_83">
        <p style="text-align: center;">83</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_84"></a>
    <p style="text-align: right;"><b>SCHEDULE 8</b></p>
    <p style="text-align: center;"><b>FORM OF TRANSFER CERTIFICATE</b></p>
    <p style="text-align: justify;">To:<font style="width: 43.75pt; display: inline-block;">&#160;</font>FirstRand Bank Limited (acting through its Rand Merchant Bank division), as Lender</p>
    <p style="text-align: justify;"><font style="width: 56.7pt; display: inline-block;">&#160;</font>[<b>&#9679;</b>]</p>
    <p style="text-align: justify;"><font style="width: 56.7pt; display: inline-block;">&#160;</font>[<b>&#9679;</b>]</p>
    <p style="text-align: justify;">From:<font style="width: 32.59pt; display: inline-block;">&#160;</font>[the existing Lender] (the <b>Existing Lender</b>) and [the new Lender] (the <b>New Lender</b>)</p>
    <p style="text-align: right;">Dated: [<b>&#9679;</b>]</p>
    <p style="text-align: justify;">Dear Sirs,</p>
    <p style="text-align: center;"><b>CASH CONNECT CAPITAL PROPRIETARY LIMITED</b><br><b>REVOLVING CREDIT FACILITY AGREEMENT, DATED [&#9679;] 2022</b><br><b>(the Agreement)</b></p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">1.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>We refer to the Agreement. This is a Transfer Certificate. Terms defined in the Agreement have the same meaning in this Transfer Certificate unless given a different meaning in this Transfer Certificate.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">2.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>We refer to Clause 23.4 (Procedure for Transfer):</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.1<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The Existing Lender and the New Lender agree to the Existing Lender transferring to the New Lender by cession and delegation all or part of the Existing Lender's Commitment, rights and obligations referred to in the Schedule in accordance with Clause 23.2.</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.2<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The proposed Transfer Date is [<b>&#9679;</b>].</p>
    <p style="margin-left: 51.05pt; text-indent: -51.05pt; text-align: justify;">2.3<font style="width: 38.15pt; text-indent: 0pt; display: inline-block;">&#160;</font>The physical address of the New Lender, email address and attention details for notices of the New Lender for the purposes of Clause 26.2 are set out in the Schedule.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">3.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>The New Lender expressly acknowledges the limitations on the Existing Lender's obligations set out in Clause 23.3.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">4.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Transfer Certificate may be executed in any number of counterparts and this has the same effect as if the signatures on the counterparts were on a single copy of this Transfer Certificate.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">5.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Transfer Certificate and any non-contractual obligations arising out of or in connection with it are governed by South African law.</p>
    <p style="margin-left: 25.5pt; text-indent: -25.5pt; text-align: justify;">6.<font style="width: 17.16pt; text-indent: 0pt; display: inline-block;">&#160;</font>This Transfer Certificate has been entered into on the date stated at the beginning of this Transfer Certificate.</p>
    <p style="text-align: justify;">[<b>EXISTING LENDER</b>]</p>
    <p style="text-align: justify;">By:</p>
    <p style="text-align: justify;">[<b>NEW LENDER</b>]</p>
    <p style="text-align: justify;">By:</p>
    <p style="text-align: center;"><b>THE SCHEDULE</b></p>
    <p style="text-align: center;"><b>Commitment/rights and obligations to be transferred</b></p>
    <div id="footer_page_84">
        <p style="text-align: center;">84</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_85"></a>
    <p style="text-align: center;">[<i>insert relevant details, including applicable Commitment (or part) and participation in the Loan</i>]</p>
    <p style="text-align: justify;">[Existing Lender]<font style="width: 152.31pt; display: inline-block;">&#160;</font>[New Lender]</p>
    <p style="text-align: justify;">By:<font style="width: 13.9pt; display: inline-block;">&#160;</font>By:</p>
    <div id="footer_page_85">
        <p style="text-align: center;">85</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_86"></a>
    <p style="text-align: right;"><b>SCHEDULE 9</b></p>
    <p style="text-align: center;"><b>DISCLOSURE SCHEDULE</b></p>
    <p style="text-align: center;">&#160;</p>
    <p style="text-align: center;">&#160;</p>
    <div id="footer_page_86">
        <p style="text-align: center;">86</p>
    </div>
    <hr style="page-break-after: always; text-align: center;" width="100%" size="5" color="black" noshade="noshade"><a name="page_87"></a>
    <p style="text-align: center;"><b>SIGNATURE PAGE</b></p>
    <p style="text-align: justify;"><b>BORROWER</b></p>
    <p style="text-align: justify;">&#160;</p>
    <p>&#160;</p>
    <table style="width: 50%; margin-left: 5.4pt; border-collapse: collapse; font-size: 10pt;" cellspacing="0" cellpadding="0">
        <tr>
            <td style="margin-bottom: 0pt; text-align: justify; border-bottom: 0.75pt solid #000000;" colspan="2"><b>/s/ Steven J. Heilbron</b></td>
        </tr>
        <tr>
            <td style="margin-bottom: 0pt; text-align: justify;" colspan="2">For and on behalf of:<br><b>Cash Connect Capital Proprietary<br>Limited</b></td>
        </tr>
        <tr>
            <td style="margin-bottom: 0pt; text-align: justify;" colspan="2">&#160;</td>
        </tr>
        <tr>
            <td style="width: 10%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">Name:</td>
            <td style="width: 90%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify; border-bottom: 0.75pt solid #000000;">Steven Heilbron</td>
        </tr>
        <tr>
            <td style="width: 10%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">&#160;</td>
            <td style="width: 90%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">&#160;</td>
        </tr>
        <tr>
            <td style="width: 10%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify;">Office:</td>
            <td style="width: 90%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: justify; border-bottom: 0.75pt solid #000000;">Director</td>
        </tr>
        <tr>
            <td style="width: 10%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: center;">&#160;</td>
            <td style="width: 90%; padding-right: 5.4pt; padding-left: 5.4pt; vertical-align: top; text-align: center;">(who warrants his authority)</td>
        </tr>
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  <xsd:import namespace="http://xbrl.sec.gov/country/2021" schemaLocation="https://xbrl.sec.gov/country/2021/country-2021.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/currency/2021" schemaLocation="https://xbrl.sec.gov/currency/2021/currency-2021.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/dei/2021" schemaLocation="https://xbrl.sec.gov/dei/2021/dei-2021.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/exch/2021" schemaLocation="https://xbrl.sec.gov/exch/2021/exch-2021.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/naics/2021" schemaLocation="https://xbrl.sec.gov/naics/2021/naics-2021.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/sic/2021" schemaLocation="https://xbrl.sec.gov/sic/2021/sic-2021.xsd" />
  <xsd:import namespace="http://xbrl.sec.gov/stpr/2021" schemaLocation="https://xbrl.sec.gov/stpr/2021/stpr-2021.xsd" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="lsak-20221129_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="lsak-20221129_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="lsak-20221129_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="lsak-20221129_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple" />
      <link:roleType id="DocumentAndEntityInformationDocument" roleURI="http://www.net1.com/role/DocumentAndEntityInformationDocument">
        <link:definition>0001000 - Document - Document and Entity Information Document</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <!-- Start custom elements -->

  <!-- End custom elements -->
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>4
<FILENAME>lsak-20221129_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!-- Generated by Newsfile Corp. (www.newsfilecorp.com) -->
<link:linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<link:roleRef roleURI="http://www.net1.com/role/DocumentAndEntityInformationDocument" xlink:href="lsak-20221129.xsd#DocumentAndEntityInformationDocument" xlink:type="simple" />
<link:calculationLink xlink:role="http://www.net1.com/role/DocumentAndEntityInformationDocument" xlink:type="extended" />
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>5
<FILENAME>lsak-20221129_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!-- Generated by Newsfile Corp. (www.newsfilecorp.com) -->
<link:linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <link:roleRef roleURI="http://www.net1.com/role/DocumentAndEntityInformationDocument" xlink:href="lsak-20221129.xsd#DocumentAndEntityInformationDocument" xlink:type="simple" />
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/all" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" xlink:type="simple" />
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" xlink:type="simple" />
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" xlink:type="simple" />
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" xlink:type="simple" />
  <link:arcroleRef arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" xlink:type="simple" />
  <link:definitionLink xlink:role="http://www.net1.com/role/DocumentAndEntityInformationDocument" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentInformationLineItems" xlink:label="loc_dei_DocumentInformationLineItems" xlink:type="locator" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentInformationTable" xlink:label="loc_dei_DocumentInformationTable" xlink:type="locator" />
    <link:definitionArc order="1" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_DocumentInformationTable" xlink:type="arc" xbrldt:closed="true" xbrldt:contextElement="segment" />

	<!-- Address Axis -->

    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressesAddressTypeAxis" xlink:label="loc_dei_EntityAddressesAddressTypeAxis" xlink:type="locator" />
    <link:definitionArc order="1" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_dei_DocumentInformationTable" xlink:to="loc_dei_EntityAddressesAddressTypeAxis" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AddressTypeDomain" xlink:label="loc_dei_AddressTypeDomain_default" xlink:type="locator" />
    <link:definitionArc order="1" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_dei_EntityAddressesAddressTypeAxis" xlink:to="loc_dei_AddressTypeDomain_default" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AddressTypeDomain" xlink:label="loc_dei_AddressTypeDomain" xlink:type="locator" />
    <link:definitionArc order="1" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_dei_EntityAddressesAddressTypeAxis" xlink:to="loc_dei_AddressTypeDomain" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_FormerAddressMember" xlink:label="loc_dei_FormerAddressMember" xlink:type="locator" />
    <link:definitionArc order="1" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_AddressTypeDomain" xlink:to="loc_dei_FormerAddressMember" xlink:type="arc" />

	<!-- Exchange Axis -->

    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityListingsExchangeAxis" xlink:label="loc_dei_EntityListingsExchangeAxis" xlink:type="locator" />
    <link:definitionArc order="2" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_dei_DocumentInformationTable" xlink:to="loc_dei_EntityListingsExchangeAxis" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_ExchangeDomain" xlink:label="loc_dei_ExchangeDomain_default" xlink:type="locator" />
    <link:definitionArc order="1" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_dei_EntityListingsExchangeAxis" xlink:to="loc_dei_ExchangeDomain_default" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_ExchangeDomain" xlink:label="loc_dei_ExchangeDomain" xlink:type="locator" />
    <link:definitionArc order="1" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_dei_EntityListingsExchangeAxis" xlink:to="loc_dei_ExchangeDomain" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/exch/2021/exch-2021.xsd#exch_XNYS" xlink:label="loc_exch_XNYS" xlink:type="locator" />
    <link:definitionArc order="1" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_ExchangeDomain" xlink:to="loc_exch_XNYS" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/exch/2021/exch-2021.xsd#exch_XNAS" xlink:label="loc_exch_XNAS" xlink:type="locator" />
    <link:definitionArc order="2" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_ExchangeDomain" xlink:to="loc_exch_XNAS" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/exch/2021/exch-2021.xsd#exch_XNGS" xlink:label="loc_exch_XNGS" xlink:type="locator" />
    <link:definitionArc order="3" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_ExchangeDomain" xlink:to="loc_exch_XNGS" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/exch/2021/exch-2021.xsd#exch_XTSX" xlink:label="loc_exch_XTSX" xlink:type="locator" />
    <link:definitionArc order="4" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_ExchangeDomain" xlink:to="loc_exch_XTSX" xlink:type="arc" />

	<!-- Class of Stock Axis -->

    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="loc_us-gaap_StatementClassOfStockAxis" xlink:type="locator" />
    <link:definitionArc order="3" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="loc_dei_DocumentInformationTable" xlink:to="loc_us-gaap_StatementClassOfStockAxis" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="loc_us-gaap_ClassOfStockDomain_default" xlink:type="locator" />
    <link:definitionArc order="1" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="loc_us-gaap_StatementClassOfStockAxis" xlink:to="loc_us-gaap_ClassOfStockDomain_default" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="loc_us-gaap_ClassOfStockDomain" xlink:type="locator" />
    <link:definitionArc order="1" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="loc_us-gaap_StatementClassOfStockAxis" xlink:to="loc_us-gaap_ClassOfStockDomain" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockMember" xlink:label="loc_us-gaap_CommonStockMember" xlink:type="locator" />
    <link:definitionArc order="1" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="loc_us-gaap_CommonStockMember" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonClassAMember" xlink:label="loc_us-gaap_CommonClassAMember" xlink:type="locator" />
    <link:definitionArc order="2" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="loc_us-gaap_CommonClassAMember" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonClassBMember" xlink:label="loc_us-gaap_CommonClassBMember" xlink:type="locator" />
    <link:definitionArc order="3" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="loc_us-gaap_CommonClassBMember" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockMember" xlink:label="loc_us-gaap_PreferredStockMember" xlink:type="locator" />
    <link:definitionArc order="4" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="loc_us-gaap_PreferredStockMember" xlink:type="arc" />


	<!-- Document info -->

    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentType" xlink:label="loc_dei_DocumentType" xlink:type="locator" />
    <link:definitionArc order="3" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_DocumentType" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentCreationDate" xlink:label="loc_dei_DocumentCreationDate" xlink:type="locator" />
    <link:definitionArc order="4" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_DocumentCreationDate" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentPeriodEndDate" xlink:label="loc_dei_DocumentPeriodEndDate" xlink:type="locator" />
    <link:definitionArc order="5" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_DocumentPeriodEndDate" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentFiscalYearFocus" xlink:label="loc_dei_DocumentFiscalYearFocus" xlink:type="locator" />
    <link:definitionArc order="6" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_DocumentFiscalYearFocus" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AmendmentFlag" xlink:label="loc_dei_AmendmentFlag" xlink:type="locator" />
    <link:definitionArc order="7" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_AmendmentFlag" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AmendmentDescription" xlink:label="loc_dei_AmendmentDescription" xlink:type="locator" />
    <link:definitionArc order="8" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_AmendmentDescription" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_NoTradingSymbolFlag" xlink:label="loc_dei_NoTradingSymbolFlag" xlink:type="locator" />
    <link:definitionArc order="9" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_NoTradingSymbolFlag" xlink:type="arc" />

	<!-- Entity info -->

	<link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityRegistrantName" xlink:label="loc_dei_EntityRegistrantName" xlink:type="locator" />
    <link:definitionArc order="10" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityRegistrantName" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine1" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:type="locator" />
    <link:definitionArc order="11" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityAddressAddressLine1" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine2" xlink:label="loc_dei_EntityAddressAddressLine2" xlink:type="locator" />
    <link:definitionArc order="12" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityAddressAddressLine2" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCityOrTown" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:type="locator" />
    <link:definitionArc order="13" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityAddressCityOrTown" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressStateOrProvince" xlink:label="loc_dei_EntityAddressStateOrProvince" xlink:type="locator" />
    <link:definitionArc order="14" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityAddressStateOrProvince" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCountry" xlink:label="loc_dei_EntityAddressCountry" xlink:type="locator" />
    <link:definitionArc order="15" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityAddressCountry" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressPostalZipCode" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:type="locator" />
    <link:definitionArc order="16" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityAddressPostalZipCode" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="loc_dei_EntityIncorporationStateCountryCode" xlink:type="locator" />
    <link:definitionArc order="17" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityIncorporationStateCountryCode" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CountryRegion" xlink:label="loc_dei_CountryRegion" xlink:type="locator" />
    <link:definitionArc order="18" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_CountryRegion" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CityAreaCode" xlink:label="loc_dei_CityAreaCode" xlink:type="locator" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_LocalPhoneNumber" xlink:label="loc_dei_LocalPhoneNumber" xlink:type="locator" />
    <link:definitionArc order="20" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_LocalPhoneNumber" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityFileNumber" xlink:label="loc_dei_EntityFileNumber" xlink:type="locator" />
    <link:definitionArc order="21" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityFileNumber" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityCentralIndexKey" xlink:label="loc_dei_EntityCentralIndexKey" xlink:type="locator" />
    <link:definitionArc order="22" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityCentralIndexKey" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityEmergingGrowthCompany" xlink:label="loc_dei_EntityEmergingGrowthCompany" xlink:type="locator" />
    <link:definitionArc order="23" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityEmergingGrowthCompany" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityTaxIdentificationNumber" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:type="locator" />
    <link:definitionArc order="24" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityTaxIdentificationNumber" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityInformationFormerLegalOrRegisteredName" xlink:label="loc_dei_EntityInformationFormerLegalOrRegisteredName" xlink:type="locator" />
    <link:definitionArc order="25" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityInformationFormerLegalOrRegisteredName" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityExTransitionPeriod" xlink:label="loc_dei_EntityExTransitionPeriod" xlink:type="locator" />
    <link:definitionArc order="26" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_EntityExTransitionPeriod" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_WrittenCommunications" xlink:label="loc_dei_WrittenCommunications" xlink:type="locator" />
    <link:definitionArc order="27" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_WrittenCommunications" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SolicitingMaterial" xlink:label="loc_dei_SolicitingMaterial" xlink:type="locator" />
    <link:definitionArc order="28" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_SolicitingMaterial" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementTenderOffer" xlink:label="loc_dei_PreCommencementTenderOffer" xlink:type="locator" />
    <link:definitionArc order="29" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_PreCommencementTenderOffer" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="loc_dei_PreCommencementIssuerTenderOffer" xlink:type="locator" />
    <link:definitionArc order="30" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_PreCommencementIssuerTenderOffer" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CurrentFiscalYearEndDate" xlink:label="loc_dei_CurrentFiscalYearEndDate" xlink:type="locator" />
    <link:definitionArc order="31" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_CurrentFiscalYearEndDate" xlink:type="arc" />

	<!-- Securities Info -->

    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12bTitle" xlink:label="loc_dei_Security12bTitle" xlink:type="locator" />
    <link:definitionArc order="32" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_Security12bTitle" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_TradingSymbol" xlink:label="loc_dei_TradingSymbol" xlink:type="locator" />
    <link:definitionArc order="33" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_TradingSymbol" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SecurityExchangeName" xlink:label="loc_dei_SecurityExchangeName" xlink:type="locator" />
    <link:definitionArc order="34" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_SecurityExchangeName" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12gTitle" xlink:label="loc_dei_Security12gTitle" xlink:type="locator" />
    <link:definitionArc order="35" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_Security12gTitle" xlink:type="arc" />

  </link:definitionLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>lsak-20221129_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!-- Generated by Newsfile Corp. (www.newsfilecorp.com) -->
<link:linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" xlink:type="simple" />
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
	<link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document and Entity Information [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CoverAbstract" xlink:label="loc_dei_CoverAbstract" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" />
	<link:label id="lab_dei_DocumentInformationTable_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
    <link:label id="lab_dei_DocumentInformationTable_label_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentInformationTable" xlink:label="loc_dei_DocumentInformationTable" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationTable" xlink:to="lab_dei_DocumentInformationTable" xlink:type="arc" />

	<!-- Address Axis -->

	<link:label id="lab_dei_EntityAddressesAddressTypeAxis_terseLabel_en-US" xlink:label="lab_dei_EntityAddressesAddressTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ntity Addresses, Address Type [Axis]</link:label>
    <link:label id="lab_dei_EntityAddressesAddressTypeAxis_label_en-US" xlink:label="lab_dei_EntityAddressesAddressTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ntity Addresses, Address Type [Axis]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressesAddressTypeAxis" xlink:label="loc_dei_EntityAddressesAddressTypeAxis" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressesAddressTypeAxis" xlink:to="lab_dei_EntityAddressesAddressTypeAxis" xlink:type="arc" />
	<link:label id="loc_dei_AddressTypeDomain_terseLabel_en-US" xlink:label="lab_dei_AddressTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Address Type [Domain]</link:label>
    <link:label id="loc_dei_AddressTypeDomain_label_en-US" xlink:label="lab_dei_AddressTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Address Type [Domain]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AddressTypeDomain" xlink:label="loc_dei_AddressTypeDomain" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AddressTypeDomain" xlink:to="lab_dei_AddressTypeDomain" xlink:type="arc" />
    <link:label id="lab_dei_FormerAddressMember_terseLabel_en-US" xlink:label="lab_dei_FormerAddressMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Former Address [Member]</link:label>
    <link:label id="lab_dei_FormerAddressMember_label_en-US" xlink:label="lab_dei_FormerAddressMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Former Address [Member]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_FormerAddressMember" xlink:label="loc_dei_FormerAddressMember" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_FormerAddressMember" xlink:to="lab_dei_FormerAddressMember" xlink:type="arc" />

	<!-- Exchange Axis -->

	<link:label id="lab_dei_EntityListingsExchangeAxis_terseLabel_en-US" xlink:label="lab_dei_EntityListingsExchangeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Listings, Exchange [Axis]</link:label>
    <link:label id="lab_dei_EntityListingsExchangeAxis_label_en-US" xlink:label="lab_dei_EntityListingsExchangeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Listings, Exchange [Axis]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityListingsExchangeAxis" xlink:label="loc_dei_EntityListingsExchangeAxis" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityListingsExchangeAxis" xlink:to="lab_dei_EntityListingsExchangeAxis" xlink:type="arc" />
	<link:label id="loc_dei_ExchangeDomain_terseLabel_en-US" xlink:label="lab_dei_ExchangeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exchange [Domain]</link:label>
    <link:label id="loc_dei_ExchangeDomain_label_en-US" xlink:label="lab_dei_ExchangeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exchange [Domain]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_ExchangeDomain" xlink:label="loc_dei_ExchangeDomain" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_ExchangeDomain" xlink:to="lab_dei_ExchangeDomain" xlink:type="arc" />
    <link:label id="lab_exch_XNYS_terseLabel_en-US" xlink:label="lab_exch_XNYS" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New York Stock Exchange [Member]</link:label>
    <link:label id="lab_exch_XNYS_label_en-US" xlink:label="lab_exch_XNYS" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">New York Stock Exchange [Member]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/exch/2021/exch-2021.xsd#exch_XNYS" xlink:label="loc_exch_XNYS" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_exch_XNYS" xlink:to="lab_exch_XNYS" xlink:type="arc" />
	<link:label id="lab_exch_XNAS_terseLabel_en-US" xlink:label="lab_exch_XNAS" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NASDAQ [Member]</link:label>
    <link:label id="lab_exch_XNAS_label_en-US" xlink:label="lab_exch_XNAS" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NASDAQ [Member]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/exch/2021/exch-2021.xsd#exch_XNAS" xlink:label="loc_exch_XNAS" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_exch_XNAS" xlink:to="lab_exch_XNAS" xlink:type="arc" />
	<link:label id="lab_exch_XNGS_terseLabel_en-US" xlink:label="lab_exch_XNGS" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">NASDAQ Global Select Market [Member]</link:label>
    <link:label id="lab_exch_XNGS_label_en-US" xlink:label="lab_exch_XNGS" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NASDAQ Global Select Market [Member]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/exch/2021/exch-2021.xsd#exch_XNGS" xlink:label="loc_exch_XNGS" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_exch_XNGS" xlink:to="lab_exch_XNGS" xlink:type="arc" />
	<link:label id="lab_exch_XTSX_terseLabel_en-US" xlink:label="lab_exch_XTSX" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Toronto Stock Exchange [Member]</link:label>
    <link:label id="lab_exch_XTSX_label_en-US" xlink:label="lab_exch_XTSX" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Toronto Stock Exchange [Member]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/exch/2021/exch-2021.xsd#exch_XTSX" xlink:label="loc_exch_XTSX" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_exch_XTSX" xlink:to="lab_exch_XTSX" xlink:type="arc" />

	<!-- Class of Stock Axis -->

	<link:label id="lab_us-gaap_StatementClassOfStockAxis_terseLabel_en-US" xlink:label="lab_us-gaap_StatementClassOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementClassOfStockAxis_label_en-US" xlink:label="lab_us-gaap_StatementClassOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Axis]</link:label>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="loc_us-gaap_StatementClassOfStockAxis" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementClassOfStockAxis" xlink:to="lab_us-gaap_StatementClassOfStockAxis" xlink:type="arc" />
	<link:label id="lab_us-gaap_ClassOfStockDomain_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:label id="lab_us-gaap_ClassOfStockDomain_label_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="loc_us-gaap_ClassOfStockDomain" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="lab_us-gaap_ClassOfStockDomain" xlink:type="arc" />
	<link:label id="lab_us-gaap_CommonStockMember_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock [Member]</link:label>
    <link:label id="lab_us-gaap_CommonStockMember_label_en-US" xlink:label="lab_us-gaap_CommonStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock [Member]</link:label>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockMember" xlink:label="loc_us-gaap_CommonStockMember" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockMember" xlink:to="lab_us-gaap_CommonStockMember" xlink:type="arc" />
	<link:label id="lab_us-gaap_CommonClassAMember_terseLabel_en-US" xlink:label="lab_us-gaap_CommonClassAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock Class A [Member]</link:label>
    <link:label id="lab_us-gaap_CommonClassAMember_label_en-US" xlink:label="lab_us-gaap_CommonClassAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock Class A [Member]</link:label>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonClassAMember" xlink:label="loc_us-gaap_CommonClassAMember" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonClassAMember" xlink:to="lab_us-gaap_CommonClassAMember" xlink:type="arc" />
	<link:label id="lab_us-gaap_CommonClassBMember_terseLabel_en-US" xlink:label="lab_us-gaap_CommonClassBMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock Class B [Member]</link:label>
    <link:label id="lab_us-gaap_CommonClassBMember_label_en-US" xlink:label="lab_us-gaap_CommonClassBMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock Class B [Member]</link:label>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonClassBMember" xlink:label="loc_us-gaap_CommonClassBMember" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonClassBMember" xlink:to="lab_us-gaap_CommonClassBMember" xlink:type="arc" />
	<link:label id="lab_us-gaap_PreferredStockMember_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred Stock [Member]</link:label>
    <link:label id="lab_us-gaap_PreferredStockMember_label_en-US" xlink:label="lab_us-gaap_PreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock [Member]</link:label>
    <link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockMember" xlink:label="loc_us-gaap_PreferredStockMember" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockMember" xlink:to="lab_us-gaap_PreferredStockMember" xlink:type="arc" />


	<!-- Everything else -->

	<link:label id="lab_dei_DocumentInformationLineItems_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:label id="lab_dei_DocumentInformationLineItems_label_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentInformationLineItems" xlink:label="loc_dei_DocumentInformationLineItems" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="lab_dei_DocumentInformationLineItems" xlink:type="arc" />
	<link:label id="lab_dei_EntityRegistrantName_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityRegistrantName" xlink:label="loc_dei_EntityRegistrantName" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName" xlink:type="arc" />
    <link:label id="lab_dei_EntityAddressAddressLine1_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine1_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine1" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1" xlink:type="arc" />
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_terseLabel_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State Country Name</link:label>
    <link:label id="lab_dei_EntityIncorporationStateCountryCode_label_en-US" xlink:label="lab_dei_EntityIncorporationStateCountryCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Incorporation, State Country Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="loc_dei_EntityIncorporationStateCountryCode" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityIncorporationStateCountryCode" xlink:to="lab_dei_EntityIncorporationStateCountryCode" xlink:type="arc" />
    <link:label id="lab_dei_DocumentType_terseLabel_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:label id="lab_dei_DocumentType_label_en-US" xlink:label="lab_dei_DocumentType" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentType" xlink:label="loc_dei_DocumentType" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType" xlink:type="arc" />
	<link:label id="lab_dei_Security12bTitle_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:label id="lab_dei_Security12bTitle_label_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12bTitle" xlink:label="loc_dei_Security12bTitle" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle" xlink:type="arc" />
	<link:label id="lab_dei_Security12gTitle_terseLabel_en-US" xlink:label="lab_dei_Security12gTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title of 12(g) Security</link:label>
    <link:label id="lab_dei_Security12gTitle_label_en-US" xlink:label="lab_dei_Security12gTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Title of 12(g) Security</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_Security12gTitle" xlink:label="loc_dei_Security12gTitle" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12gTitle" xlink:to="lab_dei_Security12gTitle" xlink:type="arc" />
	<link:label id="lab_dei_SecurityExchangeName_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:label id="lab_dei_SecurityExchangeName_label_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SecurityExchangeName" xlink:label="loc_dei_SecurityExchangeName" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName" xlink:type="arc" />
	<link:label id="lab_dei_TradingSymbol_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:label id="lab_dei_TradingSymbol_label_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_TradingSymbol" xlink:label="loc_dei_TradingSymbol" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol" xlink:type="arc" />
    <link:label id="lab_dei_DocumentCreationDate_terseLabel_en-US" xlink:label="lab_dei_DocumentCreationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Creation Date</link:label>
    <link:label id="lab_dei_DocumentCreationDate_label_en-US" xlink:label="lab_dei_DocumentCreationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Creation Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentCreationDate" xlink:label="loc_dei_DocumentCreationDate" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentCreationDate" xlink:to="lab_dei_DocumentCreationDate" xlink:type="arc" />
    <link:label id="lab_dei_LocalPhoneNumber_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_LocalPhoneNumber" xlink:label="loc_dei_LocalPhoneNumber" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LocalPhoneNumber" xlink:to="lab_dei_LocalPhoneNumber" xlink:type="arc" />
    <link:label id="lab_dei_EntityFileNumber_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityFileNumber" xlink:label="loc_dei_EntityFileNumber" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFileNumber" xlink:to="lab_dei_EntityFileNumber" xlink:type="arc" />
    <link:label id="lab_dei_EntityAddressPostalZipCode_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressPostalZipCode" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode" xlink:type="arc" />
    <link:label id="lab_dei_EntityCentralIndexKey_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityCentralIndexKey" xlink:label="loc_dei_EntityCentralIndexKey" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" />
    <link:label id="lab_dei_DocumentPeriodEndDate_terseLabel_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:label id="lab_dei_DocumentPeriodEndDate_label_en-US" xlink:label="lab_dei_DocumentPeriodEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentPeriodEndDate" xlink:label="loc_dei_DocumentPeriodEndDate" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentPeriodEndDate" xlink:to="lab_dei_DocumentPeriodEndDate" xlink:type="arc" />
    <link:label id="lab_dei_DocumentFiscalYearFocus_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalYearFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentFiscalYearFocus" xlink:label="loc_dei_DocumentFiscalYearFocus" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalYearFocus" xlink:to="lab_dei_DocumentFiscalYearFocus" xlink:type="arc" />
	<link:label id="lab_dei_AmendmentFlag_terseLabel_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:label id="lab_dei_AmendmentFlag_label_en-US" xlink:label="lab_dei_AmendmentFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AmendmentFlag" xlink:label="loc_dei_AmendmentFlag" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentFlag" xlink:to="lab_dei_AmendmentFlag" xlink:type="arc" />
	<link:label id="lab_dei_AmendmentDescription_terseLabel_en-US" xlink:label="lab_dei_AmendmentDescription" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amendment Description</link:label>
    <link:label id="lab_dei_AmendmentDescription_label_en-US" xlink:label="lab_dei_AmendmentDescription" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amendment Description</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AmendmentDescription" xlink:label="loc_dei_AmendmentDescription" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentDescription" xlink:to="lab_dei_AmendmentDescription" xlink:type="arc" />
    <link:label id="lab_dei_NoTradingSymbolFlag_terseLabel_en-US" xlink:label="lab_dei_NoTradingSymbolFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">No Trading Symbol Flag</link:label>
    <link:label id="lab_dei_NoTradingSymbolFlag_label_en-US" xlink:label="lab_dei_NoTradingSymbolFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">No Trading Symbol Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_NoTradingSymbolFlag" xlink:label="loc_dei_NoTradingSymbolFlag" xlink:type="locator" />
	<link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_NoTradingSymbolFlag" xlink:to="lab_dei_NoTradingSymbolFlag" xlink:type="arc" />
    <link:label id="lab_dei_EntityEmergingGrowthCompany_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_label_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityEmergingGrowthCompany" xlink:label="loc_dei_EntityEmergingGrowthCompany" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityEmergingGrowthCompany" xlink:to="lab_dei_EntityEmergingGrowthCompany" xlink:type="arc" />
    <link:label id="lab_dei_EntityTaxIdentificationNumber_terseLabel_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_label_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityTaxIdentificationNumber" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityTaxIdentificationNumber" xlink:to="lab_dei_EntityTaxIdentificationNumber" xlink:type="arc" />
    <link:label id="lab_dei_EntityInformationFormerLegalOrRegisteredName_terseLabel_en-US" xlink:label="lab_dei_EntityInformationFormerLegalOrRegisteredName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Information, Former Legal or Registered Name</link:label>
    <link:label id="lab_dei_EntityInformationFormerLegalOrRegisteredName_label_en-US" xlink:label="lab_dei_EntityInformationFormerLegalOrRegisteredName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Information, Former Legal or Registered Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityInformationFormerLegalOrRegisteredName" xlink:label="loc_dei_EntityInformationFormerLegalOrRegisteredName" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityInformationFormerLegalOrRegisteredName" xlink:to="lab_dei_EntityInformationFormerLegalOrRegisteredName" xlink:type="arc" />
    <link:label id="lab_dei_EntityExTransitionPeriod_terseLabel_en-US" xlink:label="lab_dei_EntityExTransitionPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Ex Transition Period</link:label>
    <link:label id="lab_dei_EntityExTransitionPeriod_label_en-US" xlink:label="lab_dei_EntityExTransitionPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Ex Transition Period</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityExTransitionPeriod" xlink:label="loc_dei_EntityExTransitionPeriod" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityExTransitionPeriod" xlink:to="lab_dei_EntityExTransitionPeriod" xlink:type="arc" />
    <link:label id="lab_dei_CityAreaCode_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CityAreaCode" xlink:label="loc_dei_CityAreaCode" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode" xlink:type="arc" />
    <link:label id="lab_dei_CountryRegion_terseLabel_en-US" xlink:label="lab_dei_CountryRegion" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Region code of country</link:label>
    <link:label id="lab_dei_CountryRegion_label_en-US" xlink:label="lab_dei_CountryRegion" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Region code of country</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CountryRegion" xlink:label="loc_dei_CountryRegion" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CountryRegion" xlink:to="lab_dei_CountryRegion" xlink:type="arc" />
	<link:label id="lab_dei_EntityAddressAddressLine2_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line Two</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine2_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line Two</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressAddressLine2" xlink:label="loc_dei_EntityAddressAddressLine2" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine2" xlink:to="lab_dei_EntityAddressAddressLine2" xlink:type="arc" />
    <link:label id="lab_dei_EntityAddressCityOrTown_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCityOrTown" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" />
    <link:label id="lab_dei_EntityAddressStateOrProvince_terseLabel_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:label id="lab_dei_EntityAddressStateOrProvince_label_en-US" xlink:label="lab_dei_EntityAddressStateOrProvince" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressStateOrProvince" xlink:label="loc_dei_EntityAddressStateOrProvince" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressStateOrProvince" xlink:to="lab_dei_EntityAddressStateOrProvince" xlink:type="arc" />
    <link:label id="lab_dei_EntityAddressCountry_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCountry" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Country</link:label>
    <link:label id="lab_dei_EntityAddressCountry_label_en-US" xlink:label="lab_dei_EntityAddressCountry" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Country</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressCountry" xlink:label="loc_dei_EntityAddressCountry" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCountry" xlink:to="lab_dei_EntityAddressCountry" xlink:type="arc" />
    <link:label id="lab_dei_WrittenCommunications_terseLabel_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Written Communications</link:label>
    <link:label id="lab_dei_WrittenCommunications_label_en-US" xlink:label="lab_dei_WrittenCommunications" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_WrittenCommunications" xlink:label="loc_dei_WrittenCommunications" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_WrittenCommunications" xlink:to="lab_dei_WrittenCommunications" xlink:type="arc" />
    <link:label id="lab_dei_SolicitingMaterial_terseLabel_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Soliciting Material</link:label>
    <link:label id="lab_dei_SolicitingMaterial_label_en-US" xlink:label="lab_dei_SolicitingMaterial" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_SolicitingMaterial" xlink:label="loc_dei_SolicitingMaterial" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SolicitingMaterial" xlink:to="lab_dei_SolicitingMaterial" xlink:type="arc" />
    <link:label id="lab_dei_PreCommencementTenderOffer_terseLabel_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementTenderOffer" xlink:label="loc_dei_PreCommencementTenderOffer" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementTenderOffer" xlink:to="lab_dei_PreCommencementTenderOffer" xlink:type="arc" />
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_terseLabel_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:label id="lab_dei_PreCommencementIssuerTenderOffer_label_en-US" xlink:label="lab_dei_PreCommencementIssuerTenderOffer" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="loc_dei_PreCommencementIssuerTenderOffer" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_PreCommencementIssuerTenderOffer" xlink:to="lab_dei_PreCommencementIssuerTenderOffer" xlink:type="arc" />
    <link:label id="lab_dei_CurrentFiscalYearEndDate_terseLabel_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_label_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CurrentFiscalYearEndDate" xlink:label="loc_dei_CurrentFiscalYearEndDate" xlink:type="locator" />
    <link:labelArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CurrentFiscalYearEndDate" xlink:to="lab_dei_CurrentFiscalYearEndDate" xlink:type="arc" />
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>lsak-20221129_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!-- Generated by Newsfile Corp. (www.newsfilecorp.com) -->
<link:linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <link:roleRef roleURI="http://www.net1.com/role/DocumentAndEntityInformationDocument" xlink:href="lsak-20221129.xsd#DocumentAndEntityInformationDocument" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" xlink:type="simple" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" xlink:type="simple" />
  <link:presentationLink xlink:role="http://www.net1.com/role/DocumentAndEntityInformationDocument" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_CoverAbstract" xlink:label="loc_dei_CoverAbstract" xlink:type="locator" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentInformationTable" xlink:label="loc_dei_DocumentInformationTable" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_CoverAbstract" xlink:to="loc_dei_DocumentInformationTable" xlink:type="arc" />

	<!-- Address Axis -->

	<link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityAddressesAddressTypeAxis" xlink:label="loc_dei_EntityAddressesAddressTypeAxis" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable" xlink:to="loc_dei_EntityAddressesAddressTypeAxis" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AddressTypeDomain" xlink:label="loc_dei_AddressTypeDomain" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityAddressesAddressTypeAxis" xlink:to="loc_dei_AddressTypeDomain" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_FormerAddressMember" xlink:label="loc_dei_FormerAddressMember" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_AddressTypeDomain" xlink:to="loc_dei_FormerAddressMember" xlink:type="arc" />

	<!-- Exchange Axis -->

	<link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityListingsExchangeAxis" xlink:label="loc_dei_EntityListingsExchangeAxis" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable" xlink:to="loc_dei_EntityListingsExchangeAxis" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_ExchangeDomain" xlink:label="loc_dei_ExchangeDomain" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_EntityListingsExchangeAxis" xlink:to="loc_dei_ExchangeDomain" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/exch/2021/exch-2021.xsd#exch_XNYS" xlink:label="loc_exch_XNYS" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_ExchangeDomain" xlink:to="loc_exch_XNYS" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/exch/2021/exch-2021.xsd#exch_XNAS" xlink:label="loc_exch_XNAS" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_ExchangeDomain" xlink:to="loc_exch_XNAS" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/exch/2021/exch-2021.xsd#exch_XNGS" xlink:label="loc_exch_XNGS" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_ExchangeDomain" xlink:to="loc_exch_XNGS" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/exch/2021/exch-2021.xsd#exch_XTSX" xlink:label="loc_exch_XTSX" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_ExchangeDomain" xlink:to="loc_exch_XTSX" xlink:type="arc" />

	<!-- Class of Stock Axis -->

	<link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="loc_us-gaap_StatementClassOfStockAxis" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable" xlink:to="loc_us-gaap_StatementClassOfStockAxis" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="loc_us-gaap_ClassOfStockDomain" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementClassOfStockAxis" xlink:to="loc_us-gaap_ClassOfStockDomain" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonStockMember" xlink:label="loc_us-gaap_CommonStockMember" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="loc_us-gaap_CommonStockMember" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonClassAMember" xlink:label="loc_us-gaap_CommonClassAMember" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="loc_us-gaap_CommonClassAMember" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_CommonClassBMember" xlink:label="loc_us-gaap_CommonClassBMember" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="loc_us-gaap_CommonClassBMember" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_PreferredStockMember" xlink:label="loc_us-gaap_PreferredStockMember" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="loc_us-gaap_PreferredStockMember" xlink:type="arc" />


    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentInformationLineItems" xlink:label="loc_dei_DocumentInformationLineItems" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationTable" xlink:to="loc_dei_DocumentInformationLineItems" xlink:type="arc" />

	<!-- Document info -->

    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentType" xlink:label="loc_dei_DocumentType" xlink:type="locator" />
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_DocumentType" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentCreationDate" xlink:label="loc_dei_DocumentCreationDate" xlink:type="locator" />
    <link:presentationArc order="2" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_DocumentCreationDate" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentPeriodEndDate" xlink:label="loc_dei_DocumentPeriodEndDate" xlink:type="locator" />
    <link:presentationArc order="3" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_DocumentPeriodEndDate" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_DocumentFiscalYearFocus" xlink:label="loc_dei_DocumentFiscalYearFocus" xlink:type="locator" />
    <link:presentationArc order="4" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_DocumentFiscalYearFocus" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AmendmentFlag" xlink:label="loc_dei_AmendmentFlag" xlink:type="locator" />
    <link:presentationArc order="5" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_AmendmentFlag" xlink:type="arc" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_AmendmentDescription" xlink:label="loc_dei_AmendmentDescription" xlink:type="locator" />
    <link:presentationArc order="6" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_AmendmentDescription" xlink:type="arc" />
	<link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_NoTradingSymbolFlag" xlink:label="loc_dei_NoTradingSymbolFlag" xlink:type="locator" />
    <link:presentationArc order="7" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="loc_dei_NoTradingSymbolFlag" xlink:type="arc" />

	<!-- Entity info -->

	<link:loc xlink:href="https://xbrl.sec.gov/dei/2021/dei-2021.xsd#dei_EntityRegistrantName" xlink:label="loc_dei_EntityRegistrantName" xlink:type="locator" />
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.22.2.2</span><table class="report" border="0" cellspacing="2" id="idm140617975126656">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information Document<br></strong></div></th>
<th class="th"><div>Nov. 29, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentInformationLineItems', window );"><strong>Document Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentCreationDate', window );">Document Creation Date</a></td>
<td class="text">Nov. 29,  2022<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Nov. 29,  2022<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Lesaka Technologies, Inc.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">President Place, 4th Floor, Cnr.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">Jan Smuts Avenue and Bolton Road<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Rosebank, Johannesburg<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCountry', window );">Entity Address, Country</a></td>
<td class="text">ZA<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State Country Name</a></td>
<td class="text">FL<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">11<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CountryRegion', window );">Region code of country</a></td>
<td class="text">27<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">343-2000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">000-31203<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001041514<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">98-0171860<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Shares<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">LSAK<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
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<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
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<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CountryRegion">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Region code of country</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CountryRegion</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The date the document was made available and submitted, in YYYY-MM-DD format. The date of submission, date of acceptance by the recipient, and the document effective date are all potentially different.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentCreationDate</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentInformationLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCountry">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>ISO 3166-1 alpha-2 country code.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCountry</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:countryCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
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   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r10": {
   "Name": "Securities Act",
   "Number": "7A",
   "Publisher": "SEC",
   "Section": "B",
   "Subsection": "2"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "g"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r5": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r6": {
   "Name": "Form 10-Q",
   "Number": "249",
   "Publisher": "SEC",
   "Section": "308",
   "Subsection": "a"
  },
  "r7": {
   "Name": "Form 8-K",
   "Number": "249",
   "Publisher": "SEC",
   "Section": "308"
  },
  "r8": {
   "Name": "Regulation 12B",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r9": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
